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 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 Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by 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 : The reported late payment is inaccurate as I made my payment on time. I have included bank statements showing the payment was processed before the due date.

Account Closure : The account was closed at my request, and no late payments occurred at the time of closure. The reported late payment misrepresents the accounts closure status. Ive included the closure confirmation showing that the account was paid in full before the due date. 
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

requested a copy of my report on the XX/XX/XXXX and how come I still have these accounts under XXXX XXXX? You need to provide me a copy of these accounts. You stated that these are/were accurate and verified. Who verified these? XXXX XXXX couldnt provide me any proof. I contacted them several times, but they could not give me any proof or a copy. 

These accounts from XXXX ( already closed ) and yet you failed to give me any information. How do I settle this? when you aren't giving me anything to settle with.
Product: Debt collection

Hello, On XX/XX/XXXX, I logged on to Klarna because I wanted to make a purchase with my purchasing power of {$650.00}. I went to use it but received a notification that I had a balance due on another account. I was confused because I only have one account. I spoke with the chat and they were no help. They informed me of an email address I don't know. They filed a dispute. 
I called the XXXX # and XXXX helped me change my name and informed me that someone else had a similar name and the same birthday as me ( XX/XX/92 ). I would like this removed. It is not me. I would like my purchasing power restored.
Product: Checking or savings account

On XX/XX/2022, my debit card was charged {$10.00} from a merchant that was unauthorized. The charge was unauthorized because I had returned the item to the merchant, but yet they still charged my debit card for the item. I disputed the transaction with Chase bank, and they chose to deny my claim. I even provided a tracking number showing when the returned item was delivered back to the merchant. I've tried contacting the merchant, but I was told to get my bank to resolve the issue. Why was my disputed transaction claim denied when I told Chase bank that the transaction was not authorized? I even provided proof of the product being delivered/returned back to the merchant.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX has violated my rights. 

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 an 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here are the details : XXXX XXXX Bankruptcy XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN FAIR TO FOLLOW GUIDELINE UNDER THE FCRA EXPERIAN REFUSE TO REMOVE ACCT OFF MY CREDIT REPORT BK # XXXX THEY KEEP SAID THEY validated XXXX XXXX IN request FROM, I have gave them for chances to get it right
Product: Debt collection

XX/XX/2018 XXXX : I owe no monies to XXXX City of XXXX or your collection agency and I have no intention of paying {$1.00}. In fact, the hospital owes me {$300.00}. 
I am XXXX I am Medicare I live in XXXX XXXX Housing I am certified XXXX by the State of Texas I live on Social Security Income. 
I have no assets I own XXXX, XXXX in Credit Card Debt. 

The amount in question of {$520.00} is a Medicare Bad Debt reimbursable to the Hospital as a claim to the Federal Government on their annual Medicare Cost Report that they file with the Medicare program. The hospital has an XXXX policy and is only required to make reasonable collection efforts per Medicare Law as explained in the Federal Regulations as explained in the Medicare Reimbursement Manual which I have attached. The Hospital and your firm are forbidden by Law to harm a Medicare recipient by turning an unpaid account over to a Collection Agency who in turns reports the amount to Credit Bureau which hinders a Medicare recipient from obtaining housing due to a delinquency on his credit report. I can not be harmed financially when I am unable to pay. 
Since I am unable to pay, you are required by Federal Law to  return the account back to the hospital. Further collection effort has been exhausted by law and you and the hospital are breaking Federal Law by damaging me in any way from obtaining housing by reporting the amount to any Credit Bureau. 

I have attached the appropriate section of the Provider Reimbursement Manual governing the reimbursement of Medicare Bad Debts by the Hospital. And because your company and the hospital are fully knowledgeable and aware of this Federal Policy about the Federal Law regarding a Hospital claim for Federal Reimbursement for a Bad Debt related to a Medicare recipients Deductible and Coinsurance, you and the hospital are in violation of Federal Law and are now being reported to the Consumer Finance Protection Bureau. 

Furthermore, the hospital extorted {$300.00} from me before my operation when they knew I was XXXX. Therefore, the Hospital can now be sued in Small Claims Court in XXXX County, Texas which I intend to do along with a claim for XXXX my XXXX XXXX XXXX in an operation at their facility.
Product: Mortgage

My mortgage was purchased from XXXX by PennyMacUSA at the end of XXXX 2015. I 've called support, emailed support, filed a better business bureau complaint, and I can not get PennyMac to assist me with online account access to view my mortgage information. When I called support, the support representatives have told me that the website does not work and that they get a lot of complaints, but that there 's nothing that is currently being done and no way to assist in providing me with online account access. I request an account reset from the website and never receive an email to reset my login which is not working and I also never received a response to my complaint I logged via the website. It 's not fair to me as a consumer for my loan to be purchased from a company that provided me online account access and responses to my inquiries to PennyMacUSA which does n't meet a basic standard level of service and support. 

