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

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute Regarding Inaccurate Late Payment Reporting for XXXX MTR Account Dear CFPB, I am filing this complaint regarding the inaccurate late payment reported on my credit file for the account listed below. Despite multiple requests for correction through disputes submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no changes have been made. This persistent inaccuracy constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Information : Account Name : XXXX XXXX  Account Number : XXXX Account Status : Closed/Paid High Balance : {$36000.00} Late Payment Reported : XX/XX/XXXX Errors and Discrepancies : 1. Late Payment Dates : A 30-day late payment is inaccurately reported for XX/XX/XXXX across XXXX, XXXX, and Equifax. This discrepancy is false, as no payment was due or late for the stated period. 
2. Two-Year Payment History : All months are marked " OK '' in the two-year history section, yet the reported 30-day late payment contradicts this accurate record. 
XXXX. Inconsistent Reporting : XXXX and Equifax fail to provide the date of the last verification, violating the FCRA requirement to ensure information accuracy. 
XXXX. Failure to Update XXXX : Despite multiple dispute submissions on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the reported information remains unchanged. 
Legal Violations : Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i, credit bureaus are required to ensure accuracy in consumer files. This has not been upheld, as evidenced by the uncorrected inaccuracies in my report.

Truth in Lending Act ( TILA ) : As stipulated in 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before payment due dates. The inaccurate late payment reporting implies non-compliance with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditor responsibility to provide timely and accurate statements. The continued reporting of false late payments demonstrates a breach of these obligations.

Desired Resolution : 1. Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit file. 
2. Written confirmation of the correction to ensure compliance with the FCRA and TILA.

Failure to resolve this matter promptly will result in further actions, including additional complaints to the CFPB and possible legal recourse. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I contacted XXXX XXXX  and they have no record of this account belonging to me. I do not now, nor have I in the past had an account with XXXX XXXX. Clearly this account is being reported in error and does not belong to me. This reporting of a collection/chargeoff 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: Debt collection

On XX/XX/XXXX, I sent a debt validation letter to Radius Global Solutions requesting the above mentioned documents and they have failed to provide this. It is fraudulent behavior to claim a debt is owed and not provide the required and requested documents. A debt collector has a legal responsibility to provide documentation upon request.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Request for Blocking and Removal of Fraudulent Accounts Under 15 U.S.C. 1681c-2 Dear Experian, I am writing to formally dispute the inclusion of inaccurate and potentially fraudulent information on my consumer report under my rights afforded by 15 U.S.C. 1681c-2 ( c ) ( a ). Upon reviewing my credit report, I identified the following accounts that were not authorized by me and should be immediately removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681c-2,
I request that Experian immediately block and remove these accounts from my consumer report as they are inaccurate and may have resulted from identity theft or errors. I am invoking my right to protect the integrity of my credit report and expect these accounts to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB : ALL IM SAYING IS IF THERE'S CLEARLY INACCURATE DATES BETWEEN THREE BUREAUS, INACCURATE AMOUNTS, INACCURATE DISPUTE STATUS WHY ARE THEY REPORTING IT!!! FOR ALL I KNOW BEING A REPORTER THEY NEED TO HAVE THEIR SOURCES ACCURATE BEFORE THEY FURNISH MY CREDIT REPORT OTHER PEOPLE... ON WHICH I NEVER AGREED IN WRITING THAT THEY CAN DO SO!!! 


i write here everyday... believe me im annoyed too... i just want to hold the 3 bureaus accountable for false report ... or better yet FAKE NEWS!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to Transunion disputing three accounts on my credit report that are reporting under " Accounts with Adverse Information. '' I requested that TransUnion remove the accounts from that category because I never missed or was late with the payments. I received a letter with the investigation results in XXXX, and everything was still the same. The only reason it's under " Accounts with Adverse Information '' is because there are remarks stating " Managed by XXXX XXXX. '' This company handles several accounts on my credit report without any remarks, listed under " Satisfactory Accounts. ''
Product: Prepaid card

I received an Amex giftcard and have not been able to use the card anywhere. It is an egiftcard, non physical card, uploaded to XXXX, XXXX, XXXX, XXXX, and more and gets declined, or error message that the card has incorrect security code and/or expiration date. when calling MULTIPLE customer service lines, either get a robo only, Finally got through to customer service line after selecting lost card, and keep getting told to use the card physically in person, and swipe. Had to explain that it was an ecard, shouldn't have all these issues, and wanted a check issued instead for the total amount. After that I was put on hold for more than XXXX minutes told I should call back at another time, because of high call volume of callers, and they have to get through to other customers.THis feels like a SCAM that could go on forever. 
A card you can't use for {$250.00}, then can't get a solution.
Product: Student loan

I have a loan with NAVIENT, I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and NAVIENT with no successful resolution. XXXX and XXXX are only reporting me late. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

An accordance with the fair Credit Reporting Act XXXX Accounts # XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, and XXXX Card Acct # XXXX, has violated 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 account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts listed on my credit repair that doesn't belong to me. I never gave anyone access to personal information to apply for these accounts listed below. 



XXXX XXXX -opened XX/XX/XXXX amount {$930.00} XXXX XXXX opened XX/XX/XXXX amount {$790.00} XXXX XXXX XXXX opened XX/XX/XXXX amount {$0.00} XXXX XXXX -opened XX/XX/XXXX amount {$0.00} XXXX XXXX XXXX   XXXX- opened- XX/XX/XXXX amount {$3900.00}
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credi standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

These are the account I want removed XXXX XXXX XXXX XXXX XXXX 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
Product: Vehicle loan or lease

I came across rate genius on XXXX XXXX. And nowhere under the terms and conditions did it state they were going to do a hard pull on my credit report. Not only one but 4 Harding inquirys. I want them to send a request for deletion to all four banks. That was done without my consent or knowledge. I do not approve of the predatory practices
Product: Checking or savings account

As part of ongoing complaint # XXXX against US Bank over illegal activity taken against my account by US Bank, I made the Consumer Financial Protection Bureau aware that US Bank had lied and misrepresented to the Consumer Financial Protection Bureau. We are still awaiting US Bank 's response to that. 
In the interim, today I received a call from " Card Member '' services XXXX at XXXX XXXX informing me that US Bank now was going to offer me a refund, albeit at a fraction of the amount that was illegally withdrawn from my account by US Bank. It further came to light that US Bank had compounded its earlier illegal behavior in this matter by putting the account into collection. How I was additionally damaged by that action is substantive but difficult to fully quantify at this point. 
What has occurred here, as I pointed out earlier, was, literally, criminal on the part of US Bank and several employees. What US Bank is now doing, clearly as part of something it will present to the Consumer Financial Protection Bureau as somehow making me whole in the matter, barely scratches the surface and, frankly, is yet another attempt by US Bank to misrepresent to the Consumer Financial Protection Bureau what occurred in this entire affair and the current state of things.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is concerning XXXX Credit reporting. I have sent them letters as my attorney did and they refuse to correct my credit history/report. 
XXXX XXXX XXXX is breaking PA law : Pennsylvania Motor Vehicle Financial Responsibility Law, 75 PA C.S. 1797 ( b ) ( 7 ). and refuse to remove this fraudulent reporting by this company.

XXXX was a stolen gas card.Purchases were made in CA and I reside in PA. XXXX called me  to inform me of the fraud and told me they would close the card as they did and I agreed. Transunion & XXXX refuse to remove from my credit history after they been shown the information as FRAUD
Product: Bank account or service

Attempted to deposit {$240.00} at Suntrust authorized ATM ; {$60.00} was returned. Submitted a claim the following day and received a temporary credit of {$180.00}. About two days I ago received a letter that claim was denied. I called the fraud department and asked if cameras were used when investigation was conducted, manager said that he was not the one that conducted the investigation and could not say for certain whether the camera was reviewed. He did advise that I can submit a rebuttal form ; which I did. That process takes 60 days to process. I also requested the documents as to how determination was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent in a complaint of identity theft for Experian. Their response is that that need authorization due to third party. My name is XXXX XXXX, and I am a victim of Identity theft. I am NOT a third party. I XXXX XXXX also give Experian permission and authorization to proceed with my complaint on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I opened a second dispute of XXXX XXXX with Experian and XXXX. I submitted proof to Experian that I sent a verification letter to XXXX XXXX and they did not respond within 30 days. Experian notified me that their investigation was complete on XX/XX/2021 and the negative reporting of XXXX XXXX remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account currently listed on all three of my credit reports listed as WF/FMG with a current balance of {$1100.00}. This account was apart of an ongoing lawsuit with wells fargo company with creating fake accounts and credit lines. I have reached out to Wells Fargo on numerous occasions to let them know this account did not belong to me and asked them to remove this from my credit report. This account is listed as closed on my credit report but is reporting past due when this account does not belong to me.
Product: Mortgage

