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

Since XX/XX/2024, XXXX has been reporting that home equity loan has been paid 30 days late. It has definitely not. The payment due date is the XXXX. While the loan has been paid late, it has NEVER been 30 days late. The servicer DOES NOT give credit on the dates payments have been made. When payments are made at the branch, it takes XXXX days to update on the servicer 's system. Proof of payments are attached. Additionally, a dispute was submitted in writing on XX/XX/XXXX. On XX/XX/XXXX, XXXX sent a letter requesting an additional 15 days. It is now XX/XX/XXXX and there has not been a resolution or disclosure of their findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft and just found out that a company named Trojan Professional services has been reporting this account on my credit that i never authorized. I have never given permission for them to obtain my personal information like my social security number or personal address. I have stated this to XXXX  on XX/XX/2020. I have sent them my valid FTC report as well as police report to support my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anyone. '' The data furnisher XXXX XXXX can not verify the bankruptcy either. So if thats the case How did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 


They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax 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 MTR Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax 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 within the XXXX grace period : My payment was made on time, which is within Toyotas XXXX grace period. The payment was not late and should not have been reported as 30 days overdue. 
Clerical error by XXXX XXXX XXXX XXXX : My payment was processed on time, but due to a clerical error by XXXX XXXX XXXX XXXX, it was incorrectly reported as late. This error has caused inaccurate reporting across all three credit bureaus. 
Evidence provided : I have attached bank statements and payment confirmations showing that the payment was made on time, well within the allowed grace period. This clearly demonstrates that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX, a division of Experian, is reporting my motor vehicle as having been in an accident in XX/XX/XXXX in  California. My car left California in XX/XX/XXXX and has never been back. I believe its a mis-entry, and should be the removal of a lien on the vehicle. Experian does not allow for a way to dispute the accuracy of the incorrect information. Here is the incorrect info : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Event Date is date reported to XXXX I am trying to sell the vehicle now but have been unable to do so because of this entry. Its has decreased the value {$7000.00} on valuations.
Product: Mortgage

Summary of DisputeNationstar Mortgage reported me XXXX days late for my XXXX XXXX payment. I disputed this with them for roughly a year, back and forth, including multiple complaints to the CFPB, XXXX, Congress, and the TX state Attorney General 's office. Ultimately, I received a written letter promising they would remove the negative mark. I verified they did this in XXXX of XXXX ; however, they began reporting XXXX XXXX being XXXX days late again starting in XX/XX/XXXX/XX/XX/XXXX. I requested they fix their error and forwarded them their letter indicating they would remove the mark. They instead sent me a different letter stating they would no longer correct it. 

Necessary ResolutionBased on the letter I received, they have stated in writing they would reverse the negative mark, I am requesting the XXXX day late payment from XXXX XXXX be stricken from my credit history. I have provided the letter they sent me promising to correct the negative mark as additional evidence for my dispute and resolution.
Product: Debt collection

I received XXXX bills of owing a debt, but I have insurance and had insurance during the time of treatment and well after I called a few times and was told the debt was waiting for approval of payment.. 
XXXX debt was taken care of because I called XXXX XXXX after a notice in the mail and called my insurance company on XXXX way of which I should not have had to do. 

I asked about the other debt in the amount of XXXX and was told it should be taken care of and they are waiting on my insurance company to pay it.. 
I have not got ta a phone call A letter. Or any other type of attempt to collect this debt from XXXX. I only got a letter stating that it was in collections. 
I have provided my insurance information on every call I have made to XXXX XXXX I assumed it was take care of since I had not heard anything for months. 
This is unprofessional and unfair The lack of communication between them and the insurance company is not my fault and they are causing me a great inconvenience as I am trying to transition financially to be able to qualify for certain things coming up soon. 

This needs to resolved and XXXX XXXX  needs to take the proper action to resolve this matter instead of sitting and waiting on the insurance company. 

It is clear no efforts have been made to confirm my insurance. 

And again, nor was I notified that this was not taken care of How is it XXXX bill was taken care of, but the other bill which was a continuation of of the first bill Again instead of calling me or sending notice No efforts were made other than waiting They made no attempt to follow up with my insurance company Instead they sent it to collections which is incorrect since I had coverage
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital one 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 ino 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 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

In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting 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. 

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 XXXX 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 XXXX 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

this car loan has been closed since XX/XX/2020, and it was also sent to auction and sold satisfying the loan, I also had gap insurance on the vehicle. this car is still reporting on my credit profile as if i still have this car in my possession. I do not.
Product: Money transfer, virtual currency, or money service

hello, paypal. 

i just need transfer the remain balance to my bank account ending on XXXX XXXX. 
i made couple withdraw due to my limitation was place from the last year. 

My limitation was place on XXXX from XXXX already past 180 days ... .... 
i just need help for enable withdraw option please. 

i just want my money be release please XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax DID NOT address my complaint XXXX. Mailing a credit report does not help remove incorrect information that I mentioned in my complaint with proof that it should be removed and that part of my complaint was completely ignored I am being charged higher interest rates and all these games are delaying the removal!
Product: Mortgage

My mortgage is serviced by LoanCare. My house initially had PMI, but I sent a request on XXXX XXXX, XXXX requesting PMI termination. My house was then appraised by an appraiser they sent and found to be below 80 % LTV so the appraiser recommended to LoanCare that PMI be removed. I received no confirmation, but assumed it had been done. I noticed looking at my yearly mortgage statement in XXXX XXXX, that I was still paying PMI. I sent a letter again asking why it had not been removed. I received a response saying my PMI would be cancelled. When I looked at my yearly mortgage statement for XXXX, I found out I was STILL paying PMI. LoanCare has not done anything about its removal after several requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not sent out the results of my inquiry disputes as of yet I need the results mailed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has my birth year as XXXX but I was born in XXXX. I have disputed this four times and it still hasn't been resolved. When I apply for credit and/or online banking, they say that they can not verify my identity. No one answers the phone when I call. They have an option to upload documents but it is inactive ( at least for me ). 

I have, also, disputed a collection ( 4 times ) on all of my credit reports. I paid it off. They said the investigation would take about 30 days but they come back after 5 days stating that the debt is accurate. The collection was removed from my reports. Then, put back. I feel like they are intentionally destroying my efforts to restore my credit. 

My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX, MD XXXX Birthrate is XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint as my right under FCRA law and fair credit and billings act have been violated for this account XXXX XXXX XXXX {$8300.00} Account number XXXX. I am requesting all XXXX credit bureaus to provide full validation and what give them the right to collect on this account? I have made numerous attempts to resolve this issue by certified mail. There are numerous discrepancies on all XXXX bureaus as I see # of months for all three bureaus report to be different. Please provide better explanation and proof so I can timely take care of. Additionally, I see this account as having a charge off so the balance is not accurate. As per FRCA law, all information must be accurate, no errors and verifiable. This is lacking in all XXXX  areas.
Product: Credit reporting or other personal consumer reports

I eagerly anticipate receiving positive deletion updates within the next 15 days. My sincere expectation is that the majority, if not all, of the fraudulent items listed in my complaint dated XX/XX/XXXX will be expeditiously removed. To ensure the realization of these deletions, I am submitting this complaint as a follow-up to my recent ones. Additionally, I am re-attaching my FTC report with reference numbers # XXXX and # XXXX. I earnestly request the prompt removal of the listed fraudulent items from my credit reports : -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX -- -- -- -- -- TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 signed affidavit to Experian and it was ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft and I provided everything the ask of more than once. The only thing they did was close the accounts that they still have opened. I have provided my statement, My police report, my report from the FTC and my Identity theft affidavit. I also submitted proof of my identity twice. I feel like im being victimize all over again this has been a nightmare for me. this started in XXXX  when someone use my bank information to purchase some phones in a store in Arizona while I was in XXXX and my debit card was still in my purse a week before my sons birthday. All I want is these fraudulent accounts and address off my credit report. I was turned down for jobs all kind of stuff because of this nightmare. Its not ok for them to treat people like this. I will attach the copies of the letters I sent to them along with all my reports and proof of Identity. 
also here are my tracking numbers from the letters I have sent XXXX  : XXXX and XXXX XXXX  : XXXX and XXXX equifax : XXXX and XXXX Please help me get this resolved. this is ruining my life and I requested a fraud alert and freeze because of this and equifax asked for my Identity information again after I already sent it twice.
Product: Credit card

I went to XXXX XXXX for a promotional treatment. After treatment, they were not letting me pay for the service that I had and were forcing me to sign up for additional services I declined it but they still kept pushing me and pressuring me to the core. I said let me ask my XXXX they were not letting me call him saying he would not let you sign up for it. They said if I don't like the service I can ask to cancel it I just have to fill out a form and they will do the refund. With service, they said they were giving me complimentary products some creams, and a XXXX massager for free. Since they didn't have a neck massager they said when I would come back for treatment they would give me then. I never gave them my Driver 's license and they signed me up for Care credit service when they gave me the receipt, the receipt was made for the products ( free products ) and not for the services. When I asked why for products and not for the services, they said they could not give bills for services because the credit card company would ask for a brief description of the service ( some excuse ). I even told them but I see you wrote products are not refundable they said it's for people who only buy products. They even charged {$1000.00} for the neck machine I never got. They made me sign a simple form for a Care credit charge and I left. The next day I went to do the return because I realized I was forced to sign up. The lady over there is asking for my driver 's license I wondered why you want my license now and why not when you signed me up for the services. She said it's our policy. She said please fill out this form and we will let you know about your refund. After a few days when I pushed them for return, the lady sent me a notarized receipt written " Non Refundable '' with my driver 's license on it. I was shocked to see it because when they made me sign up nothing was written I didn't even give them my driver 's license and no notary was done then. These people are frauds and they scammed me big time giving me false information while forcefully signing me up for their services. I called Synchrony Care Credit Card company about the fraud they said it is not a fraud because we see your signature and your driver 's license ( which I didn't give them while signing up ). They directed me to the dispute department and I opened 2 disputes which they closed without explaining. I even submitted a police complaint and an XXXX fraud complaint. Still, they didn't resolve the dispute and didn't remove the charges. I request you to please look into this as it has tremendously affected my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to correct some of the erroneous items in my credit file ; however, there are still many items that need to be corrected and updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

With all due respect Under the Fair Debt Collections Practices Act ( FDCPA ), public laws 95-109 and 99-361, I formally notified Hunter Warfield to cease all communication with me regarding th debt for this account and any other debts that they have purported that I owe. I mailed Hunter Warfield a cease letter asking to not call me and on XX/XX/2023 at XXXX as I was entering my place of work. The agent was for one rude demanding money after I have clearly stated that I mailed a cease letter. Oblivious to what I was saying to her she tried to keep me on the line asking for money. As a consumer I have and know my rights and harassing me this time of morning has caused me great XXXX prior to work not to mention being late and nearly loosing my job. This is unacceptable for a company to go against policy and procedures. I clearly stated to cease all contact as they also should have my letter by mail. If I loose my job because of this I will contact the FTC and XXXX  and file a complaint against this company for harassment. This is against the law to do this to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax sent my information in a data breach to millions of people which compromise my information being misused I currently am on the dark web and I can't get out I have suffered many consequences from this and all they offer me is protection which is already destroyed.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for days but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal I have to pay bills I received my Benefits there and Im having trouble withdrawing them I have to pay rent. This is not only happening to me but a lot of people i dont know whats the purpose on doing this when I verified my identity. My email linked to my PayPal is XXXX XXXX