There are many complaints all over the web with other consumers faced with this same situation - PennyMacUSA bought our mortgage loans and has failed to provide a basic level of service of the previous mortgage lender.
Product: Credit reporting or other personal consumer reports

I have been checking my credit report regularly and keep finding a lot of errors on it, inaccurate information everywhere. This has been a regular occurrence on my report and my requests to correct it keeps getting ignored and it is extremely distressing, it's affecting my life and my credit score negatively.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I had a balance of {$600.00} in my VENMO account, I have transferred money several times over the past year and it has always gone to my XXXX XXXX XXXX account. I didn't know I still had an account linked to my Venmo account under XXXXXXXX XXXX When I initiated the transfer, the money went to the XXXX account. I have not been a XXXX  customer in years so when I realized this happened I called Venmo and they told me that the money had been successfully sent to XXXXXXXX XXXX  and that I must call them and sort it out. I called XXXXXXXX XXXX  on XX/XX/XXXX and gave them the Venmo trace number to confirm the money was sent to their bank. They then gave me another trace number that stated XXXX refunded the money back to Venmo because the account does not exist and therefore they couldn't receive it. I have been calling Venmo periodically since then and speaking to an account specialist who is not able to help me track down my money. I have received email responses on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX saying that the amount of {$600.00} was successfully sent to XXXX. I have called XXXX and given them my social security number to ensure that I do not have an account with {$600.00}, let alone any money in it, and I have been told 'no ' each time. I called on XX/XX/2023 and XX/XX/XXXX. 
I want to know where my money is, and no one really seems to be helping. I can not get any more information out of Venmo or XXXX and I feel very helpless and out of a lot of money. I am frustrated and would like someone to help me and not just email me that the money was successfully transferred. It was clearly refunded, so I would like to know where it went.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  DEALER Inquiry date XX/XX/XXXX XXXX/XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX  XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Product: Checking or savings account

XXXX dollars was transferred in my accounts while XXXX was in the hospital with XXXX XXXX by my ex boyfriend. I didnt have access to my accounts but Chime approved my disputes for the transactions but not the transfers. When I provide proof. I had XXXX  and XXXX XXXX didnt get access to my accounts until XXXX or XXXX all the transfers were done while I was in the hospital
Product: Debt collection

I received a bill from Paypal Credit in XX/XX/2016 for {$110.00}. As I have not used Paypal for anything in over a year I called the phone number on the bill and asked what this bill was for. I was told I was calling their debt collection department and that the bill was for a purchase made at XXXX. I explained that this must be a mistake on their part because I do not go to XXXX and have not used my Paypal account for a really long time. They were unable to provide a phone number or a signature associated with this charge but offered to check to see if it was fraudulent charge. I received a letter a few days after that, saying the did not detect any fraud in this case. Again this month I received a bill from Paypal this time for additional charges of {$35.00} late fee and {$2.00} interest charge. I have looked up my account through the Paypal website because I was considering reporting the incident elsewhere, to see if I could find any information about the transaction myself. The website stated no transactions have been made to my account in over a year! I was unable to print a copy of this with the name of the website visible or I would have sent this in. Since Paypal continues to bill me for a charge a did not make, I would like some intervention by the CFPB in this matter. I am also sending copies of the bills and the letter I received from paypal.
Product: Student loan

Just received information about the lawsuit filed against XXXX to repay the loans that students took out based on their illegal predatory lending partners. I took out a private loan via XXXX XXXX when I went to XXXX XXXX in XXXX XXXX, New Jersey. The post-graduation hiring rates were vastly lower than expected, most of my classmates actually went on to work in different fields than that which they studied at XXXX. The " teacher '' must have had little to no teaching credentials seeing as the in class book work was rarely done properly. At the end of my program, expecting to receive more assistance than I did from the career services department, it took me months to get hired at all, and I spent the first month of employment working at an location who had no previous affiliation with the school and whose method of operation was horrendous. I was hired at my current location based on a recommendation by a previous classmate. This location had an affiliation with the school and offered a loan repayment incentive for all graduates of XXXX. XXXX services, however, did not mention that I had to be hired before graduation and also did n't push me to see this employer before graduating. I did not receive this loan repayment incentive and am now having trouble paying this loan back while I 'm also paying back my federal loans. I am being harassed continually by their collectors. My phone rings at least XXXX times on a slow day with them calling me. They have called me at work and at all kinds of obscene hours, both too early and too late in the day. I have tried to reach out to a loan forgiveness program when I heard that a classmate of mind received information on reducing her private loan debt, but the information was a dead end. I feel that XXXX did not hold up their end of the bargain and fed me to the sharks with this private loan. And now, since the lawsuit against XXXX XXXX has been taken up XXXX XXXX XXXX has since transfered it 's loan accounts, or at least mine to University XXXX XXXX, XXXX. I have been out of school since 2013 and paying back my loan since then, now having made payments to XXXX different companies and yet have only started to make a dent in the principal balance I borrowed. I have been paying them interest, emptying my pockets to line theirs and have been digging myself deeper into debt. I would like some retribution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempts were made to qualify for a personal loan. The Credit Union denied my application due to derogatory and erroneous information stated on a credit report provided by Experian. Information/reasons noted, Number of accounts with delinquency ; proportion of loan balances to loan amounts is too high ; length of time revolving accounts have been established ; and too many inquiries last 12 months. 

