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

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXX  XXXX Account Dear CFPB, I am writing to formally dispute inaccurate late payments reported on my XXXX  XXXX account ( Account # : XXXXXXXX XXXX on my credit file maintained by Experian. These inaccuracies misrepresent my payment history and creditworthiness, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
Nature of the Complaint Inaccurate Reporting : XXXX : Incorrect late payment reported for XX/XX/XXXX and XX/XX/XXXX. 
Experian XXXX XXXX : Incorrect late payment reported for XX/XX/XXXX and XX/XX/XXXX. 
The account is reported as current, with consistent payments on time except for these erroneous late payment records. Additionally, I have been enrolled in autopay, ensuring no late payments occur. 
Discrepancies in Account Information : High Balance : XXXX and Experian report {$380.00}, while XXXX lists {$0.00}. 
Last Verified Date : XXXX lists XX/XX/XXXX, while Experian and XXXX have no data for this field. 
Date of Last Activity : XXXX and XXXX list XX/XX/XXXX, while Experian lists XX/XX/XXXX. 
XXXX XXXX : XXXX, Experian, and XXXX consistently show {$78.00} ; however, the late payment records contradict this. 
Violation of the FCRA ( 15 U.S.C. 1681 ) : Section 1681e ( b ) : Failure to ensure maximum accuracy of consumer reports.

Section 1681i : Failure to conduct a proper investigation when disputes were previously raised.

Section 1681s-2 : Reporting inaccurate or incomplete account data.

Potential Violation of FDCPA ( 15 U.S.C. 1692e ) : The inaccurate reporting of late payments may constitute false representation of the character or legal status of my account.

Truth in Lending Act ( TILA ) : Inaccurate reporting practices fail to meet the standards of transparent and accurate credit disclosures. 
Requested Resolution I request that Experian : Conduct a thorough investigation of the XXXX  XXXX account inaccuracies. 
Remove all erroneous late payments ( XXXX : XX/XX/XXXX and XX/XX/XXXX ; Experian and XXXX : XX/XX/XXXX and XX/XX/XXXX ) from my credit file. 
Update all other account details to ensure maximum accuracy, including high balance, activity dates, and payment history. 
Compliance Reminder Pursuant to 15 U.S.C. 1681n and 1681o, failure to correct these inaccuracies within the statutory 30-day window may result in civil liability, including damages, attorney fees, and punitive measures.

I look forward to your response within the legally mandated time frame. Please provide written confirmation once the corrections are made. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tirelessly disputed the XXXX inaccurate XXXX to no avail thus far with TransUnion. Consequently, it is causing me tremendous punitive damages, XXXX XXXX, and financial setbacks, conversely causing me to miss out on countless opportunities to reestablish my credit standing and build my new business. 

Attached are supporting documents from XXXX, US Bankruptcy Court, XXXX, XXXX, and XXXX  for your immediate review- which corroborates my many unsuccessful attempts/disputes.
Product: Debt collection

I called Amsher collections who was reporting a debt against me from XXXX. It is reportedly to expire on XXXX, however I have had XXXX XXXX XXXX   since my son was born in XX/XX/XXXX. Ive never had a XXXX   account, so I called to inquire. I have never received an initial contact letter, no notice of my right to dispute. I told them I didnt know who they were I didnt have a XXXX account in well over 7 years now. When I called they informed me that they were going to sue me if I didnt pay this. I asked who the lawyer was and they named a lawyer not even licensed in Texas. 

They should not be reporting and should no longer make threats against me for legal action they know they cant take.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company ARS keeps reporting this medical bill which does not belong to me and they refuse to show proof that the debt belongs to me or was incurred by me. I have made multiple attempts at getting in contact with them and getting something from them in writing to no avail. They are hurting my credit report and score and keeping me from being able to grow my business because of this inaccurate account. I have sent them a letter requesting debt validation SEVERAL times with no response. Then I sent a failure to respond letter and still nothing. Please assist me in getting them to remove this account off of my credit report thank you very much.
Product: Checking or savings account

I have a checking account with Wells Fargo. I was to make a payment of about {$320.00} to XXXX, but I called them prior to the payment being sent and told them that I needed to cancel the payment because of emergency vehicle expenses I needed to pay for. XXXX told me they could not do that, as they need XXXX hours minimum notice. They went ahead and took the ACH payment, and then I contacted Wells Fargo informing them that this transaction was not approved by me. They issued a temporary credit, and informed me that I would hear back from them in a maximum of 10 days. About 21 days passed, and they took away my temporary credit and refused to give it back. XXXX also never received my payment. I called Wells Fargo several times asking where my money went, and they said they would initiate a trace to figure out what happened to my money. I never heard back from them. As of today, XX/XX/2024, they closed my checking account without my knowledge or approval while I was still waiting for them to issue back my money. Neither XXXX nor Wells Fargo can figure out where my money went, yet they didn't issued me a permanent credit to my account, and now my checking account is closed.
Product: Debt collection

This is a issue I wrote to you about regarding XXXX XXXX. XXXX sold me a package that I was never able to use and did not inform that to have this service that I had to get their phone service. The premium channel that I ordered never worked although XXXX was called several times to fix or remove from the account. XXXX has continued to charge me for the premium services as well. 

When I got the bill, I tried to explain what happened and work out with them to get the services working. They would never resolve the issue. 

Now they have 2 collection companies reporting on my credit report, both in the amount of {$780.00}. I do n't own the original {$780.00} but now they have 2 companies reporting that amount.
Product: Student loan

This is the second time this has happened. My 3.120 % fixed interest rate was raised in error. Without looking at the promissory note, the agent insisted that it was variable. I had an extra {$3.00} showing as past due. This easily could have affected my credit if I did not catch it.
Product: Vehicle loan or lease

I wasnt able to make payments during the months of XXXX ( XXXX, XXXX, XX/XX/XXXX ). I contacted Wells Fargo and they said they would postpone the payments and would even put the payments at the end of the loan. In XXXX Wells Fargo repossessed the car with out notice, they demanded the 3 months of XXXX payments plus an additional 2 months. I was forced to pay the towing of the car and storage of the car. The car was also damaged by the tow truck company. In total I paid for {$10000.00} to retrieve the car for {$2400.00} in Covid Payments.
Product: Debt collection

Highly disrespectful Very unprofessional No notifications On reachable
Product: Credit reporting, credit repair services, or other personal consumer reports

In contravention of Section 301 of Public Law 115-174 ( Amendment to the Fair Credit Reporting Act ), my Equifax credit report does not show my current fraud alert expiring on XX/XX/2019.
Product: Debt collection

I call agent XXXX on the phone run for me a quote for my auto insurance and home insurance together around XX/XX/21 I want insurance beginning on XX/XX/21 Because I want change my insurance XXXX wil expired on XXXXgo XXXX if cheaper so When he run a quote done he tell me if you want get discount you had to pay full amount now I agree I give him my bank router and account number But some how they can withdraw my money from my account they are sending a letters my insurance will not affect on XX/XX/21 Even I call them to pay full amount on XX/XX/21 they didnt accept because they said I have to pay more only discount if we can took your money 2 week before So I aslo keep my XXXX insurance on XX/XX/21 until now Few months I see a bill from XXXX I call XXXX I ask why I owned money from XXXX because XXXX cancel the insurance from the beginning Right now they send me credit collections services Can you help me out? 
Any questions you can reach me by text XXXX Email XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are some fraudulent inquiries on my credit report. Please help me to dispute and remove in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an Apple card thru Goldman Sachs. they approved and sent out a card. I could not get the card activated so I called to activate ( XX/XX/XXXX ) They could not activate card after 2 months back and forth calls. They told me to reapply which I did ( XX/XX/XXXX ) the second card was activated and I have been using it since XX/XX/XXXX. I recently checked my credit report and found Goldman Sachs had reported the first card which was never activated, used, or had a balance of any kind as a charge off on my credit report. I immediately called Goldman Sachs ( XX/XX/XXXX ) and after multiple calls they told me I had tried to open a card with them with my fathers apple ID. this was not true and they had given me a second card with the same information in XX/XX/XXXX. I believe someone at Goldman Sachs reported the first card as a charge off and now they can not figure out how to take it off my credit report. who knows how much damage has been done to my credit with a charge off there for almost one year.
Product: Credit card or prepaid card

Hello, This complaint is about my Bank of America XXXX XXXX XXXX credit card ending in XXXX. 
My XXXX XXXX loyalty number is XXXX I'd like to start off saying that I didn't want to file this complaint on Bank of America . I LIKE Bank of America. I like their website and I like going to the branch. I don't want to have a problem with Bank of America. I have a business account there also and I intend to keep it there. I really wish I didn't have to do this. 

This is actually a very simple problem, but I can't seem to get anyone at Bank of America to even UNDERSTAND the problem no matter how many times I call or explain it to them. 

I filed two cases : Case # 1 : XXXX Case # 2 : XXXX The reason I filed a second case is that I received a letter with the first case number telling me that they had resolved the issues. The issues were not all resolved. All but one issue remains outstanding. 

My offer for my card that was approved on XX/XX/2022 was as follows : XXXX XP ( experience points ) upon card approval ( NOT RECEIVED ) {$100.00} statement credit ( RECEIVED ) XXXX XXXX miles ( RECEIVED ) An additional XXXX XP ( experience points ) bonus ( RECEIVED ) I've received everything except the XXXX XP that I should have received upon approval. I simply got nothing. In looking at my XXXX statement, one can clearly see that the XXXX miles was issued and the XXXX XP " subsequent bonus '' points were issued, but I never got the XXXX XP upon card approval. 

Why is this so hard for people to figure out? 

Please look at my screenshots and please issue me the XXXX XP. I should be silver status right now for XXXX XXXX XXXX XXXX. I thought this would have happened by now and it hasn't - because the terms on my credit card were not fully honored. I recently even flew XXXX ( boarding pass attached ) and I had to forfeit a lot of benefits because I wasn't a silver level member. I should have already been a silver. 

THE SCREENSHOTS AND THE XXXX STATEMENT ARE SELF-EXPLANATORY. 

I'm sorry that I had to file this complaint. 
I hope that Bank of America doesn't retaliate because I really do like them. 
Please don't resent me as a customer for filing this complaint. Believe me, I've tried to explain it several times over the phone, and each time there is some kind of erroneous conclusion to my issue. 
Best regards, XXXX XXXX XXXX
Product: Checking or savings account

There is a banking app called " Chime '' that someone used my personal information to make their account. I can confirm they used their own phone number, but used my name and email. It is attached to their bank account and I get emails about payments and card declines regularly. Given this is fraud, and someone is using my identity- I've called Chime multiple times to have the account closed. They are either overseas and can not understand the request, or simply do not have the resources to investigate fraud of their own accounts. They have not helped me and do not know what to do so they hang up on me.
Product: Credit reporting or other personal consumer reports

Trying to obtain new insurance, however price is very high as lexus nexis has inaccurately listed as me being at fault foXXXX XXXX  accidents. I was found 0 % at fault with my insurance company and I have both police reports. There is no clear way to contact them to fix this information. This is costing me a lot of money and I also can not be on my XXXX XXXX insurance due to this.
Product: Debt collection

Son ( who is XXXX ) lived at a different address during 2013. I am XXXX, but we have similar names. 
XXXX is looking for money from him and turned it over to a debt collector. ( XXXX in 2 years, although XXXX ) For the last XXXX 9 months, they call twice a day and never say anything and just hang-up. They sent letter but figured it was a scam as I have Excellent Credit. Looked at my credit report today and sure enough, Stellar Recovery dinged my credit! I called their XXXX number and explained that this debt is not mine, that i have lived at same address for XXXX years and the address they are trying to collect for is not even in this town. My XXXX Account is current and on Auto-pay! Once again I have filed a complaint with the XXXX will also file with XXXX office for fraudulent reporting to a credit agency. Last year it was XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX @ XXXX. Took 6 months to clean up. Now this year it is Stellar Recovery, XXXX XXXX XXXX, XXXX, XXXX XXXX phone XXXX or XXXX ... Also show a XXXX address : Stellar Recovery, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX..Are these XXXX companies in bed with each other and XXXX? Seems odd that XXXX can sell old debt over and over again and XXXX innocent consumers over in the end. Should be a law against!!!
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX phone number XXXX. I informed said company that they have reported the information past the seven year time that they are allowed too. They then reported it again after asked it to be removed as if i was a new account causing my credit score to go down. I also told them according to law that i would like to opt out of them reporting to my credit report per 15 usc 6802 ( b ) thru 6805. I also informed said company that 15 usc 1681 ( 4 ) clearly states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
In regards i will be seeking damages for the reporting unlawfully 15 usc 1681 ( n ) states that 1000 per violation for a persons willfully fails to comply with any requirements imposed under this sub chapter with respect to any consumer is liable to that consumer. 

I hope that these matters will be resolved in a reasonable matter
Product: Checking or savings account

On XX/XX/XXXX, I deposited my spring semester scholarship check from the XXXX XXXX ( my colleges scholarship funds ; XXXX XXXX ) in the amount of {$7500.00}. This check was identical to one I deposited in fall semester on XX/XX/XXXX, with the exception of the date, without issue. Hours after depositing, Wells Fargo removed the funds from my account claiming an audit found the check to be altered. I called and filed a phone complaint which was not helpful. I then went in person to the branch where I deposited the check with the check stub to prove the check was accurate. The manager filed another complaint in my behalf, since as a XXXX, the scholarship money represents my living expenses from unmet need of federal and state financial aid. 

It has been 10 days and Wells Fargo has still failed to release the funds. They have not bothered to call my school to verify the validity and accuracy of the check, or asked me for any proof that I received the scholarship. They have done nothing which would immediately verify that the check was good and monies owed to me. I can not pay my bills because Wells Fargo is improperly holding my money XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out dispute to XXXX, XXXX  and Experian about my name being incorrect on my report and wrong mailing addresses on my account more than 30 days ago. I included my License, Social Security and even a recent bill for verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX XXXX XXXX  equifax highest balance {$310.00} and highest balance {$310.00} i have 3 late payment on both credit breaus and the credit breaus will not remove it from my credit report .also XXXX XXXX  XX/XX/2019 eqifax and XX/XX/2019 XXXX  will not remove the late payments off my credit report neither.I tried getting those removed with dispute letters but they still would not removing those my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated that my account was properly investigated but how is that possible if many of the account information is in accurate including but not only the date last reported as well as the date last active. This is grounds for removal. They have violated my rights under 15 U.S.C 1681 section 602 A. States that I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Company at fault : Shellpoint ( Mortgage Servicing ) My mortgage was recently transferred from XXXX to Shellpoint XX/XX/2019. In the first billing statement Shellpoint applied a {$15.00} surcharge. According to the company it was a house inspection verifying the existence of property. I did not receive advance notice, consent to this charge and it is not a part of Mortgage Servicing standard agreement. This charge is unlawful.
Product: Mortgage

I received a notice from my mortgage lender XXXX XXXX XXXX XXXX  XXXX on XXXX XXXX about new servicer for loan. 
The notice stated the effective date of XX/XX/XXXX. The last date my current provider would receive mortgage payments was XX/XX/XXXX. I made my XXXX month payment on XXXX XXXX to avoid delay of payment. 
The US Bank home mortgage now owns loan and has constantly called to inform me the payment is late. On my XXXX statement US Bank stated a late fee may be charged of {$100.00}. 
When I call US Bank the automated customer service toll number does not accept my social or the account number. Not sure that US Bank has even updated my information in the system correctly. 
I have called XXXX XXXX three times asking about monies sent to USBank, XXXX XXXX confirmed monies sent US Bank on XX/XX/XXXX via check. 
In addition XXXX XXXX provided an account history of payments which I emailed to US Bank email address the supervisor provided to me on the call. 
Today XX/XX/XXXX I called USBank for the 5th or 6th time asking for status of pyments applied. The supervisor XXXX XXXX stated that USBank still had not recived proof of payment so I have re sent the PDF document from XXXX XXXX XXXX with pyments processed. XXXX said they will do another inquiry for the payments and advise. This is the second time that US Bank claims to review the proof of payments.
Product: Debt collection

I XXXX XXXX a natural person filing this complain about an alleged Medical debt that cause Grave distress against me, and inflict stress that resulted to me XXXX XXXX XXXX XXXX XXXX, at this moment this crooked debt collector name XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) cause me to lose financial stability even losing my apartment for not doing their do diligence. know one should have to deal with such distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

After finding out I was a victim of identity theft, I received a copy of my credit report and noticed several inaccuracies and incorrect information located within my credit report. I then sent a certified letter to all three of the main credit reporting agencies ( XXXX, Experian and XXXX ) notifying them of my identity theft situation and requesting the verification of accounts I will include within this complaint. Shortly thereafter, I received a letter stating their reasons for the remaining accounts. Due in part to the laws provided herein, 15 USC 1681 sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ) .I have included supportive information. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ) .I then sent a letter requesting a re-investigation of said accounts with a request to provide me with the necessary info as to whom you spoke to to verify this information with. I recently received a current copy of my credit report and I still see inaccurate and incomplete information within my credit report across all three of my credit file. All three bureaus included. Those being XXXX, Experian and XXXX have miscommunicated my information even after I notified them at least twice. I have certified mail with dates to further my complaint. The accounts I speak of are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I highlighted majority of the inaccurate information that falls within the guidelines of reasons to delete said accounts due to a multitude of misinformation, misrepresentation of a consumer along with other infraction that falls within. Accordingly, certain laws have been afforded to myself, a standalone consumer, to protect me against the crimes I have proven within the written comments and highlighted areas. I closed are also documents that will verify my identity which have allowed my or others to move forward because I am who my identification says I am.
Product: Student loan

XXXX XXXX XXXXXXXX from 2015 I never had a loan from XXXX XXXX XXXXXXXX at all, and they keep charging me.