23daVinci/CFPB_Complaints huggingface dataset:
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 Equifax 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 : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXXXXXX. 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 : On-Time Payment : I made my payment on time, as evidenced by the attached bank statements showing the payment was processed well before the due date. 
Clerical Error : I believe there was a reporting error, as I have never missed a payment for this account. A review of my payment history will confirm this. 
Payment Confirmation Provided : I have attached additional documentation showing that the payment was made in full and on time, as confirmed by the creditors own records. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax 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

this is a dispute first credit services sent me a email about a debt with the original creditor i guess a anytime fitness in amount over a XXXX dollars but didn't send anything to verify the debt is mine as im pretty sure i dont have a gym membership as im a XXXX percent XXXX veteran and people aren't my thing and also i demand to see proof on why you people believe this debt is mine as in my signature and also video of me in gym and also times and dates on the key card i would have had to use to get in and use gym if you can't do that please stop all collections thanks
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 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

The number of calls per day is extremely abusive, up to a total of 20 calls in a single day
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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
Product: Checking or savings account

On XXXX/XXXX/20, I received a fraud alert from Citibank. I immediately called them and found out that my daughters custodial account was hacked and her debit card number was stolen. I asked the customer service representative to close her debit card and re-issue a new card. I made sure to ask the representative if only her debit card would be closed and she assured me my personal debit card would not be affected. Turns out she blocked the wrong card and left me without access to my funds for over a week. I tried using the card and kept getting declined. I tried buying food for my children and I was unable to do so. When I called Citibank on XXXX XXXX, 2020, I informed them my card was not working but the representative said everything was fine with my card. On XXXX XXXX 2020 I ordered food from the grocery store and when it came to pay online I was unable to do so using my debit card. Turns out that my initial call to Citibank on XX/XX/XXXX closed my personal debit card and not the debit card associated with the hacked account. To make things worse, after my phone call on XXXX XXXX, 2020, I get an email saying that my new debit card is activated. Mind you the new debit card has not been delivered to my house but the representative took it upon himself to activate the card. When I called Citibank on XXXX/XXXX/2020, I spoke to two different women. The first woman finally deactivated the correct card that was initially hacked into. But then she passed me on to another woman who told me she would get a new card to me by Monday. When I told her that its Thursday and I have no money to feed my children, I requested that a new card be expedited with XXXX but she needed to get a supervisors permission. While waiting for her, the call got disconnected and she never called me back. When this happen, I was on the phone with Citibank for an hour so I went online and spoke to another representative through their chat feature. He informed me that the previous representative did put in an order for a new card to be expedited and arrive by Saturday, XX/XX/XXXX. Currently its XX/XX/XXXX and Im praying that the new card gets here by XX/XX/XXXX. I am writing to you because Citibank and their employees have made so many mistakes with my accounts that it left me without the use of my debit card and my funds. There is no excuse for such a huge bank to make sloppy mistakes that leave families without the ability to buy food especially during the holidays. I dont know if the expedited card will get here by XX/XX/XXXX but I am hoping so because I do need to buy food for my family. I can not keep borrowing money in order to feed them. Shame on Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions _______________ XXXX XXXX XXXX  -- -- XXXX Past Due : {$420.00} Comments : Customer disputed account - reported by subscriber. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Consumer disputes this account information Collection account _______________ XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) Past Due : {$420.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements _______________ XXXX ( Original Creditor : XXXX XXXX XXXX  ) Past Due : {$430.00} XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Consumer disputes this account information Medical Subject has not satisfied debt. 
_______________ US DEPT ED ( 1 ) Past Due : {$18000.00} Last Reported : XX/XX/XXXX Comments : Collection Account XXXX  loan permanently assigned to government XXXX  loan permanently assign to government. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
XXXX  loan assigned to government Collection account _______________ US DEPT ED ( 2 ) Past Due : {$31000.00} XX/XX/XXXX Comments : Collection Account XXXX loan permanently assigned to government XXXX  loan permanently assign to government. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
XXXX loan assigned to government Collection account _______________ DEPTEDXXXX ( 1 ) Past Due : {$17000.00} XX/XX/XXXX XX/XX/XXXX Comments : Account closed due to transfer Account transferred or sold XXXX loan _______________ DEPTEDXXXX ( 2 ) Past Due : {$28000.00} Comments : Account closed due to transfer Account transferred or sold XXXX loan _______________ US DEPT ED ( 3 ) {$5500.00} XX/XX/XXXX Comments : Collection Account XXXX  loan permanently assigned to government XXXX loan permanently assign to government. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
XXXX  loan assigned to government Collection account _______________ US DEPT ED ( 4 ) Past Due : {$2500.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Collection Account XXXX loan permanently assigned to government XXXX loan permanently assign to government. 
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
XXXX loan assigned to government Collection account _______________
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently applying for a home mortgage and that requires a credit check. I already have 2 lines of credit in the form of credit cards. XXXX and XXXX both successfully recognized and verified my personal information and were able to furnish a credit report. Equifax was not able to verify my identity and did not issue a credit report. I was also unable to make an Equifax account on their website and it led to error code NH. I called Equifax on XX/XX/2023 and was told to fax a cover letter including my name, address, and problem along with a copy of my social security card and personal ID card ( drivers license ) to XXXX. I was told on the phone this would take 3-5 business days. I sent this fax on XX/XX/2023 and successfully received a fax confirmation page. I was unable to make an Equifax account on XX/XX/2023 leading to the same error code NH. I called Equifax 's support network again on that day and was told to wait another 5 days. I sent an additional fax of the same information on XX/XX/2023 after this conversation and successfully received a fax confirmation page. I waited until XX/XX/2023 and called Equifax back to ensure they received the faxes, but the Equifax agent informed me that they have no record of my account or having received any faxes. At this point, I have been denied a mortgage due to Equifax. I have sent 2 faxes and waited the appropriate amount of time and the Equifax agency has yet to acknowledge their receipt or issue a credit report.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT SunTrust Closed my bank account. I work XXXX and every-time I get paid I get I deposit straight to my account any time I make a sale. I had spoke to the fraud department and I explained to them that I sell Bit coin and when I sell I get funds deposit to my account, they understood and they told me that I did not have to worry about anything after I explained to them this. But this was no so because they have blocked me from my accounts and I can not access my funds. This has prevented me from not being able to pay my bills or by my self food to eat this is not fair. And they will not tell me why. I have closed the previous case thinking that the company was going to give me back my money and it was all a lie and they kept the money that doesn't belong to them. 


I WAS VICTIM OF FRAUD AND THIS BANK KEEP HOLDING MY MONEY FOR 3 YEARS. 

I WANT MY MONEY. 
SUNTRUST ACCOUNT NUMBER XXXX
Product: Vehicle loan or lease

I tried to settle with XXXX XXXX and the company shut down there was a few times I tried to contact the finance company and no response.
Product: Debt collection

I am writing to formally dispute the account information reported to my credit file by Sunrise Credit Services in the amount of {$720.00}, which is stated to have been opened on XX/XX/XXXX. This account was neither opened nor authorized by me, and its appearance on my credit report constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

To provide context, I have been closely monitoring my credit report following the widespread XXXX data breach. As a precaution, I locked all my credit reports in XX/XX/XXXX, ( XXXX, XXXX, and XXXX ) ensuring that no new accounts could be opened or reopened without my explicit approval. It is troubling to discover that this account was either fraudulently created or reopened without my consent. 

Under the FCRA, my rights as a consumer have been violated due to the unauthorized activation of my locked accounts. I did not grant permission for this activity, nor was I informed of any attempt to bypass the security measures I placed on my credit files. This incident reflects a failure to adhere to proper protocols and safeguards. 

I have reported this fraudulent activity to the appropriate authorities, including XXXX, and I request that Sunrise Credit Services promptly : Remove the inaccurate account information from my credit file. 

This situation has unfairly impacted my credit standing and subjected me to unnecessary stress and inconvenience. I expect this issue to be resolved promptly and in accordance with federal regulations. Failure to address this matter appropriately may result in further actions to protect my rights as a consumer. 

Please confirm receipt of this dispute and provide a timeline for your investigation and resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting

All these amounts owed has been or should have been paid 100 % cause I have a medical card that pays everything I would love to know how to get them off my credit report cause I have been trying for a while now to establish good credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Equifax, and XXXX several times via phone and certified mail in regards to five accounts that were placed in my name that I am not familiar with or did not authorize. I get the same results when attempting to come to a resolution with them. It is negatively reporting on my account and keeping me from being able to obtain credit and ruins my credit profile due to inaccuracies. The companies need to send proof of validation or it should be removed immediately. I have reached out to the FTC regarding the issue and I have reached back out to the credit bureaus and still no luck. The last rep I talked to was XXXX and he stated he had sent the information in for special handling and I still have not had any luck. The following accounts that are reporting are XXXX XXXX XXXX for {$370.00} the other for {$930.00}, XXXX XXXX XXXX for {$0.00} and XXXX XXXX for with no balance. There are also two other accounts for {$630.00} and {$840.00}. All of these accounts listed are listed as derogatory and should be removed.
Product: Debt collection

I keep receiving calls from a XXXX area code number a person identified himself as XXXX, I asked what it was about and he said I am calling from Quicken Loans. I told him that I have never applied for or done any business with Quicken loans, please do not call again. The call keep coming starting at XXXX, PST from phone number XXXX, when I tried to call back I get a recording saying, this number is not in service. Then today my sister-in-law called to.tell me that they are getting calls from same number and same person named XXXX. I do not give my brothers phone number to anyone. I also will say I have had many medical bills go to collection due to my XXXX and inability to pay them off within 120 days. I also have a very poor credit score as a result of my medical bills. It is very upsetting that a company continues to call after I told them to stop. I have via XXXX XXXX XXXX been able to add this number to a blocked caller list feature they offer. But the calls still come from XXXX exchange with different last XXXX numbers, even gone as far as to use a number of XXXX. I have at times answered calls that caller I 'd showed as " Out of area '' and they ask for me I say no one by that name lives here.
Product: Checking or savings account

We have been using U.S. Bank for the last two years but recently received a large deposit of {$300000.00} from one of our sales. When trying to purchase equipment and pay for operating expenses U.S. Bank put our account and funds on hold/closure with no information as to why, when we will receive our funds. We have called and contacted multiple times offering to come into branches, provide any necessary paperwork or go through any necessary verification steps in order to either reinstate our account or get our funds. This is a substantial amount for our business and we have reputation/ client contracts to abide to.
Product: Credit card or prepaid card

I had persistent problems with this card and them changing the charges and re-billing it. The Account was under a zero finance promotion until XXXX. On XXXX of XXXX I went online to check my XXXX XXXX account, ( Genisis Credit card company ). The account was blocked and showed a XXXX balance. I didn't receive anymore statements from them until XXXX of XXXX. They deliberately block my account to make it look like I missed a payment. after calling and asking why they we're refilling the finance charges and why they wanted me to pay a minus payment of XXXX I couldn't get an answer. The one person I spoke with along with My son being on the phone, was the same person that stopped my statements before. She threatened to report my account to the credit bureau because she didn't like what we we're saying to her. So I've been reported as being late on a payment that showed a XXXX balance in XXXX of XXXX Now they are requesting a XXXX minimum payment on a {$1900.00} interest fee ( which Im still under the interest free until XXXX ), with a {$41.00} late fee. This has cause several problems with my credit. My minimum payments were less than the {$190.00} a month I was paying. If I could pay more I would.
Product: Credit reporting or other personal consumer reports

First of all, I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. As you can see, I am keeping careful records in regards to this matter. It has been well over the 30 days allowed by federal law for you to respond. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could result in an investigation by the FTC. Perhaps this is just an oversight or result of high volume of the requests you receive daily. I highly doubt an agency that is responsible of maintain accurate information would neglect to follow the laws that govern them on purpose. So I will extend you the benefit of the doubt. Im sure youll want to tend to my request as soon as possible. To recap it all for you the following needs to be removed : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Date Filed : XXXX. Please delete these fraudulent items immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX once again and I am submitting this CFPB Complaint to request to the Credit reporting Agencies to remove the fraudulent accounts and information off of my Credit File in accordance with the Fair Credit Reporting Act section 605b. I recently received an updated copy of my credit report and was shocked to find that there are still several accounts that I did not open and have no knowledge of and yet being reported on my Credit File. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXXXXXX XXXX XXXX  XXXX, OH, XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXXXXXX XXXX XXXX XXXX Unpaid Balance {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. If the Credit Bureaus believe that the disputed accounts and information belong to me, I require the Credit Bureaus to send me any copy of proof of verification they may find during their investigation to prove that the disputed accounts belong to me. I strongly believe that the disputed accounts were results of the theft of my identity and must not be included on my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect bill from XXXX being reported on my credit report by XXXX XXXX and XXXX. After disputing this bill before and it being deleted for non confirmation it was reinstated on my credit report and experian have blocked my access to file dispute online requesting that i submit mail only dispute which usually takes over thirty days. I feel experian has violated by consumer rights.