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

XX/XX/XXXX Subject : Third Request to Correct Inaccurate Late Payment Reporting Dear CFPB, I am filing this formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXX account ( Account # XXXX ). Despite my repeated requests for correction through disputes filed on XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX, no changes have been made to address the inaccuracies. These unresolved issues are in violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Payment History Discrepancies The payment history for this account contains significant inaccuracies : XXXX reports a XXXX late payment for XX/XX/XXXX, which is incorrect. 
XXXX reports a XXXX late payment for XX/XX/XXXX, which is also inaccurate. 
TransUnion inaccurately reflects the account as having a XXXX late payment despite showing no late payments in the detailed two-year payment history. 
These discrepancies among the credit bureaus highlight a failure to maintain consistent and accurate reporting of my payment history. The XXXX late payments reported by XXXX and XXXX are false and unsupported by any records. 
FCRA Violations 15 U.S. Code 1681i : Mandates credit reporting agencies to ensure the accuracy of information in consumer files. XXXX has failed to investigate and correct the disputed information. 
15 U.S. Code 1681e ( b ) : Requires credit reporting agencies to adopt reasonable procedures to assure maximum possible accuracy of the information they report. 
TILA Violations 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The reporting of a late payment indicates non-compliance with this requirement. 
Impact of Inaccuracy This erroneous reporting has caused significant harm to my creditworthiness and financial standing, creating barriers to obtaining credit at favorable terms. 
Previous Dispute History My first dispute regarding this issue was submitted on XXXX XX/XX/XXXX, and my second dispute on XXXX XX/XX/XXXX. Despite providing the necessary documentation to support my claims, no changes have been made to correct this error. 
Desired XXXX XXXX removal of the inaccurate late payment notation from my credit report. 
Written confirmation of the correction. 
Attachments To assist with your investigation, I am including the following documents : A copy of my government-issued ID. 
A copy of my Social Security card. 
Copies of the dispute letters from XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. 
A highlighted copy of my credit report showing the inaccuracies. 
If this issue is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider seeking legal action to protect my federally granted consumer rights. 
I expect your response to this letter within 15 days as mandated by the FCRA. Please contact me if additional information or documentation is required to complete your investigation. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Name company : CREDIT CONTROL LLC Address. XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Acct number XXXX Law 15 usc 1692c9 ( c ) If aconsumernotifies adebtcollector in writing that theconsumerrefuses to pay adebtor that theconsumerwishes thedebtcollector to cease furthercommunicationwith theconsumer, thedebtcollector shall not communicate further with theconsumerwith respect to suchdebt, except ( 1 ) to advise theconsumerthat thedebtcollectors further efforts are being terminated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted them on XXXX XXXX, 2022 and XXXX, 2022 to provide to me the proper and original documents that I am legally responsible for the amount that they are trying to collect from me. I advised them to get back to me within 30 days and if they dont to remove the accounts off my credit report immediately. I did not give anyone written consent to pull my credit and they have failed to provide the proper documents to me within the 30 day guideline. I have disputed this same concern with XXXX, Equifax and XXXX and all 3 credit reporting agencies have failed to provide me with the proper documents. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Social Security # XXXX DOB : XXXX XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX  XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. 
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : https : XXXXXXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. 

CREDITOR CONTACT INFORMATION : PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. 

I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. 

Sincerely, XXXX XXXX
Product: Checking or savings account

When I first opened my account I opted out of over draft. Where no matter if I had XXXX $ to my name and its XXXX itd decline it. Weather it was a swiped card, auto draft, or recurring payment. Then XXXX day they started allowing it. ( A XXXX  months later ) saying I never opted into it. Knowing I did, because the person in the bank explained it all to me. Then they are allowed to charge me as many XXXX $ fees as they want.
Product: Credit reporting or other personal consumer reports

A scam person open a bank account with Wells Fargo, I let Wells Fargo know and told them that that person, took money from me, they didn't verify his identity, I told them that person was under investigation ( I submitted a police reports and gave them my case number ) I asked if they could froze his account, no response from them ... I continue asking Wells Fargo, later they said they will look into this matter and they will contact me to ask for more information ( They never did ) weeks later they sent me a letter telling that they tried to contact me about my case but " I DID NOT RESPONSE " so my case is close and they can not warranty money transfer from a non Wells Fargo account to a Wells Fargo account.... I asked them if Wells Fargo is working with this person to steal my money? That person start noticing that I know about the Scam so that person close his Wells Fargo account and left with my money.... 
Also I would like to complain about XXXX XXXX, that person transfer my money to his XXXX XXXX, I let XXXX knows about it, but they said that they can not do anything ( because I wasn'ta customer ).... it's my money.... I want Justice... I need Justice.
Product: Mortgage

In XX/XX/2018 I entered into a payment agreement with Huntington Mortgage Company regarding one ( 1 ) late payment for my mortgage. The terms of the agreement were misleading and did not disclose that accepting the terms of the agreement would result in negative credit reports. My XX/XX/2018 payment was divided into six ( 6 ) payments, with the understanding that if I fulfilled the terms of the agreement it would satisfy Huntington and not negatively impact my credit report. Instead, Huntington reported all seven payments as late payments even though all seven payments were made on time as stated in a payment arrangement agreement. I was never told, nor does the payment arrangement agreement state that my ONE past due payment would be reported as SEVEN past due payments.
Product: Debt collection

This letter is being sent to you in response to the above reference account that TRI-STATE ADJUSTMENTS has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that 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 that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might 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 companies that you represent. I will not hesitate in bringing legal action against TRI-STATE ADJUSTMENTS for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
Product: Payday loan, title loan, personal loan, or advance loan

I requested information from this company to understand the interest and make plans to pay the loan off in full early. However, I have not received information to allow me to pay the remaining balance or to determine what the balance will be as an early payoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft PNC BANK Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft PNC BANK, N.A.

Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Tried multiple times to dispute incorrect and older account information. Inquiries never authorized by me appear on my report and account paid off still show up on my report.
Product: Credit reporting or other personal consumer reports

I submitted a email to the CFO of XXXX XXXX XXXX as well az filing disputes with Experian on inaccurate payment history reported to the 3 major credit bureaus on two accounts I have with XXXX XXXX on the dates of XX/XX/2024, XX/XX/2024, and XX/XX/2024. On XX/XX/2024 I spoke with a rep at XXXX XXXX XXXX regarding both of my credit cards being inaccurately reported paid late for XX/XX/2024 as the month has just begun and the payments of {$33.00} and {$77.00} are not due until XX/XX/2024. the rep by the name of XXXX told me he has no control of changing what was reported to the credit bureau. i then filed disputes with Experian on XX/XX/2024. dispute providing proof of the payment due date being in the future the incorrect payment status remained and no dispute was closed. this has affected my credit score and caused it to drop XXXX points.
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. 
Experian Account name ; XXXX XXXX acct # XXXX Account name ; XXXX XXXX XXXX Account # XXXX Account name ; XXXX XXXX  Account # XXXX Account name ; XXXX XXXX Account # XXXX Account name ; XXXX XXXX XXXX Account XXXX XXXX XXXX Account name ; XXXX XXXX XXXX  Account # XXXX XXXX Account name XXXX XXXX account # XXXX Account name XXXX XXXX  Account # XXXX  they have violated my right the only phone number i have is XXXX XXXX the only address is XXXX XXXX XXXX tn XXXX 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: Student loan

On multiple occasions I have attempted to call, email through their portal and have made complaint through FSA regarding Mohela non response. My student loans are being reported as late and I have paid on time. Also I requested an IDR plan that I believe was purposely mismanaged as it was placed on my XXXX isnt loan to which I owe only XXXX and not my Mohela loan which is XXXX. However I actually applied on the Mohela site. So now that havent and Mohela merged the IDR was placed only on the smaller loan. I can not hold for hours at a time just to be transferred and placed only hold for another 2 hours to be hung up on.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ACCOUNT NUMBER - XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Payday loan, title loan, or personal loan

On XXXX, I requested approval for a loan for {$370.00} from big picture loans. I asked a lot of questions initially. I specifically asked if something came up if it would not report to the credit reporting agencies if I defaulted, and I was assured by the loan officer I spoke with that no matter what this type of loan would not report to any agency. I have made a couple of payments, and lost my house to a hurricane last month. I had to switch checking accounts due to unexpected expenses, and today, after missing one payment, bigpictureloans.com sent me a email stating they could proceed with damaging my credit, and saying that the bill is now at a new balance of {$720.00}. 
.I also have no problem paying back what I borrowed, even with some interest. I have no paperwork indicating they could double the loan over a 30 day period. 
The breakdown they sent me reads as follows. 
" principal {$340.00} Interest ; {$320.00} fees {$60.00} Total {$720.00}. 
This situation has me very upset, I want a fair bill, and I can not afford to have this affect my credit, I am trying to become a homeowner relatively soon. 
This exact statement was sent to me today via email.
Product: Vehicle loan or lease

The company is reporting that i was 30 days late three times. This account is on autodraft and I have never been late paying the bill on time because it automatically comes out. I have submitted a dispute to the company and to the credit bureaus with proof of on-time payment and have not gotten a response or my account info updated
Product: Student loan

I made an " extra '' payment on my private student loans on XXXX/XXXX/15. The payments due on XXXX/XXXX/15 had already been made on XXXX/XXXX/15 so no payment was due. Navient deducted late fees from my " extra '' payments even though these were not late payments.
Product: Checking or savings account

I have been affected by the actions of my ex husband who has withdrawn the money on joint bank account and my ex husband was abuse me control to not use a money in joint bank account. Since XXXX XXXX I have been in this financial abuse, I wasnt be able to make a payment. it was effect me on my credit score. Then i was applied unemployment on XX/XX/XXXX. I was started made a minimum payment or some bills i made a payoff. The big problem for me, The capital Walmart card, my ex husband allowed me to made Just minimum payment and it cause my Walmart credit card high interest and i paid for interest to walmart since XXXX between $ XXXX every month. 
He was withdrawn the money in joint bank and access to my sprint online account without my permission and authorization himself to my account without my concern + sprint charges me for the bills {$200.00} and sent a debt collection to me. 
Since he was transferred the money from joint bank account to his personal account, he was left me and never supported my expenses at all. I had use a credit card to paid my tuition to get a license to work and but food for survival. my credit scores was lower and lower. Now i was checked is XXXX. it hard to be to start new life and walking on feet again. I was applied to business account from the bank, i got denied it because of my credit score.

I just need help, i want to work and do thing for mylife.
Product: Debt collection

XXXX XXXX XXXX, XXXX sent me a letter claiming that I owed XXXX for a XX/XX/XXXX visit to XXXX  Hospital located at XXXX XXXX XXXX, XXXX XXXX, IA XXXX. The bill from XXXX XXXX XXXX , XXXX was dated XX/XX/XXXX and received XX/XX/XXXX. On XX/XX/XXXX I called XXXX XXXX XXXX at XXXX XXXX XXXX XXXX and spoke to a representative at Ext XXXX. In this call I asked for proof of the debt and was told it would be sent. 
According to the billing department at XXXX ( was billed through avadyne health ) amount due from XX/XX/XXXX statement of XXXX was paid in full on XX/XX/XXXX. Furthermore, XXXX  billing department claimed to " never have heard of '' XXXX XXXX XXXX. As of XX/XX/XXXX I have not received further verification of the debt owed in the mail.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Experian and XXXX. Please delete the following accounts. 
XXXX XXXX. {$0.00} XXXX XXXX XXXX XXXX. {$7100.00} XXXX  bal. {$6600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers 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 if no documentary evidence is found in accordance with FCRA, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

showing late which it shouldn't be showing late payments for the account number listed below. Experian haven't provided me the paperwork and information by law the credit Bureau suppose to check and send to me. This is reporting inaccurate on my credit report. Please no XXXX. 


XXXX XXXX XXXX XXXX  XXXX