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

XX/XX/XXXX Subject : Complaint for Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Equifax. These entries do not reflect my true payment history and misrepresent my creditworthiness.

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for my XXXX XXXX account ( # XXXX ) are inaccurate. I have been consistently enrolled in autopay and have made my payments on time.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates the FCRA ( 15 USC 1666 ( b ) ), which mandates accurate and fair reporting of consumer credit information.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : Reporting false late payments may also violate the FDCPA, protecting consumers from account misrepresentation.

Truth in Lending Act ( TILA ) : I assert that these reporting practices violate TILA provisions requiring accuracy in reporting credit information.

The FCRA, specifically sections 15 U.S. Code 1681i and 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate information and ensure the accuracy of consumer file information. Furthermore, the FCRA articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) provide for civil liability for willful or negligent noncompliance, including damages for failure to adhere to Act requirements.

Requested Resolution : I request that Equifax conduct a thorough investigation and remove the inaccurate late payments from my credit report. I ask that these entries reflect my true record of on-time payments. I expect written confirmation of the removal of these entries within 30 days of this complaint.

Summary of Errors and Discrepancies in Account Reporting The following discrepancies have been identified in the reporting of 30-day late payments for my XXXX  XXXX account across the three credit bureaus. These reported late payments are inaccurate, as I have consistently made on-time payments due to enrollment in autopay. 
Equifax : 30-day late payments inaccurately reported for 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. 
XXXX : 30-day late payments inaccurately reported for XX/XX/XXXX, 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. 
XXXX : 30-day late payments inaccurately reported for XX/XX/XXXX, 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. 
These discrepancies violate the Fair Credit Reporting Act ( FCRA ), as they misrepresent my payment history and creditworthiness. I am requesting that each bureau correct these inaccuracies and update my account to reflect my actual, on-time payment history.

Thank you for your immediate attention to this matter.

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

I have duplicate marks showing closed & open with my school loans several times ( due to them selling my account without me knowing ) reporting on my credit report. I have called and talked to someone but they are telling me it will go away. That was 6 months ago. I call every other month and keep getting the same answer.
Product: Credit card or prepaid card

2 FRAUDULENT CREDIT CARD ACCTS. WERE OPENED AT AMERICAN EXPRESS. I CONTACTED AMEX AND FILED A POLICE REPORT WITH XXXX POLICE DEPARTMENT..POLICE REPORT # XXXX. THEIR PHONE # IS ( XXXX ) XXXX. PLEASE INVESTIGATE AND RESOLVE THIS MATTER, AS IT IS RUINING MY CREDIT SCORES.
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 confidentiality under 15 USC 1681. 
XXXX  XXXX : # XXXX. 


I looked at my transunion credit report on XX/XX/2025 and noticed some Things are incomplete and inaccurate. And 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 ( XXXX ) ( b ). 

And according to 15 USC 1681 XXXX  they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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. 

15 U.S.C. 1681B ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, disputed errors on my credit reports from XXXX, Experian, and XXXX. Despite providing details and an affidavit ( attached ), they failed to act. 

The credit bureaus ' inaction violates the FCRA. I request the CFPB investigate and instruct them to : Investigate each disputed item in the affidavit. 
Remove ALL inaccurate or unverifiable information. 
Notify me of the results within 21 days. 
Failure to act will prompt further action, including legal action or reporting the violation.
Product: Credit card

i started a secure credit card with {$400.00} with capitol one. after a {$49.00} fee i had {$350.00} of credit. now when i started the card it stated i could increase the amount by adding more to the account. today i recieved a letter saying after XXXX/XXXX/16 i could no longer increase the amount by deposit. this was not the contract i entered into. i contacted cap. XXXX to tell them this fact, we were disconnected. they did say i could increase it until XX/XX/2016. when i informed them that legally this was not able to be done only new accounts i was cut off.
Product: Credit reporting or other personal consumer reports

These are the hard inquiries that I did not authorize these companies to run my credit. 
XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX Reported on XX/XX/2022 XXXX reported on XX/XX/2022 XXXX XXXX reported on XX/XX/2022 XXXX XXXX XXXX reported on XX/XX/2022 XXXXXXXX XXXX  reported on XXXX. XXXX, 2022 XXXXXXXX XXXX reported on XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX reported on XX/XX/2022 XXXX card services XXXX XXXX XXXX XXXX ( XXXX ) XXXX reported on XXXX XXXX
Product: Bank account or service

I currently have XXXX accounts with Chase XXXX personal and XXXX joint. On my personal I was charged XXXX {$34.00} dollar charges for insufficient funds on my personal acct. As far as I understand if you cover your insufficient fund fee before the end of the night you are ok. My fianc quick paid me the money at XXXX, I had no idea that there was a cut off time and the money would not go through I received an email and on my phone app it showed the money as positive. They are staying I signed the terms but honestly I did not read line for line nor did the person who opened acct explained. The only thing I am aware is the if you have insufficient funds you will get charged if acct stays negative. I have money in my joint acct do you think if I knew this would have happened. I attached XXXX pictures XXXX of my email confirmation of quick pay and also I transferred the remainder XXXX of the negative from my other joint acct last night my app showed me positive. You can see XXXX*XXXX=XXXX my acct is -XXXX I have not made any transactions since last night. Which shows the act was not negative. I did not know there was a time limit to quick pay believe me if I did I would have transferred the money from my joint acct which is with my fianc same person who quick paid me. This is unfair!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Company has no consent to share credit information. Notice of privacy act violations. Company has misused line of credit, line of credit has been compromised and stolen update accounting and balance amount to certificate of deposit amount.
Product: Credit card or prepaid card

RE Order # XXXX Order Date : XX/XX/2019 Washing machine and dryer purchased from Lowe 's via credit card application. 

Delivery was initiated on XX/XX/2019 Delivery was declined by the customer. 

Return successfully processed by Lowes, see receipt attached. 

Lowes continue to report falsely to my credit report, I investigated and discovered that the refund was processed to a different MASTERCARD THAT DOES NOT BELONG TO me. 

As far as I am concerned the refund was processed to the same card it was charged from, this problem has nothing to do with me, Lowes should carry out a detailed audit to get to the root cause of this discrepancy and stop reporting falsely on my credit report this is negligence and incompetence on Lowes path. 

My next action will be with the Court of Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage company lost my XXXX payment and reported me late to the credit bureau. I sent them supporting documents in the form of Proof Of Payment from XXXX and their response is that I am incorrect and refuse to admit their mistake. XXXX has always sent my payments through the bill pay function on the app at least 10 days before the due date.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX XXXX, ca XXXX ] [ XX/XX/year> ] XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Information Regarding Account [ Account Number or Creditor Name ] Dear XXXX, I am writing to request additional information regarding an account reported on my credit report. I am not disputing the information but would like clarification on specific details for my records.

For the account in question, please provide the following : 1. The date of first delinquency.

2. The date of last payment made on this account.

3. The date the account was charged off.

I would greatly appreciate it if you could provide this information at your earliest convenience. Please let me know if there is any additional information you require from me to process this request. 

Thank you for your assistance. 

Sincerely, [ XXXX XXXX XXXX XXXX ] [ XXXX ] [ XXXX ]
Product: Credit card or prepaid card

XX/XX/18 received letter from XXXX stating my card # XXXX which never had a late payment was being closed because they did not have a physical address for me.The phone # ( XXXX ) they used to contact me was temporarily not viable because I had moved, the # is now active .I called the XXXX bank and spoke with mangager XXXX on XX/XX/18 about closing the card she was very rude and unhelpful.They could have contacted me by mail but went right to cancellationI 've had the card for years with no problem all that time they did not have a physical address.My main concern is that this cancellation will negatively affect my credit.I 've been a very good customer for years if they don't want my business that's fine but having a negative issue on my credit rating for no good reason is not acceptable.
Product: Credit reporting or other personal consumer reports

My account with 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 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 submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft a business loan was opened under my business information with XXXX XXXX account number XXXX, this fraud account is not reporting has chargedoff on my credit report. 

XXXX unauthorized hard enquiries from XXXX XXXX and XXXX was also reported to my credit file as a result of identity theft.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report I am submitting this complaint regarding inaccurate late payment that is reported on my credit file maintained by Experian. I believe this late payment is erroneous and do not accurately reflect my payment history. 
Account Name : XXXX XXXX Account number : XXXX Late payment reported : XXXX XXXX 1. Inaccurate Reporting : The late payment listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violate my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payment from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of this entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct or remove them immediately from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : CAPITAL ONE XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

Recently, I disputed an account reported by XXXX XXXX XXXX on my XXXX credit report. After a thorough investigation, XXXX deemed the debt unverifiable and deleted the account from my credit report in XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ), all information furnished to consumer reporting agencies must be accurate, fair, and verifiable. The deletion of this account by XXXX confirms its unverifiability and obligates other credit reporting agencies to remove the same erroneous information from their records. 

Additionally, XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ) by reporting an alleged debt without proper validation, as required under Regulation F and other applicable laws. This act of " parking '' a debt on my credit report without my authorization has caused significant harm to my creditworthiness and financial reputation. 

I have also filed a complaint with the Federal Trade Commission ( FTC ) regarding these violations. I request the immediate deletion of this account from all remaining credit reporting agencies and confirmation of the correction within 30 days. Failure to comply will leave me no choice but to pursue legal action to protect my rights under the FCRA and FDCPA. 

attached can be foun two the FTC complaint, proof of address, validation of debt letter, social security card, my ID, snippet of the account deletion from XXXX and a letter about the account deletion on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A self lender account was open in my name without my consent. When an alert was sent out to me I immediately contacted XXXX about the self lender account. They immediately closed the account and told me that no one will be able to reopen an account in my name. The damage had already been done because a late payments was put on all three of my credit reports which in result cause about a 30 point drop on all three credit report. I disputed the account as well but it not fair for me to lose my points and not regain them due to an account being open without my knowledge. I feel this is a problem that need to be fix asap.
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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 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: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Debt collection

I am XXXX veteran and told hospitals that they would be paid by VA I gave them my member ID # XXXX & SS # XXXX as well as address to submit their claims. Now after years I see they are all listed on my credit report.Causing extra Fin cost on every thing.I served and paid the price. Hope you can help me I would be very grateful. XXXX XXXX. XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting

There is a hard inquiry on my credit report from XXXX, which I never authorized. Something recently showed up on my credit report which I am not aware off. I heard from others that they are having the same issue regarding the XXXX hard inquiry on their report.