I have NO delinquent accounts ... nor have I had a history of any delinquent payments. I have only ONE loan for a XXXX vehicle. The payment is 5 % of my monthly salary. It's a recent loan, which would justify the loan balance to loan amount ratio. However, it is a $ XXXX vehicle and the loan amount is $ XXXX. My home is paid in full. I have no other obligated payments and/or charge cards that are not paid in full at the end of each month. And I'm unsure of the validity of a high quantity of credit inquiries if they are not established loans. 

This credit rating has placed me in a bad rating category and I have tried every means possible to contact Experian for a dispute resolution. There is absolutely NO means to speak with a person. The automated system only provides on line instructions. I've contacted the credit union as well. They made every attempt to locate a number or means for resolution with Experian. They provided two phone numbers that also proved unsuccessful. Experian makes it impossible to be reached. 

I would like " SOMEONE '' at Experian to explain how the company came to the conclusion I should not receive a loan and the reasons they provided to the credit union. I've obtained a credit report from their website and there is NOTHING to indicate the information contained in the letter I received from the Credit Union to justify Experian 's reason for disapproval of my loan request. The ONLY detrimental information contained on the entire credit report consisted of ONE late payment in XXXX, which belonged on a card I did not possess. PERIOD!
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ date of first dispute ]. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.
Product: Credit reporting

My complaint is with Trans-union, XXXX, XXXX. Improper use of my credit report. They are reporting a bk on my report I called the court, and court does not validate or verify that information. That information was pulled from a third party, Therefore its in-accurate and now must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm written this complaint because I am a victim of fraud and the company name are XXXX XXXX in XXXX Alabama got on my credit report that I owe them I never had any account with the agency I call the credit bureau XXXX they remove the fradulent account but Equifax I made a dispute with them somehow the fradulent account still report and I have a fraud alert on my account this account still reporting to Equifax I want it remove from my credit report this not my account
Product: Mortgage

I am suffering through a very serious injustice and I need your help in correcting the actions of my mortgage servicer, Freedom Mortgage. XXXX XXXX was my loan servicer, but they transferred my loan to Freedom Mortgage, but I was never advised of the transfer. My mortgage payments were made automatically through my bank account and I never really paid attention to whether or not it was paid because I had never missed a payment in eight years. However, when the loan transfer occurred, I had no knowledge and the payments did not automatically go to my new servicer. When I found out that there was a problem, I immediately contacted Freedom Mortgage to make the past due payments, but they said I had to contact their attorney because my loan was already in default. When I contacted the attorney, I was told to address my issue with Freedom Mortgage. 

This was in XXXX of this year and they have put me on a rollercoaster of bad advice and dead end service. Every attempt I have made has not brought any solutions and I have reached the end of the road with them. This situation now has spiraled out of control and I am now powerless against my mortgage servicer after being put in a situation which I did not create and can not fix on my own. I am hopeful that you can help me deal with this situation before I lose my home through foreclosure.
Product: Debt collection

I have received XXXX phone calls from a XXXX XXXX XXXX at XXXX XXXX. In my XXXX dealing with XXXX XXXX he claimed that I had a debt on an XXXX credit card in the amount of {$3000.00}. I informed him that I had just pulled my credit days prior to his phone call for a mortgage and that credit card shows a zero balance and has been cancelled. He told me that the debt is mine and must be paid. I asked him what his address was so that I could send a verification of debt letter. He refused to give me his address claiming I could be some sort of " whacko '' and " how did he know I was n't going to send him some sort of threatening mail. '' I assured him that all I wanted was his address. He refused. That 's when he told me he would sue me and file a lawsuit in the state of XXXX. He 's in XXXX. I then said if you ca n't supply me your address, I ca n't work with you. He called back yesterday claiming my drivers license would be suspended and that my wages would be garnished. I again asked for his address.. he again refused to give it to me. He then called back and left a voice mail stating he would settle the debt for {$2000.00}. He again threatened a law suit in the voice mail. Then on XXXX XXXX at XXXX XXXX XXXX XXXX called again threatening to file a lawsuit on Monday if I did not pay him his money. He then informed me that my fees would go up in excess of $ XXXX. XXXX XXXX is not giving me an opportunity to validate my debt.