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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( 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 payment was reported 15 days late, even though I made the payment on time, and this is documented in my bank statements.

There were clerical errors where my account was inaccurately flagged as overdue, but I provided evidence that no late payment was made, as shown in the attached payment confirmations. 
The inconsistency of payment dates across credit bureaus further demonstrates the inaccuracy and improper reporting of this account status. 
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 attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
NAME : XXXX LAST NAME : XXXX XXXX XXXX : XXXX SECURITY FREEZE
Product: Mortgage

This account has been closed for about a year. However, it is still showing on my credit report, which is negatively affecting my credit because it is still reporting information related to the loan and I no longer have this account. The account should no longer be seen on my credit report. The company sold my mortgage to another company without my permission.
Product: Credit card or prepaid card

I am writing to file a complaint to Citi credit card ( ending in XXXX ). They closed my account out of a sudden without any meaningful reason. I used the card from time to time for grocery, for {$10.00} to XXXX each month, and always make payments on time without any issues. However, right after I paid the annual card fee {$95.00} for the new year starting from XX/XX/2023, they closed it right after. They not only stole my card fee, but also took all my rewards points ( around XXXX points ) that I accumulated from shopping. 
This is something I never expected to experience for a big bank like Citi. And I have called them multiple times and they never offered any help.
Product: Credit reporting or other personal consumer reports

This is XXXX of my many attempts to inform the XXXX credit bureaus that I am an identity theft victim and that certain data in my paperwork appear to be the result of improper behavior. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Remove any notable information regarding any claimed fraud or extortion from my credit record, assuming that no one will care. 
XXXX XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX
Product: Mortgage

Hello my father and I are looking to refinance our single family primary residence. Doing a simple conventional rate and term loan. We have excellent credit and qualify. The process has taken almost 5 months. This company is having a hard time closing a simple loan. This is happening to so many people. No one is doing anything about it. This is dwelling and draining. They keep promising to close every week and never do. This is a shame. It costed us money and energy! attached are the emails i have sent to the company attaching the ceo and leadership to the email and no one did anything about it. 


Hello team, My father and I have submitted a loan application mid XXXX. Both of us have credit scores over XXXX. Refinancing a primary residence, simple rate and term. Plenty of equity in the home. All documents and stipulations were submitted within the week. Appraisal was done 1 month later. Fast forward we are Going on almost 4 months. During the loan process the loan processor was changed 3 times and our file has been kicked around. The process has not been transparent at all. Everytime I reach out, someone says they are going to check on the loan and no one ever gets back. Its getting ridiculous. I was a mortgage banker for over 2 years at loan depots biggest competitor and not one of my clients ever went through this. To be # 1 you also have to consider the client experience. 


Hello to whom it may concern, My father and I are refinancing our primary residence It has been in process for 4 months. I have attached a image of an email i sent on XX/XX/XXXX to touch base and see where our loan stands. Its XX/XX/XXXX. I tried reaching out to several team members involved in the loan process and no one has reached back out. The process has been a horrible experience. The process is not transparent. We keep going in circles. Our loan is a simple loan that is rate and term, plenty of equity in the property, my father and i both have excellent credit. The point of this email is to get a loan closing date or unfortunately we will withdrawl our application and go with XXXX XXXX. ( As simple as push button get mortgage and close within 30 days ). Please understand where i am coming from. The reason i attached leadership of the company on this email is to make them aware of my situation. This is unacceptable. No one looking to get a loan should go through what i have been through! 

Thank you kindly and respectfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THESE ITEMS THEY HAVE NOT REMOVED THEM YET
Product: Credit reporting or other personal consumer reports

MY NAME : XXXX XXXX XXXX. 
I AM A VICTIM OF IDENTITY THEFT AND FRAUD. 
ALL CREDIT BUREAUS HAVE HAD DATA BREACHES, AND ALL ( cra 's ) ARE CORRUPT WITH HACKERS AND SCAMMERS. 
ALL CRA 'S HAVE VIOLALTED THE PRIVACY ACT = IS IDENTITY THEFT AND FRAUD AND FAKE CREDIT REPORTS WITH FAKE ACCOUNTS, FAKE SOFT INQUIRIES BY CAPITAL ONE SCAMMERS. 
DELETE ALL FAKE NAMES, DELETE FAKE PHONE NUMBER XXXX & DELETE ALL INFO & DELETE FAKE XXXX XXXX XXXX IS NOT MINE XXXX AND XXXX FOR ALL CRA 'S ARE MISUSING MY SOCIAL SECURITY NUMBER IS A VIOALTION OF The Privacy Act.

