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

My account with XXXX XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX 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 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 in months that are reported late 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 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, credit repair services, or other personal consumer reports

I sent a letter to XXXX on XX/XX/2022, requesting that will investigate the disputed accounts from my credit report as well as place temporarily update these items from my report during the investigation period. As of this date, XXXX, XXXX and TransUnion have failed to respond to my request. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance {$1100.00} ; XXXX  XXXX XXXX Balance {$2000.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$2100.00} ; XXXX XXXX XXXX Balance {$12000.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX Balance {$0.00}
Product: Debt collection

I contacted XXXX and XXXX in regards to a debt that appears on my credit report. I was then informed that the debt originated from XXXX XXXX XXXX and it was the result of a unpaid balance of {$230.00} back in XX/XX/XXXX. I informed the representative that I never been insured with XXXX  XXXX  and was unaware on how a vehicle can be insured under my name with them and that I believe I am a victim of identity theft. The representative proceeded to inform me that they have several different accounts under my name registered to a XXXX XXXX XXXX and a XXXX XXXX XXXX amounting to another {$910.00}. She additionally provided me with the billing addresses on the claim. I reassured the representative that I never owned such vehicles, never lived at such addresses and the only car I've ever owned is a XXXX XXXX XXXX. I asked the agent to provide me with further information such as the VIN numbers to the vehicles in question and was told they didn't have any further information on file.
Product: Debt collection

There is a negative entry in my credit report for something in Connecticut, I live in California and have never lived in Connecticut.  I called the number on the credit report and the representative told me to pay the debt, I asked to speak to a supervisor, the representative disconnected the call. 
I filed a dispute with   XXXX    and they returned their findings as accurate, with no further information.

I C SYSTEMS COLLECTIONS # XXXX 
  XXXX   XXXX   XXXX   XXXX   XXXX  , MN  XXXX 
( XXXX )  XXXX 
Placed for
collection:
 XX/XX/2017 
Responsibility: Individual Account
Account Type: Open Account
Loan Type: COLLECTION
AGENCY/ATTORNEY
Balance:  $  XXXX    Date Updated:   XXXX   
Original Amount: $ XXXX 
Original Creditor:   XXXX   XXXX   XXXX   (Cable/Cellular)
Past Due: >$ XXXX <
Pay Status: >In Collection<
Remarks: ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION<
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint number XXXX. I previously submitted a CFPB complaint on XX/XX/22 and I have not gotten any correspondence back from Experian as it pertains to the investigation results. This causing me to suffer financially as I am not able to get financing and or favorable interest rates. This account is reporting inaccurately and is in violation of my consumer rights. The following company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I have been emailed several times about payments and payment arrangements from this company. After reading 15 U.S.C 1681 Section 604 A Section 2 : It 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 seven years. 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: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Chase account to the fraudulent investment firm.
Product: Student loan

My Loans were transferred from AidVantage to XXXX about a year ago but AidVantage is still reporting them as open with the credit agencies. I called them about 5 months ago and asked them to update it on my report. It is hurting my credit score because it has doubled my debt amount. They said they would escalate it, but it still hasnt been resolved. I have had to contact the credit bureaus on my own and dispute them. I dont feel like this company has done its due diligence and I feel like this should not have been my responsibility to take care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my credit report recently I noticed that there were several inquiries that I do not recognize, nor did I authorize. I contacted the CRA 's and the creditors and requested removal of UNAUTHORIZED INQUIRIES, but I was denied. I stated that I am a victim of identity fraud and have a fraud-alert posted to my credit files on all ( 3 ) major CRA 's, but they still would not remove the inquiries.Here are the inquiries that were not authorized by me : XXXX - 1.XXXX XXXX ( XX/XX/XXXX ) and 2. XXXX XXXX ( XX/XX/XXXX ).

XXXX - 1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX (XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) 4. XXXX XXXX XXXX  ( XX/XX/XXXX ) 5. XXXX XXXX ( XX/XX/XXXX ).

EXPERIAN - 1. XXXX XXXX ( JXX/XX/XXXX ) 2. XXXX XXXX ( XX/XX/XXXX ) 3.XXXX XXXX ( XX/XX/XXXX ) 4. AXXXX XXXX XXXX ( XX/XX/XXXX 5. XXXX ( XX/XX/XXXX ). 
Please dispute these inquiries or contact the reporting agency and request removal of these unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUDULENT INFORMATION CONTINUES TO APPEAR ON MY CREDIT. THE FRAUDULENT ITEMS ARE AS FOLLOWS : XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) ( XXXX ) - XXXX XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX
Product: Debt collection

ENHANCED RECOVERY CREDIT COLLECTIONS DATES XXXX - XXXX THEY WILL'NT STOP REPORTING WRONG INFORMATION TO THE CREDIT BUREAU ( XXXX ) I HAVE Asked THEM TO STOP. 
DEBT OWE IS XXXX I HAVE PAID THE ORIGINAL CREDITOR XXXX AND I HAVE PROOF. I ASK THEM TO STOP CALLING ME AND REMOVE THIS FROM MY ACCOUNT. THEY WILL NOT STOP AND I KEEP DISPUTING THIS WITH XXXX AND THEY're SAYING THE COMPANY HAS SAID THAT INFORMATION IS CORRECT AND THEY Won't REMOVE THIS ITEM. 
I HAVE DISPUTE THIS SEVERAL TIMES. PLEASE HELP ME. THEY ARE VIOLATE MY FAIR CREDIT REPORTING RIGHTS.
Product: Debt collection

Perfection Collections is attempting to collect a debt on behalf of XXXX that is not owed. The relationship with XXXX was previously settled in the amount of {$1500.00} on XX/XX/XXXX. 
Perfection Collections has reported a debt to the credit bureau 's as of XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX  EQUIFAX RE : Method Of Verification I am requesting the Method of Verification for the following disputed account ( s ) : Account Name : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Confirmation # XXXX This letter shall serve as formal notice of my intent to file a complaint with FTC due to your blatant the and objectionable disregard of the Federal Law. Since you have not given me the names of person with their business addresses that you contacted for verification of the information, so that I could follow up as I requested, I assume that you have not been able to verify the information I have disputed. It is really disappointing to find a credit bureau not following the procedures and not maintaining the accuracy norms as required by the Fair Credit Reporting Act ( FCRA ). This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is NOT a DISPUTE! Again I AM NOT DISPUTING THIS ITEM! This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the item ( s ). Please mail me the proof of your investigation or remove the negative information. Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation. 
1. The name of court representative you spoke with 2. The court address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Your company has never validated or verified these judgement lien entries on my credit report. I need the child support information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
Thank you. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : TRANSUNION COLLECTION : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) Balance {$630.00} XXXX XXXX XXXX Balance {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$4000.00} INQUIRY : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance {$630.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) Balance {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$4000.00} INQUIRIES : XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$630.00} XXXX XXXX XXXX Balance {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$4000.00} INQUIRY : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I sent a dispute to XXXX regarding account CALIFORNIA ACCTS SVC # XXXX inaccurate credit reporting. CALIFORNIA ACCTS SVC is in violation of the violation for an " aged account '' typically falls under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681c.CALIFORNIA ACCTS SVC reporting in the comment section ( report # XXXX ) " Estimated month and year that this item will be removed : XX/XX/XXXX ''. However, CALIFORNIA ACCTS SVC also reports that the Last Payment Made XX/XX/XXXX. This aged information is reporting inaccurately. The actual time for the account to be removed from the credit report would be XX/XX/XXXX ( 7-year period for these types of accounts to remain on a consumer 's credit report. 

" Time Limit on Reporting Adverse Information : Most negative information, such as collections, charge-offs, and late payments, can only be reported on a consumers credit report for seven years from the date of the first delinquency that led to the negative action. After this period, the information should no longer appear on the credit report. '' I am requesting that this account be deleted from the credit report due to the account reporting inaccurate information and aging the account, which is a violation and an updated credit report be sent to me reflecting the deletion
Product: Debt collection

CBCS had XXXX accounts for XXXX and XXXX bank. I sent money and the debt was not paid. XXXX claims I still owe {$100.00} and XXXX XXXX XXXX took {$110.00} from my bank account. When I called CBCS they claimed that I never had accounts with them. I can not show the payments as it was debited from a XXXX XXXX card that the employer ( that I no longer work for ) used to direct deposit my pay. XXXX claims that they do not generate statements for the payment because I no longer use the card and it was too long ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting by submitting this CFPB complaint to remove the following Accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. I am submititng this Complaint to formally request an investigation and correction of the following accounts that appear to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX Balance : {$0.00} Your record keeping is inadequate. This item is reported as past due but the account is closed with a XXXX balance. Correct it now. Provide evidence that false information hasn't been reported or remove it. 

XXXX XXXX XXXX Balance : {$0.00} The item on my report is inaccurate. The account is closed with a XXXX balance, yet it's reported as past due. Please fix this immediately. Either provide proof that you haven't reported false information or remove it. 

XXXX XXXX XXXX XXXX : {$0.00} I need to dispute charge off accounts that are still being reported on my credit file with a XXXX balance. These accounts have been paid off in full, and I request that you investigate and remove the charge off status as it is negatively impacting my credit score. I also request a detailed report of the steps taken to correct the inaccuracies on my credit report.
Product: Checking or savings account

I noticed in XXXX that there was 5 transactions that I've never authorized on my Bank of America checking account. There was 1 transaction each month since XXXX. The transactions appear to be paid for XXXX XXXX membership. The total amount of 5 transactions are {$77.00}. This is not my primary checking account and the amount is small. That's why I didn't notice these transaction until XXXX. 

As soon I noticed these authorized transactions, I called Bank of America to file a claim. Two months later, I received a secure message saying my claim is reject and they will reverse the temporary credit from my account. I called again asking why. They told me the believe these transaction are authorized by me because I reported very late and the amount is insignificant. So they rejected my claim based on their guesses, and they are basically calling me a liar. There was no use to talk more to them. I called XXXX afterwards, XXXX said if they can identify these transactions, they'd provide refund. But they need information to identify them. Yet, Bank of America refuse to give me the information needed and they refuse to work with XXXX from their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following inquiries : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to the three major credit bureaus to verify information being reported. Equaifax is reporting a " derogatory " account status on a PAID account. all three bureaus are reporting inaccurate and incomplete information. I have not received a response from XXXX, XXXX or Equifax,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX XXXX XXXX has violated my rights. 
Everything in this account is inaccurate -Date opened -High credit -Credit Limit -Last Reported -Date las active -Day of las payment And on top of it Equifax reported as pay as agreed .

15 U.S.C 1681 A Section 2 : it Also States a consumers reporting Agency can not furnish a account without written instructions.
Product: Credit reporting or other personal consumer reports

Once again, I am writing to file a formal complaint against the 3 major buraus XXXX, Experian, XXXX regarding their failure to update my credit information and provide me with a method of verification, as required by the Fair Credit Reporting Act ( FCRA ).

For well over 90 days, I have been disputing the same account over and over just to get the same generic responses over and over since XXXX of this year ( 2023 ) I have been disputing the same account showing proof of clear errors and inaccuracies just to be told the item was Updated Or Verified How is this possible if I have proof and a print out of the same exact errors on the same exact account.

Experian doesn't even have my correct DOB but has the audacity to tell me time and time account everything is updated and verified this is just wrong. 

I have attempted to resolve this matter directly with the XXXX buraus via dispute letters. Despite my efforts, the issue remains unresolved, and I believe that their actions are in violation of the FCRA. 

I will have my latest disputes, cover letter and credit report attached. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Experian complies with the FCRA. Additionally, I would appreciate your assistance in resolving this issue and obtaining the accurate and up-to-date credit information to which I am entitled. 

Please find the following information related to my complaint : Account Name : CAPITAL XXXX Account Number : XXXX ACCOUNT TYPE ACROSS ALL 3 DOES NOT MATCH DATE OPENED DOES NOT MATCH ACROSS ALL 3 DATE LAST REPORTED, DATE LAST ACTIVE, DATE OF LAST PAYMENT INCONSISTENT AMOST ALL 3 BURAUS PAYMENT HISTORY COMPLETLEY INCONSISTENT AMONGST ALL 3 BURAUS. 

I appreciate your attention to this matter and look forward to a prompt resolution. If you require any further information or documentation, please do not hesitate to contact me at the provided phone number or email address. 

Thank you for your assistance. 

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

I have sent in multiple police reports and ftc reports regarding accounts that were open fraudulently under my name. I have been able to get these accounts removed with no problem with the other credit companies except Experian. I was told by a rep on the phone if the accounts are ever added back to simply send back in my ftc reports. I have uploaded twice on their we site and sent in 2 certified letters via usps but no resolution. the fraudulent accounts are still on my report. I have traced and seen where my letters have been received.
Product: Student loan

I'm trying to login to Navient on Saturday, XX/XX/2021 to download tax forms related to my student loan and am unable to login due to " scheduled maintenance. '' Their automated phone system is also unavailable due to maintenance. I will concede that I could have been more proactive in working on filing my taxes earlier, but it strikes me as irresponsible and inconsiderate for a loan servicer 's site to be undergoing " scheduled maintenance, '' one weekend before the tax deadline. For people who work during the week this makes it very difficult to take care of business and is a disservice to me as a student loan borrower and as a taxpayer.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2020, the Credit Report still reflects inaccuracies in terms of account status. I have tried rectifying this with AES and XXXX, and I have yet to see any changes. 

Because AES has failed to act on these reports, the beginning stages of a Civil Suit have begun on my part. Unless you respond to this complaint within no less than 72 hours with an actionable response to correct the information on the Credit Report, further motions to sue PHEAA/AES will commence.
Product: Credit reporting or other personal consumer reports

I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

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

Called XXXX  and Equifax for them to remove a ( PFD ) Pay for Deletion account on my credit report. Had an agreement with XXXX XXXX that if I paid my revolving debt off it will be deleted off my credit report so I can close on my house. It is in XXXX XXXX system so if any questions needed contact XXXX XXXX.
Product: Checking or savings account

On XX/XX/year>, I brought an amount of {$320.00} to a 5/3rd bank I frequent. This took place in the drive through transaction lane. I asked for the funds to be placed into my checking account, and for a receipt. When I got my receipt back, it said {$300.00}. I raised my concern with the teller who snapped at me that it had been counted twice with two different machines. I had counted it several times ( 6 to be exact, I dont like being unprepared when visiting the bank ). The same teller has, in the past, made mistakes before. They have shorted me on cash and been caught, they have neglected to thoroughly inspect the checks I bring through, as some of those have been missed as well. They made it clear I wouldnt be able to challenge them on it, which is why Im filing a report.