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

XXXX XXXX XXXX account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 in XX/XX/year> and XX/XX/year> 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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 or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address, These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. 
To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1. Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report. 
2. Update my credit profile to reflect the correct information as listed above. 
3. Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I recently noticed multiple inquiries from your company on my credit report that I dont recognize or remember authorizing. This has been extremely stressful as its affecting my credit score.
Product: Debt collection

I ha ve contacted   XXXX   XXXX   XXXX   in regards to an account listed on my credit report that I do not recognize. They are reporting to the   XXXX   major credit bureaus on behalf of Synchrony Bank. I have asked  XXXX  to  verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to {$1200.00}. I have never had an account with Synchrony Bank. I have sent them a dispute letter stating that if they can not verify this account, they need to remove the account from my credit report. They have sent  only 1 letter  saying that they have done an investigation on the account and it was being reported as accurate. But they still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX Subject : Dispute of Unauthorized Accounts Request for Removal and Investigation Dear Dispute Department, I am writing to formally dispute multiple accounts listed on my Experian credit report that I did not open or authorize. These accounts appear to have been fraudulently opened in my name, and I request their immediate removal in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 
After reviewing my credit report, I discovered the following accounts that were not initiated by me : XXXX. Account Name : XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$86000.00} XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Amount : {$150000.00} Given that these accounts were fraudulently opened, I ask that you investigate the matter in accordance with the FCRA, specifically 15 U.S.C. 1681c-2, which entitles me to request the removal of fraudulent entries from my credit file. I am also entitled to a fair and timely investigation as per 15 U.S.C. 1681i, which requires a response within XXXX  days of this request. 
Actions Taken to Protect My Identity : - I have contacted the fraud departments of the relevant creditors and placed fraud alerts on my accounts. 
- I submitted an identity theft report to the Federal Trade Commission ( FTC ), which I have included with this letter. 
Documents Enclosed : - A copy of my government-issued ID. 
- A recent utility bill or official mail showing my current address. - FTC Identity Theft Affidavit ( if applicable ). 
Request for Fraud Alert or Security Freeze : Along with the removal of the fraudulent accounts, I request that a fraud alert be placed on my credit report or, if necessary, a security freeze to prevent further unauthorized activity. Since I have already filed an identity theft report, this request is in line with 15 U.S.C. 1681c-1. 

Legal Rights and Timeline : Under the Fair Credit Reporting Act, I understand that you are required to investigate my dispute within XXXX  days of receiving this letter. I expect that the fraudulent accounts will be removed from my credit file without delay. Should you fail to conduct a proper investigation or respond within the prescribed timeline, I will pursue further actions to protect my rights, including contacting the Consumer Financial Protection Bureau ( CFPB ) or seeking legal recourse. 
Once the investigation is completed, I would appreciate written confirmation that these fraudulent accounts have been removed from my credit report. I also request that any associated inquiries or derogatory marks linked to these accounts be eliminated from my file. 
Thank you for your prompt attention to this matter. I look forward to a swift resolution. If additional documentation or information is required from my side, please contact me. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, XXXX and Experian for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/2023, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all 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 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.

Because of the illegal reporting of these accounts I am unable to purchase a home for myself and my daughter.
Product: Money transfer, virtual currency, or money service

What happened was that my phone was stolen and someone has been transferring money using my mobile app. He did {$1000.00} and {$1400.00} on XX/XX/XXXX, two {$2500.00} on XX/XX/XXXX, and two {$1000.00} on XXXX XXXX were transferred to an account that I do not know. However, I have received none email notifications about adding someone new to my XXXX account 's contact or sending the money. The only email that I got was from XX/XX/XXXX at XXXX about sending {$2500.00}. In addition to that, I have not received any text message verifying any of the transactions. 
I went to Bank of America on XX/XX/XXXX to freeze the account and to file a fraud claim. The claim number is XXXX-XXXX, issued on XX/XX/XXXX and closed on XX/XX/XXXX. I got the result back - a letter saying that upon their research, they have determined that they are unable to honor the claim because they think that I gave authorization to whom transferred the money. I here claim that I did not authorize anyone to access my bank account, the money was stolen from me And I did not receive any email or text messages for the earlier transfers out of my account from Bank of America for the illegal transfers. I feel this slack on part of Bank of America made me lose the money from my account.
Product: Credit reporting

All XXXX credit bureaus, Equifax, XXXX, and XXXX are reporting a state tax lien for me, dated 2011. I am including a screenshot from my visit to the Georgia Department of Revenue website with my last name used in the search criteria to show that there are no unpaid taxes in my name. I have sent disputes to the credit reporting agencies and have received follow-up very quickly that the reporting is accurate. I am writing to see if you can assist with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This CFPB Complaint serves as a follow up CFPB Complaint for my previous CFPB Complaint requesting that the Credit Reporting Agencies investigate and remove the accounts that resulted due to fraudulent activities. On XX/XX/2023, I sent a dispute letter to each of the Credit reporting Agencies to have the accounts removed from my Credit File. In those letters I attached copies of my personal identifying documents as well as the FTC report I received from the Federal Trade Commission for reporting the fraudulent accounts on my Credit Reports. I request the Credit Bureaus to thoroughly investigate the following accounts and have them removed from my Credit File in accordance with the Fair Credit Reporting Act section 605b : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3300.00}. These accounts were never made by me nor did I authorized anyone on my behalf to do so. These accounts are clearly fraudulent and must be removed from my Credit file the sooner the better. I have attached the letters I sent on XX/XX/2023 for I fear that the letters I sent would not be received by the Credit Bureaus. This complaint serves as my assurance for the Credit Bureaus to receive the letters.
Product: Checking or savings account

