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

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  XXXX XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late and account is up to date. 

Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

please find attached the creditor letters for which they have approved to remove the inaccurate late marks from my credit, please help me to have XXXX remove these negative marks remove as well, the other XXXX bureaus have already removed except XXXX, i have tries to upload these letters to experian but they are not willing to remove, even though the creditor has removed all the negatives please help me to remove from XXXX thank you
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting by Affirm Dear CFPB I am writing to formally dispute inaccurate information that Affirm is reporting on my credit file. Specifically : Account that was fully paid with the original balance of XXXX. 

First issue is, Affirms Re-Aging of My Payment History : Affirm has incorrectly reported my first payment as XX/XX/year>, which is inaccurate and misleading. This misrepresentation of my payment summary has negatively impacted my credit history. Also, Affirm has incorrect Delinquency Reporting on my consumer profile 's payment summary. Affirm is reporting my account as 60 days past due as of XX/XX/year>. However, I made a payment that month, bringing my account current. Despite this, Affirm failed to update my account status to reflect current after a payment was completed on my XXXX credit Profile Payment Summary, leaving it incorrectly marked as 60 days delinquent. 

These inaccuracies violate federal and state consumer protection laws, including : Fair Credit Reporting Act 15 U.S.C. 1681s-2 ( a ) : Prohibits furnishers of credit information from reporting inaccurate or misleading data to credit bureaus. Affirms failure to update my payment status and its re-aging of my account violate this provision. 

Consumer Financial Protection Bureau Regulations : Under the CFPBs authority, creditors and furnishers are required to maintain accurate and fair reporting of consumer credit data. Providing false or misleading information can be considered an unfair, deceptive, or abusive act or practice. 

California Consumer Credit Reporting Agencies Act California Civil Code 1785.25 ( a ) : States that a company can not furnish information to credit reporting agencies that it knows or should know is inaccurate. Affirms failure to correct these errors after my account was made current is a violation of this law. 
Californias Unfair Competition Law Business & Professions Code XXXX : Prohibits unfair, unlawful, and fraudulent business practices, including misleading credit reporting practices that harm consumers. 

I already disputed this account with XXXX and Affirm continued to furnish them with this inaccurate information. Affirm is in Violation of FCRA 15 U.S.C. 1681e ( b ) ( Failure to Maintain Maximum Possible Accuracy ). 

Affirm has a duty to provide only accurate and up-to-date information to XXXX. By continuing to report the wrong account status after a dispute, they failed to meet this standard. 

I am requesting that Affirm promptly correct these errors by removing this inaccurate account from my credit report.
Product: Money transfer, virtual currency, or money service

I received 4 emails in one day of the same invoice for {$330.00} from Pay Pal. 

Pay Pal does not email unsecured invoices. this seems to be a scam invoice
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Chase Bank credit card account XXXX reporting on my credit report and negatively impacting my credit scores. I was a victim of Identity Theft and have tried to resolve this issue with Chase Bank by providing them a notarized Identity Theft Affidavit along with a Police Report and they have yet to respond or delete the account off my credit file. This is preventing me from getting the credit I deserve and need this resolved immediately.
Product: Debt collection

Company purchased a debt that wad settled by synchrony bank and added debt to my credit report as collections when debt was already sweetly by company through cfpb 2-3 years ago. The debt they're claiming is estimated {$950.00}. In cfpb records debt was settled by company. Synchrony honored all of ghee previous payments and the fact that I am a XXXX XXXX unemployable XXXX   veteran to go along with payments and debt was settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

So the issue is this is my third time applying for a Sams Club business XXXX and the reason I keep denying me they keep saying that my dbnnumber is not correct. Which it is the second reason they said they dont have my correct address but the at the able to mail me the decline letter I apply for XX/XX/2023 and he said it was pending. 
So the last time they told me to call them in the pending so I called and talk to someone in a symphony business XXXX so now it is saying my Social Security number wasnt on it which they already have them on file. Every time is a different reason they not see my credit agencies denying me. I belive because Im a XXXX business owner. Because they saying the same thinks which when I apply I go in to sams clubs with all the propers paper work.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Experian : ( XXXX XXXXXXXX ) ( Account Number : XXXX ) I challenge the accuracy, compliance and reportability of this listing. Please validate this information with XXXX XXXXXXXX and provide me with copies of any documentation associated with this account, bearing my signature. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your re-investigation. 

In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. 

I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt this complaint may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX was received noRficaRon of the Deferred Deposit TransacRon Agreement with Maturity date XX/XX/XXXX. This was a ONE Rme repayment offer automaRcally accepted while accepRng the loan process. Following this, I opted for 4 repayemnt plan provided by the loan process. Close to the due date, I was able to reschedule all 4 payments to a future date. ( Proof aHached ) When I finished the loan applicaRon and went over the agreement, you The Lender states and I quote ; - ... We may allow an extension of Rme, or a payment plan, for repayment of an exisRng deferred deposit transacRon but may not charge any addiRonal fee OR change of any kind in conjuncRon with extension or payment plan. 
On XX/XX/XXXX I contacted support via email to resolve my Bank issue and pay off my loan. I communicated via email with XXXX which it took her 6 days ( from XX/XX/XXXX to XX/XX/XXXX ) to resolve and take all 4 payments at once, even though that wasnt my request. My first contact was on XX/XX/XXXX and being 1 day late aeer my first payment due date ( AHach the rescheduled payment confirmaRon for your records ). Records show that all payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) were successfully rescheduled to a future date outside your alleged grace period twice ( XXXX XXXX ). Why is XXXX XXXX XXXX allowing customers to extend repayment plan more than once and passed your 29 days grace period if your policy says I could be reported to credit bureaus, yet, no warning was displayed when confirming this change???. I had aHached proof of it for your records. Policies and agreement state the grace period of 29 days applies aeer 1st payment scheduled for one single loan term. 
Based on my first payment due day of XX/XX/XXXX and paying off all 4 payments on XX/XX/XXXX and XX/XX/XXXX I was ONLY 23 days late. 
When I talked about the wrongfully reporRng to credit bureaus with XXXX she said ; XXXX, I appreciate the feedback. However, when you reached out to link your bank account on XX/XX/XXXX the payment was already more than 30 days past due. ( Not True ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX of XX/XX/XXXX, the payment had already hit 30 days past due. We received your email in regards to updaRng your bank account on XX/XX/XXXX. ( Not True ) Since two of the payments were made outside of the 29-day grace period, we are required by law to report them accordingly. ( Not True ) We can not delete the reporRng informaRon since as a furnisher under the FCRA, Possible must report all payment informaRon in a fair and accurate manner. 
Thank you! 
Best, XXXX from XXXX XXXX in all, my intent is to seek legal counsel but not before giving you the opportunity to resolve this issue outside the court system. Please update my records, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe may be fraudulent and violate my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, there are several unauthorized inquiries on my credit report that I do not recognize and did not authorize, which I am requesting to be removed immediately in accordance with my rights under the FCRA. 

The following inquiries were made without my authorization : XXXX XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX  - Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX - Date of inquiry : XX/XX/XXXX In addition, there are several accounts listed on my credit report that have questionable names and account numbers that I do not recognize, which I am disputing in accordance with my rights under the FCRA. The details of these accounts are as follows : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX - Account Number : XXXX Under the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report, and I am requesting that you investigate these items and take appropriate action to remove them from my credit report. Thank you for your attention to this matter. 

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

Accuracy and fairness of credit reporting ( 4 ) There exercise their grave responsibilities with the fairness, impartiality and a respect for the consumer right to privacy. 15.U.S. code subchapter lll credit reporting agencies. In general subject to subsection ( c ), any consumer reporting agents May furnish a consumer report under the following circumstances and no other. ( 2 ) and accordance with the writing instructions of the consumer to who it relates.

1681 ( I ) Prohibition ( a ) reporting information with actual knowledge of errors a person should not furnish any information relating to a consumer to any consumer reporting agents if the person knows has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

BMW auto has report a 30 day late on my credit report. The date of the derogatory was XX/XX/XXXX 2017. This payment was never late as evidenced from the payment history provided by BMW on the attached XX/XX/XXXX & XX/XX/XXXX statements. Payment due on the 6th of each month, both monthly payments paid prior to the 6th.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors.
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted. company information transuion.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Over a couple months ago I sent HP SEARS a Validation of debt letter to validate a collection that they have listed on my credit report under the FAIR DEBT COLLECTION PRACTICES ACT. HP SEARS RESPONDED by sending me Itemized list of alleged charges they claim I owe and not what I ask for to Validate the debt. HP SEARS did not provide me with some of the following, I ask please provide me with copies of any papers that show I agreed to pay what they claimed I owed, explain to me how you calculated what they say I owe. They did provide me with any paper to show that they are even licensed to collect in my state. So I also notice that HP SEARS was still reporting a collection on my credit with out giving me a proper validation which is considered a collection activity which puts them in violation of the FCPDA. I sent this company a follow up letter to explain to them that I do not agree with what they sent me. It was later deleted from my credit from all three credit bureaus for maybe three weeks. H.P SEARS has placed it back on credit with out any letter or proper validation of the debt! I kept all copy 's of the letters that they sent that I need to show they did not follow the FTC, or the FDCPA guide lines of what constitutes proper debt validation. 
Additional Information About You ( optional )
Product: Checking or savings account

Bank of America is closing my account without explaining why. 
1. First event happened when the bank could not explain who was getting into my credit card account and being able to tell me what amount is left on my credit card. 

