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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX  XXXX. 
Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, which is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Viola

tions According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused undue harm to my creditworthiness and credit score, thereby violating my consumer rights under TILA. Protection Against Non-Payment of Obligations Act ( PAANL ) This act further reinforces the responsibility of creditors to provide timely statements, ensuring that consumers are not unfairly penalized. The discrepancies in the reporting of my payment history suggest that this obligation was not met by the creditor, leading to significant harm to my credit standing. Evidence of Errors in Payment Reporting For the  account with XXXX  XXXX, the following discrepancies have been observed across the credit bureaus : Experian : The account inaccurately reflects XXXX XXXX late payments in XX/XX/XXXX and XX/XX/XXXX, despite timely payments being made. 
Pattern of Inaccuracies The continued incorrect reporting of late payments across XXXX, Experian, and XXXX reflects a pattern of inaccuracies. These late payments have been falsely reported despite my payments being made on time and my account being in good standing. 
Request for XXXX Correction I am formally requesting that these inaccuracies be corrected and that the incorrect late payment notations be removed from my credit report. The information should be updated to accurately reflect my payment history, which has been on-time. If this issue is not resolved within 30 days, I will escalate my complaint further, including legal action and filing additional complaints with relevant regulatory agencies to protect my consumer rights. 
Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of the removal of these inaccurate entries. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

IC System, Inc submitted to me the ORIGINAL CREDITOR listed as XXXX XXXX. 
Since then, IC System , Inc has changed the original creditor. ( 2 ), two times.

It is clearly stated that I do not have a second chance to make corrections. 

As stated, I have never done business with XXXX XXXX. No Invoices. 
No bills paid to XXXX XXXX. 

In addition, I am left confused, why is IC System , Inc. requesting information for an attorney.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properiy 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. 2025-CFPB-0002 ) 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 reporting or other personal consumer reports

unauthorized usage of my credit I see multiple inquiries being done without my consent and I'm not the one applying.
Product: Credit reporting or other personal consumer reports

It is so distressing and you have no idea how bad it is, Im an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, sick and tired of XXXX XXXX XXXX XXXX XXXX my credit applications being denied because of these errors.
Product: Checking or savings account

I have both a personal saving account and an cooperate bank account opened in BOA back to XXXX piror the covid-19.

Are all in good standing for normal business and payments. 

By XXXX, XXXX, they suddendly got closed without any reason, just one mail notice. 

Tried call the hotline and nothing given.
Product: Debt collection

On or around XX/XX/2022 I receive a notice from Brock & Scott , PLLC attorney/debt collector trying to collect on a alleged debt. I have never done business with this Brock & Scott , PLLC attorney/debt collector. So I requested that this company verify and validate this alleged debt. On XXXX XXXX Brock & Scott PLLC responded asking me for additional information. As they stated I owe a alleged debt so they should have all the information to prove this debt. Brock & Scott , PLLC is threating to take property that they have no rights nor claim to. I XXXX XXXX a nature person and consumer ask that Brock & Scott cease all communication with me about this alleged debt and to remove my name from your database. I XXXX XXXX refuse to pay this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 

n accordance with the Fair Credit Reporting act XXXX Account # 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: Checking or savings account

Mercedes has intermittingly refused to take credit card or bank checking acct payments over the phone, without forwarding to a 3rd party ( XXXX XXXX ) for routine, bi-annual tax bills on a leased vehicle. When this occurs, a large cash advance fee is charged by the card because of the way it's submitted. Large Checking acct fees are usually charged by Mercedes but they're sometimes waived depending on the rep. The bills state what this may be allowed under State law but they won't say what law. This issue has been reoccurring for many yrs. Now they simple refuse to tell me what law they're referring. When I've pd by check, they often confuse this pymt with my regular monthly auto debit pymt for my lease. This is frustrating. You've tried to help back in 2016, now they're starting again. Please advise. Thank you.
Product: Credit reporting or other personal consumer reports

Equifax is reporting an incorrect information on my credit report. The following information does not belong to me : XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding {$370.00} Balance with XXXX XXXX History : My divorce was finalized XX/XX/XXXX. I was not living at the marital home for a year prior to that date. My ex-husband according to the decree was responsible for the house and expenses. When he moved out 2 years later in XX/XX/XXXX, he decided to not to continue paying the XXXX XXXX bill. 

Dispute : XX/XX/XXXX XXXX XXXX reported the debt using a collection agency appearing as XXXX. I disputed this and submitted my divorce decree. The debt was removed from my XXXX and XXXX  reports. 

Then this year, XXXX XXXX has reported on my XXXX  credit report using a collection agency appearing as Convergent for the same amount ( {$370.00} ) DATED XX/XX/XXXX - Thus negatively RE-AGING the debt ( against the law for those who don't know. ) XXXX was no help in solving this, as they only confirmed with Convergent as to what they already filed. Convergent is standing by their claim that the age of the debt is correct and that my divorce does not matter.
Product: Money transfer, virtual currency, or money service

I am to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with that platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my credit file which i have no knowldge of i wish to have these deleted
Product: Credit reporting

On XX/XX/XXXX I checked my credit report due to receiving notification that information had changed and noticed my inquiries had been removed and my credit score went up. Then on XX/XX/XXXX I received a notification that the information had changed again and checked and the previously removed inquiries were re-added and my score dropped.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items were erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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
Product: Debt collection

This debt is reporting on my credit report twice under the XXXX XXXX XXXX & XXXX XXXX and this account has since been sold to another collection agency and Ive tried to dispute debt several times between the months of XX/XX/XXXX & XX/XX/XXXXand Ive gotten any results ... Ive ask them to validate the debt and they have failed to do so ...
Product: Credit card or prepaid card

A hotel booking that clearly showed a refund amount of {$480.00} on the confirmation letter refused to honor the refund. After filing a dispute with our credit card company, Citi, they sided with the hotel. I responded with supporting evidence showing the hotel and the booking agent are incorrect. They even have a section in the terms of use that specifically states a non-refundable booking will be refunded upon request. My letter to the Citi dispute department and supporting evidence is attached. Thank you for your time. 

Booking was made via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, dispute was with Citibank.
Product: Credit reporting or other personal consumer reports

I am the XXXXXXXX  on 5 student loans for my daughter that were reported on my credit report by XXXX XXXX as 30 days past due on XX/XX/XXXX. 

The loans have been in in-school deferment as of Fall XXXX. My daughter 's graduation date is scheduled for XX/XX/XXXX. XXXX XXXX had an incorrect graduation date that showed her graduating in XX/XX/XXXX. The school subsequently sent documentation to XXXX showing her IN SCHOOL in XXXX  and a graduation date of XX/XX/XXXX, with no lapse of enrollment. 

I requested that XXXX XXXX reverse the credit reporting of a 30 day past due because the document from the school verified her enrollment at the time of the reporting. I was told by TWO customer service representatives, on two separate occasions, that I had to file a dispute with the credit bureaus to have the reporting removed. However, when I filed the dispute with the credit bureaus, XXXX XXXX did not reverse the past due reporting. Instead, XXXX XXXX verified that the past due reporting was correct. 

I am disputing this reporting for two main reasons ; 1. The letter of verification from the school explicitly states she was in school from XXXX to XX/XX/XXXX. There was no lapse in her in-school enrollment, and therefore no legal reason to remove her in-school deferment, and therefore no payment was due. The negative reporting by XXXX is illegal and an egregious abuse of power, since the consumer can not change any reporting made to the credit bureaus. The written verification from the school was sufficient to warrant a reversal of the late payment reporting. 

2. As a XXXX, I should have been notified in writing of the pending past due payments. However, I did not receive any written notification. I learned of the past due reporting from the credit bureaus. Legally, I am entitled to written notification. Upon reviewing the account online, I noticed that XXXX XXXX had changed my address to a Washington address, without my knowledge or consent. I do not live in Washington and did not request or authorize a change of address. 

3. I have made several calls to XXXX XXXX about this matter. Overall, the representatives are inept, show no concern for the customer 's plight, and merely regurgitate company jargon without exercising any critical thinking skills or problem resolution effort.
Product: Mortgage

Issues in this complaint : Improper handling of escrows Failure to pay property taxes timely Repeated provision of false information concerning the status of property tax payment Duplicate payment of property taxes with full knowledge that they had already been paid Failure to reimburse duplicate property tax payment timely Loss of earnings on retirement savings withdrawn to cover unpaid property taxes Details : Freedom Mortgage withdrew {$4900.00} from our escrow account for property taxes on XXXX XXXX, XXXX. We were scheduled to refinance on XXXX XXXX through XXXX XXXX and a few days before closing our banker informed us that the taxes had not been paid. 
I called Freedom 3-4 times between XXXX XXXX and XXXX XXXX to follow up on the missing tax payment. I was repeatedly given false information that an individual check for our taxes had been sent to XXXX XXXX. 