POLICE REPORTS ATTACHED.

BLOCK FCRA 605B ALL MY CREDIT REPORTS FCRA 605B & Delete all soft inquiries ARE NOTPERMISSABLE WITHOUT MY PERMISSION.
Product: Mortgage

The servicer refuses to review me for a loan modification due to my arrears bei ng three years pas t due. I have increased income for which I can afford to make my payments and the servicer is foreclosing on the property on  XXXX / XXXX /  XXXX  . Today  XXXX / XXXX /  XXXX   I attempted to ask the servicer to review me for a modification and I was told that they can not because I am 3 years past due and I am not in the military.
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, 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 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: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not apply with the error resolution requirements under the electronic fund transfer act ( EFTA ) & regulations E. These actions have caused significant inconvenience and a financial loss, & I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Checked my scores which made the scores drop, paying off my credit cards also making my scores drop, having my information and scores be sent illegally to other companies without my consent.
Product: Credit reporting or other personal consumer reports

upon viewing my equifax report i notice that there is an account appearing from XXXX XXXX XXXX XXXX listing me as an authorize user on my credit report .this information is inaccurate and appears to be fraud and id theft. as i have never gave any one permission to add me to a credit card as an authorize user this information is in violation of the fair credit reporting act 15 U.S.C 168i and incomplete
Product: Debt collection

I have no clue why I owe money to this medical company and debt collector. If i do, I have no clue how to pay it off because I do n't know where it came from. If you could help me dispute this or at least help me find a way to pay it off so I can finally get it off my credit report.
Product: Checking or savings account

On or about XX/XX/2020 my accounts with Chase Bank was frozen. I have six accounts at Chase which one of the accounts is a custodial account. I awaited to hear from Chase whether it be by mail, email or phone to no avail I did not receive any sort of commuication from Chase regarding the hold on my account. On XX/XX/2020 I contacted my private client representative and left a message for XXXX last name unknown. On XX/XX/XXXX XXXX contacted me I explained to her that my account was frozen and have not been given any reason as to why it was on hold. XXXX advise she will look and investigate the matter further as she was not able to see any notes on my file as to why the accounts were being held. 
On or about XX/XX/2020 I made a visit at the branch located at XXXX XXXX, XX/XX/XXXX New York. XXXX attempted to contact the back office and was not provided any information as to why my account was on hold. XXXX and I contacted the back office again that day and still was not provided any information as to why my accounts were on hold. I requested to be transferred to the executive office, the executive office opened a ticket and advised they would look into this matter further. 
On or about XX/XX/2020 I received a call from a gentlemen XXXX XXXX or XXXX XXXX from the executive office acknowledging receipt of my call and was told they are working on looking into my account being held. On XX/XX/XXXX I received another call from the executive office and was told he was not able to do anything for me nor had any information as to why my accounts were on hold. 
Here we are XX/XX/2020 I have not heard anything from Chase at the very least a letter or anything. If in fact a lien was placed on my bank accounts, I do have the right to contest its validity. Furthermore Custodial accounts that are true custodial accounts can not be levied for debts of the custodian. I am requesting a full investigation as to why my accounts are being held, I have no issue with Chase conducting their due diligence however, I do need some sort of resolution as to when this will be complete.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( CAPITAL XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Mortgage

Boa se

nt a 30-Day late payment to the credit bureau during the pandemic. I paid off my mortgage making the last and final payment. The 30-Day remark should be immediately removed from credit report. This voilates the cares act.
Product: Debt collection

