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

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 : XXXXXXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXXXXXX. 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 : On-Time Payment : I made my payment on time, as evidenced by the attached bank statements showing the payment was processed well before the due date.

Clerical Error : I believe there was a reporting error, as I have never missed a payment for this account. A review of my payment history will confirm this.

Payment Confirmation Provided : I have attached additional documentation showing that the payment was made in full and on time, as confirmed by the creditors own records.

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.
Product: Debt collection

Since XX/XX/2023, i've reached out to A third Party Debt Collector ; SIERRA MANAGED ASSET PLAN LLC multiple attempts to stop debt collection of a debt that was a result of Identity Theft from XXXX XXXX XXXX. 
Their Representatives seem to not recognize my requests to stop collecting and return to funds taken from me due to a judgement against me.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payment on XXXX XXXX XXXX & XXXX XXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Product: Debt collection

Male from collection agency came to my mothers home and issued her paper work regarding my debt..
Product: Debt collection

Company provide screenshot with information that they bought illegally with no contract no agreement they fail to provide me documentation also I need the documentation mail to me not electronic with 30 days else I have to take legal action for fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a loan on a car with carvana  with no down payment. I received the car and when reviewing the information it showed I had to pay a down payment. I called the carvana and said I could not pay the down payment and they said they would have to pick up the car since they needed a down payment. About three months went by and no one picked it up, and when they finally did I was told it was a repossession. I called XXXX the loan company which they were more than happy to help, but they are unable to since it was carvana who put it in as a repossession. I called carvana and they said that since it was out side if the seven day period they could not do that. I never agreed with the terms or loan agreement, and they refuse to change it from a reposession to a backoff at least. The loan terms were not accepted and not finalize due to not providing the down payment.
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 items XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX Balance : {$2.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2600.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX changed 22 items on my Experian credit report between XX/XX/XXXX and XX/XX/XXXX. I called to discuss this with Experian but they claim there have been no changes to my report since the beginning of XXXX. I am attaching 2 Experian reports of my XXXX XXXX tradeline account # XXXX, there are clear changes with dates and number of late payments and even a comment under " Reinvestigation information : This item was updated from our processing of your dispute in XX/XX/XXXX. '' But again, Experian says there are no changes in the past year. 

I have a couple of problems with the situation : # 1 The integrity of XXXX XXXX payment system is flawed, there is no reason for 22 errors. There are still errors but I have no recourse as Experian can't even discuss the situation because they have no record.

# 2 Why were the errors not corrected when I had previously disputed the accuracy? Experian says they have never received a dispute from me in regards to this account. The latest update on the tradeline was my request to remove the dispute comments earlier this month. Even the notes that I can't see prove there items were previously disputed. 

This isn't a new process or system there is no excuse for XXXX XXXX errors or Experian lack of accountability. The 1st dispute should have corrected the errors and the 22 corrections should raise red flags. This is affecting me financially, I want the tradeline deleted immediately or I will move forward with an FCRA attorney to file suit against Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting the wrong addresses on my credit report listed below 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  The only address that should be reported is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of the accounts below, has violated my federal, protect the consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION XXXX XXXX has violated my rights. 

15 USC 1681 section 602 a 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 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any other following items of information any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 responsible cause to believe that the information is inaccurate.
Product: Debt collection

I was contacted by phone from Convergent right before or around the 7 year date of past due payment to XXXX. I owed approximately {$9000.00}. They did n't tell me I had a right to dispute. They offered for me to settle with them at a reduced rate, of which I had no funds to provide. They said I could work out a payment plan monthly. I told them I could n't afford to pay much back in payments monthly because since XXXX I had been on XXXX. I also told them I know it is my responsibility to pay it back. I wanted to pay it back too. Then I told them I was n't working and had no idea when I would be returning to work. I have n't had substantial earnings having tried several places of employment only to have symptoms return and have to quit the job. Holding employment XXXX for XXXX or less. I 'm working now since XXXX of XXXX at only XXXX a week as that is all my XXXX and I know that I can manage. 
For the month of XXXX XXXX Convergent did n't take my auto-pay payment and did n't contact me. This payment is taken on or about the XXXX of each month since, I think, XXXX XXXX. I have paid back close to XXXX already. They may have not taken auto-pay because in XXXX I reported a lost or stolen debit card and the XXXX sent me a new one with different debit card #. I called to explain this to Convergent on XXXX/XXXX/XXXX after receiving my XXXX statement but I could only leave a message as the call was n't taken from me. In addition, I called to let Convergent know that I have recently found out that they can not collect XXXX for payment of collections. I am fearful they will take more money from me now that this month of XXXX XXXX the {$150.00} garnishment from my Bank account was not processed, which they may believe is intentional on my part. This would break any phone agreement we made in XXXX. 
I 'm also contacting you to ask, " Can they take this money from me legally? '' And, " Who can represent me if they are n't allowed? '' Thank you for reviewing and responding to my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

hese accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations also attached case pertaining to my case Ftc deem all companies to in VIOLATIONS The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 
Unfair and Deceptive Practices The OCC took the lead among the federal bank regulatory agencies in developing an approach to address unfair and deceptive marketing practices. These practices are often an element in predatory lending. The OCC has taken a number of enforcement actions against banks that were found to have engaged in abusive practices and, in one landmark case, required a bank to pay over {$300.00} XXXX in restitution to its customers. 

Predatory Lending Fair lending laws also contain provisions to address predatory lending practices. Some examples follow : Collateral or equity " stripping '' : The practice of making loans that rely on the liquidation value of the borrower 's home or other collateral rather than the borrower 's ability to repay. 
Inadequate disclosure : The practice of failing to fully disclose or explain the true costs and risks of loan transactions. 
Risky loan terms and structures : The practice of making loans with terms or structures that make it more difficult or impossible for borrowers to reduce their indebtedness. 
Padding or packing : The practice of charging customers unearned, concealed, or unwarranted fees. 
Flipping : The practice of encouraging customers to frequently refinance mortgage loans solely for the purpose of earning loan-related fees. 
Single-premium credit insurance : The requirement to obtain life, XXXX, or unemployment insurance for which the consumer does not receive a net tangible financial benefit.
Product: Credit card or prepaid card

To Whom It May Concern : I am writing today to request the XXXX XXXX Guess Rewards Points sign-up bonus, after having made {$1000.00} in purchases. 

Despite being approved for my card in XX/XX/XXXX, I did not receive my card until XXXX XXXX days after the first 3 billing cycle window for the sign-up bonus. 

My card had been intercepted/stolen in the mail and despite reporting this to FNBO on XX/XX/XXXX, I did not receive a replacement card until XX/XX/XXXX, see attached. This even after having made multiple calls and getting different answers as to when or even if the replacement card had been mailed out. 

I do not feel that my sign-up bonus should be denied because it took FNBO over a month to send a replacement card.
Product: Debt collection

Within the past 30 days, about every 3 days I have been receiving phone calls from a company ( Caller ID name is Convergent ) ( XXXX ) XXXX and they have told me that I have an unpaid XXXX Bill. No person that lives in my household uses XXXX as a phone service and I have tried to resolve the issue by speaking with a woman who has confirmed that they have the wrong person but regardless they continue calling me. They have called me on the following dates : XX/XX/2018-XX/XX/2018-XX/XX/2018-XX/XX/2018 and the last that I am able to recall is XX/XX/2018. The woman I spoke to assured me that they were going to take my phone number off of the call list but have not done so and I have continued receiving phone calls from them.
Product: Credit reporting or other personal consumer reports

Approximately XXXX weeks ago I contacted Xactus, XXXX ( aka " Credit Plus '', " XactusXXXX '' ) to notify them that I am opting out of sharing my consumer nonpublic information, pursuant to 15 U.S. Code1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809 and16 CFR 313.7 ( f ), with all nonaffiliated third-parties, including, though not limited to the following : XXXX, XXXX, XXXX, andXXXX XXXX  XXXX, XXXX. I have yet to receive any response from Xactus, LLC, and they continue to share my consumer nonpublic information nonaffiliated third-parties, including, though not limited to the following : XXXX, XXXX, XXXX, and XXXX XXXX XXXX. Additionally, I did notify Xactus, LLC of my revocation of my XXXX to it to retain my security interests and ability to transfer my security interests to anyone other than me, otherwise they are involved in securities fraud and this is reportable to the SEC for further investigation, however, I have not received any notice from them of my correspondence for their intent to follow my instructions.
Product: Credit card or prepaid card

I have several credit cards through Capital one ; I always make my payments online through their website, there have been several times when I have paid my due payment on the payment due date and have still been charged late fees and other fees. Their customer service reported to me, that if I dont pay the due amount by XXXX XXXX  on the due date its considered late and they charge me a late fee, many times its only a few minutes past XXXX XXXX. I dont think thats fair, I have several other cards Through other banks and none of them do this .. capitol one is the only credit card that does this. Over the years Im quite sure this has costed me hundreds of dollars in fees. Is what they are doing legal. 
My card numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My main complaint with Chase was requesting that they reverse the charges made on my account for hotel fees, since the pandemic was in effect and I didn't have stable living situation. So I first asked the insurance that they offer for consumers, and then credit customer service. It looks like their is a charge XXXX for XXXX on acct XXXX. 
And then on acct. XXXX, XXXX extended stay XXXX. XXXX. And from procedure XX/XX/XXXX XXXX. These items should be refunded because I'm with out a home. I started to actually realize that someone had gained account information when I filed for edd. My claim was mad in XXXX, and I didn't receive anything until XX/XX/XXXX. That was also around the time my phone was stolen/ broken and the chip was taken out too. I believe that who ever filed for XXXX before I did, did so b4 me. I think they used the same email, at XXXX, but I noticed that XXXX acct is case sensitive and their are emails that I cUt get because of the ph # not being accurate. So I don't even really know what email they used, but it was either gmail or XXXX. 
Sin e this began, I ave also noticed several duplicate charges made on two different acct. Or even on an acct I don't use normally. I think there might be more accounts their because I get pieces of info every so often that leads me 2 this assumption, I also see charges on thmy accounts for some reading purchases, I think, which I don't xo and I'm currently disputing XXXX because it's on every account multiple times a day and I don't go there but maybe once a day, since I do n't drive much right now and the amount is at times not making any sense. One was done on ac, XXXX, XXXX, XXXX, I actually have a gas card for XXXX too, which confuses me when I see charges from them on all other accts. 
Another charge XXXX, XX/XX/XXXX, XXXX. 
I think that it's possible a shadow acct has been made with my credit or orther accounts, but with ss #, reversed last for digits.? Chase even showed up on a bank account I have with XXXX. This was for XXXX, so why would it show up, and then dissappear? I don't usually use XXXX.
Product: Debt collection

XXXX XXXX XXXX has called : my cell phone ( understandable, and in all honesty I cant answer when they call because Im at work ) my workplace a co-worker at home my XXXX XXXX XXXX niece my sister-in-law at work ( and asking her employer to confirm HER employment ) And these are just the calls I know about. I get it. I owe for my student loans. Honestly I dont care that any of these people know that I owe money to the federal government, but harassing them isnt going to miraculously put enough money in my bank account to pay my loans back.
Product: Bank account or service

TCF BANK KEPT CHARGING FEES TO MY CHECKING ACCOUNT AND OVERDRAFT FEES.IN VIOLATION OF DODD-FRANK ACT.
Product: Student loan

per the FCRA as a federally protected Consumer I am now Opting out of ANY and ALL Authorization I the consumer may have giving you Written, Unwritten, and none verbal agreement.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Debt collection

I received a AUTOMATED robo call from company that claimed to be '' COMSUMER PORTFOLIO SERVICES ''. I HAVE NO DEBT! THIS IS SCAM COMPANY. AND IS JUST ONE OF SEVERAL SPAM AND SCAM CALLS THAT I RECEIVE. THIS FAKE DEBT COLLECTOR PHONE # is XXXX. THIS OCCURED TWICE ON XX/XX/2021 at XXXX ; XXXX XXXX. I HUNG UP KNOWING THAT I HAVE NO DEBTS.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX Credit Card, opened on XX/XX/XXXX. 
XXXX. Discover Bank Credit Card, opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX accounts related to an apartment I never moved into : Opened on XX/XX/XXXX, with a balance of {$13000.00}. 
Opened on XX/XX/XXXX, with a balance of {$13000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : CAP1/WMT XX/XX/2020 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person Im a living human being I have rights under 15 USC 1681 XXXX is governed by 15 - USc 1681 and they have violated my rights numerous times I demand the accounts listed below be removed because according to 15 Dash USC 1681 I have the right to privacy and I did not give XXXX written permission to furnish these accounts this may be a case of identity theft which happened during the XXXX data breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent money to someone nearly three weeks ago. The money was not claimed. The bank advertises that it will be sent back to me after 14 days that has not happened.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous letter dated XX/XX/XXXX, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on myXXXX XXXX XXXX XXXXXXXX - This account is reporting incorrectly.To date, I have not received confirmation of the correction nor observed any changes in my credit report. 

Date of reported late payment : XX/XX/XXXX/ XXXX XXXX
Product: Payday loan, title loan, or personal loan

REGIONAL FINANCE is reporting this fraudulent account to my credit reports. I would like them removed because they are holding me back from being approved for housing and affecting my financial life.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern this is the Third time I have attached to this complaint a copy of my ID and SS card. I have requested to remove any blocks freeze or Fraud alerts off my credit file please!! I need to have my security freeze removed so I can buy a car this weekend. My information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX