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

Dear Sir/Madam, I am writing to request your assistance in resolving a credit dispute that I initiated with the three major credit reporting agenciesTransUnion, XXXX, and XXXX XX/XX/year>. To date, I have not received a response from any of the agencies despite following up via email. 

The issue involves an incorrect late payment inquiry reflected in my credit report for the month of XX/XX/year>. This late payment was not accurate, as the actual overdue payment occurred in XX/XX/year>. I addressed this matter directly with my bank, and they confirmed the discrepancy. The bank also sent a correction letter to the credit reporting agencies, but no action has been taken, nor have I received any confirmation of resolution. 

I kindly ask for your intervention in this matter to ensure the late payment inquiry for May is removed from my credit report, as it is causing undue harm to my credit profile. I have attached the following supporting documents for your review : 1. A copy of the banks correction letter.

2. Proof of my dispute submission to the credit bureaus on XX/XX/year>. 
3. Any other relevant correspondence or documentation.

Please let me know if additional information is required. I trust that the CFPB can assist in ensuring this matter is resolved promptly and fairly. 

Thank you for your time and attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit reports, I noticed that there are several credit inquiries that I did not authorize. I have requested them tl be removed and they are still on my files. 
I do not have bad credit and I take pride in paying my bills and maintainjjng my credit. I do not cosign or give anyone consent to use my information.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit card or prepaid card

1st. I applied for a Capital One Spark Business Card that requires the status of Fair Credit. I have a fair Credit Status according to Capital One Wise credit Service. The Gold Card Spark card requires a Fair Credit score unless the others that requires good to excellent credit.

2nd. Capital One is contradiction to correction is missing up my score. I am on time with my work and Iam not late.
Product: Money transfers

Hi There, Thanks for the giving an opportunity to represent the issueI transfer money through the WESTERN UNION on XXXX/XXXX/2015 to my family in XXXX. 
It was direct to bank transfer. 
The receiver did n't received money and i request for the refund, even they did n't refund my money. I provide them all the evidences they wanted e.g. banks statement of receiver 's which does n't show that money was credit. 
Humbly Request your office to look into it, hoping for the justice on the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXXXXXX XXXX  address listed on my report isnt mine. That is the address of my soon to be exwife once she moved out of our braeswood address home. I still live at XXXX
Product: Credit reporting 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. 

Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 reporting or other personal consumer reports

I called mechanic banks and asked if they are XXXX XXXX XXXX and they said they bought XXXX XXXX XXXX  and I send mechanic banks screenshots of my credit report where it says XXXX XXXX XXXX has decreased on my score on my credit report I also called XXXX XXXX, XXXX, the credit bureau told me theres different names that are spilled different on my credit report and that it shows foXXXX XXXX XXXX XXXX XXXX XXXXonths late payments. XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I been calling they said they will investigate and removed any mislead names and addresses that are not mine. And will send me a report in the mail. This been affecting my XXXX XXXX for years since the vehicle been paid off. My XXXX XXXX has not gone up.
Product: Vehicle loan or lease

I am now on my second lease with Chrysler Capital for a XXXX XXXXXXXX XXXX. During this lease which started in 2018 on 4 seperate occasions they have credited a payment to the wrong account. They quickly take my payment and then when its not made to my correct account they immediatly report me for 30+ day late notice to the credit reporting agencies. This has happened 4 times, I then have to go through the troubles of faxing banking statement showing that my payment was made and its corrected on the back-end. However this time they did it im in the middle of my refinancing on my mortgage, my credit score went down 65 points and I was no longer eligible for the terms that I recently negotiatied. Additionally Im suppose to replace my car with another grand cherokee that would be finance by Chrysler Capital and not sure if ill be eligible for the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Equifax 's That I have Disputed derogatory information on my Credit Report with XXXX, XXXX, and Equifax. That XXXX and XXXX  have made corrections on my credit report and adjusted my credit score accordingly. However, to the best of my knowledge, Equifax has failed or refused to take the same actions as XXXX and XXXX in making the above correction and /or adjustments on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX US Dept of EDXXXX XXXX Account XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  XXXX XXXX, Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX, Account # XXXX XXXX, Account # 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 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received Dispute Results Report # XXXX for XX/XX/20 ... which didn't Resolve my Dispute below.. 

