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

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX, This is to bring to your notice that my credit report shows an inquiry from your company, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately. 

Please forward a written document stating that you have accepted my request. 

I am expecting an early response from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lenders are showing charge-off of accounts that were closed XXXX. XXXX XXXX XXXX  original charge-off XX/XX/XXXX renewed to XX/XX/XXXX because I agreed to a settlement. Capitol One original charge-off XX/XX/XXXX renewed to XX/XX/XXXX because I agreed to a settlement. XXXX XXXX XXXXXXXX original charge XX/XX/XXXX renewed to XX/XX/XXXX because I agreed to a settlement. Kohl 's original charge-off XX/XX/XXXX. They are all more than XXXX months old and must be moved from my credit as they are destroying my credit score.
Product: Credit reporting or other personal consumer reports

Kindy double check whether or not these inquiries are accurately reporting on mine because these companies have been accessing my report without my permission.
Product: Mortgage

On XX/XX/XXXX I received a letter from Carrington Mortgage stating they are intending to start the foreclosure process, They are stating they have not received the XX/XX/XXXX and XX/XX/XXXX payment. On XX/XX/XXXX I purchased cashier check serial number XXXX in the amount of {$750.00} and mailed it to Carrington Mortgage. On XX/XX/XXXX I received a letter from Carrington Mortgage stating they did not receive a physical check for the loan but they included a copy of the front and back of the cashier 's check ( listed above and that it had been processed. They also included a copy of a ledger and offical check from XXXX XXXX XXXX  dated XX/XX/XXXX in the amount of {$1100.00} regarding a XXXX XXXX loan number XXXX. The ledger showed both payments listed above. I responded with a letter dated XX/XX/XXXX regarding the above and copies of the above documents and the cashier 's check dated XX/XX/XXXX. I received a letter on XX/XX/XXXX from Carrington Mortgage stating The Loan Administration Support Department was investigating this situation and would give me a response on or before XX/XX/XXXX. On XX/XX/XXXX I purchased a cashier 's check serial number XXXX in the amount of {$750.00} and mailed it to Carrington Mortgage. I included the documentation from XX/XX/XXXX along with the letter dated XX/XX/XXXX and a copy of the LATE charge I was charged for the XXXX payment that wasn't properly applied to my account. I contacted my bank today and verified that the XXXX payment was processed and cleared from my bank account, The XXXX payment had not been processed yet. I would like for Carrington Mortgage to process the payments and remove the late fees to the account. The Mortgage Information is as follows XXXX XXXX XXXX XXXX XXXX XXXX Loan Company XXXX Carrington Mortgage Services , LLC XXXX XXXX XXXX XXXX, IN XXXX
Product: Prepaid card

I bought an {$100.00} AMEX e-gift card in XX/XX/2023. I have tried using it on numerous websites and in stores and it always is declined. I have called the number provided numerous times and I either cant get through to someone or the person cant help me figure out why it wont work. In XXXX I called to ask for a refund and the person was unable to do so. I regret purchasing this and Im beyond frustrated that their customer service is so poor and that I essentially spent {$100.00} for something I cant use anywhere.
Product: Credit reporting or other personal consumer reports

COMPLAINT FOR CFPB XXXX  REMOVER LATE PAYMENT ( ( XXXX XXXX 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 XXXX Account Number : XXXX Date of Late Payment : XXXX " I have submitted three separate disputes to EXPERIAN regarding a late payment reported by [ name of the creditor ]. In each dispute, 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 ) ), explaining that the reported late payment is inaccurate for the following reasons : [ include reasons ]. Despite my repeated efforts, I have not received an adequate resolution to correct this issue, which continues to unfairly impact " my credit history. '' " I am deeply concerned about the error in your records showing a late payment, as I am confident that I fulfilled my obligation on time. This may be due to an administrative mistake or a failure in your processing system. I am requesting an urgent and thorough review of my payments, as an incorrect report could unfairly impact my credit history. As a responsible consumer, I always ensure my financial commitments are met, and I trust you will correct this error before any further action is taken or my credit is negatively affected without justification. I appreciate your prompt response and correction of this matter.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an error being reported on my credit file from the creditor XXXX The account is being reported 30 days late in both XXXX and XXXX. My payments are {$32.00} per month. I pay more to cover the next month sometimes, which was the case in XXXX. However, the late is being reported when I never was more than 30 days late for neither XXXX, XXXX or XXXX ( see receipt copies ). Please assist with correcting as this is having a very negative impact on my credit report.
Product: Credit card or prepaid card

