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

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 those account 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. 


XXXX  XXXX 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
Product: Credit card or prepaid card

I disputed a charge that was incurred in XX/XX/XXXX by a hotel in XXXX. The hotel charged 100 % of their fee for not showing up. My email confirmation of the reservation stated that I was only responsible for 50 % of the charge. I called Bank of America credit card dispute department and they promised to look into it. On my next credit card statement I received a credit for the overcharge. I thought that was the end of it. I then received a letter from Bank of America dated XX/XX/XXXX requesting more information about this particular charge. However, that letter dated XX/XX/XXXX arrived in my mail on XX/XX/XXXX with a response deadline of XX/XX/XXXX. I sent in the information they requested the following day : XX/XX/XXXX. Obviously they did not receive the response by their deadline which was due to no fault of my own giving the date I received the request for more information. Because they did not receive the response by their deadline, they refuse to arbitrate on my behalf.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the removal of inaccurate and fraudulent information from my credit report in accordance with Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). 
XXXX. Fraudulent Address : The following address is listed fraudulently on my credit report and must be removed : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX This address was added without my authorization and is not connected to me. Please remove it from my credit report immediately, as it is a clear case of fraud. 
2. Negative Accounts Related to Fraud : I also dispute the accuracy of the following accounts, which appear to be related to fraudulent activity. I request that they be removed from my credit file under Section 605 ( b ) : Account Name : XXXX XXXX XXXX XXXX Loan Account Number : XXXX Reason for Dispute : This account was opened without my knowledge or consent as part of identity theft. 
Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Reason for Dispute : This account was opened without my knowledge or consent as part of identity theft. 
Account Name : XXXX XXXXXXXX Account Number : XXXX Reason for Dispute : This account was opened without my knowledge or consent as part of identity theft. 
Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason for Dispute : This account was opened without my knowledge or consent as part of identity theft. 
Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason for Dispute : This account was opened without my knowledge or consent as part of identity theft. 

Under Section 605 ( b ), fraudulent or inaccurate accounts must be removed from my credit report. I request an immediate investigation into these items and their removal from my credit file. 
I have enclosed copies of my identity theft affidavit, my government-issued ID, and a utility bill as proof of my identity, along with any relevant documentation related to the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS PREVIOUSLY AN AUTHORIZED USER ONE OF MY EX-HUSBAND 'S CREDIT CARD ACCOUNTS ; HOWEVER, I REMOVED MYSELF FROM THIS ACCOUNT A MONTH AGO, YET IT IS STILL SHOWING ON MY CREDIT REPORTS. THIS IS THE XXXX XXXX  ACCOUNT. IT NEEDS TO BE DELETED FROM MY REPORTS IMMEDIATELY. I AM NO LONGER AN AUTHORIZED USER ON THIS ACCOUNT, I HAVE NOTHING TO DO WITH THIS ACCOUNT, AND I AM NOT RESPONSIBLE FOR IT. I HAVE ATTACHED SCREEN SHOTS OF THE ACCOUNT AS IT SHOWS ON MY CREDIT REPORTS. AGAIN, THIS IS THE XXXX XXXX ACCOUNT THAT NEEDS TO BE DELETED FROM MY REPORTS IMMEDIATELY AS I AM NO LONGER AN AUTHORIZED USER ON IT AND IT IS NOT MY RESPONSIBILITY.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer social security number : XXXX. Consumer DOB : XX/XX/year>. This CFPB Complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C -1681c-2 ) that'd be you. The XXXX, XXXX, Transunion credit reporting agency block Information appearing on my consumer credit report that is the result of Identity theft and Fraud withing 5 days of you receiving this Complaint, This Fraudulent, inaccurate and False Information has Charge off 's from XXXX XXXX for {$100.00} for XXXX but shows as {$300.00} FOR Transunion. XXXX XXXX for {$140.00} for and Collections from XXXX for {$860.00}, XXXX is showing for {$100.00} on one account then XXXX on another account. XXXX XXXX for {$990.00}, XXXXXXXX XXXX for {$830.00} and XXXX XXXX services these are accounts ranging from the last 3 years and I have never been informed of ay of it as I've been homeless the last 7 years in and out of shelters. I do not recognize these accounts being reported. I will attach the copy of the FTC Identity theft Criminal report Complaint NUMBER XXXX as proof from the US Federal trade commission that all mentioned are the result of Identity fraud. Transunion had XXXX Hard Inquiries needed to be removed and XXXX had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Formal Complaint Against Experian for Persistent Inaccuracy, Credit Score Decrease, and Malfunctioning Boost System Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian, a major credit reporting bureau, due to their ongoing failure to update my personal information accurately, the unexplained decrease in my XXXX XXXX, and issues with the malfunctioning Boost system. 

Name of Credit Reporting Bureau : Experian Account Number : XXXX Date of Complaint : XX/XX/2023 Despite numerous attempts, I have been unable to resolve the following issues with Experian : Inaccurate Personal Information : I have sent multiple validation letters and correspondences to Experian XXXX including the fraud department, requesting the removal of inaccurate personal information, name variations, and phone numbers. Unfortunately, these efforts have yielded minimal results, and the inaccurate information persists on my credit report. 

Credit Score Decrease : I have diligently managed my credit by ensuring that all my credit card balances are consistently below 10 % of usage. However, instead of observing an improvement in my credit score, it has continued to decrease without a clear explanation from Experian. 

Malfunctioning Boost System : The Experian Boost system is not accurately reading all bills, rendering it ineffective. Despite numerous attempts to seek assistance through emails via the webpage, the issues persist, and the Boost system does not seem to work as intended. 
Unauthorized Inquiries Reporting : I have observed unauthorized inquiries reported on my credit report that were not initiated by me. These inquiries are affecting my credit score negatively, and I have not received satisfactory responses from Experian regarding their origin. 
I have taken the following steps to address these issues : Sent numerous validation letters to Experian, requesting the removal of inaccurate personal information. 
Corresponded with Experian 's fraud department to report and rectify the inaccuracies. 
Maintained responsible credit usage by keeping credit card balances consistently below 10 %. 
Enclosed with this complaint are copies of relevant documents, including validation letters, correspondence with Experian, evidence of responsible credit management, and records of unsuccessful attempts to seek assistance with the Boost system. 

I am seeking your intervention to address these persistent issues and request that the Consumer Financial Protection Bureau investigate Experian 's non-compliance with the Fair Credit Reporting Act ( FCRA ). I kindly ask for your assistance in compelling Experian to update my personal information accurately, explain the credit score decrease, and rectify the malfunction in the Boost system. 

I appreciate your prompt attention to this matter and thank you for your assistance in resolving these issues.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and I am requesting that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c- 2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). These accounts were fraudulently opened in my name as a result of the breach. 
Please see the affected accounts below : Accounts to Be Blocked and Deleted : 1. XXXX XXXX XXXX Account Number : XXXX Opened : XXXX, Balance : {$13000.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Opened : XXXX, Balance : {$4000.00} XXXX XXXX XXXX Account Number : XXXX, Opened : XXXX, Balance : {$0.00}
Product: Checking or savings account

I am writing to formally submit a complaint against Bank of America regarding their inconsistent overdraft policy, which has led to significant financial difficulties for me as a consumer. 

On XX/XX/year>, I attempted to make a payment to XXXX XXXX for {$1000.00}. This payment was returned due to insufficient funds, and Bank of America later stated that if the payment had been processed, it would have overdrawn my account by approximately {$30.00}. However, when I review my account online, there is no indication that this transaction would have overdrawn my account. 

Furthermore, I have had multiple payments processed both before and after this transaction, even when my account balance was low, and I was charged overdraft fees on those occasions. The inconsistency in the bank 's handling of these transactions, combined with the lack of transparency regarding available funds, has led to considerable confusion and frustration on my part. I feel that I have been subjected to unfair overdraft fees due to unclear policies and practices. 

When I contacted Bank of America to dispute this issue, I received copies of the information that their employees accessed on their end. However, the explanations provided did not satisfactorily clarify the inconsistencies in their overdraft policy or why the XXXX XXXX payment was treated differently than other payments that were processed successfully. The lack of clear communication regarding my account status and the availability of funds is unacceptable and has negatively impacted my financial situation. 

I believe that consumers have the right to clear and consistent information regarding their accounts, particularly concerning overdraft fees and fund availability. The current situation has not only caused me financial stress but has also diminished my trust in Bank of America 's banking practices. 

I respectfully request that the CFPB investigate this matter to ensure that Bank of America adheres to fair practices in their overdraft policies and provides transparent communication to their customers. I hope that this investigation will prompt Bank of America to reevaluate its policies and practices to better serve its customers and prevent similar situations from occurring in the future. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Bank of America credit card from XXXX8 was opened in my name. It went into collections to XXXX XXXX XXXX XXXX XXXX I was never given any mail or calls regarding this! One day about XXXX years ago I noticed my paycheck was much lower and found out my paycheck was garnished! And Ive been fighting ever since and have gotten know where!! Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX XXXX XXXX XXXX XXXX XXXX , CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX XXXX XXXX XXXX XXXX  XXXX XXXX , CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022.
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

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 an account without my written instructions
Product: Debt collection

I have no idea what this debt is for and was never notified that I owed it. I only found out about it recently when I checked my credit score and saw that it had decreased significantly. XXXX states that I owe $ XXXX to " Merchants Credit Association ''. I have never heard of them or any debt I supposedly owe to them. I have never been contacted.
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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have made numerous attempts to try to resolve this debt. I requested information baring my signature. I didnt receive any information.
Product: Mortgage

On XX/XX/XXXX my husband passed away. I reached out multiple times in the months after to XXXX trying to become XXXX and was told I needed to go through probate court for them to start that process with me. On XX/XX/XXXX, probate court granted me year 's support, which allowed me to pursue filing for XXXX of the property. By XX/XX/XXXX, after speaking with XXXX, I submitted all the documents needed to become XXXX of the property and XXXX confirmed they had received the documents on XX/XX/XXXX. On XX/XX/XXXX, after not hearing from XXXX through any kind of communication vis phone, email, or mail, I called them to get an update on where we were with filing my XXXX. During that call on XX/XX/XXXX, XXXX informed me that they confirmed me as XXXX, and that they were no longer the loan holders and had sold it to XXXX XXXX. When XXXX did this it was my year 's support was still in the court system and not granted yet. XXXX did not notify me of the loan transfer until after my XXXX was processed on their end for an account they no longer owned. XXXX also did not pass along the appropriate documentation for my XXXX to the new lender XXXX XXXX  which complicated my XXXX filed, put my home into foreclosure, and violated my rights as the XXXX.
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 Account Number : XXXX Account Name : Bankruptcy U.S. Bankruptcy : 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.
Product: Payday loan, title loan, personal loan, or advance loan

I took out the loan of XXXXXXXX XXXX online at cashnet. At the time I knew the interest was high, but did not and was not told the interest of XXXX was a daily amount. In other words I can never get it paid off. Even though the company keeps trying to get me to claim money on the line of credit. Which I have Not done. I am on XXXX XXXX so this is deeply effecting my life.I need help. Please.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my third time disputing these accounts that does not belong to me and not sure what is the hold up on processing my dispute here are the accounts : XXXX XXXXXXXX XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX  # XXXX {$890.00} -XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX # XXXX {$970.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX # XXXX {$1000.00} I have request documentation from the following collections agencies and Please delete the above accounts they are not accurate and unverified XXXX FCRA violation.
Product: Debt collection

On XX/XX/XXXX a letter from AlliedInterstate phone XXXX sent a collection letter to my son 's p.o Box claiming I owe XXXX XXXX {$560.00} ... I have not flown XXXX XXXX in more than 20 years. There is no possible way i owe an Airline any money. Please get this scanners in jail! ... 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Former : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Collection/Charged Off XXXX XXXX XX/XX/XXXX {$610.00} XXXX XXXXXXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$550.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$9000.00} XXXX Payment XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XX/XX/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

On XX/XX/XXXX a dispute letter was sent on my behalf to XXXX XXXX XXXX, and the three major credit bureaus ( XXXX, Equifax, XXXX ) with the intention of opening an investigation hoping to be provided with some form of written agreement stating that this account in fact belongs to me. As this account opened in XXXX of 2019 with a credit limit of XXXX XXXX appears on my credit file as a charge-off. I have no knowledge of this account, and after the conclusion of the investigation no proof was provided to me proving otherwise although my account has been updated. It is my understanding that if proof can not be provided, the account should not and can not be reported according to the law on my credit file.