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 XXXX. 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 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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

it is showing that I missed a payment for XX/XX/2021 on my XXXX XXXX XXXX  card and I have never missed a payment I have filed a dispute with experian, XXXX  and XXXX  about my XXXX XXXX account ending in XXXX under section 609 of the fcra my consumer rights are being violated.
Product: Credit reporting or other personal consumer reports

For over XXXX year, I have repeatedly asked Trans Union to allow me access to my credit report and the ability to make corrections or disputes on line like every one else. They have continually refused me access. They say that if I want to dispute, then I have to go through a representitive, however I cant see my report to file a dispute. I spent XXXX hours on the phone with them, each agent said they were putting me through to a supervisor, howeven none were supervisors. They all offered to do a DISPUTE, BUT I COULDNT SEE THE REPORT TO MAKE INQUIRIES, SO HOW DO YOU DISPUTE WHAT YOU ARE NOT ALLOWED TO SEE? this has been going on over XXXX year. Today I tried again, they said I was suspended because of to many failed attempts to log on, they sent me a temp code, which did not work, I called back told them, they accused me of manually entering to information incorrectly 5 times, in which I did not, This goes on and on, they say a supervisor will call me back, none does, and never gets fixed
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. I am also requesting the date that the supposed delinquency incurred, which should have been given to you by the companies. I know that it typically takes seven years for a trade line to be removed, but I would like to know the specific month and year that this trade line will be removed. 

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: Mortgage

I recently purchased a home for XXXX. It appraised for XXXX. I requested to have XXXX removed since I have the proper loan to value ratio to have it removed. Wells Fargo sent me a letter stating my options for removing XXXX. I spoke with a Wells Fargo representative and we looked over the letter together while on the phone. She stated that I qualify to have XXXX removed, but that I need to have another appraisal done at my expense. I had another appraisal done, and the value was stated at XXXX. I received a letter from Wells Fargo stating that I do n't qualify for XXXX to be removed because I did n't make improvements to the home. This was not a requirement in the letter l initially received, and it was n't a requirement that the rep told me when I was told to order the appraisal. I want Wells Fargo to refund me for 1. ) the cost of the appraisal, 2. ) the XXXX fees that I have continued to pay while they " investigated '' this issue, and 3. ) my legal fees in rectifying this situation. I also want them to be compelled to remove XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two companies that monitor my social security number and credit reports, and last XXXX I was notified that someone tried to open an account with Charles Schwab, so I immediately called the number on my XXXX  credit report for Charles Schwab, explaining that I had not applied for any type of account with them, and I did not live in the state where it was applied at, as well as the fact that they used a previous name of mine " XXXX '' that I haven't used for 13 or more years. I had to go through a verification process to prove this was fraudulent, and they agreed. The sent me a letter stating the didn't open the account and removed any damages if there were any. They did not remove the " hard inquiry '' from my XXXX  report, and I contacted both XXXX  and Charles Schwab at least 5 times because of this. XXXX  states that Charles Schwab has to send them a letter stating that the hard inquiry needs to be removed, regardless that they admitting that it was in direct relation to a fraudulent account. I have written letters to Charles Schwab as well, yet they will not do anything. Every person I speak to states they will get it to the " Fraud Dept '' and nothing ever comes of this. It has been almost 4 months now.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of th Equifax data breach. I want these items Deleted from my credit reports fective immediately. Lam attaching proof that Equifax has admitted tha was in fact a victim of this data breach and Equifax has done nothing. ease help me delete these illegal accounts from my credit reports. List : lose negative acounts from your Equifax credit reports. Account name and account numbers and file Your complaint with the CFP
Product: Credit reporting or other personal consumer reports

I tried getting my credit report from Experian via XXXX and I was denied. Never had a problem with it before but now they aren't allowing me just like XXXX. I screenshot and attached it below
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 Experian 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, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian 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 : Payment made within the 15-day grace period : My payments were made on time, which falls within the creditors standard 15-day grace period. Therefore, the account should not have been reported as 30 days late. 
Clerical error by XXXX XXXX : Upon reviewing my account, I identified that my payments, which were made on time, were incorrectly processed as late due to a system error on the creditors part. This error led to the account being reported as delinquent without proper cause. 
Evidence Provided : I have attached my bank statements and payment confirmation emails showing that the payment was processed, clearly demonstrating that no 30-day late payment should have been reported.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian 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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Info Reference Number XXXX Court XXXX XXXX CT PA XXXX is showing on credit file after being XXXX. Bankruptcy having a negative impact on credit file. Sent letter to courts for validation no information was received. Been over XXXX  days.
Product: Credit reporting, credit repair services, or other personal consumer reports

PHH Mortgage Services is facilitating fraud and identity theft by an unknown third party. The property ( XXXX XXXX ) was foreclosed by the second lender in XX/XX/XXXX. Since then, the original first mortgage loan ( Account # XXXX ) has been fraudulently maintained, without my consent. 

Intermittent, minimum payments to the account are always late and made just prior to foreclosure by PHH. Accordingly, my credit report/score has suffered and the loan appears to be active. I have not lived at the house, derived any benefit from the property, nor made any payment to the loan since XX/XX/XXXX. 

( See attached : XXXX XXXX Deed, dated XX/XX/XXXX ; and, XXXX XXXX Tax Assessment, dated XX/XX/XXXX, for XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX )
Product: Credit reporting or other personal consumer reports

XXXX XXXX I was under the impression, that I could use XXXX  as a financial transfer agency ( sole purpose ) Of opening account. I did not receive a personal loan of {$710.00} from XXXX. XXXX  has forged my e-sign to apply for a personal loan in my LEGAL NAME, without my consent, after I called and instructed them that I did not consent to apply for any loan that I did not receive, and I instructed XXXX XXXX XXXX, to close the account and to cease any action that I did not give a written consent to. 

Your credit report doesn't include your marital status, medical information, buying habits or transactional data, income, bank account balances, criminal records or level of education. It also does not include your credit score. 
Your credit report is meant to provide a detailed record of how you handle debthow much of it you carry and how well you pay it off. It also includes personal identifying information that helps to verify that the information in the report is yours. 



XXXX  HAS VIOLATED FAIR CREDIT REPORTING ACT ALSO EXPERIAN HAS VIOLATED COMSUMER LAWS, BY REPORTING MY PERSONAL ACCOUNT BALANCES, and displaying my personal spending habits in a negative way. 
EXPERIAN SOLICITED, A PERFECT MATCH FOR ME TO APPLY FOR CREDIT CARDS AND THEN DENIED ME SO I FROZE MY CREDIT ACCOUNT. 

*INACCURATE REPORTING *INACCURATE PERSONAL INFORMATION *XXXX  AND EXPERIAN have reported closed accounts, as active personal lines of credit and as personal loans, I have not applied for any loans nor have I received any loan, card, or credit from EXPERIAN OR XXXX  .
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and misused and in doing so there's unknown and unauthorized accounts appearing on my credit file and I'm respectfully requesting that these accounts be blocked and/ or removed immediately. 

The following accounts are, ( 1 ) XXXX XXXX XXXX {$110.00} ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX {$120.00}, ( 4 ) XXXX XXXX   {$6000.00}, ( 5 ) XXXX XXXX {$760.00}, ( 6 )  XXXX XXXX & XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an outdated and inaccurately reported account that has surfaced on my credit report. This matter is of utmost gravity as it directly implicates violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), and may warrant further legal action. 

Upon thorough examination, I have identified an installment account, labeled as XXXXDept of ED Loan , with a purported amount of {$2000.00}, which does not accurately reflect my current financial status. This discrepancy extends throughout my entire credit profile, encompassing inaccuracies in Account Numbers and the surreptitious concealment of pertinent account details. I have multiple pieces of evidence to substantiate my claim. Therefore, this shall be rectified immediately. I have a personal attorney ready and compliant for legal proceedings. 

**Disputed Account Information : ** - **Account Name : ** XXXX/Dept of ED Loan - **Amount : ** {$2000.00} Furthermore, the reported last day of activity on this account does not align with the actual date of my last payment, presenting a clear distortion of my credit history. These disparities have been meticulously documented across all credit bureaus and shall serve as compelling evidence as I pursue corrective measures to rectify the inaccuracies within my credit report. 

It is imperative to underscore that the mislabeling of accounts, such as incorrectly designating an account as " paid as agreed '' when it was not, or inaccurately labeling another as " deferred, '' constitutes severe violations of consumer protection laws, particularly the FCRA. 

I hereby demand your immediate attention to this matter and expect a swift resolution in full accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. As mandated by FCRA regulations, I insist on receiving a response within 10 days from the date of this correspondence. Failure to expeditiously address and rectify these egregious inaccuracies will compel me to pursue all necessary legal recourse against the credit bureau.
Product: Checking or savings account

On XX/XX/22 a withdrawal from the ATM was made from my Fifth Third Bank business checking account in the amount of {$1600.00}. It was immediately transferred to my personal checking account. Upon receiving the receipt of transaction, it was discovered that only {$350.00} of the money was received by my account. Because it was after hours that day and then the holiday on Monday, I was unable to file a dispute until XX/XX/22. I was assured that I would receive a provisional credit for the missing {$1200.00} to my account within 8 business days. When that day arrived on XX/XX/22 the money was not available on my account. All my bills were due over the week of me waiting for the credit. Some were paid and others returned causing several overdraft and returned item fees to accrue to my account. My banking and bill payment history will show that I have never had late payments or overdraft issues in the past. On XX/XX/22 I visited the branch where the transactions were made to check on the status of the credit. The bank representative called disputes and I was told that they dont know why the credit hadnt been issued and I was going to have to wait up to an additional two more business days because investigators do not work on the weekend. Additionally, I would not be reimbursed for the NSF fees that were issued by the businesses for the returned items. I have current health issues that require medication that I can not purchase because of my negative account balance. I can not buy food, gas and many other items essential to daily life functions for myself and my family due to my money not being available for an extended period of time. The banks collection department called me on XX/XX/22 asking for payment to bring my account to a positive balance. This was very confusing as I was expecting the account credit the very same day. The lack of communication between departments, the business practices and policies of this bank have created a domino effect of problems for me. It is unfair to me as a customer to have to suffer additional financial loss as a result of a bank error. This ordeal has caused not only financial hardship, but mental anguish, and health complications as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB complaint to request that the Credit Bureaus delete the following disputed erroneous accounts and information that were never corrected nor updated by the Credit Bureaus! I have read that under the FCRA section 609 and 611 that the Credit reporting Agencies are required to reinvestigate and provide copies of proof of verifcation per consumer 's request and update, correct or delete any erroneous accounts and information from a consumer 's Credit report. I previously been sending multiple letters adressed to the Credit Bureaus requesting that they correct and update any accounts reporting to be inaccurate or provide me copies of information to verify the accuracy and authenticity of the disputed accounts and yet they have failed to do so. I am now submitting this complaint to request the immediate removal of the following accounts completely from my Credit Report : DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDNELNET XXXX Balance Owed : {$0.00} DEPTEDNELNET XXXX Balance Owed : {$0.00} DEPTEDNELNET XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$200.00}
Product: Credit reporting or other personal consumer reports

Fraudulent inquiries on credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/2023, a fraud claim regarding unauthorized transaction activity was filed on my mothers USAA bank account. I am listed as an authorized user and have Power of Attorney on her account to manage her finances. 

On XX/XX/2023, I received notice that USAA had determined to give a 60-day notice to close both my mothers checking account and my separate personal checking and saving accounts while keeping the funds frozen for six business days during their initial investigation and the appeal investigation process. 

My account had no connection to the fraudulent charges experienced on my mothers account. Still, USAA terminated my membership, account access, and funds without cause outside of their " policy ''. 

I am requesting assistance from the Consumer Financial Protection Bureau in investigating USAAs unlawful account closure actions taken against me as an individual consumer. 

Please use the above timeline and details regarding dates and actions taken by USAA that led to the unfair closure of my unrelated personal bank accounts with funds frozen. I appreciate you communicating this complaint to USAA to resolve the matter at your earliest convenience.
Product: Debt collection

This debt collection agency is negative reporting on my credit report that I opened an account XXXX in XXXX  and owes a balance of {$780.00}. I never opened this account. Ive submitted disputes regarding the accuracy, dollar amount, authentication and the account not being open as reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting transunion sending certified letters, only to not get my issue resolved. i have explained in all my letters i have been a victim of identity theft for years and this has affected my life tremendously including having to keep contacting and explaining the inaccurate information. with that being said everything transunion has asked for i have done and provided including freezing report and sending a identity theft report. by law transunion is to investigate block and delete any inaccurate information they are reporting. they are doing their part as all they do is send these pre written letters that dont show anything being done or their part. as an american citizen a deserve to be treated fair and things like this can be resolved by taking a second look.