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 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  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian 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 : Timely Payments Made : I submitted my payments and prior payments on the due dates, with confirmations showing the payments were processed before the due dates.

Clerical or Processing Error : There appears to have been a clerical error or delay in processing my payments on XXXX 's side, which resulted in the account being marked as XXXX and 60 days late. Despite providing bank statements and payment confirmations as evidence, this incorrect late payment entry remains on my report. 
No Notification Received : I never received any notices or warnings from XXXX regarding these supposed late payments. This lack of communication further supports the claim that the late payment entries are erroneous and should be removed. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and noticed that everything was still the same. The consumer reporting agency which is Equifax did not modify or remove anything. 

The date open is not correct, the date active is not correct on all 3 credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attached all 3 credit reports to show the discrepancies and on how Equifax violated my rights.
Product: Debt collection

Hello, I'm XXXX XXXX. There are inquires and collections on my credit report that happen to be a result of identity theft. Please remove them from my report. Thank you and best regards. 

XXXX XXXX XXXX {$370.00} Capital One Bank USA {$130.00} Inquiry XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX. 
XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$370.00}, {$11000.00}, {$9900.00}, {$14000.00}, {$4600.00}, {$31000.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$370.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9900.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

7.  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

i have inquires all made on XX/XX/year> they are all fraudulent i did not open any of those accounts.i have filed a report with the ftc for fraudulent activity
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FRCA the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have acknowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on this account is still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. 

Account : XXXXXXXX XXXX XXXX
Product: Debt collection

Notice for Proof of Claim Account : Southwest Credit System, LP  BAL {$420.00} To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was  manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill,  or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit reporting or other personal consumer reports

XXXX refused to accept any payments. They redirected me to XXXX XXXX. I paid the debt in full and have requested Transunion and XXXX remove the negative remark from my credit report. None of the XXXX have responded. XXXX is reporting a bad, charged off account which is inaccurate and unlawful. Please respond to my request expeditiously as I have been attempting to settle this for over XXXX months without any results.
Product: Credit card or prepaid card

XX/XX/XXXX {$4500.00} purchase. Sears Home Improvement salesperson stated that new account was approved with 18-month finance free promotion.

I have been making monthly payments of {$260.00} to ensure that the total balance is paid off prior to the 18-month promotion expiration.

XX/XX/XXXX {$39.00} interest was charged to the account for the first time.

I have emailed and spoken by phone to approximately 10 different individuals who have not been able to assist with this matter. Either the account was established incorrectly, or the salesperson engaged in deceptive credit practices.

I have requested that the account be closed immediately, and I will pay the balance in full ( less the {$39.00} interest assessed in error ).
Product: Credit card

Synchrony bank is a fraudulent bank. 

I made a payment for my Amazon store card for {$360.00} for XX/XX/XXXX. My minimum payment is {$110.00}. I still kept getting an email saying I needed to make my monthly payment after the due date. Me thinking the payment was not made proceeded to make another payment. There is nothing on there website alerting that you are making a duplicate payment and after a payment is made there is no way to cancel it. I make the another payment. Only after making the payment you are directed to another screen that shows the duplicate payment. When you call them you are directed to go and resolve the issue with your bank. 

The same issue has now happened again with my Synchrony Home account where I have duplicated a payment of {$250.00} for a total sum of {$500.00}. There is no way to cancel it. This means, I will be unable to pay my monthly mortgage because of this. 

