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 Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 late payments were incorrectly reported due to an issue with the automatic payment system that I had set up with XXXX. The funds were available in my account, but due to a technical error, the payments were not processed on time, leading to the late payment entries on my credit report. This error was not caused by my actions and should not reflect negatively on my credit history. 
Evidence provided : Bank statement showing sufficient funds in the account on the payment dates. 
Correspondence from XXXX  acknowledging the technical issue with their automatic payment system. 
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

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$520.00} XXXX XXXX  XXXX Balance : {$310.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Acct # 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: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my most recent report, I discovered some items for which I had never applied or received any correspondence. A bill sent without a signature does not suggest that the debt is legal, and anyone can claim ownership of a bill. Be warned that this is an effort to violate FDCPA 1692, which is a federal statute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called company multiple times over the past few weeks and submitted claim to get this resolved and the issue is still not corrected. I am unable to view my credit report and score and mortgage company can not generate report stating the credit file is suppressed. I spoke with Equifax who stated they could see my report and score on their end and did not know what the issue was. this is very concerning as they have no other alternatives to resolve the issue outside of escalation. I can not close on my home until this issue is correct in the prior complaint Equifax never corrected the problem.
Product: Credit reporting or other personal consumer reports

I Checked my Credit Report and I have been a victim of identity theft. I am requesting the immediate blocking of the fraudulent information on my credit report pursuant to 15 U.S Code 1681c-2. 

XXXX Accounts : XXXX and XXXX JPM Accounts : XXXX and XXXX XXXX  account : XXXX. 

I Request that you block the above referenced information from my credit report within the 4 business days as required by law.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong info, not mine : FCRA violations XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Product: Checking or savings account

Im not sure why or if someone used my information now that Im of age I can not open ANY Bank account and its very aggravating and not helpful
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm contacting you regarding an account that does not belong to me, but it shows on my credit report I have tried to dispute them with credit bureau which in result they didn't remove the account and inaccurate account still show on my credit.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXXXXXX XXXX : Account # XXXX # XXXX, U.S. Department of EducationXXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX Department of EducationXXXX : Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of EducationXXXX : Account # XXXX # XXXX # XXXX XXXX U.S. Department of EducationXXXX XXXX Account # XXXX # XXXX # XXXX, XXXX XXXX : Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX : Account # XXXX, XXXX : Account XXXX XXXX, XXXX XXXX : Account # XXXX, 15 USC 1681 Section 602 A States : I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c Section ( a ) ( 5 ) States : No consumer reporting agency may make any consumer report containing the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 USC 1681s-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX date of birth : XXXX My credit report is showing accounts I can not get resolved because when I search address to creditors it says fraud or address does not exist. Can you please help assist me? I do not know how to correct my credit report if creditors can not be tracked down. 

I need the original owners/bill collectors address of my bills so I can pay my bill. I dont even know if these are my bills and I keep asking for help my going through XXXX XXXX and have submitted paperwork to all three credit reporting agencies in the past. I have no clue who the bills originally were billed from and I do not know if these creditors are real. I want all bills mailed to my home address so I can approach paying my bill to the original bill collector. 

XXXX XXXX XXXX XXXX XXXX, XXXX , WI XXXX. Acct : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX, OH XXXX Acct:XXXX, XXXX, XXXX, XXXX Commonwealth Financial XXXX XXXX XXXX XXXX, XXXX PA XXXX and XXXX XXXX XXXX XXXX, XXXX PA XXXX. Acct : XXXX
Product: Credit card

Over a year ago, I had misplaced a credit card ( issued by Continental Finance ). I knew it was in my house somewhere and had not been stolen, but I could not find it. I called Continental Finance to replace the card, explaining there was no fraud, I just needed a new card. They said they would send one in the mail. It never came. I made no less that 5 calls to Continental Finance with the same request. Each time, I was told my card would be sent to me. I never received the card. Each time I called, I was told that there was some kind of security alert on my card, that was causing them to not send my card. I eventually gave up and paid off my card in order to close it. Once I paid the card off, I called to close the account. They apologzed for the previous problems, and told me they closed the account. This happened in the beginning of XXXX. XXXX XXXX I was billed for the {$18.00} account maintenence fee. I called to complain. They never could give me a straight answer, as to why my account was not closed. They have said they have closed my account again and refunded my charge, but I can not take them at their word, because each time I have called, they have claimed to resolve my issues, and have failed to do so each time.
Product: Credit reporting or other personal consumer reports

I am writing to complain to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX, and my social security number is XXXX. The FTC report number related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. 

As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my official request to have the aforementioned item to be deleted off my credit report ; This letter to dispute a claim that is falsely listed on my credit report with your bureau. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX   XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating t
o a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

I am an attorney acting on the behalf of a client whose credit cards were cancelled without being provided a reason or reasons in writing by Capital One. A letter was sent by me to Capital One at XXXX XXXX   XXXX XXXX, XXXX XXXX Virginia, XXXX on XXXX20 explaining their failure to provide such information. As of the date of this complaint, I have yet to receive a reply. You have my e-mail address : XXXX. 

Thank you
Product: Credit card

I consistently maintain punctual payments on this account, never allowing them to be overdue. I'm uncertain about the reasons for the late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Mortgage

In XXXX XXXX my loan was paid off due to the sale of the property and during closing I made an over payment in the amount of {$780.00} to Ditech. This over-payment was refunded to me by check, ~ XXXX dated XXXX XXXX XXXX. The check was subsequently lost in the mail so I contact Ditech in XXXX XXXX to have it re-issued. It is now XXXX XXXX and I still have not received the money owed me. I contacted Ditech in XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX & XXXX and XXXX XXXX to find out why I still have not received my money. I have spoken with XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX all of whom assure me that a check had been re-issued and would be mailed out within the next 30 days. XXXX, who is apparently the supervisor gave me his personal number and confirm an electronic payment would be made on or about XXXX XXXX. This still has not happened and he is now not accepting my calls. I have left him numerous messages. No one from Ditech has made any attempt to contact me regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I worked for a non-profit for XXXX  years and XXXX months, and this has been certified since XX/XX/XXXX. 
I submitted an " XXXX XXXX XXXX '' form with XXXX on XX/XX/XXXX. I called and followed up with XXXX, and they acknowledged they had the document. Then, I applied for consolidation, thinking the in-school deferment was already applied to my account before consolidation, as I confirmed with XXXX. 
XX/XX/XXXX, my loans were transferred to Mohela. My account did not update anything until XX/XX/XXXX. 
When it was updated, I saw in-school deferment waiver was not applied yet. I contacted the Mohela Representative on the Chat and phone multiple times. They acknowledged they received the document from XXXX, but the representatives refused to use the form because " it will put your loans on delinquent, '' " You need to wait for a little longer, '' etc. All of the representatives I encountered seem to have different reasons why my form is not processed for 15 months. Is this legal for Mohela representative not to process my form and ignore my request for various reasons? Is there a written, legally binding why my document can not be processed? 

The XXXX website states, " If I return to school and qualify for an in-school deferment on my Direct Loans that are in repayment, can I decline the deferment and make qualifying Public Service XXXX XXXX XXXX XXXX ) payments while Im in XXXX? Yes. You can decline an in-school deferment on your loans that are in repayment status and make qualifying payments on those loans while you are in school. Remember, in order for your payments to qualify for XXXX, you must be employed full-time by a qualifying employer while you attend school. '' According to the XXXX information, I do not think my loans would become delinquent. 

The XXXX website also states, " Summary of Changes Available During the Limited PSLF Waiver You may receive credit for past periods of repayment on loans that would otherwise not qualify for XXXX. 
... ... ... .... 
Past periods of repayment will now count whether or not you made a payment, made that payment on time, for the full amount due, or on a qualifying repayment plan. 
... ... ''
Product: Credit reporting or other personal consumer reports

MY CREDIT REPORT IS SHOWING THAT MY ACCOUNT HAS BEEN CHARGED OFF AND SOLD. I HAVE NEVER RECEIVED A 1099-C FORM FROM THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report that somebody has used my identity to open accounts in my name withoutmy consent, this report is produce to dispute these fraudulent accounts, that has damagemy credit record, Please note these incident for future references.
Product: Credit reporting, credit repair services, or other personal consumer reports

With the new law allowing free freezes with the three credit bureaus I was able to complete freezes easily online except for Experian. 

Its not possible to call them. Even though the same identity information was required by the other Bureaus who processed the request Experian claimed to be unable to respond to the request and insisted on mail in of identity information. 

Experian appears to be frustrating the intent of the law making to make it easier for consumers to protect their credit information by insisting on mail. I can understand the need for rigorous review to unfreeze but not to freeze as this is often needs to be implemented quickly to minimize risks and prevent improper use of identity information.
Product: Credit reporting or other personal consumer reports

I've sent in exactly what Equifax wanted me to send in a police report along with social and driver 's license proof W2 etc. Still no account access. These purps have access to each and every credit profile I've set up and are using my credit score which is now unscorable. Also changing my route of mail I've filed with the XXXX FTC XXXX XXXX sheriff 's office XXXX police department XXXX XXXX police department FBI and so on. I've filed with the inspector generals office and so forth. XXXX case number is XXXX department of education case number is XXXX FTC case is XXXX. Money laundering from state to state and applying for different loans. Inquiries or goin to old addresses which I did not apply for these people have fraud IDs driver 's license social security card etc.