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 Equifax 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 Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Equifax 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 Made on Time : My payment for XX/XX/XXXX was made on time, as demonstrated by my bank statements and payment confirmations, which clearly indicate that the payment was processed well before the due date. This payment should not have been marked as late. 
Clerical Error at Creditor 's End : There was a clerical mistake by XXXX, where they incorrectly applied my payment to the wrong account, leading to the appearance of a late payment. I immediately contacted the lender once I discovered the error, and they acknowledged the mistake. I have attached correspondence from XXXX 's customer service confirming that this was a mistake on their end.

Technical Issues on the Payment Processing Portal : I encountered issues with XXXX online payment portal, which delayed the posting of my payment. Despite my efforts to make the payment on time, the technical issue led to the payment being recorded late. I have attached support tickets and communication with the banks technical support team showing the payment portals malfunction during the relevant period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax 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 card or prepaid card

On XX/XX/XXXX a fraudulent charge from XXXX was posted to my Wells Fargo XXXX XXXX XXXX XXXX XXXX for {$600.00}. I contacted Wells Fargo and reported the unauthorized/fraudulent charge as I don't even use the XXXX website XXXX a temporary credit was then applied. In XXXX, I noticed that my Wells Fargo Credit Card balance was unusually high. I found that the amount was due to being rebilled the {$600.00} from XXXX on XX/XX/XXXX. I contacted Wells Fargo XXXX XXXX and was informed they had proof that the product was delivered. I did not receive any unexpected delivery from XXXX. When requesting proof, it was not provided. I contacted XXXX XXXX, and a case was generated with XXXX XXXX On XX/XX/XXXX I had a missed call from Wells Fargo with no email or voicemail follow-up. I contacted the XXXX number and spoke with XXXX XXXX XXXX informed me that he will be closing the XXXX XXXX XXXX as the fraud team has provided evidence that my email ( XXXX ) was used for the purchase. This didn't line up as I've not received any email communication from XXXX regarding a purchase. I requested the evidence of my email being used with the proof of purchase, but XXXX did not have that information to share. I requested he email me with the case ID and his name, so I have a paper trail, but he did not do that. I called back that afternoon and spoke with XXXX, a supervisor from the XXXX XXXX. He mentioned that when reviewing the case information, he does not see the proof used to decline the claim. Unfortunately, no managers were available at the time to discuss further. I then contacted Wells Fargo Credit Card XXXX XXXX for right to documentation and was told that they'll submit the request to their back-office team to assess, which could take roughly 30 days. I was also told that they made an attempt to reach me at my phone number ( XXXX ) on XX/XX/XXXX but when reviewing my call-logs, there is no activity from Wells Fargo XXXX XXXX day. I've asked for reconsideration but they're simply denying it without looking further into this. I've also contacted XXXX ( on XX/XX/XXXX ) at XXXX requesting proof that the receipt was originally sent to XXXX and am unable to receive that documentation from them at this moment ( they provided me a blank email which has been uploaded to this ). I've also been told by the XXXX representative that the purchase was associated to phone number XXXX, which is not a phone number I've ever owned. When asking XXXX for further information, they refuse to provide me with it. I am requesting assistance with this as I feel Wells Fargo is not doing a diligent investigation and is instead holding me liable for an unauthorized/fraudulent transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kickoff Credit has not complied with helping me with my account. This service is a straight scam. Ive contacted support but no one has helped me. My payments wont go thru because theres no bank account option for payment even though my account is connected and you dont take my card. I stated before that I need the missed payment off my credit report and I'm going to pay the balance off in full but no help. The missed payment was due to their companies lack of infrastructure for payments. My payments are still missed to this day because they won't accept my bank account or debit card. They will not help me with removing the missed payment which is diminishing my credit when they are supposed to be a credit building company. They stated they couldn't remove the payment but I know this is false. They just don't want to help people, they want to take your money and ruin peoples credit. I uploaded images showing that I am unable to pay with my bank account which is the only method they accept from me since when I try my debit card they say it's not accepted, I should not be held liable when customer service hasn't even responded to my email which is also attached because I was out of the country for over 2 months with barley any service and they would refuse to help me, what kind of credit building company doesn't help their customers when they need it the most and then they are negatively affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian and as well as transunion are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian andXX/XX/XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against federal law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX, has violated my rights. 

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
Product: Checking or savings account

On XX/XX/2024, I noticed an attempted & fraudulent withdrawal from my checking acct. at Truist bank. I called and was told that I had to go to the bank to close all XXXX of my accounts to assure no additional attempted fraudulent withdrawals. I did so. XXXX new accounts were established : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The funds for the first XXXX were successfully transitioned to the new accts. ( after XXXX days of waiting. The funds remaining in the original XXXX acct. and XXXX XXXX  acct. have NOT been transitioned to the new ones despite XXXX visits with bank manager, three phone calls to the bank manager and one e-mail to the bank manager. This XXXX I reached out to Truist 's Accounts Takeover dept. Their resolution was to kick this back to the bank manager and her regional manager. Something here is not right. I would appreciate any assistance which you can provide.
Product: Mortgage

On XX/XX/22 my financial advisor ran my credit report for a mortgage and a company called AmeriSave Mortgage Corporation called me and I provided them all my information including my social security number. When I spoke to my financial advisor he told me that he did not send them to call me. Im concerned that I can get my information stolen since I gave my social security number. I also electronically singed some documents that I was not sure about. I spoke to AmeriSave Mortgage Corporation. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

I did agree to take any loan with them I called them back on XX/XX/22 to cancel the application that I made with them.
Product: Credit card or prepaid card

On XX/XX/XXXX I recieved a email from avant. I never received a card and it was marked as fraud. I was told the matter was handled multiple times XX/XX/XXXX I recieved a past due notice from avant about the same account stating I owed them XXXX dollars even though there was no account no credit card issued or turned on and it was marked as fraud 2 years prior. I've emailed and called multiple times and nothing is being done. 

For clarity I didn't have and avant account I do not have an avant account yet I am getting pass due notices for an account that didn't exist and was supposed to be fixed with the fraud department 2 years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

I am angered by the Credit Bureaus ' choice of action and did not completely removed the disputed accounts and information from my Credit file in which the Fair Credit Reporting Act section 605b requires the Credit Reporting Agencies to remove any accounts and information that resulted due to identity theft. Also, the Credit Reporting Agencies have been failing to send me copies of proof of verification or proof of ownership having my legal signatures. This is a clear violation of a consumer 's Rights under the Fair Credit reporting act section 605b. I have discussing with my legal team about the lawsuit that we are willing to file in the event the Credit Bureaus failed to comply with the requests under the FCRA Section 605b. If it is not too much to ask for, I am requesting that the Credit Bureaus remove the following accounts and information completely from my Credit file : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CO XXXX XXXX Original XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX : {$760.00} XXXX  XXXX XXXX  Original Creditor : XXXX XXXX XXXX Owed : {$240.00} XXXX  XXXX XXXX  Original Creditor : XXXX XXXX XXXX Owed : {$51.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

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

XXXX - 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: Checking or savings account

I attempted to open several checking accounts XX/XX/23 being denied for every major bank in the city of XXXX, I was finally provided with a letter from XXXXXXXX XXXX informing me. Their decision was made because of a report from early warning signs I replied, I recently filed a XXXX XXXX XXXX so I shouldnt old or have any balance is due to any other banks, I contacted early warning signs. They informed me the account that they are showing reporting, which is prohibiting me from opening. A new XXXX account is from a Bank of America account, which was included in my XXXX  I reached out to the bank directly to try to obtain some information. The representative I spoke with was extremely rude. He told me that they had marked my account as fraud and thats why I will not be able to open a new account. I asked him several times what was fraud, or what fraudulent activity took place on my account he would not inform me, he said they dont have to tell me anything. Im lucky he told me the information that he did. Before my account was close, I attempted to deposit a XXXX from another XXXX  account from a different institution. The check was declined, the funds were never deposited into my account, this would be the only thing that I can think of them reporting is fraud, which, honestly its not fraud at all. The funds were just not available by time they attempted to process the check due to automatic withdrawals. I would like for them to remove the fraud label from early warning signs because its not fair to me. It wasnt fair for them to put it and its not fair for me to be penalized for something that is not accurate. I feel that Bank of America is very discriminatory towards people of XXXX  When I open the account I had to jump through hoops, hoops, hoops, in order to open the account now theyre making it difficult for me to open account at any XXXX institution.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract any all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 

US DEPT OF EDXXXX XXXX XXXX HAS VIOLATED MY RIGHT US DEPT OF ED/XXXX/XXXX  XXXX COLLECTION HAS VIOLATED MY RIGHT US DEPT OF EDXXXX XXXX COLLECTION HAS VIOLATED MY RIGHT US DEPT OF EDXXXX XXXX COLLECTION HAS VIOLATED MY RIGHT This is a violation of the FCRA & is also in violation of requisite METRO 2 & 609 LETTER Compliant reporting standards. By the provisions of the Fair Credit Reporting Act & per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 Compliance regulations, I have the right to a fair & accurate credit report, & you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above-mentioned derogatory items be investigated a permanently removed from my report. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX XXXX  Account # XXXX and XXXX XXXX XXXX Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my report. But still that inaccurate information is constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION COMPLETELYFROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX MI XXXX
Product: Credit reporting or other personal consumer reports

Name : ( private ), Social Security Number : ( Private ), Date of Birth : ( Private ) This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account opened at XXXX Account XXXX on XX/XX/XXXX under the account number ( private ) with a balance of $ ( private ). A collection account opened at XXXX XXXX XXXX opened on XX/XX/XXXX under the account number ( private ) with a balance of $ ( private ). A collection account opened at Contract Callers Inc opened on XX/XX/XXXX with a balance of $ ( private ). A personal loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), with a balance of $ ( private ). These accounts have resulted in several fraudulent accounts and collections appearing on my consumer FICO credit report. I've attached a list of accounts in question as well as a copy of the consumer FICO credit report which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I sent letters last month to the 3 credit bureaus but the all letters has been ignored. I sending this complaint to let the bureaus know that I'm sending my letters on my own. I never hired or use 3rd party to send and file complaint against to the bureaus. I hope it will help to response to my complaint. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.