I have a Letter of Deletion from XXXX XXXX XXXX regarding the Negative Information Account Number # XXXX which Experian Refuses to Remove from my Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  THIS IS MY 3RD RE-ISSUE WITH THE RECENT CREDIT INQUIRIES ON MY CREDIT REPORT. BACK IN   XXXX    XXXX  REMOVE THE FOLLOWING INQUIRIES AND THEN THEY PLACED THEM BACK ON MY CREDIT FILE. THESE ARE FRAUD INQUIRIES THAT I DID NOT AUTHORIZE. I SPENT OVER 60.00 SENDING CERTIFIED LETTER TO EACH CREDITOR ASKING FOR IMMEDIATELY REMOVAL FROM MY  XXXX  CREDIT FILE AS OF TODAY NONE HAVE BEEN REMOVED. I RECENTLY FILED A POLICE REPORT WITH THE   XXXX    POLICE DEPARTMENT.  XXXX , ALABAMA. I AM A VICTIM OF IDENTITY THEFT SOMEONE IS CONTINUING TRYING TO PURCHASE ITEMS IN MY NAME. PLEASE REMOVE THESE  XXXX  INQUIRIES FROM MY CREDIT REPORT THAT I DID NOT AUTHORIZE.
  XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   - XXXX / XXXX /2017- XXXX / XXXX /2017   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX    - XXXX / XXXX /2017   XXXX   XXXX     XXXX   XXXX   AND   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    F  XXXX   XXXX   XXXX   XXXX   AMICO INVESTMENTS   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE ALL FRAUD ALERTS AND REMOVE ALL SECURITY ALERTS NOW!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this account. I have been denied credit because of this account. I have tried to dispute this account and could not get it off of my credit. The company reporting the credit item has incorrect personal information. The company has the incorrect date of birth, social security number, and my name is misspelled. This company had two accounts on me. The other account was disputed but not this account, when they have the same information on both accounts.
Product: Vehicle loan or lease

The vehicle was wrongfully repossessed in XXXX XXXX. The lien holder of the vehicle failed to fix electrical problems with the car. The car was repossessed and sold in auction. The amount the car sold for and what I owe is completely wrong.
Product: Credit reporting or other personal consumer reports

I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a matter concerning my credit report with your bureau. Upon reviewing my credit report, I have noticed that there are late payments marked on my account, and I am writing to request their immediate removal. 
I understand the importance of maintaining a positive credit history, and I take full responsibility for any oversights that may have led to these late payments. However, I kindly request your understanding and consideration in removing these late payment entries from my credit report. 
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX I believe that my overall credit history demonstrates responsible financial behaviour and I am committed to maintaining a positive credit profile. The presence of these late payments is impacting my credit score adversely, and I am eager to rectify this situation promptly. 
Please find attached supporting documents that provide additional context and clarification regarding the circumstances surrounding the late payments. I assure you that I am committed to ensuring timely payments moving forward. 
I kindly request that you conduct a thorough review of my credit report and take the necessary steps to remove the late payments at your earliest convenience. I understand that the accuracy of credit reports is crucial, and I trust that you will handle this matter with the utmost diligence.
Product: Money transfer, virtual currency, or money service

I first received a call from " XXXX '' on Tuesday XX/XX/2021 at XXXX and XXXX. The number on my phone read Wells FargoXXXX. XXXX told me that someone had hacked my checking account and in order to reverse the charges I needed to follow his directions. He stated his employee ID was XXXX. He then instructed me to first send XXXX via XXXX and then XXXX via a wire transfer to XXXX XXXX XXXX account. XXXX then called me the next day XX/XX/2021 at XXXX saying that he had good news which was they had caught the guy that had taken my money his name was XXXX XXXX and that he was in jail but that he had taken more money out over my savings account-a total of {$22000.00}. He then instructed me to log on to my Wells Fargo account to keep my money safe. I followed his directions and wire transferred two separate payments XXXX and XXXX. XXXX followed up calling the next few days. When I missed his call on XX/XX/2021, I called Wells Fargo and they informed me that he didn't work there. I then followed steps to report a claim with Wells Fargo for the various transfers but no one at Wells is helping and they told me they cant get any of the money back. I have tried calling multiple times and have had difficulty with anyone responding. Given this fraud, I am hoping to use Regulation E of Electronic Transfers Act to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft and a result of that several account has been reported in my credit report that are fraudulent and not mine i have send THESE COMPANY all documentation of the illegality of these accounXXXX XXXX XXXX ... 
BEST BUY/CBNA XXXX 
XXXX  XXXX XXXX .... 
XXXX XXXX XXXX XXXX ... 
XXXX XXXX XXXX .... 
XXXX XXXX XXXXXXXX ... 
XXXX  XXXX XXXX XXXX ... 
XXXX XXXX XXXX XXXX .... 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XXXX SSN : XXXX XXXXXX/XX/year> RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX Enclosures Proof of identity XXXX documentation
Product: Credit card or prepaid card

