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 TransUnion 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 and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion 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 : 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, TransUnion 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 or other personal consumer reports

On XX/XX/2023, I received a letter from my loan servicer, MOHELA, via USPS, regarding forgiveness of my loan ( s ) in full ( see attached ). The letter states that the entire balance of my loan ( s ) have been forgiven in full. It also states, on page two of the letter, that MOHELA has or will " by the end of the month '' notify " all national credit bureaus of [ the ] student loan forgiveness ''. However, MOHELA did NOT notify the credit bureaus of the forgiveness by the end of that month, and my account balance and account status continue to show the full balance due and an active and open account. On XX/XX/XXXX, I submitted a dispute with the credit bureaus, and provided the information sent to me by MOHELA, including a copy of the letter I received, referenced here. The credit bureaus investigated and contacted MOHELA. The credit bureaus investigation reported that MOHELA affirmed to them that the information MOHELA was reporting to them regarding my loan account balance and account status was accurate and correct, when in fact, it is not - per their own letter to me and the account balance showing currently on the MOHELA account system. I then contacted MOHELA directly. MOHELA representatives told me via a phone conversation on XX/XX/XXXX that although my loan has been forgiven, in full, and the account balance IS XXXX, that reporting that information to the national credit bureaus would take up to XXXX  days. I pointed out that the response contradicts the information in the letter promising that they would report the change to the credit bureaus " by the end of the month ''. I was then told that MOHELA would not be " expediting '' any reporting, and again was told that it could be up to XXXX  days, which would be by the beginning of XXXX. It is no well past the beginning of XXXX ( past the XXXX  days ), and MOHELA continues to report inaccurate information on my credit report to all major credit bureaus, showing an active loan account with a full balance.
Product: Debt collection

On XXXX, I was contacted by phone by XXXX XXXX ( XXXX ) from Zenco Collections regarding a debt from XX/XX/XXXX with XXXX. I explained that the debt was not valid as I had returned the merchandise in XXXX and that the debt in question was from 19 years ago. I was informed that the debt was not closed out by XXXX until XX/XX/XXXX and Zenco had until XX/XX/XXXX to collect on this debt. They informed me that if I did not pay a {$250.00} settlement on a {$480.00} debt that could sue me and I could end up paying up to {$4000.00} instead. They were attempting to mislead me that the debt is newer than it is by stating that I 'm responsible for the time between when the lender closed the debt and the end of the statute of limitations, and that the statute of limitations was at least a year longer than it is in the state of NJ, and that I can be sued by them for this debt which dates back to XX/XX/XXXX and no payments have been made since that time.
Product: Mortgage

Loan Care LLC ( who is notoriously difficult to deal with as is ) has been down for almost 2 weeks now and I have been unable to make my payment, which is now late. The website and phones are both down and have been down for ( as far as I know ) 15 days but many reports online say they have been down for almost a month now.
Product: Credit card or prepaid card

Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX XXXX : XXXX XXXX charges entitled " Purchases prior to XX/XX/2019 ''. 

Alarming note that although I have other accounts with Comenity,  XXXX XXXX is the only entity collecting additional finance charges entitled " Purchases prior to XX/XX/2019 ''. 

I requested an investigation, explanation and refund for " Purchases prior to XX/XX/2019 '' finance charges covering period XXXX, without success..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XX/XX/XXXX XXXX XXXX XXXX ( original creditor XX/XX/XXXX ) Account # XXXX, XXXX XXXX XXXX IN ( original creditor XXXX XXXX XXXX XXXX Texas ) Account # XXXX, XXXX XXXX XXXX ( original creditor XXXX XXXX Bank ) Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Texas Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXX/XX/XXXX Bank ( hard inquiry ), XXXX XX/XX/XXXX ( hard inquiry ) 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 also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

This is a second complaint. PennyMac has stated they denied my modification in prior CFPB response because I have not made 12 payments on the loan. This is not what their customer service rep stated and what their denial letter states. " We are unable to offer you a modification because you obtained your loan within the last 12 months. '' I was advised by origination date verbally on the phone and told to reapply in XXXX and both denial letters to do not reference having not made 12 payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Debt collection

