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

XX/XX/year> 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/year> 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 : Payment delay due to postal service issues : In XX/XX/year>, I mailed my payment well in advance, but due to delays with the postal service, the payment arrived late. This delay was beyond my control, and the payment should not have been marked as late, as I acted in good faith to ensure timely payment. 
Payment made within the XXXX grace period : Despite the postal delay, my payment for XX/XX/year> was received and processed within XXXX 's XXXX grace period. As such, this account should not have been reported as 30 days late. 
Evidence provided : I have attached bank statements and payment confirmations showing that I sent the payment well before the due date and that it was processed within the grace period once received. This evidence clearly demonstrates that the reported late payment is inaccurate. 
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: Payday loan, title loan, or personal loan

This loan is over 15 years old and they have never contacted me and I honestly forgot about it and today a collection co called me from XXXX XXXX XXXX and said a warrant was issued for my arrest and bond was XXXX dollars but could n't tell me loan any etc. Said I had 3 charges against me. Then said if I promise to xa them back w my bank info they 'd put warrant on hold when I now understand this can not be done. They need to take me to small claims court and I offered to start making payments and XXXX XXXX is who called n she stared o no we need the money in lump sum ir your warrant will be taken off hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX & XXXX XX/XX/XXXX Equifax XXXX FI XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
Product: Credit reporting 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 : # 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 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, credit repair services, or other personal consumer reports

XX/XX/22 I sent a letter to the courthouse asking do they report bankruptcies to the credit bureau and I got a letter stating They do not report any bankruptcies to anybody So if thats the case, how did the credit bureau verify this bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681 15 USC 1681 section ( 3, E ) States : The term investigative 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/she is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit Bureau violated my given right under 15 USC 1681 According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy According to : 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 According to : 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

JP Morgan Chase put my house in foreclosure the beginning of the year. In XXXX, I paid all attorneys fees and backed payments to have the mortgage reinstated so I could sell the house in question. I followed all procedures as laid out by Chase 's attorney, XXXX, and my mortgage has still not been reinstated. I can not sell my house now as it is still listed as in foreclosure. Chase has been no help, and XXXX will hang up the phone on me every time I call. All Chase tells me is that on their end it 's no longer in foreclosure, but the foreclosure is still filed and not released yet. They are " looking into it, '' for going on two months now. 

My real estate agent has informed me that I will most likely never be able to sell my property for the amount that it is worth, since Chase has ran a foreclosure ad in the newspaper about my property, and that ad is still running. Furthermore, anyone can look up the property address and see that foreclosure has never been released.
Product: Debt collection

I have tried multiple times to communicate via phone and in writing with this company. I have shown proof that I do not have a file in their office. I have never been seen by their physician ( s ), hospital, clinic, or other medical treatment facilities. Upon calling their office and providing my full name, dob, and social security number the representative was not able to find a file with my name. I have requested on two separate occasions via the USPS validation of this debt. I included a copy of my US Social Security card showing my full name and social security number. I requested VOD on XXXX XXXX, 2017, and  XXXX XXXX, 2017. I provided my full name and mailing address. I have not received VOD. I suspect they are unable to verify a debt that does n't exist in my name. I am respectfully demanding what the law states. They have no provided VOD within 30 days. They do not have evidence of an account in my name. There are no medical records in my name housed by their physician, clinic, or hospital. I am demanding full credit bureau deletion immediately. I would like the account closed or in the least removal of my social security # and/or name from the file. Additionally, removing my mailing address and phone number from the file if it has been added DUE to MY written correspondence.
Product: Credit reporting or other personal consumer reports

Simple. The Trans Union app does NOT allow you to freeze or unfreeze your credit record like XXXX and XXXX do. In turn, Trans Union alone discourages credit protection across all the reporting agencies via freezes because of the difficulty of setting and, in particular, removing freezes with Trans Union. Try it for yourself with XXXX and XXXX and then Trans Union. This is an easy fix and no more than standardization of a best practice. Thank you.
Product: Debt collection

Repeated calls multiple times daily, including after hours calls. Informed them to please stop calling as I am on the do not call list and rep stated that is for telemarketers only ... .sorry ... NOT TRUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX
Product: Vehicle loan or lease

In accordance with the fair credit reporting act mechanics mechanic bank has violated my rights as a consumer account number is XXXX  15 U.S.C. 1681 SECTION 602 A. States I have a 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. 166B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Buereau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to foward consumer-porvided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed the disputed items despite the evidence I provided, causing ongoing harms to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting

When my husband and I leased a car recently, the dealer said I did not have a credit score. I got my credit report from Trans Union showing the hard inquiry by XXXX XXXX. I also went to the XXXX XXXX free credit score site and got my score from them through XXXX. I called Trans Union but could not make the representative understand my dilemma. He kept telling me the problem was with XXXX XXXX 's calculations, even though the problem was n't their calculation but the fact that I had no score at all. I have written Trans Union three times but have received only form letters that do not address the issue. There was a slight discrepancy with my address which I have tried to correct, but again all I get in response are form letters. My husband and I have been married for 45 years and have essentially the same credit report. His score and the one I received through XXXX XXXX are well above XXXX. He had a near fatal illness last fall and if he had passed, I would be financially paralyzed. Can you help me find out why I do not exist in the eyes of Trans Union.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, My loan with SLS is incorrectly showing status and all my payment information is not there. As per new credit report, it is showing the last payment was XX/XX/XXXX ( XX/XX/XXXX ), when I am paying every month and it not showing that. Also, it is not reporting any of my trial payment that I made before. It is also incorrectly showing 120 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & prior months. 
I have sent letter to this company with " goodwill deletion request '' and so far has not been granted. Prior XX/XX/XXXX, I was not responsible for these payments due to XXXX settlement and I even presented that stipulation.
Product: Credit card or prepaid card

I have an account with first bankcard, then my mother open another account with first bankcard and add me as an authorized user on another credit card with first bankcard which is different than the first bankcard I open on my own without letting me know in advance. I didn't mind that my mother open the account but first bankcard did not check with me which is a first red flag, when I find out later, the second red flag is first bankcard did not let me add that credit card to my online account to manage the account. When I call them, they dare to ask my mother 's personal private information include her social security which I did not give out and I don't think I want to give out someone's else social security either, which is another red flag. What they show here is lack of respect for the credit report holder which in this case was me when opening an account on my credit report without asking for my permission, then lack of respect for customer 's privacy when they started asking me my mother 's personal questions include her social security when I try to gain access to the credit card my mother open under my name when she add me as authorized user. This show lack of care for consumer privacy, and when I tried to close this credit card that is opened under my name, they said the fraud division would start investigate it which is ridiculous because they are the one who fraudulently open an account on my credit report without checking with me first and refuse to let me close an account on my credit report when asking for someone's else private information as an excuse to not let me access my own account. What a joke. I don't know who set up their system but it shows a total lack of concern for consumer 's private information rights. 
I own my own XXXX XXXX : XXXX XXXX XXXX ( registered in Hawaii ) and I would never set up a system where someone can open an account on someone's else credit report without their permission. My name is XXXX XXXX XXXX and my blog is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : ONE MAIN Made on : XX/XX/2017 Made with : XXXX   To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity.

Given the amount of identity theft, I & # 39 ; m sure you & # 39 ; ll agree that verifying your information is in your best interest.Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Product: Checking or savings account

Money was XXXX into my checking account on XX/XX/XXXX. I still do not have access to those funds. I have called numerous times and they tell me their system is down. It has been greater than XXXX hours that I have no access to my funds.
Product: Checking or savings account

My account was closed out of nowhere with no explanation .I have tried to contact chime on multiple occasions with no response and being hung up on multiple times
Product: Mortgage

I spoke with the HUD approved counselor 4 days ago regarding my Mortgage issues with Mr. Cooper, they called XXXX XXXX in Mr. Cooper and she said I need to get back to Mr. Cooper by XX/XX/2021 that how I want to proceed regarding my Mortgage payment, that whether I would like to go for a Modification or a payment deferral. 

So i was just trying to figure out what to do regarding my Mortgage and today I saw Mr. Cooper website and it states that I am 60 days late on my payment, when my Forebearance just ended on XX/XX/2021. ( Please see the exhibit attached ) I am also waiting for CA Mortgage relief plan which has been submitted by XXXX to US treasury and waiting it to get approved, I think Mr. Cooper is just trying to foreclose on my property and take my home away with equity. 

There is no transparency and no communication what so ever, I am very worried and in stress about my future with Mr. Cooper
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax are reporting incorrect information. I have previously disputed this same information and they claim to have updated my report but they did not. This is my final latte or to get you to report correct information before I sue in a federal court for various vol of federal law. For the last time my name is XXXX XXXX there should be no other names listed, my address is XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX IL XXXX there should be no other addresses listed they are not mine and you dont have actual proof that I reside there or have ever resided at such address. Delete the information immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Delete these Hard Inquiries as I did not authorized them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

We processed XXXX ( XXXX ) credit card sales through Square , Inc., Credit Card Processing, parent company Block , Inc., totaling {$4000.00}. The XXXX credit payment was processed and approved by our customer on XX/XX/XXXX in the amount of {$150.00}. The XXXX credit payment was processed and approved by our customer on XX/XX/XXXX in the amount of {$1900.00}. The XXXX credit payment was processed and approved by our customer on XX/XX/XXXX in the amount of {$1900.00}. 

On XX/XX/XXXX, Square 's customer service emailed our company stating " Hi XXXX, After a comprehensive review of your account, we have determined that we are still unable to process payments for your business. Our decision to deactivate your account is final. 
We understand that it can be frustrating to have your account deactivated. 
If you dont want to wait 90 days for your funds to be deposited, you may consider refunding your transaction ( XXXX ) back to the cardholder ( XXXX ) and seeking an alternate form of payment. Keep in mind that refunds processed through Square on a mobile device must be requested and completed within XXXX days of the original transaction date. 
However, payments refunded via your online Square Dashboard can be refunded within XXXX year of the original transaction date. 
XXXX XXXX Banking. '' We have never had an issue with processing credit card payments through XXXX before. As recently as XX/XX/XXXX, a credit card payment was collected and paid to us in the amount of {$2100.00}, followed by XXXX additional payments were collected and paid as normal. 

However, as of XX/XX/XXXX the credit card company has held the aforementioned funds totaling {$4000.00} in their bank accounts.
Product: Checking or savings account

On XX/XX/XXXX, I was advertised a {$200.00} bonus to opened a Business Checking Account with Bank of America. These are the terms to receive the new bonus, Open a new Business Advantage Relationship Banking or XXXX XXXX XXXX Banking account ; AND Make qualifying deposits of {$5000.00} or more in New XXXX directly into a new eligible Bank of America XXXX XXXX XXXX account within XXXX ( XXXX ) days of account opening ; AND Maintain an average balance of {$5000.00} during the Maintenance Period** in that new Business Advantage checking account. 

The Maintenance Period begins XXXX XXXX  XXXX ) calendar days after account opening and ends XXXX ( XXXX ) calendar days after account opening. 

This is the transaction history of the account : XX/XX/XXXX : Account opened XX/XX/XXXX : Account funded with {$5000.00} XX/XX/XXXX : Maintenance Period ends at XXXX  days after account opening XX/XX/XXXX : Current account balance was {$5000.00} Please help me get the new account bonus that Bank of America advertised to me.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$100.00}