2. XXXX, after speaking with the bank for over 90 minutes on XXXX separate calls. The bank was not able to see or explain a deposit that was placed in my account. Within a few hours there was XXXX " debit holds '' placed on my account and the bank was not able to explain who and how someone was getting into my account being able to deposit and then withdraw monies from my account. 

Instead of the bank trying to figure out who or what was happening to my account and credit card, they decided to close my accounts " without explanation ''. 

XXXX, deformation of character, and embarrassment has been caused by the closing of my accounts. After over 35+ years my accounts are being closed without any JUSTIFICATION. 

Currently, I have XXXX  monthly direct deposits to these accounts. 

Your assistance would be greatly appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FCRA my consumer report needs to be 100 % accurate. 
Please see attached. Address proof attached to document. Experian 's website says if it is a minor deviation, it is okay. It is NOT OKAY, because its incorrect, its erroneous and fraud if you continue to report the inaccuracy.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Debt Validation and Removal of Credence Debt Collection from My Credit Report Dear Equifax, I am writing to formally dispute the Credence debt collection account listed on my credit report. I have previously opened disputes regarding this account, and each time I was informed that the matter had been thoroughly investigated. However, given the recent lawsuit filed against XXXX by the Consumer Financial Protection Bureau ( CFPB ) regarding insufficient investigation of disputes, I feel compelled to challenge the validity of your previous investigation of this matter. 

I am requesting that Equifax validate this alleged debt by providing all original documents related to the account, including any agreements or proof of ownership of the debt. If you are unable to verify the validity of this debt as required under the Fair Credit Reporting Act ( FCRA ), I respectfully request that you delete the Credence debt collection account from my credit report immediately. 

Please note that inaccurate or unverifiable information on my credit report negatively impacts my financial standing, and I take this matter seriously. I expect a thorough and fair review of this dispute. Additionally, I request written confirmation of the results of your investigation and any updates made to my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response within the XXXX timeframe mandated by the FCRA. Should you have any questions or require further information from me, please contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX
Product: Student loan

I called and to let them know that I did n't have a job. I wanted them to put my loan in forbearance.They told that they could n't do that that, I would have to repay no matter what my circumstances. Not only was the agent nasty but down right mean. I had to agree to a repayment amount which I clearly could not repay. Even after I went over all my bills with the agent.
Product: Credit reporting or other personal consumer reports

The credit report reported is inaccurate because I sold my vehicle to a dealership on XXXX XXXX XXXX, which was dated before my next car payment was due. The dealership, XXXX of XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX, took full responsibility for paying off the car completely the moment I signed over the vehicle. If you look at my account, you can see that a complete payoff of {$35000.00} was made on the car I was financing from XXXX XXXX. It saddens me that my XXXX XXXX I worked so hard to build up into the XXXX was dropped by more than XXXX points because of a negative delinquent account that was wrongfully reported. On record, it is shown that I contacted Toyota Financial Services, and on XXXX separate occasions, I made them aware that I sold the car, and it was noted on my account that a full payoff was going to be made by the dealership. It was noted on my account, and yet I still got panelized. After being given multiple apologies, I was advised to write a letter and dispute the report. I wrote the letter to XXXX XXXX and got no response and I was also denied understanding by XXXX. I am a XXXX self-employed woman ; I have struggled but yet managed to make all of my car payments on time to protect my XXXX XXXX and I am begging for some understanding in this situation. I have attached proof from the dealership that I sold the vehicle prior to my car note being due for reference. I need someone to please look into this situation properly, I have all documentations to support my claim and I can provide them. 

I request that the above-referenced report be corrected so as to remove the past-due delinquent account on my credit report, and to further reflect that the debt of the vehicle was paid off in full.
Product: Payday loan, title loan, or personal loan

Two weeks ago, I attempted to access my account through the upgrade.com website, as this is the only way to make payments. I was denied access because my phone number had changed and now no longer matched what they had in their system. It did not matter that I answered every single question they hadthey were adamant that I could not gain access. I asked them to change my number to my new number. I emailed everything they asked for but instead of changing my phone number, instead I would get another email wherein they would add another requirement. Ten ( 12? ) emails later, I STILL can not gain access. I can not make my payments because no access. They do NOT send me bills. They only way to see my payment owed is to access the account. I have proof of every requirement and my response.
Product: Credit reporting or other personal consumer reports

I've contacted the company on date ( s ) : XX/XX/year>, XX/XX/year>, XX/XX/year>. Through online dispute via XXXX XXXX, via XXXX XXXX Mail, via credit bureau sites ( XXXX, XXXX, XXXX ), Complaint made to CFPB via website. 

Company put account in cease and desist status and continued to report on consumer report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues, such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither correct nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.