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

I am formally disputing the following late payment entries on my credit report : XXXX XXXXXXXX XX/XX/year> {$27000.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Checking or savings account

I am writing to file a complaint against Fifth Third Bank regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction was authorized, I was charged fee due to lagged posting of charges and credits. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting

I received a letter from my bank denying me credit because of an Equifax report that indicates I have XXXX high balance/delinquent accounts. This is not true. I do not carry a balance on my cards from month to month. Also, according to this report my credit score dropped from mid XXXX to XXXX in a matter of 5 days. 
Annual credit report.com site claims I have already received all XXXX reports this year and I have not asked for nor received same. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX states that I still owe a debt - and still shows a derogatory status on my credit report when in fact they issued me a XXXX that I filed with my 2016 tax return which was then considered as income to me and I had to pay taxes on it. They have already written the debt off as a profit and loss and I have already paid taxes on whats considered income because of the XXXX. 

I have tried to resolve this matter directly with XXXX, XXXX, Equifax & XXXX. No one will remove this inaccurate information form my credit report.
Product: Credit reporting or other personal consumer reports

Experian correctly reports I opened an account/tradeline with XXXX in XXXX. However, the payment history reported is false/misleading/inaccurate, as there is XXXX ( XXXX ) payment history reported prior to XX/XX/XXXX. Experian is already reporting false/misleading/inaccurate information for XXXX and XXXX that shows inchoate payment status ( see CFPB Complaint XXXX ). Payment history for account/tradelines persist in credit files for at least seven ( 7 ) years. Failing to report payment positive payment history that existed prior to XXXX denies a consumer the opportunity to show potential creditors they had the ability to pay on financial obligations PRIOR to the beginning of the pandemic, which in XXXX can cause consumers to be denied credit and housing as a result, especially in cases where a consumer might be otherwise be approved upon request for reconsideration citing circumstances such as financial and or medical hardship, for example as RESULT of the pandemic. Thus, the " proprietary '' processes of Experian, which mysteriously causes years of prior payment history to be removed as result of unrelated disputes, unfairly disadvantages those indivdiuals that are XXXX, and/or women with small children, and/or are minorities, ie. those individuals that have been historically marigalized and as such are members of XXXX or more protected classes, and who were statistically more likely to experience financial and/or medical hardship during the pandemic. What Experian is doing is the epitome of discrimination. Overall, this account is not being reported with maximum possible accuracy because there is information missing for months prior to XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to resolve the multiple hard inquires on my credit report that I did not authorize. Ive recently put a freeze on all 3 credit reports because my information has been used to apply for auto loans, cash loans, credit cards, etc without my consent. The Credit Bureaus ( Equifax, XXXX, XXXX  ) are neglecting to address and verify the inquires properly. Ive tried contacting the creditors and they all informed to me directly dispute with the credit bureaus however they are not willing to work with me. The representatives have been very rude and some have even hung up on me. This has been an extremely stressful experience and I just really want this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've checked my credit report and I'm studying my consumer rights. I've spotted an issue with account number ending in : XXXX from XXXX XXXX. There's a {$0.00} balance with a 60-day late payment, and this violates my rights under the credit reporting act.

According to 15 USC 1681 Section 602, I have the right to privacy.

In 15 USC 1681 Section 604A, Section 2, it's stated that a consumer reporting agency can't provide an account without my written instructions.

Also, per 15 USC 166B, a creditor can't label a payment on a credit card account as late for any reason under an open-end consumer credit plan.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against Experian for their refusal to remove fraudulent accounts from my credit report, despite multiple attempts to resolve this matter. 
I am a victim of identity theft and XXXX XXXX, which has resulted in several unauthorized accounts being opened in my name. Specifically, there are XXXX fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that are still listed on my credit report. 
Experian is in clear violation of Section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, section 605B of the Fair Credit Reporting Act, and section 605C of the Fair Credit Reporting Act Despite providing Experian with all necessary documentation and repeatedly requesting the removal of these accounts, they have failed to take any action. This inaction is severely impacting my financial stability and causing undue stress. I would like your help in making sure that Experian meets its legal obligations and removes these fraudulent accounts from my credit report as soon as possible. 
Thank you for taking a look at this urgent matter. 

Enclosed are : A copy of my Police report, Identity Theft Report, proof of my identity, and address. 

