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 filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX XXXX Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness and negatively impacted my credit score, violating these provisions.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. The late payment reporting errors in my case suggest that this obligation was not met. 
New Evidence of Error Experian : The account incorrectly reflects a 30-day late payment in XX/XX/year> and a 60-day late payment in XX/XX/year>, despite timely payments being made. 
Pattern of Inaccuracies The continued reporting of late payments across XXXX, Experian, and XXXX shows a persistent pattern of errors. These late payments have been inaccurately reported despite my account being on autopay and having no missed payments. 
Request for Immediate Correction I am formally requesting that the inaccurate late payment notations be removed from my credit report immediately. The entries must be updated to reflect my true payment history, which is 100 % on time. Should this issue remain unresolved, I will escalate my complaint further, including pursuing legal action and filing additional complaints with relevant regulatory agencies to protect my consumer rights. 
Thank you for your immediate attention to this matter. I look forward to receiving written confirmation of the removal of these inaccurate entries within 30 days. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting with the bureaus regarding accounts on my credit report that need to be removed that aren't mines, and yet here I am again receiving debt collection calls about accounts that I have never opened, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, and a few others. I have included them in my police report as well as my FTC Report. I should already have a fraud report on file, there should be no way companies are able to run my credit without me being notified, I have recently changed my number due to the heavy call volume of debt collectors reaching me on things I never purchased. I never had any banks or debits until I found on by recently checking a credit report of mines. I want these items investigated and deleted, also want them blocked. I had a car that I paid in full sent in documentation of it being paid in full and being signed over to me from the XXXX  XXXX company and it has showed back up ... PLEASE FIX THIS. This is draining. All the fraudulent inquiries from phone and finance companies, XXXX accounts. Just a lot of things done without my consent. 

I sent this request days ago, and your stating this isn't me this is me letting you know about MY CREDIT REPORT. Quit responding back saying this isn't me and you'll update me. I want this investigated with proof or deleted. Im attaching once again my FTC report
Product: Credit reporting, credit repair services, or other personal consumer reports

How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They also violated my rights numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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: Credit reporting or other personal consumer reports

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under XXXX US CXXXX XXXX ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Product: Debt collection

On XX/XX/2020, XXXX XXXX of Sterling Credit Corporation, claimed to be collecting a debt on behalf of the XXXX XXXX XXXX for the amount of XXXX. They threatened that I would have negative reporting on my credit. 

They kept referring to me as XXXX XXXX when I am, in fact, XXXX XXXX. They refused to acknowledge this. Kept increasing making use of aggressive and threatening language and were demeaning. 

I said I was not able to make a payment and payment plan at this time, but I did intend to pay the debt. They refused to acknowledge this and claimed I was refusing to pay or acknowledge the debt. They proceed to state that they would report that I refused to pay the debt and would report that. This was a false statement on their part. 

I proceed it contact XXXX XXXX XXXX to see if, in fact, this was a legitimate third party. I have not heard back.
Product: Credit reporting or other personal consumer reports

I did not open these accounts I HAVE A POLICE REPORT NUMBER FOR THESE ACCOUNTS XXXX. XXXX XXXX XXXX XXXX. THESE ARE NOT MY ACCOUNTS PLEASE REMOVE ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I am not happy to see the below items that are still showing in there. I am a victim of Identity theft. I've attached a copy of my ID, an identity theft report from Federal Trade Commission. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my consumer rights.
Product: Checking or savings account

I opened a Suntrust account online. 5 days later I funded the account with a wire transfer for {$48000.00} that cleared my new Suntrust account on XX/XX/2020. 

I went to the bank, withdrew around {$8000.00} in cash and instructed a wire transfer for {$30000.00} be sent to my XXXX account which would have left around {$10000.00} in the Suntrust account. 

The next morning I woke up and checked my XXXX account and saw the funds were not in the account. So I attempted to log into my Suntrust app to see why the funds werent sent. I couldnt log into the app and receive a notification that said Your Suntrust access has been restricted call XXXX. 

I called the number and was informed by a representative Suntrust Bank does not want my business and I will receive a letter in the mail in 7-10 days with my check. 

This is so illegal. If their system allowed me to deposit my funds, they can not hold my money. As a result I have lost business and my credit rating is in a negative dive as a result of late bill payments and bounced checks.
Product: Credit reporting or other personal consumer reports

The following accounts have been listed on my credit report and have violated my rights under 15 U.S.C. 1681 : {$210.00} - XXXXXXXX XXXX XXXX {$290.00} - XXXX XXXX XXXX {$500.00} - XXXX XXXX XXXX {$750.00} - XXXX XXXX {$2200.00} - XXXX XXXX XXXX XXXX XXXX : 15 U.S.C. 1681 Section 602 ( a ) : My right to privacy and confidentiality has been breached.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) : No consumer reporting agency may include any 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: Debt collection

I am writing to formally dispute an entry on my credit report that I believe is inaccurate or incomplete. This entry appears to be a result of incorrect information and violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and up-to-date records. 
The entry I am disputing is related to [ Experian ], listed on my credit report under account number [ XXXX ]. I have reviewed the information on my report and have determined that it is either inaccurate, incomplete, or otherwise unverifiable. Specifically. 
Under the FCRA, credit reporting agencies are required to investigate and resolve disputes regarding inaccurate information within 30 days of receiving a request. As such, I am formally requesting that Experian conduct a thorough investigation into the validity of this entry and provide me with the following : 1. Documentation proving the accuracy of the information reported.

2. Evidence that the debt is valid and belongs to me, if applicable.

3. Any verification that the creditor has reported the debt accurately.

If Experian can not provide sufficient documentation or evidence to support the reported entry, I am requesting that the entry be immediately removed or corrected from my credit report, as required by law. 
Please note that under the FCRA, if this information is not verified as accurate, you are obligated to delete it from my credit file. Additionally, I expect that any future reports will reflect the corrected information once the dispute has been resolved. 
Kindly confirm receipt of this letter and notify me of the results of your investigation within the 30-day period prescribed by the FCRA. Should you fail to provide satisfactory evidence or fail to resolve the dispute in a timely manner, I will pursue further action to ensure compliance with consumer protection laws.
Product: Debt collection

I ready pay but they apology for forgeting to put it in I Talk to the R & rcolection and they say they going to fix this I pay that XX/XX/XXXX and they send me to the colection agency on XX/XX/XXXX and until XX/XX/XXXX they stil charging me for that bill
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to unfreeze my credit with Equifax so that I may apply for a home loan. Due to a software glitch on the Equifax website I am completely locked out of my online account and unable to unfreeze my credit. Technical support was unhelpful and refused to escalate the issue. Each password reset attempt locks the account further and Equifax is unwilling to help. We are unable to move forward with our home loan refinance!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is stating that I owe XXXX this information is false XXXX XXXX XXXX XXXX XXXX XXXX  is staying that I owe XXXX this information is false XXXX XXXX XXXX  is stating that I owed XXXX this information is false
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX XXXX XXXX XXXXXXXX - {$92000.00} XXXX XXXX XXXX  - XXXX - {$39000.00} XXXX  XXXX - XXXX - {$1900.00} XXXX  XXXX - XXXX - {$280.00} XXXX - XXXX - {$0.00} XXXX XXXX XXXXXXXX - {$570.00} Inquiry XXXX - XX/XX/2023 XXXX  - XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/2023
Product: Vehicle loan or lease

I have been a consumer of 53rd bank for my auto loan. When I was impacted due to Hurricane Irma, they provided me with a deferment until XX/XX/XXXX which I am appreciative of. Starting in XX/XX/XXXX, I made consistent payments up until XX/XX/XXXX, because I had a XXXX in XX/XX/XXXX and was out on XXXX XXXX, so I did not have any income at the time. I spoke with them XX/XX/XXXX requesting a temporary deferment until XX/XX/XXXX payment as I would be returning to work starting XX/XX/XXXX. They stated that they could not do that because I did not have 90 days of consistent payments, which was false. 

Since the past due payment from XX/XX/XXXX, they have called me every single day. I spoke with two different reps and advised them of my situation. Today I spoke with a gentleman who stated that I owe XXXX, which is also false. He was clearly bullying me in to paying more than what was actually owed. I was only behind one payment of XXXX, but he was adding XX/XX/XXXX payment in to that total which is unfair. He also stated that he had the ability to call me 4 times a day, which is clearly harrasment. As a woman who just had a baby, they had absolutely no regard for any potential post partum issues I could be experiencing. I have never missed a payment with them before ever, and after one missed payment, I am harassed? 

I then spoke with a woman named XXXX, when talking to her I asked her to review my history for XX/XX/XXXX and XX/XX/XXXX and she said " that's not what I am here to do '' she refused to help me and was more concerned about arguing with me. I requested to speak with her supervisor XXXX and he would not get on the line either. 

I was simply asking for a deferment for XX/XX/XXXX or XX/XX/XXXX just to help and I was spoken to disrespectfully, I was harassed, and still provided with no resolve despite my consistency with them.
Product: Checking or savings account

Scammer stole identity from a friend who he hacked his account and pretended to be scaling a car and asked for the money we did a XXXX transfer but it was not our friend it was a scam the bank will not refund the money since the scammer does not agree to return it.
Product: Credit reporting or other personal consumer reports

Hoping this message finds you well. I am reaching out today to provide a follow-up, as within the next 15 days, I will be updating my credit reports. I am conveying this message to ensure that you have successfully addressed the removal of all the items listed in this complaint, as well as those outlined in my previous communication dated XX/XX/XXXX. Additionally, I have re-attached my FTC Report # XXXX for your reference. Please review the listed items for removal for each bureau : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX **********EQUIFAX********** XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

Been trying to negotiate and advise needing a hardship program. 

They have only offered to suppress late fees. Advised cant pay, if i can cancel the account would options be available, advise the medical hardship im in and each time they resort to " the system doesn't have anything available ". When asking of canceling the account impact my ability to qualify they just say they can't anticipate that it's based on what the system says. They basically say I just have to call everyday to determine if something new occurs and allows the system to qualify me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Sequim Focus Receivables Management I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

im filing this report against the three major credit bureaus. XXXX Equifax and XXXX have been reporting inaccurate information or my consumer report. I first want to say Ive never given these companies permission to furnish anything on my credit report they art violating my rights and committing Identity theft with these actions. I demand that this account be removed from my consumer report as soon as possible and bh law they have 4 days to remove it. once removed i would like and updated copy of my credit report be sent to my mailing address. This action has cause complete turmoil in my livelihood and I am prepared to collect XXXX for each inaccuracy placed upon my report
Product: Debt collection

I have never received communications from this company or ever talked to them and this is the second time they are suing me, which I found out both times by getting a legal advisement letter from lawyers about court filings and advertising their services. I also know I never provided them with any contact information or an address. They called me from XXXX ( XXXX ) XXXX, a XXXX VA number
Product: Credit reporting, credit repair services, or other personal consumer reports

When Covid started I was given the option to not pay the vehicle for 3 months due to lack on income. When i checked my credit report it showed I was late 30 days not once but twice in XXXX and XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Mortgage Ser Inquiry from XX/XX/XXXX Credit Plus Inquiry from XX/XX/XXXX Credit Plus Inquiry from XX/XX/XXXX I do not recgonize these inquaries.
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 violates the customer financial protection act. Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act and Regulations E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

The credit bureaus were reporting inaccurate reports of my account causing me to be denied for credit with certain companies. After reporting this to the bureaus and showing proof they still decline to change my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported to Equifax that i have a balance of XXXX with XXXX XXXX XXXX XXXX. I settled This account over 2 months ago. I received a letter from the creditor stating that the account is paid. I have since disputed the item with Equifax. Equifax says that the Creditor has told them that i still owe the debt as of XX/XX/18. XXXX at Equifax said that XXXX  said i still owe, XXXX XXXX from XXXX on behalf of XXXX XXXX XXXX says that XXXX can not help me and will not fix this credit reporting error.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs 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 or other personal consumer reports

I sent a letter to remove 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 any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The account in question is listed as a charge-off. Charge-offs are considered Certificates of Indebtedness pursuant to IRS Publication 4681 ( 1. ) Canceled Debts, which means it is income and must be removed as income can not be reported in a consumer report, especially when the income reported does not belong to me as the consumer. Pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.