I have paid extra money on principle balance of home loan, the current LTV shows 78 % and the bank is not removing the PMI from my mortgage payment, they are stating that I must send in a written request, I explained that at 78 % LTV the law requires them to automatically terminate the PMI, they told me no I must send in written request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX XXXX  XXXX XXXX Please note that XXXX has the XXXX  Account showing 60 day late payment XXXX XXXX Then other 60 day late payments for the following months sequentially : XXXX, XXXX, XXXX, and XXXX. This is clearly not possible and and inaccurate information provided by XXXX. Notice they tried to say I owe XXXX more on the original lease amount of XXXX. After I called out these errors XXXX changed the status to closed, paid as agreed then reported it as XXXX percent paid in full with now only 4 30 day late payments. They have since deleted this account from my credit file because of the constant errors and deceptive tactics used by XXXX XXXX, and the FCRA laws that prevent Credit Reporting Companies from reporting late payments for the COVID Emergency time period. 

Experian is reporting that XXXX is saying the original balance is XXXX! and that I owe XXXX when I only paid the XXXX as agreed. The math is even wrong. That means they are telling you I paid XXXX to them. This is very false and inaccurate. You also have 5 30 day late payments with XXXX in XXXX and now the 4 sequential one are showing up in XXXX instead of XXXX like XXXX reports to XXXX. I am exhausted with these lies and inconsistencies. Please just delete this account. You all have severely hurt my life with this false reporting. 

Experian please do the same as XXXX and you are also subject to the same laws and must comply. XXXX XXXX is truly engaging in abusive practices and you are complicit in violating my rights by continuing to accept their lies and falsely reporting it as verified. Please delete this account immediately they are incapable of being fair and honest in their reporting. They intend to extort me, please stop enabling them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : XXXX  XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I have been trying to be complaint with my lender for I don't know how many months now trying to get help to save my home! I even have a counselor XXXX XXXX who has tried to work with them but they keep messing up my paperwork. 

I have advised the lender that I am not self employed and they closed my most recent review about two weeks ago because they said they did not receive my pay stubs and profit and loss. Well I am not self employed and I had already sent them pay stub. 

There is a never ending cycle of document requests and no resolution to my hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 syncb/PayPal has placed an inquiry On my credit report that I did not authorize nor initiate They are harming me
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the civil liability claim regarding negligent non-compliance that has been asserted against me by Experian. The claim references Section 16810 as the basis for holding me responsible, but I believe that I am not liable for the alleged non-compliance, and I would like to present my case for your review. 

Background of Dispute XXXX XXXXXXXX collection of {$150.00} was disputed and removed on all other bureaus EXCEPT Experian in XX/XX/XXXX and is now closed and deleted. I disputed with Experian multiple times with the latest being on XX/XX/XXXX and this collection still remains on my report. 

Reason for Dispute After reviewing the circumstances and considering the provisions of Section 16810, I firmly believe that the claim of negligence is without merit for the following reasons : Debt paid in full but not deleted as requested [ Reason 1 : Legal or factual error ] All other credit bureaus has this account closed or deleted except experian. ( see screenshots ) Request for Resolution I request a formal review of this dispute and the dismissal of the claim for civil liability based on the above grounds. I am prepared to provide any additional information or documentation that you require to assist in resolving this matter fairly. 

Please confirm the receipt of this letter and advise on the next steps within 7 days. Should you require further clarification or wish to discuss this matter, I am available at XXXX or XXXX. 

I look forward to your prompt response and the resolution of this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

I declare under penalty of perjury ( under laws of the united states, if executed outside of United states that the foregoing is true and correct to the best of y knowledge. Further more, i certify that i am entitled by FEDERAL and STATE law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION that is punishable under 18 U.S.C. 1001. Additionally, these statements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that i made. I am alleging that some person or company used my personal information for goods, services, or money, and was successful in creating some accounts without my authorization. All is being investigated by the XXXX.