My sons guardianship account was closed XX/XX/XXXX and as of today ( XXXX/XXXX/XXXX he has not received his check for {$1800.00}. We ( myself, his father, and Chase employees ) have been trying to rectify this for, now 12 months, with no success. We have contacted Chase via e-mail, XXXX ( notarized as they requested ) account escalation specialists, phone calls ( many ) and direct talks with Chase representatives XXXX XXXX different ones ). Nobody can give us a satisfactory explanation as to why he has not received his money. We are still waiting, after 27 plus attempts, if for nothing else, at least a reason why this is such a complicated matter for mighty Chase, taking up so much of our time. A similar letter was sent on XX/XX/XXXX to the Account Escalation XXXX XXXX ( XXXX XXXX ) with the Case # XXXX ... .....
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022
Product: Debt collection

started reaching out to the creditor the beginning of XXXX in regards to this matter and received only a response stating that this debt allegedly belongs to me. According to 15 USC code 1581 ( e ) b this information has to be 100 % accurate and also according to 15 USC 1681 ( i ) 7 if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX 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: Debt collection

This is not my account and they have not provided original paperwork or a breakdown of what is owed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I had a PPL ( Parent Plus Loan ). My mom was approved for forgiveness and the loan was cancelled and cleared from her credit report and I have disputed this on my credit report but it has not been removed as well as other incorrect information and neither of the 3credit bureaus ( Experian, XXXX, XXXX ) have removed these negative remarks from my credit report no matter how many times I dispute them. 

I never had an account with XXXX. I disputed this account as well and it is still on my credit report causing a negative impact. Ive not heard anything back from the credit bureaus about this issue either.
Product: Credit reporting or other personal consumer reports

This Information is Incorrect XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting TransUnion explaining to them that they are reporting things that absolutely fraud and do not belong to me. I have told them over & over & over again that this information that they continue to keep on my report is fraud information. The account for XXXX XXXX  & XXXX XXXX do not belong to me & I did not apply for these accounts. I have sent several police reports & the identity theft reports and they still report fraud information.
Product: Student loan

My student loans are transferring from Great Lakes to Nelnet this month. My account is closed at Great Lakes as of XX/XX/XXXX. As of XX/XX/XXXX, I am still waiting to receive any communication from Nelnet about setting up an account there. I have reached out to Nelnet and not received a response. I have heard terrible things about Nelnet and am suspicious.
Product: Credit card or prepaid card

received my monthly statement for XXXX stating my balance on my account was {$65.00} which is due on XX/XX/19. I paid that balance off on XX/XX/19. I received another statement for back finance charges in the amount of {$200.00}, when i thought the account was paid in full. I called Comenity to ask and it turned out a promotion ended on XX/XX/19 which was the reason for the back interest even though my statement stated my due date was the XXXX and I had paid prior, I was still charged. This was confusing on the statement, i explained and I paid off that balance immediately. I now have an additional balance of {$27.00} for a late fee and finance charges on that amount for {$4.00}. I specifically asked the rep on the phone if the finance charge was for the late fee and she stated yes. I then asked to speak to a supervisor and requested to have my account closed. I feel this is in violation of UDAPP due to how the statements read causes confusion and additional charges when the account was thought to be paid in full.
Product: Debt collection

I have no debt that is old to XXXX XXXX prior to 2022. Nor did enter into any deal or contract with PERSOLVE LEGAL GROUP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I have reached out to them asking for any proof of a contract or debt that they say I have with them. They have provided nothing. They refused to delete this collection off my account. Owe none of them anything.
Product: Debt collection

Account Number : XXXX I refuse to pay this debt or any other debt that you have in or associated with my name. 
Once again, I am informing you to cease all contact with me or anyone else about this claimed debt
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. 

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 and 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 XXXX : 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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

XXXX capital one {$1000.00} I was in XXXX, I got released on XXXX XXXX  on XXXX Under the stipulation of 15 US Code 1681i ( 6 ) ( b ) ( iii ), it mandate that consumers reporting agencies ( namely XXXX, XXXX, and XXXX ) are required to furnish a written notification to consumer ( in this case myself ), upon request, detailing the methodology employed to verify the accuracy and completeness of the information on record. This includes providing the name and adroit of any information provider contacted during the verification process, along with contact number. Over XXXX  days ago, I solicited documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report..
Product: Mortgage

I applied for mortgage forbearance and was approved on XXXX XXXX it was explained to me that any missed payment while under forbearance will be continued to the tail of my mortgage. The forbearance ended and now I would like to continue my monthly payments as agreed. The mortgage company ( nationstar now Mr Cooper ) said that I must accept a loan modification instead and or paying a lump sum of all the missed payments while on forbearance. ( About $ XXXX ) It was explained to me yesterday that those are the only 2 options I have. And that what any agreements about attaching the missed months to the end of the loan is not doable. 

The loan modification effectively increases my total mortgage over $ XXXX with instantaneous profit for Mr Cooper of $ XXXX, whether or not my loan is sold in the future. I can not any advantage to taking a loan modification when that is not what I agreed to.