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

XX/XX/year> Subject : Formal Complaint for Inaccurate Late Payment on Credit Report. 
Dear CFPB, I am submitting a formal complaint against Equifax for its failure to correct inaccurate information regarding late payments reported on my credit report for account XXXX Despite multiple requests for correction ( letters dated XX/XX/scrub>XXXX XXXX XXXXXX/XX/year> ), my requests have been ignored. As a result, Equifax is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information within consumer files. The continued reporting of incorrect late payments on my account directly breaches this requirement. Additionally, 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 this account suggests a failure to comply with this requirement. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The misreporting of late payments on my account has adversely impacted my creditworthiness, causing undue harm. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the responsibility of creditors to provide timely statements, thereby preventing unfair penalties to consumers. The inaccurate late payment reporting on this account directly violates this protection, affecting my financial standing.

Account Information and Discrepancies : Equifax Equifax maintains inaccurate data despite disputes : Days Late - 7 Year History : Reports two 30-day late entries inaccurately. 
Ongoing Issues and Lack of Resolution Since my last dispute, there has been no change in the reporting by Equifax. The incorrect entries have persisted despite clear evidence of their inaccuracy. This ongoing negligence has caused significant harm to my creditworthiness and financial well-being. 
I am formally requesting an immediate correction of the inaccurate late payment notation from my credit report, in alignment with XXXX removal of the account. If this matter is not promptly addressed, I will escalate my complaint further, considering potential legal action and additional complaints with relevant regulatory agencies. 
Thank you for your attention to this matter. I look forward to a swift resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

- Recently paid down large amount ( {$5000.00} ) on Bank of America credit card balance for an upcoming international trip ( XX/XX/2023 ) - Tried to use the card after the funds had posted ( XX/XX/2023 ) and noticed transactions being declined despite expectation that there should be plenty of credit available. 
- Looked at account ( XX/XX/2023 ) and noticed the available credit was reduced after my payment posted. 
- There was no alert or notification before, during, or after the payment indicating that there was an issue and my credit available would be reduced. 
- Called Bank of America on XX/XX/2023 to discuss what the issue was. 
XXXX Bank of America noted that due to a previous amount that had gone over the limit, once this payment posted they automatically dropped my limit down to exactly the amount I had paid down to as of XX/XX/2023. I asked if I make additional payments on the card will the credit amount continue to be reduced to which they were not willing to share and could not tell ; effectively rendering the card useless since as I make payments, the open credit will continue to disappear. 
- The transaction in question was a charge by XXXX for which the amount was well beyond my rental agreement and knowing that the amount was excessive and beyond the limit of my credit card I did not expect the transaction to successfully be charged to my Bank of America credit card and informed XXXX at the time that " I do not approve this transaction. '' However, XXXX charged the Bank of America card anyway against my request and the unauthorized transaction for {$2300.00} successfully went through, pushing my Bank of America Card over its limit. 
- On my call with Bank of America on XX/XX/2023 they indicated that XXXX would have put a pre-approved amount larger than the charged amount on the card and that is why it was able to go through as a successful transaction. 
- First, the rental car was prepaid ( XXXX Euro ), and second my XXXX rental agreement, which I re-confirmed with XXXX on XX/XX/2023, notes that a hold on the credit card would be for the estimated rental cost + approximately XXXX Euros, or in this case XXXX, or XXXX Euro. 
XXXX Bank of America on the call on XX/XX/2023 indicated the only way to change the credit limit back was for me to apply for an increase in my credit limit ( with the same bad information ) which surprisingly was instantly rejected. 
XXXX Bank of America allowed an unauthorized transaction well above my credit limit for which there was not pre-authorization, then used the overage to reduce my credit limit also damaging my credit score as now rather than showing credit available, the limit was dropped to the balance amount effectively reducing it to no credit available.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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: Debt collection

The number is calling my cell phone number, my brothers number, my parents, husband and my work direct line constantly for the past 2 months. They have also called HR at my work XXXX to try and get them to verify employment by giving my SS #. When asked for caller information, she refused to give it.I refuse to talk with them or verify anything until they state who they are.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 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 has violated my rights. 15 U.S. Code 1681 Section 602 A. states I have right to privacy. 15 U.S. Code 1681 Section 604 A. section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S. Code 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.
Product: Credit reporting or other personal consumer reports

Experian continues to report inaccurate information onto my consumer report. My name is XXXX XXXX XXXX that should be the only name on my consumer report all the other names should be deleted immediately because they are not mine and I have stated this on several occasions and you have been provided identity documents. My address is XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX, Michigan XXXX any other address is incorrect and should be deleted immediately. Delete all those phone numbers they are not mine. Experian continues to violate me everyday although I have called and submitted disputes they still continue to report inaccurate information this is a violation of FCRA. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX  XXXX XXXX XXXX XXXX MI XXXX
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Closed Accounts : XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX - XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion 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 receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX with a balance of {$20000.00}, XXXX XXXX XXXX XXXX XXXX with a balance of {$14000.00}, XXXX XXXX XXXX XXXX XXXX with a balance of {$530.00}, XXXX XXXX XXXX ( XXXX XXXX XXXX with a balance of {$1000.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Debt was discharged through Foreclosure not Bankrputcy. In 2009 I received a XXXX from XXXX and on my XXXX of my 2009 taxes my account declared it as a sale of a property which accounted for the XXXX XXXX XXXX ad the XXXX loan. I never received the Capitol Gain, but did pay taxes on it. Specialized Loan Servicing LLC has now sent me another XXXX for the same debt. I should not be getting a XXXX XXXX for the same debt. I have tried uploading a copy of the 2009 XXXX to your sight but have not been able to. Will put copy of XXXX from 2009 in the mail to you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX XXXX. XXXX, GA XXXX. 
Experian. Dispute Department. XXXX XXXX XXXX. XXXX, TX XXXX. 
XXXX. XXXX XXXX. XXXX XXXX XXXX XXXXXXXX, PA XXXX. 

complaint sent your office mean time, with ftc complaint credit report cause us to be XXXX  and money taken out our action 's your office failed to make they remove the old info, your office had proof of the action with letter enclosed again. now collections are now using new numbers s. Secretary XXXX XXXX XXXX office a compliant as well fha programs are being affected. by this reporting police reports from oregon and utah has been sent your office and the 3 credit burros. with cifit request
Product: Mortgage

My problem is with my escrow company. It is a gigantic mess. They refuse to believe that they are wrong. But i know for a fact im 100 % correct. This problem is so big. That i cant write it. I literally need to talk with someone about this. Its far to much. I got your number from the XXXX. Because at this point. They see that i am completely right. And my mortgage company is refusing to still fix the problem that still exists. Please call me so i can lay out. How unprofessional this company is. Please call me. If i dont answer. Please leave a direct number to who ever calls. 
Im a XXXX XXXX XXXX. Im very good with my money. So please youll want to here what i got ta say. Im sure a new rule/law can be made from my issue. That will ensure it never happens again. 
I will send all my paperwork to the rep that contacts me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$3000.00} XXXX XXXX XXXX {$25000.00} XXXX/XXXX  XXXX {$660.00} XXXX  XXXX   XXXX {$680.00} XXXX XXXX XXXX {$710.00} XXXX XXXX {$3600.00} XXXX XXXX {$2600.00} XXXX  XXXX  XXXX {$680.00} XXXX XXXX XXXX XXXX {$360.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a letter with instructions to receive my FREE annual credit report from XXXX XXXX. 
This report is not FREE, as it is NOT being processed. Their telephone and website links are failures. The phone link will not get my clearly stated address correct ; the web link will not get past the security letters. I am accusing this credit reporting organization of intentionally avoiding provision of a FREE credit report from the 3 credit bureaus.
Inquiry ( my information ) Purpose : loan refinance, XXXX XXXX XXXX XXXX-2017
Product: Credit reporting, credit repair services, or other personal consumer reports

For You and Equifax : I am the victim of a XXXX XXXX and XXXX am. I, also, am the victim of Other Criminals. And know what I have just said is of extremely, extremely GREAT importance.
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some inaccurate accounts reporting. 



XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX, XXXX TransUnion, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/24 To Whom it May Concern : Ive just reviewed my credit report and noticed there are several inaccurate items on my report as follows : XXXX XXXX XXXX This is not how my name is used. Delete immediatly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : According to my records, this account is inaccurate and your company is reporting errors on my credit report. 

Instruction : Investigate and verify the accuracy of this account with the Original Creditor. If you Can not Verify this account is reporting 100 % Accurate and Without Error, Immediately Delete This Account from my credit file. 

As proof of identity, I have enclosed a copy of my drivers license and proof of address. Once your investigation is completed and you deleted this information please mail me a complete and updated copy of my credit report to XXXX XXXX XXXX XXXX, TX XXXX. 


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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Inquiry : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX : XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXXXX/XX/XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

RECIEVABLE RECOVERY is reporting a debt I do not owe them to all three credit reporting agencies. I have asked for proof that I owe them but to date they have not furnished that to me. Despite this they have continued to report this false information. acct XXXX if this is not corrected I will be seeking legal remedies.
Product: Debt collection

Approximately 12 years ago I had an outstanding debt with XXXX. The total debt was less than {$4000.00}. It remained on my credit report and the day before it was due to come off my credit report, I received notification from Pressler & Pressler that they had purchased the debt which was then over {$7000.00} after they tacked on interest, fees and court costs. I filed an answer to their court documents and we made a payment arrangement of $ 100 monthly. That continued for approximately 2-3 years. I paid more than the original amount owed. Per my conversation with them today they were aware of my new address. I received no correspondence from them since 2013, nothing requesting payment, at all. I assumed since I had received nothing, the debt had been satisfied. Friday I received my paycheck and it was garnished for {$200.00}, XXXX % of my income. I was not made aware of this beforehand, just 2 years later, out of the blue, they take my money. They are saying I still owe over {$4100.00}. This is robbery. I have checked online and they have had numerous complaints and suits filed against them for these unethical practices. Why should I have to pay double for a debt that was never owed to them in the first place. The money is not even going to the original debtor. This should be against the law. I am the only source of income for my household and I am already struggling. With them taking {$400.00} a month from my pay I can not pay my rent. They had ample time to contact me in reference to this debt and nothing for two years. I realize not that this was intentional. If the3re is any way possible to stop this garnishment, that is the objective, even if it means going back in front of a judge.
Product: Student loan

I asked MyFedLoan to reinstate my parent plus loans back in the middle of XXXX for all my payments that were made during the covid pause. They are still not reinstated and they told me it would take 4-6 weeks originally. Please reach out to my email directly to ask for specific details and I can provide you with anything you need. I am tired of waiting at this point and want my money back that I paid the federal government during the pause that I am entitled to.
Product: Credit card

AMERICAN EXPRESS PUT ME INTO A PENALTY APR OF OVER 26 PERCENT AFTER BEING WITH THEM FOR OVER 20 YEARS. I CALLED ON SEVERAL OCCASIONS AND EXPLAINED I WOULD CATCH UP ON MY BILL WHICH WENT " LATE '' SOMETIME IN XXXX XXXX. I HAD A DEATH IN THE FAMILYXXXX AND IT REALLY TOOK A TOLL ON ALL OF US ... I MADE GOOD ON MY PROMISE AS AN AMERICAN CITIZEN TO AMERICAN EXPRESS. I HONORED MY PROMISE AND PAID XXXX ON THE DEBT SOME TIME IN XXXX XXXX. HOWEVER, DUE TO XXXX. I MADE AN ERROR AND AGAIN HAD A LATE PAYMENT IN XXXX XXXX -- BY 24 HRS. AMERICAN EXPRESS DID FORGIVE THE LATE FEES. HOWEVER, BECAUSE OF THE LATENESS IN XXXX XXXX THE PENALTY APR STUCK TO THE TUNE OF OVER XXXX A MONTH IN INTEREST. AMERICAN EXPRESS SAYS THAT THEY JUST ADJUSTED MY APR " GRACIOUSLY '' BACK TO XXXX ( XXXX ) PERCENT AS OF TODAY --. BUT THE DAMAGE IS DONE. YES. I WAS LATE IN XXXX XXXX BY 24 HOURS ON A PAYMENT -- BUT MY FEELING IS THAT WHEN I MADE THE LUMP SUM PAYMENT IN XXXX XXXX I HONORED MY COMMITMENT AND I SHOULD HAVE BEEN REMOVED FROM THE NOW {$400.00} IN PENALTY FEES / APR INTEREST AT THE RATE OF XXXX PER EACH MONTH XXXX XXXX AND XXXX XXXX. NOT SO SAYS AMERICAN EXPRESS -- THEY SAY THAT ANY LATE PAYMENT PUTS A CONSUMER INTO PENALTY APR FOR 12 MONTHS. HOW NICE ... ..SO IF MOST CONSUMERS HAVE ABOUT XXXX IN CREDIT CARD DEBT, THAT MEANS XXXX LATE PAYMENT TO AMEX CREATES XXXX {$2400.00} IN INTEREST FEES. {$2400.00} AT THE RATE OF XXXX PER MONTH X 12 MONTHS. THIS IS NOT AMERICAN -- AS IN AMERICAN EXPRESS -- -THIS IS PREDATORY.