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

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account with Equifax Dear CFPB, I am filing this formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the following account : Account Details Account Name : XXXX  Account Number : XXXX Despite multiple requests for correction, including dispute letters sent on XX/XX/XXXX and XX/XX/XXXX, my requests have been ignored, and the erroneous information remains unchanged on my credit report. This lack of action violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Summary of Errors and Discrepancies : Late payments are incorrectly reported for the following periods : Equifax : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
The discrepancies include inconsistent dates of activity, reporting, and late payment histories. 
The account has been verified multiple times, yet the inaccuracies persist without correction.

FCRA Violations : Under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files. In my case, this responsibility has not been upheld.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the corrections made.

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. Please address this matter with the urgency it requires and ensure compliance with federal laws to protect consumer rights. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX 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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXXXX/XX/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

MAIN PROBLEM WITH EQUIFAX IS REPORTING ACCOUNT ON DISPUTE WHEN IT HAS BEEN PAID AND SHOWS BALANCE DUE AND PAST DUE AMOUNT WHEN THAT 'S INCORRECT SINCE THEY HAVE BEEN PAID. On XXXX XXXX, 2016, I had contacted Equifax at XXXX and spoke with " XXXX '' at Customer Service, regarding disputes that appeared in my credit report. I requested to remove all comments due to my application for a mortgage loan. She informed me that this would take XXXX48 hours to be removed. This phone call was recorded by Equifax, as I was informed by XXXX. On XXXX XXXX, 2016, XXXX ( the Company used by my mortgage processing company ), informed me THAT THE COMMENTS/DISPUTES THE DISPUTES ARE STILL SHOWING ON MY CREDIT REPORT. That same XXXX XXXX, 2016, at XXXX XXXX, I contacted Equifax -again -- regarding this matter, and was told by the Customer Service Representative, XXXX ( told me was her name ) that are were nNO DISPUTES.COMMENTS SHOWING. However, this is not true ( included is a copy of the report ). As established by the Fair Credit Reporting Act ( FCRA ), my rights have been violated by Equifax in their reporting practice. This irresponsible manner to conduct the business of such a powerful Organization ( let 's remember that what the Credit Bureaus report dictate whether or not a person gets approved for a mortgage loan ), can cost me the opportunity of buying a house ; a house that I have been looking for months and that now due to this matter I might loose. Therefore, I respectfully want to submit a complaint regarding Equifax irresponsible credit reporting and violation of the FCRA. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the following information in my credit report. This item is inaccurate and I am requesting that it be removed from my report. 
XXXXDEPT OF ED Account Number : XXXX Account Type : Installment account Bureau Code : Individual account Account Status : Closed Date Opened : XX/XX/XXXX Balance : {$0.00} High Credit : {$1700.00} Date Last Active : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Reasons for Dispute : Accuracy of Reporting : The information provided by XXXXDEPT OF ED appears to be inconsistent across the three credit bureaus. Specifically, the last reported date and the date of last activity differ significantly between the reports from XXXX, XXXX, and Equifax. Such discrepancies can affect the accuracy of my credit report. 
Status and Comments : The status of this account is listed as " Closed '' and " Paid or paying as agreed '' across the bureaus. However, XXXX reports it as " Paid, was past due 90 days. '' This inconsistency is concerning and may not accurately reflect my payment history. 

Impact on Credit Score : The incorrect reporting of the status and discrepancies in the dates can adversely impact my credit score. Given that this account has been paid and closed, it should not negatively influence my credit profile. 
Enclosed are copies of the relevant credit report sections highlighting the disputed items. Please conduct a thorough investigation and remove or correct this inaccurate information from my credit report. 
Thank you for your prompt attention to this matter. I look forward to your response within 30 days. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Hello, filed a previous complaint in which they denied abusive behavior. Anyway, QAR of New Jersey sent a pdf file containing original contract in XXXX and then a subsequent agreement from XX/XX/XXXX of me agreeing to pay {$25.00} a month with a check #. This agreement apparently resets the collection account but the {$25.00} payment was not subtracted. More importantly, QAR even responded that debt was reset to XX/XX/XXXX but are reporting debt as of XX/XX/XXXX scheduled to be removed XX/XX/XXXX. This is an attemp to re-age old debt. If the new statute starts in XX/XX/XXXX then it goes for 10 years in WV but only allowed on credit report for 7 years and it is currently listed as 2 months old. Ive asked company to reflect their inaccurate reporting and thus far they havent. If you could intervene I would appreciate it. I am just asking for it to be reported accurately.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXXXXXX XXXX  XXXX. - Account NumberXXXX Please Update all payments, all pay was made on time. 

XXXX XXXX - Account Number:XXXX Please Update all payments, all pay was made on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is the business and the date is XXXX XXXX, 2017! I wasnt even in Kansas and if i was i lived in XXXX XXXX, Ks! The amount is XXXX dollars and its fraud! The company is XXXX XXXX
Product: Mortgage

My husband and I bought our first home in XXXX 2014, we refinance in XXXX 2014 with a company named United Security Financial Corp. they gabe us a monthly payment to which they supposed to have all the correct information of the principal, interest, taxes and insurance. After more than a year with them we received a letter from them saying that we owe them more than XXXX dlls because the taxes were more than we paid in the scrow ammount. Now they have transfer our loan to another mortgage, but they increased our monthly payment more than XXXX dlls in order to pay the difference of what they pay for oir taxes and insurance. We have a budget for all our expensives and now with this mo thly payment they want us to pay it is just so bad for our finances right now. They should 've done the right tax search since the beginning so we will be alert of the increase. When i call them they told me that it is our problem and we are responsible for paying for it even though they made the mistake for not having the correct ammount for our taxes. I do n't know what to do now with this increase of my monthly payment.
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, 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.

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: Credit card or prepaid card

I have filed a previous claim against Amazon/Chase Bank. It was XXXX. It was for XXXX credit card applications in my name that showed as credit inquiries on my credit report. I did not submit any of these applications. I have since submitted a police report and placed 7 year freezes on my credit with all agencies. There were 11th and 12th applications that sneaked in before the freeze took hold. All XXXX inquiries have been removed from credit reports. However, I continue to receive credit application letters from Amazon/Chase. I have now received XXXX applications. The last 7 letters all state they can not process the application due to the credit freeze. Although I no longer have to worry about my credit, this is still a form of harassment. Amazon/Chase refuse to do anything to create an opt out list to prevent further applications. There is a very long blog on Amazon 's website complaining about this exact same problem. I think it is past time for the government to step in. I 'm uploading one of the letters. They are all the same or very similar. The reference numbers of the letters since the last complaint are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries thats currently listed on my XXXX XXXX, Experian, and XXXX credit report are fraudulent, unauthorized, and not my credit inquiries : XXXX XXXX, XX/XX/XXXX, XXXX XXXX Bank, XXXX. XXXX, XX/XX/XXXX, XXXX XXXX Bank, XXXX. XXXX, XX/XX/XXXX, and XXXX XXXX Bank, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  {$140.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX  {$1500.00} XXXX XXXX  XXXX XXXX  : {$8700.00} XXXX XXXX XXXX XXXX  {$1500.00} XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Company stated that on XX/XX/year> the Hard inquire would be deleted, It has not
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I disputed an item that needed to be deleted. I list the opening date of the account, and account number. I listed the reason why this account should not be on my credit report. I attached supporting documents to support my claim. 

1. Bankruptcy XXXX  XXXX According to the provisions of the fair credit reporting act, this disputed item must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.
Product: Debt collection

Zenco Collections, LLC on behalf of XXXX XXXX XXXX is attempting to collect on a debt dated XXXX of which I have no knowledge of. In addition, they have pulled an asset report and are threatening to place liens and levies on my assets and garnish my wages through legal action. A message was left on my phone in which legal action was threatened without any verification of identification. A search of their phone number, reveals that it is a scam phone number.
Product: Credit card

There are so many issues with the US Bank Skypass credit card. 

XXXX. This is a XXXX XXXX XXXX XXXX but I can't even purchase korean air ticket due to a weird us bank 's policy regarding fraud detection. 

2. I am trying to use this card for my apartment rent, but it was declined due to a fraud issue. so I called US Bank and told them I was using my card to pay rent for my apartment. US Bank cleared the flag but still can't pay. 

3. I am trying to purchase a grocery shop at XXXX, but my card keeps declining. 
I just called the bank right now ( while I am writing this ) and they said cleared. But still not fixed yet. 

no where to use this card.
Product: Credit reporting

Equifax Credit is reporting an account for XXXX with a balance of {$5100.00} and account number XXXX. This information does not belong to me. I have contacted XXXX and they have no recollection of this. Please remove from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last week when applying for a home loan, I was asked about a closed XXXX XXXX account with a balance of {$980.00}. My XXXX XXXX account has a balance of about {$400.00}, so I was confused and called synchrony bank to have the problem resolved. Synchrony bank used my social security number ( SSN ) to try to identify the account and said they could not find it. I then had them look under my husbands SSN, and they said they could see the account, and that he had paid off/closed it. They would not send me any information on the account because they said my SSN was not associated with it, and that I wasnt even an authorized user. So I asked if they could notify the credit bureaus to have it removed. After ending the call, I also filed a dispute on the account with TransUnion and XXXX. A few days later, my husband received a letter from XXXX XXXX saying they had updated the account and alerted the credit bureaus on his behalf. 
Today, I received notification from TransUnion that they had finished the investigation on my dispute, and that XXXX bank had found the information on my credit report to be accurate. So I called XXXX XXXX to figure out what happened, and this time they were able to find an account with my social for the exact same amount. When I tried asking how no one could find the account last week and asked for someone to pull up the recorded call, I was hung up on. This account was apparently closed in XXXX, and XXXX has continued to report it as 90+ days late for the past 4 years.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, and Equifax have some type of block on my reports that is preventing me from accessing my report which is illegal. Remove any security freeze you have. Remove any block that you have placed on my file illegally. Update my personal information my name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. There should be no phone numbers listed on my report. Any number listed does not belong to me. Delete it immediately.
Product: Credit reporting or other personal consumer reports

I received an alert from XXXX XXXX about a hard inquiry. I immediately contacted XXXX to make them aware of this.
Product: Mortgage

We wired a payment to Principal on our Mortgage for XXXX XXXX in the amount of {$7300.00} to XXXX XXXX on XX/XX/XXXX. XXXX XXXX did not apply {$7300.00} to Principal. Instead, VU divided that payment into 15 single principle and interest payments between XX/XX/XXXX and XX/XX/XXXX labeled as Monthly Payment, Unapplied Funds, or Additional Principal. Around XX/XX/XXXX, we found out the XX/XX/XXXX payment to Principal of {$7300.00} had not been applied to the Principal Balance because we had to do a call regarding a Refi on our Mortgage. As of today, XX/XX/XXXX, this major issue still has not been corrected. 
We have contacted XXXX XXXX numerous times. Our mortgage rep., XXXX XXXX, who has been excellent, opened several cases all of which have been escalated but to no avail. Whats worse, in the meantime, our Principal Balance on our Mortgage is far more than it should be, and we continue to pay higher interest payments, as a result of this grave error. This has been going on for 5 months, its unbelievable. One is left with the impression, that if our last name would have been XXXX, this problem would have never occurred. 
It does not take a month to resolve this issue. The payment mistakes are easy to see in our payment history and need to be reversed immediately into the Principal payment and apply as of XX/XX/XXXX. I will also include a screenshot of the incredible mess they caused. The interest charged on a higher principal needs to be credited to us immediately. And at the very least, a written public apology from the CEO must be issued. We are left with no other conclusion but that XXXX XXXX is oblivious to the impact its grave error has had on an XXXX XXXX XXXX family that has to move every 2 years or worse it is fine with our plight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was notified by email that an application was pending for an account in my name at Bank of America. The next day I also received another email stating my account was approved and open. I contacted customer service at Bank of America and reported this account as fraudulent, I was reassured it would be addressed/closed and it has not happened. I personally placed a " fraud alert '' on my credit report. I had never applied or opened the account, or given them any information, such as my email address, social security number, etc to be able to open an account in my name. I have received the debit card and welcome letter pertaining to said account. I have not received any recent communication from Bank of America regarding the status of my complaint or explanation of this " new account '' Thank you. I can provide copies of the " welcome letter '' and of the actual debit card that I received in the mail if requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - COLLECTIONS ACCOUNT - SETTLED - XXXX STATES IT SHOULD BE REMOVED - IT'S SHOWING AS ACTIVE. 

XXXX- SETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED. 

XXXX XXXX XXXX - PAID/SETTLED -SHOULD BE REMOVED PER XXXX - XXXX XXXX SETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED. 

XXXX XXXX XXXX XXXX SETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED. 

XXXX=SETTLED W/ COLLECTION COMPANY - SHOULD BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all incorrect information on my credit report with Equifax. checking my file ive noticed alot of invalid data that is hindering me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX ran my credit/processed an application for an auto lease that I didn't approve or authorize. I visited a car dealer in XX/XX/2018 to shop for auto leases. I did not allow for a lease application to be put through, as I did not select a vehicle or finalize any part of a lease transaction. XXXX XXXX XXXX ran an unauthorized application for an auto lease without my permission. The report should not have even been run, as my credit is frozen. I want all records of this credit application removed from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

NCC Business # XXXX is reporting a balance that I do not owe. I have already paid this off. I should not have a balance on this account nor should it be reporting to my credit. I have paid this and it should not be reporting.