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 XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 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 : Reason for Dispute : I made the payment on time, but it was incorrectly reported as late due to a processing delay by the credit union. I have attached my bank statement showing the transaction date, which clearly indicates the payment was made before the due date. 
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.
Product: Credit card or prepaid card

On XXXX XXXX a fraudulent charge was made on my card for the amount of {$250.00}. A {$250.00} transaction that I noticed on XX/XX/XXXX the following week when checking my statement I called capital one right away the associate i spoke with said the company would investigate and I would not be charged as I knew I did not make this purchase I was not worried. On XX/XX/XXXX upon looking at my statement I noticed my card was again charged for the {$250.00} and promptly called the company I tried to resolve it with capital one with associate XXXX XXXX who stated she was the highest person in charge and b chip cards can not be cloned or copied i was responsible for the transaction. I used my card once that day at another store. And did not make this purchase and should not be held responsible for someone who committed fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX 2022 I closed on a home at XXXX XXXX XXXX in XXXX AL XXXX. My lender was XXXX XXXX XXXX About a month after I received a letter saying my servicer was going to be specialized loan servicing care of XXXX XXXX. All seemed well. I had a credit score of XXXX in XXXX of XXXX. Recently, my only auto a XXXX XXXX XXXX finally reached the XXXX mile mark and I spent a few weeks looking for a reliable used auto. I contacted my bank to pull credit and the lender a firm XXXX XXXX XXXX XXXX XXXX ( my bank ) said that your credit report does NOT show any history from or for a mortgage that you are describing. All that we see is student loans in forbearance and credit cards paid as agreed. I immediately contacted Specialized loan servicing in XXXX, Colorado and they told me after a two month blackout we have been reporting to all three credit bureaus. I returned to XXXX and told them what I was advised by Specialized loan servicing. XXXX said sir, we have your credit report. They are NOT reporting anything. Your credit score is XXXX and that basically means we can only approve you for auto loans at 18 % interest. XXXX XXXX when questioned told me I must submit a letter in writing detailing my concern. They have not provided any evidence that they ever provided any credit reporting data to any of the 3 major credit bureaus. Consequently, if I elect to purchase the vehicle 18 % interest on {$30000.00} is an incredible risky hardship on a depreciating asset. This causes me financial concerns and raises suspicion that this firm is a predatory lender.
Product: Debt collection

Repeatedly calling XXXX times every day even if they payment have n't been payed XXXX hours after due date and have n't exceeded grays period of XXXX days. Calls are made on Saturdays to even Sundays sometimes. No voicemail nothing just harassing non stop calls non stop its out of limits. Please no one ever accept financing from this company its a rip off i had XXXX credit and they charging me 20 % APR they tricked me they sold me their warranty and made my life miserable. Cant wait to get out of this deal. Stay away from EXETER finance
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$330.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Transunion XXXX and XXXX still reporting inaccurate information on my behalf without my permission I sent documents and proven those accounts was due from Identity theft I uploaded police report and ftc reports that they saying is not honor denying me rights to my credit causing denial making hardship to provide for my family causing. stress and financial harm to my name and repartition .accounts listed is veros credit XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I so have a deletions letter from citi bank but the companies still reporting.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX, Account : XXXX for XX/XX/2020. I was never 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the Auto payment was and error on XXXX end. I've called XXXX and was told to call the 3 Credit bureaus about the errors reporting on my file
Product: Debt collection

XX/XX/XXXX a creditor served somebody at my address and as a result there was a default judgment was issued. I have been trying to get verification of the debt because I think my ex-husband open this card in my name I tried to settle the debt and they would not give me the information in writing. XXXX they issued a garnishment against me and they did not call me to try and settle and XX/XX/XXXX they issued a garnishment against me and they did not call me to try and settle the debt or send me a letter. The first time I tried to settle that with them and did n't hear back I did n't pursue it because I had XXXX and I was in XXXX for several months and my daughter also had a baby.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address to 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 ( XXXX ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I am getting phone calls from this company daily. Sometimes I 'm called from different numbers more than once a day. I do not owe any debt. When I asked why they are calling me or what this is regarding they wo n't tell me anything. This is harrassment plain and simple My FICA score is XXXX and I 'm tired of them calling constantly
Product: Credit reporting or other personal consumer reports

LoanCare LLC is reporting some lates payments for 2024 I ask they please remove. I had this account with my ex wife. However, when the divorce was settled she took over the mortgage and it was in the decree she would be responsible for payments moving forward. I was no longer allowed in the account and stopped receiving communication from Loancare but continued to help with the mortgage and was making the payments to her so she could make sure the mortgage was being paid. However, I recently went into my loan officers office to inquire about obtaining my own home and was told that this account had several late payments. I was confused because I was unaware. This is not my fault and didn't even know that after this divorce this would continue to report on my file.
Product: Credit card

I HAVE A PROBLEMS WITH SEVENTH AVE REPORTING WRONG INFORMATION TO THE THREE CREDIT BUREAUS. THEY ARE ALSO CHARGING ME EXCESSIVE FEES AND INTEREST FEES. I HAVE WHERE MY OLD LANDLORD MADE US MOVE FROM OUR TO Home to SELL THE HOME BECAUSE OF COVID. SEVENTH HAVE WAS ADVISE THIS INFORMATION AND STATED THEY WILL NOT CHARGE ME LATE AND INTEREST FEES STARTING FROM XX/XX/year>, they are charging me excessive late fees and interest. They are illegally reporting to the credit bureaus wrong information, and causing my credit score to drop. I HAVE PAID ON TIME SINCE XX/XX/year>,
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY HAD CHARGED -OFF ONE OF MY ACCOUNTS BUT FAILED TO SEND ME A 1099-C FORM. ONCE THIS COMPANY LISTED THIS ACCOUNT AS A CHARGE OFF, THEY FAILED TO PROVIDE ME WITH A 1099-C FORM. THE FLORIDA STATUTE OF LIMITATION ON THIS DEBT IS 4 YEARS STARTING FROM THE DATE OF MY LAST PAYMENT. THIS COMPANY NOT ONLY CONTINUED COLLECTING ON AN INVALID DEBT BUT SOLD THIS INVALID DEBT TO NUMEROUS CLLECTION AGENCIES WELL PAST THE STATUTE OF LIMITATION FOR COLLECTING ON THIS DEBT.
Product: Credit card

