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 XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX 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 : The payment was made on time, but due to a clerical error on the part of the creditor, it was recorded late. I have attached bank statements that confirm the payment was withdrawn from my account before the due date. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX is reporting inaccurate information about balances that I do not have. The following information is being reported and is inaccurate, {$2700.00} balance that includes but not limited to {$1100.00} reletting charge, {$810.00} carpet replacement, {$85.00} cleaning fee, as well as a {$75.00} late fee and additional interest when I do not have a contract with the collection agency in order to charge interest nor do I have an open account with them. I gave notice upon moving out so the reletting charge is invalid, carpet had no major stains or damages normal wear and tear and the tenant can not be charged full carpet replacement for normal wear and tear. I was not given a billing statement until after move out so I was unaware of amount to be paid in which I requested for amount and was not given a correct statement until I received a collection letter, therefore I will not pay a late fee for an error I did not cause. I have sent pictures and videos of the move out report proving no damages and the apartment was left in much better condition than when I moved in. This company has refused to do whats right for a XXXX and it affects me. I want a resolution as soon as possible as I have been fighting this for 2 years.
Product: Credit reporting or other personal consumer reports

I have previously disputed the bankruptcy that is listed under judgments on my credit report. This is was by the United States bankruptcy XXXX XXXX XXXX XXXX North Carolina. XXXX, Equifax, and XXXX in response verified that the item as accurate, stating that they have verified information with the Courts. I have contacted the court and their response is Enclosed. It is clear they do not report to any of the reporting agency so the original response was an error or a lie. Earthier way the reporting requirements don't comply with the FCRA sub section 611 15 U.S.C. sub section 1681 and the information must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed in XXXX that my score was raised by at least 40 points. There has been no changes in my behavior. No new credit. No application for credit. However, 30 days later, my score has now dropped those points. Amazingly, the increase from XXXX to XXXX was in conjunction with a new law being placed ; whereas all reports were to rise. Here it is XXXX and they have now dropped my scores back to the original number shown in XXXX. This is clearly a manipulation on behalf of these reporting agencies. I have also contacted XXXX regarding " hard inquiries ''. I received a reply stating that there was nothing that I could do and those inquiries would be in place for 2 years. These are inquiries that I did not make. Again, these agencies are destroying and manipulating individuals existence.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Vehicle loan or lease

Loan amount on  XXXX   XXXX   Loan  amount on  XXXX  {$10000.00} total paid towards principal {$2200.00} total paid towards interest {$5400.00} in alm ost 2 yrs   and that 's with {$420.00} a month payments. To date I have paid {$8600.00} on this car.     Some of my payments went towards interest only, see attached itemized photo of my charges. I was trying to get my credit up and they are doing nothing but bringing it down! I was told that i could change the payment date to the date i needed and then it was changed to a date that is not good for me so i tried to change it back to original date and they wont. I am now always 3 days behind since they refuse to change my payment date to the  XXXX  and from the  XXXX !!!! They charge a $  7+ charge a d aily in addition to your APR in addition not just a late fee and that accrues interest of course.       I had a late payment and was trying to give them a credit card for a future dated payment that is 3 days past the day they want it and they refuse to work with me. Calls daily threatening to reposes for a {$130.00} late payment. They are rude and unwilling to help even 2 years in my loan.     You do the math this place is meant to milk you and steal from you. I 'm sure if they let me get to the end of the loan they will just find a way to reposes! ALL THEY WILL DO IS SAY TRY AND GET REFINANCED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting a collection/chargeoff, or that I am ( XXXX ) days late, on the US DEPT ED partial account numbers XXXX. ( Please see pages attached from my credit report. ) These accounts are reporting a {$0.00} balance and {$0.00} due. I have paid these accounts IN FULL and therefore there is no outstanding balance to report as a collection/charge and/or late. Please keep in mind it would be impossible to be late on an account with a {$0.00} balance. This false reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report and these line items need to either be removed and/or updated to report correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed on XX/XX/XXXXXXXX  a late payment that is currently listed on my Equifax credit report, and after their investigation They did not remove this inaccuracy from my credit report. I believe this disputed information with the agency was not properly investigated. The information remains on my credit report and continues to negatively impact my credit score. The late payment in question appears on my credit report under my name. The payment was due on XX/XX/XXXX and I made the payment in full on XX/XX/XXXX. However, it was reported as being more than 60 days late. I believe this information is inaccurate and unfairly reflects on my creditworthiness. The continued listing of this late payment despite previous investigation suggests that Their procedures have not been adequate in this case. I have attached any relevant documentation that supports my claim. Such my bank statement of full payment in time to XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), and 15 U.S. Code 1666 you are required to maintain reasonable procedures to ensure the accuracy of the information in my credit report and I have the right to dispute the accuracy of any information in my credit report that I believe to be incorrect.. However, the continued listing of this late payment despite previous investigation suggests that your procedures have not been adequate in this case.
Product: Credit reporting

I am requesting with this written notice that the following inaccurate XXXX XXXX XXXX item be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. I have sent previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to remove them. If this final request does not prompt you to conduct to removal of the account and send proof to me of said investigation or removal, I will file a civil suit in XXXX KY for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.
Product: Debt collection

Remove the fraudulent accounts from my credit report now! Other bureaus fixed it, and the creditors agreed, but yours is causing damage to my credit. Investigate and fix it immediately, or I'll take legal action. Give me written confirmation once it's done no delays! XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove.
Product: Debt collection

I had a judgement against me in XX/XX/XXXX from a auto loan. They repo 'd the car and still want paid the entire price of the loan and int. They also did not bother to show to court for the judgement, but the judge apparently stood in for them. As of Wednesday XX/XX/XXXX my checking and savings accts were froze. The funds of {$3100.00} that were in my savings, were part of a federal student loan refund that I have proof of day of deposit and a financial aid statement. The bank refuses to lift the freeze. Please point me in the right direction please. I am attending school and working part time and losing those funds would and are causing financial distress. Thank you
Product: Credit card or prepaid card

I received the following email in my spam folder on XX/XX/XXXX : From : " American Epress '' XXXX [ Add to Address Book ] To : " XXXX XXXX '' XXXX Subject : A recent charge attempt requires your attention Date : XX/XX/XXXX XXXX PM Your card has been blocked We've blocked your card to protect your security, we are writing to confirm some recent activity on your account. 



Here 's what you can do next : Go to amerlcanexpres.comXXXX have your card handy and submit the completed form to us to activate your card instantly.. 



American Express Customer Care Privacy Statement | Update Your Email Your account information is included above to help you recognize this as a customer care e-mail from American Express. To learn more about e-mail security or report a suspicious e-mail, please visit us at americanexpress.com/phishing. We kindly ask you not to reply to this e-mail but instead contact us via Customer Care. 



XXXX American Express. All rights reserved. 



XXXX I have not held an American Express card for XXXX years and it was a business card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 I called XXXX XXXX XXXX because I have a critter in my attic. They came and tried to get rid of it. They were here a few times. Still critter is up there. They said that they can XXXX all the insulation out and I could get new rodent deterent insulation to go in. So I signed the paper work and they financed it through Green sky. On the fourth visit they said that the truck was on its way but it broke down on the road. I told them that they are not going to put in any insulation till they do what they were hired to do and that was get rid of the critter. The manager came over and went up in the attic and said he didn't see anything, but yet it is still up there. I asked him to refund Greensky since they already got the {$5000.00}, because I was not letting the insulate anything since they did not do the job they were hired to do. He said he was not going to refund their money and I needed to let them come put the insulation in. I told him they did not do what they were supposed to do. I went up in the attic and all I saw was them getting ready for the insulation and a smashed A/C duct that went to my A/C. I had that repaired at {$600.00} but they never refunded Greensky and my credit keeps going down and down. 

Mind you this was in XXXX and since then I have sent back all bills to Greensky. On my credit report it says I made a few payments, which I did not, and I had a few disputes started with them to no avail. Then I get a letter from Greensky stating that my account is paid in full and thanks for using them bla bla bla, and they are sending me bills and calling my home every week. Services were not rendered and they are killing my and my husbands credit. I also lodged a complaint with the XXXX and Federal Trade Commission.
Product: Debt collection

Medicredit is a 3rd party debt collector and therefore falls under the Debt Collections Practices Act. They called me and left a message in my voicemail, which is easily accessed by the people in my life who are not my spouse, and stated that the communication was from a debt collector and who they were collecting for, not knowing who might hear the message besides me, so they violated my right to privacy regarding my debt.
Product: Credit reporting or other personal consumer reports

In an attempt to access my credit account with Equifax on XX/XX/XXXX I tried to login in but none of my credentials were correct according to their website. I then tried to reset my password but was met with a message stating there was an error with processing my request, and then tried to create a new account but was told that I already had an account with my information. After trying the website I decided to call the helpline at XXXX ( XXXX ) XXXX and also at XXXX ( XXXX ) XXXX, both of which were the same exact automated menu. Upon giving my personal information, the automated voice on the line said that my information is incorrect. I proceeded to repeat these actions again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with the same result. Additionally on XX/XX/XXXX I attempted to reach out to a real representative of Equifax over the phone but was again met with the same automated menu.
Product: Mortgage

My loan was acquired XX/XX/XXXX by Gregory Funding LLC. Even after receiving Letter of Authorization from my Bankruptcy Attorney ( XXXX XXXX ), The servicer has failed to provide me with detailed information regarding my loan- making it unclear where I stand. After excessive hold times and an escalated call back from a Bankruptcy Representative today, the servicer stated that they are unable to provide me with these two basic requests : -What months am I currently due for? ( In other words, if I make a payment today to your company OUTSIDE OF MY BANKRUPTCY AGREEMENT/POST PETITION PAYMENTS what month will my payment be applied to ) -What is the total delinquency amount? 

The reasons I am requesting this information are as follows : I am currently under review for mortgage payment assistance with the Virginia Mortgage Relief Program and they are in need of detailed information regarding my delinquency that I have been unable to provide due to the incompetency of my current mortgage servicer. My application has been opened since XX/XX/XXXX. 

My intention is also to begin making payments directly to the servicer to pay down the arrearages quicker in the event that I am denied for the XXXX however, I am disputing the total delinquency amount and would like a breakdown of payments due prior to doing so. 

On the call today with representative 'XXXX  XXXX in the Bankruptcy Department XXXX She stammered and stuttered through the reasons she was unable to provide assistance with my requests. On the first 34 minute call ( XXXX XXXX XXXX  ) I was advised that the information could not be provided to me due to the active bankruptcy ... although she acknowledged receipt of executed Authorization from my attorney. On the second outbound 37 minute call ( XXXX XXXX XXXX ) she advised the reason she could not provide the information because the Post Petition Plan was not currently in effect. She argued that the reason that they can not view or obtain the information ( months currently due ), was because the bankruptcy protects the account from Foreclosure. I advised that I am aware of the Bankruptcy Protection Act, however the mortgage servicer should still be able to provide an explanation of arrearages. 

She offered to send out a contractual reinstatement letter but did not seem confident that the letter would provide the information requested. 

I am disputing the total delinquency amount and I am requesting that all arrearages for which can not be explained be forgiven. 

Thank you
Product: Credit reporting or other personal consumer reports

I'm trying to buy house and i came out of covid and collections and late payments are affecting my credit report collection company are not being professional according to the 15 USC1681 law there should not be any damages on report is defamation to my character
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request the immediate removal of the late payment entries from my credit report the are in violation of the fair credit reporting act specifically 15 U.S. Code 1681 a ( 2 ) a ( I ) According to the FCRA late payments should not be reported as negative information. This effects my creditwillingnss and ability to obtain favorable credit terms. I kindly request that you investigate this.

Per FCRA, I expect acknowledgement of this law In accordance with the fair credit reporting act the creditor has violated my rights under 15 U.S.C 1681 section 602 states that I have the right to privacy U.S.C 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681A section 2 exclusions does not contain solely as a transaction or experiences. Experiences between consumer or person making report 15 U.S.C 1661A section I transactions are NOT included in the consumer report.

I have filed a dispute with GM financial they refuse to remove it and I have talked to them multiple times, they are very hard to deal with and I want this negative remark removed
Product: Credit reporting or other personal consumer reports

The following inquiries are fraudulent and unauthorized by myself and need to be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Iam hereby notifying you that neither on that date or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), Both together and separately my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumer repor
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion discriminating me based on certain criteria, they put my score down when I have cancel their monthly monitoring services ( paying monthly fees ) and When I sign up, they increase score, they are doing fraudulent activities on this issues. They are downing my score, sometimes 97 or more when I have no 'missed payment ' or collections, it is a complete act of discrimination, they are soliciting to use their monthly services, as soon as I register monthly service, they increase score. All three credit bureaus violating constitutional rights of US Citizens. Investigate their issues and put them into justice. They are unnecessary forcing consumers to sign up their monthly services, otherwise they will put my score down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX and Transunion. They ( XXXX ) received that letter with certified returned receipt on XX/XX/year>. I received NO RESPONSE to both mailings. A second letter was sent on ( XX/XX/year> ) certified signature required with further violations highlighted received on XX/XX/year> still with NO RESPONSE. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.