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 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 Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX 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 supported by the attached bank statements showing that the payment was processed well before the due date. 
Account Closed : The account was closed at my request, and no additional charges or late payments should have been reported after the closure date. I have attached documentation confirming this account closure. 
Incorrect Date Reported : The date of the alleged late payment does not match the account 's payment history or my bank records, which show timely payments. 
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: Payday loan, title loan, personal loan, or advance loan

CFG and an agent acting on their behalf acted in a predatory manor by doubling the amount they were taking directly from my account. When I inquired about why my payments doubled in the amount during my slowest season, they ignored or blew off my questions for two weeks. I then requested a stop payment for their doubled amounts being taken from my account. My agreement with them was to pay weekly payments based on my weekly invoices to customers. They did not follow this agreement. After I contacted them to let them know that I had done this due to 0 communication from them, they immediately contacted my employer for which I receive a w2 ( nothing to do with my business whatsoever ) They aggressively stated to my employer that they were to forward my paycheck funds to them for collection of a debt. In my research, it seems to be highly illegal for a debt collector to : 1. demand money from someones employer for a debt. 2. Give someones employer details regarding the debt and why they are doing so. This company has bullied me and my business, harassed me, my job and my customers on more than one occasion, and has done so with what seems to be the intention to bankrupt my business. I have never experience anything like the practices that this predatory advance provider uses. Currently, after I informed them of filing a complaint, and reaching out to attorneys, they have reached out to my customers and payment processors forbidding them to do business with me because I " owe a debt. ''
Product: Checking or savings account

On or around XX/XX/2015 my Aunt left monies and trust to undersigned of which Funds were withheld by Suntrust Bank Account XXXX XXXX XXXX
Product: Mortgage

I was offered a deferred option during covid and I accepted that not knowing what was happening with my wife and my job, and our minor child out of school. We did this for 6 months, and was caught up before XX/XX/XXXX and resumed all payments starting the end of XX/XX/XXXX. We have not missed a payment since. We just have the 6 months that we were told could go to the end of the loan. I have been trying to work with the company since XX/XX/XXXX, and they wouldn't respond back to me after several dozens of correspondence. I have resubmitted the paperwork over 10 times, worked with the advocate department for complicated situations, and was talking with a supervisor. I got no help, and after months of contacting them with no answers to get this resolved they only responded after contacting supervisors, and still I was told finally that two paystubs were cut off at the end after submitted paystubs from XX/XX/XXXX through XX/XX/XXXX. I submitted all paperwork on their online portal over and over again, emailed it to 4 different departments, faxed it, and mailed it, and all I get it generic letters saying we are missing paperwork and will not tell me what. This has been the most stressful and time consuming process I have ever dealt with before. Also, two of our checks that cleared still have no been posted to our account. I have reached out and provided front and back proof of payment from my bank, and my statement showing both payments cleared the bank, and still nothing back. It feels as though they are trying to take my home from me because of the higher market value, because I have over 100 emails to the dept they said to email and two payments in a row not posting to my account to make it look like I am past due is horrible. I don't feel they will ever come through with what they promised. I have XXXX XXXX I am about to deal with, and this type of stress has been so hard on me and my wife. During the worst year spending well over 100 hours corresponding with this company that is beyond unprofessional and I have asked everyone in every department to please help me. I am at a loss, and I just want to know how to get this put to the end of the loan. I looked on XXXX  and other complaint sights for the company, and it seems many people are having these same problems with this mortgage company. We had XXXX and it sold to Carrington, and it has been a nightmare. 
I can provide hundreds of papers proving how I have sent over and over this paperwork since they finally got back to me around XXXX after contacting them since XXXX, and since then I am in the dark, and when we call they are rude and have no information, and choosing to do this with the company was the worst decision I have made, because if I knew they would make it impossible to actually get what they offered me I never would have have signed up for this. The stress alone of not knowing what is going on is wrong of them to do to any family. 

I have so much more I can attach if needed to prove of the emails these are just files I have saved
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud.

These fraudulent accounts include : 1. A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 
2. A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 
3. A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 
4. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not allow me to freeze my credit online, they are asking for information that would make me jump through a lot of hoops, for instance, a police report. A police report of what? Everything has to be done by regular mail, yet I have an account and can view my credit history.
Product: Money transfer, virtual currency, or money service

Person said they sent me {$200.00} to my zelle. 
I checked my email and I had an extremely official looking email from Zelle who said I did not have a business account and there needed to be more money sent by the seller. The seller said they did their part, I sent them the refund. I didn't feel right about it, but the email was SO realistic. I felt like I must be missing something and this HAD to be legit.
Product: Credit card

Apple Card wrongfully and unlawfully closed my account. This has resulted in a big dropped of a XXXX XXXX as I have a credit card account with them for a long time. I called the company XXXX times trying to get the reason why my account was closed and escalated to upper management. They never provided the reason.
Product: Debt collection

I cancelled the internet serive with XXXX on XX/XX/year>. XXXX proceeded to charge me even though services were terminated. I disputed the charge through XXXX XXXX  and XXXX, shortly after funds were returned to my account. Now I am seeing a third party collection company, XXXX XXXX  XXXX, trying to collect on behalf of XXXX what I do not owe. It is now negatively impactive my credit bureaus when it should not and should be removed from all three credit bureaus.
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 Account Number : XXXX Date of Late Payment : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX 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 : The payment reported as late as XX/XX/XXXX was made on time, as evidenced by my bank statements and payment confirmations. Despite providing this information in my initial dispute, the error has not been corrected. 
Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal. 
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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for XXXX XXXX so I could lock/unlock my credit report from Equifax by pressing one button on their website. I had to unfreeze my credit via mail, which was confirmed by Equifax on XXXX XXXX. I tested the ability to unlock the report on XXXX XXXX and re-locked it on XXXX XXXX. 

The next week I planned to unlock all three credit bureau reports so I could get new auto insurance. I tried to unlock my credit using the button again the next week on XXXX XXXX. Instead of unlocking the report, the Credit Lock Status showed as " Status : An error has occurred. Please contact customer support ''. 

Since then, I have emailed Equifax multiple times, and called both Equifax and XXXX XXXX well into double digit times. XXXX XXXX  kept sending me to Equifax 's freeze department to confirm I did not have a freeze on my account. I have talked with Equifax 's freeze department three times and confirmed three times my credit was unfrozen on XXXX XXXX. 

On XXXX XXXX, a XXXX XXXX rep took my information so that their IT department could fix the error is 2-5 days. There has been no fix. On XXXX XXXX, another XXXX XXXX rep told me she escalated the issue and the error would be resolved in 24 to 48 hours. The error is still present today. 

I keep getting told either they can not do anything, to call the freeze department again, or that they will " escalate '' it and get it fixed only for nothing to happen. I can not get auto insurance as a result even though I really need to switch my insurance.
Product: Checking or savings account

Hi i opened up this account with promo code XXXX and was suppose to receive a XXXX $ bonus for doing a bill pay transaction of XXXX $ or more, its been past 90 days and i still haven't received the bonus. 
The terms say " Once all conditions and requirements of the promotion have been met, a promotional credit will be applied within 90 days from the date of the qualifying bill payment. '' The Bank was BBVA COMPASS
Product: Credit reporting or other personal consumer reports

I have written several letters to Transunion to remove/delete the following inadequate items from my personal information : Name : XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX ) XXXX Accounts with Adverse Information : 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 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 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 Also the accounts from XXXX They are in violation of Section 1681e ( b ) Accuracy of Report. These things are damaging my credit
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have enclosed a copy of my FTC /identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. 

You are in violation for reporting Inaccurate, incomplete, or unverifiable information. 

This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. the information does not relate to any transactions that I have made ; therefore ; I am writing to request that you place an immediate block on the fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
By law you can not decline or rescind this request because : The block or request by the me ( the consumer ) is not in error Was not requested on the basis of a material misrepresentation of fact by me ( the consumer ) I did not obtain possession of goods, services, or money as a result of the blocked transaction or transactions. 
Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. / 15 USC Code 1681 c-2
Product: Debt collection

I received several call and letters from Conserve collection agency claiming that I owed {$1700.00} to the US Department of Education. 
I then wrote to Conserve collections, stating that I do not have knowledge of that debt, since I never applied for a student loan, and I requested validation and/or documents proving that I applied for a student loan. 
Conserve sent a copy of an application for a student loan, the information in the form does not match my social security number, previous addresses, etc. 
Apparently Conserve has me confused with another individual, as I never applied for a student loan. 
Conserve continue with their illegal collection activities and demand payment. On XX/XX/2017 Conserve contacted my employer ( violating my privacy ) request personal information and started activity garnishing my salary. 
I wish to file a complaint against Conserve for violating all Credit Billing Acts and the Fair Debt Collection Practices Act.
Product: Debt collection

went to a XXXX presentation found out was a scam tried to cancel with in the 30 day period XXXX office disconnected there phone and doors were closed we tried multiple times to get Monterey financial to cancel but keep telling me to get a letter from a company that left for good we did write letters and it was returned we told Monterey all this and there are still threating us to pay for this scam that they refuse to cancel
Product: Credit card or prepaid card

Date Opened : XX/XX/XXXX Account Name : APPLIED BANK Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$860.00} Balance Updated XXXX XXXX, XXXX Credit Limit {$350.00} My identity was stolen 14 years ago but till this day they still apply for credit cards, car loans, personal loans, they even stole my mail from my mailbox thats how they were able to get the credit card from my mail then make payments for some time, thats why when you do your investigation everything matches, because they stole my mail, i haven't use my credit for over 10 years because of this identity theft i was XXXX when that happened, i don't even have anything to proof that this is not my account even if payments were maid, because they had bank accounts under my name, more then 10 years I'm trying to clean my credit report. thank you for understating please remove this negative account from my credit report because this doesn't belong 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. Equifax is 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 Owed : {$0.00} :
Product: Credit reporting or other personal consumer reports

I have written letters for years to XXXX for validation of debt according to Fair Debt Collection Practices Act I have disputed these items dated back toXX/XX/XXXX, Every time I ask for validation they never have given me any validation that I request and they have never removed this inaccurate information from my credit report keeping me from having the ability to purchase a home for my family and other things that would help my lively hood I would like to have this information be removed and taken off my credit report according to my rights through the Fair Debt Collections Practices Act Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

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  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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
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 {$5000.00}.

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 {$5000.00} -This is not my account.
Product: Credit reporting

ssue Unable to get my credit report or credit score : Problem getting my report or credit scoreDescribe what happened so we can understand the issue ... 

I am an XXXX Service Member in the XXXX. I attended the financial briefing in XXXX from the military. Following guidance from the Financial Planning Counselor, I attempted to obtain all XXXX credit bureau reports and my FICO score. I am unable to locate any information when I contact the bureau 's to include FICO score. I was told that I need to create a profile. I am a member of XXXX XXXX, and I have received a score thru XXXX, therefore I am unsure as to why I can not directly obtain from the websites. 

Additionally, I am experiencing difficulty obtaining my Free FICO score.
Product: Vehicle loan or lease

I told the finance company Exeter that the contract they have is different than the one the dealership gave me it's a contradiction and the attorney general has closed the dealership where I got my car I cant get my warranties my oil change or my tires. Exeter wants me to pay but the car doesnt have active warranties because of the fraudulent things the dealership has done. I called exeter to see if I can have an extension because I have to pay for repairs