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

TransUnion XXXX XXXX XXXX XXXXXXXX, PA XXXX Violation of FCRA 611, Debt Collection Harassment, and Sharing of Information with XXXX XXXX XXXX XXXX to 15 U.S.C. Sections 1692d, 1692i, and 1692c Dear Transunion, I am writing to address a matter of significant concern regarding the accounts that I have reported as fraudulent to the Federal Trade Commission ( FTC ) and subsequently requested investigation under FCRA 611 ( 15 U.S.C. 1681I ). It has come to my attention that there are discrepancies in the handling of these accounts, which directly violate the rights guaranteed under this section of the Fair Credit Reporting Act. 

Not only has there been a failure to comply with FCRA 611 in rectifying these accounts, but I have also noted the absence of any proof of verified accounts in the documentation provided. The utilization of the e-OSCAR system, without providing tangible evidence or verification of the reported accounts, raises further concerns regarding the legitimacy and accuracy of the reported information.

Additionally, I am deeply troubled by the actions of debt collectors associated with XXXX XXXX XXXX XXXX, who have been incessantly contacting me using my current information, amounting to approximately 15 calls daily. This relentless and harassing behavior violates the protections afforded to consumers under 15 U.S.C. Sections 1692d, 1692i, and 1692c of the Fair Debt Collection Practices Act ( FDCPA ).

Moreover, it has come to my attention that the information shared through credit bureaus like Transunion has potentially facilitated this harassment by providing my current contact details to debt collectors. Such sharing of inaccurate or unverified information with XXXX XXXX XXXX XXXX, leading to their persistent and unwarranted contacts, is in direct contradiction to the requirements outlined in 15 U.S.C. Section 1681, which mandates accurate reporting by credit bureaus to prevent the dissemination of misleading or false data to debt collectors.

As per FCRA guidelines and the FDCPA, I am formally requesting : Immediate rectification and removal of the reported fraudulent accounts.

Tangible proof or verification of these accounts within five ( 5 ) days of your receipt of this correspondence. 

Cease and desist of any sharing of inaccurate or unverified information with XXXX XXXX XXXX XXXX. 

Immediate cessation of harassing calls by their associated debt collectors in line with FDCPA provisions.

Please be advised that persistent contacts from XXXX XXXX XXXX XXXX based on false or unverified information reported through XXXX may result in a violation of FCRA codes, potentially leading to an immediate payout of up to {$1000.00} due to contacting me on accounts deemed fraudulent.

I urgently request your prompt attention to these matters and expect a comprehensive and lawful resolution as per the guidelines outlined in the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Transunion and XXXX all have different information on my reports and are allowing debt collectors too many wrongful acts of harassment
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to lift the freeze I placed on my Equifax credit report several years ago. When I tried to do this through Equifax 's website, https : //www.equifax.com/personal/credit-report-services/credit-freeze/, I got an error message saying that it could not be doon. 

I then called Equifax at XXXX XXXX  ( today, XX/XX/16 XXXX to temporarily lift my credit freeze. The phone system didn't allow me to do it. When I reached an agent they told me that my account was locked and I needed to wait two hours. 

When I called back later ( XXXX XXXX  on XX/XX/16 ), the phone system once again didn't allow me to lift it. I asked for a human operator to call me back. When they did, the operator told me that I needed to fax scans of my ID to them, wait 3-5 business days, and then re-try the process. 

According to https : //www.consumer.ftc.gov/articles/0497-credit-freeze-faqs and https : //www.consumer.ftc.gov/blog/2018/09/free-credit-freezes-are-here I should be able to lift my freeze in one hour online or by phone, or in three days by mail. In this case, none of those options are working in the described times. 

This is frustrating for me because I'm applying for a home mortgage and this means I am unable to make offers on a home I'm interested in.
Product: Credit reporting or other personal consumer reports

My account with 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 in 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 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

My long standing account with XXXX is not being reported on my transunion and XXXX consumer credit reports.Attached is my XXXX consumer report and a recent XXXX bill. This is negatively affecting my personal credit score.
Product: Credit card

We were denied credit and the bank said there is an American Express collection on our credit reports. There are XXXX account numbers listed for XXXX collection. We made another complaint and the response had NOTHING to do with our request. Please publish this issue as its unacceptable to not respond correctly. We are currently seeking other avenues to complain as well. We need either a XXXX or a payoff to remedy this debt. American Express can not ignore, legally, this request. Numerous calls to American Express have been futile as their call center is in XXXX and they can not pull up information or send information needed. We have also emailed the corporate office and will make a complaint with the department of corporations as that office has not responded. Calls to the corporate office are also futile. The XXXX account numbers end in XXXX and XXXX. Not sure what this means? This is affecting our ability to borrow money and the fact that American Express does not respond appropriately is not allowed by law as we have requested via phone and email and will send a letter today to their corporate office so also by mail as of XX/XX/XXXX ( today ) a response that is valid to satisfy this debt on credit.
Product: Mortgage

Wells Fargo continues to post my principal payments through their website to standard payments. In addition they sometimes leave money for escrow or principal in my stanard payments in limbo until I discover the issue and have to contact them. I have contacted them over 4 times regarding this issue and was told they will open tickets and get the site fixed. This has not happened. I will be contacting them today to have another ticket entered to fix the {$1600.00} principal payment fixed.
Product: Checking or savings account

Chime Still a balance a balance almost XXXX dollars On a new account I do not have They open a chime account they too my personal information
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX reported a 30 days late payment for the month of XX/XX/XXXX. The payment due date was XX/XX/XXXX. I made a payment on XX/XX/XXXX.
Product: Debt collection

I have a federal student loan and I'm making payments of about {$700.00} per month. They're charging interest at the original rate of 9 %, which works out to about {$150.00} per month. It's my understanding that interest should not be accruing due to presidential orders. Navient has charged me a total of {$2700.00} in what I believe to be illegally obtained interest since XXXX of 2020. They are taking the position that my federal student loan doesn't qualify for the national, president-ordered interest rate pause. 

Please publish this. One way or the other, people should know.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below companys have reported my account as past due for 60 days when payments had been done timely, credit one has reversed one and acknowledge it was their mistake but have failed to remove second one while XXXX XXXX has not done anything to address this matter. 


XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was contact by Bank of America Thank you for contacting Regulatory Complaints of Bank of America. As your Resolution Specialist I welcome the opportunity to address your concerns. 
I am your point of contact until this matter is resolved. 
Please contact me at the below telephone number at your earliest convenience to confirm that you are the party who engaged the Consumer Financial Protection Bureau ( CFPB ). My days and hours of operation are Monday through Friday, XXXX XXXX. 
Please note that we will be providing our response to your concerns in writing via a secured email or standard mail. Please follow instructions in that email to access our response. If you need additional assistance, please contact me at the number below and I or XXXX of my colleagues will return your call within XXXX hours. 

Thank you, XXXX XXXX Resolution Specialist Regulatory ComplainXXXX Bank of America XXXX XXXX XXXX XXXX - XXXX I have left serval messages email as well no answer or response my right been voilated and XXXX having hardship with bank of america allowed the situration linger for over a year. Not take proper action to fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting 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 : //www.ftc.gov to file a report and Per FCRA section 605b Experian and TransUnion are required to remove any item 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 is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) XXXX and TransUnion 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: Credit reporting or other personal consumer reports

I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$270.00} ; XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$20000.00}, {$1100.00}, {$2100.00}, {$6300.00}, {$2800.00}, {$12000.00}, {$7700.00}, {$1700.00}, {$5700.00}, {$0.00}, {$860.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened onXX/XX/XXXX, XXXX with a balance of {$1100.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$2100.00} -This is not my account. 

4.XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

5.XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 

6.XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

7.XX/XX/DSNB with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXXXXX, XXXX with a balance of {$1700.00} -This is not my account. 

9. XX/XX/DSNB with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- PERSONAL LOAN 10. XX/XX/XXXX IN with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX ACCOUNT 11. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$860.00} -This is not my account.
Product: Credit card or prepaid card

Chase credit card claims trip insurance. My claim fully qualifies in all ways to this policy. The claim is handled by XXXX XXXX XXXX  ( XXXX ). 

They require an extraordinary amount of document, all of which I provided. I went back and forth with them 5 times from XX/XX/XXXX to XXXX of XXXX. 

When I finally submitted all of the required documents, they started asking me for the same documents that I already provided. 

Clearly they have no interest in honoring this policy. 

I have notified Chase of this problem to no avail. 

Should check the number of times this company actually pays customers back. Whether or not Chase is unaware of this is unknown to me, but they're not helping.