23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I had tried setting up Auto-pay for our mortgage account ( Loan # XXXX ) back in XX/XX/XXXX with our lender XXXX XXXX  shortly after we came out of our forbearance period. 

Unfortunately, the auto-pay request never fully finalized through their portal, and the lender did not automatically draft XXXXXXXX XXXX mortgage payment. 

Our payment ( s ) were never drafted automatically which I was not aware of, and I am now told XXXX XXXX  reported a 30 day late payment for the month of XXXX to the credit bureau 's without notifying us by phone, e-mail, or mail in advance. The lender sent a notice, but the mailing notice had XXXX addresses listed ( my old address in New York and my current address in South Carolina ), which would not have been properly delivered by USPS. I spoke with a representative from XXXX XXXX  who also confirmed via telephone that the mailing address on the notice was incorrectly labeled and would not have been delivered properly therefore in which we were not notified our account was past due. I only realized our account was past due when I received XXXXXXXX XXXX statement in the mail and I noticed our balance had a carry over from the month before. 

I would like to officially dispute and reverse the 30 day delinquent reporting for the month of XXXX on this account. We've never been late with making a payment to XXXX XXXX  since we've owned the property in XXXX, and this is XXXX of XXXX other loans we currently have where we have never been late or missed a payment with any of our lenders. 

Please let me know what we can do to resolve this matter so our credit is not negatively impacted. 

I appreciate your attention to this matter. 

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

A dispute letter was sent to Transunion on XX/XX/XXXX provided as exhibit A, asking that they do a investigation in accordance with 15 USC 1681i and any incorrect information be deleted. I received a response from Transunion stating that the XXXX  XXXX account has been verified which is provided as exhibit B. Also exhibit B shows that Transunion is reporting the XXXX  XXXX last date of payment as XX/XX/XXXX. Exhibit C is a statement from XXXX XXXX stating that the last date of payment is XX/XX/XXXX. If Transunion did an investigation in accordance with 15 USC 1681i how can they verify it but reporting inaccurate. Now that i have made you aware of this inaccurate reporting, updating it will be an admission of guilt and i direct violation of my right to a fair investigation. I demand that this account be deleted immediately and or i will have no choice but to seek legal counsel due to the federal violations of the FCRA transunion is currently committing. Please forward me a copy of the updated credit report with the deletions.
Product: Credit reporting or other personal consumer reports

Trusit Bank Loan Number : XXXX, Borrower : XXXX XXXX XXXX I am the Borrower in the above mentioned Loan, there was an issue related to Escrow fund related to Property Tax which was going on with the Lender since XX/XX/XXXX onwards and subsequently this matter was resolved on XX/XX/XXXX, wide CFPB Complaint number : XXXX dated XX/XX/XXXX. 

Summary of the present Complaint : Lender - Suntrust Bank [ now known as Truist Bank ] reported negative remarks against my Credit Report based on the above issue. I disputed the above negative remarks and the Lender  XXXX  refused to remove the same from my Credit Report. After carefully reviewing the same, I noticed the following irregularities and discrepancies in the Credit Report and the amount reported by the Lender to IRS. The negative remark reported by the Lender is factually wrong, incorrect and misleading based on the following facts : 1. There is no delayed payment of 90 days as reported by the Lender which is clearly evident from the Exhibit A, i.e. Online statement by the Lender for the year XXXX XXXX. Based on the Exhibit A Lender failed to report the Original Interest paid by the Borrower to IRS. Please refer to Exhibit C 1098 provided by the Lender. The Statement shows an amount of {$4900.00}, paid by the borrower as the Interest for the year XXXX. The actual interest paid by the Borrower is {$5600.00} [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX cents. 

XXXX. It is a true fact that the Lender paid Property Tax for the year XXXX on XX/XX/XXXX and the borrower repaid the full amount the same day itself. This is clearly evident from the Lenders monthly statement of XX/XX/XXXX. 

XXXX. Under the pretext of the above, unilaterally in a hasty manner, Lender tried to foreclosure the property without the consent, knowledge and permission of the Borrower and various wrong entries were made during this process.

5. The inadvertently committed erroneous entries from the Lenders side were corrected /rectified by the Lender XXXXng the process of resolving the issue in the original Complaint, XXXX XXXXXXXX dated XX/XX/XXXX. Please refer to XXXX XXXX  the online statement from the XXXX side, dated XX/XX/XXXX which is self explanatory. 

In view of the above, there is not even an XXXX  of evidence to prove the delayed payment of 90 days from the Borrowers side. The scanty and sketchy allegations with baseless lengthy explanations can not be used as a cause for reporting negative remarks against the Borrower, whereas the Lenders failure to report the actual interest paid by the borrower is a serious matter. The negative remarks reported by the Lender is totally absurd, excruciating and intending to tarnish the Credibility of the borrower.
Product: Credit card or prepaid card

On XX/XX/XXXX I was alerted that a application i did for care credit had been denied due to a previous applicaiton being approved. I never recieved any approval notices or cards in the mail. I calle Synchrony card services/care credit to resolve the matter they stated that someone opened a card with my social and a different name. They assured me that account would be closed and they if I sbmitted a new application they would " manually approve it '' and apologized for the inconvienece after several transfers and talking to several different reps I completed a new application over the phone as i was instructed to do, they denied it and said that decision was final depsite what the fraud rep told me. Then upon checking for more information on how someone could open an account with my social and not my name they said they cant give me any information and to check with the credit burea. They handled to sitiuation poorly every rep gave me different information continuaslly tranferred me to the wrong departments and I completed another application with them which palced an inquiry on my credit only to be denied after their rep said it would be apporved as long as I completed a new application which every rep after that told me they cant manually approve anything despite more than one rep stating they would do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to creditors to remove a hard inquiry XXXX that was put on my report without my knowledge, also reach out to the XXXX and trans union on this matter. I sent several certified mail to bureaus, and calling them and still nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter to Experian on XX/XX/2021 with the only address that should be listed on my credit file. Certified with date of delivery, utility bill and drivers license
Product: Student loan

This loan was already paid and I am asking for proof that it is not. From my understanding it was paid off with a surety bond when the loan was defaulted. I am asking for the contract with my wet signature and if can not be provided I would like this loan to be removed from my consumer reports. I do not owe this company and they are negatively reporting on my consumer report which in turn is causing me to be denied credit.
Product: Bank account or service

I have been a customer at Chase for years in good standing. The joint account owner on my checking account is my mother, who has been with Chase since they acquired Bank One. Due to my employment status and job change, there have been times at the end of the payment cycle where money was deposited but showing " pending. '' Other times money was put in there after XXXX EST, but still before the end of day, and subsequent fees have been charges. There are many examples I can show, where even though my account was overdrawn by {$1.00} on a pending transaction, they charged a fee for items that were " pending '' and changed to " posted. '' Since XXXX 2015 I have paid approximately $ XXXX in overdraft fees. I find this excessive and ask for leniency.
Product: Money transfer, virtual currency, or money service

This is in response to : COMPLAINT ID : XXXX I reached out to Bank of America regarding this complaint ( case # XXXX ) and they provided me with a confirmation they received from the alleged beneficiary bank confirming the funds have been received. I have attached the confirmation to this email. Upon opening the pdf, the beneficiary bank the funds were sent to is incorrect. The funds were indeed sent to the wrong bank per the pdf attached. I have attached my original instructions. The bank or its intermediary have sent the funds to the wrong bank and now the incorrect beneficiary is not responding to their recall request. I am now stuck because someone made a clerical error. I was hoping someone can help me bc bank of america is giving the runaround. I put the right information into my transfer and yet the Bank or its intermediary made a mistake on their end. It's not me, the client, who made the mistake but someone on their end either the bank or it's intermediary. The confirmation they have provided me with prove that the Receiver Institution on the PDF is : XXXX XXXX  XXXX XXXX with XXXX XXXX ; The BANK I instructed Bank of America to send the funds to is XXXX with XXXX XXXX ( XXXX ). Two differents institutions. I really need some help because I am still waiting 7 months later for incorrect info and the Bank of America is giving me the lip service treatment.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

XXXX XXXX Account # XXXX Unverified Account XXXX Account # XXXX Unverified Account XXXX Account # XXXX Unverified Account I have the right to accurate and updated information on my credit report. Incorrect details, like an invalid address, and inaccurate accounts reporting can negatively affect my creditworthiness. I request the removal of any inaccuracies related to my address and any unsubstantiated information. According to the FCRA, you have 30 days to resolve this dispute and inform me of the results. 


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

This is my 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 records 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 an alleged fraud or extortion. 



XXXX XXXX XXXX Balance : {$2100.00} ; XXXXF XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Debt collection

On or about XX/XX/22 I received a notice from XXXX XXXX  that there was a collection notice on my credit report ( this was shortly after my XXXX check was declined when I attempted to purchase my XXXX XXXX XXXX, I have a XXXX XXXX in XXXX states, so i was already working with the XXXX XXXX XXXX XXXX XXXX XXXX  ). I immediately pulled my credit report to find that there indeed was a collection 's notice from Transworld Systems Inc. I disputed it and received on XX/XX/22 a letter from them indicating that I owed {$550.00} to their client XXXX XXXX for utility services under my name at " XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I contacted XXXX and advised them that i had never lived at this address and the debt was not mine. They were very unprofessional and argumentative. I asked what I could send to them to prove this. They agreed that if I sent them a utility bill for where I live for the month in question that would suffice and provided me an email address. I sent them my XXXX XXXX XXXX for the month prior, in question, and following, and requested a response in XXXX  days. In the meantime, I reviewed my credit report further with a XXXX XXXX XXXX XXXX had reported to the FTC the year prior fraudulent XXXX claims in my name and had not heard anything since then. I discovered that this XXXX  address appeared on my credit report as did an inaccurate social security number of XXXX ( mine is XXXX ). I wrote to the credit agencies and copied the XXXX on these letters as well to advise of the continued inaccuracies. Today XX/XX/22, I contacted TSI to request a status on my previous contact and the documents I provided. I was told " we verified this is your bill, you need to pay it, stop trying to avoid your responsibility ''. I told them they'd hear from my lawyer and then hung up. I suppose since they are based out of this country they do not care... I took it upon myself to contact XXXX XXXX directly. I spoke with XXXX who opened a case for me # XXXX and asked me to email all of my documentation including utility bills to XXXX. Following this I received a call from XXXX who also advised that I needed to submit with this paperwork a copy of a police report and my report to the FTC. I have visited my local XXXX and it will take a couple days to receive that report and I am now filing yet another claim of identity fraud with you. I'd like to know at what point I as the consumer can feel protected. And yes my credit has been locked.
Product: Credit reporting or other personal consumer reports

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 

XXXX XXXX  XXXX
Product: Debt collection

I reached out to XXXX XXXX XXXX and SYNCB/TJXDC on XX/XX/XXXX informing them of 15 USC 1692e Violation- Misleading False Reporting. On XX/XX/XXXX remains on my credit with the same false reporting. I specifically highlighted the inaccuracies which makes this false reporting and these thinfs remain on my credit report. 

The date opened : XXXX reported XX/XX/XXXX, XXXX reported XX/XX/XXXX, XXXX reported XX/XX/XXXX. 

How can the same account be opened on different days? This is false and misleading reporting. 

High credit : XXXX reported {$2100.00}, XXXX reported {$0.00}, XXXX reported {$2000.00}. How can the same account have different high credit? 

Credit Limit : XXXX reported {$2000.00}, XXXX reported {$2000.00}, XXXX reported {$0.00}. How can the same account have different credit limits? 

Date of Last Payment : XXXX reported XX/XX/XXXX, XXXX  reported XX/XX/XXXX, XXXX reported XX/XX/XXXX. How can someone pay on the same account on different days to the same creditor? 



Now, as of today, XXXX has removed the account because they acknowledged that they were in violation of my consumer rights. However, in XXXX XXXX, XXXX reported this account as a collection/charge off. 

The bureaus did not contact me in regards to how or if this debt was verified, neither did the SYNCB? XXXX validate this debt which is another violation of my consumer rights. 

I've asked twice to have this alleged debt removed from my credit report to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX 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

Santander consumer usa reporting inaccurate late payments info to credit bureaus. Dates:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing a negative collection mark on my Equifax and XXXX  credit reports in the amount of {$140.00}. The original creditor for this amount is XXXX at XXXX XXXX Apartments. The debt now belongs to XXXX XXXX. 

The reason I am disputing this collection is because the original creditor, XXXX at XXXX XXXX, is attempting to charge me for an expense they incurred before I was a resident at their apartment complex. 
I have attached two supporting files : File # XXXX is the move out statement and ledger that the original creditor, XXXX at XXXX XXXX, mailed to me upon vacating the apartment. The ledger indicates there is a move out balance of {$130.00} ( the actual amount on my report is now {$140.00} due to added interest charges from XXXX XXXX. ) File # XXXX is an invoice from XXXX XXXX XXXX charged to the original creditor, XXXX at XXXX XXXX. This invoice was provided to me by the original creditor, XXXX at XXXX XXXX, as part of my move out statement. The invoice is for carpet replacement in the apartment unit I resided in. 

Per File # XXXX my lease agreement began on XX/XX/2018. Per File # XXXX the invoice was generated and dated on XX/XX/2018. This means that the carpet in the apartment unit was replaced before my lease agreement began. 

I have disputed this issue with XXXX and they quickly removed the negative collection mark from my credit report. As quoted by XXXX  on page # 1 of the attached file XXXX  Dispute Results, Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Please feel free to review the XXXX  Dispute Results attached file for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX-20, attempted to register with XXXX XXXX and was told that identity could not be verified and to call Equifax.

On XXXX-20, attempted to talk with Equifax on the phone 2 times but was hung up on during the information verification process. Then attempted to file a dispute on their website online and encountered an error saying that I need to call Equifax customer care.

At this time, can not access my credit report and can not reach Equifax to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is currently an account on all three of my credit reports under the name of XXXX XXXX XXXX Management in the amount of {$820.00}. This is a fraudulent account. I have never taken out a loan at any time with XXXX XXXX XXXX. I believe that XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX are the same people trying to commit fraud against my account. Please see previous dispute and correspondence email from XXXX XXXX XXXX. ( attached )
Product: Credit card

PayPal credit card, my purse was stolen with in 10-15 minutes they charge my PayPal card {$860.00} at a XXXX store buying gift cards i call PayPal right away when i got text alert for that charge they lock account i told not to worry about nothing i send all the police reports, picture of broken glass, picture of glass replacement charge and they still don't believe me, don't know what else to do this is not fair i thought credit card have protection against this stuff this is the last email me they send me today for the XXXX time PayPal case XXXX XXXX case denied
Product: Payday loan, title loan, or personal loan

This company keeps harassing my friends every single day about a loan I took out with them. If Im not mistaken theyre only suppose to reach out once to my contacts and thats it. Theyre continuously harassing them and myself as well. I am not able to pay them back at the moment but I have already planned to pay off the loan as soon as I receive my taxes. I do know my rights and this is NOT legal.