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 : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian 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 : The payment was reported 15 days late, even though I made the payment on time, and this is documented in my bank statements.

There were clerical errors where my account was inaccurately flagged as overdue, but I provided evidence that no late payment was made, as shown in the attached payment confirmations.

The inconsistency of payment dates across credit bureaus further demonstrates the inaccuracy and improper reporting of this account status.

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, credit repair services, or other personal consumer reports

15 U.S CODE 1861 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT.

I did not give permission to use my consumer credit. I never had any contract with XXXX XXXX XXXX, Nor do I recognize this account. 
My rights are being violated.
Product: Checking or savings account

I filed a claim with the CFPB against Bank of American, since it closed my company 's account almost 2 years ago and has not returned the funds. After 60 days, BOFA responds that it needs 30 more business days to respond to my claim and CFPB closes the case. In reality, there was no response from Bank of America, the case must remain open or open another asking them to respond positively or negatively, but to clearly say what happens with the return of the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America requested my credit information for a credit check in order to qualify for a mortgage. I have not received the results from this credit pull. I asked last week 3 different times to send this information. They never responded to this request and recently asked permission to pull another check because THEY messed up inputting information the first time. How many mystery credit pulls do I need to submit to for a mortgage.
Product: Consumer Loan

This creditor is stating that account is XXXX past due with no payment The payments were made on time but they credited to wrong account. I faxed them copies of amount and dates of payments. They said that corrections would be made to account in XXXX days. Its been XXXX weeks. I need it fixed. And there are XXXX incorrect addresses that i have NEVER used.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Request for Account Information [ Account Number : XXXX ] Dear Sir/Madam, I hope this letter finds you well. I am writing regarding the above-referenced account. I am not disputing the information provided in my credit report but kindly request the following specific details for my records : Date of First Delinquency Date of Last Payment Date of First Charge-Off This information will help me better understand the account history. Please provide this information in writing to the address listed above. 

Thank you for your attention to this matter. Should you need any further details from me, feel free to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

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

My information was in data breach XXXX  XXXX and wells fargo
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian should not be reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Accurate Background : For new hire soon to be employees. Employers are unable to obtain background checks in a timely manner. Employers are unable to fill positions and new hires go without employment while waiting for the results. Many complaints are posted with the XXXX XXXX XXXX. One new hire waited a month for his background check and went homeless while waiting to be able to start his new job. I personally haven't been able to finish my leasing paperwork for two week. I fear that the low income apartments will be taken before I get the background check. Meanwhile, my bank account drains as I pay for a extends stay hotel as my transitional housing.
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I discovered several hard inquiries listed that I did not authorize or request. These inquiries were made without my consent, which is a direct violation of my rights under the FCRA. 

The FCRA, specifically in Section 1681b, outlines the permissible purposes for which a consumer report may be obtained. It is clear that these inquiries were not made for any of the permissible purposes outlined in the FCRA, nor did I provide consent for such inquiries to be conducted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have this negative remark in my credit report, by XXXX XXXX XXXX. this is not mine, i have written the bureaus over a year, and XXXX XXXX XXXX, ( XX/XX/2021 ) asking for validation, of this debt. They have refused to validate, the credit bureaus, only saying it has been verfifeid which is clearly not the same. theses large giant companies, flaunt the rules, and the credit bureaus are in bed with them, verifying and validating are two different things, i'm a single mom looking to buy a home, and this erroneous mark is preventing it, can anyone please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX   XXXX {$1700.00} XXXX XXXX {$19000.00}
Product: Mortgage

My ex husband got a house with me in my name then he XXXX XXXX me and I moved out and filed foXXXX XXXX  and the magistrate ordered him to refinance to get in his name in XX/XX/202. He didnt do the magistrates order, I had to take him to court for contempt and finally won in XX/XX/2023. I need this removed from my credit. Thank you for your time.
Product: Prepaid card

Purchased a Google playstore gift card as a present for my son on XXXX XXXX. The card stated it could only be used in the XXXX, which is where I live. Sent all evidence to Google play receipts etc. And I'm still sending them XXXX XXXX. 
Google play tell me it's been sorted, but it hasn't I'm still unable to use the card, they are not trying to help me. I have numbers cases open with them, they gave failed to reply to an email i sent XXXX  days ago. 
I'm currently in the process of trying to see where and how I can escalate this case to gwt my money back. I have asked them to just credit my account but they reckon they can't do that. I won't be purchasing a card again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected to consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : AXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states that 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 the seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related 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

XX/XX/XXXXXXXX and Transunion are continuing to report a " charged off '' account as an open account.XX/XX/XXXX responded to last complaint stating an account can be charged off and open at the same time while it was also sold to a collection agency. Charged off accounts CAN NOT be charged off AND open at the same time. This is violating FCRA requirements for accurate reporting with TransUnion. The account status needs to be placed under Closed with the Charge Off and balance remaining, or the account MUST be changed to Past Due and open with balance remaining.
Product: Credit reporting

There is something from XXXX on my credit report and I know nothing about any outstanding bill from XXXX.
Product: Credit reporting or other personal consumer reports

My account with 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 in 60 days 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.

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 8
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report, I noticed hard inquiries that I did not make, nor did I approve anyone to pull my credit report. Also, I noticed that a creditor is reporting inaccurate information on my credit report. 

Inaccurate Reporting : XXXX XXXX XXXX, failed to properly report correctly pay information and placed late payments on consumer report. 

Inquiries Listd Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I need all of these inquiries that I didn't make or authorize removed from my consumer report.
Product: Mortgage

I had an existing claim with my mortgage company and they lied on that claim stating I denied a mortgage modification, when they told me my loan did not qualify and I only had a deferral option. XXXX and SHE had called me on XXXXafter my initial claim XXXX stating they would expedite my application and get the deferral done. This had not happened as of yet and I am still awaiting after my original application date of XX/XX/XXXX for loan modification was submitted. 

I have called on XXXX, XXXX, XXXX, XX/XX/XXXX and on XX/XX/XXXX requesting the deferral information and they keep dragging it out and not having supervisors call back with my request. Now they are stating it will take another 90 days to get this process going.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed dispute # XXXX on XX/XX/XXXX with Experian requesting the late payments reported by Dept of EducationXXXX which are currently reporting 15 late payments be removed whereas they are in violation of the Fair Credit Reporting Act Pursuant to 15 USC 1681a Definitions ; Rules of Construction ( 2 ) ( A ) ( i ) Exclusion and such experiences are to be excluded from consumer reports. Further that are past the states of limitation in NY which is 3 years. Likewise a closed Child Support Enforcement item is reporting late payments on a closed account in violation of the same citations stated supra. These action are being deliberately perpetuated due to exclusionary and predatory anti competitive actions of my business competitor XXXX XXXX XXXX in their plot to keep me from financing my newly established company XXXX XXXX. and is currently subject to XXXX XXXX number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am currently in the financing and planning stages and negotiating with XXXX a non profit organization that provides Start ups with resources and SBA guaranteed financing. They refuse to move the items to ruin my ability to secure necessary financing. I requested validation of these item and a full description of all employees contacted and whom certified these items in accordance with FCRA section 611 ( a ) ( 7 ) after the initial 30 day investigation requesting reinvestigation which was to be completed within 15 days and I was to receive Notice of The Result pursuant to FCRA 611 ( a ) ( 6 ) however no results have been provided although I have requested them repeatedly by phone. These items must be removed from my account immediately in accordance with FCRA.
Product: Credit reporting

I recently purchased a credit monitoring plan online and was shocked to see an account from a company that I had never used that had been turned over to a collections company. I called the collections company and they attempted to collect the debt listed, which is NOT mine and I explained that to them. They said to call the original creditor and I did that. When I called the creditor, XXXX ( XXXX ) a telephone/cable company, they took the account number that I had been given by the collections company ( XXXX XXXX XXXX ) and asked some information. They did NOT have my SSN, they had an address at which I have never lived and they had a DL # that did NOT end in the same XXXX digits as mine does and the last XXXX of the SSN did not match mine. HOWEVER, this item is showing up on MY credit report, saying I owe roughly {$480.00} and that it has been turned over to a collections agency. My concern and question is, HOW is something allowed to be placed on my credit report ( both Experian and XXXX ), and negatively affect my credit, if they do n't have my SSN? I am being passed from XXXX to the collection group, XXXX XXXX XXXX and all they want to do is to try to collect on the outstanding debt that is NOT mine. I need help.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes along with Identity theft reports/police reports to Equifax for fraudulent accounts and inquiries. They have not properly investigated these items nor provided sufficient evidence that i opened these fraudulent accounts. They refuse to remove all inaccuracies on my credit and it is damaging it bad!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I requested a copy of my credit report be sent out by XXXX. I started going thru it and immediately found a problem : XXXX, XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX Partial Account Number : **** Original Creditor : XXXX XXXX Status : Collection account. {$210.00} past due as of XX/XX/XXXX Now, this is from when I lived at XXXX XXXX XXXX, in XXXX XXXX, back in XXXX. It was for high-speed internet service. I phoned in and canceled the service, before relocating from XXXX XXXX to the XXXX XXXX, around XX/XX/XXXX. The person that I spoke with asked about whether or not I would be starting the service up, again, in my new location, and I said that it should just be terminated as I was not sure where I would be living and if XXXX XXXX  would even be available, where I eventually settled. 

I have spent most of the past three years in XXXX, XXXX. 

I phoned XXXX, on XX/XX/XXXX, to dispute the claim. I related the story to them, via their system. 

Later on XX/XX/XXXX, I logged in to find that the collection item had been deleted. 

In XXXX, though, it showed up, again : this time, associated with an " XXXX XXXX XXXX ''. 

XX/XX/XXXX Update : I phoned TransUnion ( at XXXX ), today, to go over the whole sad, sorry case. Thru the person that I spoke with, I filed another dispute ... Confirmation ( transUnion case ) Number :  XXXX. 

XX/XX/XXXX update : I found that the collection item was still showing on my credit report, a few days ago. So, I phoned TransUnion, again. The rep said that there was a XX/XX/XXXX, expected response date. He said, also, that a statement of the results of my XX/XX/XXXX dispute had been mailed to me, at the XXXX address. I wasn't there to receive it, but since this item is still showing on my credit report, it seems that the dispute went nowhere. 

XXXX dropped the item, but TransUnion is failing to do so. 

On XX/XX/XXXX, I lodge a complaint against XXXX XXXX XXXX with the XXXX  ... 


Thank you for using the XXXX XXXX XXXX XXXX Online Complaint System. 
Your complaint has been assigned case # XXXX. 
Correspondence regarding this complaint will be emailed to : <email address removed> Please print a copy of this for your records. 

Filed on : XX/XX/XXXX Filed by : XXXX XXXX <postal address removed> Filed against : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes, I have disputed several inaccuracies on my credit report to XXXX, Equifax, and XXXX  about several derogatory items on my report as well as late payments that have been added to my report inaccurately. I have reached out to them to verify and remove these inaccuracies over 30 days ago. Based on the letters that I have sent them this was on XX/XX/2020. As I explain in my letter to them my previous letters haven't gotten a response either. Now they are not responding to the ones I have sent 35 days ago. The copy that I sent them were signed and attached was a copy of my driver 's license and copy of my social security card
Product: Credit reporting, credit repair services, or other personal consumer reports

Account satisfied / not owed / not mine falsely and repeatedly reported. Equifax denies I am the complainant and does so repeatedly to avoid accountability of regulators in violation of license and law. 

No moneys owed. Attached find record indicating same. Yet no documents contrary to nothing owed or substantiating complaint have ever been provided.