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 Dates of Late Payments : 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 XXXX. I referenced the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Truth in Lending Act ( TILA ) ( XXXX XXXX Code XXXX ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : According to my bank records, the payment was made on time, and there should be no late payment reflected in the report. I have enclosed bank statements showing the exact date of the transaction. 
XXXX XXXX XXXX : The creditor accepted the payment but failed to update their system promptly, resulting in an unjustified late payment entry. I have included communication from the creditor acknowledging the delay on their end. 
Miscommunication from XXXX : There was an error in the creditor 's communication about the payment schedule, which caused confusion about the due date. This confusion was acknowledged by the creditor, and I have included the relevant correspondence as evidence. 
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 XXXX, 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

Public record being reported to credit report and this is against law and violation on my credit report related to public records,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND complaint regarding the violation laws XXXX and Transunion have down causing me to be affected harshly through credit denials. 

I have several inaccuracies and inconsistencies in the bankruptcy reporting on my credit report. Since XX/XX/XXXX I have been disputed the reporting with all XXXX credit bureaus as well the XXXX XXXX XXXX XXXX XXXX and LCI. 
XXXX quickly agreed with the inaccuracy and removed the reporting but both XXXX and Transunion have consistently responded to me with the same responses stating the bankruptcy has been verified. 
I sent letters to the courthouse the bankruptcy was filed to request how they go about verifying with the credit bureaus on reportings and they replied stating they do not furnish information to the credit bureaus. 
I then sent a letter to XXXX disputing the validity of the bankruptcy reporting and they responded by deleting the bankruptcy in XXXX stating they were unable to verify the accuracy. 
I contacted LCI because in my research, I found on Transunion 's website at XXXX : XXXX that they are furnish bankruptcies to Transunion, but they only furnish bankruptcies from XXXX to the present to Transunion and older bankruptcies are verified by Transunion from XXXX. I sent a letter to double check this and their response was that Transunion verified mine with XXXX. 
Both XXXX and Transunion have sent monthly responses to my dispute letters stating they verified the bankruptcy with XXXX. This is NOT POSSIBLE because XXXX deleted the bankruptcy back in XX/XX/XXXX. This means XXXX and Transunion are not and did not conduct an actual and proper investigation and are violating my consumer rights! Them continuing to report the bankruptcy is illegal! 

I'm attaching the letters I sent and their responses to this as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is actually with the Company reporting my credit to the 3 credit agencies. Back in XXXX I had a problem with my XXXX  Credit card, They had a charge of {$740.00} on my card that I did not make. I went back and forth with XXXX many times about this and finally sent them the bill back telling them I refuse to pay the balance until they provide a receipt of what I have purchased. I than had a XXXX XXXX that was removed in XXXX and this was forgotten about. I recently studied my credit report and it appears Calvary Portfolio Services took over this bill. I disputed it with the 3 reporting agencies looking for proof of what I had purchased. Calvary sent me a copy of the same bill I have been receiving from XXXX with NO explanation still on what was purchased. I have attached my copy of what I sent XXXX in XXXX and a letter to Calvary. If they are not able to show what I purchased then this should be removed from my credit report. They also said my account is " Now subjected to resumption of collection efforts '' I'm not sure what that means but it sounds like punishment for a complaint. My Social Security # XXXX
Product: Checking or savings account