I am the victim of identity theft. Someone utilized my name and former address to acquire credit then debt while I was incarcerated. I have called XXXX XXXX many times in an effort to rectify this and they have not been helpful. I asked for debt verification AND validation three times, via certified/read receipt mail sent on XXXX XXXX 2017, and again XXXX XXXX, 2017. They respond by merely sending me a copy of the last bill to that address. I have asked for in writing to send me proof of debt validation from Capital One. I asked for who the name of the person was that they spoke to at Capital One, and the date. I asked for documentation to state they can pursue this debt. A copy of the agreement stating they are permitted to pursue me for this fraudulent debt. I asked for the original contract between Capital One and the " supposed '' debtor. I have yet to receive anything I requested. According to the FCRA, they are not fulfilling my requests from the consumer. I even called XXXX XXXX and offered to pay this debt in full if they please remove it from my credit report as it is damaging my credit which I am trying to rebuild. They would not agree to do so. Please, this is my second complaint against XXXX XXXX. I am a consumer being wrongfully damaged. I am even willing to pay the erroneous debt in full since I can afford it in order for it to go away since it is costly me more financially the longer it remains damaging my credit.. Please assist me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 a account without my written instructions.

also states a consumer reporting agency can not furnish a account without my written instructions. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I never inquiry or allowed to pull my credit report, I am requesting to remove this inquiries from my credit report. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here are the accounts I am requesting be verified for accuracy : Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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/year>
Product: Credit card or prepaid card

I ordered some outfits online paying with my PayPal credit account when I received items from XXXX the items where to small inappropriately to small nd not true to size I contacted company with just a general email asking me for photos with items on to prove they dont fit I responded it was not appropriate to send half XXXX photos since nothing fit I then disputed it with paypal they denied all my claim saying they fit but how do they know it's my body nd the lady at paypal told me to prove it then I tried telling here again they are dresses where my XXXX and XXXX are hanging out nd I didnt feel comfortable going outside in them why would i send people half XXXX photos over seas she didnt know just to say nd refused to transfer me to a manager
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my protected consumer rights to privacy and confidentiality under 15 USC 1681. Transunion XXXX and XXXX is violating my rights I did not give written permission to report this on my credit report 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. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 2016 Office of the Comptroller of the Currency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Office XXXX Department XXXX XXXX, XXXX XXXX Office XXXX XXXX XXXX XXXX XXXXXXXX XXXX CC : XXXX Bank Executive Office XXXX XXXX XXXX XXXX, XXXX XXXX RE : Illegal XXXX Bank Business Practices To Whom it May Concern : 1 ) In XXXX 2016 XXXX Bank refused to honor the advertised {$120.00} Power Up checking bonus. In fact, on or about XXXX XXXX, 2016 representative XXXX XXXX falsely claimed that the consumer did not meet the requirements of the offer, despite evidence to the contrary. 

2 ) The consumer applied for a XXXX Bank business credit card on XXXX XXXX, 2016. In response, on XXXX XXXX, 2016 XXXX at XXXX Bank Cardmember Investigative Services closed without cause and seized the reward points from the consumer 's XXXX existing XXXX Bank credit cards and XXXX credit card issued by XXXX XXXX Bank in the State XXXX. The consumer 's credit history is excellent, as evidenced by several targeted offers and credit line increases extended by XXXX Bank during this period. Moreover, these closures are illegal under XXXX Law : XXXX. Unless requested by the cardholder, no card issuer shall cancel a credit card without having first given the cardholder 30 days ' written notice of its intention to do so. 

3 ) As of today, XXXX Bank has neither acknowledged nor addressed the consumer 's XXXX XXXX, 2016 formal request to reopen the accounts and restore the associated points. 

XXXX bank has demonstrated a pattern of malicious and unlawful behavior designed to fraudulently deprive the consumer of accumulated cash rewards. 

Thank you for your consideration of this consumer complaint. 


