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

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living XXXX who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries : Sure, heres the list with all the credit bureau names removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Credit reporting or other personal consumer reports

I have repeatedly reached out to these creditors, XXXX and XXXX regarding the balance. Originally, I engaged in the debt management program, XXXX recommended by these same creditors. In XXXX, I had to delay one payment due to hardship, consulted with XXXX  - and eventhough I resumed the normal plan within 19 days, I was severely penalized from that point forward. So, I decided to move to a more customer friendly loan repayment provider and selected XXXX. All debts were rolled into XXXX and paid to the creditors. Then in XX/XX/XXXX, the late payments were posted on my account again. Ruining my credit so bad, I was unable to qualify for a home equity loan which was the goal. With a credit score less than XXXX, I was back where I started.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right of privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions. 15 USC 1666 B : A creditor may not treat an open end Consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the late payments that have been reported on my credit report. According to my records, I have made all payments on time and in full, and I believe that these late payment entries are inaccurate.

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), consumers have certain rights and protections when it comes to credit reporting. Specifically, I would like to draw your attention to the following provisions : 15 USC 1681i : This section outlines the procedure for disputing inaccuracies on credit reports. As a consumer, I have reviewed my credit report and identified the following late payment entries that I dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I request that you investigate these entries and remove them from my credit report if they are found to be inaccurate. I also request that you provide me with a written explanation of your investigation results and any corrections made to my credit report. 

15 USC 1681b : This section requires that credit reporting agencies only provide credit reports to parties that have a legitimate purpose for accessing them. I ask that you confirm that you had a legitimate purpose for reporting the late payments to the credit reporting agency in question.

15 USC 1666b : This section requires that creditors provide written notice to consumers when adverse actions are taken, such as reporting late payments to credit reporting agencies. I request that you confirm that you provided me with the required notice prior to reporting the late payments to the credit reporting agency.

Furthermore, I remind you of your obligation under the FDCPA to provide accurate information to credit reporting agencies. Failing to do so could be considered a violation of the Act and could result in legal action being taken against you.

Thank you for your attention to this matter. Please provide me with any necessary documentation or information to assist me in this dispute process.

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

I Had taken the XXXX  vaccine and had XXXX XXXX  and I almost lost my house and California relief XXXX helped me out! The Mortgage company was paid in full reporting incorrect! and this is hurting my credit saying paying Parcial payment when its not the fact! They have been paid in full and showing late payments when I took the government vaccine and it almost XXXX  me! so sad. XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 XX/XX/23 and there is other late payments that are inccorect
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 XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX 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 : Reason for Dispute : The payment was made on time, but due to a clerical error on the part of the creditor, it was recorded late. I have attached bank statements that confirm the payment was withdrawn from my account before the due date. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple letters to the credit bureaus addressing the billing errors that are appearing on my credit report. Under 15 U.S. Code 1666b, 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. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank accounts that I didn't pay and was marked late because these are clearly billing errors. Listed below are the accounts in question : XXXX XXXX Balance Owed : {$350000.00} XXXX XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$28000.00}
Product: Checking or savings account

On XX/XX/23 I received an email from Bank of America asking me to view the terms of my new banking account. I never opened an acct with them and called to report the obvious scam. They assured me they would take care of it but I proceeded to receive emails about my new acct. Today I found out that BOA was opening fraudulent accts in peoples names and Id like to pursue action against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is allowing these companies to continue to report fraud info on my credit profile, totally willfully disregarding my rights with the 605 ( b ) fcra law. I have sent in all the necessary documents to have these fraud items blocked from my report. They have had my documents far longer than the 4 business days of receipt stated in the 605b law. I call and they say they are still allowing creditors to pend their investigation, they will not block accounts, this is despicable. Willfully abusing a consumers rights.
Product: Debt collection

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting  timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 



XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, today I am reporting some accounts that are affecting my credit history and some inquiries that I do not recognize and I would like them to be removed from my history please. 

Accounts : XXXX Account Number : XXXX Balance : {$1600.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$93.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$1200.00} Inquiries that I do not recognize : XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX -- -- -INQUIRIES -- XXXX XX/XX/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 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

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/chargeoff in the amount of {$1600.00} on the XXXX  XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has been sent to Judgement and should not be reporting by the collection agency. It is a violation of the Fair Credit Reporting Act to report inaccurate information. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the collection agency as well as the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

This account, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  is fraudulent and inaccurate. I have attached a FTC report, also I have attached a 15U.S.C 605B letter. Also I have attachment 15U.S.C 1681i ( a ) 1 and 15U.S.C 1681i ( a ) 6 ( B ) XXXX. Please block or remove this fraudulent account form my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and reported to XXXX, Equifax and XXXX XXXX and they will not remove the fraudulent activity
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX : {$360.00} ; XXXX XXXX XXXX XXXX : {$280.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I just noticed that Capital One has marked an account that I was an authorized user on as closed. 

I need this fixed / late payments removed immediately, Unfortunately this is from a relationship that is no longer together ; however I wasn't aware of this accounts status as I have been out of the country. Please let me know what to do about these accounts below. 

OVERVIEW Credit limit {$500.00} Minimum monthly payment {$28.00} Opened XX/XX/XXXX ( 1 yrs,  10 mos ) PAYMENT HISTORY You've made 86 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX green_status green_status green_status green_status green_status green_status red_status red_status red_status XX/XX/XXXX green_status green_status green_status green_status green_status green_status green_status green_status green_status green_status green_status green_status green_status Current red_status Not current Last payment XX/XX/XXXX Payment status 90-119 Days Late Amount past due {$190.00} Worst payment status 120-149 Days Late ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Authorized User Remarks Canceled by credit grantor Times 30/60/90 days late 1/1/1 Closed XX/XX/XXXX The other account is OVERVIEW Credit limit {$500.00} Minimum monthly payment {$37.00} Opened XX/XX/XXXX ( 1 yrs, 3 mos ) PAYMENT HISTORY You've made 71 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX green_status green_status green_status green_status green_status red_status red_status red_status red_status XXXX green_status green_status green_status green_status green_status green_status Current red_status Not current Last payment XX/XX/XXXX Payment status 120-149 Days Late Amount past due {$260.00} Worst payment status 120-149 Days Late ACCOUNT DETAILS Account status Closed Type Credit card Responsibility Authorized User Remarks Canceled by credit grantor Times 30/60/90 days late 1/1/2 Closed XX/XX/XXXX My account that is still open and active is the account that I have continued to keep open / current etc w no problems so I would really appreciate some help with this. 

I need the late payments removed // fixed on my report and the issue fixed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Money transfer, virtual currency, or money service

I had reached out to an individual online about taking over a sublease of their apartment. They sent a photo of themselves and their driver 's license to " prove their identity. '' They had me fill out an application to take over the sublease and sign a lease to take over living at the property. At the time of completely the lease they asked me to send {$900.00} as a security deposit to a CPA. When doing a quick internet search the CPA was indeed a real person, however, the information they gave me to send the money to, was not to the actual individual. Additionally, the person had me send them {$1100.00} for the first month 's rent and to get the keys to the apartment. I used XXXX to send both transactions. Upon working on sending the second transaction, I became aware that this was probably a scam. I immediately reached out to Ally Bank to inform them and they refused to assist me with stopping the transaction. After both transactions had cleared, I reached out multiple times to Ally Bank and XXXX to work on getting a refund. Shortly after this both of the accounts had been banned from XXXX, which meant both Ally Bank and XXXX were aware that these accounts were involved with fraudulent activity. I filed claims with Ally Bank and followed up on them multiple times. They said to me every time I contacted them that someone would reach out about my case, but no one ever did. I always had to reach out to them in order to receive any updates. Additionally, I received no response back from XXXX. I filed a police report about a person using a fake identity and creating a fake lease to sublease an apartment. I also filed claims with the XXXX XXXX XXXX against Ally Bank and XXXX. Neither of them were willing to refund my transaction, despite the fact that it had happened while an individual was committing identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in numerous dispute letters and XXXX reports to XXXX, XXXX, and Experian to have these items deleted off of my consumer report. There are XXXX negative accounts reporting inaccurate information along not having my permission to report private information. XXXX XXXX services {$3500.00}, XXXX XXXX XXXX  XXXX {$3000.00}, XXXX {$5300.00}, XXXX XXXXXXXX XXXX XXXXXXXX {$850.00} These accounts are reporting as charge off accounts. Charge off accounts are reported as income to the IRS and by law income CAN NOT be reported on a consumer report. Also, I did not give consent to have these accounts reported to my consumer.