I have been an American Express customer for over 20 years. I have spent millions of dollars both personally and for business across many cards over those years. I currently have three cards with AMEX. Two personal and one business. Three weeks ago I received a message that charging was suspended and all three cards. I have tried to call them 10+ times and the only answer I get back is that it is under investigation. I have NEVER missed a payment and I have paid my balance off 100 % of the time. I have a XXXX balance currently. Nothing makes sense and they won't allow me to use my cards. This is causing an extreme amount of hardship to not have access to my credit cards. I have contacted the office of the president of AMEX with no luck either.
Product: Credit reporting

Someone stole my personal information and identity to open up unauthorized and fraudulent accounts in my name. I have received harassing and threatening telephone calls and death threats from various creditors. The following accounts are unauthorized and fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX, XXXX. The following inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX.
Product: Debt collection

I am disputing the debt claim regarding an alleged obligation to XXXX XXXX. This is the third time I have addressed this matter with Jefferson Capital. I have no contract or financial relationship with your company, and I have already sent a 1099-C and other relevant documents to the IRS.

In compliance with 15 U.S.C. 1602 ( i ), I hereby notify you that I have presented a Credit Set-Off Settlement to XXXX XXXX  for the full amount claimed. They have three days to comply, after which I will pursue legal action if necessary. 

If you assert ownership of this debt, please provide the original contract signed by me and a valid IRS Form 1099-C within 15 days. I also demand the removal of this disputed debt from all credit reporting agencies as it shows Jefferson Capital does not own this debt. Continued attempts to collect or report this debt will result in legal action for mail fraud and other applicable charges. 

This letter serves as my final notice before pursuing legal remedies.
Product: Credit card

I got a credit card exclusively because of their double air miles for every dollar spent. I tried to book a flight from XXXX Ca. to XXXX Mo. This is a round trip of about XXXX miles. I have over XXXX air miles. So when I attempted to book the flight it said it would require XXXX air miles. I chatted in to the Capital One support and was told I had to take the cost of the flight and multiply it by XXXX! Cost of the flight was about {$510.00} x XXXX = XXXX miles. 
So they are charging me XXXX miles for a XXXX mile trip. THIS IS AN OUTRIGHT FRAUD! They need to do what they said in their promotion for this card! So Capital One is diminishing my air miles XXXX fold!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.
Product: Credit card or prepaid card

I have recently acquired a Best Buy - Citi Visa card. Before i ever used the card I called the phone number that was provided on the back of the credit card. I called to ascertain what payment amounts would be required and asked how to figure out, on my own how to figure how much money I would be required to pay. The person I contacted told me that I would never be required to pay more then {$27.00} a month. I wanted to be sure so I asked how much the minimum monthly payment expected for the card would be if my balance was {$700.00}? The person told me that the payment would be {$27.00}. I asked how much I would be required to pay if my balance was {$1500.00}? The person told me that my payment would be {$27.00}. I then asked how much my minimum monthly payment would be if I maxed the card out to {$2000.00}. The person once again told me it was {$27.00}. Last month my minimum payment was {$35.00}, and this month it was {$42.00} in a balance of a little more then {$1300.00}. I would not have used the card if I had known that I would be charged this amount of money. The amount is well over {$27.00} and the payment only payed {$13.00} to the principal. I was lied to and feel taken advantage of. I was not prepared for the credit card people to outright lie to me when I called them for information on how to figure out the payment expectations for using the card. When I called and asked the credit card people from the number that was provided to me on the back of the card, where I could get help from a governing body for credit cards he evaded my questions over and over. Finally I asked what country he was in and he said he was in the XXXX. The time was XXXXPST on the date XX/XX/17. He said his name was XXXX but he failed to give me any information that I could identify him with. Very sleazy situation. I asked to talk to his superior and he told me that this was not possible. He then said he could connect me with an American office. I was pretty sure he was about to hang up on me ... and he did. After " XXXX '' hung up on me I googled for help and found this web site. I hope you can help me figure out how to best deal with this very sleazy situation. Thank you, XXXX XXXX