I charged XXXX to my Citibank credit card on XX/XX/. I did not receive the service/product from XXXX. XXXX, issued 2 credits to be applied to my citibank credit card as a result. The first for {$240.00} appeared correctly on my citibank statement on XX/XX/. Citibank never processed the second credit of {$470.00} which you can see by the attached email from XXXX that XXXX acknowledges they sent the credit to Citibank on XX/XX/. 

I have formally disputed with Citibank that the credit never appeared. The first formal dispute was filed on XX/XX/ with this evidence. Citibank credited my account, then applied the charge back to my account for a net {$0.00} credit. 

I then disputed the lack of credit again via phone cases where I was promised the credit of {$470.00} would be applied on the following consecutive dates : Dispute # XXXX : XX/XX/ Dispute # 3 XXXX Dispute # 4 : XX/XX/ Dispute # 5 : XX/XX/ Through these various disputes and calls Citibank indicated they used a 3rd party dispute agency which indicated I did not provide enough evidence that the credit had been sent by XXXX despite the direct evidence ( email from XXXX ) from XXXX to the contrary. I reminded the Citibank agent that on the original dispute I provide an actual email from XXXX on XX/XX/ indicated they had sent the {$470.00} credit to Citibank on XXXX. See attached evidence. 

Therefore I am still owed a credit of {$470.00} that XXXX sent to Citibank yet Citibank will not apply my merchant 's credit to my account. 

Please advise,
Product: Credit reporting or other personal consumer reports

Stated in 15 usc 1681a ( 2 ) Any transactions between creditors and the consumer should be excluded from consumer profile. I have transactions reporting and should be deleted from my consumer profile within 10 days or the next steps will be legal for breaking the law. See below for the law and accounts that need to be deleted. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; 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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name XXXX XXXX Account number : XXXX Account XXXX : XXXX XXXX XXXX XXXX Account number XXXX N/A Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX. 
Account number : XXXX Account name : XXXX XXXX XXXX. 
Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX acct # XXXX,, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. states i have the rights 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
Product: Credit reporting or other personal consumer reports

This Debt Is Considered A Charge Off However This Is Actually Considered A Income Because I Should Have Received A 1099 C In Order To Account For This As Income. This Is Not Charge Off Im Requesting This Be Removed Because This Is Not Debt. This Is Considered Income & Income Should Not Be Reporting On Your Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I reached out to the loss recovery department of XXXX XXXX in regard to negative information being reported to the credit reporting agencies. XXXX XXXX has been reporting my account as charged off from XXXX XXXX XX/XX/2022. The XXXX XXXX representative from the loss recovery department stated that according to their policy there is a difference between a write off and a charge off, however according to 7 CFR 1956.54 A charge off is defined as the writing off of a debt and termination of collection activity without release of personal liability. I wanted clarity on if their policy definition supersedes the federal laws definition and I was transferred to many representatives who couldn't assist me at all. XXXX XXXX is furnishing my nonpublic personal information to third parties ( Credit reporting agencies ) without my consent ( 15 USC 1681s2 ). The reporting of this negative information is ruining my financial reputation, and this is unlawful activity that is causing me substantial harm. The representative stated that per their policy they are required to report the information and that is a violation of 18 US Code 892 which is them stating that they knew I was going into an extortion and extension of credit.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 to be removed/updated.

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.

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!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 a Fraudulent Inquiry was made on my TransUnion and XXXX  credit file from XXXX, I did not Authorize this Inquiry and quickly called XXXX to notify them of such Fraud. Please Remove this Inquiry Immediately from my credit file. I was a victim of identity theft.
Product: Mortgage

XX/XX/XXXX The servicer Ocwen changed names/sold servicing rights to PHH/XXXX XXXX They locked us out of the online account, and are still to this day locked out of our account. 
They held our payment in suspense. They sent the note to a foreclosure status. They charged foreclosure fees. 
Then the COVID pandemic hit. 
They held payments in suspense and then resorted to the refusal and return of the payments. 

They have also refused the Pandemic Relief Monies to assist HOMEOWNERS basing it on their statement that we, the homeowners were behind in our mortgage payments..when in fact... had they not held the money in suspense we, the homeowners would have been " current '', and therefore would qualify for the COVID assistance. 

To this current date, PHHXXXX XXXX sent a trial period modification with everything due by XX/XX/XXXX, along with a letter claiming they can not provide COVID assistance. 

The prior servicer had religiously taken our money, held the funds in suspense, and " forced '' loan modifications ( most current was XXXX ) that were extremely inaccurate and financially detrimental. 

We have hired a couple attorneys, a forensic accountant, and enlisted the help of a local housing authority agency, XXXX, XXXX
Product: Debt collection

mi informe de crdito muestra sobre una deuda que nunca se verific que fuera exacta y la que notifiqu por segunda vez el 12/03/2020 pero nunca respondieron y aun no contestan .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX filed a complaint to all credit bureau and secondary credit union such as XXXX XXXX. About a bankruptcy that is being verified by those said companys. Ive received a letter from the XXXX XXXX  in XXXX XXXX iowa that the courts dont provided or verify information to credit reporting agency. So the furnisher of said information is false