23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following accounts that have been fraudulently opened in my name due to identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, I request the removal of closed accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as these were also opened fraudulently. 

I reported my identity theft in 2018, and this is on record with both XXXX and TransUnion. Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I am entitled to have these fraudulent accounts removed from my credit report. 

I expect a response within 30 days, confirming the removal of these accounts from my credit report. If you require any additional information or documentation, please do not hesitate to contact me at XXXX Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

We are temporarily unable to complete this request. 
Please try again later. 

I am unable to retreive my credit report from Equifax. Was able to retrieve it before in the past. The Mortgage Loan Officer can not even retreive the credit score or report from Equifax. What is going on and why am I having this issue?
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the following item on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. 


XXXX XXXX XXXX  Account number- XXXX Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, This morning I received a notification on the XXXX XXXX app that XXXX had reported a Hard Credit inquiry by Capital One I havent done business with capital one, and dont have any accounts, loans or credit cards through capital one currently, not have I submitted for any new accounts loans or credit cards through in the past few years Ive called XXXX and theyve put in a fraud alert for me and are notifying the other credit bureaus. I also placed a freeze on XXXX and am working to place a freeze on the others I need assistance in this matter as I dont know what this inquiry is about and am concerned its fraudulent.
Product: Credit reporting or other personal consumer reports

See the attached Cease & Desist that has been sent to XXXX XXXX XXXX., which refuses to abide by the laws they are governed by.
Product: Debt collection

received a letter in my job address i did not approve of anyone contacting me at work againt the law and 2nd i do not owe XXXX spoke to XXXX everytime i orders i was charged
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time. 


Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time. 



any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And charge off accounts that is tag or labeled FDCPA Section 807 Violation Misleading False Reporting should be deleted and collection account Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately. 


a copy of which is enclosed which states that this information must be removed within four business days of receipt, Including inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is for all three big business bureaus XXXX, XXXX, TransUnion. Has contacted me now on Plenty of occasions regarding information with my name, address, telephone number, a play, personal information, and accounts have been compromised. They are they are still using my maiden name XXXX access information open accounts in my name. They have student loans have been on deferred and that are being paid off all my status which is affecting my credit and not able to get anything in my name play XXXX XXXX are like heads regarding house in the car because of the high loan raid that should be on there because again I'm in school at XXXX and XXXX and all of them have been paid off on time. My lawyer XXXX XXXX  has spoken to them regarding and they said they're going to remove it and now I am contacting them each again to get it moved. They are not security my account at this supposed to and still information still going on the XXXX. Being alerted about. All they're doing is XXXX managing and catching defects here and there Play Still allowing accounts to be opened in my name in the choir he's to be over thirty a day. I haven't seen on the phone for two hours each day trying to get in touch with them in order for them to take off the fries in order for them to monitor of my account and for them to honor their I do need to have fall asleep back it and if so I can fill out and receive the conversation that I deserve I have not received any information I have not been able to get through anyone and my credit is going down. Which allows me not to be able to get any loans during this time this afternoon at the time where they're telling us if that's what's going to help us and I'm going to be able to do that due to to get streak app credit companies they have information on their claims that has not been mine that I disputed that I have the proof that wasn't mines and it's still on there affecting my score. They stated that they just they send me a letter regarding XXXX had and it did this in town the XXXX I have not received it yet I have a membership at XXXX  and XXXX  that I pay out of my own money each month for a boost and formica promote it properly and I'm still didn't tell him where I didn't say who is IRS IRS and Social Security
Product: Debt collection

