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

XX/XX/XXXX Subject : Fourth Round Complaint Regarding Inaccurate Late Payment Reporting on XXXX XXXX XXXX Account Dear CFPB, I am filing a formal complaint against XXXX, Experian, and XXXX for their failure to correct inaccurate information regarding late payments reported on my credit report for the following account : Account Details : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX High Balance : {$1900.00} ( XXXX and Experian ), {$0.00} ( XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX ( XXXX XXXX Account Status : Closed ( XXXX and Experian ), Open ( XXXX XXXX Payment Status : Late 30 Days ( XXXX and Experian ), Current ( XXXX XXXX Credit Limit : {$1700.00} Despite multiple disputes initiated on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the inaccuracies persist. While XXXX has removed the late payments, the Payment Status on the credit report continues to indicate " 30 Days Late, '' which is incorrect and misleading. Furthermore, Experian and XXXX continue to report late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These dates are inconsistent and unsupported by my payment records. 
Evidence of Errors and Discrepancies : Payment Status Inconsistencies : XXXX correctly removed late payments but still marks the account as " 30 Days Late '' in the Payment Status field. 
Experian and XXXX continue to report erroneous late payments. 
Account Status Discrepancies : XXXX and Experian report the account as Closed, while XXXX lists it as Open. 
Credit Limit and High Balance : High balance differs across bureaus : {$1900.00} ( XXXX and Experian ) versus {$0.00} ( XXXX ). 
Creditor Remarks : XXXX remarks state : " Consumer disputes - reinvestigation in progress, '' yet no corrections have been made. 
Violations of Federal Laws : 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i : Credit bureaus must ensure the accuracy of information and reinvestigate disputes thoroughly.

15 U.S. Code 1681e ( b ) : Credit reporting agencies are required to maintain maximum possible accuracy in consumer reports.

2. Truth in Lending Act ( TILA ) : 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before payment due dates. Late payment reporting suggests non-compliance. 
3. Protection Against Non-Payment of Obligations Act ( PAANL ) : Reinforces the necessity of timely and accurate disclosures to prevent unfair penalties.

Desired Resolution : Immediate removal of the inaccurate late payment notation from my credit report across all three credit bureaus.

Correction of the Payment Status field to " Paid as Agreed '' or equivalent. 
Written confirmation of all corrections made. 
I request the CFPBs intervention to ensure compliance with federal laws and to hold XXXX, Experian, and XXXX accountable for their negligence in addressing this matter. Enclosed are copies of my previous dispute letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, along with supporting documentation. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want the negative items deleted from my credit reports effective immediately : A. Hard inquiries : XXXX. XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXXXXXX XXXX  I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing XXXX 

Please help me delete these illegal accounts from my credit reports. Equifax deleted these inquiries on XX/XX/XXXX BUT ADDED EVERYTHING BACK XX/XX/XXXX. PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT. 
Thank you very much for your attention to this matter. 

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

I have never in my live done business with sentry credit nor do they have any signed contract between myself and them to be reporting in any regards to me. They are fraudulently reporting on information sold to them fraudulently. Ive asked XXXX AND XXXX TO BOTH DELETE THIS 7 times and have disputed this. XXXX has already deleted this item. The other two creditors refuse to immediately DELETE FRAUDULENT ACCOUNTS AND ACTIVITY. I have no correlation to or with this company and have never done business with them. They are reporting on my credit in regards to a matter Im totally unaware of.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 XXXX 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: Vehicle loan or lease

Facts are I was sold a " CLONE '' XXXX XXXX XXXX XXXX online 3-D website purchase is how your buy their cars. 

I purchased the vehicle on XX/XX/XXXX and it was delivered on XX/XX/XXXX byXXXXflatbed truck. I was informed on delivery I would receive my contract, license plates, and decal stickers delivered via mail. I never received any paperwork for the purchased vehicleXXXXthe dealership sold me a cloned vehicle and the subsidiary company BRIDGECREST sent letter informing they were deleting it from their records and all 3 credit bureaus to delete the account. 

Needless to say, BRIDGECREST continues to send fraudulent presentments in the form of pay coupons to send them money I do not owe. Also, I had to file state attorney general consumer complaints on fraud contract and vehicle purchase I had for 10 months. I received a call from Georgia DMV Fraud Agent informing me I purchased a vehicle on their State thats not registered. 

The companyXXXXcreated two fraud contracts as if I purchased the vehicle from state of Georgia when o purchased vehicle online from the state of Indiana. Fact is FBI has to get involved for fraud and other agencies for Odometor Fraud concerning Vehicle I purchased on XX/XX/XXXX. 

The results are the vehicle is under investigation with Missouri Highway Patrol Fraud Agent, U.S. Department of Transportation Odometor Fraud Agent, and Georgia DMV Fraud agent. I have not heard anything since the vehicle was unlawful reposssed on XX/XX/XXXX. 

I received a call by FBI XXXX XXXX Agent XXXX informing me where to go to pick up my personal property. I have received fraudulent mail that is in violation of FDCPA 1692 ( e ) concerning my consumer rights being harassed about a cloned vehicle thats confirmed I purchased a vehicle that do not belong to me under fraudulent sales contract created byXXXXcompany and BRIDGECREST. 

I have sent certified mail with tracking number. Phone calls made on XX/XX/XXXX, to XXXX XXXX requesting all RECORDS be sent certified within ( 5 ) business days pertaining to the ( 2 ) Security Retail Agreements created by XXXX XXXX Underwriter without written express consent. They used a fraud SSN to create the vehicle sales contract that does NOT belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX : # XXXX XXXX  : # XXXX XXXX XXXX : # XXXX XXXX  XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX 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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reports of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that Midland Funding, LLC. properly investigated this account because there are obvious inaccuracies. 

The account has been re-aged by XXXX and XXXX. XXXX is reporting the date of last activity as XX/XX/XXXX while XXXX has reported XX/XX/XXXX. This is a clear XXXX difference and once again it is IQ Midland Funding , LLC 's job to make sure this information is correct by conducting a proper investigation. 

Midland Funding, LLC. has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting to. 

Midland Funding, LLC. has also Violated Cal. Civ. Code 1785.25. They are knowingly furnishing inaccurate information which is a {$5000.00} violation per credit reporting agency they are reporting to. 

I also sent them a letter exercising Cal. Civ Code 1785.30 where they are required to correct any inaccurate information from my consumer reports and they have failed to acknowledge my request.
Product: Credit reporting or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX  Account Number : XXXX I dont recall being late on this account. Please verify all information is XXXX percent true accurate and correct and is not untimely unverifiable incomplete or inaccurate. Provide proof of last payment otherwise remove the late from this account. 

Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXXXXXX XXXX XXXX Account Number : XXXX The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be deleted and update as agreed this payment history Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX XXXX Account Number : XXXX Per Section 609 ( a ) ( 1 ) of the Fair Reporting Act ( FCRA ), you are required by federal law to verify any all accounts posted on my credit report and only report accurate information. I request all verifiable proof you have on file the late payment listed on the following account Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Checking or savings account

On Tuesday, XX/XX/XXXX, I received a letter in the mail from Wells Fargo Bank that {$50.00} I had in a checking account with them was being sent to unclaimed property since there was no activity with the account and they had not heard from me. I also had a mortgage with Wells Fargo, and the {$50.00} in the checking account was required when opening the mortgage account 6 years ago to the month. When I've look at my account online over the last 6 years, all I can see are my mortgage accounts and not this checking account. 

The transaction date listed in the letter is XX/XX/XXXX and I did not receive the final notice in the mail until XX/XX/XXXX. I contacted Wells Fargo on Tuesday, XX/XX/XXXX in the evening and they told me they had notified me numerous times by mail that my account was going to be closed and sent to unclaimed property. I was never contacted by letter, email, or phone call and this was the first notice I received. 

I contacted the unclaimed property XXXX in West Virginia that Wells Fargo referred me to on Wednesday, XX/XX/XXXX to reclaim the {$50.00} that Wells Fargo sent to unclaimed property without notifying me or my permission. I now have to wait at least 6 weeks to initiate a claim and even longer to get the {$50.00} back.
Product: Vehicle loan or lease

Subject : Complaint Against Westlake Financial Services for Violations of Repossession and Consumer Protection Laws XXXX To Whom It May Concern, I am submitting this complaint to formally report Westlake Financial Services for violating repossession laws and engaging in unfair debt collection practices. Below is a summary of the relevant details and violations : Background Information : Vehicle Details : XXXX XXXX XXXX Purchase Date : XX/XX/XXXX Creditor : Westlake Financial Services Repossession Date : XX/XX/XXXX ( Voluntary Repossession ) Vehicle sold : XX/XX/XXXX Violations by Westlake Financial Services Failure to Provide Notice of Sale & Right to Redeem or Reinstate : Westlake Financial Services did not provide me with any notice of the intended sale of my repossessed vehicle. I was unaware of the sales timing, location, or terms, which violates both Pennsylvania repossession laws and Uniform Commercial Code ( UCC ) Article 9.

Failure to Provide Accounting of Sale Proceeds : After the vehicle was sold, Westlake Financial Services did not provide me with a detailed accounting of the sale proceeds, including : The amount the vehicle was sold for. 
How the proceeds were applied to my loan balance, repossession fees, and other costs. 
Any remaining deficiency balance. 

Harassment and Unfair Debt Collection Practices : Westlake Financial Services has continually harassed me with repeated calls demanding payment for a deficiency balance without providing legally required information about the sale of the vehicle. 

On XX/XX/XXXX, I spoke with a representative named XXXX XXXX, who was dismissive and rude when I requested information about the sale and explained their legal obligations. She repeatedly interrupted me and falsely claimed that I should read my contract for answers. 

Violation of Fair Debt Collection Practices Act ( FDCPA ) : The harassing phone calls, combined with the failure to provide required information, constitute a violation of the FDCPA.

Conclusion Westlake Financial Services has failed to meet its legal obligations and engaged in unfair practices that have caused me undue stress and frustration. I trust that the CFPB will investigate this matter thoroughly and take appropriate action to ensure compliance with repossession and consumer protection laws. 

Thank you for your attention to this complaint.
Product: Credit card

I am currently in a major dispute for fraudulent charges between XXXX with Barclays Bank regarding my JetBlue XXXX XXXX. 

Despite a detailed discussion with a representative on XX/XX/XXXX ( when the fraudulent activity was first brought to my attention ) and assurances in line with Barclays ' {$0.00} Fraud Liability protection, I was dismayed to find all of these charges were taken off and then re-added to my account, totaling {$1800.00}. 

Barclays ' commitment, as stated on their website, assures customers that they are not responsible for unauthorized purchases reported to you, regardless of the card 's status. This assurance is a cornerstone of my trust in their services, and its breach is a matter of grave concern. 

I would like to highlight the following critical points for your immediate action : Questionable Investigation : I was informed that these transactions are being challenged because someone physically used my card 's chip. However, this does not align with the presence of the dozen or so XXXX charges on my statement, which are purely electronic. This inconsistency raises serious doubts about the thoroughness of their investigation, suggesting a lack of due diligence. 

Location Discrepancy : I work in XXXX XXXXXXXX XXXX  six days a week, making it impossible for me to be in the XXXX making purchases at XXXX  or any food places during the period of these fraudulent transactions. If anybody looked at my previous statements they would see I never have been in the XXXX and use my card sparingly. Barclays should have picked up on these fraudulent transactions sooner then a 10 day period. There are charges from XXXX of {$500.00} and {$200.00}. Why would I do that? I didn't!!!! 

Authorized Transactions : The XXXX XXXX charge on XX/XX/XXXX ( {$9.00} ) and the XXXX XXXX  on XX/XX/XXXX ( {$4.00} ) were the only transactions made by me. 

Disputed Amount : The remaining balance of {$1800.00} represents fraudulent activity, and under their zero liability policy, I should not be held responsible. 

Additional Evidence : I have already sent in my XXXX Account statements, and work schedule to corroborate that I couldn't of been in the XXXX during any of these purchases. 

Post-Compromise Charges : All purchases after receiving the new card on XX/XX/XXXX are legitimate and fully paid. 

The current situation not only contradicts Barclays ' stated policy but also reflects poorly on the rigor of the investigation into these fraudulent charges. I have spent atleast 5 hours on the phone disputing these transactions. I urge them to re-examine the evidence, considering my regular work location and the nature of the charges ( physical vs. electronic ), to correct this error. 

Thank you for your prompt attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX The above company has placed an inquiry on my credit report. 
According to the FCRA, I am requesting a permanent removal of such inquiry. 
15 U.S.C. Code 1681 ( b ) Permissible purposes of credit report. 
I have not given consent to use my credit report, nor have I signed any written agreement to have access to my credit report in such manor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am potentially exposed to the XXXX 2017 Equifax data breach. This is the most recent of many data breaches I have been potentially impacted by. It is clear to me that companies that are in possession of my highly personal identification details are incompetent in regards to its safe keeping. For every one of these breaches, these companies offer a year of " free '' credit monitoring which then is charged as a subscription service thereafter. To single out Equifax, there are reports that agreeing to such a service is also agreeing to forced arbitration, essentially holding my identity and rights as a consumer to take legal action hostage for such protection. This information is in most cases permanent and unchangeable without undue burden such as a social security number. I feel that these companies have not taken appropriate actions to safeguard my personal information because there is no incentive for safekeeping or monetary penalty for failure ( i.e. fine levied ). It is an insult that they will offer " monitoring '' to the victim of these breaches through their own corporate division when they are the the entity that is clearly incapable of protecting my information in the first place. At a minimum, I would expect industry wide changes in practice that penalize corporations for their inability to safeguard this information. I believe lifetime credit monitoring is more than a fair trade for the repeated exposure of this information that an individual like myself has endured.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the outcome of a recent investigation conducted by Experian regarding a late payment reported on my credit file. I submitted documentation clearly demonstrating that a billing error occurred due to a XXXX-party issue, which resulted in a late payment being inaccurately reported for XX/XX/year>. However, Experian has only modified the reported late payment date from XX/XX/year> to XX/XX/year>, without removing the late payment, which remains incorrect. 

Specifically : - I provided my bank statements showing a payment of {$920.00} was made on XXXX XXXX, XXXX. This confirms that it was impossible for the late payment to have occurred in XX/XX/year> as reported. 
- Documentation submitted in my dispute also substantiates that the late payment in question resulted from a third-party billing error in XXXX XXXX, not from my negligence. 

XXXX failure to accurately address the evidence I provided constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : XXXX. **15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to Conduct a Reasonable Investigation** Experian is required to conduct a thorough investigation when a dispute is submitted. The failure to remove the inaccurate information after I provided clear evidence demonstrates a lack of reasonable investigation. 
XXXX. **15 U.S.C. 1681e ( b ) : Duty to Maintain Accurate Information** Credit reporting agencies must ensure the accuracy of the information they report. By continuing to report an incorrect late payment, Experian is in violation of this duty. 
XXXX. **15 U.S.C. 1681s-2 ( b ) : Furnishers Duty to Investigate** If Experian communicated my dispute to the data furnisher, they also failed to properly investigate or correct the error. 

I request that Experian remove the late payment from my credit report entirely, as the evidence I provided demonstrates its inaccuracy. Failure to address this issue promptly may leave me with no choice but to escalate this matter further. 

Please confirm receipt of this complaint and provide an update on the corrective actions to be taken.