23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX Account Number : XXXX Dates of Late Payments : 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 : Payment was made within the 15-day grace period : The reported late payment is incorrect because my payments were made on time, which falls within XXXX XXXX  XXXX 15-day grace period. Thus, the account should not have been marked as 30 days late. 
Clerical error by XXXX XXXX  : It appears that XXXX XXXX  incorrectly processed my timely payment. Bank records and payment confirmations show that my payments were complete, well before the 30-day late threshold. The late payment status was applied due to an error on the creditors part. 
Evidence Provided : I have attached bank statements, payment confirmation emails, and account records from XXXX XXXX  showing that the payment was received and processed on time. These documents confirm that no delinquency occurred, and the account should have remained in good standing. 
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: Debt collection

There is a collection listed which is unknown, I have disputed with nothing received. Please help
Product: Credit reporting or other personal consumer reports

I see that a debt collection is on my credit report for XXXX XXXX XXXX on I have not applied for any insurance with this company. I have also filed with identitytheft.gov. please remove this fraudulent inquiry. this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. I have conducted an investigation and it has come back that this is fraud. No vehicles I have used had this insurance and this must be removed from my credit IMMEDIATELY. The way this is being reported is also wrong. it was opened and closed on the same day. 
Please remove immediately {$130.00} XXXX XXXX Account details Account Number XXXX Date Opened XX/XX/year> Last Activity XX/XX/year> Original Creditor XXXX XXXX XXXX XXXX  Monthly Payment {$0.00} Term Source Type Current Rating Collection/Charge-off Status Open Type Individual High Balance {$130.00} Unpaid Balance {$130.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating No Data Available Comments Account details No History Is Available Collection agency XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MA XXXX ( XXXX XXXX XXXX Account ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I disputed an item on my Experian Credit Report on an account with XXXX. My account was paid in full and the charge off amount should be removed and a balance should reflect {$0.00}. Experian did not resolve the issue fully and I again submitted a dispute with documentation and received the results on XX/XX/2020 that " The information you disputed has been verified as accurate ''. They did not verify the information twice because I have and provided documentation that the account is paid in full. If they actually made an attempt in either of my disputes, they would discover my disputes as accurate. Experian remains to be the worst credit reporting bureau in the business. I just want my credit report updated accurately as afforded to me by the fair credit reporting act and for this organization to do their job. Attached are the results of both disputes from Experian as well as a letter from XXXX stating my balance is PAID IN FULL!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : The XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : Dept of Ed/XXXX  # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A 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

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX 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 of 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

I never received any letters about my debt for a medical bill. I reached out to the collection company on XX/XX/2022 that was showing up on my credit report and it said I owed XXXX and we ended up settling for XXXX. Company said they would close it on my credit report and never did. I tried to dispute is 2 times already and they are denying it. They said they would send me emails of the receipt and showing that it was closed and I never got one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Responded to settlement agreement with World Finance and made all requested payments but company refuses to update status on credit report as stated in the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I wrote TransUnion credit bureau and request an investigation regarding inaccurate information on my credit report which I am disputing. This inaccurate information includes my name, address, employment history, a car loan, ( 2 ) XXXX XXXX credit accounts, ( 1 ) XXXX/XXXX credit account, and all the inquiries on my credit report that do not reflect my true name XXXX XXXX. On XX/XX/2020, I wrote to TransUnion to inform TransUnion that they did not respond to my dispute within the 30 day deadline according to federal law. To this day, I still have not received a response from TransUnion credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove and suppress this account, no knowledge or contract with this company 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 not reporting across all bureaus. Please remove for innacuracy XXXX XXXX Collections - summary XXXX XXXX Experian Account Number XXXX Original Lender XXXX XXXX Name XXXX XXXX XXXXXXXX Date Assigned XXXX XXXXXXXX XXXX  Original Balance {$1500.00} Current Balance {$1500.00} Responsibility Individual Status Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Comments Account Information Disputed By Consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I always pay even extra and even more money so Im not sure issues but definitely doesnt look right
Product: Checking or savings account

In the last week of XXXX i opened a new a new account online on my bank account with Wells Fargo. On the same day my wife logged in, and set up all her bill pay accounts since the bill pay information is not shared between userIDs. This marked my account as fraud and locked us both out of all our accounts. 

