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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion 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 XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX 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 was made within the 15-day grace period : According to my payment records, I made the payment on XX/XX/XXXX, which is well within the creditor 's 15-day grace period. The payment was not 30 days late as reported. 
Clerical error by the creditor : There appears to have been a clerical error in the way XXXX XXXX XXXX processed my payment for XX/XX/XXXX. I provided documentation showing that the payment was deducted from my account on XX/XX/XXXX, well before the 30-day late period.

Evidence Provided : I have attached bank statements, payment confirmation emails, and records from XXXX XXXX XXXX proving that the payment was processed on time and that no 30-day delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I became delinquent with a business credit card account with XXXX XXXX. XXXX XXXX reported my delinquency with the three major credit bureaus ( Experian, XXXX, XXXX ). They also hired a collection agency to collect the debt. I reached a settlement agreement with the agency and paid the agreed amount in full per the contract. As soon as I paid the full settlement amount, that is when all my problems began. It has been a nightmare of process that is still ongoing and has severely hindered my ability to get credit and financing ... things that I rely on and need both personally and for my business. In short, as soon as the settlement was paid, all three bureaus reported incorrect dates on my personal reports essentially " re-aging '' my debt. The issue solely stems from the DOFD or " Date of First Delinquency ''. The correct date of the First Delinquency is XX/XX/XXXX. Currently, all three of the credit bureaus have different dates listed for that delinquency. The most damaging is Experian, who has the First Delinquency date of XX/XX/XXXX. They also removed all the history of the XXXX XXXX account with an exception of one date ... that being XX/XX/XXXX. Please note that I personally contacted XXXX XXXX and they have CONFIRMED the First Date of Delinquency as XX/XX/XXXX. Now, after the confirmation with XXXX XXXX, I sent registered letters to all three bureaus TWICE to dispute the incorrect information. The first was in XX/XX/XXXX ( as soon as the saw the drastic change in my report and massive drop in my credit score ). All three bureaus responded with letters stating that the account was " updated ''. However, nothing was updated in all three reports. I then sent the SECOND set of registered letters to all three bureaus in XX/XX/XXXX stating the information I provided to them was verified by the creditor ( XXXX ). Additionally, I asked them all to please tell me how they were able to " update '' or " verify '' the account. I also stated that because they all have the information incorrectly reported, even after my disputes, BY LAW and the FCRA, they must delete the entire account since they can not get it correct. Unfortunately, I received the SAME EXACT RESPONSES from ALL THREE OF THE BUREAUS with no change to my report. They just sent me generic letters with absolutely no answers whatsoever. As it stands today, my personal report is still incorrect and even more frustrating, all three bureaus have different information for the same XXXX XXXX account. The entire process has been a nightmare and has wrecked me both financially and mentally. I DO NOT know what to do at this point. I hope that the government will assist me in this matter.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, the Credit Bureau has dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the account : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 

1. Company Name : XXXX XXXX  XXXX  Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX  Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX  Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX  XXXX  Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Product: Credit reporting or other personal consumer reports

In accordance with XXXX XXXX XXXX and XXXX Account # 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 an account without my written instructions. 

Account and Account Numbers listed below 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 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
Product: Student loan

AES have violated my right under the Family educational rights and privacy act of 1974 and the family educational and privacy right.20 U.S. CODE 1232G SECTION B. It prohibits educational institutions from disclosing personally identifiable information in education records without the written consent of an eligible student, or if the student is a minor, the students parents.

I have never gave AES permission. When a rep called me on XX/XX/XXXX they refused to talk to me about how they have violated my rights under federal law which I have a ( voice recording o ) f. They also Changed my name with the Credit reporting agencies such as XXXX who told me that AES are the ones who changed my name. The name they have given me is XXXX XXXX XXXX That has never been my name. I don't have a middle name. This is a deformation of charter as well as the my right to privacy UNDER. 6802. Obligations with respect to disclosures of personal information. In accordance with the fair credit act, this creditor has violated my rights. Under 15 usc 1681 section 602 states I Also have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 it also states consumer reporting agency can not furnish an account without my written instructions. FCRA SECTION 623 AND REGULATION states " that furnisher must not furnish inaccurate consumer information They broke that law when they changed and reported my name as XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I went to use my credit and was told that it showed I owed Child Support Payments. I called XXXX, XXXX and Equifax to inform them that there was incorrect information and was told to send in a dispute. I do not know how this happened as I make all my payments and this incorrect reporting is affecting me growing my finances. I am providing proof of my child support payments that are automatically taking out of my paycheck weekly.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - XXXX No knowledge of this account
Product: Student loan

In XX/XX/XXXX, I entered into repayment for my federal student loans, totaling approximately {$92000.00}. During my initial contact with Sallie Mae/Navient , I was offered a standard repayment plan, which I accepted without being informed about potentially more affordable options. 

In XX/XX/XXXX, I encountered financial difficulties due to job loss. Seeking assistance, I reached out to Navient to inquire about more manageable repayment plans. During this conversation, Navient representatives encouraged me to enroll in a more expensive repayment plan instead of discussing income-driven options that would have suited my financial circumstances better. 

Timeline of Events : - XX/XX/XXXX : Entered repayment for federal student loans amounting to {$92000.00}. Offered and accepted standard repayment plan. 

- XX/XX/XXXX : Contacted Navient due to financial hardship. Requested information on more affordable repayment options. Representatives did not provide adequate guidance and instead recommended a higher-cost repayment plan. 

- XX/XX/XXXX- ( Still requesting for help of this year ) : I continued to communicate with Navient on multiple occasions, specifically requesting details about income-driven repayment plans and potential alternatives. However, I consistently received vague responses and pressure to remain in more expensive plans ( Please request the call record on how many times I called ). 

Actions Taken : 1. Contacted Navient multiple times seeking to lower my repayment amount ( dates of each contact ). 
2. Requested information on income-driven repayment plans and alternative options years of XXXX - XXXX. 
3. Documented all conversations including the names of representatives and the exact information provided to me ( I don't have the rep numbers ). 

Summary : Due to the lack of transparent communication and guidance from Navient, I was guided into more expensive repayment plans, which exacerbated my financial situation. I believe these practices warrant a thorough review and request assistance in resolving my current student loan burden.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.

S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

XXXX, XXXX, and Equifax are reporting a credit account from XXXX XXXX  that does not belong to me. This account and balance do not belong to me, and I have sent documentation multiple times. It is fraud and identity theft, and they have not resolved this matter within the allowable 30 days. I have also sent all identity theft and fraud reports, along with a letter from XXXX XXXX  advising them to remove this account.
Product: Vehicle loan or lease

I have made several attempts at trying to contact and get the copy of the car loan title from BMO Harris bank, to register my car in the state of Georgia. The state of Georgia will not register the car without it. I make my payments, Ive updated my address, called several times and each time they say its processing with false promises. Its been frustrating how I pay my payments and they cant provide this document for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtain a copy of my credit report and notice and noticed both credit reporting agencies are reporting wrong inquiries on my report. experian and XXXX have not cleared the inquiries or wrote me. To tell do the room.
Product: Credit card or prepaid card

Order XXXX frozen authorization scam. On XX/XX/23 XXXX placed a {$48.00} authorization hold on my Walmart Capital One credit card, with final charge at {$44.00} for grocery delivery. Instead of using charge to replace authorization as promised, Walmart double dipped essentially freezing {$92.00} for a {$45.00} purchase!!!!!!!!!!!! Capital One & Walmart robbed me & sent me to each other. Both companies extended purchase date to XX/XX/23 in a fraudulent attempt to make correction go beyond statement closing date of XX/XX/23 to falsely generate over the limit fees.
Product: Credit card

Examine the documents attached. I request the bureau to launch an inquiry into the accounts that wrongly depict me as late, even though I have been punctual with payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I repeatedly provided PROOF from DCS that shows that all accounts are closed. XXXX, Experian and XXXX continues to tell me that the creditor shows and account open. Why are the credit bureaus are violating to FCRA? I have the documents proving that this account is closed. I paid all accounts off in XX/XX/2022 and DCS/XXXX provided me with proof that these accounts are truly settled. My credit report show that it is open and that the creditor verified that it is so. NOT true. These bureaus are not looking at my documents because if they were they would know that these account are closed
Product: Vehicle loan or lease

I been having trouble lately with the payments I asked could they please service the loan make payments lower or more time and I been misinformed but they only have me at fault for the matter I made a payment of {$520.00} and i spoke to executive and they have different explanations of why this occurred it was repossessed the next morning after I sent this payment they leave me with no option they say but to pay the XXXX the retrieve my car this is unfair to do this to anybody trying to work thru these times I'm hard working man who is being mistreated I applore u to please but a stop to this aggressive behavior yours truly XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the fraudulent account currently appearing on my credit report. Despite sending you my previous dispute letter and the required documentation to the Federal Trade Commission ( FTC ) as per your requirements, this account is still being reported on my credit report. I have contacted the bank associated with this account, and they have acknowledged the fraudulent nature of this account so the account was already removed from XXXX and XXXX. I have also provided the bank with all necessary documentation to support my claim. Please DELETE these accounts : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

Today XXXX XXXX, my ex husband recieved a debt card in mail stating I had opened an account with this bank. I never did and it is stole identity and fraud. Bank is causing me trouble and not wanting to close the account with me providing my personal identification. I have the card number, account number and routing number due to paper attached to the card. That wasn't enough and they only said I could only be guaranteed verbally.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : File Number XXXX Dear Agent, Thank you for your reply of XX/XX/2018, Attached is all my correspondence with the XXXX XXXX with whom I apparently owe {$2000.00}. As you will see I have offered on numerous occasions to settle the amount owing in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form. 

You will see in my letters dated XX/XX/2018, and XX/XX/2018 that I have repeatedly made these offers. XXXX XXXX on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XX/XX/2018 however as a courtesy I gave them another 10 days to respond which they did not. This settled the matter once and for all on XX/XX/2018. 

I have since been harassed by XXXX XXXX  with whom I have no contractual relationship. However, as a courtesy I have kindly offered these agencies settlement in full on the amount owing upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form which binds myself and this agency. The agency has not offered to accept payment from me on either occasion. 

To date XXXX XXXX, has not made any reference to the original instrument of indebtedness in any of their correspondence. It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially. 

I would appreciate if you would review my documentation and obtain a statement of facts from XXXX XXXX  outlining exactly why they can not produce the original instrument of indebtedness, why they have had their lawyers harass me for a nonexistent debt and why they have referred this non-existent debt to a debt collection agency. 
Thank you very much. 

On behalf of XXXX XXXX XXXX Without recourse By : XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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 XXXXXX/XX/XXXX
Product: Debt collection

In XX/XX/XXXX, I sent in a letter to the law office of Brett M. Borland and XXXX XXXX XXXX and also all 3 credit bureaus in regards to a collection from XXXX XXXX XXXX. The collection is stating that i owe {$1.00}, XXXX. XXXX XXXX is stating that I was evicted in XX/XX/XXXX but my lease agreement clearly states that my lease expired in XX/XX/XXXX. I was no longer living at the residence in XX/XX/XXXX which is why I do not understand why I am being held responsible for rent charges between XX/XX/XXXX to XX/XX/XXXX I have sent in numerous letters asking that the company to verify the charges and explain why the account is listed on my report. I never received a letter from XXXX XXXX XXXX but I did receive a letter back from the office of Brett M. Borland. P.C. The office sent me a copy of my lease agreement. The information listed above can also be seen on the lease agreement and it shows where my lease expired on XX/XX/XXXX. I challenge the accuracy, compliance and reportability of this listing.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX and Experian. 

Please delete the following accounts : XXXX  XXXX XXXX Account Number : XXXX Balance : Balance : {$5400.00} XXXX Account XXXX Balance : {$0.00}