Our banker and the XXXX revenue department informed me that mortgage companies typically do not send individual checks for property taxes but rather bulk payments through a tax servicing company. On XXXX XXXX I requested an escalation from the Freedom call center and finally got confirmation that no check had been sent directly to XXXX XXXX. I was told that the tax processing servicer was XXXX but that they could not contact XXXX on my behalf but only open some kind of ticket with another Freedom department. The ultimate result of the " ticket '' was an email that repeated the false information that our taxes had been paid ( see attached ). 

I contacted XXXX directly on XXXX XXXX. They were able to find our taxes in the bulk transmission from Freedom, and informed me that they did not intend to pay them before the end of the year. As a result, we were forced to withdraw money from retirement savings on XXXX XXXX in order to pay this unexpected expense and fund our new loan. 

On XXXX XXXX I emailed proof that our property tax payment had cleared to XXXX and also notified Freedom ( see attached ). Despite having been provided timely notice and evidence that our property taxes had been paid, FreedomXXXX paid them again on XXXX XXXX. Freedom refused to reimburse our tax escrows at that time and said we would have to wait for XXXX XXXX to reimburse XXXX and XXXX to reimburse them. My understanding was that it should take about 4 weeks after XXXX XXXX issued a refund for us to receive our refund from Freedom. XXXX XXXX issued reimbursement on XXXX XXXX but our refund was not mailed to us by Freedom until XXXX XXXX, XXXX. 

As a result of Freedom 's actions we have lost 4 months of earnings on nearly {$5000.00} in retirement savings.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, my payment was received late. I explained to the credit bureau and XXXX XXXX  that my payment was late due to an error. XXXX XXXX didnt look into my payment history with them, because if they did than they would notice that my payments have been on time for the last 2years.
Product: Mortgage

I have contacted Bayview Loan Servicing XXXX on several occassions to request that their records be updated to reflect my current loan status. The company has recently refused to speak with me or provide account information. The company has also failed to remove erroneous data from my credit reports. A copy of my recent correspondence to Bayview with more details is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXXXXXX 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 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
Product: Credit reporting or other personal consumer reports

I ADVISED THAT MY INFORMATION WAS LOST DURING THE RELOCATION OF MY TAX PREPARER. I WAS TOLD TO CONTINOUSLY MONITOR MY REPORT. I RECENTLY PULLED A COPY OF MY CREDIT AND I SEE ACCOUNTS THAT I HAVE NO KNOWLEDGE OR HAVE AUTHORIZED. I ALSO NOTICED CREDIT INQUIRIES FROM XXXXXXXX XXXX XXXX XXXX XXXX, AND XXXX THAT I HAVE NOT APPLIED FOR I CONTACTED XXXX, EQUIFAX, AND XXXX VIA PHONE AND BY MAIL ADVISING OF THE FRAUDULENT ACCOUNTS BEING REPORTED TO MY PROFILE. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN CONSENT, REPORTING THIS INACCURATE INFORMATION IS IN VIOLATION OF 15 USC 1681B ALSO FURNISHING ACCOUNTS RESULTING IN IDENTITIY FRAUD IS IN VIOLATION OF 15 USC 1681 C-2
Product: Debt collection

XX/XX/2021, received letter to settle account from SANTANDER CONSUMER USA in full if I pay {$310.00} by XX/XX/2021. Paid {$310.00} on XX/XX/2021. Today, XX/XX/2021, Santander now says I owe {$550.00}. 

The debts on my credit were not adjusted to reflect this even after they told me three times it would be fixed within 30 days after payment ( which was done on XX/XX/2021 ), so I had to submit disputes to XXXX and XXXX. The disputes were accepted, and my accounts were fixed to display that I no longer owed Santander Auto any money. 

Today, on XX/XX/2021, Santander has updated my XXXX account saying I owe {$550.00}, and they marked on my account that I missed a payment in XXXX, dropping my credit by 12 points. My payment was accepted on XX/XX/2021 to settle the account as PAID IN FULL, how could I have possibly missed a payment in XXXX of 2021 for an account that has now been closed for multiple months? 

They clearly have no intention of being honest, and are trying to mark things on my credit that they do not have the power to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This companies has violated FCRA XXXX ( XXXX ) XXXX ) by failing to mark this disputed account as disputed XXXX ( XXXX ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This companies has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.