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 Experian 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 : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was incorrect because my payment was made on time. My bank confirmed that the payment was processed on the due date, but due to a delay in XXXXXXXX XXXX XXXX 's payment posting system, it was mistakenly marked as late. I provided the following evidence to support my dispute : A bank statement showing the payment made on the due date. 
A payment confirmation receipt from XXXX XXXX  XXXX indicating the payment was processed on time. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

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

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

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

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

Paid account off but credit bureaus ( all 3 ) still report balance ; contacted company and they confirmed acct paid in full and closed my dispute was denied. Additionally, data on other accounts are months behind. Mortgage last updated in XX/XX/scrub> 2024 2024
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$23000.00}
Product: Credit reporting or other personal consumer reports

that is the issue to begin with the state they have a claim when they don't I sent my response they have no contract they are attaching this account XXXX XXXX when it against the law based on the letter statement I sent and have attached to this complaint I find the response frivolous and without proof
Product: Bank account or service

Issue : On XXXX XXXX, 2016 I went to BB & T ATM at XXXX XXXX XXXX XXXX, XXXX Texas XXXX to make a withdrawal of {$300.00} using my BB & T Ready Access Card. The money did not dispense ( the money came out but went back in ). I contacted Manager in person, but was told to call the number on the back of my card. Called the number on the back of my card, they stated they would send me out a form. I received the form, filled it out and returned it. I have not heard from XXXX concerning this matter. So, on XXXX XXXX, 2016 I called XXXX. Spoke to Rep XXXX. I told her that my daughter is on the line and will speak for me. She stated I can not speak with her due to HIPPA, if she continue to talk I will hange up. My daughter asked to speak to a Supervisor and the Rep hung up on us. We attempted to call back, but the hold was extremely long. 
1. No real resolution dept 2. Poor Customer Service Skills 3. Fraudlant Company 4. Long Holds before a Rep answers
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in ROUND 2 of asking the company to VALIDATE the accounts reported as ADVERSE. They tell me the account has been VERIFIED without showing me PROOF that they have information on file that bears my SIGNATURE. They don't have any proof that they have VALIDATED the debt is indeed MINE. If they do not have PROOF they have to remove it. I have been very specific in my letter. 

NOTE : They have until XX/XX/XXXX to prove this to me in round 2. They did not prove anything via ROUND 1
Product: Checking or savings account

On XX/XX/18 - " Bank Originated entry reversal of provisional credit Case XXXX on XX/XX/18 for {$1500.00} '' I woke up to my account being almost XXXX dollars in the negative. There reversing a credit from five months ago. That claim was closed for months. This is totally wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I reached to the credit bureaus XXXX, TransUnion and XXXX and public record was removed from my reports i have provided them with documentation showing that this public record was removed from XXXX  and not my other reports
Product: Student loan

I had requested a refund from nelnet on XX/XX/30 which they had approved & since then I have had no contact & no refund from them. As this refund was for {$21000.00} I think it is very disrespectful to move so slowly with no contact with such a large amount of money. During this call they had stated it would take 4-6 weeks to process. As we approach the 6 week mark with no contact I fear they have not made me a priority.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX rights.

EQUIFAX 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 

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according 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 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurmation, 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have several unknown addresses and inaccurate file information that needs to be updated properly. My current and only address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please delete all other unkwown addressses they are not correct. I have a inaccurate Social Securty number on my credit report SS : XXXX, please delete it at once. My name is NOT XXXX XXXX please remove the extra name from my credit report. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Following addresses need to be deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 own an American Express Blue cash preferred card. 

I enrolled into an offer which states that - " Get a one-time {$60.00} statement credit by using your enrolled eligible Card to spend a minimum of {$300.00} USD in one or more purchases on room rate and room charges at participating XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ... '' I booked through the website as it was mentioned in the offer - XXXX 
The property is also NOT in the excluded list. 

But, even then Amex is denying to process the {$60.00} credit. 

My claim is here that Amex lure customer with these fraudulent offers and then do not honor them. I have reached out to them several times through online chat service as well as phones calls, but their representative keeps denying the claim with no substantial reasons or false claims. 

I have all the written confirmation email for the booking at at one of the properties of XXXX XXXX  at XXXX, North Carolina between XX/XX/2023 - XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am filing a complaint against experian for failing to properly investigate my disputes regarding inaccuracies in ny credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complied with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that are inaccurate, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX.
Product: Debt collection

On XX/XX/XXXX I sent validation letters to two collection companies it is now XX/XX/XXXX with no response from either company. 
1 ) Wakefield and Associates collection XXXX XXXX XXXX XXXX, XXXX, Colorado for the amount of {$640.00} I dont even know what this is for or if this is even my debt, I just want it removed 2 ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , Fl for 2 hospitals one the amount of {$2200.00} and {$1700.00} both were reported XX/XX/XXXX and I live in XXXX Mississippi , and was not even in the state of Arkansas or Oklahoma in the year of XXXX at all. I have requested that both of these collection companies removed the report from my credit, but neither one of them responded to my letter.
Product: Credit reporting

I 've disputed this information 4 times already with the credit bureaus and have proven that they are reporting it incorrectly and nothing is being done. I 've also made complaints with the XXXX for my state. I am tired of receiving the same letter over and over again in response to my disputes just disregarding what I am saying to them. I require the physical, firsthand knowledge, proof, that they are reporting this correctly, or it must be removed immediately and permanently. This is made available to me under section XXXX as well as XXXX. I also did not give my permission for this information to report on my credit file pursuant to section XXXX. 

Here 's the info that I am disputing : XXXX XXXX XXXX XXXX # 1 The filing date that you have listed is NOT the filing date that I am looking at on the petition # 2 the docket # that you have listed is wrong : there are NO LETTERS in the docket #! 
# 3 you have the court name, city and state abbreviated and you must have this listed accurately and completely and it is NOT XXXX XXXX # 1 the company name must be listed in a manner that I can understand and not just lazy acronyms # 2 the open date for XXXX states XXXX/XXXX/XXXX, Experian states XXXX and only XXXX of you is correct # 3 you have this account listed as included in a bankruptcy and it was NOT # 4 all of the lates that you have on this account PRIOR to it be " included in a bankruptcy '' are incorrect and inaccurate and all payments were made in compliance with negotiated schedule, so I require the documentation that you have in your files that prove that you are reporting this account correctly and completely. 

XXXX XXXX # 1 the company name must be listed in a manner that I can understand and not just lazy acronyms # 2 You have that I was 30 days late in XXXX of XXXX and I 've already notified you that I was NEVER late in XXXX of XXXX and that the other XXXX bureaus have me reported as paying on time which means that either XXXX of them are wrong or YOU are wrong
Product: Debt collection

I have a a unverified account from  TRIDENT ASSET MANAGEMENT  #  XXXX . I have never done business with  TRIDENT ASSET MANAGEMENT.  Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g , I dispute the validity of the debt purport I owe. I request that  TRIDENT ASSET MANAGEMENT Pr ovide verification of the following  : 1. )  The original Application or contract ;  2. )  Any and all statements allegedly related to this debt ;  3.  ) Any and all signed receipts ;  4.  ) Any and all canceled checks  ; 5.  ) Original date of default and collection activity begin  6.  ). Whether you purchased the debt, and if so, the amount paid for the debt  7.  ) The date  ( s ) t he debt allegedly accrued ;  8 . ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that  TRIDENT ASSET MANAGEMENT Ce ase and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Prepaid card

My card was used in XXXX different locations in the U.S, XXXX, XXXX, none of witch is mine location ( address ) I live in XXXX, XXXX. And the card was always in my possession, the card was used 4 x. I discovered when tried to use it at XXXX, this card is a cash card, I received my payroll in it weekly, that 's how I knew exactly how much I had available. I Called Amex and they told me they were going to investigate, when I called the charges was still pending and they said I had to wait for the charges to go through for them to file a complaint. When I called back only XXXX charges had gone through and XXXX had dropped, they told me to wait for they investigating team to look at it. Well for some appalling reason they decided that I was at fault violating the serve aggrement section : XXXX, and closed my account. I called them asking for an explanation and they gave me no answer! Only that that 's what their investigating team had found. I told them they could never had found that! I have no connection with anyone or anything in the locations of the purchases, a purchase of pizza in XXXX ( um ... I am XXXX ) and a payment of some air talk phone ( my cell phone is XXXX ) nothing relates to me in any shape or form, the total is {$120.00} every bit of it of my hard worked money, given away to some XXXX and Amex serve.
Product: Credit card or prepaid card

Yes Good day I spoken to capital one last weekXX/XX/XXXX,XXXX,XXXX,XXXX,XXXX,XXXX,XXXX  etc. 1 ) I was asking to trouble shoot on line to change myo password., But it didn't work2 ) then I call to compaint about this and they will try, didn't work. I wanted to update my information. There weren't helping on line technical problems toward me. They're never charge anyone, any over the limit fee or late fee. 3 ) Well they change my due date screw up without telling me. I call them to fix it to change my date again it take 1 or 2 months. Well they kept XXXX  my acct with late fee .this is harassment. My XXXX XXXX has arose. They try to remove some late fee but now I can't use on line to change my password.so when I got a change to call they refuse to help me on line. And they couldn't send me a text with my new number and. they're lazy to remove my old numbers when I was changing in the past. Text was unsuccessful nobody trouble shoot it. Wasting my time.again all phone if it has texts option it should work period. No explanation again.again my acct is over the limit because of them and them sabotaging my acct, harassing me. Now there asking to send if by mail not going to do this. So they can say I didn't get it.I always did a change on line with using my cvc codeof back of credit card to change password. We can't have businesses who are hurting us consumers meanwhile there making money. They need to fix on line changes using cvc code again.i like to have 2password one for date of birth and social security.so I can have a peace of mind and security on my side not for then for my nearby neighbors, stranger on phone listening to me talk..there phone line don't offer security on phone against outside criminal listening. I demand 2password to be verified .when we all have stress free verifying with better option. They Need to fix trouble shoot on line change of password. So now they added extras charges .never had sent me no letter about change of my payment. I will pay on the XXXX. Again.thank you for helping all depend password s over the phone
Product: Credit card

On XXXX XXXX, 2015 I went to XXXX XXXX in XXXX XXXX to pick up silver jewelry samples that were promised to me to be completed on this date. The company told me I had to pay {$550.00} more in order to receive the silver models. I paid on my Citicard and was told to return the following day to pick everything up. When I went back the company refused to release the silver pieces. 
When I returned to the US, I was sent a contract from the company stating they owned everything. I have not received anything that I paid for. This was fraud by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the XXXX  account act # XXXX with Equifax, XXXX  and XXXX  and the fraudulent, incorrect information is still there. I do not know who XXXX is. I have never signed an agreement with XXXX. They should NOT be on my credit profile. This is fraud. 

I disputed the account XXXX ( {$97.00} ) with Equifax and the fraudulent, incorrect information is still there. I do not know who account XXXX ( {$97.00} ) is. I have never signed an agreement with account XXXX ( {$97.00} ). They should NOT be on my credit profile. This is fraud. 

I disputed the account XXXX ( {$170.00} ) with Equifax and the fraudulent, incorrect information is still there. I do not know who account XXXX ( {$170.00} ) is. I have never signed an agreement with account XXXX ( {$170.00} ). They should NOT be on my credit profile. This is fraud. 

I disputed the account XXXX ( {$83.00} ) with Equifax and the fraudulent, incorrect information is still there. I do not know who account XXXX ( {$83.00} ) is. I have never signed an agreement with account XXXX ( {$83.00} ). They should NOT be on my credit profile. This is fraud. 

I disputed the account XXXX ( {$92.00} ) with Equifax and the fraudulent, incorrect information is still there. I do not know who account XXXX ( {$92.00} ) is. I have never signed an agreement with account XXXX ( {$92.00} ). They should NOT be on my credit profile. This is fraud. 

I disputed the account XXXX ( {$58.00} ) with Equifax and the fraudulent, incorrect information is still there. I do not know who account XXXX ( {$58.00} ) is. I have never signed an agreement with account XXXX ( {$58.00} ). They should NOT be on my credit profile. This is fraud. 

I disputed the account XXXX with Equifax and the fraudulent, incorrect information is still there. I do not know who account XXXX ( {$92.00} ) is. I have never signed an agreement with account XXXX ( {$92.00} ). They should NOT be on my credit profile. This is fraud. 

I disputed the account XXXX with Equifax and the fraudulent, incorrect information is still there. I do not know who account XXXX is. I have never signed an agreement with account XXXX. They should NOT be on my credit profile. This is fraud. 

I sent disputes about the above accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 The fraudulent information remains.
Product: Credit reporting

I had Filed for chapter XXXX XX/XX/XXXX and was discharged XX/XX/XXXX. I had been disputing items on my credit report about things that was not correct and every time I dispute it something else is wrong. now this time it is saying that the accounts are charge offs after I filed for bankruptcy. I do n't think they should be reporting charge offs on accounts that were closed with a bankruptcy because they were sold off after I had filed. and if they were charged off and sold it should state that the date before I had filed. I t also says debt included in chapter XXXX on XX/XX/XXXX it was not included in XXXX it was included in XX/XX/XXXX with all my bills I handed over and it should also state by consumer 's request not XXXX request.
Product: Money transfer, virtual currency, or money service

i had purchased a money order for the amount of {$590.00} for my monthly rent, after a minth that my landlord indicated that he never recived i have been in process with Western union and had submitted the proper documentations + XXXX extra XXXX dollar moneyorder to have them locate my money order. its been XXXX  month and no response.
Product: Debt collection

There was an account on my credit report listed with a different collection agency for XXXX XXXX. Because I knew the account was inaccurate, I disputed the account and requested validation of what they were reporting and the prior collection agency deleted the account on my credit report when I did this. Months following this collection agency deleting the account, I suddenly get an alert that a new collection agency is reporting the debt called Enhanced Recovery. I was never sent any sort of notification from this company that they had purchased the debt so I disputed the account again with Enhanced Recovery and they 've yet to respond to my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to XXXX  on XX/XX/2021 and Transunion on XX/XX/2021 letting these companies know that there are two accounts showing up on my credit profile that does not belong to me and requested that these two accounts be block and removed. I also contacted the creditors furnishing these account on XX/XX/2021 and requested proof of ownership and have yet to receive any documentation. Despite me providing appropriate proof of the identity, copy of an identity theft report, and a statement identifying the information, these companies still did not remove and block the WFC account # XXXX account and XXXX XXXX XXXX account # XXXX from my file as regulated by law. 

According to the FCRA 605B ( 15 U.S.C. 1681c-2 ), a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of 15 U.S.C. 1681c-2