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

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. 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 reported in ( MONTHS REPORTING LATE ) to be removed.

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! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking through my credit report today XX/XX/20 because I wanted to see where my credit was at since I will be buying a car soon but when I was looking through it I noticed three accounts that I never opened. The account names are XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX XXXX XXXX. Those accounts do not belong to me ; I did not open those accounts nor did I allow anyone top open them on my behalf. I have no idea who could have opened these accounts in my name without my permission but I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards those accounts. I do not have any contract or agreement with any of these companies and I never allowed them to have access to my credit information. I have already filed a police report and a complaint with the Consumer Financial Protection Bureau regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX : {$55.00} XXXX. XXXX XXXX XXXX XXXX : - XXXX. XXXX XXXX XXXX XXXX : {$0.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$55.00} XXXX. XXXX XXXX XXXX XXXX : - TRANSUNION XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : {$55.00} XXXX. XXXX XXXX XXXX XXXX : - XXXX. XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. It saddened me to learn that you somehow verified the disputed item, electing to leave it on my report.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my XXXX XXXX is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

I've disputed these items several time over and continue to get ignored or passed along. This is becoming very frustrating that the Credit bureaus are just sending me verified general letters with no real investigation, and it is having a tremendous impact on my life I'm trying to resolve this matter with out taking any legal action but if this not resolved I'm left no other choice but pursue that route to get this rectified asap possible. I've repeatedly said this items are incorrect and shown the proof that they are but they some how come back verified and there is no way they are if my most recent credit report says verified and and updated and the still have the same inaccurate information in my file. Please tell me how the following items are accurate, when the balance on the account is wrong but your company continuously verifies it as accurate.
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 assure maximum possible accuracy under 15 U.S.C. Sec. 1681e ( b ) for a consumer reporting agency ( CRA ) to assure maximum possible accuracy in its credit reports, and ( XXXX ) in 15 U.S.C. Sec. 1681i ( a ) for a CRA to conduct a reasonable reinvestigation to determine whether [ information disputed by the consumer ] is inaccurate. 

The listed account contiues to report inaccurately with Transunion. This account is reporting only with Transunion but has been deleted from XXXX and XXXX after a reinvestigation. How is Transunion continuing to state MEETS FCRA REQUIREMENTSwhen XXXX and XXXX DELETED this SAME account after their investigation for NOT meeting FCRA requirements. This collection account, XXXX XXXX XXXX, that Transunion has continuously VERIFIED AS ACCURATE remains to report the same with absolutely NO change. A collection is by default a XXXX  account but yet continually reports as an XXXX  account. I have yet to receive a method of validation. If accuracy is assured how is a collection reporting to my consumer report as XXXX  with a PAST DUE balance. Previous dispute with the company states there is no inaccuracy in reporting. I demand a reinvestigation of the accuracy of information that is being reported. 
I demand this account be deleted IMMEDIATELY for inaccurate reporting and complete disregard of my federally protected rights of a THOROUGH investigation. 

XXXX XXXX XXXX # XXXX has violated my federally protected rights as well as Transunion Credit Bureau .

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: Money transfer, virtual currency, or money service

I am a survivor of XXXX XXXX in childhood who in later life became a XXXX with the help of God Almighty! I was passionately serving my patient community in the New York Tristate area when I faced a devastating legal challenge unrelated to XXXX  XXXX  that cost me my XXXX  license and put me in massive debts back in XXXX. In order to recover financially, I started looking into online trading. In XXXX I started trading XXXX XXXX  with borrowed money but started losing all the invested money, no matter how hard I tried! That is when I heard about a company called XXXX XXXX. They called me repeatedly offering quick and massive profits if I traded with them. One of their account managers by name XXXX XXXX even offered to provide signals too. They sounded very professional over the phone and I invested a total of {$6200.00} of borrowed money with them. No matter how hard I tried, there would be a sudden platform spike or dip in the opposite direction of my trade at expiry which made me lose trade after trade! I lost all the money and then XXXX offered to give a free bonus for the lost amount into the trading account. I accepted it gladly, but the same story was repeated. In the end, I lost all the money I invested. Little did I know that they were fraudulent and were simply manipulating the platform! I suffered devastating losses emotionally and financially! Due to financial hardship, my family moved away to another state! I am eligible to apply for the reinstatement of my XXXX license and I invested with XXXX XXXX in order to make some money so that I could regain my license. But they caused further hardship and untold miseries to me. I realized about the nature of scam nearly 3 years after I invested with them and my bank refuses to ( Capital one ) do anything about it due to the delay in filing a dispute. I am in an extremely difficult state financially and emotionally. Kindly help me to recover my losses ASAP! Thank you and God bless you.
Product: Checking or savings account