While in college, I signed a rental agreement for a property from XXXX XXXX XXXX, XXXX from Fall XXXX until Summer XXXX, then resigned a contract from Fall of XXXX until Summer XXXX. Although some of the people I rented with stayed in the house, I no longer was on the contract for the school year of XXXX. On XX/XX/XXXX, I received a notice from Hunter Warfield claiming I owed {$5800.00}, from XXXX XXXX XXXX, XXXX. The notice said the debt originated on XX/XX/XXXX, although I had not been notified prior of this amount due. The notice said I could dispute the claim by calling or writing by XX/XX/XXXX. After many failed attempts to call the collection agency, I wrote a letter on XX/XX/XXXX, asking the debt collections agency to work in accordance with the Fair Credit Act, The Fair Credit Billing Act, and The Fair Debt Collection Practice Act to provide all documented proof from the XXXX XXXX XXXX, XXXX which includes the signed agreement, along with all charges made and all payments, that says I owe the amount to the XXXX XXXX XXXX, XXXX, all accounting records of this account, a copy of the signed contract and signed truth lending contract I signed with the XXXX XXXX XXXX, XXXX, and copies of all orders made with this company. If these could not be verified, I asked that all debts be removed from my account. I also included an address and email the company could reach me at moving forward. After months of no contact, I received notice from XXXX XXXX that this debt was now on my credit report as of XX/XX/XXXX. I once again disputed this claim through XXXX XXXX with no prevail. On XX/XX/XXXX, I reached out to XXXX XXXX XXXX, XXXX, to get more clarification of this debt ; they refused to have any contact and referred me to the collection agency of Hunter Warfield. When I reached out to Hunter Warfield on that same day, I reiterated my request for debt validation as I had moved out in XXXX and did not have a running contract with XXXX XXXX XXXX, XXXX when the debt originated in XXXX. As of today, I still have not received a verification of this debt and am still receiving reports of it on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Request for Removal of Negative Remarks from Credit Report Dear CFPB Representative, I am writing to formally request the removal of negative remarks from my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ). As a consumer, I am entitled to dispute any inaccuracies and seek corrections to my credit report under the provisions of the FCRA, particularly Sections 602, 607, and 609.

According to FCRA Section 602, the purpose of the Act is to ensure fair and accurate reporting of consumer information, and to protect consumers from the willful or negligent inclusion of inaccurate information in their credit reports. I believe that the negative remarks currently listed on my report do not accurately reflect my creditworthiness.

FCRA Section 607 requires that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. I have reason to believe that the negative information reported is inaccurate due to accounts being over seven plus years. And given to collection agencies without proper documentation with my physical signature agreeing to my information or accounts being sold to third party collectors.

Furthermore, under FCRA Section 609, I am entitled to request a copy of my credit report and the sources of the information contained within it. I would appreciate it if you could provide me with details regarding the entries in question, including the original creditor and any supporting documentation. 

In light of the above, I kindly request that you investigate this matter and consider the removal of the negative remarks from my credit report. I have attached any relevant documentation to support my request. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX [ Attachments : Relevant documents, if any ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Victim of Identity Theft and explained that to XXXX, Equifax and XXXX, also provided them with evidence to prove that my identity has been compromised however they continue to report Fraudulent accounts on my credit file. which is against the FCRA 15 USC 1681. According to the GOVERNMENT the accounts that have been reported Fraudulent need to be removed and block immediately to correct my credit profile
Product: Credit card or prepaid card

In XXXX, XXXX, I applied for an American Express XXXX XXXX ( Everyday ) credit card to take advantage of their " Welcome Offer to Earn {$200.00} Back '' after XXXX spends {$2000.00}. in purchases on the new XXXX within the first 6 months of XXXX XXXX. 

I have more than fulfilled the spending requirement and I called an AE agent on XX/XX/XXXX, to ask about the {$200.00} credit. The agent gave me a confirmation number for my inquiry and also stated that I would hear back from them with an answer to my question. I never heard back. 

On XX/XX/XXXX, I called American Express again as I hadn't heard anything back from them. This agent stated that my " welcome offer/bonus '' was " declined '', as my " account did not qualify for it ''. He also stated something about the offer being declined " due to a history of balance transfers ''. ( My credit score is XXXX and I haven't had a balance transfer in many years. ) After I asked to speak to a XXXX and, after much delay, I was connected to a XXXX XXXX. She stated that the welcome offer was declined due to " a welcome offer history in the past being taken advantage of ''. ( I have another American Express XXXX XXXX XXXX card which was opened in XXXX. ) I asked for more specific information regarding her claim of a past welcome offer being given me, but was not given any. 

I strongly feel that American Express has engaged in an unethical and misleading manner by misrepresenting their {$200.00} Welcome Offer for opening a XXXX XXXX American Express ( Everyday ) Card to me and others. Their practices are confusing and totally lacking in transparency. The reasons given me for their not honoring the {$200.00} Welcome Offer are pretextual. It is a " bait and switch '' tactic which is not only unfair, but unscrupulous. 