This is just a fraudulent and bad company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent initial dispute requesting for the bureaus to verify some accounts and shows that the investigation never took place. I know that the investigation never took place for XXXX XXXX and XXXX XXXX because it does not show in the comments that this account was ever under investigation nor does the status update shows that it was ever investigated. Then on XX/XX/XXXX sent another set of disputes requesting information on these accounts which are attached below and never shows updated for the status or in comments. The Bureaus are definitely in direct violation and at this point due to passing he timeframe allowed for the investigations, I'm requesting for deletion. Attached is proof that these accounts were disputed but never investigate. If the bureaus choose to now try an investigate these accounts I would like documentation and method of investigation and contact information. 
Also attach is my DRIVER 'S LICENSE AND PROOF OF RESIDENCE, with this information and complaint I am giving full authorization to investigate this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a XXXX customer since XXXX with my student loans. I have always been on the Income-based Repayment Plan as I was working internships after college. In XXXX of XXXX I applied for my new Income-based Repayment Plan and foolishly " assumed '' the payment would be {$0.00} as it has been since my graduation in XXXX of XXXX. From XXXX when I applied to current time, I have received NOTHING from XXXX  about payments, delinquent payments, last chance for payment or anything! However this past XX/XX/XXXX, I received an update from XXXX XXXX that I had two months of missed payments on my ten accounts! The total of these student loans is {$41000.00}. My credit report now shows 90 and 120 days late on my payments for the months of XXXX and XX/XX/XXXX. So far I have called XXXX repeatedly and sent hand written letters three times to the Credit Bureau which " only accepts hand written mail. '' I am up to date on payments and set up automatic payments immediately upon receiving notification from XXXX XXXX. XXXX had the incorrect phone number that I didn't even recognize and incorrect email however they had the correct physical address! During the time of XXXX to XXXX I received physical mail about pre-approval for new loans through XXXX and consolidation options but nothing about the status of my current loans. I updated my info and in their records I am in good standing. However I am on dispute number two with TransUnion to have the delinquent payments removed from my credit report as it was not my fault they were not paid. I never got a chance to pay my bills because they never contacted me. TransUnion is happy to remove the delinquent payment request as it was not my fault however they are waiting for XXXX to contact them and I have tried to contact XXXX but feel I am stuck exactly where XXXX wants me. This has severely affected my life as I can not get approved for loans, credit cards, apartments, gas/electric or even internet because my credit score is  around. Before this incident I had never been late on a payment, paid off my credit card multiple times and was on top of my student loans however now I have to rely on my girlfriend to get approved for things. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNTS ARE NOT MINE. 
1 ) XXXX XXXX Partial Acct # XXXX 2 ) XXXX Partial Acct # XXXX .... 
3 ) XXXX XXXX XXXX Partial Acct # XXXX .... 
4 ) XXXX Partial Acct # XXXX .... 
5 ) XXXX Partial Acct # XXXX .... 

I DONT KNOW WHATS GOING ON BUT NONE OF THE ACCOUNTS LISTED ARE MINE THEY SHOULD NOT BE ON MY CREDIT REPORT.
Product: Debt collection

I have been contacted by a very rude, harrassing and disrespectful lady from these phone numbers XXXX and XXXX at least 6 times today. She has left me very threatening and serious voice messages on my cell phone and on my work phone. I work for a XXXX XXXX and she is threatening to contact Human Resources to have my wages garnished. She also threatened to take police action against me, take me to court, have me served in public, contact my neighbors and my family members. All I asked her for was a validation notice for this " debt '' from 2011 and she has gone out of her way to threaten me. I was in the process of giving her my email address so that she could send me the validation notice and she did n't like that I was spelling out my name for her. She has called me at work requesting the fax number of Human Resources. And then she left another voice message pretending to be talking to someone on the other line saying " yeah at least now we know where she works. '' I will be informing the XXXX PD at the XXXX where I work so that they can be aware.
Product: Credit card

XXXX credit card opened fraudulently. Now my wages are being garnished 10 years later for this for a credit card that was opened in my name 10 years ago per collection agency
Product: Mortgage

Fay Servicing LLC is a debt collector and my loan servicer. They are not assisting me. I have made mortgage payments from my previous XXXX servicer and have paid my mortgage payment all of this year yet my balance continues to increase by the thousands with each monthly statement. 
On XX/XX/2022 @ XXXX pm someone at Fay Servicing called me. They didn't tell me why they were calling. I told them on a recorded line that I need loan modification assistance and was put on hold while they connected me to that particular department. After 5 minutes the person got back on the line and told me to read the XX/XX/XXXX letter they sent me to them. I told them I was driving but they insisted I read the letter to them. Then they said they had to read the letter for themselves. I expressed to them that this is a recorded line. They then said they will call me back. This is not servicing it is just harassment. They did not tell me why they were calling. Again I am looking for loan modification assistance due to financial hardships. Thank you for your assistance.
Product: Debt collection

I went into XXXX to to open a family plan with three new phones on XX/XX/22. The process took longer than we thought so I stayed at the store while my Mom ( XXXX XXXX XXXX took my sister to her lesson. 

The billing was to be put under my Mom 's account which I provided her credit card and billing was immediately confirmed under her account. However we started receiving billing under my name. My Mom confirmed with XXXX that it was processed incorrectly and that all billing should go to her and it was confirmed to be fixed. 

I received a letter from " XXXX '' on XX/XX/XXXX that there was a balance of {$180.00} on my name. My Mom called XXXX and they confirmed that it had been rectified. Another letter came on XX/XX/22 stating that I now owed {$99.00}. My Mom called again and they said they didn't know why that one was sent at all but it was all fine. 

I received a call from XXXX  on XX/XX/22 saying they were the debt collection and confirmed my name and the last four digits of my social security number. My Mom called XXXX and talked to XXXX in Customer Service who said that the account listed was closed and there's nothing showing on the account and to go into a store and close the account with photo ID. I went into the store today and they said there was nothing to close as they didn't have that account number. 

I called into the customer service number they provided and talked with XXXX. I conferenced in my XXXX and XXXX confirmed that the account # XXXX did not exist under my name nor was there any outstanding bills for me. 

We then called XXXX and spoke to XXXX who would not verify who she was calling on behalf ( XXXX ) and hung up the phone on us when we tried to get more information as she insisted she needed to verify name and social security number before moving on. In fear, we decided NOT to provide that information and instead, file a complaint with your organization.
Product: Credit reporting

unable to get accounts closed/removed with submitting documentations to credit bureau. in addition att sent a bill to collections that was a error of there. has since been retified but going to to 30-90 days to get it off credit report. every time I find errors its another 30 days with an open dispute..
Product: Credit card or prepaid card

Not only am I an essential worker bringing in a paycheck weekly but Ive never missed a payment on any of my accounts in my credit history. Nothing in my credit report changed and for some reason I received an 80 % decrease in my available credit overnight with no explanation or warning!!! 
I have made over 15 calls because I would love the opportunity to keep my card and the benefits, but still no resolution. Worst customer service I have ever received. Not only have I spoken with numerous representatives from American Express several of them even told me that the situation doesnt sound right.Im horribly disappointed with American Express and lack of help, especially because I have been a customer for over 5 years and have always paid my cards off in a satisfactory manor. I will be switching to chase or another reputable credit card company because for some reason their pre-approvals are over {$5000.00} more than my original limit ... which btw was decreased 80 %! This just doesnt make any sense to me. I work in the XXXX  industry as a XXXX  XXXX and it sounds like a direct violation of the equal credit opportunity act as they are refusing to reinstate my limit even though I qualify. Theyve also countered offered with terms that are less favorable than those terms offered to someone with similar qualifications.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

There is a number that keeps calling me and my family members requesting I call them with a claim number ( XXXX ). I have called them back twice. The first time I called they answered the phone " legal department '' the second time I called they said " mediation department ''. They claim I owe debits to a payday loan company from several years ago. I have never done business with any of the companies they claim I owe. The stated if I did not pay the " settlement '' then legal action will be taken against me. They could not provide further informaton about the loan in question. I do not owe this debt and they continue to call me and my family members. I can not get them to stop. They do have my personal information. When I asked them the name of company they work for I was told it was XXXX XXXX out of XXXX Maryland I do not know how to get them to stop and protect my information.