Back in 2006, I lost my card with Bank of America which incurred fraudulent charges. I paid the fees Bank of America requested and was placed on the fraud list. I have been trying to get off the Fraud list since then. I can not open any personal accounts with other banks. I need this to be resolved.
Product: Debt collection

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 : LVNV Funding LLC has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 looked at my report on XX/XX/year> XXXX noticed are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ], Is not complete and its not accurate. 


[ XXXX XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

[ XXXX XXXX XXXX  XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

[ XXXX XXXX  XXXX XXXX XXXX open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

I sent a letter on XX/XX/XXXX, asking them to reinvestigate these accounts since they are not accurate. and here is my tracking number : XXXX. 

I got the investigation back but nothing have been modified or updated from what I have noticed. 

So, I requested a description of the reinvestigation and they do not provide it to me which is a violation of 15 USC 1681i7 They also violated 15 USC 1681i ( 5 ) Can you look into this matter.
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 ) PORTFOLIO RECOV ASSOC # XXXX XXXX ) PORTFOLIO RECOV ASSOC # XXXX XXXX ) XXXX XXXX XXXX # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is inaccurate! I was never been late on this account! I always pay it on time. This is a misleading information.
Product: Credit reporting or other personal consumer reports

JPMCB Card XXXX XXXX XXXX XXXX, DE XXXX Subject : Request for Account Details Dear JPMCB Card, I am writing regarding my account with your company, Account Number : XXXX, which has been marked as charged off. I am not disputing the account or its status ; however, I would like to request clarification and verification of the following details for my records : The date of the XXXX  delinquency on the account. 
The date of the last payment made on the account. 
The date the account was officially charged off. 

This information will assist me in maintaining accurate records and understanding the timeline associated with this account. 

Please provide this information in writing at your earliest convenience. If additional documentation or identification is required to process this request, feel free to contact me
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts in my report that are clearly in violation of FCRA but is still reported. The data are inaccurate, outdated and therefore considered fraudulent!
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I saw that there are inaccurate accounts on my credit report, dragging  my score down. Its frustrating to think about how many opportunities I might have missed because of this. I never authorized these accounts, and they shouldnt be there.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN:XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming late payment ( s ) have been made on my account. I do not remember ever being late. 

XXXX with account number XXXX If you can prove that I was late please provide all statements and records of all payments made and missed since I opened the account. 

In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

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

I have tried multiple times to have XXXX, XXXX and TransUnion change information that is incorrect on my report only to have them resubmit the same false information.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions via mail, Transunion consistently responds in writing within 30 days that the account is accurate with providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs ' most recent administrative proceeding ( File No 2025-CFPB-0002 ) against them for similar violations. I request CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 

Dates of sending multiple attempts- from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$3300.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Vehicle loan or lease

At the end of XXXX early XXXX I contacted my lender Flagship credit and advised that my husband was not working and that he was diagnosed with XXXX and that it was affecting our family. They agreed to take the rest of XXXX payment and place to the end of the loan. If i could set up payments to take care of XXXX payment. I agreed. I made one payment over the phone with the rep and he set up the second half of the XXXX payment for XX/XX/XXXX. I listened to a recording and agreed to the terms of the extension. Fast Forward.. The second half of the XXXX payment was taken out on XX/XX/XXXX. 

On XX/XX/XXXX. They called me and say I owe XXXX and that my account in 29 days delinquent. I told them about the extension. The rep said the extension was denied and that I should have called back.. Really! I was approved over the phone. I asked to speak to a supervisor. He or she never came to the phone!! These people are liars! Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern : The Company Synchrony Bank has reported inaccurate information on my credit report. The problem with this company is that they tend to charge late fees generated by the billing software, according to the Customer Representative I spoke with on XX/XX/XXXX. I informed her that I paid in advance in reference to the XXXX statement {$210.00} for payment due on XX/XX/XXXX, in the amount of {$60.00}. XXXX payment due {$56.00}, XXXX payment due {$56.00}, and XXXX payment due XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$12.00} owing for XXXX. There was a payment made toward 's the remaining balance of XXXX payment of {$12.00}. A {$25.00} was paid on XX/XX/XXXX, which left a credit balance of {$13.00} to go towards the XXXX payment due on the XXXX. I made the young lady aware of the advance payment, and she indicated that their contract says that I can not pay in advance. I have never agreed to or signed any contract that says I can not pay my credit card bill in advance. I am appalled that they reported on all three credit agencies 30 days late for XX/XX/XXXX. This is an unethical practice. She indicated she could remove the late fees and that she would file an investigation. However, they are reporting that I am past due, which is not true ; I am current. I appreciate it if this matter is resolved promptly. I have attached for you to review the statements. Synchrony Bank closed my account back in XX/XX/XXXX, when I inquired about them reporting late fees in XXXX and XXXX of XXXX. Their explanation was due to " lack of real estate secured loan information, no open back cards in my file, unpaid collections, the average time since revolving accounts opened is too recent, the number of inquiries was a factor in determining a score. '' Which I find appalling because my accounts are not late or past due. I have a 3-year car loan paid on time, a line of credit of {$1.00} XXXX I had for 2 years, and other major credit cards I had for a year or two that are all current or XXXX balance, and they are not closed.
Product: Checking or savings account

On Saturday morning around   XXXX   XXXX  , I went to the Chase Bank #  XXXX  on  XXXX   XXXX   XXXX   XXXX  in  XXXX , Texas to try to open an savings account. I was received by the Teller I asked her nicely that I wanted to open an savings account and she kindly said I needed two forms of identification, which I had at the moment my current Texas  Driver License  and Social Security card. She never mentioned that I needed other forms of identification. Few minutes later, the  manager, he could do for me : I explained I needed to open an savings account for the amount of {$820.00}, without him asking me I set both identification cards on his desk. Then he asked me for my legal status if I was citizen or a resident. I told him that no one disclosed that I would need my legal status in order to open an account and that at other institutions I was only asked to give my  two forms of identification that I mentioned earlier. I feel that is a racial issue and stigma towards me. I told him that " I felt discriminated '', and he rudely told me " no one has ever said anything like that ''. Regardless of the banks policies, I felt that two  forms of ID were enough for me to open an account with them. I feel that my civil rights were violated by this man. I strongly do not feel he should be in charge to represent as  the manager of this   outstanding bank or any bank institution. The teller never told me I needed my citizenship or resident alien card. I do n't feel that my legal status define me as a person with a lot of money or no money at all for him to treat me this way. I would want people to know so that it wo n't happen to them. Th e manager in   the Saturday morning shift. He rejected me with all possible intention. I spoke   XXXX   to him in all conversation because I felt comfortable speaking in our native language and that is how I initially asked, he never thought that I spoke   XXXX   to begin with. How was he able to define my legal status? By my appearance? I am very disappointed. Am I to bring my citizenship card to open my account? Saturday morning  X/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by a Chase employee to contact here to get rid of all inquiries because there false and want get my credit score back I only asked for soft pull and get I do but I noticed my score went down so thats why I want these inquiries to be gone Im very upset.