I sold tickets and used paypal goods and services for payment. Weeks after the event, I received notification that the buyer disputed the transaction and I was informed I needed to provide proof that the buyer received the tickets. I sent the text conversation before, during and after the buyer received the tickets. I also included the email confirmation from the XXXX XXXX XXXX that the buyer received the tickets. A few weeks later I was told they favored with the buyer and because the dispute was opened through his credit card company and not paypal there was nothing they could do. They took {$1200.00} dollars from me, thus making my paypal account negative. I have reached out several times and just get the run around or basically told I am XXXX. Now I receive calls every hour asking how I'm going to resolve the issue. I have told them I am still trying to work with Paypal in which they ignore me. I have asked them to not call me, in which they ignore me. They have threatened that they are going to mark me as refusal to pay and that this will impact my credit and that they are going to close my account. I did nothing wrong to begin with, so to get calls every hour is ridiculous. They could not help me when I need something from them, but now they need something from me and are calling me every hour.
Product: Credit reporting or other personal consumer reports

My report is showing accounts that belong to someone else, which is unfairly impacting my credit score. I am frustrated after filing complaints with no response or resolution
Product: Credit card or prepaid card

Some time on or around XX/XX/XXXX-XX/XX/XXXX ( I don't know the exact date ) I attempted to call Transworld Systems who was put in charge of collecting a credit card debt for a XXXX XXXX XXXX that I had obtained back in XXXX. The card was originally under a chapter XXXX bankruptcy which had gotten dismissed. So this reopened the debt I owed along with almost {$5000.00} world of intrested to the card limit which was only about $ XXXX {$3400.00}. When I originally called, I'd call to settle the debt for the amount of the card that was used which was around the amount of {$3400.00}. With the job that I have, this amount was manageable for me to get paid in a considerable time. Transworld came back with counter offer with almost {$5500.00} in which they told me I'd have to pay in a month. I agreed to this because they would not offer me any else and made me feel like I had no other choice but to pay this amount. I was able to make a payment of {$500.00} on XXXX XX/XX/XXXX, but was told that I only had a few days to come up with the rest. I told them that this would be impossible for me to do, but they insisted that I figure it out. I'd call and ask for an extension, they would not extend this un reasonable amount for more that 65 days. I don't even get paid {$5500.00} in a month and I have a household to maintain. The last representative who I spoke with whose name was not willing to work with me or come down on the settlement even as I left messages and pleaded with her to work with my situation. I also explained that I was trying to buy a home for my family, but she did not seem to care about anything regarding my goals She also exclaimed that I would not be eligible for another settlement offer for another 6 months if I didn't pay the remaining balance of the settlement and they I was not allowed to put in for a settlement around tax season so that I would not have an opportunity to pay the account of using any tax refunds which is terrible. I would like to negotiate a better settlement that would allow me to pay the amount that I used on the card which was around {$3400.00}. I had already paid {$500.00} into the settlement amount and would like that amount added. Their practices are unfair and deceptive does not benefit me and put me in more of a financial bind.
Product: Credit reporting, credit repair services, or other personal consumer reports

After my identity been compromised I've noticed accounts on my credit file inwhich i have absolutely no knowledge of, I'm asking that these accounts be removed and blocked from my credit file immediately. 

1 ) XXXX XXXX XXXX {$300.00} 2 ) XXXX XXXX {$65.00} 3 ) XXXX  XXXX XXXX {$160.00} 4 ) XXXXr XXXX XXXX {$400.00} 5 ) XXXX XXXX  XXXX {$51000.00} 6 ) XXXX XXXX XXXX XXXX XXXX   {$30000.00} Please provide me with physical documentation of these accounts, or remove them.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Debt collection

15 USC 1681 ( a ) ( 4 ) Infringed upon a consumer 's right to privacy. A consumer has a right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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.

They also violated my rights under 15 USC 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they received my disputes.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, consumer and natural person who is a victim of identity theft. XXXX, Experian, and XXXX had used and furnished my consumer report without my authorization consent or written instruction. My information was shared to nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy which XXXX, Experian, and XXXX has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I enclosed all documents social, ID, and statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX