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 Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX 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 Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by 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 Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX keep calling both my home phone and cell phone. 
I have no outstanding debts with anyone. 
I feel they are harrassing me and they keep leaving messages that it's " in my best interest to call them. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate and false information. I have requested for them to remove these accounts because by law they must remove it if it is inaccurate. They all have wrong address, phone number, and incomplete name. I have never applied for these false accounts. I will list the false accounts " XXXX BANK DELAWARE, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX is reporting inaccurate and false information. I have requested for them to remove these accounts because by law they must remove it if it is inaccurate. They all have wrong address, phone number, and incomplete name. I have never applied for these false accounts. I will list the false accounts " XXXX BANK DELAWARE, XXXX XXXX XXXX, XXXX, XXXX XXXX BANK XXXX Transunion is reporting inaccurate and false information. I have requested for them to remove these accounts because by law they must remove it if it is inaccurate. They all have wrong address, phone number, and incomplete name. I have never applied for these false accounts. I will list the false accounts " XXXX
Product: Mortgage

My husband and I applied at Lending Force LLC for a refinance XX/XX/year>. When the initial loan documents came through for us to sign the information on the documentation was incorrect. I reached out to the Loan officer and advised her the documents were different than what we discussed. We did not sign those documents. The next documents came in and they had me and the veteran and my husband as the borrow, I again advised that this is incorrect as my husband was the veteran were then told it would be fine only for us later on to have to resign these documents. During this whole process we were asked to provide multiple documentations and we submitted every request. When it was time for the closing disclosures were were sent someone else 's documentation that lived in South Carolina and we live in XXXX XXXX. The notary finally got our documentation and that is when we found out we had received the wrong one earlier that day. I called XXXX XXXX as the amount that was finally amount that was supposed to be deposited in our account was different than what I saw earlier that day. That's how we found out that we were sent the wrong documents earlier. We finally ended up signing the correct loan documentation until XXXX XX/XX/year>. We were told that Lending Force LLC sends us the checks already paid out to the debtors and we just have to mail them. On Monday, XX/XX/year> the check arrived via XXXX. We looked at the checks and I noticed that only my husband 's name was on the checks as a reference not my name. I included my account numbers and my statements on all the debts. On Tuesday, XX/XX/year> I mailed all the checks and went to XXXX to pay the debts.I had to explain that my husbands name is on there but we did a refi and this was for my credit card and loan payment. It was no issued the payment was processed I got my receipt. My husband went to XXXX on Wednesday, XX/XX/year> to pay on his loan with the check that was provided. He got his receipt. On Friday, XX/XX/year>, I login to check my XXXX  account to make sure that the balances were zeroed out and I see that both of the payments that were made on my credit card and loan were reversed and charges were deducted from my account. I called XXXX and the rep said the checks were returned and to call the issuer. I reached out XXXX and told him what happened and that I have mailed all the other checks, why are the checks not clearing. Now my husband did this whole refi for what b/c now we are incurring my charges. I expressed my frustration and concerns to be told they will issue more checks. I do not wish to have more checks issued only to end up in this same situation again. I asked if they could wire the monies to the lenders and was told no they can't. As of XXXX XX/XX/year> there has been no resolution. This has been both unprofessional and inconvenient for my husband and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 'S DEPARTMENT STORE HAS REPORTED MULTIPLE LATES ON XX/XX/XXXX AND XX/XX/XXXX. I ASKED FOR THE INACCURACIES TO BE REMOVED AND THEY HAVE NOT PROVIDED ANY PROOF OR CORRESPONDENCE. I CONTACTED THE CREDIT AGENCIES AND HAVEN'T RECEIVED A RESPONSE WITHIN 30 DAYS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Balance : {$0.00} XXXX  LENDING LLC XXXX Balance : {$18.00} XXXX  CREDIT XX/XX/2022 XXXX XX/XX/2022
Product: Debt collection

Spoke with an individual at Portfolio Recovery and XXXX credit bureau requesting validation of debt and purchase agreements to accurately verify that this debt belonged to me and both refused to do so. I am requesting that the following is permanently and immediately deleted : Portfolio Recovery : {$1500.00} Opened XX/XX/XXXXXXXX  Portfolio Recovery : {$330.00} Opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and fix from erroneous reporting in my file are listed on my credit report : XXXX  XX/XX/2021 US SM BUS ADMIN ODA XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

For the record, Im the one whos initiating the disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

In your previous correspondence you mentioned that my identity theft report needed to be filed with a law enforcement agency which subjects to criminal prosecution. One of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A law enforcement agency. My FTC Report # is XXXX. I dont think you have reviewed the documents submitted & are sending me frivolous boiler plate responses to deflect from your responsibility to comply with FCRA laws. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here are the list of items which are UNKNOWN to me & impacting my privacy : XXXXXX/XX/XXXXXXXX, XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Member ID : XXXX I use Experian to monitor my credit ( FICO ) over the weekend of XX/XX/XXXX through XX/XX/XXXX shows a 22 point drop in my score when I have not used my credit, since XXXX of XXXX, when contacted Experian via email only, ( NO ANSWER WHEN CALLED ) their response was ( see below ), None apply to my concern? Confused that it will show past account information but can not explain why it dropped if their business is credit monitoring? 
I looked at another credit monitoring app that I also have and it showed my FICO had not changed? One would expect Experian to give a detailed explanation as to why it dropped 22 points, not just a blanket statement XXXX22 points is quite a huge drop as I am concerned that it may be identity fraud? 

" Valued Customer : '' Thank you for contacting Experian. Since we are not licensed credit advisors, we can not attempt to explain exactly why your score changed. Still, we would like to provide some information you may find helpful. 

Credit scores can change as information on your credit report is updated. Here are some of the most common reasons why scores may have gone down : A delinquent payment was reported Your credit card balances have climbed An account was opened or closed Youve recently applied for new credit An account on your credit report has aged off Credit scores are calculated based on the information in your credit report. Please note that credit scores can vary depending on the scoring model used ( examples : FICO or VantageScore ). Additionally, credit scores can vary based on which credit reporting agency supplied the report. The score is based on your report and creditors are not required to report to all credit bureaus. The three major consumer credit reporting agencies in the U.S. are Experian, XXXX  and XXXX. Experian memberships utilize Experian credit reports and the FICO Score 8 model. 

The primary factors that determine a persons FICO credit score are : 35 % based on payment history 30 % based on amount of credit utilization 15 % based on the length of your credit history 10 % based on hard credit inquiries 10 % based on types of credit ( revolving, installment, etc. ) You may learn more about credit at https : //www.experian.com/blogs/ask-experian/ Sincerely, Your Team at Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

unknown and inaccurate information on my chex sytstems reports dating back from XX/XX/XXXX to XXXX that are reporting judgement 's against me from opening bank accounts and getting loans from financial institutions.False accusations that i have no knowledge or consent.
Product: Credit card or prepaid card

I have a personal checking account with JP Morgan Chase. One day I opened my Chase app and on the front page with my account information I received a message saying I had been " pre-approved for a Chase Freedom credit card. '' I thought it was just a marketing notice and looked for an asterisk or symbol denoting there were conditions or a notice saying " pending a credit check, etc. '' But none of those denotations accompanied the notification on my app so I completed the shortened application process ( because the notice said I was PRE-APPROVED ) and waited to receive notification regarding the amount of my credit limit and when I would receive the card. Instead, I received a rejection letter ( no credit card ), a hard inquiry on my credit report which dinged my score and dropped it substantively. I NEVER would have applied for the card had it not said I was already pre-approved. And now this hard inquiry will remain on my credit report lowering my score.
Product: Debt collection

Certified mail : XXXX has been stuck in transit since XX/XX/2023. This CM is demand for removal of invalidated alleged debt account numbers : XXXX XX/XX/2023 XXXX responded with contact person XXXX XXXX XXXX operations manager to CFPB compliant XXXX. The company will be stopping inaccurate reporting to all three credit reporting companies.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App fail to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit card

I have XXXX capital one credit cards that have put on restricted status. Ive called numerous times to find out what 's going on all I 'm told is that its pending fraud no explanation no notification that this was being done and told they do not have a time limit on how long the hold will be.
Product: Debt collection

Garner & Conner PLLC Attorneys At Law ( they do not advertise as a debt collector ) located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tennessee XXXX. Phone number XXXX https : //www.garnerconner.com/ My Last communication was in XX/XX/XXXX and since that time have garnished my checking account as of XX/XX/XXXX and left me with no money to pay my bills. I called the number my bank provided me and had to leave a message but got no return call. Around the time of the last communication I hired an attorney to have the matter dismissed " with prejudice ''. This attempt to collect an old debt that has been charged off should be made illegal. Particularly that they can have the matter " legally '' bound by court that they can wipe out your entire bank account so that you can not pay your bills. I have all my documentation for this issue.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I filed XXXX XXXX bankruptcy. I had gone through a rough divorce and my pay had been significantly cut due to a change in employment. I stopped payments on the accounts that I had filed XXXX XXXX bankruptcy on. Obviously this resulted in late payment reports on my credit reports. Fast forward to XXXX and Randolph Brooks Federal Credit Union had continued to report my payments as late even though my discharge was official in XXXX of XXXX. I contacted RBFCU in XXXX of XXXX when I noticed I kept having accounts reporting as late payments. They were able to stop the reporting and corrected the late payments but it now shows on 2 of my reports that my last late payment was 10-11 months ago and the other shows 2.5 years ago. Also they show that in XXXX all accounts were " charged off as of XX/XX/XXXX and XX/XX/XXXX '' as per my documents attached. This is incorrect. XXXX was over 4 years ago so this is an error. The Charge off/ Included in bankruptcy should have been in XXXX not XXXX. Not only that, the way it is reported, I have been denied loans. The denials stemmed from a recent bankruptcy. When I followed up on this, I was told it was being reported that I filed bankruptcy in XXXX of XXXX. That isn't true and it is negatively effecting my credit. I own up to my bankruptcy in XXXX but that was the last time I have made a late payment. I have worked hard to keep myself out of the position I found myself in and find it very disappointing I have to jump through so many hoops to get this corrected. This is very negligent and shows the lack of checks and balances in our credit reporting process.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last six months, I've been disputing a 30 and 60 day late that is on my credit report with Experian and XXXX XXXX. XXXX XXXX XXXX has sent two updates to delete the inaccurate information and update, I have sent numerous investigation requests online, spent hours on the phone being bounced around to their offshore departments that have been denied and even uploading the letter from XXXX XXXX XXXX. Help.
Product: Credit card or prepaid card

I had a promotional offer that expired during my XXXX XXXX billing cycle. I paid the balance in full on the XXXX billing statement due date. Chase charged me {$27.00} in interest despite that I paid the balance in full. They indicated it was because the promotion expired on XXXX XXXX, XXXX and I paid the balance on the statement due date that was XXXX XXXX, XXXX. It was not stated on the statement that I need to pay off the promotional balance by XXXX XXXX vs on the statement due date. If it was it was not apparent. Chase could clearly see that I paid the balance off in full and should not have charged me the interest. They need to have more clear disclosures on the statemen that the balance needs to be paid by the end of the promotion period to avoid interest charges. This is a change from prior promotional offers I have done which have always been on the statement due date. Also I want to ensure that this will not be negatively impacted on my credit report.
Product: Checking or savings account

Re : Consumer ID # : XXXX Date of Dispute : XX/XX/2023 Dear XXXX and Consumer Relations Dept, This is my second dispute of an inaccurate record in my XXXX report regarding a US Bank checking account. I am unaware of having a negative balance with this banking institution. 

I recently received a second copy of my XXXX report and discovered that it contains information suggesting an outstanding negative balance with US Bank. 

However, no documentation was provided to substantiate these claims. 

Your investigation into my first dispute did not provide me with any written documentation of this account. In light of this discrepancy, I kindly request that you provide me with the following documentation to substantiate the existence of this account : A copy of the account application or contract, if applicable, bearing my signature. 
Any relevant account statements, transaction records, or correspondence related to this account. 
In the absence of any such documentation, I ask that this information be immediately deleted from the records you maintain under my Social Security number and provide an updated report.