23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX XXXX I contacted Experian regarding their reporting of the XXXX XXXX XXXX account. Pursuant to 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

Experian is not respecting my right to privacy. Experian continues to report information that is excluded from my consumer report. On XX/XX/2023 Experian alleges the investigation is complete and my report was updated however I do not see any update to the report. I hereby request Experian to provide me a description of the procedure used to determine the accuracy and completeness of the information being reported by the furnisher. This description shall include and not be limited to the business name and address of any furnisher of the information contacted in connection with such information and the person whom they talked to along with the contact phone number of the individual. 
I have attached supporting documentation that shows XXXX XXXX XXXX states they are required by law to report my experiences and transactions with them however my contract shows NOTHING about reporting late payments to the credit reporting agencies. I have pointed that matter of fact out to Experian yet they are still " verifing '' the information as accurate. 
I never consented nor gave permission and was never afforded an opportunity to opt out to XXXX XXXX Services sharing my information with the credit reporting agencies. 
With evidence attached how can Experian lawfully continue to violate my consumer rights?
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I submitted documents that showed grave inaccuracies in information being reporting on my credit file by XXXX, Experian and XXXX. The only one of the above entities that I received a response was XXXX and it did address XXXX of the unfair and unbeneficial items reported ; however there are many more items that I requested to be deleted due to major inaccuracies and surely this is not fair and equitable to me. This is a major infraction and violation as of the FCRA and I have given the above entities sufficient time to comply and it has not been done. I request that all of the inaccurate information BE DELETED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 to be removed/updated.

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.

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!
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 to be removed/updated. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Iam distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information is completely accurate and correct. The following information therefore needs to be re-investigated.

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

I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it. ) That you have on file for the accounts listed below. 

XXXX XXXX XXXXXX/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 XXXXXXXX Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand that the following accounts be verified or removed immediately. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v, Gravens ( MO ) 281sw715,719, I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists XXXX 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 XXXXXXXX Delete these items immediately. 

Best Regards, XXXX XXXX
Product: Debt collection

A collection agency is trying to collect money from me on a credit card that I've never had or used. The opened date my XXXX XXXX  say is XXXX XXXX. The name of the company trying to collect is XXXX XXXX and the original creditor is XXXX XXXX XXXX. I have disputed it and called the collector to let them know it's fraud. So far nothing is happening. Thank you.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information The following accounts : XXXX XXXX XXXX installment loan The Following XXXX Inquiries - XXXX XXXX XXXX XXXX The following Equifax Inquiries XXXX XXXX XX/XX/2024 the Following XXXX inquiries XXXX CREDIT XXXX XXXX XXXX Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

A copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX ENCLOSURES : - Identity Theft Report - Proof of identity : - Copy of Credit Report - Fair Credit Reporting Act Section 605B
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 TransUnion 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 TransUnion 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 payment was made on time. My records show that the payment was submitted in XXXX and XXXX, XXXX, well before the due date. I have attached bank statements and payment confirmation receipts as evidence of this timely payment. 
Additionally, I did not receive any prior notice or warning of a delinquency, further suggesting that there was an error in processing or crediting my payment. 
This inaccurate late payment entry has resulted in unjust negative consequences on my credit score, affecting my ability to secure favorable credit terms. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion 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: Debt collection

I submitted a previous dispute ( XXXX ) about a debt that appeared on my credit report at XXXX XXXX and the other credit reporting agencies. The debt collector is Pyod, LLC in the amount of {$650.00}. XXXX XXXX stated in their response that I would receive information via US mail about this debt and their actions but I have not received anything from them. I have no idea where this came from and it may be related to another debt collection that arose apparently through identity theft. Idispute this debt and ask that it be removed from my credit report. I have received zero information from the debt collector Pyod LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

XXXX  & TRANSUNION FAILED TO RESPOND IN ALLOTTED 30 DAY TIME FRAME after I disputed the accounts attached to the enclosed past letter as PROOF!
Product: Student loan

I am currently on a long term modification with AES that is the servicer of the loan that was taken out by XXXX/NCT. I am currently paying all my payments on time and in full and CAN MAKE THESE PAYMENTS. I called AES today because the payments are increasing. I told them these payments are to high and I can not make them and they told me they can not do anything to help me. I do n't know why they will not help there clients! I am willing to work with them and I advised them they will be going to default becasue I can not make more payments. They advised me I can not contact XXXX becasue AES has been contracted now and they do not service them. I need help with repayment and there has to be another way to lower these payments or keep them the way they are. My credit score from these loans is already affecting me and can not consolidate or do anything. This is really un-fair that they are doing these to me when I want to pay!
Product: Credit reporting or other personal consumer reports

I noticed hard inquiries on my credit report that are not mine
Product: Credit reporting or other personal consumer reports

I Received A Email From Experian Stating That This Fraudulent Account Remains i o i i request comprehensive insights into the investigation process concerning the account registered under the name and number XXXX XXXX ACCOUNT  NUMBER XXXX. 

Could you kindly furnish a thorough overview of the investigative steps undertaken, along with detailed findings and the rationale behind maintaining the current status of the account? 

I would greatly appreciate a comprehensive breakdown, encompassing any correspondence, verification procedures employed, and pertinent factors that influenced the outcome. 

Your prompt attention to this inquiry would be invaluable. Should there be any necessary documentation or further information required from my end, please do not hesitate to inform me.
Product: Debt collection

Truist sent this account to a debt collection agency. I made payments according to the agreement then I filed a complaint against the debt collection agency in which was a scam company. Truist then continued to report unpaid payments to the credit bureau which negatively affected my credit report.
Product: Credit reporting or other personal consumer reports

There are accounts on my credit report that should not be there, and I have no connection to them whatsoever. This is not only unfair but also extremely frustrating and concerning. Under the Fair Credit Reporting Act ( FCRA ) XXXX U.S.C. XXXX, I have the right to an accurate credit report, and these errors should not be affecting me. I expect a full investigation and for these mistakes to be corrected immediately. If this isn't handled properly, Ill have no choice but to take legal action to protect my rights.
Product: Checking or savings account

My account has been locked since Monday XX/XX/XXXX and I have called multiple times and havent spoken to anyone to get the issue cleared because I have been on hold for hours at a time. And when I have spoken to someone I always get let me transfer you and sorry I cant do anything on my end. I have no access to my money and no access to my account. Im completely locked out. And USAA has done nothing to fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
XXXX Addresses : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Experian Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries : XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Addresses : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Employers : XXXX XXXX XXXX XXXX XXXX  Inquiries : XXXX XX/XX/XXXX Collecons : XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted several complaints : XXXX with XXXX ; XXXX with TransUnion and XXXX with XXXX. It has been over the 30 days allotted time that the FCRA gives to complete an investigation. 

All 3 of the mentioned consumer reporting agencies have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ). And have violated my privacy based on 15 U.S. Code 6801.
Product: Credit reporting or other personal consumer reports

I am a victim of identity fraud and my personal information has been exposed in a EQUIFAX data breach. There are fraud accounts that are reporting on my credit report as hard inquiries. I have not applied for any credit or credtlines and these accounts are not mine. These are the fraud accounts reporting on my credit report listed belowXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THERE ARE ALSO ACCOUNTS OVER 12 MONTHS OLD LISTED BELOW THAT I WOULD LIKE REMOVED UNDER FCRA SECTION 605 ( C ) STATES THAT ANY ACCOUNTS OR INQUIRIES OVER 12 MONTHS OLD SHOULD NOT REPORT AND BE AUTOMATICALLY REMOVED. I WOULD ALSO LIKE ALL ACCOUNTS REMOVED WITHIN 4 DAYS UNDER FCRA SECTION 605 ( B ). 

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 I HAVE ATTACHED IDENTITY VERIFICATION DOCUMENTS TO VERIFY IDENTITY AND TO INSURE NO DELAYS IN INVESTIGATION OF REMOVAL PROCESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to delete these erroneous items. I think you have not validated these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT, and I'm including these again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card

After reviewing my credit score on XXXX, I noticed that there was a debt to chase for a credit card amount for XXXX. After opening the credit journey service in my chase account, I was able to see that a credit card for the company was opened on XX/XX/2006, which was when I was XXXX XXXX XXXX. I also gathered that the creditor info was for a chase bank located in XXXX, delaware which I have no connection to and have never been to. I have already disputed the claim with experian as this credit card was opened without my consent or knowledge.
Product: Vehicle loan or lease

Wells Fargo repossessed my car in XXXX  when I was only 30 days late for fees and current payment. No warning and no help when I called in they said I would have to pay the full loan in full to get the car back.. I called month later to pay in full and they told me too late even thou the car was not sold for 2 more months.. I have been receiving these checks from them the last year apologize for fees accrued ( never cashed any ) and the letter said they were removing the repossession of my credit as paid in full.. I never knew about a lawsuit for this and was not offered compensation from Wells Fargo besides 3 or 4 checks each being between XXXX to XXXX..
Product: Credit reporting or other personal consumer reports

I want TransUnion, XXXX and XXXX to answer my letter. I've been sending them letters since XXXX and I haven't received any response from them. I was also wondering why these inaccurate accounts that have long been disputed are still being reported on my files? I urge you to have my credit report corrected immediately and remove these accounts from my credit history. 

1. XXXX XXXX XXXX XXXX Account # : XXXX 2. XXXX XXXX ( Original Creditor : XXXX XXXX  ) - Account # : XXXX 3. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) - Account # : XXXX 4. XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) - Account # : XXXX 5. XXXX XXXX XXXXXXXX - Account # : XXXX 6. XXXX - Account # : XXXX 7. XXXX XXXX - Account # : XXXX
Product: Debt collection

I spoke to the company told them my wallet was stolen.and never opened an account with them .I keep telling them what happened. 
.MIDLAND FUNDING LLC ... Open account XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX