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

I am writing to dispute the late payment entry on my credit report, as it is in violation of the Consumer Credit Protection Act [ 15 U.S.C. 1666 ] - Timing of Payments. After carefully reviewing my credit report, I noticed that XXXX reported a late payment for the following months : XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023 However, I believe that this late payment entry is inaccurate and should be removed from my credit report. 
Account Information Creditor Name : XXXX Account Number : XXXX Date of Late Payments : XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023 I kindly request that you investigate this matter promptly and provide evidence to support the accuracy of the late payment entry. As per the XXXX XXXX XXXX XXXX, creditors are required to comply with specific rules regarding the reporting of late payments : XXXX. Accurate Reporting : Creditors are required to report accurate and timely information to credit bureaus. Any discrepancies or inaccuracies in reporting may lead to a violation of consumer rights.

2. Timing of Payments : According to the Consumer Credit Protection Act [ 15 U.S.C. 1666 ], if a consumer sends a payment within 60 days after the due date, the creditor can not report the payment as late. I assert that I made the payment in question within this grace period, and the late payment entry is, therefore, in violation of this law. 
XXXX. Notice of Error : Under the Fair Credit Reporting Act [ 15 U.S.C. 1681i ], I have the right to dispute any inaccurate information on my credit report. I am formally notifying you of this error and requesting its prompt correction. 
I kindly request that you review the information provided by XXXX and verify the accuracy of the late payment entry on my credit report. If you can not substantiate this late payment with valid evidence, I urge you to remove it from my credit report immediately. 
As per the Fair Credit Reporting Act, I expect your timely response to this dispute within 30 days from the date of receipt of this letter. Failure to comply with this request may result in my filing a complaint with the Consumer Financial Protection Bureau and pursuing legal remedies to protect my rights under the law. Please provide a written response to this dispute and update my credit report accordingly. 
Thank you for your prompt attention to this dispute. I trust that you will handle this matter diligently and in compliance with the laws and regulations governing consumer credit protection. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 11 inquiries showing on my Equifax and 20 on XXXX  that I did not authorize. I am a victim of data breach, identity theft and have requested these inquiries be removed from Equifax/XXXX  and have had no success.Both Reports show 8 XXXX  accounts student loans that are discharged and very old accounts showing derogatory and 1 ACS XXXX   XXXX XXXX, the credit company just keeps updating the date so it remains on my credit repirt. Account for XXXX XXXX account Balance {$4500.00} showing negative and as Authorized user when I never signed any documents or aware of this account. XXXX XXXX as well is Fraud. I have requested over the phone removal of these items and they are very aware of my Police report as well as the discharge of my student loans. The loans are incorrect information showing. Please have them removed from both reports immediately as this is not the first time I have to go through CFPB.
Product: Credit card

Received letter in mail saying my application to Best Buy credit card was declined. To make inquiry into why it was declined to call a number XXXX. I never applied for a best buy credit card in the first place. I called the number on my phone and it asked for my social security number to verify the application. I gave it and now I think the phone number is fraudulent, the application was fake and the letter I received was fraudulent
Product: Credit card or prepaid card

I have tried to talk to this company called current banking several times they do not have a phone number you can contact them on first of all. You have to send a message and then they send it I don't know if it's a robot or what the deal is but you can not get anybody live on the phone. I noticed these things were all my bill on my statement and the first one was on XX/XX/XXXX for XXXX for {$460.00} at XXXX the next charge was for a XXXX XXXX  on XX/XX/XXXX for {$35.00} at XXXX. I filed the dispute on XX/XX/XXXX and provided a screenshots of where they took the money out and told them I had no knowledge of that who did it I had no other information they were asking me about the merchant I don't know who the merchant is I tried to contact them but I don't know who to contact I couldn't find anybody under that listing that name that they took the money out of. I had spoken back and forth with I guess they're dispute team and they said they were not going to reimburse me that it was not it was my fault and then I disputed it two times they said they still were going to do anything after I provide a police report detective 's name everything that I needed to supply them with they told me I need to give them screenshots of where they said they took the money out some ticket number that was on there I provided into that and the police report number in a detailed statement they said they needed more evidence they needed to know who it was he was incarcerated all this crazy stuff that I wouldn't have no knowledge of and then they're asking me with the XXXX XXXX and they refuse to give me my money back and I can not get anyone on the phone and I've already filed a complaint with XXXX XXXX XXXX  and against this company and and my XXXX XXXX check goes through this company and I can't get anyone on the phone they don't have a number you can reach them on
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( address, accounts or Bankruptcy : XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XX/XX/XXXXReference # : XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$43000.00} ; XXXX XXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$43000.00} ; XXXX  XXXX Balance Owed : {$2200.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XX/XX/XXXXReference # : XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to formally submit a complaint regarding inaccurate information present on my credit report issued by all three major credit bureaus ( XXXX, XXXX, and XXXX ). 

Upon reviewing my credit report, I have identified several discrepancies related to accounts from Upstart Network , Inc . Specifically, the following negative information has been inaccurately reported : XXXX. Account Number : XXXX - Reported as charged off with a highest balance of {$14000.00}. 
- Status is misleading, as I have made timely payments historically, and the account should be reported as current. 

XXXX. Account Number : XXXX - Reported with an unpaid balance as a loss claimed by creditor. 
- This account is inaccurately depicted as overdue when all payments are up-to-date. 

XXXX. Account Number : XXXX - Similarly reported with misleading status of collection/charge-off. 
- I dispute this claim as I have records proving timely payments for this account. 

Despite my efforts to resolve these issues, including disputing them multiple times with the credit bureaus, I have not received a satisfactory resolution. Recently, I was served by a deputy on behalf of Upstart Network , Inc. 's attorneys, which has caused me significant distress. This legal action appears to be an attempt to pressure me regarding debts that I have been actively disputing and which I believe to be inaccurately reported. 

Furthermore, I am formally requesting debt validation for the accounts in question. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt and to receive documentation substantiating the claims made against me. I expect a thorough investigation and validation of these debts, as I have reason to believe they may not be accurate. 

The inaccuracies on my credit report violate provisions of the Fair Credit Reporting Act ( FCRA ), which requires that consumer reporting agencies ensure that information is accurate and up-to-date. Under Section 609 of the FCRA, I am entitled to request the removal of this inaccurate information, and I am requesting immediate action to rectify these errors. 

I urge the credit bureaus to thoroughly investigate these discrepancies and validate the debts in question. Additionally, I request that all negative information related to these accounts be deleted or corrected accordingly. 

Please confirm receipt of this complaint and inform me of the steps being taken to address these inaccuracies and fulfill my request for debt validation. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to regarding the persistent presence of fraudulent items on my credit file despite my numerous attempts to have them removed. Despite several efforts and the submission of substantial documentation to support my claims, these fraudulent items continue to negatively impact my financial standing and credibility. The ongoing presence of these inaccuracies is not only frustrating but also detrimental to my financial well-being. It is imperative that immediate action is taken to rectify this situation. I expect a comprehensive investigation into why these fraudulent items persist on my credit report despite multiple requests for their removal. Furthermore, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. Also, I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the presence of these fraudulent items on my credit report. They have significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities necessary for my financial stability. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX : {$9000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>.
Product: Mortgage

Mortgage was opened in XX/XX/XXXX through a local bank and immediately sold to XXXX ( Lakeview ) Loan servicing out of Virginia. I paid my mortgage in split payments every month with no problem until XX/XX/XXXX. My first payment of the split payments somehow was applied entirely to principal which began a downward spiral. In XX/XX/XXXX I was charged a late fee which was reflected on the bill mailed on XX/XX/XXXX. I called and they said they fixed it and waived the late fee. They told me I cant split payments. Since I had already made one-half payment for my XX/XX/XXXX ( XX/XX/XXXX ) bill. I made the other half of the payment. On XX/XX/XXXX, I called to straighten out XX/XX/XXXX and XX/XX/XXXX and they told me it would be 7-10 business days to get it straightened out and would not be reflected in my credit score. I called back XX/XX/XXXX and to follow up and they said they needed more time. I then called again XX/XX/XXXX and asked to speak to a manager. After waiting 40 minutes on hold the manager told me it would be straightened out in 48 hours since it was supposed to be resolved by XX/XX/XXXX. I am now calling back to follow up again and have been on hold for 1 hour and have not yet spoken to anybody. I reluctantly paid {$1100.00} more on my XX/XX/XXXX payment so the loan wouldnt be considered delinquent anymore to avoid this happening again next month.

In the meantime I am trying to refinance my mortgage thru a local bank that has assured me that they will not sell it. Although I was approved, XXXX has reported a missed mortgage payment to the credit bureau and it has affected our ( my husband and myself ) credit score by decreasing it 110 points. My local bank can not close on my approved loan until XXXX fixes my payment history and our credit scores. Despite my diligence in following up, they are not answering my calls. This company should not be in existence considering they cant seem to get anything right. This is my 3rd house and I have never had this much trouble paying my mortgage nor have I ever had a late payment.
Product: Mortgage

They are not paying my bills from my escrow account. I can not not reach anyone on the phone.
Product: Credit reporting or other personal consumer reports

On XX/XX/ I reached out via written correspondence to TransUnion and XXXX XXXXXXXX XXXX XXXX inquiring proper and accurate validation of a collection reporting on my consumer report. TransUnion and XXXX XXXX XXXX XXXX has fail to provide accurate validation of collection debt and refuse to comply with all consumer laws.
Product: Credit reporting or other personal consumer reports

I have disputed the Bankruptcies information that is listed on my Experian credit file as inaccurate information reporting. Each time they have came back with the information as verified with no change. I have asked them how they are completing the investigation. They refuse to answer. They hang the phone up each and every time when after youre disconnected from an agent. They are not really reinvestigating your dispute when they say they are. 

XXXX is not reporting this information that I am disputing to Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year I checked my credit report after applying for a new vehicle. Upon reviewing a copy of it I noticed lots of accounts reporting that were never mine or established without my knowledge or consent. I immediately reached out to my local police department who advised me to complete an identity theft report. I since completed the report and sent a copy along with a copy of my drivers license, utility bill, and social security card. I was sure to include to the specific accounts with my identity theft report which were 1.XXXX XXXX # XXXX, 2. XXXX # XXXX, 3XXXX XXXX # XXXX, 4. XXXX  XXXX XXXX  # XXXX, 5. XXXX XXXX # XXXX, 6. XXXX # XXXX. It has been well beyond 30 days and Experian has not provided any accurate or any verification at all. Under the Fair Credit Reporting Act these accounts must be removed from credit file under sections 609 and 611. In  addition Experian failed to block these accounts within 4 days of being notified that they were from the direct result of identity theft fraud. Experian has also failed to update my personal information as requested which included fraudulent addresses XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. This is totally unacceptable and Experian should be held accountable for violating the Fair Credit Reporting Act.
Product: Credit card

Barclaycard - I spent {$12000.00} on my credit card for which I was to receive {$250.00} worth of travel rewards. Barclaycard for some reason has refused to honor this.
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 : XXXX : Account Number : XXXX : Balance : {$3300.00} Account Name : XXXX : Account Number : XXXX : Balance : {$1600.00} Account Name : XXXX XXXX & XXXX : Account Number : XXXX : Balance : {$9100.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$0.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 FO XX/XX/XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

All XXXX Bureaus collectively have refused to issue proof or methods of verification for items I have disputed with them. They continue to send what is seemingly an automated response without addressing my questions or concerns. 

Instead of providing the requested info they keep stating that it has been verified or previously handled. No additional information for methods of verification or proof of an investigation at all. 

Per the FCRA SECTION 611 ( SCREENSHOT PROVIDED ) I am allowed to submit a request a description of the reinvestigation procedure. It should be granted the first time without me having to file complaints.
Product: Credit card or prepaid card

Bluebird by American Express closed the account because I kept filing a dispute against a merchant that took {$5500.00} from me. I never received the services from the merchant. I kept filing a dispute and reopening the investigation against the merchant that ripped me off of {$5500.00}. I even submitted a statement to Bluebird from an investigator from the attorney generals office stating that the merchant was ripping he off and the merchant was under investigation after getting all of that information Bluebird by American still didnt help get my money back from the shady merchant. Bluebird by American Express finally got tired of me trying to continue to fight to get my {$5500.00} back and closed my account. I still had over {$300.00} dollars in the account and some credits were also posting to the account as well. They closed the account in XX/XX/XXXX. They were suppose to mail my remaining funds and its XX/XX/XXXX and I still havent received my check from my funds that were in my account. My advice be careful with whom you purchase from using the Bluebird. They might let you get ripped off or may not give you your money back
Product: Debt collection

On XX/XX/XXXX, a representative of XXXX and XXXX had contacted me to resolve a debt I did not recognize. I had asked them to send over any documentation that they have on this matter, including any agreements with a wet signature to prove that this was an actual account, since I did not recognize, or have any knowledge. They said they would send it via email which I was not comfortable with. I asked for it to be sent via certified mail so that I can ensure everything was accurate. They had failed to do so and on XX/XX/XXXX, I had received another email with PDF attachments of invoices and work to be a contract agreement, but with no signature pages. Nothing that could help me verify that this is a legitimate account or to verify that my signature was there. Not to mention they did not send it via certified mail. I told them that since they did not provide the documentation I requested, that this debt was considered no void per the fair credit reporting act because they could not provide the proper documentation to verify that this is a legitimate debt and did not do so within a XXXX  day timeframe. Then they proceeded to threaten to sue me because I wouldnt pay them, where I wasnt provided with the proper documentation to verify the legitimacy of this debt.
Product: Credit card

Kindly refer to the attached documents. I request the bureau to initiate an investigation into these accounts, as I am consistently on time but they are inaccurately reported as late.
Product: Checking or savings account

I didnt get my closing account balance from Wells Fargo , they respond they send the cashier check but I never receive that check, I was check the document from Wells Fargo they send check to a wrong address, that address is different than my original address also is different with when I open the account,