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

Subject : 15 U.S. Code 1666b - Timing of payments I am writing to formally dispute the inclusion of a late payment entry on my credit report, attributed to XXXX XXXX XXXX XXXX for the month of [ Month/Year ]. This dispute arises from a fundamental misunderstanding of the timing of payments, as outlined in 15 U.S. Code 1666b of the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I was dismayed to discover an entry indicating a delinquency in my payment history with XXXX XXXX XXXX XXXX. However, it is crucial to clarify that the timing of payments under the FCRA allows for a grace period before a payment is considered late. 

Acording to 15 U.S. Code 1666b, creditors are required to provide consumers with a reasonable amount of time to make payments before imposing late fees or reporting delinquencies to credit bureaus. This grace period ensures that consumers have sufficient time to submit payments without incurring penalties or negative consequences on their credit reports. 

In light of this legal provision, it is evident that any late payment entry on my credit report must adhere to the guidlines outlined in 15 U.S. Code 1666b. I assert that my payments to XXXX XXXX XXXX XXXX were made within the stipulated grace period, thereby negating any grounds for reporting a late payment. 

Furthermore, the inaccurate representation of the timing of payments on my credit report not only violates the FCRA but also undermines the integrity and reliability of the credit reporting process. As a consumer, I rely on accurate and transparent credit reporting to assess my financial standing and make informed decisions. 

Therefore, I demand a comprehensive review of the disputed late payment entry, taking into account the provisions of 15 U.S. Code 1666b regarding the timing of payments. Any inaccuracies must be rectified promptly, and the erroneous entry expunged from my credit report to ensure compliance with the FCRA and uphold the accuracy of my credit history. 

Failure to address this dispute in accordance with the legal provisions outlined in 15 U.S. Code 1666b may necessitate further action to protect my rights under the FCRA and mitigate any adverse effects on my creditworthiness. 

Thank you for your attention to this matter, and I look forward to receiving confirmation of the corrective actions taken.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Inaccurate Credit Reporting ( 15 USC 168152 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following account XXXX XXXX NUMBER : XXXX is reporting a balance of {$8700.00} when it is my understanding an reason to believe that because this DEBT WAS CHARGE OFF by you that is was memorialized with a Form XXXX as proof or evidence thereof. And that because of that fact. this debt is cancelled and at least should not reflect the balance that is currently showing of {$8700.00} This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my SSN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary.

If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf if myself by retained counsel. 

Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. 

Please forward any correspondence or changes to my credit report to the address listed above. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Request for Removal of Incorrect Employment and Address Information Dear [ Credit Bureau ], I am writing to dispute incorrect information on my credit report regarding my employment and addresses. 

XXXX. Employment : XXXX XXXX is not my place of employment. Please remove this from my report. 
XXXX. Addresses : The following addresses are incorrect and not associated with me : XXXX XXXX XXXX XXXX, XXXX, Louisiana XXXX XXXX XXXX XXXX, XXXX XXXX, Louisiana XXXX Please correct these inaccuracies as soon as possible. Ive attached my identification for verification purposes. 

Thank you for your attention. 

Sincerely, XXXX XXXX XXXX box XXXX XXXX XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, XXXX revealed 143 million accounts with personal info had been hacked. They mishandled my information, which puts me and millions of other people at risk. On XX/XX/XXXX, I was listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. I can not enroll for ID protection until XX/XX/XXXX, which is unacceptably late. I had to apply a fraud alert on all my credit reports. 

It is also scummy that enrolling on this equifaxsecurity2017.com removes me from any arbitration proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon checking my credit report on XX/XX/2018, I found that I had an open collections account for an unpaid debt for a XXXX XXXX Credit card. I decided to give the Collection agency provided a call in order to settle the debt. My talk with the customer service rep was pretty simple. I had agreed to pay a lesser amount of the debt owed in order to get the derogatory remark removed from my account. The debt owed was {$400.00}, we agreed on the amount of {$260.00} I believe. After paying the amount agreed upon, I received a letter in the mail confirming that the account was paid off, but I did not receive documentation that the derogatory accounts would be removed from my credit report. I gave XXXX XXXX a call inquiring about the letter and asking if the debt would be deleted. I was informed that, that would be an issue that I would have to take up with the reporting credit bureaus and that it was out of their hands. I decided to send letters to all three bureaus and also XXXX XXXX. XXXX XXXX replied via mail explaining that they could not do anything to help the situation. I have yet to receive a reply from the three bureaus.
Product: Credit card

USAA has deliberately reported inaccurate information to the credit bureaus under my name. 
They refuse to follow their own policy, a policy they drafted, which i had no say in, otherwise known as a " contract of Adhesion '' USAA has allowed a charge from XXXX applied to my card which I never authorized and have no idea how XXXX obtained the information. 
Around XX/XX/XXXX I report my card lost/stolen USAA closed the account and issued me a new card with a new account number. 
VERY IMPORTANT : once I received my new card, I placed it into my safe and never used it. 
However, strangely a charge from XXXX for {$510.00} appeared. I immediately contacted USAA, they informed me this was a recurring charge which USAA took upon themselves to allow XXXX to charge me. They did this without my permission or authorization. 
I have had numerous conversations with USAA since. They have refused to remove the charge from my balance and reported the balance with this DISPUTED charge too the credit bureaus 2 months in a row now.
Product: Credit reporting or other personal consumer reports

I am requesting that you immediately removals on these inaccuracies and remove the disputed accounts from my credit report. 
XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX 1. Violation of Section 607 ( b ) : Accuracy of information 2. Violation of Section 623 ( a ) ( 1 ) : Furnishing Inaccurate Information 3. Violation of Section 611 : Failure to Investigate Disputes 4. Violation of Section 605 ( a ) : Reporting Obsolete Information 5. Violation of Section 623 ( a ) ( 3 ) : Failure to Mark Accounts as in Dispute 6. Violation of Section 623 ( a ) ( 7 ) : Failure to Notify of Negative Reporting
Product: Debt collection

XXXX XXXX contacted my husband and myself a few months ago in an attempt to collect a debt ( unknown to us, and much to our dismay ) our former townhome company ( who Ive also filed a complaint against ) said we owed over XXXX. I told the H.W. Agent I had proof that we did not in fact, owe anything. Not only did the lease company keep our deposit, they are violating our lease agreement. I emailed the debt collection agency PROOF of our agreement, stating that we were to tell the Company XXXX  days prior to moving out, which I did. I also sent the lease agreement, and emails exchanged with the former property manager. Wouldnt it be up to hunter war field to help me figure this out? I have tried emailing them, they are not helpful.
Product: Checking or savings account

I just got a letter of cancellation of debt from chase and I never had a chase account and its stating that Im in debt of XXXX. Im confused and I know its fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed both of my Bank Of America account on XX/XX/2014 On my XXXX XXXX report bank reports " Consumer Removal Date XX/XX/2014 The phone number on the bank reports doesn't belong to me
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I have become a victim of identity theft.

Icontacted the Federal Trade Commission and filed a FTC complaint which is attached. There is an account on my report which does not belong to me.

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency.

In addition, I demand the following fraudulent Inquiry be deleted from my TransUnion credit report immediately.

Please remove the following unauthorized hard inquiry from my TransUnion credit report : XXXX XXXX - XX/XX/year> Sincerely, XXXX XXXX
Product: Mortgage

I received a letter from Mr. Cooper, XXXX XXXX XXXX XXXX, XXXX , TX , about late fees on my account total {$250.00}. Mr. Cooper do not have a problem withdrawing my mortgage from my bank account every month on time since XXXX, XXXX, now the company is complaining of late fee I need to pay. I am confuse how this company like to complain about late fees when they are receiving the mortgage payment every month on time. I do not trust Mr. Cooper. 

I work everyday, I pay my mortgage on time every month, and I am near retirement, I need no one complaining about late fees put on me to pay, I'm stuck with this company for some years. I wish the company be investigated taking advantage of the consumers. 

Mr. Cooper have no problem receiving my mortgage during XX/XX/XXXX, in XXXX the company start complaining about late fees also, withdraw mortgage from my account on time, in XXXX complaining again about late fees and did withdraws from my account for mortgage on time. My payment are put into the system every two weeks on time and the mortgage company receive on time.
Product: Credit reporting or other personal consumer reports

I am fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX2 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

I am sick of writing these complaints! 

I contact XXXX almost every month, I set up auto pay and they continue to decline the payments and remove the auto pay action off my account. It then makes me late and get charged a late fee which they make me responsible for and lower my credit line because their algorithm thinks I can't make payments. I AM SO UPSET!! 

This has happened far too often and am getting angry, I am currently working with XXXX XXXX and XXXX XXXX at our local newsroom and am creating a story regarding the false reality FNBO is setting for its consumers. 

You guys are scamming me with late fees, reducing down my credit line and pretending I don't have auto pay setup when I've set it up 4 times and have bank statements showing I've submitted payments. 

XXXX XXXX XXXX XXXX XXXX has provided " Proof of Payments '' I've sent to XXXX who's claiming THEY NEVER GOT PAID!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX : {$11000.00}.
Product: Credit reporting or other personal consumer reports

FCRA XXXX mandates the removal of any inaccurate accounts from my credit report, if I'm not mistaken. Can you review the documents, please? There are inaccuracies in some of the listed accounts, and it's unsettling for me.
Product: Credit reporting or other personal consumer reports

Hello, on XXXX XX/XX/year> a couple of applications to credit cards were done under my credit. I did not authorize any of these credit applications and tried calling both institutions, getting nowhere.