I acquired this Capital One credit card in XXXX. Eager to sign up with their web payment service, their website arbitrarily introduced an interface from Credit Wise, a credit reporting vendor they have teamed up with, that I unknowingly signed up with thinking I signed up with Capital One in part due to their logo appearing on the Credit Wise site. 
Unfortunately, they were NOT the same company and as a result of signing up with XXXX XXXX, the ability to sign up with the actual Capital One website was curtailed in cyberspace. So much so that I had to get a level 2 supervisor on the Capital One tech support to resolve my inability to sign up with them. She did and walked me through deleting my new XXXX XXXX account and told me to wait for XXXX XXXX to purge my data. This purge would take 10 days after which, she, XXXX from XXXX, would call me and we would set up my true Capital One account. She called and we did. 
Unfortunately, at the time during this ordeal, I was stuck in the ski ranges of Colorado prior to XXXX calling me and could neither make a payment via the web nor call their phone from any of my or my associates cell phones as we were in a cabin on vacation skiing in Colorado thousands of feet above cell service. All we could do was text. Upon my return, XXXX called and the account went through and I made my 1st payment thinking all was well. It wasn't. Capital One dinged me for a 30 day late payment. No other card has done that as all of my accounts are exceptional having been opened in or around the same months. ( see attached ) As a banking professional, I take great pride on having an excellent score and am accountable for my choices. Yet in lieu of the absolute mess up this ridiculous company has foisted upon many of its 's customers, I will not sit idly by and allow this mark to remain! 
Capital One need to remove this immediately!
Product: Debt collection

Recently, I submitted a credit dispute via XXXX Account. To which, this was the only credit bureau displaying closed accounts by XXXX XXXX XXXX XXXX XXXX XXXX XXXX The two amounts were for the amounts of {$2500.00} and {$2600.00}. 
Facts of this matter, I disputed both separate/ collective accounts XXXX, and they both were completed by XX/XX/XXXX. I asked that these harmful documentations of closed accounts be removed from my credit report being that my student loan situation with guarantor XXXX has been corrected/reconciled. XXXX once had my account in closed/ collection status, and now lifted to open/good standing status ( consolidated account ). I expressed this through my recent dispute with this collector and they refused to correct my status as if I had a personal obligation to fulfill with them. I have no contractual agreement with ACS nor did I with XXXX XXXX. For whatever business they conducted upon the collection of my account was between them, to my lack of knowledge. The purpose of collection is to recover delinquent/ default accounts sold. This is not the case here. It seems they simply want to be compensated for their acquiring of this account, but I am not the responsible nor obligated party to compensate their interest. Furthermore, if this company is a decon to XXXX XXXX as stated, they would follow suite of the credit bureau accounts dropped against my case recently by XXXX XXXX themselves. On the date of XX/XX/XXXX, I directed a complaint towards XXXX, and the results would unveil an updated report with them removing themselves from my account in totality in weeks from the response date. Why should this act not be followed by the deacon of XXXX XXXX as ACS stated? My screenshot attachment via XXXX would reveal that ACS is my only closed/collection mark involving this case. To also shed anotheer element of light upon this case, I also found it suspicious that I was not able to find any information on this company via XXXX search. So, there has not been any contact amongst myself and this 3rd party either. I have not asked for too much, but only what is just for the betterment of my credit growth, as this has effected me for too long. It should also be noted that I was placed under default erroneously, I was XXXX from XX/XX/XXXX to XXXX [ Attachment Included ]. There was no contact between myself and the lender. This was corrected later, which is why we are currently having this dispute.
Product: Credit reporting or other personal consumer reports

My information was used to open a personal student loan with Sallie Mae as a cosigner. I found this information on my credit. Sallie Mae refused to take this information off of my credit. They failed to share information where I approved my information to be used as a cosigner. They go through so many measures to make consumers pay for loans by calling my home, my job, emails and text messages however no one from Sallie Mae verified that it was myself that cosigned for this loan. I feel like that is fraudulent on Sallie Mae 's part for not verifying that the cosigner information was valid. I can not afford to pay it and they are threatening to sue me and report negative to my credit report. They want their money, they do not care about me sharing that i did not give permission to use me as a cosigner.
Product: Debt collection

On XX/XX/2022 I received the following text ; " Please contact MRS Assoc. at ( XXXX ) XXXX regarding a matter for XXXX. MRS is a debt collector. If you want to opt out of future text messages reply with STOP. Visit us at : XXXX XXXX XXXX  '' There is no indication what XXXX  company is involved, nor is there any information provided to indicate the account belongs to me. The debt is not mine.
Product: Debt collection

Hello, I filed a complaint last Spring in regard to Portfolio Recovery a debt collection agency for XXXX XXXX Bank. Complaint # XXXX. Please see previous complaint below. 

I received a letter from Portfolio Recovery Associates that I owe XXXX for a card from XXXX. I explained that this card or one of 2 accounts is fraud, because I only had one XXXX XXXXXXXX card that I authorized and used in the amount of XXXX and I am currently paying that debt with another company, XXXX XXXX XXXXXXXX who is the Legal representative for XXXX XXXX. That amount is XXXX. I am being harassed for an acct that has not been active since XXXX, 7 years ago. I was told Portfolio Recovery sent many letters to old address that have I have not lived in years, both of which I moved due getting robbed of mail and personal BELONGINGS. Someone may have opened the account at that time without my knowledge or permission. The debt of fraud refers to acct # XXXX. 

The case was closed. I received a prior response from you all and mailed to them. The card is over XXXX XXXX XXXX. I paid a debt to another XXXX XXXXXXXX card via XXXX XXXX XXXX that I know I was responsible for. However, this company XXXX Portfolio Recovery ) has again started mailing me to pay a debt of {$5800.00}. I didn't hear from them after I mailed the results of your agency 's response. As of today XX/XX/XXXX, I am once again receiving these letters and phone calls. 

I do not feel I am responsible considering this was a fraud, I believe I was robbed at an old address as stated in the previous complaint, I have never had 2 XXXX XXXX credit cards with a XXXX limit. Also, this card has past the timeline for collection. 

Please assist in anyway as this is harassment. I will send any supporting documentation if needed. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Ive made four loan payments all on time since XXXX. The first payment interest was correctly applied {$200.00} towards interest XXXX towards principal total payment {$690.00}. The next payments on XXXX and XXXX XXXX all went to interest nothing to principal. Interest rate is 23.75 %. And this last payment on for XXXX XXXX went to interest and XXXX went to principal. Ive called them twice trying to get this fixed or find out whats going on and have gotten no explanation why and saying that its correct when obviously its not. The company is Westlake financial
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX BANK XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax 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 : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date.

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I wanted to place a credit freeze on my SSN through equifax. I made an account but on these website when you click to place a freeze it says unable and to contact customer service. I called the number on the website. I went through the automated service and answered all the questions including the a code sent to my phone and the automated service said they couldn't authenticate me. I spoke with an agent on the number provided at the website, the agent wanted me to mail in a copy of my SSN and drivers licence to a PO box . The PO Box the agent provided was not the same PO Box on the website, when i told this to the agent she said ignore the website as it has on going errors. Furthermore the fax number provided by the agent was not the fame fax number on the website. I told the agent this and she said to ignore the website. When i asked for a local equifax office in Iowa they said they could not provide it due to security and privacy concerns. 
The other two reporting agency 's - XXXX, and XXXX  made it very easy to place the credit freeze. I made an account and there website worked great. 
I have concerns about the equifax website and its complaince the the FTC in allowing consumers to place a credit freeze. Which i am unable to do with them. Because of the conflicting information on their website and that provided by there customer service i feel this needs to be explored. 
thank you
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against EXPERIAN for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ).

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by EXPERIAN. Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by EXPERIAN about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require EXPERIAN to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

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

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XXXX The following inquiry was not authorized and should not be reporting.