Please investigate these practices. Thank you.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The List of Accounts Below has violated my federally protected consumer rights to privacy and Confidentiality under 15 USC 1681. 
Account Name : CREDITACPT Account # : XXXX Amount : {$19000.00} XXXX looked at my XXXX credit Report on XX/XX/year> and Noticed some things are incomplete and not accurate. And according to the fair credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( A ) ( B ). 
And According to 15 USC 1681 I, II, ( A ) ( 5 ) they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency Shall. 
( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) Promptly notify the furnisher of that item of information that the Information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681 ( 5 ) - ( 2 ) they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 




Delete account CREDITACPT from my credit report. Delete account CREDITACPT from my credit report, because of multiple violations of the fair credit reporting act.
Product: Credit card or prepaid card

I purchased a XXXX range  in early XX/XX/XXXX using a just openned Lowes/Synchrony credit card. A couple of months went by and as I checked Lowes to regarding the purchase, I discovered that the range I had ordered was not available, thus I cancelled the purchase order. 

In the meantime, I had paid, in-full, the amount charged ( {$1100.00} ) to my Lowes/Synchrony credit card ; I sent a check in that amount dated XX/XX/XXXX. Following my cancelation of the order, I made numerous calls to the many numbers provided by XXXX and Synchrony regarding the refund of my {$1100.00}. 

In XXXX Loewes/Synchrony issued a check to me in the amount of {$950.00} for the appliance. However, when I made this purchase, I included and paid for a Lowe 's 5-year extended warranty. This amount was not broken out in the billing statement I received from Lowes/Synchrony, but appears in the receipt at a price of {$150.00}. I have not received the return of this un-used ( no appliance, no need to warrant ) 5-year extended warrant amount 0f {$150.00}. 

I would appreciate any assistance your can provide in the recovery of the {$150.00}. 

P.S. after having some CFPB problems yesterday ( XX/XX/XXXX ), I called again today to try again for some help. I got your wonderful customer service rep called XXXX ( after XXXXXXXX XXXX former prime minister XXXX XXXX ). The review logged off before I could give him a 5-star review. He was so kind, patient and helpful ; bravo XXXX!
Product: Debt collection

On XX/XX/2021, a request for validation was sent to the collection agency 's office via certified U.S. mail. On XX/XX/2021, USPS receipts indicate the letter was delivered to the collection agency. Following no response from the agency for over 30 days, a second letter of non-response was sent on XX/XX/2021. USPS receipts indicate this letter ( which included copies of the original ) was delivered on XX/XX/2021. It has been more than 30 days since the last dispute was sent and I still have not received any validation this debt is mine, despite the accounts still being reported on my credit. Furthermore, the accounts appear on my XXXX report without all critical information required to report an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the past six months starting XXXX to now, I have reached out to these companies regarding the inaccurate information being reported on my credit profile. At this point I feel like I am receiving auto generated responses and being ignored and taken advantage of. On my credit report there is an item listed as " XXXX XXXX '' with the account number " XXXX '' on this account, the date of last activity does not match up between all three bureaus therefore I need this account to be removed immediately according to my consumer rights that state all inaccurate and incomplete items must be deleted within 60 days. On my report, all 3 bureaus are not reporting that same, accurate DATE OF LAST ACTIVITY. I know that the date of last activity date is very important and can cause this alleged debt to be re-aged and inaccurately reported again. I have reached out to XXXX XXXX and all three credit bureaus several times and this account keeps being verified as accurate. How can it be verified as accurate when this is the same account reporting but the dates are not the same? How is this possible? I continuously let the bureaus know that this information is incorrect and I am constantly being ignored. This is not fair and its causing me stress, loss of money because of interest fees, defamation of character and holding me back from moving ahead during this pandemic. I am very upset because situations like this cause me to lose thousands of dollars and continue to hurt my report and chances and moving forward. Please delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Equifax, XXXX XXXX, and XXXX has reported a XXXX XXXX with a balance that does not belong to me. This is a case of identity theft and a data breach. XXXX XXXX has also reported a XXXX XXXX credit card with a balance that does not belong to me. This is also a case of identity theft and a data breach, and I have reported it. 

I have already written, called, and emailed XXXX XXXX about this issue, but they have failed to follow the proper guidelines and protocol for identity theft and dispute processing. I request that these accounts be removed immediately from my name, records, and all credit files.