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

XX/XX/year> Subject : Formal Complaint Against Equifax for Failure to Correct Inaccurate Late Payment Reporting To Whom It May Concern : I am writing to formally file a complaint against Equifax for its ongoing failure to correct inaccurate late payment information reported on my credit report for account XXXX, account number XXXX. Despite submitting multiple requests for correction, dated ( letters dated XX/XX/year> ), no changes have been made. This inaction not only disregards my right to accurate reporting but also violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), which mandate timely and precise updates to consumer credit files.

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 breaches this requirement. Furthermore, 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 statutory requirement.

TILA Violations : The Truth in Lending Act emphasizes the necessity of accurate and timely disclosures to consumers. The misreporting of late payments on my account has directly harmed my creditworthiness, which TILA aims to protect.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditors ' responsibility to provide timely statements, preventing unfair penalties to consumers. The inaccurate reporting of late payments on this account violates this protection and has unjustly impacted my financial standing. 
Payment History Discrepancies The account XXXX shows recurring inaccuracies across XXXX, XXXX, and Equifax credit reports, specifically related to late payments. Each bureau reports multiple 30-day, 60-day, and even 90-day late payment entries, despite the account being closed, fully paid, and having a {$0.00} balance at the time. These errors persist across all three bureaus, affecting my credit profile negatively. Lack of Resolution Since Previous Dispute Despite multiple disputes submitted to Equifax, each bureau has continued to report these errors without any corrective action. This inaction has resulted in prolonged harm to my creditworthiness and breaches both FCRA and TILA.

Desired Resolution Immediate Removal : I am formally requesting the immediate removal of all inaccurate late payment notations from my credit report, including assurances of corrected and accurate reporting across all three bureaus. 
Written Confirmation : Please provide written confirmation of these corrections once the inaccuracies are removed. 
If this matter is not resolved promptly, I will consider escalating my complaint, including potential legal action and further complaints with appropriate consumer protection agencies. 
Thank you for your attention to this matter. I look forward to a swift and accurate resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' an account with XXXX XXXX XXXX  Act XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also supply the correct information to me. XXXX  has misled and deceitfully reported information that they have not properly investigated. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. They have also failed to supply me with document level contract to support the owner of the reported account. I have asked several times for this information to shown and supplied.
Product: Credit reporting or other personal consumer reports

I am extremely dismayed by the recent credit report I received! This situation is completely unacceptable. It baffles me that the government permits such glaring errors that have such detrimental effects on individuals. Unless you promptly and accurately address this letter, I am prepared to take any necessary steps to hold you accountable for your poor reporting practices. I have no knowledge of the following accounts. 
XXXX XXXX XXXX, XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the ONLINE INFORMATION SERVICE ( Original Creditor : XXXX XXXX XXXX XXXX ) for negatively reporting a debt on my credit report without my knowledge. Despite multiple attempts to contact the company, I have received no response. 

Upon discovering the debt, I have found several inaccuracies in the reporting. The Date Last Active, Date Opened, and Account Status are all incorrect, impacting my mental health, credit-building efforts, and credit applications. 

I have diligently followed the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in addressing this matter with the company to no avail. The situation is now severely affecting my financial well-being, and I am compelled to seek resolution through legal avenues. 

I kindly request your immediate intervention to rectify this matter and ensure the removal of the inaccurate debt from my credit report. Your assistance is crucial in restoring fairness and accuracy in accordance with the FCRA. 

Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

My son asked for me to cosign a {$35000.00} loan for a boat which he agreed to pay. Reason being that his credit rating was very poor. I expressed doubts that my good credit will be of help because of my low income. He assured me that he had talked to a friend in Comerica Bank and that there will be no problem. My credit rating has been around 810 for the last 30 years. Loan was approved and the Bank presented me with documents to sign. I failed to see that the Bank made me the Principal. To the best of my understanding my son 's income hoovers around {$100000.00} year. He has told me that he is 51 % owner of a company that invoices around {>= $1,000,000} per year with an approximate profit of about 7 %. He also told me that his credit rating was poor. My total income is {$29000.00} consisting of SS and two small pensions. I'm XXXX years old. My son has paid for the loan since the beginning but very inconsistently. There has been numerous late payments. The bank has sent me numerous letters regarding these late payments. I have redirected their attention to my son. Comerica Bank has ignored my requests. Comerica Bank has now re-possessed the Boat. It's my understanding that I'll be sued for whatever moneys are not recovered by the sale.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issues aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX  XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX  Open date XXXX XX/XX/XXXX XXXX XXXX XXXX  Open date XXXX XX/XX/XXXX Syncb/Amazon Open date XXXX XX/XX/XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX  Open date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position.
Product: Vehicle loan or lease

I purchased my XXXX XXXX XX/XX/XXXX For 72 months and my maturity Was XX/XX/XXXX but my contract has extended for 92 months and I know this is a error I will like for everyone involved to be investigated collecting payments from my account XXXX XXXX, XXXX XXXX ( aka ) Collection Supervisor XXXX Regional Acceptance Corporation XXXX XXXX XXXX XXXX XXXXXXXX These are the main two was threatening me and harassing me
Product: Credit reporting or other personal consumer reports

I have previously sent disputes to TransUnion, XXXX, and XXXX regarding inaccurate information on my credit report. I provided a detailed list of the accounts in question and highlighted the errors and violations affecting my consumer report. Despite these efforts, it has been over 30 days, and I have yet to receive a satisfactory response or resolution. Attached are copies of the letters and supporting documents sent.

This company has violated FCRA 623 ( a ) ( 3 ) by failing to investigate and accurately report the disputed information.

Additionally, FCRA 623 ( a ) ( 5 ) has been breached as the account was not marked as disputed, despite being subject to an ongoing investigation.

The company has also violated FCRA 605 ( a ) by continuing to report outdated and incomplete information, which misrepresents the accuracy of my credit report.

Lastly, under FDCPA 809 ( b ), the company has failed to provide sufficient validation or evidence to substantiate the accuracy of the reported account, further violating my consumer rights as defined by the FTC.

I request that this matter be promptly investigated, and that the inaccurate information is corrected or removed from my credit report as required by law.
Product: Mortgage

We are now in day 80 of our refi mortgage process. Bank continually asks for the same documentation that has been already sent, asks for new documentation randomly over the course of the 80 days, seems to be stalling for some reason on letting us know when the closing will actually be. We were conditionally approved over 3 weeks ago, yet we still don't have a closing date and the closing disclosure will now have to be updated once again since a mortgage payment is now due. 80 days and counting with no reason provided is totally unacceptable, and there wasn't even an appraisal needed.
Product: Debt collection

I am writing to express my disappointment with the inaccurate credit reporting done by Barclays Bank. This reporting has severely damaged my financial situation. On XX/XX/2023, I noticed a new account on my credit report that I did not open. I immediately sent a notice to Barclays Bank in Delaware, requesting them to validate the debt and remove it from my credit report. I sent this notice via certified mail with tracking number XXXX XXXX XXXX XXXX XXXX. Despite my notice, Barclays Bank has not responded or taken any action to remove the debt from my credit report. As a result, my credit score and report has been damaged, making it difficult for me to obtain credit, which I need to purchase a home. I am requesting that Barclays Bank of Delaware immediately remove the disputed debt from my credit report. I am also requesting that they provide me with a copy of the validation letter that they sent to the credit bureaus. If Barclays Bank does not take action to resolve this matter, I will be forced to take further action, including filing a lawsuit.
Product: Consumer Loan

I am receiving 2-3 call a day from various numbers but they will only leave one message. I am receiving calls as early as XXXX estate on Saturdays and Sundays. They call a friend and my son repeatedly throughout the day and gave them information about my payment being late and the amount due. I spoke with the customer rep and requested that they not call my job and they continued. I saw the number on caller ID and answered and requested for the number to be removed. I am no longer with the company and I was informed by a former colleagues they are still calling. I know I am delinquent but it appears that the interest has immensely increased.
Product: Credit reporting or other personal consumer reports

I have tried repeatedly to get my credit score fixed with TransUnion so I am able to see my credit score through XXXX XXXX. I have approved my SSN multiple times because they have said a number is incorrect. I have been told 3 times now that the issue will be fixed in 5 days and I will be able to see my credit score but the issue has not been fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I contacted TransUnion to life a freeze on my credit. In the past I'd just done this with my cell phone and no problem. This time I started it and was met with sales statements throughout the process only to be placed on hold for 10 minutes to talk to a rep. I repeated my request to the rep but I couldn't understand her because her call center was so loud, her voice kept going in and out and we had a language barrier ( she didn't understand English real well and I had difficulty deciphering her accent ). She repeatedly told me her system is very slow and it keeps going down. Not what you want to hear from a credit reporting agency that affects millions of people! So, she told me she lifted the freeze. I learn today, XX/XX/23, that it was NOT lifted so I went through the process again. The woman did manage to lift the freeze. However, she told me I would receive an email acknowledging this but I never received the email. My concern is with the technical difficulties with an organization that holds all my financial data and controls my " credit future '' and that of millions of others! In addition, this process was extremely sales-minded. It would be great if someone could look into these practices. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft in XX/XX/2017 in which someone stole person information, filed my taxes and began opening and attempting to open several fraudulent accounts in my name. I have been working with local law enforcement, the three credit reporting agencies and the account lenders. 

