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

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was due to an error in the automatic payment system set up with XXXX. My payment was scheduled and authorized on time, but due to a glitch in the system, it was not processed until after the due date. This error was beyond my control and does not accurately reflect my payment history. 
Evidence provided : Bank statement showing the payment was initiated on time. 
Correspondence from XXXX acknowledging the issue with their payment processing system. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

This is my fourth attempts to tell you that I am a victim of identity theft and I complain some disputed items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud. Remove the following inaccurate items : 9 XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1500.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$1500.00} ; 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : also states that a consumer reporting agency can not furnish an account without written instruction
Product: Debt collection

Credit report showed this company had placed my 'account ' in collection status. I was never notified of any letters/documents that pertained to this 'owed amount '. Below is what appeared on my credit report. 


Collection Accounts Collection Accounts Accounts in collection status FOCUS MGMT  Condition : Open Date Opened XXXX Balance {$190.00} Type : unknown Pay Status : Collection/Chargeoff
Product: Credit card or prepaid card

As of XX/XX/2021, I had a total of {$3000.00} in my EDD card. On XX/XX/XXXX I had a total of $ XXXXI never made a withdrawal from the XXXX to the XXXX, when I called Bank of America to report this, I was told that an investigation was going to be opened and that within 10 business days I would receive a new card and that I was going to be refunded my loss. Those 10 days went by and I never heard from the bank. I called on the XXXX day and was told that my initial claim wasn't filled out right and that they were terribly sorry for the inconvenience, I had to make another claim after being in hold for 2 hours. Again I was told to wait another 10 days etc on the 3rd day I got my new EDD card, but still not refunded those initial {$3000.00}. It is now XX/XX/XXXX and still Bank of America is giving me the run-around. Can I get some help please, I'm a single father of one struggling to get back on my feet due to this pandemic.
Product: Payday loan, title loan, or personal loan

For the past 7 months First Associates Loan Servicing, LLC for XXXX XXXX Loans has been not fully applying the full payment made each months, every agent I have talked to in my previous communications is that I am being told that the issue is being fixed, it happened again this month and I am starting to wonder if anyone is truly looking into fixing it. I keep getting texts and emails about being past due when full payments are clearly being made and yet it shows that I am overdue by {$3.00} each time, also every time I call all I get is an apology and that someone will be fixing the issue. It has now been going on for months now. See attached documents showing bank payment for full payment and First Associates Loan servicing account information not apllying the full amount paid.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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 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. 


XXXX XXXX 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, credit repair services, or other personal consumer reports

Contacted Creditor/Agency and asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Under the Fair Credit Reporting Act, the disputed items may not appear on my credit report if it can not be supported by any evidence.
Product: Debt collection

They have called my work before ( a government agency ) and I told them they absolutely can not call here. On top of calling me twice in a row on XX/XX/01 while I am at work, they then called my work, again. That is 3 times in one day and calling my work is unacceptable. The calls came from XXXX from a XXXX XXXX with Creditors specialty northwest
Product: Credit card or prepaid card

These past few months have been very difficult for everyone. Despite the fact that people are doing all they can to pay their monthly bills, credit card companies are taking advantage of the situation to add late fees where it should Be forbidden. 
I paid mine late, a few days late, but i paid! Therefore when i requested there should be helping people. When didnt want to remove my late fee even though I paid {$100.00} in interest! This is racket! 

Credit card companies should be barred from assessing late fees in these times!
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a dispute to Equifax via certified mail through the United States Postal Service. I have received electronic confirmation of delivery, indicating that my dispute was received on XX/XX/year>. In my dispute, I requested an investigation into and removal of inaccurately reported information on my credit report due to identity theft. This includes XXXX associated accounts and several inquiries, as detailed in the attached file section of this communication. Additionally, there are several addresses not reflecting on my credit report, which I suspect to be a result of identity theft. I have followed proper procedures in addressing this matter, having sent the dispute letter directly to Equifax and to all associated creditors. Furthermore, I have filed a police report and submitted an identity theft report with the Federal Trade Commission. Despite these actions, I have not received any updates or corrections to my credit report. I am requesting the immediate removal of these accounts.
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security numberXXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the inaccurate utilization reporting for my XXXX XXXX XXXX  account on my credit reports. I have attached the relevant credit card statements for the months of XXXX and XXXX as supporting documentation to expedite the resolution process In reviewing my credit card statements, it has come to my attention that there are significant errors in the utilization reporting for the mentioned months. Below are the discrepancies I would like to address : 1. XX/XX/2023 : The reported utilization for this month is stated as {$140.00} ( 98percent usage ), when in fact, the utilization should have been {$0.00}. The payment statement closing date for XXXX was XX/XX/2023. 
These inaccuracies are not only misleading but also have a negative impact on my creditworthiness. As such, I kindly request that you rectify these errors immediately and update my credit reports accordingly. 
I want to draw your attention to the following sections of the Fair Credit Reporting Act ( FCRA ) that I believe have been violated in this instance : 1. Section 611 ( a ) ( 5 ) ( A ) - Timely Resolution : The credit reporting agencies are required to respond to a dispute within 30 days of receiving it. Failure to do so violates this section.

2. Section 607 ( b ) - Duty to Correct and Update : Credit reporting agencies have a duty to promptly correct any inaccuracies or incomplete information. Reporting incorrect utilization violates this section. 
I expect you to initiate a thorough investigation into the inaccuracies mentioned above and promptly contact XXXX XXXX XXXX  to verify the accuracy of the utilization reporting. Furthermore, I request that you provide me with a detailed response within the legally mandated timeframe of 30 days, outlining the results of your investigation and the actions taken to rectify the inaccurate reporting. 
Please consider the attached credit card statements for XXXX and XXXX as irrefutable evidence supporting my dispute. If there is any additional documentation or information required from my end to facilitate the investigation, please inform me promptly. 
Thank you for your attention to this matter. I trust that you will handle my dispute with the utmost professionalism and urgency, adhering to the legal obligations outlined in the Fair Credit Reporting Act. I insist on the errors being corrected promptly and my credit reports being updated accordingly. 
Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I just checked my credit and found some inaccuracies. According to the Fair Credit Reporting Act, Section 611 of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesn't get reported in my report. This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any waythe burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report The information in my credit report is wrong. I also have sent out multiple separate disputes and only received stall letters and they are delaying the process below I will attach all documents of disputes I am contesting any information on my credit report that I believe to be inaccurate. The data included in my credit report must be validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which does not meet federal or state reporting requirements. For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # # # # has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Checking or savings account

A check I mailed to a client was stolen and fraudulently cashed. The check was written on XX/XX/2023 and cashed on XX/XX/2023. Check number XXXX for XXXX Made out to XXXX XXXX I filed a claim with Chase bank and after working though the contradicting instructions from their representatives the claim was submitted in XXXX. 

Check number XXXX for XXXX} was written and cashed on the same dates to the same recipient. 

Several months ago I received the money back for check XXXXXXXX. 

Chase bank keeps telling me that XXXX XXXX XXXX investigation is pending but refuses to share with me the details that XXXXXXXX XXXX sent in their update because " customers cant speak to that department ''. 

I received a call from the check casher 's ( XXXX XXXX XXXX XXXX ) Collection department ( XXXX ) Who was calling to collect the funds on the check  ( meaning that they never received the funds from XXXX XXXX XXXX The collection department also informed me that the check was cashed by a " XXXX XXXX ''. 

It is pretty easy to see that XXXXXXXX XXXX still has the funds, chase bank has been completely incompetent from start to finish and XXXX XXXX XXXX XXXX cashed a check fraudulently signed for by XXXX XXXX that was addressed to XXXX XXXX. 

I haven't been able to get any update the last 6 months other than " XXXXXXXX XXXX XXXXs investigation is still pending and we can't share the details in the note they send us because that department doesn't talk to customers '' Even tho I was paid months ago for check XXXXXXXX
Product: Checking or savings account

On XX/XX/XXXX, 2 unauthorized XXXX payments for {$XXXX} were taken out of my husband and my Chase checking account. We called the fraud department that evening and after going through a verification process and explaining we did not make the XXXX payments and did not know the 2 people who were sent the XXXX payments, XXXX started a fraud investigation and transferred us to another department, where the associate froze our account. The next day at XXXX XXXX, I received an email verification for a {$XXXX} payment to another person we did not know. At XXXX XXXX  I received a notification that the payment was cancelled. At XXXX XXXX the next morning we called to find out why after our account was frozen someone was still able to submit a request for a XXXX payment. We were not given a satisfactory answer and went into the bank. XXXX at the bank made sure the account was frozen and opened a new account for us. On XX/XX/XXXX, we saw both {$XXXX} payments were put back into our account. Thinking the fraud investigation was complete and in our favor, we went into the bank to have the money transferred to our new account and close the old account. XXXX XXXX, a VP at the bank checked and let us know the fraud investigation was closed with no resolution and the money would be taken back. She called the Fraud department, spoke with a manager and had the fraud investigation reopened. She told us it would be 30 days before it would be completed. While she was on the phone with someone in the fraud department, she let us know it was fraud. The person on the other end of the line told her they could see where the account had been accessed from somewhere else. We went back into the bank on XX/XX/XXXX and spoke with XXXX. He transferred the {$XXXX} into our active account and told us he would close the account on XX/XX/XXXX. That did not happen. Today I received an update that the frozen account had been overdrawn. Both {$1000.00} payments were taken out. I went into the bank and met with XXXX again. She called the fraud department and they said the investigation was closed and they found against us so they took the money back. XXXX had them open a new fraud investigation and told me to come to you for assistance since the bank is finding against us. At no time after the first or second fraud charge was submitted did the fraud department attempt to contact us. As explained to everyone, my husband and I have spoken with in the fraud department and with 3 different managers at the bank branch. We did not make these payments and do not know the people who did. The bank seeing the 3rd attempt the next day was fraud and reversing that charge is further indication that they need to return our money to us.
Product: Mortgage

I was in forebearance from XX/XX/XXXX till XX/XX/XXXX. Nations direct sold my mortgage to XXXX and when transferring the mortgage listed my account as past due. It was clearly in forebearance and I have completed the documents for a hud partial repayment. It should not be in default. Nations direct is reporting that it is to the credit beaureas. Please fix this error. I have an approved hud partial payment documented.
Product: Debt collection

Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the collection account listed on the following account. This delinquent account record is inaccurate and is not my account, I am a victim of identity theft. I request that the following account be promptly removed. My identity theft of my personal information is still ongoing and any credit that was issued out with out my consent must be removed. 

XXXX XXXX XXXX : {$910.00}
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX  Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number XXXX XXXX  Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name XXXX XXXX XXXX - Account Number : XXXX Account Name XXXX XXXX XXXX  - Account Number : XXXX Unauthorized inquiries : 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 XXXX XXXXXX/XX/XXXX
Product: Debt collection

I have reached out to this company numerous times about my identity theft as a result an account was open with this company that I did not authorize or have any knowledge of until recently but I disputed this with the company directly and they haven't taken it completely off of my credit profile yet it needs to be removed immediately