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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represent a very serious error in your reporting. Also, be advised that this is my XXXX time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with XXXX XXXX. As I am sure that you are well aware, current XXXX XXXX XXXX states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely XXXX information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I XXXX is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off. All in all, you have ignored my request to provided me with the XXXX that you have in your XXXX that you used to verify the XXXX accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. This law is as clear as daylight as to the XXXX XXXX and the remedy available to me for XXXX XXXX ( Section 617 ) if you fail to comply with this XXXX Law. I am a XXXX consumer and fully intend on pursuing XXXX in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; AMOUNT IN XXXX XXXX IS ORIGINAL XXXX AMOUNT I will also have your company investigated by the XXXX XXXX XXXX ( see 15 USC 41 , et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the XXXX and the XXXX XXXX XXXX, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX., No. XXXX ( XXXX XXXX XXXX XXXX  ), you may be liable for your XXXX XXXX. Failure to respond satisfactorily within XXXX days of receipt of this XXXX letter will result in a XXXX XXXX action against your company. I will be seeking XXXX in XXXX for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also, I would like an XXXX copy of my credit report once this investigation is complete. Thank you,
Product: Credit reporting or other personal consumer reports

This company continues to report fraudulent information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- XX/XX/18 {$1000.00} XXXX XXXX- XX/XX/18 {$1200.00} XXXX XXXX XXXX-XX/XX/18 {$1800.00} XXXX XXXX  -XX/XX/18 {$3700.00} XXXX/XXXX-XX/XX/18 I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
Product: Vehicle loan or lease

Below is the main body of the letter I sent to XXXX XXXX XXXX to correct their error. 

Time Line : XX/XX/XXXX o Lease begins and throughout the lease term we made payments through automatic withdrawal from our account. 
XX/XX/XXXX o Our mortgage company and I called XXXX XXXX XXXX and on a recorded line and I paid off the remaining balance of our lease. XXXX   employee confirmed on the recorded line that I had paid off our lease term. 
Bank statement to show the payment was made attached o Not only that but you reported to the credit bureaus that we had paid it off as there was a {$0.00} balance due. 
XX/XX/XXXX o We had an automatic payment come out of our account. 
Bank statement to show the payment was made attached o We called XXXX and spoke w/ another employee who informed us it was an error and credited our account back. 
o Credit to our account showed up on XXXX Bank statement to show the refund was made attached XX/XX/XXXX/XX/XX/XXXX o We received a notice that another payment was due. 
o We had called several times during this period and despite XXXX making a clerical error on their end we elected to simply pay the extra payment so that our credit would not be impacted. 

Please understand the time line above is an approximation. Your records should reflect the actual dates as well as your recordings of my phone calls. I had a good faith dispute about the charge you were saying I owed. Despite not agreeing with the charge I made the payment to avoid a negative impact to my credit. I was reassured several times by your employees that my credit was not going to be negatively impacted which I learned was not true. 
Credit is tied to everything we do. My car insurance is more expensive because of bad credit reports, loans are more expensive and more. To say I am disappointed in what you have done to my credit is an understatement. I have worked hard to have my credit be over 800 and have never had any kind of late payment on any account. 

I have also contacted XXXX directly and they have started a dispute electronically with you. I have also contacted the Consumer Financial Protection Bureau ( cfpb ) and filed a formal complaint with them. 
My hope is that you will do the right thing and correct my credit report and that litigation is not necessary. If you look at my file you will see that the above time line is pretty accurate. If you listen to the recordings that I know your company has you will also hear someone who had a legitimate dispute and that even though I disagreed with the final payment I made it as I was told by your company that it was the only way to avoid a negative impact to my credit, which apparently happened anyway. 
In the event you do not correct your error I am putting you on notice by this letter that I will file a lawsuit. As such I would expect all of the notes and recordings and anything else tied to my file be preserved in anticipation of that legal action. 
I appreciate your response to my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never done business with XXXX XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I have a a unverified account from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX, This company has sent out a UDF form please update and delete.XXXX  XXXX XXXX  XXXX # XXXX, This account is a duplicate please delete XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX. I have filed several complaints witout any responses it has been past 30 days. I need all 4 accounts deleted asap.
Product: Credit reporting or other personal consumer reports

It's required by FCRA XXXX that we remove any incorrect accounts from my credit report. Would you please review the documents? Some of the listed accounts are inaccurate in terms of reporting. I should receive XXXX for each inaccurately reported item on my credit file.
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. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian XXXX 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 Date Error : My payments for XXXX and XX/XX/XXXX were made on time. I have provided bank statements and payment confirmation receipts which clearly show that the payment was processed before the due date, but the creditor erroneously marked it as late. 
Technical System Failure : Upon reviewing my account activity, I identified that there was a technical issue with XXXX  XXXX 's payment processing system during that period. This error delayed the application of my payment, though it was sent on time, as confirmed by the confirmation number I received after submitting the payment. 
Clerical Mistake by the Creditor : In addition, it seems that XXXX XXXX applied my payments to the wrong account, causing a delay in crediting my account on time. I have documentation showing that this mistake was recognized internally by XXXX XXXX  customer service. 
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

On XX/XX/2018, The XXXX XXXX XXXX on behalf, XXXX on behalf of XXXX XXXX XXXX   sent me a request of {$5500.00} of credit debt, which I believe was a result of identity theft. 
I have filed the police report and sent the law firm an affidavit describing the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are have supposedly been investigated & re-investigated and they are still inaccurate and some even keep coming off and reappearing, this is ridiculous and I still havent received proof in the mail that a proper investigation or re-investigation was done by law According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below XXXX XXXX account # XXXX. XXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX account # XXXX. PXXXX XXXX XXXX account # XXXX. XXXX XXXX  account # XXXX XXXX XXXX XXXX accounts # XXXX and # XXXX If you cant provide proof by law as listed above, then by law you are required to IMMEDIATELY AND PROMPTLY DELETE THESE ACCOUNTS FROM MY CREDIT REPORT PERMANENTLY
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX - How did you ensure maximum accuracy? 
- How did transunion verify the payment dates and amounts are accurate? 
- delete account I do not want transunion to report this account - update status date - update balance - When was this account opened originally? 
- when was this account closed originally? 
- update monthly payment amount - How much was the payment amount XX/XX/XXXX? 
- How much was the payment amount XX/XX/XXXX? 

- Provide proof showing there was no payment made on XX/XX/XXXX, the report does not show any payment history, this is a violation, provide payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is reporting the account as 1 year and 6 months old. The account is from XXXX and last payment which was supposed to be a settlement pay off was XXXX. The account is passed the statute of limitations for the state the contract originated from. The collection agency is fraudulently reporting the account as newer to keep reporting it on my credit report.
Product: Money transfer, virtual currency, or money service

I used Transfer wise App to send a sum for a friend in XXXX, specifically she used XXXX bank account, almost 15 days ago She could not receive the money in spite she reviewed her bank The man in charge had reported that my bank ( transfer wise ) did not send the money, I gave her the transfer number and that could not help. 
Please I want a method to be sure that she received the sum Thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

These items have been investigated by both the police as well as the credit bureaus and proven to be fraudulent. These items have since been removed from all 3 accounts but is now showing up again on my XXXX  report as well as TransUnion as a closed account. These fraudulent accounts appearing on my report is now harming me from properly utilizing my credit. These items need to be removed and blocked from being able to re-appear on my report at a later date as they are not mine.
Product: Debt collection

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ),  in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with these companies DUE TO THIS BEING fraudulent BECUASE I NEVER HAD ANY BUSINESS WITH XXXX XXXX. and they are not responding and leaving this negative information on my credit report, causing it to hurt my credit score and bring it down. I am in the process of buying a house and this effecting me bad. XXXX XXXX XXXX ACCOUNT IS NOT REPORTING 100 % ACCURATE. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
Product: Debt collection

Just got and owe amount from a employer I use to work for saying I owe a bill I never receive that I owed an amount and its not because I moved because we transferred out mail with us weeks before we moved now I I owed I would paid but I never received anything in the mail and still Havent. But a debt showed up on my credit report thats not right without not receiving the proper documentation. Theres no account number or reason why just sad and Pathetic
Product: Credit reporting

I received my credit report XXXX XXXX, 2015. Prior to me receiving my credit report I was told that my information needed to be updated on my report. While doing that everything seemed okay i was asked if i wanted a report and I said yes. When I received my report there were XXXX collection companies from XXXX different medical companies stating unpaid bills. XXXX of the bills are {$90.00} and the other XXXX are {$35.00} and {$36.00}. All of the bills are coming from cities that I do not live in and from medical centers that I have never been to let alone heard of. I would like for these collection bills to be taken off from credit report because they are not mine and are currently holding me back from doing many things. I am not sure if while updating information something was put in incorrectly and that is why these bills are on my report I just would like them taken off. They have created a negative effect on my credit report and credit score and I would like them removed because they do not belong to me.
Product: Debt collection

Current creditor XXXXXXXX XXXX XXXXXXXX Account # ending in XXXX Agency account # XXXX {$1300.00} Collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX wa XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regard to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.
Product: Mortgage

I went though a Mortgage modification this year on my Mortgage. ACCOUNT # XXXX. I been paying the trail period for the Months of XXXX XXXX and XXXX. I paid XXXX too early and they canceled my Modification because I paid it too early, On XX/XX/XXXX I spoke to representative XXXX and he took the payment. For some reason Roundpoint had but in to cancel my modication because i paid it to early!! so when that happened that but a negative mark on my credit. I spoke to representative by the name of XXXX and she said it would be corrected and my Modication would still go through BUT they made a report to all three credit agencies that I was late over XXXX and they will not remove this comment. I spoke to the following representative on the following dates to correct this. XX/XX/XXXX spoke to XXXX she said it would be corrected, on XX/XX/XXXX spoke to XXXX again, she said my payment for XXXX was too early but they are working on making the correction. On XX/XX/XXXX spoke to XXXX, Om XX/XX/XXXX spoke XXXX, On XX/XX/XXXX I spoke to XXXX and he said they are working on correcting. XX/XX/XXXX spoke to XXXX, ON XX/XX/XXXX spoke to XXXX, XX/XX/XXXX XXXX opened up an disbute again. XX/XX/XXXX, spoke to XXXX, XX/XX/XXXX spoke to XXXX, XX/XX/XXXX spoke to XXXX said the same thing. She said to not call anymore and that it should be cleared by XX/XX/XXXX. All I want is for my credit remarks to be accurate and to reflect I'm not late XXXX on my mortgage. I'm back on track now this negative reporting is affecting my life.
Product: Credit card or prepaid card

We already complained that AMEX had put us on the pay-over-time option on the card against our will. They have been charging interest on the pay-over-time portion of the monthly charges even though we pay in full each time. We had to go online and opt out of the pay-over-time feature, which was done in XXXX. I just received my XXXX bill and they are charging {$1.00} in interest for the pay-over-time option which I have opted OUT of. Their answer for the last complaint was that since I opted out, nothing further was needed. Which is not okay b/c they have taken money from me for this pay over time option which I do not use. Now, my statement shows a {$5000.00} pay-over-time limit, which should not be there since I have opted out and they are charging interest of {$1.00} for nothing! They should be prosecuted.
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist Request Regarding Unauthorized Credit Inquiries Dear LEXUS XXXX XXXX XXXX, I am writing to formally request that you cease and desist from conducting any further inquiries on my credit report without my explicit authorization. My name is XXXX XXXX, and my Social Security Number is # XXXX. 

Upon reviewing my recent credit report, I have identified the following unauthorized or questionable inquiries : Inquiry Date:XXXX Inquiring Party:XXXX  LEXUS XXXX XXXX XXXX, These inquiries were made without my permission and are affecting my credit score and overall financial profile. I request that you take the following actions immediately :
Product: Debt collection

I canceled service with XXXX XXXX XXXX XXXX in XXXX in XXXX XXXX  XXXX due to relocating to XXXX. The outstanding equipment was dropped off at the XXXX store on XX/XX/XXXX via tracking number XXXX and was confirmed as received by XXXX in early XXXX. I believed the account to be settled and closed and received no further mail from XXXX regarding a past-due amount. A collection account appeared on my credit report in early XXXX from collection agency XXXX XXXX XXXX XXXX XXXX for an outstanding balance from XXXX. I checked the XXXX account and found the equipment had been credited, then re-charged during a billing period of XX/XX/XXXX, XXXX XX/XX/XXXX ( when the account was no longer active ). I found it strange that the collection account was reported before the end of this billing period. I disputed with the credit bureau and the reporting disappeared. In XX/XX/XXXX, the collection appeared again on my credit report. I contacted XXXX directly requesting an explanation and providing the tracking information for the returned equipment. The representative confirmed the equipment was returned and credited and there was no further balance due on the account. The collection account fell off again until XX/XX/XXXX. In early XX/XX/XXXX, XXXX sent an automated email that they have transferred the account to Radius Global Solutions, LLC to collect the alleged debt. This is the second collection agency they have transferred this erroneous debt, after confirming the equipment was received and there was no further balance owed on the account on their end.
Product: Credit card or prepaid card

paypal scam is to date your refunds 5 days later than the original date given by merchant refund now earning paypal more $ off your XXXX & interest, customer never? cause paypal tells custmer it banks fault & bank agrees with rebuttal whole time paypal redated money..they have cost me additional fees to my mortgage company because of this issue and that is a form of fraud .... that could have been avoided and they need to correct this situation