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

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the inaccuracies persist. 
Summary of Errors and Discrepancies : Account XXXX : XXXX XXXX XXXX : {$4200.00}, inconsistent with other bureau reports. 
Date Reported : XX/XX/XXXX, conflicting with payment updates in other records. 
Date of Last Activity : XX/XX/XXXX, differs from XXXX and XXXX. 
Date of Last Payment : XX/XX/XXXX, not aligned with other records. 
Two-Year Payment History : Late payments reported as 30 days late in XXXX, 60 days in XXXX, and 90 days in XX/XX/XXXX, contradict verified records showing timely payments. 
FCRA Violations : Failure to ensure maximum possible accuracy as mandated by XXXX XXXX XXXX XXXX ( b ). 
Non-compliance with the investigative procedures outlined in 15 U.S. Code 1681i.

Reporting inaccurate information violates 15 U.S. Code 1681s-2.

TILA Violations : Inconsistent and late reporting violates 15 U.S. Code 1666b, requiring timely disclosures.

Failure to accurately report billing information as per 15 U.S. Code 1637 ( b ). 
Desired Resolution : XXXX removal of the late payment notation from my credit report. 
Written confirmation of the correction. 
Failure to address and correct these inaccuracies will result in further escalation, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I opened a checking and savings account online with Chase on XX/XX/2020. Everything went well and I got welcome email dated XX/XX/2020 and physical welcome letter from them in following week. I also received debit card associated with my checking account. Surprisingly, I also received a letter the same day from the chase saying the accounts were closed that was dated XX/XX/2020. I tried to log in to the account online and it said the account is closed and a customer service number was mentioned to contact for further details. When I called the number the agent said I need to go to a branch for verification. I was surprised the agent said that account might have been closed if I did not respond to the verification call they must have made before closure and I am certain that I did not receive any calls from Chase before. I visited the branch the very next day i.e. XX/XX/2020. They tried to look into the matter and said they can not find a specific reason for account closure but the accounts are closed and can't be reopened. The only solution I was given was a new one. The problem was that I opened the accounts with a promotional offer of XXXX $ when you open a new account to chase : checking and savings, subsequently.The promotion was valid until XX/XX/2020. I requested the manager if they can give me the same promotion. They asked me to come next day i.e. XX/XX/2020 so that the agent can ask the specifics from the manager. I did call in before going to ask if same promotions will be added, they said yes. But due to some reason I missed going the said day. Instead I planned to go XX/XX/2020. I called in again before going to the bank and the representative who was dealing with me had been moved to another location. I requested the agent on call with the complete details to make sure my trip to bank is not wasted and she suggested to call me back. I heard back from her and she said the manager was in meeting and she can only contact the manager after the meeting. I asked her politely to give me a call even if the answer was no but I never received a call back from her or the bank. I felt no point in contacting the bank again. This is how Chase closed my accounts without any proper justification or giving any time to fix something that was missing and cheat me out of a great promotion.
Product: Credit reporting or other personal consumer reports

There are four hard inquires on my equifax credit report that I did not authorize nor do I recognize. Ive reached out to the companies but unfortunately couldnt get anywhere. 
XXXX XXXX automotive is a car shop they dont pull credit. I got this information when I called the number attached to my inquiry. 
XXXX and XXXX XXXX  are unauthorized, XXXX doesnt have real contact information.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the continued presence of unverified items on my credit report. Despite my previous two written requests, the unverified items listed below remain on my credit report in violation of Federal Law. In your responses to my dispute letters, you stated that you have verified that these items are accurate. However, you failed to send me copies of the documents used to verify these accounts, as requested. 

The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts as you claimed. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law.

Based on the following case law, child support accounts are not credit transactions and should be treated as judgments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Case : No. XXXX, XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX : XXXX Date : XX/XX/XXXX Court : XXXXXXXX XXXX XXXXXXXX XXXX vs. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX al XXXX Case : XXXX C XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX These cases indicate that child support accounts should not be reported as credit transactions. According to these rulings, unless advised otherwise, Equifax must comply with this legal interpretation. 


Equifax has specific guidelines regarding the inclusion of certain items on credit reports. For instance, tax liens are no longer included in credit reports as of XX/XX/XXXX, thanks to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) implemented by the three major credit bureaus. However, when it comes to delinquent child support debt, judgments, fines, or liens, XXXX allows collection purposes only under specific conditions : 1. **Court Order** : You must have a court order authorizing a consumer reporting agency to provide a consumer report. 
XXXX. **Consumer Authorization** : Alternatively, you need written authorization from the debtor to obtain a consumer report. 
XXXX. **Credit Transaction** : Some type of contractual agreement with the consumer that rises to the level of a credit transaction under the law. 

