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

XX/XX/year> Subject : Dispute of Inaccurate Late Payment Reporting on Credit Report Dear CFPB I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Equifax for my account with XXXX. These late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts, including this account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, under the FCRA, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2 mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively, which provides for damages, including actual damages, attorneys fees, and possible punitive damages for failure to comply with the Acts requirements. 

Summary of the XXXX account errors Incorrect Late Payments : All bureaus report a 30-day late payment, despite on-time autopay setup.

Inconsistent Account Status : Account is marked " Paid '' but shows late payments, which is contradictory. 
Varying Reporting Dates : Each bureau lists a different " Last Reported '' date. 
Credit Limit Discrepancy : XXXX and XXXX report a {$250.00} limit, while Equifax inaccurately shows {$0.00}. 
These errors violate FCRA standards, and corrections are needed for accurate reporting. 
Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Monday morning XX/XX/XXXX, I changed my password to access my accounts online. There was a fraud alert placed on my account and they locked me out of it. I was told that it would take 24 hours to determine if there was fraud or not. I asked to speak to a supervisor as I'm running a business and need to access my accounts. A supervisor hung up on me after being extremely pissy. Called back and asked how they were going to determine if it was fraud or not if they didn't call me, text me or email me. They said they didn't know and had no way of getting in touch with the fraud department except by email. I was promised that a supervisor would work on it and that someone would call me. Tuesday morning, XX/XX/XXXX, I called again, no notes were on my account, the account was still locked and no one still knows what's going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX ( reporting on Experian ) has violated my rights. 

15 U.S.C. 1681 Section 602 a States that 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: Money transfer, virtual currency, or money service

Ria financial Continental  Exchange Solutions , Inc. dba Ria Financial XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX : XXXX ( XXXX ) XXXX I have been a customer of this company for more than 3 years. Suddenly and without explanation, my account was terminated. After spending hours on the phone trying to contact someone in customer service, the only response was that I am not allowed to use their service anymore and no other explanation. Looking online, I've seen many similar complaints about this company.
Product: Credit card or prepaid card

On XX/XX/XXXX, I placed an order for a {$100.00} e-gift card on my XXXX 's account. At that time, my account was flagged for fraud. I called XXXX XXXX Fraud Prevention department and they cleared my account and tried to replace the order for me. However, after several attempts they were unable to do so but the charge of {$100.00} still shows against my account. I have called everyday ( sometimes more than once ) to try to clear this up, but no one at XXXX XXXX is willing to help. I just keep getting transferred to different departments.
Product: Debt collection

Good afternoon, I am filing a complaint on Sequium Asset Solution and XXXX XXXX. 
The reason I am filing this compliant because both companies misrepresent inaccurate and time information. 

I had a service account with XXXX, I told them I needed to cancel my services and they said they would at no charge. One month later they sent me a bill stating the I owed them I tried disputing and ending paying it in full. It was paid directly to XXXX and not Sequium Asset. Know I have Sequium Asset Solutions on my credit profile for no reason. 

I was not given any warning or information in writing from Debt Collection Company or XXXX. This information was falsely placed on my XXXX profile.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report i noticed fraudulent address that do not belong to me. I am request that the following address be remove because they are not associated with me and i have never lived at any of these. 

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

I XXXX XXXX sent in a letter to XXXX, XXXX, and Transunion. Please see the attachment for my full complaint.
Product: Credit card

On XX/XX/XXXX, I paid the balance in full via the Bank Of America pay by phone system to Bank of America. To my shock and dismay I received a bill charging me a {$28.00} " late pay '' bill. When I called to question and resolve the error I was treated like a " debtor '' instead of a paying customer who had paid their balance in full. I spoke to numerous so called " account managers '', who repeatedly said they would like to assist me but the only way they could waive the erroneous fee was to pay it and then to call the day after XXXX XXXX day as it was the holiday weekend that this all took place, and then they would reverse the payment and restore the {$28.00} to my bank account on file. This went on for three days as I called and was told to call back, was provided false phone numbers that just rang and no one answered. Finally, I was transferred to a " collections manager '' who told me the same thing, pay the fee and call back after XX/XX/XXXX and the person I spoke to would see her notes and return the fee to my bank. I was skeptical but also exhausted over this ordeal that I did pay it with her over the phone and it went through my bank the following day. On XX/XX/XXXX I did call but the number she provided me was fake. I finally did call the main number was transferred to another manager who said she saw the notes but refused to return my funds. I contacted my bank and they advised this was a violation under UDAAP and due to the fact that I was given false and deceptive and abusive treatment by Bank of America and it's agents or representatives and they reversed the payment to Bank of America. Now Bank of America is trying to bill me for that " late fee '' multiple times over even though I paid my balance in full on time and I have proof of all payments made since their automated assistant sent me the proof in the mail
Product: Debt collection

I was a victim of Fraud and I need to know if Nation Recoveries INC has a copy of the contact that makes them a Entity that can enforce a claim against my person. I have check my records and I don't have a notarized copy of the actually contract between U.S. Department of  Education. I dispute this account as not being accurate! I will be contacting the Ombudsman Group with the proper information. Please CEASE AND DESIST. T
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information reporting in my credit reports from XXXX. I disputed the information with XXXX, Equifax, and XXXX on XX/XX/XXXX but, I never received a response back on the status. I sent another letter to the credit bureaus on XX/XX/XXXX but, no response again. I sent another dispute letter to all XXXX on XX/XX/XXXX and just checked my reports, not XXXX thing showing an active dispute. Are these credit bureaus just throwing my letters out? What the heck? They have to process the disputes! And they are just ignoring me. This XXXX account does not belong to me and I don't understand why it's on my report, which is why I disputed the information in the first place. I want to know what this account is and requested a copy of the original contract from the credit bureaus and XXXX to show them that it's not mine but, no responses. How are the credit bureaus allowed to function like this and just ignore people. XXXX! Please have the credit bureaus remove the XXXX account ( # XXXX ) from my credit reports along with XXXX XXXX XXXX ( account # XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a CFPB complaint regarding this issue previously in XXXX of XXXX, but I now have further evidence which supports my claims. 

There is an inaccurate Bankruptcy being listed on my credit reports which I have been disputing since XXXX of XXXX. XXXX  did remove the account but XXXX  and Experian still have it listed on my credit reports. 

I confirmed with the bankruptcy court that they do not report anything nor verify anything as accurate with the bureaus ( see confirmation attached ). Once I told Experian this, they claim they verified the bankruptcy as accurate through XXXX. XXXX currently has a security freeze placed on my consumer report so they are not sharing information with the bureaus, so I determined this to be a lie from Experian. Regardless, I alerted XXXX that they had the bankruptcy placed on my account in error. They initiated an investigation and alerted me it was being removed because it could NOT be verified as accurate ( See their letter attached ). 

I provided this new evidence to both XXXX  and Experian on XX/XX/XXXX and neither have removed the account still. They are violating the FCRA by allowing this incorrect account to persist on my report and this needs to be addressed as soon as possible.
Product: Debt collection

I am writing to formally dispute the debt related to account number or reference number in letter and request a waiver of the outstanding balance. The vehicle associated with this debt, a XXXX  XXXX XXXX, was stolen on XXXX XXXX during this time and, therefore, I should not be held liable for any charges incurred after the theft. 

I promptly reported the theft to law enforcement and have attached a copy of the police report for your reference. 

Given that this situation was beyond my control, I respectfully request that the debt be waived. Please confirm in writing that my request has been processed and that no further action will be taken regarding this matter. 

I appreciate your prompt attention to this issue. Should you require any further information, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email ]. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 64 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Product: Credit card

this is a follow up to previous complaint i raised ( XXXX ) back in XX/XX/2024. Back in XX/XX/2024, i used my citi custom cash card that i used to purchase skin care items from XXXX, but until today XX/XX/2024, not only i still have not received the items from the merchants, but my citi dispute still says " We're Making Progress on Your Case. '' Be real, what progress have you made after 9 months? Its been 6 months after the dispute reopened which was on XX/XX/2024, what progress have you made? what " investigation '' have been done? Your own policy in the website says it will be resolved within 90 days, if the merchant doesnt response, then you will close the dispute, yet the dispute is still " in progress. '' Clean proof of a company that doesnt follow their own policy, CFPB has a clear ground to levy a fine to Citi , it should teach company to follow their own policy and not rewards merchants that doesnt give the items after payment!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already settled the debt and the collection agency agreed to take it off my records, to which it was written in the letter stating that the debt has been settled. There is still a derogatory mark in my Transunion account. Transunion will not take it off from my account and this is affecting all areas of my life in negative ways, especially during these times with the outbreak where I need to loan some money to survive. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been information published on a consumer report that I never gave either company ( XXXX XXXX, OR NAVIENT ) written consent or authorization to procure or produce with my information, according to 15 USC 1681b ( 2 ). Due to the nature of this consumer report, it has defamed my character to lenders, held me back from getting my home and a host of other things. There are accounts that have been disputed several times because of this violation and the said 3 companies above sends me results stating the derogatory alleged debts are validated. According to 15 USC 1692G debt collectors are required by law to meet the five requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I do not validate the alleged debts in question on my consumer credit report. Another violation that has come to my attention is specifically with NAVIENT. They violated 15 USC 1681B ( ii-iii ), stating if any information that has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into a credit file that I did not give permission to produce. Please delete the accounts below due to several violations of the law. The companies in question for the alleged debt are as follows : NAVIENT ( ACCOUNT : XXXX ) and NAVIENT ( ACCOUNT:XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information reported to Credit companies by my mortgage company. I have never been responsible for a late payment of my mortgage. The new mortgaging company reported me late although my bank sent them two letters saying it had not been my fault. i understand they reported me late for a  XX/XX/2018 payment, when in fact i made it on XX/XX/2018.
Product: Debt collection

It has come to my attention, that XXXX XXXX XXXX has transfer an account to Credit Control LLC. Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. Credit Control LLC is refusing to discuss my concern about their acct # XXXX, balance {$170.00}. Without me first verifying the information they have on file. How can I verify information that doesn't belong to me?
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$230.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE FOLLOWING INQUIRIES AND ACCOUNTS : XXXX XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX TO MY REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. I understand that knowingly making any false statements to the government may violate federal, state, or local XXXX  statutes, and may result in a fine, imprisonment, or both. Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police. Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found a billing issue when I reviewed my credit report. Under U.S. 15. Code 1666 ( b ), billing errors include the creditor 's inability to accurately reflect a statement, a payment made by the debtor, or a credit line given to the debtor, as well as any computation errors or other accounting errors on a statement. As far as I'm aware, the creditor did not send me a statement 21 days prior, thus there shouldn't be any late payment on this account. This is definitely billing issues and I demand to see precise proof from the creditor 's bank account that I failed to pay and was deemed past due. The contested accounts is listed below. 
XXXX XXXX XXXX Balance Owed : {$4800.00}
Product: Mortgage

NewDay USA Issues timeline : 1. Promised to close in about 2 weeks XXXX XXXXBasic numerals to close provided. 
2. Up to XX/XX/XXXX many attempts to contact email, voicemails etc ( little response ) 3. Around XX/XX/XXXX after numerous attempts to make contact the Assistant Vice President Loan Origination tells me that the previous employee was fired. 
4. Now requests to unfreeze my credit so he can pull a 2nd credit report?

5. Said he was going to handle the issue personally, about a week or two later then requested again my credit be unfrozen ( 3rd time ).

6. At this point I also requested my loan numbers as I had little faith in what was going on and they were going to buy done points ( etc ) I just just wanted the current/simple numbers as my trust in them was going down with every interaction.

7. No response for over a week and on XXXX almost 2 moths later the numbers were approximately 10/12k higher than first quoted.

8. On XXXX ( Friday ) left a message that I should be his first call on Monday to explain the delta between the two quotes. Assistant Vice President Loan Origination 9. OnXX/XX/XXXX he finally got back with me well over a work week. ( Insanely ) I explained to him that I no longer needed his services and already started a new loan with another company. This company was .25 % lower rate and 10k more cost effective ( basically what I was promised ) by them at the beginning. I already have a closing date and completed my appraisal and everything else ( in a week Ill add ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Report Number XXXX was generated by XXXX about AMSHER COLLECTION SERVICES. They deleted the account due to Fraud and inaccurate information. The company AMSHER COLLECTION SERVICES then fraudulently changed the account number on the item, and Re-reported it as NEW debt. This is illegal. I contacted XXXX and they said the information is accurate. I submitted proof and FEDERAL TRADE COMMISSION reference numbers to prove fraud was reported about my personal info. STILL they allowed this company To say i have a debt I never had. This is illegal, and the partnership XXXX has with its vendors is QUID PRO QUO, because they are being PAID by their clients they post this credit information for. So they arent inclined to make a fair, thorough, or impartial decision when it comes to someones credit juxtaposed against what a creditor says. Please stop XXXX and AMSHER COLLECTION  SERVICES from committing such fraudulent acts. Your consideration in this matter is greatly appreciated.