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

Credit Collection Services is listed on my credit report as a collection agency that is trying to collect an alleged debt on behalf of XXXX. I contacted the original creditor, and they could not validate this debt that is reporting on my credit report. Furthermore, there was no correspondence sent to me informing me that I owed a debt and that it was being sold to a 3rd party company, so this information reporting is not credible and goes against permissible purposes. I never signed an agreement with Credit Collection Services. This company failed to provide an agreement with their company showing my signature, the forward flow agreement, a copy of my identification to verify that it is indeed my debt, or lastly a license to collect the alleged debt. I am demanding that this account is removed due to it being unverified by the original creditor. You are also furnishing different dates for the date last active which is a FCRA and FDCPA violation. I have attached an invoice for the violation upon your company. Payment is to be remitted to the address on the invoice. Both payment and deletion are requested within 30 days, or I will have no choice but to seek legal action against your company.
Product: Credit reporting or other personal consumer reports

Dear, Experian Re : Victim of identity theft To whom it may concern these inquires in my credit file or report are from unauthorized use of my social security number and card. i did not authorize these inquires to be taken out in my name nor they relate to anything i did. im unaware of any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2. This letter was not sent in error or a misrepresentation. Your company must follow the proper procedures to make sure this get deleted in the time frame it state. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XX/XX/year> Sincerely yours, XXXX XXXX XXXX : Proof of identity, FTC identity theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  put an offer in the account saying, " You are ALREADY approved '' for a XXXX XXXX credit card. They have already done a hard inquiry and turned me down before. They placed the " You have ALREADY approved '' offer in my account anyway. I called customer service to make sure that there is NOT going to be any hard inquiry. She confirmed that there is not going to be another hard inquiry. So, I clicked to accept the offer. In a few minutes, I received an email saying that there is a hard inquiry by XXXX. 
I am in the process of canceling all accounts with XXXX. I have also canceled the XXXX Credit Card also. 

This was a deceitful act on XXXX 's part. They record and monitor the calls. 

I am requesting to please remove the hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : {$730.00}
Product: Mortgage

Carrington Mortgage Services , LLC uses an escrow payment projection method that uses a lower projected payment amount than the higher actual current payment amount, to project needed escrow payments for the next escrow year cycle. Because of using their projected current to escrow payment number, they are projecting my escrow account will be short, and as a result, are adding an additional short payment amount to my escrow payment. This is causing my monthly mortgage payments to increase. THIS IS AN ERRONEOUS PROCESS. 

The projected escrow number being used is lower than my actual current escrow payment. Their projected payment number is {$570.00}. I currently pay {$630.00}. If my actual payment number is used in their credit/debit schedule instead, the escrow account is never negative at its lowest point, and does not require an increase to cover any supposed shorts. The account is only projected to be negative if the made up projected number is used. 

This is the second year in a row they have done this. Last year the made up projected payment number was {$520.00}, but I was actually already paying {$610.00}. The scenario last year was the same. If my actual higher payment number was used in the calculation, my escrow account would never have been negative at its lowest point. My loan was sold to them, I never had this issue with the original mortgage holder, and the original holder used the actual escrow payment amount to project the escrow balance for the upcoming year, and not a made up lower projected number. Carrington Mortgage Services , LLC gets this made up projected payment number by taking the escrow disbursements total and then dividing it by 12. By this logic/method, the account will always be short, and they will always raise your monthly payment on a yearly basis. There is no limiting principle to this method, and the method uses incorrect numbers in its calculation. 

I spent many hours with on the phone with Carrington customer service, escalated to supervisors, and various other departments. All of them told me to kick rocks, and this is the way its done. I was told you can not speak to the escrow department on the phone. Customer service also supposedly contacted escrow on my behalf, and were told there is no error. Of course there would be no error found when you rerun the same calculation with flawed inputs. The process itself is the problem. I also sent several emails and follow up emails to the recourse team listed on their website. I was never contacted by the recourse team to address the issue. This is a predatory practice to justify holding more than is necessary in their escrow accounts. My guess would be to have more float to loan or invest for profit. 

My next steps will be contacting an attorney if this predatory practice is not changed/rectified.
Product: Student loan

I recertified with the Department of Ed stating that I would be paying {$93.00} per month under the new SAVE plan. Aidvantage said I would be paying {$530.00}. I called them on XX/XX/XXXX and they agreed it was incorrect but told me to check back later. I received an ecorrespondence from them on XX/XX/XXXX saying it would be {$340.00}. I checked back on XXXX XXXXand they said it did not show that I recertified and selected the SAVE plan. They said I could do that through them. I did that and they stated I would be paying {$100.00} per month, which is {$9.00} more than the XXXX website said I would be paying. I asked for proof of this and they said it would show up on the website and through email. I saw neither of those and have not received confirmation yet. I also checked the Student Aid website and it previously said I was under the SAVE plan. I checked today and it switched me back to the REPAYE plan. I checked Aidvantage 's website again today and it said I would be paying {$260.00}, which is what I was paying under REPAYE before payments paused. I called and told them it was incorrect and they said it could take up to 15 days from when I previously called ( XX/XX/31 ) to show up properly. I asked for confirmation again about my certification for my $ 102 monthly payment under SAVE and was told I would receive it but still have not.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account # XXXX Subject : Complaint Against Equifax for Failure to Conduct Proper Investigation Dear CFPB, I am writing to formally lodge a complaint against Equifax regarding their handling of my credit report and disputes related to my XXXX  XXXX account. Despite my repeated attempts to rectify inaccuracies in my payment history, Equifax continues to verify this account incorrectly. 

I have disputed the payment history multiple times, as it reflects several inaccuracies. Notably, this account was discharged in bankruptcy, and therefore should not be reporting any negative credit history. However, Equifax persists in verifying this account with erroneous information. 

According to the information provided by Equifax, the date of first delinquency was recorded as XX/XX/XXXX. Yet, they are reporting me as late for XXXX and XX/XX/XXXX. It is perplexing that they can state I was on time in XX/XX/XXXX, but then report me as 60 days late in XXXX and XX/XX/XXXX. How can I be 60 days late without first being 30 days late? This inconsistency is clearly inaccurate. 

Furthermore, Equifax is reporting that I was on time in XX/XX/XXXX, but then 60 days late in XXXX and XX/XX/XXXX, which is also incorrect. This pattern of reporting is misleading and damaging to my credit profile. 

Additionally, I received a letter from Equifax stating that my disputes regarding this account are considered frivolous. I will attach this letter as proof of their failure to address my concerns adequately. If Equifax had conducted a proper investigation, I would not have to keep filing disputes. 

It has come to my attention that Equifax is currently facing a lawsuit for failing to conduct proper investigations into consumer reports. This further highlights my concerns regarding their practices and the handling of my disputes. 

I intend to file a report with the Federal Trade Commission ( FTC ) for fraud due to Equifaxs failure to conduct a proper investigation. Additionally, I am considering filing a lawsuit against Equifax for the same reason. 

I will attach a copy of my credit report obtained from the Equifax website as evidence of these inaccuracies. I appreciate your attention to this matter and look forward to your guidance on how to proceed. 

Thank you for your assistance. 

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

I feel like I'm being taken advantage of being ignored of my disputes!! I have previously disputed this account, as it is evident that you are reporting false information. The opened date, the last reported date, and the last active date are incorrect!!! You fail to even verify this account!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose The above complaint was sent to Experian on XX/XX/2022 however they didn't complete the investigation until XX/XX/2022 which according to the Fair Credit Reporting act if the investigation takes longer than 30 days the disputed information should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received an email informing me that my credit score had changed because of an account with XXXX bank. I have never had a XXXX bank account so I went to a local XXXX. They could not help me because they said this was my account. I was in contact with a bank representative in the legal department who said the information was accurate so no changes were made. After months of that I wrote a letter asking for information used to open the account. Finally in the end of XXXX I received a reply by mail ( letter ) saying in other words the account was not mine. Please remove the information about this account from my credit report including a previous address that does not belong to me.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I opened a New lease with XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX for a 36 month lease. In XX/XX/XXXX I traded this car in for a new car. The new dealership paid the remaining balance I had for my monthly lease payments directly to XXXX. I received an end of lease liability statement from XXXX for mostly Excess Mileage and taxes. I went over in mileage an extreme amount. I started making payments immediately in XX/XX/XXXX. I have statements from XXXX for XX/XX/XXXX & XX/XX/XXXX showing I made payments. I was having a hard time financially make my XXXX XXXX payment and making a monthly payment for the mileage. I called XXXX in XX/XX/XXXX asking what my options were, they brought up to me about making a Settlement for less than what was due and that would satisfy all my obligations. I agreed and made a payment for {$1000.00}. My account was closed, I requested a settlement letter. Later on in XXXX, I pulled a credit report and saw that it indicated under payment history I made 1 payment that was 30 + days late & 1 payment that was 60+ days late, and used the word Potentially Negative in Bold Red on the Credit Report. My lease agreement and obligations for the 36 month lease was paid in full. I contacted XXXX in XXXX & XXXX. I asked them to remove the " XXXX '' late payments from my Credit Report and any Negative terminology. The letters from XXXX indicate " XXXX '' late payments. My credit reports were not updated to reflect the accurate information. Anytime I apply for a loan, credit cards or Mortgage my payment history is being evaluated, and it impacts my credit score more than any other factor.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I started to apply for a house on XX/XX/2020 the leasing company that was doing a credit check on me only uses Equifax. To my knowledge I had a credit report with them ( having a credit history of over 7 years ) but Equifax did not have a file on me. Where as XXXX and XXXX both had credit files on me. I have tried to remedy the problem for nearly a month now having sent them a fax containing my social security card, valid drivers license and the cover letter pertaining to the issues I was having. I have called everyday since and have gotten no help. The only thing that Equifax says is to resend the fax and to mail them the documents again. My credit card company XXXX XXXX assured me that they have been reporting to all 3 credit bureaus for the past 7 years. My main issue is that Equifax should already have a file on me and they do not and they are refusing to remedy the issue in a timely manner when I do not have the time due to the fact that my current lease is about to be up and I need their credit report on me to get this house
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, with 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
Product: Prepaid card

Was overdrawn on cash app card and did not want overdraft
Product: Credit card

i received an offer of wells fargo credit card about a new credit card in which they give me the offers of 0 % apr for 18 months on balances transfer and purchases. so i applied and got the card to my home, but when i called them they told i just qualify for new purchases and that it was a mistake in the letter that they sent me. i am not apprved for balance transfer. 
i dont know what happened with this people and i ask u to investigate, please. 
the credit card is # XXXX XXXX XXXX XXXX my name is XXXX XXXX XXXX. 
thanks.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} 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

On XX/XX/2020, I received a payment in the amount of {$35.00} via my Paypal account. The payment was recieved from XXXX. XXXX is an American Company dedicated to fitness and exercise. Paypal will not release the payment to me. After repeated calls to Paypal over the past 12 months, I receive the same excuse, " Our Compliance Department has to look into the matter ''. I am told I will receive email updates and never do. I have been given no reason. 12 months have passed and Paypal has been unable to figure out a {$35.00} transaction.
Product: Vehicle loan or lease

I purchased a truck from Carvana LLC online. After a few trips to the bank because they don't accept checks from companies, I had to get a personal check to pay in full - XX/XX/XXXX. They set up the delivery date of the car and cancelled 3 times, because there was a delay with the delivery - They charged almost {$2000.00} for this. XXXX weeks later, I got the car and the next day it got flooded through the roof/ back window after a day of rain. It was in such a bad state, that I returned the car on XX/XX/year> and they accepted it. They said within a few days they were going to send the money back. 
XXXX week later, I have not received any communication, they deleted the car info from the online account and after I reached out to them on XX/XX/XXXX, they said, there is no record of any transaction for this purchase. They said they will get back to me ( ops department ) and have not heard back from them. I don't have the car, I don't have the money, they are ignoring me. 
There is no loan, but I called CFPB and they asked me to use this option
Product: Credit reporting or other personal consumer reports

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

Account Information : Creditor 's Name XXXX XXXX XXXX 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 XXXXXXXX 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 : According to my bank statements, the payment was made and processed on time. I have enclosed copies of the payment confirmation for your reference.

Account Closed : The account in question had been closed before the reported late payment, and no charges should have been accrued during that time. Attached are documents showing the closure date.

Clerical Error : There appears to be a clerical error in the reporting date. The date of the late payment does not align with my account history or payment records.

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: Debt collection

Dear Creditor/Debt Collector, Please see the attached creditor letter from the FBI that I received today of Friday, XX/XX/year>. I am forwarding it to you as additional information regarding my unfortunate situation that occurred last year for your understanding and consideration. 

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

Social is XXXX On my equifax report why i apply for credit tbe creditors cant accest my equifax report when they tried they have trouble the information IT GIVES THEM NO CREDIT FILE AND MY COMPLAINT IS THAT I HAVE A CREDOT HISTORY BUT EQUIFAX HAS TO CORRECT THE SYSTEM SO THAT ALL MY CREDITORS CAN ACCESS MY FILE..
Product: Mortgage

Today, XX/XX/XXXX, I spoke with Wells Fargos employee XXXX XXXX who insisted on the phone that she sent me the XXXX FHA Loan Modification Denial Letter. Not true. I asked Wells Fargo employee XXXX XXXX to resend said letter to my email on file. I am still waiting, I wish not to have anymore phone communication with Wells Fargos employees as she/they can not be trusted with the truth as it relates to Wells Fargo stealing my former asset : XXXX XXXX XXXX XXXX XXXX NY XXXX . In my XX/XX/XXXX complaint regarding providing FHA loan modification denial letter, Wells Fargo employee XXXX XXXX failed to provide said letter. I am in contact with FHA/HUD.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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. 

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports