23daVinci/CFPB_Complaints huggingface dataset:
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 Equifax 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 Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by 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 : The late payments reported were due to an internal error in XXXX XXXXXXXX payment processing system. My payments were made on time, as confirmed by my bank records, but were incorrectly posted late due to a delay in the creditors system. This clerical error resulted in my account being marked as XXXX and XXXX days late, which is inaccurate and has unjustly affected my credit report. 
Evidence provided : Bank statement showing the payments made on time. 
Confirmation from XXXX XXXXXXXX acknowledging the processing error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax 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: Credit reporting or other personal consumer reports

I have been a victim of identity theft and have several accounts that are not mine on my credit report. This information has ruined my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the collections procolect on my account. They said to get a police report and copy o My ID. I did that. I sent the the report number with my ID The colelction account is in Texas. I never have lived there. I have lived in XXXX and XXXX  only. I told them this. The charge is {$340.00} but it is not mine! I have very good credit paying my bills. This is llowering my credit score and needs to be removed. 


XXXX and XXXX I emailed my police report from XXXX XXXX Sheriff n Fl and my ID to dispute a fraud charge on my credit as collections. I have a police report number- XXXX for fraud on XXXXXXXX XXXX in Texas. I have never lived in Texas. I lived in XXXX for 42 years and XXXX  5. Please let me know you got this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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

In 2018 I suffered a XXXX XXXX and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.
Product: Credit card

I am having a problem settling my Banana Republic XXXX Card due to some sketchy circumstances outlined below. The whole issue is somewhat complicated ; I will try to explain it at succinctly and clearly as possible. 

I am hard of hearing and do not want to handle the settling of the account in question over the phone. I wish to settle the account because I can no longer manage the payments : I have not put any additional charges on the card since XXXX 2015, and aggressively tried to pay off as much as I could, but I have missed payments and have been unable to meet my minimum payment for the past few months. Now I am at the point where I am unable to make any payments without foregoing other, more important needs, and interest keeps rising while my credit keeps falling. I have been attempting to settle the matter in writing for over six months now and have become very frustrated in my attempts. 

On my first couple attempts at settlement I received one letter stating they agree to only communicate in writing and another stating I MUST call and speak to a representative if I want to see if I qualify for any of their hardship programs. Another time they told me to call the XXXX ( which I do not have, nor do I wish to communicate that way : written communication is my preferred method in these matters ). At one point I was directed to a different address than the one I originally found : an Ohio address versus a Florida address, but when I wrote them about the issue they responded saying they needed a power of attorney in order to talk to someone other than me ( which I never asked for ). And the response came from the original Florida address, interestingly. In response to my most recent attempt sent to the Ohio address, which highlighted all of the ongoing issues, I once again received the letter agreeing to only communicate with me in writing and the other stating I MUST call to discuss their hardship programs. This response also came from the Florida address and not the Ohio one I sent the information to. 

Notwithstanding the fact that requiring me to speak with a representative to determine eligibility seems to be a blatant violation of the ADA, I believe that regardless of my XXXX I should be able to handle this matter in writing. Especially since upon researching this matter many suggested I get the deal in writing because of issues they have had with this company after making deals over the phone. I contacted the Attorney General 's office in my state, and they suggested make this complaint to help resolve this issue.
Product: Debt collection

XXXX XXXX has failed to provide enough information to support validation of debt requested by me the consumer. Attached is the most recent letter they sent me, PLEASE READ THE LETTER CAREFULLY AND URGENTLY THANK YOU!!
Product: Vehicle loan or lease

I purchased a vehicle on/around XX/XX/XXXX after purchasing the vehicle I incurred multiple issues. I took it in for servicing multiple times and some of the issues still exist. After the problem continued I reached out the the dealership and the finance company to return the vehicle back for maintenance issues. The vehicle was returned and sold on/around XX/XX/XXXX. The vehicle was sold from the dealership for over {$14000.00}. On my credit report it shows over {$7000.00} remaining as a unpaid balance which is not accurate.
Product: Debt collection

" Rent Recovery Solutions '' and " XXXX XXXX XXXX '' are extorting multiple people for old debt not owed. I am a former tenant of XXXX XXXX XXXX owned by XXXX XXXX XXXX. I followed current Lease termination agreement at the time to a tee. Giving them a 30 day written notice, as well as communicating with the local property management. I left my apartment under good standing. As a matter a fact I over Paid by {$500.00} to cover any residual or pending fees - such as a {$35.00} a day rent ( as property managXXXX stated ) till unit was rented and occupied. That happened less than 24 hours after I left. Tenant was occupied XX/XX/XXXX - confirmed by property management. Also confirmed by myself as I had to retrieve mail from the new tenant. ( He had my bank statement and opened it ). I had reached out a many times in XXXX, and XXXX trying to collect my security deposit and refund over payment. They seem to roll over XXXX XXXX a lot. Never got anywhere - fast forward almost 6 years later - I get a ding on my credit report. I reported to XXXX, and NC Govt consumer site. 
They are trying to collect debt not owed - and using my former residency as a SCAM. I fulfilled my requirements at the time and OVER PAID. I want my credit report fixed, and return {$650.00} owed back to me for over payment & security deposit. I have reached out to corporate and got a VM of XXXX in Legal for XXXX XXXX - never heard back. I am also seeing a trend of this behavior on the XXXX  site. I am not the only victim of extortion. 5-6 years later. ( After the fact ) Why Now? Using tenants as a way to boost profit?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted a complaint under XXXX. The consumer reporting agency has taken more than the legal allowance of 30 days to resolve this complaint. My driver 's license and social security card have been uploaded to confirm my identity. The CRA should have investigated initially before assuming the responsibility to report fraudulent information on accounts that are open-end consumer credit accounts without credit limits or late payments as all debts are the sole responsibility of the U.S.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a XXXX XXXX XXXX in XXXX of XXXX I gave my information to XXXX to run my credit, my information was sent to XXXX XXXX where my credit was ran and I was emailed the results, the email was a summary of payment basically what the contract was going to be, the original payment was supposed to be XXXX for XXXX XXXX and the XXXX XXXX was already added to the payment, the APR for the loan was 21.53 % interest, the total, there are discrepancies on this contract I have spoken to an attorney about this situation, XXXX XXXX committed fraud, deceptive business practice, negligence, breach of contract, the email of payment summary should had match the contract, XXXX XXXX changed the term from 72 months to 74 months, and changed my payment from XXXX to XXXX a month, XXXX the total price over 74 months to XXXX dollars I have filed fraud against XXXX XXXX to the FTC, the ftc is already fining used car dealerships and finance companies for price Gauging, XXXX XXXX has already been sued for the same problems Im facing I will seek and hire an attorney and take this to arbitration, I dont appreciate deception, changing the contract to get more money, thats taking advantage of a customer I do have proof, this proof was already looked at. And the financing added together from the email it doesnt add to XXXX dollars for 74 months but still XXXX XXXX changed the terms to get more money from 72 months to 74 months and changed my monthly payment I would be happy to go to court but if they want to settle this with me thats fine, j have no problem with me or arbitration, this shows that XXXX XXXX XXXX advantage of there customers, I was dealing with my mother XXXX in XXXX, being emotional and going through all that I was going through, I had time to go over this situation Im not happy and that mad, this company needs to be investigated I will file more with the FTC on this matter thats why laws are changing I can show the CFPB that XXXX XXXX has been sued and fined for this same situation Im going through, they can resolve this situation I will provide that email that I was sent by XXXX after getting the information from XXXX XXXX on the term of contract and payment, they made this car and payment so high because they wanted more money Im not excepting what they did to me, something personal I have experienced XXXX losses in my family my mom and step dad , I feel XXXX and XXXX XXXX took advantage and deceived me, correct this issue, I will send this information and all information to Experian, I will not tolerate no company to commit deception as what XXXX XXXX has done, you have my complaint you can call me but up front your call will be monitored and recorded thank you, Experian remove this account from my credit report because XXXX XXXX XXXX fraud I will provide this new evidence to show that XXXX XXXX changed terms of contract I have a payment summary from XXXX XXXX showing differently whats on the agreement,
Product: Credit reporting, credit repair services, or other personal consumer reports

Radius Global Solutions, A DEBT COLLECTOR is Harrasing me about a transfered debt from XXXX XXXX Which I Do Not Owe, on XX/XX/2022 Please advise to how I DISPUTE.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Unauthorized Credit Report Lock in Violation of FCRA To Whom It May Concern, I am writing to formally express my frustration and extreme dissatisfaction with Equifaxs handling of my credit report. Without my consent or prior notification, Equifax has locked my credit report, which has directly resulted in significant difficulties in my ability to obtain credit. This lack of communication and unauthorized action is a blatant violation of the Fair Credit Reporting Act ( FCRA ), which mandates that consumers be informed of any adverse actions taken on their credit reports. 

Section 605A of the FCRA guarantees consumers certain protections, and Equifaxs failure to notify me before locking my report has caused undue financial hardship and impeded my ability to secure necessary credit. This is not only unacceptable but also illegal under federal law. 

I demand an immediate resolution to this matter, including : The immediate unlocking of my credit report. 
Written confirmation of this action. 
A full explanation as to why this action was taken without proper notice. 
Assurance that Equifax will adhere to FCRA requirements in the future to prevent further illegal practices and consumer harm. 
If this issue is not promptly addressed, I will be forced to escalate this complaint by filing grievances with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. Equifaxs lack of accountability in this matter will not be tolerated. 

I expect to hear from your office no later than XX/XX/year> Sincerely,
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 ) has violated my rights.

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regard 's to incorrect information on my XXXX  and XXXX  consumer credit reports. It has been well over 30 days and I have not received any investigation results. The dispute was filed on XX/XX/2021 with both XXXX  and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been reporting erroneous and fraudulent information violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am seeking to bring litigation to Equifax because my character has been defamed. I demand that these inquires below be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN : XXXX XXXX DEPARTMENT RE : XXXX On XX/XX/2022, I wrote to you and requested information about an account you are reporting on my credit report but you never responded. I then sent another letter to you on XX/XX/2022 and XX/XX/2022 advising that if you failed to respond and/or comply with the law, then you would be subject to fines and damages, per the FCRA. You still failed to comply. Please note, for the record, that this is my final attempt to reach a resolution directly through your company to resolve this issue. I am no longer merely requesting verification of this alleged debt. At this point, I am formally demanding that within the next 7 days, you remove this unverifiable account from any and all credit bureau reports in which you are reporting to and that you send me notification of your intent to do so. Should I not hear from you, again, within the next 7 days, and you are still reporting this account at that time, then the next communication you receive from me will include copies of formal complaints made to the XXXX XXXX XXXX the State Attorney General, and the Federal Trade Commission not to mention my legal counsel and the local media that I plan to reach out to in order to expose your unlawful business practices. I would much rather resolve this issue both swiftly and amicably without the involvement of anyone else. Therefore, your response by XX/XX/2022 would be greatly appreciated! 

I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you never responded, but updated on website that " This item was updated from our processing of your dispute in XXXX 2022 '' and that my last complaint was a duplicate. My last complaint was a notice of estoplle by your silent Under the laws of the FDCPA, I have contacted the collection agency Denefits llc myself, and they have failed to verify that this is indeed my debt. 
I enclosed copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent this letter by certified signature request. I was given no evidence of my obligation to pay this debt to this collection agency. 
The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. 
According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. I look forward to a swift and amicable resolution to this matter. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove all accounts that don't belong to me
Product: Credit card or prepaid card

I received an alert on my credit of an account registered on it. I did not recognize it and alerted the company of the card. They told me they are close the account but hasn't. In XX/XX/XXXX the account was open with EXTRA XXXX, I immediately told the company its not my account and I want it cleared of my credit. They told me they would. But as off XX/XX/XXXX the account is still on my credit and it has not closed. The company does not answer its phones and all calls goes to a voicemail. XXXX XXXX has ask me to file a complain to clear my name and get this account closed off my credit.
Product: Credit reporting or other personal consumer reports

There are wrong address listed on my credit report. 
The only address that should be listed is my current address. 
XXXX XXXX XXXX. 
XXXX XXXX FL XXXX. 

My report has not been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert from Experian on Friday XX/XX/XXXX that an account at XXXX XXXX was open in my name with my social. I called the number provided on the alert. When I called, I provided the representative with my personal information. It was confirmed that an account was open out of XXXX Virginia, but my date of birth was incorrect. She then transferred me to the fraud division. Once the new representative came on the line, he explained to me that the previous representative should not have given me that information and he was unable to give me any information and I would need to subpoena the record. I explained to the rep that I needed the information so the police can stat an investigation and they could not complete or file a report without the account number. He gave me the number to call back on Monday XX/XX/XXXX. I called the police department back and informed them that XXXX XXXX would not give me the account number and other information. Again, I was informed that my case could not be open without the information from XXXX. I called XXXX back on XX/XX/XXXX and spoke with the XXXX XXXX and I explained again that I was a victim of identity theft, He put me on hold. When he returned, He said he could not give me any information. After we finished our conversation, I contacted the Federal Trade Commission and filed a report and I was given my rights as a identity theft victim and the business responsibilities. Once that was completed, I mailed a 30 day demand letter requesting all transaction records and the application used to open the fraudulent account. To open a investment account and other banking accounts you need an ID. I fear that not only my social was stolen, but my entire personal information including an ID that does not belong to me. I'm also a small business owner. This will also effect my business financials too.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card reported on my credit report that I was negative in XXXX of XXXX. Which I did pay in full that month. Reported it to credit report many times with proof but nothing is being resolved.