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

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year> Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the XXXX grace period : My payments were made on XX/XX/year>, which falls within XXXX ' standard XXXX grace period. Therefore, the account should not have been reported as XXXX or 60 days late. 
Clerical error by XXXX : My payment, though made on time, was incorrectly recorded as late due to a clerical error by XXXX. This resulted in the inaccurate reporting of a XXXX and XXXX late payment on my account. 
Evidence provided : I have attached bank statements and payment confirmations showing that the payments were made on time, well within the grace period. This documentation proves that no late payment occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian 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: Credit card or prepaid card

On XX/XX/XXXX I was informed that my credit limit on my Chase XXXX visa had been decreased by {$1400.00}. The letter was dated XX/XX/XXXX. 12 days after Id made a payment in the amount of {$860.00} on XX/XX/XXXX. In addition to a {$62.00} payment on XX/XX/XXXX. Followed by another payment of {$500.00} percent n XX/XX/XXXX. Chases reason for decreasing is based on a credit pull from XX/XX/XXXX and as they described delinquency on my credit report. Meanwhile I havent had any recent delinquency on my accounts as they are all on autopay. I also havent missed a payment on this account since XX/XX/XXXX. Due my having the wrong bank account linked. But I have since made every payment on time since then. I find it very disturbing that this change would take place after I made good faith payment to significantly bring my credit utilization down. Where it was once close to 80 % I managed to bring it to around 35 %. Now with the decrease my usage is up to a high of 78 %. Not to mention at the time of the later my score had gone back to XXXX. While the credit score is explained to have also played apart in their decision, I was told the score had nothing to do with it. Ive even received credit limit increases from other creditors which is why Im so confused as to why this happened soon after making those payments. Chase explained that they could request a review of my account for an increase. But that would too affect my credit score. Which is something XXXX dont want to do at this time.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
XXXX {$5500.00} ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX operati.
Product: Credit card

I am being reported late for XXXX and XXXX, when both payments were made on time. In fact XXXX statement has not come out yet and I am being reported late in XXXX. Payment was due XX/XX/XXXX and it was paid XX/XX/XXXX. Attached is statement and payment. I want lates removed from Credit reports asap as I was not late. They are always marking me late and not posting payments when they should be and reporting late in the wrong month. I can not be late for XXXX when the statement for XXXX ahs not come out yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter of on XX/XX/2022. To remove Inaccurate Personal information that I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to Privacy. Also According to 15 USC 6802, No Financial Institution is not suppose to share my Information to third Party people. 

These are clear Violations of my Federally Protected Consumer Rights.
Product: Checking or savings account

I deposited a check I received from my dad for college on XX/XX/XXXX it has now been 5 days since and Bank of America has closed my account and wont return the money to me. My dad has went to the place where he got the loan and they are saying the check has cleared into my account and they cant cancel and give us another check till they send it back. Well Bank of America has put a XXXX dollar hold on my account and is refusing to either give me the money that was in my account or tell me why they have closed my account. I am now on financial probation at my school because they are refusing to give me my money. I have went in to 2 different financial centers and have only received attitude from the managers. Telling me its gon na be 3-4 weeks before I receive my own money. How ridiculous is that!! On the deposit slip it said at latest my funds would be available XX/XX/XXXX. 4 days ago.
Product: Credit reporting or other personal consumer reports

1. in accordance with the Fair Credit Reporting act XXXX XXXX number XXXX XXXX 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. 


2. in accordance with the Fair Credit Reporting act XXXX XXXX number XXXX XXXX XXXX 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. 


3. in accordance with the Fair Credit Reporting act XXXX XXXX number XXXX XXXX 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.

4. in accordance with the Fair Credit Reporting act XXXX XXXX number XXXX 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.

5. in accordance with the Fair Credit Reporting act XXXX XXXX number XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without in- curring an additional finance charge, such addi- tional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit card

The company is XXXX and the card is Avant. I signed up with a $ 0 monthly fee. I've never used the card, so I've never been late! I got an email today saying that a {$100.00} annual fee will be added to my account and a 6 point rate increase because of one of the following reasons : delinquency, over-limit, card usage or lack of profitability! The 1st three do not apply to me because I've never used the card! So because of lack of profit, I'm penalized! Here 's the real kicker! The representative from Avant told me that they do this to every customer! They hide it in their terms of agreement! This can not be a fair business practice!
Product: Credit reporting, credit repair services, or other personal consumer reports

Got notifications from credit bureaus that I notice inquiry was put in my TransUnion report between XX/XX/XXXX and XX/XX/XXXX without my consent call them they told I have put in a dispute
Product: Credit card

Dear Customer Support, I trust this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to urgently address a persisting issue regarding my credit card account with your company. 
Since XX/XX/2023, I have been dealing with a concerning situation where I discovered an unauthorized balance on my closed account with Venture One Capital, under account number XXXX. The original credit limit on this card was {$4500.00}, and to my surprise, I found that the account had been closed, and an outstanding balance of {$11000.00}, including growing interest, was reported. 
I want to emphasize that I have not taken any loans or made any transactions leading to this balance. The associated card number ends in XXXX. Despite my numerous attempts, making over 40 calls to your customer service, unfortunately, I have not received any satisfactory explanation or resolution to this matter. 
This situation has caused considerable distress and confusion on my part. I recently recalled a past conversation with Customer Service where I reported issues with payments made to a vacation company using my Capital One card, ending in XXXX. Subsequently, a dispute was initiated without my full understanding, leading to the closure of my account. I am now aware that Capital One has taken action, but I am unsure about the details. 
I kindly request a thorough investigation into the matter and a prompt resolution to correct the unauthorized balance on my closed account, along with the associated interest charges that have accrued since XX/XX/2023. 
I appreciate your prompt attention to this matter and request that you respond to this concern at your earliest convenience. If necessary, please provide a contact person or department that can assist in resolving this matter efficiently. 
Thank you for your understanding and cooperation in addressing this urgent matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Navient was calling all of my neighbors asking for my contact information because they can not reach me regarding a student loan. They did this last year as well and the XXXX XXXX XXXX complaint board notified them to cease. 

They have started calling all of them again recently in the past day or two. 

They have already ruined my credit, but now they are ruining my reputation and the right for privacy. Most of my neighbors do not speak to me anymore. The couple that got the call this morning from Navient asked me to stop having them call them. I never provided my neighbors ' information, so they are using other means to call them to harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX XXXX regarding inaccuracies on my credit repot, with one collection specifically. XXXX XXXX XXXX has listed on my credit report inaccurate information. 
This is the correct information, directly from the loan documents. 
1. Date Opened - XX/XX/XXXX I signed document in XX/XX/XXXX electronically *see attached 2. Last Payment - The company shows last payment XX/XX/XXXX but shows {$0.00} and in XX/XX/XXXX shows 120 days past due. If I had made a payment it would have been modified, they clearly state {$0.00} was taken. 
4. In XX/XX/XXXX, I recieved a collection notice with the amount of {$810.00}. Yet the report states it was {$960.00} in XX/XX/XXXX. 
*I have included several documents showing my previous disputes and response from XXXX , as well as loan docuemnts. 
I have requested documentation and a response from XXXX with no answer. They have been sent the same documents. I have disputed this XXXX in the last six months. 
I want the correct information provided, with documentation, which both XXXX and XXXX refuse to give me. 
I am currently in a class action for XXXX and Trans Union for inaccurate information from years ago. They seem to be repeating themselves. 
I understand the collection company verified the acct, but with what? Is there word enough, even when I have loan documents, clearly stating correct date and information. This has been an issue for 2 years, directly impacting my ability to get credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and XXXX are continuously reporting a bankruptcy on my credit report. They have stated that the Data Furnisher is US BKPT CT AL XXXX. So, I contacted them, and they stated they do NOT report, validate or verify anything to ANY credit bureau or third party. Yet the credit bureaus ( all three ) are continuously telling me that their information is verified. through Lexis Nexis Which can not TRUE. I would like this entry on credit report to be removed. Lexis Nexis Does not have it listed and XXXX can not verify me and even if they could they would still have to verify that from the ACTUAL BANKRUPTCY COURT which in my letter it states that THEY DO NOT VERIFY, VALIDATE, or REPORT.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block , inc ) due to inadequate customer service and unfair practices, which violates the customer financial protection act ( cfpa ). Specifically cashapp failed to take timely and effective measures to prevent address fraud on their platform leaving my account vulnerable and unprotected. Further more their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fraud transfer act ( efta ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

Hello, My name is XXXX XXXX XXXX XXXX. I am writing this complaint because today I was looking up my credit score something i have not done before and I came across it being low. I went to see why and someone pulled out loans in XX/XX/XXXX and XX/XX/XXXX in my name and I need to get this resolved and fix my credit. Please let me know what I need to do in order to get this mess figured out. My email is XXXX. 

Thank you
Product: Credit reporting or other personal consumer reports

There are 6 accounts on XXXX XXXX, XXXX and Experian that has been reported incorrectly and have not been corrected or deleted by the credut reporting companies. They are listed below as follows : 1. XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Balance {$3800.00} 2. XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Balance {$870.00} Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$1900.00} from XX/XX/XXXX to XX/XX/XXXX ; {$2000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$2000.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$2000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$2000.00} XXXX. XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account https : //annualcreditreport.transunion.com/dss/disclosure.page XX/XX/XXXX Account Type Revolving Account Loan Type CREDIT CARD Balance {$1200.00} Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Monthly Payment {$0.00} Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type AUTOMOBILE Balance {$24000.00} Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< https : //annualcreditreport.transunion.com/dss/disclosure.page XX/XX/XXXX Terms {$0.00} per month, paid Monthly for 72 months Date Closed XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX, FL XXXX Phone XXXX XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Balance {$9600.00} Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly https : //annualcreditreport.transunion.com/dss/disclosure.page XX/XX/XXXX Date Closed XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Account Information Address XXXX XXXX XXXX XXXX, NC XXXX Phone XXXX XXXX ) XXXX Monthly Payment {$0.00} Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type AUTOMOBILE Balance {$14000.00} Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms {$0.00} per month, paid Monthly for 72 months Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$18000.00} from XX/XX/XXXX to XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax about account thats on my credit Report called XXXX XXXX XXXX I have repeadtly called and called stating they have wrong information being reported I have provided them document.. XXXX XXXX even tells me a different day too.. Equifax state that they get thier information from XXXX XXXX but the date it still wrong. I have been asked to get removed fron ny credit report just like the ither credir bureos have removed it but still wont remove from my credit report
Product: Debt collection

I have no idea what this debt is. I do not owe Midland Credit or XXXX XX/XX/XXXX. They have not reached out to me in the past. This is not my debt and I feel this should not be on my account. I do not understand why this is being reported when I pay all of my bills on time. Please have this removed from XX/XX/XXXX. 

Thank you,
Product: Bank account or service

I placed an order with Classique Homes Furniture ( Phone XXXX ) for furniture ( fireplace and china cabinet ) with my Chase Bank account XXXX, Check # XXXX. Chase Bank is not assisting me with getting a refund for a check fraudulent cashed. I need EVIDENCE of the person who cashed the check, not the signature on the back of the check. In other words, what ID was used, and how does it verify the payee? It has been months, and Chase has not provided those records, as it is evident that Chase has no record of who cashed the check. They have been completely negligent, and refusing to cooperate. Chase refused to reverse the transaction despite my complaints and refund my money in the amount of {$2800.00}. The check was not written to the correct party, and was not cashed by the correct party. This is double fraud. 

Chase states that the person who cashed the check is XXXX XXXX only because that is the name on the check. However, they have not proven that it was the person, as there is no identifying documents substantiating this. Even if I wanted to pursue legal action, Chase 's negligence in identifying the payee has prevented that resolution. Chase needs to prove who cashed the check, because the signature is unclear. What Chase need to provide is the AUTHENTIC identity, including identifying documentation that shows who cashed the check. It is Chase Bank 's fault for not identifying the person who cashed my check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXXXXXX XXXX, XXXX OF XXXX XXXX and XXXX XXXX XXXX