XXXX XXXX  made two unauthorized charges to my checking account {$65.00} each for a total of {$130.00}. I called XXXX XXXX and was told that they refunded the {$130.00} that same morning. When I tried to call Bank of America about the unauthorized charge they told me the charge was still processing along with eight other changes. Bank of America told me I can not dispute the charges or retrieve the charge until it finish processing. The next day all the other eight charges finished processed EXCEPT the {$130.00} charge for XXXX XXXX. I called Bank of America and asked the representative why havent this charge process and all the other charges are completely processed which makes me think Bank of Americas is discriminating against me and holding that unauthorized charge in limbo so that  I can not dispute the charge and retrieve my money back in a timely fashion. Bank of America is trying to keep my money held up for 3 to 7 business days for a charge I did not authorize. I think Bank of America is withholding my funds due to XXXX discrimination practices that is integrated into their banking network.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX it was discovered while on XXXX that there were hard and soft inquiries on my credit profile that were fraudulent from entities only from XXXX, Georgia and New York ( XXXX XXXX ). The only account I have is from XXXX XXXX and I know that all my personal information and identity were sold or maliciously given or transferred over to third parties with criminal intent my former employer was also from Georgia ( XXXX, XXXX ). A company whom I reported on XX/XX/XXXX XXXX harassment to and was retaliated against and since then have been paying the price and am now XXXX and can't get a job and now this. XXXX XXXX along with the California Tax Board have manipulated my paystubs with only one paystub having the name XXXX XXXX XXXX and all others having XXXX XXXX. Why did the California Tax Board take my refund for my XXXX tax year? Because they issued that one check with my full name that the IRS verified and they tapped into our conversation since my affiliation from XXXX XXXX XXXX was with the University XXXX XXXX the same University I am suing due to me being XXXX. Moreover, XXXX and Experian have also neglected to report my XXXX XXXX account the Department of Education has awarded me and that is in outstanding status under my verified legal name XXXX XXXX XXXX with the IRS and Social Security Administration, etc. Neglecting to report and delete credit profiles again and again is a violation of many laws but my equal protection is ripped to pieces. I have a letter dated XX/XX/XXXX from XXXX and I have the paystubs from XXXX and some other documents but some have been stolen by people that the IRS will remember. Tax evasion was a dismissed court case I submitted so I tried to protect my Americans and myself so don't try XXXX XXXX to me in anyway shape or form ever because when someone writes their name on the ballot and they're ballot is prevented from being counted that is fraud ; for governor.
Product: Credit reporting or other personal consumer reports

my name is XXXX XXXX, i have sent multiple complaints in regards to multiple accounts with the supporting documents to show XXXX XXXX XXXX XXXX - XXXX this account is in direct violation under the FCRA 15 U.S. Code 1681-2 - a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to beleive that the information is inaccurate. as shows in the supporting documents all three credit bureaus are showing inaccurate missed payments as well as ( account type and Date Last Active ) this account should state paid never late. 
XXXX XXXX account - XXXX this account is also inaccurate ( date last active, Date of last payment, date opened and account type ) are all inaccurate and are ina complete violation of the FCRA under 15 U.S. Code 1681-2 as well as 15 U.S. Code 1681 Section 604 ( a ) A consumer reporting agency can not furnish an account without my written consent. 
XXXX account XXXX XXXX this account has the following inaccuracies ( account type, date opened, high credit, credit limit, comments to my account without my consent, date last active and date of last payment showing no payments made ) this account is in direct violation under the FCRA 15 U.S. Code 1681-2 as well as 15 U.S. Code 1681 Section 604 ( a ) A consumer reporting agency can not furnish an account without my written consent. 15 USC 1681 section 602 which i have right to privacy. 15 USC 1681b -required under this law this title is to be mailed or delivered to the consumer not later than 21 days before the payment due date. i received nothing. i am a blocked caller to the customer care line in which this agency has been taking money out of my bank account this account is under violation FDCPA 15 U.S.C 1692e- which prohibits tge use of false, deceptive and or misleading representation in connection with the collection of debt. and is to be deleted from my credit report also under the FCRA all these account are under violation of my federal rights. under all codes named 623 ( a ) ( 1 ) ( a ), U.S.C 1681s-2 ( a ) ( 1 ) ( a ), 15 U.S.C 1681b.
Product: Money transfer, virtual currency, or money service

Amount : {$3000.00} is being held by COINBASE and the company will not respond to my request for support so that I can remove my funds and close my account with them.
Product: Checking or savings account

I use a company called XXXX XXXX that lets me borrow against my own pay from work. My bank isnt properly communicating with the company.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention a serious matter regarding inaccurate information on my credit report, specifically related to an alleged insurance policy with XXXX listed by Experian. Despite numerous attempts to resolve this issue with Experian, I am still being wrongly associated with an insurance policy that I never requested nor signed a contract for. Not only did I not own a personal vehicle during the stated period, but I had a company car, and there has been no lapse in my insurance coverage. Experian has validated this information without providing any proof, and it is adversely affecting my credit score. The involvement of XXXX XXXX, who has not responded to my inquiries or provided evidence of the alleged debt, adds further complexity to this situation. There is no possible way XXXX XXXX would have fronted me an insurance policy for an entire year and then turn me into a collection agency. On top of that, the stated vehicle listed they responded with, was sold the prior year. 
I firmly believe that such inaccuracies should not be allowed to tarnish my credit history without proper verification. I am reaching out to you for assistance in resolving this matter promptly. I have exhausted all avenues with Experian, and aside from considering legal action, Merely sending me a letter with a vehicle name and Experian just saying verified, proves nothing. I am seeking your intervention to rectify this issue and have the erroneous entry removed from my credit report. Your attention to this matter is greatly appreciated, and I look forward to a swift resolution.
Product: Debt collection

This is company is reporting my information and i do not have any contract with this company or sign any paper work with wet ink. I ask for validation and nothing was presented. This company is not respecting consumer laws. so below I am letting you know that your company have been very intrusive, YOUR COMPANY IS ON MY REPORT WITHOUT ANY PERMISSION ESPECIALLY WITHOUT A CONTRACT AND WET INK SIGNATURE, BY LAW YOUR NOT SUPPOSE TO REPORT ILLEGAL AND FRAUDULENT INFORMATION. THIS ACCOUNT IS NOT VALIDATED OR VERIFIABLE. REMOVE AND AND DELETE ALL INFORMATION WITH MY NAME/SSN # /BIRTHDAY YOU DO NOT HAVE MY CONSENT TO HAVE OR USED MY INFORMATION. I AM THE ORIGINAL CREDITOR ONLY I CAN VALIDATE THIS ALLEGED DEBT. 


Your company Violated all FDCPA/FCRA, FEDERAL and STATE Laws : 15 U.S. Code 1692e - False or misleading representations, 15 U.S. Code 1692f - Unfair practices, 15 U.S. Code 1692g - Validation of debts ( a ) ( 1-5 ) ( b ). 15 U.S. Code 1692j - Furnishing certain deceptive forms.

15 U.S. Code 1692c - Communication in connection with debt collection.

18 U.S. Code 1341 - Frauds and swindles 15 U.S. Code 1692h - Multiple debts 15 U.S. Code 1692j - Furnishing certain deceptive forms Rule 1002. Requirement of the Original Cease and desist validation of debt All collection activity must stop. Stop reporting to the reporting agencies.

Stop communicating.

Stop reporting My personal information. I did not give or ask your company to report my personal information.

Stop debt activity immediately.

15 usc 1692c, I didnt give your company the direct instruction to report this account or others to the agencies.

I refuse to pay a debt that I do not owe. Respectfully DETACHED all information to delete this account from all three credit profiles immediately. 


Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hereby dispute the current payment status and remark comment associated with my credit report for XXXX XXXX XXXX XXXX for a Credit Limit of {$9000.00}. The remark comment indicates " Payment after charge off/collection, '' and I believe that this information is inaccurate and does not reflect the true status of this account. 

The length of the placement in regard to my Payment History for Current Payment Status and Remark comment demonstrates that at all times the credit reporting agency and furnisher knowingly and recklessly violated the FCRA. 

I would like to clarify the following points : Payment History : Contrary to the remark comment, I want to emphasize that I have not made any payments on this account after it was Charged off or sent to Collections. Therefore, it is inaccurate to suggest that there have been any payments made in this regard to support a Current Payment Status as Charged off or sent to Collections.

Current Status : While this account may have had a Charge-off or Collection status in the past, it is essential to note that it has been resolved, and there is no outstanding balance or active Collection effort related to this account. This would make the Payment History for Current Payment Status and Remarks being reported as Charged off or sent to Collections inaccurate and false. 


Considering this information, I demand that my credit report be updated to report only accurate account information in regard to my Payment History for Current Payment Status and Remark comment. I respectfully request that you immediately investigate and rectify the Current Payment Status and Remark comment associated with this account. It is crucial that my credit report accurately reflects the status of my financial obligations, and the current Remark comment is not only misleading but is not being accurately reported as required by law and is detrimental to my creditworthiness. 


In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681s-2, I exercise my right to dispute any inaccurate information on my credit report. Please conduct a thorough investigation into this matter and provide a written response within 30 days, as required by law, informing me of the results of your investigation and any actions taken. 


Thank you for your prompt attention to this dispute. Failure to properly dispute this information pertaining to the Remark comment will result in a request to the IRS for a review of the missing 1099-C in support of Charge-off tax requirements. I anticipate the correction of the inaccurate current payment status remark comment on my credit report.
Product: Student loan

My IXD plan used to renew in XXXX and now it's due in XXXX. Regardless, Navient continually charges me MONTHS before the plan is due to renew, resulting in credit issues and more interest charged. This has happened for 5 years now and they never bother to stop. I also believe my loan should be eligible for forgiveness and should have been eligible for the student loan pause due to the pandemic, but it was not. I do not want any calls from Navient as I do not trust them, but I DO want them to fix my interest going back to the beginning of their ignoring the dated repayment is due.
Product: Debt collection

I paid a bill for an XXXX and now the collection agency is telling me that a 'MISSED ' payment was applied to " another account '' so I still owe them money. This is incorrect. They have either stolen a payment or misappropriated a payment. I set up over the phone a series of payments that paid off the entire balance in full. They cashed the first, third, fourth, etc.. payment and are saying that I did n't pay one of the payments. My bank statement documents the deduction to their account but they do n't want to acknowledge this.
Product: Credit reporting or other personal consumer reports

You are reporting inaccurate and incorrect information on my credit file. 
This information needs to be investigated, verified and correctly amended straight away and all erroneous item removed from my credit report XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND XXXX ARE IN VIOLATION OF THE ( FCRA ) AND ( HIPPA ) THEY HAVE INFORMATION ON MY CREDIT REPORT THAT IS NOT MINE. 
ITEMS NOT MINE : XXXX XXXX/NOT MINE XXXX -- XXXX XXXX XXXX/NOT MINE XXXX XXXX XXXX XXXX/XXXX/NOT MINE XXXX -- XXXX XXXX/NOT MINE XXXX -- XXXX/NOT MINE XXXX -- XXXX XXXX  XXXX/NOT MINE XXXX -- XXXX   XXXX XXXX/NOT MINE XXXX -- XXXX/XXXX/NOT MINE XXXX -- XXXX/XXXX/NOT MINE XXXX -- XXXX/XXXX/NOT MINE XXXX -- XXXX XXXX XXXX/XXXX XXXX -- U.S. DEPARTMENT OF EDUCATIOND/XXXX XXXX XXXX -- US DEPT OF ED/XXXX/NOT MINE
Product: Mortgage

I was offered a permanent Home Affordable loan modification by XXXX XXXX XXXX, the lender on my XXXX mortgage. I signed the modification agreement and I made a payment of {$250.00} demanded as a subordination fee by Chase, the servicer on my XXXX mortgage. Chase is now refusing to subordinate. This will cause me not only to lose the loan modification on my XXXX mortgage, but will also prevent me from obtaining a HAMP 2MP loan modification on my XXXX mortgage. 

A Chase representative recently called me and told me that I would " be out on the street '' if I did not agree to pay a lump sum to satisfy my XXXX mortgage immediately. I am entitled to a loan modification under the HAMP 2MP. Chase is denying me the loan modification to which I am entitled.
Product: Credit reporting

I had a credit card with XXXX in XX/XX/XXXX and was recalled to XXXX as a XXXX, I requested the SCRA 6 % APR on the XXXX Visa account balance of {$5100.00} and a 34.99 % APR, I also tried to cancel the Credit Card Protection Plan that I had been paying for, because it was n't going to cover my payment protection while I was on XXXX and it was causing my account balance to stay over my limit each month. The XXXX Visa account was closed in XX/XX/XXXX, but the CCPlan continued to be charged to my account, as well as the 34 % APR until XX/XX/XXXX and once XX/XX/XXXX Applied the SCRA provisions to the XXXX visa account, and adjusted the balance for the interest in XX/XX/XXXX, the never refunded the Credit Card Protection Fees Charged and it was well over {$1500.00}. I paid off the balance on the XXXX account, but disputed {$900.00} for the CCPlan. I XXXX to XXXX in XX/XX/XXXX and when I returned the credit card account number reported was changed to a number I was never able to get the last four numbers for. I had disputed the account on XX/XX/XXXX with Trans Union and it was removed. I filed a law suit for SCRA violations and never able to filed the complete 3rd credit card number in the Complaint, I had to deploy during the case proceedings and it was dismissed. I was XXXX in XXXX in XXXX and my Clearance was Adjudicated and the XXXX Visa account was reported as the {$910.00} being Charged off, but it was the same number that was n't my account, and the POC wanted to know if XXXX has paid me or had been attempting to pay me. As I said, the disputed amount was for charges that the CFPB had Settled in a Consent Order in XX/XX/XXXX, and a check had been sent under the last four numbers of the account, but I never knew it was about my credit card until now. I wanted to see why XXXX has continued to report my XXXX Visa account as Charged off when they paid me more then the amount claimed were charged off under the credit card account number being reported with all XXXX Major Credit Reporting Agencies? I 'll provided the account documents to verify that my account was apart of the CFPB case in XXXX, and the credit card account is effecting my ability to continue my work currently. But I do want to THANK the CFPB for doing so much to fix a failing system, you have been hope for a lot of Servicemembers who had given up. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact the credit bureaus and creditors in reference to inaccurate information on my credit report