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 Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian 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 : Reason for Dispute : I made my payment on time, but due to a processing delay, it was not credited to my account until after the due date. I have included bank statements that confirm the payment was made before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I found errors on my credit report concerning 15 USC 16c-2. The inquiries listed were not authorized by me and are impacting my credit. I found errors on my credit report concerning 15 USC 16c-2. The inquiries listed were not authorized by me and are impacting my credit. Please eliminate all unauthorized hard inquiries. Thank you!
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 Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian 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, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Acima has violated my FCRA rights with there inaccurate and/or inconsistent reporting. Upon viewing my credit reports I noticed ACIMA CREDIT XXXX XXXX had a discrepancy in the " payment history '', " date of last payment '' and " payment status '' section of the listings. XX/XX/XXXX is reporting a '' payment status '' of '' unknown '' yet in my payment history for whatever reason this item is reflecting as a charged off account. XX/XX/XXXXis also reporting a " date of last payment '' of " XX/XX/XXXX '' but in my pay history it reflects on time payment for the months of XX/XX/XXXX and XX/XX/XXXX however for the month of XX/XX/XXXX its reflecting as a charged off account. How can I be " on time '' and '' charged off '' at the same time? Im sure you can see my confusion on this matter Correct? XX/XX/XXXXis reporting my " payment history '' as a whole in a matter that's inconsistent. If it was intended for this item to be collections/charge-off then no payment history at all should be reflected. If this is the same account, reported by the same creditor how are these numbers and dates so inconsistent?
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed had i had XXXX late payments on an account that I was never late for. The 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 accounts that i have provided proof with statements showing that this account does not belong to me. I have attempted to have this them remove this account that is not mine and requested documentation proving that it belongs to me I requested this multiple times and i am yet to receive any documentation or proof it belongs to me. They are required to have this removed and if the documents and response are within XXXX days this has been over XXXX months and still have conflicting information and have not provided proof this belongs to me. I am contacting a lawyer to represent me if this is not addressed, and account is removed from my credit report for emotional distress and punitive damages due to not being able to purchase my home from this false account I never took out. I have never conducted any business nor paid anything to this company.
Product: Credit card

As of the present moment, my card holds a negative balance of - {$470.00}. Despite two requests made to Bank of America for a refund, they have yet to process it. It has now been over a month, and I am experiencing considerable difficulty in retrieving my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  of 2016, there were  XXXX  credit inquiries to my credit report that I did not authorize.
 XXXX / XXXX /2016-  XXXX   XXXX    XXXX / XXXX 2016- XXXX   XXXX / XXXX /2016-  XXXX   XXXX    XXXX  XXXX /2016- XXXX
Product: Student loan

I am on a graduated repayment plan. I have been making payments as required for years and my balance seems to not be moving much. I recently began submitting larger payments to pay down the loan faster. I was reviewing my statement and noticed interest was still accruing despite my larger payment being enough to cover not only the billing period interest but also some principal. After further research, I noticed that even my minimum payment in accordance with the payment plan was enough to cover the billing cycle interest plus some principal. This is not what is happening. Your corrupt organization, Nelnet, is only putting money towards one of the two loans while accruing and capitalizing interest on the other loan, which happens to be the larger loan. HOW IS THIS LEGAL? Both loans fall under the same account. HOW IS THIS HAPPENING? I contacted Nelnet with questions and requested they respond via email because I want documentation of our communications. They are REFUSING to provide me with an explanation, which makes me even more suspect of their behavior. This is unacceptable.
Product: Mortgage

Please consider this correspondence  to be formal notice that your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The loss  mitigation package was provided to your office on  XXXX / XXXX / 2017  - On  XXXX   XXXX  we left a message for the lender requesting an update to the review - And again on  XXXX   XXXX  - On  XXXX   XXXX  we were able to get in contact with  XXXX  ID #  XXXX  - We were advised by  XXXX  of the docs needed for the review - he advised that if the missing items could be provided the same day that he would enter a request for the FC to be postponed. this has not been done and we are requesting a postponement of the FC for the review to be completed.
Product: Credit card

I called Discover Bank on XX/XX/year> in regards to obtaining a balance letter and mid cycle update for my credit card account after I paid my account down to {$250.00}. I was told by a representative that once my payments processed, I would be able to have those documents emailed to my email immediately. Once my payments posted and processed on XX/XX/year>, I called Discover back and I was told that the email with the documents that I requested would take about 24-48 hours to be sent to my email. I need these documents to send to my mortgage agency as I am in the process of purchasing a home and the closing date is close so this matter is urgent. It doesn't make sense that sending an email with documents containing my information would take so long to send. Discover needs to change its policy to where the company actually handles their customers urgent matters swiftly and efficiently. It seems as though everyone that works for Discover is reading a script and they make it hard for their customers to get in contact with people in the company that can effectively and promptly handle such matters. If a customer is requesting their OWN information then it shouldn't be a problem to send them the requested information in seconds. I feel as though i may have been discriminated against due to my race as I am a XXXX man. I am extremely disappointed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for many credit cards with credit karma after seeing my percentage of approval being quite high, and still got denied. That has negatively impacted my credit as Im trying to rebuild it. Its been on several occasions I was told my percentage was high of getting approved, then I was denied.
Product: Credit reporting or other personal consumer reports

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - CFPB DELETE Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Please ensure that all information is accurate Account Name : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act these accounts have violated my rights. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Checking or savings account

On XX/XX/XXXX, I received a series of emails from Bank of America stating that a checking account had been opened in my name without my permission. I contacted the bank and had the account closed and filed a report of identity theft with FTC. During this process, it was recommended to me to place a security freeze with XXXX to prevent this from occurring again. On XX/XX/XXXX, I received another set of emails indicating another account had been opened in my name. I contacted the bank again and had the account closed and they recommended I place a security freeze with XXXX. However, the previous freeze I placed with XXXX was already in place. Per the text on their website " A security freeze is designed to prevent approval of checking, savings, credit accounts, loans, or other services from being approved in your name without your consent ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Motor Vehicle Record background check performed by Accurate Background on XX/XX/XXXX for a promotion I am in line to receive at XXXX. During the check my license was suspended due to a clerical mistake by the Department of Public Safety. I had paid a surcharge off in full but they showed that I still owed {$21.00}. This was due to a discrepancy with a " convenience fee '' when paying online and was of no fault of my own since I had paid the total amount owed. The MVR background check came back showing that my licence was suspended even though I had contacted DPS and had the problem corrected. My license is current and valid now and I want the MVR background to reflect this.
Product: Other financial service

Back in XX/XX/2016 I was doing so research on student loan forgiveness. After a couple of calls and XXXX searches I was contacted by Equitable Acceptance Cooperation. I was told the Obama had passed this law and the student loans that I was paying back were not supposed to be that high. I was told that this company would get my student loans consolidated and it would be better for my credit and lower my monthly bill. This sounded great to me. This company told me that I would have to pay a fee for the service that would be broken up into monthly payments and then I would also have a new student loan payment plan. I unfortunately agreed to this as I thought it was a legit. After a few months I have been paying both my fee to Equitable Acceptance Cooperation and to XXXX. I contacted XXXX with some questions and they advised me that this was a scam and to report it to the Federal Trade Commission. Equitable Acceptance has put a hard inquiry against my credit and debt on my credit report.
Product: Money transfer, virtual currency, or money service

I sent online wire transfer {$2000.00} from my account, my account was showing " pending '' status and I have a screen shot. I could not cancel wire online so I called in to wire department and requested to cancel. Agent stated they would cancel it for me, I relied on it. However bank allowed wire to go through and since receivers account was closed funds were returned back in a few days in the amount of {$1900.00}. I requested Chase to reimburse me missing {$100.00} and Chased refused since " the receiving bank charged the fee '' If Chase would stop the wire I would not lose {$100.00}. 

Also if this were in instance a scam I would lose all the money. 

Chase practices are unsafe and unreliable.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zell 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zell failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I started disputing with the bureaus on XX/XX/2021 ; there have been multiple accounts reporting inaccurately that I have been trying to get removed and repaired. Since the bureaus didn't send me anything within the 30-45 days, I sent another dispute on XX/XX/2021 and still haven't received anything. So now I am filing this complaint but the lack of responses from the bureaus is getting very frustrating and delaying the process for me on other items!
Product: Credit reporting or other personal consumer reports

RE XXXX all credit bureaus for data purposes ( and legal ) for the following regarding the handling of my credit files. 

XXXX ) XXXX, XXXX and Transunion accepted information from unreliable furnishers : they all accepted information from furnishers that are not providing reliable, verifiable information about me Transunion - XXXX XXXX auto - should be deleted. 
XXXX XXXX XXXX not late in XXXX of XXXX. 
XXXX should be deleted. 
XXXX XXXX XXXX XXXXXXXX was not late CSI - delete ( do not have a loan or financial obligation ) XXXX XXXX XXXX XXXX- not late in XXXX of XXXX. 
XXXX XXXX XXXX XXXX  was not late CSI - delete ( do not have a loan or financial obligation ) And XX/XX/XXXX knocked my credit down XXXX points for a late payment that does not exist. 

XXXX XXXX XXXX XXXX not late in XXXX of XXXX. 
XXXX XXXX XXXX XXXX was not late XXXX  - delete ( do not have a loan or financial obligation ) XXXX ) TransUnion XXXX to include information from XXXX XXXX XXXX XXXX failed to respond to all or nearly all disputes that issued the same responses to all disputes.DUPLICATE CLOSED. 

XXXX ) XXXX, TransUnion and XXXX maintained information on my report as a consumer reporting to companies what was knowingly false : XXXX XXXX XXXX XXXX Creating a mixed member file block. Wrong name still posted ( XXXX ) and wrong data ( capital XXXX files ). Preventing an accurate financial picture. 

XXXX ) TransUnion allowed XXXX XXXX auto loan furnishers to continued to share incomplete or inaccurate information for several years after learning the information was false, incomplete, or inaccurate. XXXX XXXX XXXX provided information even after they determined the information was listing incorrectly. This was verifiable with the original dealership that this trade should be deleted. 
XXXX ) XXXX, TransUnion and XXXX did not follow requirements for the disputed investigations and continued to furnish information listed above that I have repeatedly disputed by failing to conduct investigations into the accuracy of information. Instead all Bureaus have put blocks in place preventing me online report access to continue to dispute enabling delay and access from supporting agencies. The XXXX Credit report website has also been blocked for all bureaus. 
XXXX XXXX department continues to ignore the requested access and their department continues to send documents denying access electronically since XX/XX/XXXX despite providing documents, court orders, drivers license and birth certificates authentication as XXXX XXXX.
Product: Debt collection

Yesterday Capio Partners called my husband to discuss my debt. They told them when the debt occurred, XXXX  XXXX, and how much was owed. I was not aware of this, and my husband should not be called about this.
Product: Checking or savings account

I opened and funded a Citi checking account back to XX/XX/2018. 
The promotion I opened account with is " get XXXX $ cash bonus after maintain XXXX in account for 60 days ''. I completed required activity in early XXXX, 2018. So I should get cash bonus early XXXX, but I didn't. 

I contacted Citi about this and opened a case on XX/XX/2018. I called Citi twice on XX/XX/XXXX and XX/XX/XXXX to check case status, but there is no any update on it. 

I hope CFPB can help me solve this dispute issue. Thanks
Product: Money transfer, virtual currency, or money service

Cashapp failed to take timely and affective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution and process was unfair and deceptive, and they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Causing significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my credit today XX/XX/2019 and saw that XXXX has not deleted the account.
Product: Credit card

Its with the XXXX  I have been borrowing money from them for about XXXX years now all my accounts have been paid off perfectly no late payments. Nothing this XXXX virtual card is for a certain merchandise merchant only yet it was used for some other merchants that I dont even know I didnt even know what the letter stood for. I provided a copy of the police report where my phone was stolen and they didnt accept it. I also provided it to EXPERIENCE and they came back at me with needing every single piece of identifying information I could give them copies of license Social Security card, birth certificate, bills Im not sending all that through the mail or through the Internet no way so here I sit with no no resolve no help nothing everything thats asked of me it cant be done. Im not paying for purchases. I did not make and Ive shown proof and they dont wan na accept it so I showed it to XXXX. They dont wan na accept it. Come back at me with how do we know that makes the XXXX  XXXX? How do we know that thats from the police department come on? What am I gon na do fabricate emails ive given them everything and theyre all again. Theyre both against me both both companies XXXX  and Affirm and Im not the one in the wrong so they have charged it off which is gon na go as a bad thing against my credit but ask them that I continue to pay the other XXXX on time every month even while this is all going on that should tell you something blows my mind. XXXX needs a copy of this too. And his event occurred sometime in XXXX XXXX, which is right after I moved in my phone was stolen.