Unfortunately i discovered this when traveling, but i phoned from the airport and explained, and was told all locks would be removed. I arrived at my destination and couldn't use my credit cards, i was stranded without meals. I phoned again to straighten out the problem and was referred to another level up. I eventually got back my ability to use credit cards, although way too late to avoid embarrassment of begging for food and rides during a business trip! It may have cost me the contract. 

After arriving home i discovered my online access had been deleted and i had to set up my account again. Luckily my bill-pay information was still there, but i've lost all my historical data. 

I've been phoning the bank to try to get this resolved repeatedly since the end of XXXX and have accomplished nothing. They assigned the issue to one person but will not tell me how to get in touch with that person, only that i should leave a message and identify a reference number that they gave me, which i have. They promise to call me back within 24 hours, and did attempt twice in the past three weeks ( although so far outside the 24 hours limit that it should count as random ), once when i was in the bathroom, and once when i was at security at the airport. 

I find this to be an unacceptable level of service. I would like to have my account data restored to return my historical data if possible, but mostly i just want to get the issue resolved once and for all. Even if they do nothing more, at the very least i'm owed the courtesy of closure on this issue and some measure of responsibility for broken promises. I was tolerant of errors at the start when it could have been an isolated incident, but this now has become a pattern that needs to be stopped. 

Thank you for any attention you may be able to bring to this. It is not the first issue i've had with this bank, but it's the first to waste my time and money and affect my income.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on the status of my request to correct a late open account on my credit report. 

As per our previous correspondence, I submitted a dispute regarding the late open account listed on my credit report. It has come to my attention that this issue has not yet been resolved, and the late open account continues to negatively impact my credit standing. 

I kindly request an update on the progress of my dispute and urge you to expedite the resolution process. The presence of inaccurate information on my credit report has significant implications for my financial well-being, and I am eager to see this matter resolved promptly. 

Please confirm receipt of this message and provide me with an estimated timeline for when I can expect the correction to be made. Additionally, if any further information or documentation is required from my end to facilitate the resolution process, please do not hesitate to let me know. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXXXXXX XXXX XXXX : {$0.00}.
Product: Checking or savings account

XX/XX/XXXX - I visited a PNC branch in XXXX, VA to close all accounts as they've been unused and dormant. The representative refused to help as she was going on break, but explained I could close the accounts through the PNC Online portal. There is NOT an easy 'button ' for this and they suggest sending an email. I did send the email and requested all accounts be closed ( personal checking and reserve - XXXX balance ). 

XX/XX/XXXX - I receive a statement email from PNC. I contact their Rep via XXXX and demand all accounts be closed, still unused and dormant. THEY HAVE STILL NOT COMPLIED AND THE ACCOUNTS REMAIN OPEN. 

Now - I NEED ALL ACCOUNTS CLOSED!!!
Product: Credit reporting

Hello, I have tried to dispute this debt numerous times with the creditor XXXX XXXX now it 's been sold to AFNI {$120.00}. I do n't know what this charge is for I was told it was equipment but when I call XXXX to find out about it they have no record of it under my name or ssn to tell me anything and I 'm not paying on something I do n't know what it is or that it 's even my debt. Furthermore, I think I had XXXX at the time and if I did all the equipment and services were paid in full I want this to stop getting reported to my credit once and for all if the creditor ca n't supply any information of what it is and I ca n't call them to dispute this than as far as I 'm concerned it 's not mine and it does not need to keep showing up on my credit report. I dispute with all three credit bureaus it gets removed and then next thing I know it gets added a month or XXXX later again and I just want it wrote off as bad debt and not against my credit. I 'm trying to buy a house and that is XXXX reason I want this removed but I also want it removed because if I ca n't get anything and century link ca n't find me with my ssn whether it was charged off or not they should have something I was never sent a final bill for the service I did have so I do n't feel this is mine anyway and each time they pull my credit for my home loan this pulls up and is affecting me so please just remove this once and for all I can just pay it too it 's {$120.00} but that 's not the point it 's the principle that theirs no information on this and I 'm sick of creditors doing this to people and my mortgage broker told me that he has seen this happen to several of his clients too with XXXX and they have ended up paying it but I 'm not going to I want to fight for all the people XXXX is taking advantage of and hope a class action law suit gets started against them for not sending out bills for these supposed debts. If anything is found I want it sent to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX.
Product: Credit reporting or other personal consumer reports

It's possible that FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you check the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage servicer, XXXX XXXX XXXX, XXXX, has been intentionally and constructively harming me by reporting maintaining that my loan is in a default status and has been late for seven months ( in addition to the late payments reported when XXXX came on as my servicer in XXXX XXXX and immediately put me into default, whilst in a long term forbearance agreement due to a Hurricane litigation case with my my homeowner 's ). All attached documentation represents a clear and necessary forbearance agreement. I entered into a forbearance agreement with my servicer, as I was legally defending them in Hurricane XXXX litigation with my homeowner 's insurer, XXXX, because XXXX was heavily blaming the servicer for the damages on my property. In exchange for forbearance, the servicer at the time, XXXX, promised forbearance and credit suppression UNTIL THE LITIGATION WAS COMPLETED. We settled with XXXX in XXXX XXXX. XXXX inherited this agreement and never honored it, contrastly, they intentionally created and maintained a default status for my loan by shifting amounts into the time period that our forbearance agreement ended XXXX XXXX XXXX XXXX for their own nefarious purposes. This is NOT accurate reporting. XXXX however, accurately came to the determination that my account is 0 days past due and is paid as agreed. 
In addition to the inaccuracies that exist on my payment history, XXXX is also misrepresenting the payment amount that is due, as well as the statement that we had entered into an agreement to pay less. Please produce this document. I have requested a copy of such an agreement and have yet to received anything of the sort. In fact, XXXX has refused for over a year now to even explain the charges, internal codes or abbreviations listed on the accounting on my loan that XXXX repeatedly sends to me XXXX after promising to due so ), so it is impossible for me to make a knowledgeable and comprehensive determination as to what values are good and which are valid ; Therefore, any amount listed and reported on any credit bureau as the true and correct balance is a completely untruthful number because my account is laden with fraudulent charges. These adjustments that are being completely refused and ignored by XXXX and their representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dat of Birt : XX/XX/XXXX SS # : XXXX XXXX Name : 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 Experian 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 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: Mortgage

XXXX has finally acknowledged my property tax exemption however they are now holding onto my excess escrow which was supposed to pay the mortgage. I have over XXXX dollars in escrow and they have my mortgage in default status and will not use this excess money to pay my mortgage for XXXX. I have sent XXXX in which should cover XXXX and XXXX but the excess money in my escrow account will more than cover XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB Complaint to request to the Credit Reporting Agencies to remove the disputed accounts in which I believe to be reporting erroneous information on my Credit File. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, I need the Credit Reporting Agencies to notify me when the items have been deleted. Please reinvestigate the following accounts and have them corrected and or removed : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Debt collection

I am writing to dispute the presence of inaccurate late payments on my credit report, as listed in the report provided by your bureau. I have carefully reviewed my credit report, and I have identified inconsistencies regarding late payments that I believe are erroneous and require correction. 
WELLS FARGO DEALER SVC XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history I have always been committed to maintaining a positive credit history, and I can confirm that all payments for the aforementioned account were made on time. I have maintained a responsible and timely payment history with the creditor, and there is no basis for the reported late payments on my credit report.
Product: Credit card or prepaid card

i purchased the " reload '' pack and verified the amount the day of purchase. 
I called to validate the amount loaded onto the card the next day and was told there was a XXXX balance. 
I was a victim of fraud and the company claims to not be responsible.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries on my credit file XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have no consent neither did I authorize them