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

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion 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/year> Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXXXXXX. 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 : Payment made within the XXXX grace period : My payment for XX/XX/year> was made on time, which falls within Capital Ones XXXX grace period. Therefore, the account should not have been reported as XXXX XXXX XXXX 
Error caused by automatic payment system : I had set up an automatic payment for XX/XX/year> through XXXX XXXX 's payment system. However, due to a system error, the payment was delayed and processed late. This was an error beyond my control, and I acted promptly to resolve the issue when notified. 
Evidence provided : I have attached my bank statements and the payment confirmation showing that the payment was made on time, confirming that I acted within the allowed time frame. Additionally, documentation from XXXX XXXX acknowledging the system error has been included. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion 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 XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on the below accounts 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 XXXX XXXX. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks... 

If, any reinvestigation under paragraph ( XXXX ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... 

( XXXX ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled bankruptcy and the judge declaired my student loans be discharged. Navient keeps adding back to my report after disputing and removing it. They are also changing to XXXX XXXX to report. I have a full discharge on both companies. Please make them stop placing themselves on my reports. I am working hard to repair my credit and this is becoming a negative experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed with Experian last week regarding an account reporting the wrong date the account was opened. I have two accounts on my credit report with Experian which is the original creditor XXXX XXXX, account number XXXX and the debt buyer of the account XXXX XXXX, account number XXXX. XXXX XXXX is reporting the date this account was opened as XX/XX/XXXX. The original creditor XXXX XXXX is reporting the date opened as XX/XX/XXXX. Experian blatantly ignored my request for investigation into this matter. Its very obvious as both dates are on my report and XXXX XXXX shows the account was purchased by XXXX XXXX.
Product: Student loan

I'm XXXX years old and have XXXX for the third time. I have paid on my school loans for over 25 years. Borrowed a total of {$26000.00} from the government-Texas Guaranteed Student Loan Corporation/now- FFEL loans and at this time still owe over {$83000.00}? I was a XXXX XXXXXXXX for nearly 21 years ( 20 1/2 years ) and was hoping to obtain Public Service Loan Forgiveness ( PSLF ). However, Ed Financial ( my servicer ) is telling me that my loans are not eligible for PSLF due to the type of loans I have ( FFEL ). I retired in XXXX and was told I consolidated my loans back in XXXX. When I originally went back to college in XXXX, they did not have Direct Loans. I am currently working full-time for a private company, XXXX, as a XXXX XXXXXXXX dealing with XXXX XXXX. I was not even informed that I could not retire to obtain PSLF, and had to be still working as a public servant. I'm very frustrated due to the fact I am trying to obtain a USDA home loan and would only qualify for {$140000.00}? due to my student loans. I have excellent credit score. Then I spoke with a company ( not sure of the name ) to reconsolidate my loans for PSLF ; however, would have to pay another 25 years on them ... REALLY! To pay on my student loans for 50 years??? I will probably not even live that much longer, so is there anything I can do at this point?? I think this situation is CRAZY!!!! 
Thanks, XXXX XXXX
Product: Student loan

Hello, In XXXX FedLoan did not receive my updated annual income information during the recertification window for my income-driven repayment plan because I missed the deadline. As a result, the interest on my two student loans was capitalized. I have student loans from attending XXXX  XXXX XXXX from XXXX. {$51000.00} was capitalized on my unsubsidized loans and {$6800.00} was capitalized on my subsidized loans. At an annual interest rate of 7.63 % that equals approximately {$4400.00} more interest every year. FedLoan said they mailed a letter notifying me of the re-certfication deadline/window. I never received it. They said they sent an email. I did not receive it. I asked why they didn't call or send a certified letter. They have not answered. I've asked for a copy of the Communication Log for my account showing the email was sent. I have not received it. I have paid on time for 9 years. I think it's a simple mistake, and now it will cost me approx $ XXXX of additional interest over the next 15-16 years. I feel denied Due Process. A simple phone call could have notified me. A simple voicemail if I did not pick up. A second letter in a brightly colored envelope, etc. So many practical options to get a borrower 's attention. I have asked them to reverse the capitalization. They have refused. I spoke to many different reps and received inaccurate information about repayment plan options. I also would have hoped they would have told me about the REPAYE Program when my interest capitalized without me knowing in XXXX. Instead, I discovered REPAYE Program in XX/XX/XXXX and enrolled. I eventually hired a student loan negotiator. He wasn't able to help. Thank you for your time. I'm happy to answer any questions. 
Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Chase account # XXXX CFPB please forward documents to the mentioned company. Everything is very clear in the documentation Im sending. This is my last warning to Chase Bank to remove fraudulent related account from all 3 reports. My identity might be compromised and according to the Fair Credit Reporting Act, every fraudulent related account has to me removed from reports by law. I want an immediate deletion letter from Chase, stating the removal of the FRAUD related account. If this those not happen we will see in court what the judge decides. You have no idea how many violations you are committing here. My attorneys have them all and they are just waiting to your response through CFPB to pull the trigger in the law suit if necessary. Personally I just want justice and want the account remove, but if you want to go to court, that way it shall be. You didnt even investigated the case with a Federal Trade Commission Report stating what happen. Im trying to avoid court here for a negligence you committed, I understand that anyone can make a mistake, but that mistake is financially killing me. Please be reasonable. Thank you!
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : XXXXConfirmation of corrections made to the disputed items. 
XXXX.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
XXXXWritten confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Debt collection

There was no box to check for this debt settlement company. Having combined two credit cards my enrolled balance was {$22000.00} to pay off over 36 months back in XX/XX/2019. Usually these companies tell you that you will pay around 50-60 % of the balance. However, after the last card settled, in total I would be paying out {$21000.00} a whopping savings of 1.4 %. Based on their calculator on their website, they show bogus savings amounts. I asked them to lower my next 17 payments but they refused.
Product: Credit reporting or other personal consumer reports

Returned by company STATUS Company responded the complaint does not belong to them on XX/XX/2024 The company responded that they are not the appropriate company to address your issue. 

The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information. These are the words of the company Department of Education/ XXXX that the student loan does not belong to them they sold the private information to a company so with them admitting that the loan is not there it should be reported as inaccurate reporting 15 USC 1681also see USC 552 ( a ) 16 CFR 313.7 and 16 CFR 433.2-433.3
Product: Payday loan, title loan, or personal loan

Financed a sofa and bed with this company. Paid off principal with interest and then settled, company still saying I owe them money and despite request to stop debiting my checking account, they continue to try and do so
Product: Credit reporting or other personal consumer reports

I REVIEWED RECENTLY MY CONSUMER REPORT, I HAVE SEEN INACCURATE INFORMATION AND ACCOUNTS STILL REPORTING THOUGH IT WAS ALREADY DISPUTED SEVERAL TIMES. I AM SO FRUSTRATED BECAUSE UNTILL NOW, NO ACTION ARE BEING TAKEN BY XXXX, EXPERIAN AND XXXX. 

STILL REPORTING IN XXXX Incorrect information reporting : Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 
Account status is not correct : XXXX XXXX XXXX  - XXXX Update the account status. 
The following account is not mine : XXXX - XXXX Please remove from my report. 
XXXX XXXX XXXX XXXX Please remove from my report. 
This inquiry is not authorized : XXXX - XX/XX/2022 - This inquiry is not authorized. Please remove from my report. 

STILL REPORTING IN EXPERIAN Incorrect information reporting : Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Account status is not correct : XXXX XXXX XXXXXXXX - XXXX the account status. 
The following account is not mine : XXXX - XXXX Please remove from my report. 
XXXX XXXX XXXX XXXXXXXX Please remove from my report. 

STILL REPORTING IN XXXX Incorrect information reporting : Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX  XXXX, NV, XXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 
Account status is not correct : XXXX XXXX XXXXXXXX - XXXX the account status. 
The following account is not mine : XXXX - XXXX Please remove from my report. 
XXXX XXXXXXXX - XXXX Please remove from my report. 
These inquiries were not authorized XXXX XXXX XXXXXXXX - XX/XX/2022 - This inquiry is not authorized. Please remove from my report. 
XXXX XXXX - XX/XX/2022 - This inquiry is not authorized. Please remove from my report. 
XXXX XXXX - XX/XX/2022 - This inquiry is not authorized. Please remove from my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1681i. 
( 6 ) Notice of results of reinvestigation In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

They were to notify me of this in writing 5 days prior, but I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX The reporting of these account ( s ) is/are a violation of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. 
Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX account # XXXX is showing on my XXXX and Equifax reports XXXX has already removed the account
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$4300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$880.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}.
Product: Credit card or prepaid card

LOWES CREDIT CARD SYNCHRONY BANK I RECEIVED A LETTER DATED 1XX/XX/219 STATING THAT CREDIT LIMIT IS REDUCED FROM {$2000.00} TO {$190.00} DUE TO CREDIT REPORT SCORING SYSTEM THAT I FIND DEROGATORY AND EFFECTIVELY AFFECT MY PUBLIC RECORD,
Product: Debt collection

XXXX has been reporting this charge off/Repossession on my Credit report since XX/XX/XXXX. I have sent XXXX several letters for verification of Debt. Last one sent on XX/XX/XXXX. The response I received stated there is no account found with the information given or my account has been found Frivolous. XXXX has Re-Aged this account XXXX states this Account was opened on XX/XX/XXXX XXXX states this Account was Charged off on XX/XX/XXXX, Payment history reported by XXXX to XXXX Repossession as of XX/XX/XXXX XXXX reported Charge Off as of XX/XX/XXXX to XXXX XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX to XX/XX/XXXX, XX/XX/XXXX Last payment date : XX/XX/XXXX. XXXX has deleted his account. 

Payment history reported by XXXX to XXXX XXXX states this Account was opened on XX/XX/XXXX Last activity : XX/XX/XXXX Dated Reported XX/XX/XXXX Last Payment XX/XX/XXXX High Balance {$23000.00} Payment history reported by XXXX to Equifax XXXX states this Account was opened on XX/XX/XXXX Last activity : None Dated Reported XX/XX/XXXX Last Payment XX/XX/XXXX High Balance {$7000.00} XXXX has continued to re-Age this account and continues to report Major Inaccuracies. I am requesting that this account be deleted from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

first interstate credit card reported a 30 days late in XXXX of 2017 however this is not correct and i asked for something showing were i was late since its paid via internet but received nothing. i disputed with all 3 bureaus however none of them did a good job investigating it
Product: Debt collection

It has been a long time. I received letters from Wells Fargo, made many phone calls and was in a payment plan to remove the debit. I was paying XXXXXXXX  a month until half of the debt was paid then I was told they'd cancel the rest due to identity theft and me being a domestic violence survivor.

Then suddenly the full amount still remains on my credit score and I can't get apartments abd am facing eviction.
Product: Debt collection

I am filing this complaint on behalf of XXXX XXXX XXXX XXXX A Limited Power of Attorney designating me as his representative is attached. My client 's father, XXXX XXXX XXXX XXXX fraudulently opened multiple credit card accounts in my client 's name, XXXX of which was with XXXX XXXX. On my client 's behalf I disputed this account with XXXX XXXX and requested they initiate a fraud investigation. In the midst of this, XXXX XXXX sold the account to a debt collection agency, Midland Credit XXXX. XXXX subsequently reported this account to my client 's credit file and, despite multiple disputes on the basis of identity theft, has refused to delete the account. To credit report and attempt to collect on an illegitimate debt which resulted from identity theft is a classic example of " fruit of the poisoned tree ''.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be CORRECTED from my file right away XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$420.00} XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$6200.00} XXXX XXXXXXXX Balance {$9900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I checked my latest consumer report on XX/XX/2021 and i am still being violated by not only the three main reporting agencies but I'm sure the hidden agencies where my private information is bought and sold by and to non affiliates. I do not consent to E-oscar verification and will reserve all my god given rights as a natural person. XXXX, Equifax and XXXX continue to report defamatory inaccurate information. NO AGENCY SHALL DISCLOSE ANY RECORD WHICH CONTAINED IN A SYSTEM OF RECORDS BY ANY MEANS OF COMMUNICATION TO ANY PERSON, OR TO ANOTHER AGENCY, EXCEPT PURSUANT TO A WRITTEN REQUEST BY OR WITH THE PRIOR WRITTEN CONSENT OF, THE INDIVIDUAL TO WHOM THE RECORD PERTAINS. I NEVER GAVE ANY REPORTING AGENCY CONSENT. The role congress says they " assumed '', DOES NOT permit the use of my private information WITHOUT CONSENT. A consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 15 USC 1681b ( f ) Certain use or obtaining of information prohibited. A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.
Product: Credit card or prepaid card

I had a secured credit card with Discover with a {$200.00} limit. I gladly sent my security deposit, and used the card when necessary. After several months, I became deathly ill, and could not make payments anymore. Eventually, the card went delinquent. Well, after a few years went by, I finally decided to pay Discover the entire amount I owed on my secured card just to make things right. Several years after paying them in full, I find that I can not apply for a Discover card- they don't even pull my credit. The application results are always, " Status of previous Discover Card ''. I can not fathom why there is a status issue with my card since I paid them in full. It is ridiculous to treat potential customers this way.