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

I am writing to file a formal complaint under 15 USC 1681, the Fair Credit Reporting Act ( FCRA ), regarding an account that appears incorrectly on my credit report. The account in question is closed and was reported by the creditor XXXX ( account number : XXXX Below are the specific issues I have identified : 1. Incorrect information in all three bureaus : The account in question contains errors in all three major credit bureaus ( XXXX, XXXX, and TransUnion ). Despite the account being closed, the reported data contains inaccurate and misleading information that is negatively affecting my credit score. 
2. Violation of 15 USC 1681 : Under the FCRA, consumers have the right to accurate and fair credit reports. By failing to correct these errors despite my previous attempts to resolve the situation directly with the creditor and the bureaus, my right to an error-free credit report is being violated. 

I request that the CFPB take the following actions : * Investigation and Removal : Conduct a full investigation of the errors mentioned and order the removal of this account from my credit report at all three bureaus ( XXXX, XXXX, and TransUnion ). 
* Notification of Results : Provide written notification of the results of the investigation and corrective actions taken. 

I appreciate your prompt attention to this matter and look forward to a favorable resolution that meets the requirements of the FCRA. 

Sincerely, XXXX XXXX.
Product: Debt collection

I have requested multiple times a breakdown of charges and a reasonable settlement. To date I have received neither. Now its at an attorney office most likely increasing the total due unnecessarily.
Product: Vehicle loan or lease

I purchased a new vehicle on XX/XX/2019 and at that time traded-in my XXXX XXXX XXXX that was finance with Consumer Portfolio Services. Consumer Portfolio Services received the payoff for {$16000.00} on XX/XX/2019 for the XXXX XXXX XXXX. I reviewed the payment history information on their ( CPS ) website ( attached ) that stated the total paid was {$16000.00} to pay the account in full. It broke down the total paid into 3 different categories ( Interest {$470.00}, Principal {$16000.00} and Fee 's {$190.00} ) documenting the total paid {$16000.00}. I knew the dealership sent a payoff of {$16000.00} so I was aware I was due a refund around {$250.00} based on the total paid that was documented. I contacted Consumer Portfolio Services on XX/XX/2019 to inquire about the difference in the total paid and the payoff check received. I spoke with XXXX XXXX who advised me she would escalate the account to be reviewed by audit. I called back on XX/XX/2019 and spoke with a supervisor who basically confirmed that the total paid of {$16000.00} was not accurately document nor was the letter that was sent to me by them. They advised me the total paid was XXXX but that was not document in the payment history on my account nor the letter that I received from them. Due to the documentation shows inaccurate information I am requesting a refund/overpayment of {$260.00}. The company did advise me they was going to do a audit on my account to update the correct amount.
Product: Student loan

I am XXXX years old with no money for retirement and my student loan of XXXX is causing me undue financial hardship. My health conditions are making so that I can not longer work extra hours ( XXXX ) to pay for these loans. I have a XXXX in Information and an XXXX that has not paid off and I am in the same job that I was doing prior to taking out this loans so this education has not paid off for me. I also am a single parent supporting a XXXX student that can not match for a XXXX due to the limited XXXX in this country ( XXXX applications for XXXX positions ). I need a lawyer that will discharge this burden so that I can save some money for retirement or I will be living in the streets for sure. I need some help please. I 'm so depressed.I have gone to several attorneys and financial advisers and they can not help me.I need a lawyer that can help me please. Please email me at XXXXXXXXXXXX or call XXXX.
Product: Credit reporting or other personal consumer reports

Recently I reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify. XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. 
This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered Income, it has to be removed. Income can not be reported on credit files
Product: Credit reporting or other personal consumer reports

I've been trying many years trying to remove these inquiries and they never do they part of removing these illegal inquiry credit.. XXXX XXXX XXXX  account number XXXX XXXX XXXXXXXX XXXX  number XXXX department of Ed XXXX account number XXXX XXXX the same company but different account number XXXX XXXX XXXX XXXX XXXX account XXXX addresses don't belong to me XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
INACCURATE NAME : XXXX, XXXX, XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX Date Updated : XX/XX/2016