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

Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against [ XXXX XXXX XXXX XXXX ] 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 ] Date of Late Payment : [ XX/XX/XXXX ] Nature of Complaint : On [ XX/XX/XXXX ], I submitted a dispute to [ EQUIFAX ] disputing a late payment reported by [ XXXX  XXXX ]. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : 1. [ You may have made your payment on time or there may have been a clerical error. ] 2. [ Payment confirmations. ] 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,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX repeatedly debited the wrong bank account even after I updated my account with a new bank account, and despite my autopay, they never informed mevia email or writingthat the payment was not going through. They reported my account as " delinquent '' without informing me of the problem and refused to update my credit report.
Product: Credit reporting

Currently working with a lawyer and the XXXX on an account with XXXX. They were paid off and yet are trying to collect $ XXXX in incorrect charges. I never received any information on the debt. Per the fair credit reporting act, they can not put an account past due if they never sent anything in writing. They never sent anything because I do n't owe it. XXXX used cars is illegally reporting the account as a collection when they have never provided any information about the debt. It was complete paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting account XXXX/XXXX on my credit file as closed and this account is opened and in current status I have notified them of this numerous times and they will not correct the account to reflect correct information and ignore my requests
Product: Checking or savings account

I am writing to file a claim regarding my Navy Federal account, which was subjected to excessive overdraft fees and questionable overdraft practices. These practices put me, along with many other customers, in a situation where it became nearly impossible to restore my account to good standing. As a result of these charges, I lost access to my account and have been unable to find a stable banking solution since. My funds are now scattered across various accounts, creating significant financial stress and instability. 

As a 100 % XXXX veteran, I believe I should have the opportunity to regain access to my account without the burden of paying excessive overdraft fees and other penalties. These charges disproportionately affected me, making it incredibly difficult to recover from an already challenging financial position. I ask for fair consideration of my situation and for the opportunity to have my account reinstated or the fees waived so I can regain financial stability.
Product: Debt collection

My mortgage is running 30 days behind. I 've emailed asking someone to contact me to discuss a deferral of that one payment. I 've told them precisely the times I 'm available ( XXXX XXXX or XXXX XXXX ). " XXXX '' continues to call my cell phone, immediately followed by a call to my place of employment outside of those time slots and numerous times a week. This morning, XXXX XXXX, 2013, I paid my XX/XX/XXXX payment. Meaning my XX/XX/XXXX payment was due on XX/XX/XXXX. At XXXX XXXX, I received a " XXXX 's '' regular calls on both the cell and then office line. Her message was in a very nasty tone telling me that I needed to call her IMMEDIATELY. Why? At this point, I 'm 2 days late on my payment! I have now sent them a 3rd message through my online account making a complaint. But they seem to ignore this.
Product: Credit reporting or other personal consumer reports

My personal information that is linked under Experian is not correct. This is not my telephone number nor my email address. Nor has this ever been my information. Ive been trying to contact Experian by phone for the last XXXX XXXX XXXX months I keep getting a recording and the recording will tell me that theyre unable to help me because they can not connect me to a live representative and then disconnect. I looked for an email address and I also tried to send this in a letter via US mail. I would like for this information to be deleted because this is not my information once again. This is not my telephone number, nor is this my email address. I tried to update myself however since it does not belong to me, I can not make any changes. When I click on change the email address then it sends a text message to the phone number. Or when I click on Change telephone number it will send an email or code to that email and neither one belongs to me. I tried to reach out to the email address carrier And apparently thats a site that people use for spam.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 37 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) states plainly that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 37 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX XXXX  discharged Account # XXXX, has violated my rights. 
XXXX  XXXX Account # XXXX, has violated my rights Fair Collections & XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX Account # XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX, has violated my rights XXXX XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights XXXX  XXXX Account # XXXX, has violated my rights XXXX XXXX  XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Capital One charge my credit card XXXX for a Returned ACH Card due to an Auto Payment. I never set up Auto Payment and never agreed to Auto Payment, and now they are refusing to reverse the XXXX Charge
Product: Credit reporting or other personal consumer reports

FCRA 605B requires the removal of any incorrect accounts from my credit report, I believe. Could you check the documents? Some accounts have inaccuracies in terms of reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

I want reported accounts removed.

XXXX XXXX XXXX
Product: Checking or savings account

My identity was stolen credit cards bank account phone service account ect I have no knowledge of any of these items on my credit or i dont have a bank account so its hard when u try to get things in your name an have no knowledge about any of these situations
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$140.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$21000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} CCM XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$300.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$2200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$810.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$780.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Grid and Hatfield Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX I received your response about my outstanding debt that has been with you for over a year or two. I want to clarify that no police report was ever filed or police involved when my brother used my phone to create a Grid account. This happened when we were sharing the same phone while I was still in high school. There was no identity theft involved as we both had access to the phone with all my information stored on it. 

I understand you may be looking for a police report or documentation to support this, but I want to emphasize that no such report exists. I wouldn't involve the police in a situation with my brother, who lives with me. This was simply a misunderstanding that I've been trying to explain to you for some time now. I hope this clears up any confusion and I request that the debt be removed from my credit record. '' In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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. 

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, credit repair services, or other personal consumer reports

XXXX was taken XXXX company has not respond for reporting two different accounts one paid and one I never had with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing a 30-day late payment in XX/XX/2018 I have disputed this with all 3 credit bureaus but XXXX keeps verifying that is correct. 

Please remove this late payment entry as it is inaccurate for the following reasons : 1. XXXX does not provide an auto-payment scheduling mechanism. It is very easy for a customer to miss the payment date as all payments need to be manually scheduled. 
2. There were a number of fraudulent charges on my account in the months preceding and after investigations credits had been issues to my account. These would have made up for the minimum payment for XX/XX/2018. 
3. XXXX is charging interest from the date a purchase is made. This is incorrect. You should be charging interest from the Due date shown on the previous statement as all other credit cards do. 

I have attempted to address this with XXXX but they refuse to help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : [ XX/XX/XXXX ] TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Fraudulent Accounts per UCC Article 9 and FTC Identity Theft Report Dear TransUnion, I am writing to formally dispute the following accounts on my credit report, which I believe to be fraudulent and not authorized by me. In accordance with the Uniform Commercial Code ( UCC ) Article 9, I am invoking my right to dispute these inaccuracies under the Fair Credit Reporting Act ( FCRA ) and further supporting this claim with my FTC Identity Theft Report, which I have enclosed. 

The accounts in question are : 1. XXXX XXXX XXXX XXXX Account # ending in XXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX 2. XXXX XXXX Account # ending in XXXX Balance : {$1700.00} Date Opened : XX/XX/XXXX 3. XXXX XXXXXXXX XXXX  Account # ending in XXXX Balance : {$520.00} Date Opened : XX/XX/XXXX 4. XXXX XXXX Bank Account # ending in XXXX XXXX : {$1000.00} Date Opened : XX/XX/XXXX 5. XXXX Start Account # ending in XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Per UCC Article 9, section 9-625, a secured party must correct erroneous information on a debtors record. I demand immediate removal of these fraudulent accounts from my credit report as they violate my rights under UCC 9-625 and FCRA section 609.

I have already filed a report with the FTC ( Report ID : [ XXXX ) and local law enforcement regarding the identity theft associated with these accounts. Please note that the presence of these fraudulent accounts is severely impacting my credit score and financial standing. I request these be investigated promptly and the results sent to me within the required 4 business days window. 