One inquiry was from Synchrony Financial with XXXX and the other one was from XXXX with XXXX. 

I tried solving this directly with them, but it has been impossible. I have not applied to any credit with these XXXX institutions, nor im i interested. Please help me removing these XXXX inquiries from my credit file, and most importantly making sure that whoever this impersonator is, does not apply to anything else. 

I already logged in to all the credit institutions and froze my credit as well as sent letters to both XXXX and XXXX, but it has been complicated to get a real answer. 

Please HELP! Images attached for both inquiries, i have no idea if they were approved or not, as they wouldn't share this, as well as the amount that they applied for. 

Thanks.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of tI accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX - XXXX, XXXX - XXXX, "
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE HELP!!! BEGGING YOU! 
XXXX IS SIMPLY A DISASTER. 
Account for XXXX ( XXXX ) was settled via XXXX XXXX XXXX on XXXX.2016. I initiated numerous disputes with Equifax and CFPB to remove balance from my report. STILL THERE! 
Equifax removes it from my account just to put it back on few days later. I dont know what to do with it at this point. Last dispute that i initiated with equifax sits on their website still open for probably 4 months or longer. No phone number to call or otherwise reach to them. I cant hate it enough, this is not funny. That is the only account that sits on my report and ruins everything for me. 
HELLO EQUIFAX!!!!!!! I SETTLED THAT ACCOUNT AND PAID SETTLEMENT IN FULL OVER A YEAR AGO!!! THERE IS NOOOO BALANCE ON THAT ACCOUNT. 
PLEASE REMOVE THE BALANCE!!!! PLEASE DO NOT!!! PUT IT BACK NEXT MONTH!!! PLEASE UNDERSTAND THAT I AM A GOOD CITIZEN TRYING TO BUY A HOUSE FOR FAMILY AND BECAUSE OF YOUR ERROR I CANT. PLEASE INVESTIGATE WHY THIS BALANCE COMES BACK EVERY TIME YOU TAKE IT OFF!!! PLEASE!!!! 

Thank you very much, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX After making numerous called to XXXX about the multiple inaccurate inquires and accounts being reported on my consumers report they refuse to remove the information as requested. 

As per XXXX data sharing policy they mention they get permission from 3rd party sources to report information on my consumers report. I did not give consent to XXXX or any other person to furnish any data of mines. Im also suppose to receive a copy of me consenting to XXXX data sharing, but I never received this information to opt-in or opt-out which is a deceptive practice. As the consumer I did give consent to XXXX or any person permission to report/share any assumed data that I will mention in the complaint. 

XXXX and its 3rd party furnishers/person are in violation of their own data sharing policy, and my consumers right to privacy. Which are also in violation of 15 U.S. code 1682B Section A ( 1 ) ( 2 )., They are also in violation of the data protection act.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE GOT A LOAN FROM THIS CO. USING SS # & INFO .... THERE ARE THOUSANDS OF XXXX XXXX IN TEXAS MUCH LESS THE WORLD ... PLEASE HELP! THANKS
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a utility account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XPN report : XXXX I recently applied for a home loan, and the lender obtained a copy of my Experian, XXXX and XXXX credit histories and shared it with me. I then obtained a copy of my Experian consumer disclosure to better understand the report. I have now seen there are a number of inaccuracies in my report. 

There are a number of items appearing only on Experian, which have long been purged as obsolete from XXXX and XXXX, since the date of original delinquency is more than 7 years ago. Specifically, these items are : ( XXXX ) tradelines from the Florida Department of Education, collection in nature, partial account number XXXX and XXXX ; ( XXXX ) tradelines from XXXX XXXX, partial account numbers XXXX and XXXX. 

There is also a tradeline from XXXX XXXX XXXX, which shows positive payment history and is reported as " disputed. '' This is erroneous and the information is not disputed. The " disputed '' comment should be removed.
Product: Credit card

This complaint is in regards to XXXX to which you submitted to me the signed terms and conditions from the merchant, as well as a typed and signed statement from the merchant. 1. This is NOT my signature & 2. This statement is NOT accurate.

I have a witness that we can both sign a notarized affidavit confirming this. We also have the entire experience recorded as further evidence.

My next steps will be to file complaints with the FDIC & XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX as well as I am willing to go into arbitration with Barclays Delaware if this matter is not resolved properly. You can not submit to me forged signature documents and a non-notarized affidavit by the merchant and expect me to just accept it.