Given that Equifax has failed to follow its own guidelines, I am requesting the immediate deletion of the following unverified item from my credit report : - **Account Name** : DEPT OF JUSTICE XXXX XXXX XXXX XXXXAccount Numbers** : # XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX If the above-mentioned items are not removed from my credit report within 30 days of receipt of this letter, I will have no choice but to pursue all available legal remedies to enforce my rights under the Fair Credit Reporting Act with the XXXX XXXX XXXX. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I called Barclays card customer service to change my payment automatic payment method on  XXXX   XXXX    XXXX  . The reason I was changing my payment method was due to the fact my checking account was closed and changed to a different banking institution.     I was denied the ability to provide my payment information due to the fact of the tone of my voice. I feel appalled because I have a deeper voice then what the customer representative felt a  XXXX   XXXX   XXXX  female should sound like. I find this offensive and disrespectful.     I even asked for th e manager  who I spoke to  XXXX  and I was still denied. I verified all security questions and even additional security questions not normally asked.     -Last  4  social -Telephone number -Birth date -My husbands name I even offered my full social or mailing and property address.     This is very disrespectful especially when all I wanted to do was make sure the payment was paid on time. I am already having a hard time trying to make my payments and for them to make it more difficult for me is insane.     Being discriminated because I sound like a male? is that what this world has come to? what if I looked like a male in person or a female? Discrimination is a crime and I want this taken care of.     I was then asked to send in a copy of my ID and or utility bill to verify it was me. The funny thing is it was going to take  2 w eeks for them to verify me?     In my mind i was thinking how about my  XXXX  profile. Again Absurd I know however I am furious.     I want nothing to do with your company no longer. Especially since you are making it so difficult to make payments.     Charge off my balance!!! need I say more to discriminate someone by the sound of their voice is inhumane.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) 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.

Please remove the following items from my credit report immediately XXXX XXXX and XXXX XXXX XXXX
Product: Credit card or prepaid card

i made a XXXX payment and they cashed check but never credit my account
Product: Money transfer, virtual currency, or money service

I tried to get money off my bluebird card and come to find out my account was hacked as result I loss the {$130.00} and my account shut down and they refused to fix it or listen to me. I don't know even know the person who sent money and futher more you have to have my atm pin to send me money which nobody knows but me which mean I was hacked
Product: Student loan

I have been under the PSLF program with Fedloan Servicing for three years now, just began the fourth. In this time-the lack of timely responses, delays and incompetence of the lender and program has grown. This has created frustration, increased payments and longer time paying this monthly debt to qualify forgiveness for me and my family! Current months paid are incurrent on one loan. It took 5 MONTHS this past annual renewal to get processed. Multiple times I was told they could n't read the documents sent in multiple ways by their own method, scan, photo, e-mail and fax! Telling me in coversation it was something on my end! Then, just before I mailed the packet of documents I was informed the IDR was approved and amount of monthly payments. How is that possible??!! Shady.Shady.Shady. I was NEVER informed by e-mail or phone of issues. When I looked in my inbox on the site, it just stated denied without reason ( s ). I would follow up after sending in multiple times asking if legable and was told I would be informed, I was n't.
Product: Debt collection

The debt is being report on my credit report and I was never notified about it.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/year> ]. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution.

Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has listed my account as a reposesion when it was not. the car was stolen and found by the XXXX. We worked a way whereby the car company would sale the car they made a profit of XXXX and gave me a {$1000.00} Please help me correct this
Product: Credit reporting or other personal consumer reports

" I am a victim of a data breach and identity theft. 
Kindly block and delete the account within 4 business days as required by XXXX  XXXX, XXXX XXXX XXXX. Please find the attached FTC reports and other relevant documents.
Product: Credit card or prepaid card

In XX/XX/XXXX the due date of the Capital One Walmart card was changed to the XX/XX/XXXX. I could see this information at the end of XX/XX/XXXX when I checked my account online. It stated that {$28.00} minimum due on the XX/XX/XXXX. However when I went to pay the bill on the XX/XX/XXXX I noticed that I had received a past due fee of {$28.00} on the XX/XX/XXXX. I called today the XX/XX/XXXX and requested to know why if the online screen of their company showed a due date of the XX/XX/XXXX that I was charged a late fee of {$28.00} on the XX/XX/XXXX. 
The rep i was talking to said that even though the online screen showed a date of the XX/XX/XXXX that the statement ( which i had in XX/XX/XXXX signed up to have the statements delivered via email ) stated the XX/XX/XXXX was the due date and that is what they have to go by. I asked specifically why then does the web site say i have until the XX/XX/XXXX to pay the minimum due? That is extremely miss leading. He didn't have any answer for that. So i don't know how many other customers are having this happen where the online screen shows a due date and yet the company is going by a different one and charging fees accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is XXXX is still reporting bankruptcies that came back from the courts unverified and after the proof were sent to them they are still reporting them and stating that it is accurate when in fact it is not. I tried to resolve this with them and they have not provided any validation or proof.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
Account nameXXXX XXXX open XXXX # XXXX {$260.00}, Account name XXXX XXXX on XXXX {$25000.00} # XXXX, Account name XXXX XXXX XXXX XXXX ON XXXX {$110.00} # XXXX, Account name XXXX XXXX XXXX open on XXXX {$200.00} # XXXX, XXXX XXXX {$12000.00} # XXXX open on XXXX has violated my rights. 

I looked at my credit report on XXXX XXXX XXXX  and noticed some things 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax indicates that my credit information MAY have bee compromised with the XXXX XXXX stolen credit records. 
I have been trying to enroll in their credit monitoring system since the hack was reported. 
I attempted to enroll in their online system on XXXX, and multiple times since then, only to be told " the system is unavailable-try again ''. 
After weeks of this response, I called their customer service number and I was told on XXXX/XXXX/XXXX that " we will escalate this to our technical support team-they will respond within XXXX business days. 
Equifax advertises that consumers are offered free credit monitoring services as a result of their security breaches, but a consumer can not take advantage of this offer if they can not enroll in the service. 
Equifax should be held accountable for their breach and provide this service immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seeing that the world was and still in a pandemic with Covid and me dealing with deaths due to XXXX and being their for immediate family as well as grieving I honestly overlooked the bill. It is funny how they have assistance for those who are experiencing hardship due to XXXX, but no compassion for those who inadvertently forget to pay a bill and never been late. I had this account for over 9 years and never missed a payment and when they finally got in contact with me I then pay the balance off in full apologizing for missing the payment. 

Not only did they report it after I asked not too due to the circumstances they also blocked my account for further use. I mean really and I missed 1 payment and turned around and paid the entire balance off. Bit to mention other store cards I have with XXXX  have also been restricted and I am about to cancel and close all of the cards that had for years and once again never been late. 

To top it all of I put in a dispute early this month when I seen the reporting and it was removed, but once I requested to close the account they retaliated and put the negative remark back on. How does a company get way with that. They can remove it ( I have screen shots ) but when I choose to close the account they can go back in and place it back on. 

I need someone to step I. And look at the larger picture of a consumer who has several cards with this bank and never Been late for a number of years, we are not speaking of 1-3 years. 

Please step in to help rectify this issue. 

Thank you
Product: Credit reporting or other personal consumer reports

This letter is regarding an account : WAKEFIED AND ASSOCIATES XXXX XXXX XXXX XXXX, TN XXXX AMOUNT : {$1500.00} ORIGINAL CREDITOR : XXXX, XXXX, XXXX. This company have been reporting fraudulent inaccurate information on my credit report. WAKEFIELD AND ASSOCIATES, agreed to remove from my credit report and notify all three credit bureaus ( XXXX, XXXX, XXXX ). They removed/deleted account information from XXXX ; but reopened the account on XXXX and XXXX. The account was disputed ; fraudulent reporting. This is a clear FTC violation and must be investigated. 15 USC CODE 1681S-2, congressional reporting must be 100 % accurate. This a violation according to the FDCPA and the FCRA ; along with the corresponding local state laws.
Product: Checking or savings account

I opened a checking account with TD Bank in XXXX. I deposited about {$150.00}. However I did n't use the account until years later when I payed a credit card bill for about {$100.00}. I never knew there was a maintenance requirement meaning a balance had to be maintained. Apparently I fell below that balance after paying my credit card bill and I was incurring a maintenance charge every month. I never received a monthly statement from TD Bank or an email alerting me to the fact that I was incurring this maintenance fee. However I just received a notice of the bank closing my account and I had a balance due of {$41.00}. 
I went into the TD Bank yesterday where I opened the account to inquire what was going on. I was told about the maintenance charge and the balance due. I explained to the customer service agent that I never received any bank statements from TD Bank and never was told there was a required amount of money to be kept in my checking account when I opened the account. The customer service agent called the assistant Vice President to talk to me, XXXX XXXX who explained to me that I would not be reimbersed for the maintenance fees that TD Bank charged me even though they never sent me checking account statements. This was final. When I got home I reviewed the information that TD Bank gave me when I first opened the account and there was no information about maintenance fees or required monthly balances. I am out about {$50.00} but it 's the attitude of this bank that is worthwhile noting. I am a senior citizen and even {$50.00} means something.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my consumers report and noticed that I had a late payment 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 account # XXXX. Also, I have noticed they have sold my account to a collections agency without giving me a notice, By law, a consumer must receive written notice ( known as a debt validation letter ) within five days of the collectors initial attempt to contact you. That notice must include the amount of the debt, the original creditor to whom the debt is owed and a statement of your right to dispute the debt. Please investigate and provide proof with statements showing that these payments were late and to provide proof that they sent me a debt validation letter within 5 days of the collectors initial attempt to contact me. If proof can't be provided, I demand these payments to be updated to on-time as they should be, as I were NEVER late or remove this account from my consumers report, Thank you.
Product: Credit reporting or other personal consumer reports

Please contact Equifax and XXXX in reference to student loans on my credit report. After submitting a dispute and several phone calls since XXXX XXXX XXXX both reports remain incorrect. I request that the student loans are removed based on the PLSF program. I would also like am updated copy of my reports from both agencies.