Please update my credit report to reflect the correct information and confirm the removal of these fraudulent accounts in writing. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX
Product: Debt collection

XXXX- received a call from XXXX to my cell and XXXX to work. I called back the XXXX and was connected with a XXXX. She proceeded to ask if I was XXXX and I affirmed. She stated that she was calling on behalf of a loan I took out with moneykey. I asked where she was from and she stated XXXX XXXX and they also work with an attorney 's office. She stated before she contacted my employer they were calling to try and work out something with me. I proceeded to tell her she no longer has access to contact my employer and she said that it will continue until I take care of the collections. I informed her she was violating a federal regulation and she stated " allegedly ''. I asked her to send information to me and she said she would email a document to my email and proceeded to hang up on me before I was able to verify what email and when. This is not ok and completely against my rights as a consumer. She did not read me my rights and did not comply with what I was asking.
Product: Credit reporting or other personal consumer reports

Hello, I need to dispute the following inquiries below on my EQUIFAX report. I have tried my best to contact these companies first but nobody could give me proof that it was me who authorized these. I tried contacting them by phone and mail. I believe these are fraudulent and not me who authorized them. I have also submitted FTC reports as this is likely identity fraud. Please assist me with getting these removed. I will also try to contact an attorney. Thank you. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I did a application with a bank and they told me I had something negative on my report. It showed up as PMAB LLC out of XXXX NC and I had no idea who that was so I disputed with the three bureaus XXXX, XXXX, and XXXX. Since that time my ex-fiance told me she thinks this is a company who sent something after I had a XXXX about a bill, She showed me where she wrote to them asking for proof this bill was owed before it was paid because this bill isnt showing up like all my other bills thru my insurance company. I just want someone to verify the bill is legit like she wrote them and asked for and I will pay the bill and I want it removed from my report
Product: Debt collection

This debt collector has done unjustifiable practices in violation of the FDCPA, which prohibits furnishing unverified accounts. A legal contract requires both parties agreement, and I did not participate in such an agreement. They failed to follow the proper 5-step validation procedure. As per the FDCPA, I am entitled to compensation for these violations. I demand this account be removed immediately from all 3 credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX mo XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 

Experian. 
Money loin account is closed Applied bank account was placed in bankruptcy Chime account is closed XXXX account is closed filed in bankruptcy State of mi chi Account closed filed in bankruptcy Bankruptcy is on my credit and shouldnt be reporting on my credit profile this is not credit this is public information
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Thursday, XX/XX/XXXX Experian Consumer Services XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I am writing to request access to view my Experian credit report, as it has not been updated since XX/XX/XXXX. The lack of updates has resulted in the reporting of inaccurate information, which is adversely affecting my credit score and my ability to obtain credit. 

It is my understanding that credit reports should be updated regularly to reflect the most current information. However, I am unable to view any information for XXXX. This lack of access and outdated reporting is causing significant inconvenience and potential harm to my financial standing. Accurate and up-to-date credit information is crucial for me to manage my credit responsibly.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my credit report that I recently obtained from your agency. Upon reviewing the report, I noticed that there are several errors related to names and addresses which do not correspond to my personal information. See the identity theft report attached with the list of incorrect names and addresses.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received a phone call from a person claiming that my daughter was in jail and I needed to send money for her release. I made two separate transactions, through CashApp for {$760.00} and {$320.00} and then realized it was a scam. I tried to reach the company and stop the payment but only got a recording. I followed the steps to report it but received no response. I even requested a refund from the person 's CashApp only for it to be declined.
Product: Credit reporting or other personal consumer reports

I am submitting my fourth complaint concerning my status as a victim of identity theft. This submission is a follow-up to the challenge I have raised against specific items in my file, which directly stem from the aforementioned crime. Pursuant to FCRA Section 605b, Credit Reporting Agencies are mandated to expunge any items listed on an identity theft report, specifically those under the reference # XXXX in my case. Please remove the reporting of these items from my credit file, as they are associated with an alleged identity theft : -- -- -- -- -- -- -- -- EXPERIAN : 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. In accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are required to remove any items in the consumer 's file identified by the consumer as information resulting from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Last XX/XX/2018, I sent a letter to this company as part of my rights to request debt validation. I clearly stated on my letter that I am not asking for verification that they have my name and address. I clearly requested that the account XXXX be verified and validated by providing me debt validation documents. It is now XX/XX/XXXX and MORE THAN 30 DAYS had already passed an I still have not received any proper validation document from this company which clearly is a violation of FCRA and FDCPA.