In sending in copies of police reports, federal trade commission reports, proof of my ID as the rightful owner and other supporting documents, over the past two years I have obtained little to no success in trying to successfully remove these accounts from my credit report. I have in writing, on several occasions asked that the lenders send me proof of whatever SIGNED documents that have confirming that these accounts were opened by " me '' and they have not responded or sent me copies of these documents per my request. When I speak with the credit reporting agencies, they simply state that the debts were verified by the lenders but CAN NOT either provide me with the requested documents to corroborate their investigations. 

I have been denied job opportunities, other loans, and even bank accounts due to these accounts and at this point I want results. I want in writing whatever documents they have that were alleged signed by me and want these fraudulent accounts removed from my credit reports.
Product: Credit reporting or other personal consumer reports

Incorrect and no proof of accounts that belong to me and have been disputing with no respond from companies or CREDIT bureau XXXX and XXXX. XXXX response is always after 30 days with same computer generated response. Which they have not provided proof of debt or respond and has not been removed per FDCPA.
Product: Debt collection

I am have been charged with an owed amount on my credit report from a medical office, but my health insurance had paid this balance. I should not have this balance or report on my credit report. They say it would clear in 7 years, but it should not be there at all.
Product: Mortgage

I was laid off work in XX/XX/XXXX. Indiana housing and urban development helped me with my mortgage payments until I returned to work in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX XXXX. would have me pay my mortgage payments into an account they called a shadow account. After I would make my payments I would have to call XXXX XXXX at there main office in XXXX XXXX, IN and she would transfer the money from the shadow account to pay my mortgage payment. In XX/XX/XXXX XXXX XXXX XXXX. filed a lawsuit against me for foreclosure and accelerated my mortgage. I was not behind on my payments at that time. When a mortgage is accelerated that makes all payments due at that time. Which means no more monthly payments due. I was not aware of this lawsuit until XX/XX/XXXX when I was advised by Indiana housing and Urban development to call the XXXX XXXX County Court House to schedule a settlement hearing. The court clerk informed me that XXXX XXXX XXXX. had already recieved a default judgement against me and scheduled a sheriff sale of my property. 
I was never notified by the court or served any papers because XXXX XXXX XXXX. used the wrong address for my home. 
I was not behind on my mortgage payments. They were not applying them properly out of the shadow account. XXXX XXXX XXXX. Filed an amended complaint for foreclosure after they had already accelerated my payments making it impossible to be late on a payment after XX/XX/XXXX. In there XX/XX/XXXX amended complaint it says, XXXX had not made a payment since XX/XX/XXXX. This statement is impossible since they had accelerated my mortgage. 
Going back to XX/XX/XXXX. XXXX XXXX XXXX. has reported on my credit report that it transferred my account to a different office. My credit report shows that it was transferred to a different account. My credit report also shows that they were still making payments on my original account for all of XX/XX/XXXX and my new account was showing that I had made no payments. Because of XXXX XXXX XXXX. making these improper payments my credit history is horrible and I have now lost my home due to foreclosure. They had breached our contract when they started a new account and have stolen my home and securities. 

My name is : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

PORTFOLIO RECOVERY records an account as still valid to appear on my credit report but it has aged out and should not be. Last account activity was XXXX
Product: Credit card

XXXX XXXX XXXX They had remove the money off of my account the original dispute. 
When I went to my account somedays later, it reappeared on my account I inquired what's going on, they said they did an investigation determine I was responsible I wrote them a letter explain to them I never been to Kentucky nor the XXXX XXXX XXXX XXXX I dont gamble, They did not do a thorough job of looking into the matter, didnt check with the airlines to see if I had traveled there.You can see on the documents sent to me, the wrong phone number and e-mail address are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX loan account is NOT showing current but it is current
Product: Credit reporting or other personal consumer reports

I have a few collections accounts on my reports which do not belong to me. I have disputed these accounts on numerous occasions with all the credit bureaus and they always respond with the information is correct, which its not. I have never had a credit card with XXXX XXXX XXXX and I personally called XXXX about the collections account they are reporting and XXXX confirmed to me that I do not owe them any money and they have no record of such debt. I have sent letters requesting the original contracts with my signatures and it was never sent to me. These collections have been on my report for several years and They do not go away. This has affected my credit scores tremendously. My payment history is at 100 % and has been they way for many many years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX FM XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  {$150.00} XXXX XXXX XXXXXXXX XXXX  : {$720.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX, XXXX {$150.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX  {$4700.00} XXXX  XXXX XXXX Opened XXXX XXXX, XXXX XXXX  {$260.00XXXX XXXX XXXX XXXX XXXX  : {$240.00} XXXX XXXXXXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXX  {$720.00} XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX XXXX  {$150.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX  {$180.00} XXXX XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX