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

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Debt collection

I am lodging a formal complaint against asset care llc debt collector. This debt collector has reported derogatory information on my credit reports for a debt in the amount of {$1000.00} which isn't my debt. Asset care llc never sent me a dunning notice in the mail which would have gave me 30 days to dispute the validity of this debt which isn't mine. Not even a phone call. Asset care has violated the fdcpa/fcra. This is unacceptable and this is happening at the worst time possible. I am in the process of purchasing my very first home for my family and I. I am now being told this errounous account is holding me back! I am requesting this account be deleted immediately from my credit reports. XXXX, and attorney general complaints will be filed if this account isn't deleted immediately.
Product: Money transfer, virtual currency, or money service

PayPal limited both my PayPal accounts ( 1 & 2 ) on XX/XX/XXXX, while one of them ( 1 ) has {$1400.00} balance remain. I submitted required documents to both accounts on the same day. In their  instructions, it said take 2 business days for review. However, on XX/XX/XXXX, my account 1 still shows submitted for review, and my account 2 shows completed but limitation remains. I called PayPal and they ask me to resubmit provide of address for account 2. So I resubmitted on the same day. I have been waited for three business days, but the limitations on both of my accounts still no resolve. On XX/XX/XXXX, I called again about my cases process, but all I get for answer is I have to keep patiently waiting and no one can help me, even I waited for one or two months.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, the XXXX, equifax, and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you reeving this complaint. This fraudulent inaccurate, and false information consists of a personal credit card opened with XXXX in XXXX along with numerous auto loan inquires made in XXXX with XXXX  XXXX, XXXX  XXXX auto finance, XXXX  XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX. These accounts have resulted seversl frsudeletn hard inquiries and fraudulent collections appearing on my consumer credit report. I do not recognize any of these items listed and they were not made, opened, or initiated by me. I have attached a copy of my FTC identity theft criminal complaint ( # XXXX ) as proof from the US federal trade commission that all aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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 writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX MTR Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments reported were due to a technical issue with XXXX XXXX 's billing system. My payments were made on time, as confirmed by my bank records, but they were incorrectly posted late due to a delay in the creditors system. This error resulted in my account being marked as 30, 60, and 90 days late, which is not reflective of my actual payment behavior. 
Evidence provided : Bank statement showing the payments made on time. 
Correspondence from XXXX XXXX acknowledging the technical issue with their billing system. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am filing this complaint due to Equifax 's mishandling of my identity theft report and its failure to comply with FCRA XXXX XXXX. Despite my submission of a XXXX deletion request on XX/XX/year>, through CFPB complaint # XXXX, Equifax has not removed fraudulent accounts from my credit report within the legally mandated XXXX business days. My request included a sworn crime report, proof of identity, and proof of address. Multiple follow-up calls with Equifax supervisors have not resolved this issue. 

Timeline of Events and Relevant Details : XX/XX/year> : Submitted a XXXX deletion request to Equifax with all required documentation to block fraudulent accounts via CFPB complaint # XXXX. 

XX/XX/year> : Contacted Equifax to check the status of my request. XXXX XXXX ( XXXX # XXXX ) indicated that the dispute was still under investigation, despite XXXX not requiring creditor verification. 

XX/XX/year> : XXXX XXXX ( XXXX # XXXX ) reiterated that the dispute was ongoing. I reminded him that FCRA XXXX XXXX mandates no further investigation once an identity theft affidavit is submitted. 

XX/XX/year> : XXXX XXXX ( XXXX # XXXX ) stated that my XXXX request could not be blocked and that I would need to wait XXXX  days, contradicting the laws XXXX processing requirement. 

XXXX XXXX XXXX XXXX  Spoke with multiple Equifax representatives XXXX clarify my request : XXXX, XXXX Department XXXX XXXX ( XXXX # XXXX ) incorrectly opened a regular dispute rather than a XXXX block. 
XXXX XXXX ( XXXX # XXXX ) : Informed me that he could not assist with the fraudulent account issue. 
XXXX XXXX ( XXXX # XXXX ) : Stated that she could not help ( Complaint # XXXX ). 
XXXX XXXX ( XXXX # XXXX ) : Claimed that Equifax employees could not review dispute documents and only the back-office team could handle this task. 
Concerns and Requests : Equifax has repeatedly mishandled my XXXX deletion request, treating it as a standard dispute and ignoring legal requirements to block fraudulent accounts without further investigation. This has resulted in delays that violate my rights under FCRA XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account initially before hitting my credit report. 
The company ignored my request. 
I have court documentation and I have supplied the company after they failed to do their own investigation. 
I would like this debt removed until they have concluded the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification that my account was 45 days past due. I have had this account since XX/XX/1995with no late payments ever. So I sought to understand how this transpired. 1. I received a new card with changed t
erms and XXXX disabled my auto pay. 
2. I went on line to re-establish the autopay set up. I also made payments of {$500.00} for the month of XXXX and XXXX. 
3. XXXX processed two payments for the month of XXXX for {$500.00} and autopay for whatever reason was not set. 
4. Consequently, the payment for XXXX was not processed. 
5. When the XXXX Payment went past due, I did not receive a phone call. 
6. I was added to the do not call list without my authorization and is the reason why I did not receive a phone call that my account was past due and therefore could not take corrective action. 
7. It appears an old number ( XXXX ) XXXX was called on one of my other XXXX-not the account in question. XXXX authorized a do not call without my speaking to me. They never called me on the correct number that was tied to the account in question. It seems protocols were not followed. 
8. So here I am with a 30 day past due on my credit report due to no fault of my own as XXXX disabled my autopay, processed payments incorrectly and authorized a do not call without my permission. I would like to have this corrected on my credit report. 
9. We are in the middle of a pandemic and I understand the banks are overwhelmed and many people are in financial distress. So, things may have slipped through the cracks. However, I should not be penalized for attempting to pay my account on time as I always have.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  was reporting account number XXXX on my credit report as being 30 days past due XX/XX/2014 and 60 days past due XX/XX/2014. I did not realize that I was ever late on these dates so I requested the Credit bureaus to do an investigation to ensure this account was reported accurately. Well when the results came back, XXXX updated my account to show that I was currently past due. I have attached a screen shot of my account from XX/XX/XXXX and attached a screenshot of my account from XX/XX/XXXX so you can see that the payment status shows that I am currently past due. How is that possible? How can I be currrently late when the account has been closed since 2014. This caused my credit scores to drop 100 points.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. 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 XX/XX/year> 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. 

XXXX XXXX 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 billed while being on a fix income and XXXX on XXXX XXXX and XXXX XXXX for XXXX dollars from XXXX XXXX XXXX.It 's been on going since XXXX XXXXThe account # XXXXI would like it to be remove from my cridet report under section. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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 infromation .Any other adverse item of informtion other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681- @ ( A ) ( 1 ) A person shall not furnish any informtion relating to cusumer to any comsumer 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

There is no sufficient information to support the credit bureaus claim. The payment here is sent in advance so I don't understand why this is past due..Please fix this for me.. I was not late on 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

The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX  XXXX, AND XXXX XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations Equifax to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach.
Product: Credit reporting or other personal consumer reports

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 have given you my identification as well as the information requested from the list of acceptable items, which are only two required Per the Law. I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

After getting a full credit report for all three credit agencies XXXX, XXXX and Equifax, I noticed that some items were not on my credit report and also XXXX has not updated my credit report since XXXX when it comes to my credit cards missing information. My XXXX report shows that I am an authorized user of XXXX XXXX Reported : XXXX XXXX, 2023 for a credit line of {$1200.00} and 19 years and 3 months. But this account is missing on my XXXX and Equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Credit card or prepaid card

Capital one placed a derogatory mark on my credit and made my credit score dropped significantly. I called up to try to work with them and restore everything and they were unwilling to work with me. I feel this is unfair and should be made known to the public to be aware of this company. They do not work with you.
Product: Student loan

As of today, XX/XX/2022, my private student loan with Navient is past due. The due date was XX/XX/2022. Navient has been calling me incessantly about this while I am at work. I am unable to take outside calls at my job. It's sufficient for them to call one and leave a message for me to return instead of harassing me throughout my work day.
Product: Credit card or prepaid card

On XX/XX/2018 JPMorgan Chase Bank closed my personal and business credit cards. The reasons of closing the accounts by the bank are the following : 1. Rapid increase in revolving balances 2. Too many requests for credit or/reviews of credit I called the bank and explained the reason No. 1 as My business is growing so my buying power is going up but at the same time I am paying my balance in full amount every time I buy and I auto full pay my credit cards from my business checking account. I am never being late from the day I got these credit cards from JPMorgan Chase bank.

For reason No. 2, the bank told me that I am requesting too many credit cards every month and I was shocked and told them that I did not do that. So, they told me to contact the credit bureaus. I called the XXXX Credit Bureau to send my credit report to me. After looking at the report, there were 21 inquiries for credit cards which I have disputed with them and they deleted those 21 inquiries from my credit report. 
After that, I called Chase bank to reinstate my cards. The supervisor asked me about what I am buying from XXXX wholesale and where I sell those merchandise. I provided them all the detail information about my buying and selling. They told me they going to review my application again and will get back to me in four to five hours. After thirty minutes, they called me and declined my application. The reasons they gave me now are the following : 1. This account and/ or related account was closed at the banks request.

2. Rapid increase in revolving balance. 
I explained them about the rapid increase too many times and they agreed but not opening my account. My business is affecting from XXXX XXXX till now. I do not want to go to another bank and start from zero.
Product: Debt collection

credit card has been paid in full. but it was just updated to my credit report and im not agreed to that because i didnt want that. what i would like is to be totally removed from my credit report thanks
Product: Debt collection

I received a purported debt validation letter that appears to be a resolution offer from Radius Global Solutions LLC. This correspondence failed to include any statutory dispute rights. Pursuant to federal law, they are mandated to incorporate a statement affirming my right to contest the debt within a 30-day period, along with the specific end date of said period, which was conspicuously absent. My unawareness of this omission has consequently deferred my response to the company.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> to Cease and Desist all forms of communication via phone, text, mail, email, voicemail, and all consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard credit inquiries on my credit report that I didnt authorize. I need ALL of them removed since I was a victim of identity theft ; 15 U.S.C 1681G Law violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information is all over black web so my information is over with right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy in XXXX and Equifax is showing my payment history as N/A. Immediately prior to that I had 100 % payment history. No late payments. But for some odd reason, Equifax decided to show my payment history no longer has 100 % excellent payment history, but rather theyre showing an N/A status which is further hurting my credit score. Its like they erased my excellent past 100 % past payment history.