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

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments Dear CFPB, I am writing to formally dispute inaccurate late payment entries on my Equifax credit file for my account with XXXX XXXX XXXX ( # XXXX ). These reported late payments do not accurately reflect my payment history and, I believe, constitute a violation of my rights under federal law.

Nature of the Complaint : Inaccurate Reporting of Late Payments : The late payments indicated in my Equifax credit report are incorrect. As I have been consistently enrolled in autopay for this account, my payment history should reflect 100 % on-time payments.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccuracies on my report violate the FCRA, specifically 15 USC 1666 ( b ), which mandates accurate representation of consumer creditworthiness. Incorrectly listed late payments can have a detrimental effect on my credit score and misrepresent my reliability as a borrower.

Possible Violation of the Fair Debt Collection Practices Act ( FDCPA ) : False reporting of payment information may also violate the FDCPA, which protects consumers from deceptive and misleading representations related to their accounts.

Noncompliance with the Truth in Lending Act ( TILA ) : The inaccurate reporting of payment information further violates the TILA by failing to ensure the accuracy of reported credit information.

Additionally, the Fair Credit Reporting Act, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, requires credit reporting agencies and information furnishers to ensure maximum possible accuracy in consumer reports.

Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), both willful and negligent noncompliance with these accuracy standards may result in civil liability, including compensation for actual damages, attorneys fees, and potential punitive damages.

Requested Resolution : I request an immediate and thorough investigation into these inaccuracies. I expect Equifax to correct my credit file by removing all erroneous late payment entries for this account, accurately reflecting my commitment to timely payments.

Please confirm the correction of these entries in writing within 30 days of receiving this letter. Failure to resolve this matter within the given timeframe may result in further action to enforce my rights under the FCRA and other applicable consumer protection laws.

Attachments : I am including supporting documentation to substantiate my dispute, including personal identification, account status reports, payment records, and prior correspondence related to this matter.

Thank you for addressing this matter with the urgency it deserves. I trust Equifax will uphold its responsibility to ensure the accuracy of my credit report and correct these errors swiftly. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

To : XXXX XXXX, XXXX, RAS LaVrar , LLC XXXX XXXX XXXX XXXX XXXX floor XXXX FL XXXX. RE : your client XXXX XXXXXXXX XXXX  XXXX. Reference XXXX From : XXXX XXXX. 

I still have not received copies of the original cardmember agreements for any of my 4 XXXX accounts which would include the arbitration clauses and provisions. Since the accounts were opened many years ago, I need the agreements for each account in effect at account opening which may be entirely different from the agreements for new account holders. Thanks, XXXX XXXX
Product: Credit card

Capital One closed account after billing error.

Tried to dispute account from billing error but nothing was done and account was closed which resulted in extra charges, negative reporting on credit report Tender of payment was refused after mailing payment 15 U.S Code 6802 15 U.S Code 6805
Product: Credit card

On XXXX I made an XXXX purchase with Affirm ( LOAN ID XXXX ) which I soon cancelled. I have not received a refund and am still expected to make payments. I contacted them a few times and even sent proof of item cancellation from XXXX a second time on XX/XX/XXXX, XXXX their records say it's closed but I have never received a refund.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

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: Debt collection

Subject : Dispute of Fraudulent Information under FCRA 605 ( b ) and 15 U.S.C. 1681c-2 In accordance too the FCRA, 15 U.S.C. 1681c-2, law, I am now requesting the blocking of information that resulted from identity theft from in XXXX. 

Collections Date reported XX/XX/XXXX, Date assignedXX/XX/XXXX, Amount {$1200.00}, Status dateXX/XX/XXXX, Balance dateXX/XX/XXXX Account designator code Individual account, Account number XXXX XXXX XXXX XXXX ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class - Medical/Health Care ; Original Creditor - XXXX XXXX ; Amount - {$880.00} ; Status as of XXXX Unpaid ; Date of 1st Delinquency XX/XX/XXXX ; Balance as of XX/XX/XXXX - {$1200.00} ; Individual Account ; Account # - XXXX ; ADDITIONAL INFORMATION - Consumer Disputes- Reinvestigation in Process ; Address : XXXX XXXX XXXX XXXX CA XXXX : ( XXXX ) XXXX XXXX XXXX XXXX ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class - Utilities ; Original Creditor - XXXX XXXX XXXX ; Amount - {$190.00} ; Status as of XXXX Unpaid ; Date of 1st Delinquency XX/XX/XXXX ; Balance as of XX/XX/XXXX - {$190.00} ; Individual Account ; Account # - XXXX ; ADDITIONAL INFORMATION - Consumer Disputes This Account Information ; Address : XXXX XXXX XXXX XXXX XXXX TX XXXX : ( XXXX ) XXXX Also : Improper Inquries XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX Phone : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Phone : XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX GA XXXX Phone : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX Phone : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX MD XXXX Phone : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX XX/XX/XXXX XX/XX/XXXX XXXX Incorrect or outdated addresses XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX CA XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX, XXXX, CA XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Reported : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, CA XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX, XXXX, CA XXXX Reported : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to AFFIRM INC and sent them a cease and desist. I also requested specific documentation from this company which i have yet received a response. AFFIRM INC is in violation of my rights as a federally protected consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account Name : XXXX XXXX XXXX CALIFORNIA Account # XXXX Account Name : XXXX XXXX XXXX CALIFORNIA Account # XXXX Account Name : XXXX XXXX XXXX CALIFORNIA Account # XXXX Account Name : XXXX XXXX XXXX CALIFORNIA Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXXI XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XXXX XXXX XXXX. is reporting on my credit file that I owe a balance of XXXX to them for XXXX XXXX. This was paid in 2017. I have tried to talk to them and they refuse to delete it. I have even sent a letter from XXXX XXXX showing that the debt is paid in full. The CRA 's will not remove it even with proof of the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

XXXX XXXXXXXX - {$2100.00} XXXX XXXX - {$2700.00} XXXX XXXX- {$1900.00}
Product: Credit card or prepaid card

Well, you got 1/2 of our original complaint accomplishedthat of not receiving a statement. WE NEVER RECEIVED A STATEMENT and when we heard from them it was by way of a collection agency and the balance had increasing charges. WE NEVER RECEIVED A STATEMENT how can we pay a bill when WE NEVER RECEIVED A STATEMENT. 
I do not now know my original complaint number, but I am writing to tell you the solution of having the company send a years worth of past statements is NOT A RESOLUTION. 
We will be happy to pay the original charge sans accumulated interest. But not the interest because WE NEVER RECEIVED THE ORIGINAL STATEMENT. 
Looking forward to a proper response and resolution. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I requested a copy of my free annual credit report from Equifax as I had done for several prior years. I received a form letter from Equifax dated XX/XX/XXXX which said they needed additional information from me, according to two categories one labeled Identification and the other labeled Current Address. Each category listed several examples of acceptable documents. I sent a copy of my original Social Security card and a copy of my XX/XX/XXXX Annuity Statement from the XXXX XXXX XXXX XXXX XXXX which provides my address. 

I then received an identical form letter from Equifax dated XX/XX/XXXX with no explanation but requesting the same information. In order to ensure that I would provide the correct information, I called Equifax and spoke to a representative who gave her name as XXXX. I explained the situation to her and she advised writing a cover letter indicating the two pieces of information I would include. I asked if providing a copy of my US Passport and XXXX Statement of Annuity from the XXXX XXXX XXXX XXXX XXXX would be acceptable and she said it would be. I prepared a cover letter and sent it with the two pieces of documentation as instructed and approved by the Equifax representative. 

I then received a third form letter from Equifax dated XX/XX/XXXX, also identical to the first two letters and again with no explanation. I subsequently contacted the CFPB and it was suggested I submit a complaint, which is contained herein. Attached to this file are copies of the letter I sent to Equifax in XX/XX/XXXX ( note the typed date indicates the year is XXXX which is a typo ; it is corrected in pen on the copy attached to this complaint ), and copies of the two documents I sent with that letter, i.e., my XXXX Passport and my XXXX Statement of Annuity from the XXXX XXXX XXXX XXXX XXXX. I have redacted private information from these two documents sent with this complaint to the CFPB due to lack of computer security with electronic transmissions. This private information was not redacted from the documents I sent to Equifax via the US Postal Service in XX/XX/XXXX.
Product: Credit card or prepaid card

Upon looking for a flight, XXXX advertised that I would receive {$400.00} off of the fair if approved and 70,000 sky miles  after being approved for the AMerican Express SKy Miles program. Upon approval, the cite would not let me use anymore than XXXX of the card and wouldn't even allow split payments. Therefore I could not have received the bonus on the card and the miles because it would not allow me to use the card. This is very misleading and abusive to get me to apply for the card. I was so upset, I called and complained after receiving the card and cancelled having never used the card. I applied on XX/XX/XXXX and canceled when I realized I had been duped in XXXX. I was told I would revived an e-mail of my complaint and they said it would be escalated and I never received it.
Product: Student loan

1 ) I applied to switch from XXXX to XXXX plan on XX/XX/XXXX. I was not placed in the processing forbearance and continue to be in XXXX forbearance. I am in a PSLF eligible job and months are not counting as eligible toward my PSLF when they should count because I have not been placed on processing forbearance. I would like to be placed in processing forbearance as requested when I applied to be moved to the XXXX repayment plan. My form sits " in review '' and I have received no correspondence about the processing of my form. 

2 ) In XXXX of XXXX I submitted a manual employment certification form for the dates of XXXX for my employer The XXXX School XXXX XXXX XXXX XXXX XXXX my employer not signing the form regarding my hours because I was not designated by payroll as full time employee. I received no correspondence from ED of the receipt of my form. On XX/XX/XXXX again I submitted manual employment certification that shows the months of XX/XX/XXXX through XX/XX/XXXX were eligible repayment months for PSLF by meeting the XXXX XXXX calculation of hours worked based on XXXX hours worked per credit hour taught. I also submitted the syllabus from each course I taught. My form sits " in review '' and no correspondence has been provided about why those months are not being processed.
Product: Credit reporting or other personal consumer reports

My information was leaked in the XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that although I have written several letters asking for audit trails and requesting my account status be corrected several times, I am not getting any response because of the automated system you have in place which in fact its a violation as well I am demanding this account to be updated immediately on my credit report as it is in violation to the following federal constitutional laws 15 USC 1666. I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts to report anything other than PAID IN FULL : SATISFACTORY. My points dropped significantly because of the coding & them not having permissible purpose to report inaccurate information. 

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I really have just about had it with everyone involved at this point. I am a good taxpayer and bill payer, single XXXX year old woman. Not some whiny XXXX. You need to use your attorneys and straighten this out for me and everyone else being harmed. 

I took out a mortgage with down payment assistance that was a silent lien, a lien placed on the asset. I have enclosed a copy of the recent credit report update. Now they show both by XXXX XXXX and the  XXXX XXXX status as if it is in " Forbearance '', I also enclosed a definition straight from XXXX XXXX XXXX selling guide as to their definition of Forbearance since no one is quite sure what it means. 

I have tried this complaint 3 times, each time has yield a different result, previously the bureau simply removed both reportings as " closed '' Now, they put them both back on and noted they are in " Forbearance '' " A forbearance plan is a retention option in our workout hierarchy for a borrower with an eligible hardship that is temporary in nature and has not been resolved. A forbearance plan provides for a period of reduced or suspended contractual monthly mortgage payments, followed by a full reinstatement, mortgage loan payoff, or another workout option to enable the borrower to resolve the delinquency '' XXXX XXXX XXXX was a lien, there is no balance due, there are no interest charges, there are no payments due, yet they show it in Forbearance. It is killing my Credit Score, it looks like a collection account. Recently looking at a car loan, the lender told me they would count 5 % of the outstanding balance " as if it were a collection account ''. This account is a lien, it in no way needs to be reported on a credit bureau, it affects my ratios, it causes a lower credit score ... this is simply unacceptable. I never agreed to this. XXXX XXXX XXXX was disclosed to the XXXX XXXX provider, I was not informed that XXXX XXXX would be reported to any credit bureau in any fashion.. The XXXX XXXX, I did sign paperwork that I understood the lenders obligation and my rights under FCRA The big issue, the XXXX XXXX with XXXX XXXX XXXX is I pay this every month and have all year, even while being unemployed when my employer closed, yet it shows in Forbearance. It is not in Forbearance, they are just trying to keep me paying the high interest rate because in reviewing XXXX XXXX guidelines : homeowners who missed payments and entered into a loss mitigation solution such as a repayment plan, payment deferral, or loan modification are eligible for a new refinance or purchase mortgage after three timely payments. The lenders I spoke with were very clear the current mortgage can not be noted as " in forbearance '' From what else I read, the receive a premium of some sort when I make timely payments if they code it as in Forbearance.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( cfpa ) pacifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with era resolution requirements under the electronic fraud transfer act ( efta ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive a copy of my credit report and I notice a hard inquiry that is fraudulent, please remove this fraudulent hard inquiry from my credit report. I have a fraud alert in my credit report, I have been a victim of identity theft in the past. I never applied for credit with Carvana, please remove your hard inquiry from my credit report.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX CRED XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

the bank offers an extra day for us to make the deposit and once again I felt cheated. I had an account to be debited today and they send an email saying that there is this period and they don't give the extra day at all. my account came back, I lost my service and I will still have to pay interest because the bank says give it a day and even sends an email confirming it but nothing happens. are playing with the consumer. this is already the third complaint that I make here and after solving all this because I felt aggrieved, I'm going to look for another bank because in this bank my money does not yield anything, not to mention the absurd fees they always charge.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish an 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 card

I applied for the US Bank XXXX XXXX Visa card in XXXX of 2015. This resulted in a hard credit inquiry on my credit history, as well as paying the {$75.00} annual fee. After paying my annual fee I was supposed to have access to the " bonus award night exclusively for card members '' benefit. On XXXX XXXX 2015, less than XXXX months since I had initially applied for and received the credit card, I received an email stating that this benefit was being removed.
Product: Credit reporting or other personal consumer reports

Please know the information on my credit report is not correct. I've listed my name that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.