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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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. 
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Product: Credit reporting or other personal consumer reports

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The 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 accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/2023 ). Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I have attached supporting documentation.
Product: Credit reporting or other personal consumer reports

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person
Product: Checking or savings account

Chime stride Bank closed my checking and credit builder account because someone stole my temporary card info. They were supposed to give me a new temporary card because they sent a permanent card out and it took too long to come in the mail and I moved, but they never gave me a new temporary card and someone kept trying to use it and they closed my account, they said it was fraud on my end which it wasn't at all, and I lost XXXX credit points.
Product: Credit reporting or other personal consumer reports

I have hard inquires ( negatively affecting credit ) on my credit report that are fraudulent from the following two companies : " Synchrony Bank/Lowes '' and " XXXX XXXX XXXX XXXX Associated with XXXX and XXXX, respectively. 

I have filed a police report, a complaint with the FTC, and now with the CFPB. I've had success getting 1/3 credit bureaus ( XXXX ) to remove these inquires. The other two ( XXXX and XXXX ) will not. I have talked with both companies and both credit bureaus to no avail. Each one says to go through the other. The companies say that there is " no account '' despite the fact that there doesn't have to be with an " inquiry. '' With that, they " can not and will not '' reach out to the credit bureaus to remove these inquires. I find this hard to believe given they reported the inquiry in the first place. 

On the other hand, the bureaus request that the companies do this. I have provided them with the police report, FTC complaint, XXXX letter removing the inquiry ( why can't you do the same given the law? ), letters from the companies showing inaccurate information not related to me, and even used a credit protection service via a 3-way call. 

This is insanity. Why can't these FRAUDULENT inquires be removed?
Product: Mortgage

I have successfully paid on a mortgage at multiple companies for over XXXX years. I have NEVER been an XXXX before. I began paying closer to the XXXX last year in XXXX or XXXX when my XXXX began because my work cut back my income while on XXXX and I had to begin paying for my XXXX bills at XXXX hospitals. My wife got into a car accident and now has her own bills for a concussion and is going through the insurance process to find a new car right now. We have depleted our savings and called XXXX for the first time we've ever called anyone and they outright refuse to offer an extension of the XXXX house payment. This option is offered and utilized by many companies, such as XXXX mortgage where I used to work at for 6 years and processed these myself. This allows customers to get back on their feet without their credit being affected because of extenuating circumstances. Sometimes things get out of our control, but the phrase " I'm sorry but '' is extremely unhelpful from a mortgage company. This being the biggest and most important expense means that when I genuinely needed help this one time, it is also the most stressful situation. I've never had such a negative experience but the account rep and their supervisor ( on their recorded line ) repeatedly explained they will not offer anything to avoid my credit being affected if I don't complete the full payment this month. So, this being the first time I ever called them is the last time they are allowed to call me. I placed a " do not call '' on the entire account for me and my spouse, And that really should never happen the first time a customer speaks to their mortgage company with a genuine need. It blows my mind that they are unwilling to help somebody.
Product: Credit card or prepaid card

This dispute has nothing to do with Capital One providing credit to me, it has to do with Capital One paying a bill on my behalf with a card that was already closed. I closed my cards with Capital One. Capital One say they closed my cards. Either way you look at it, THE CARDS WERE CLOSED by me and they say they closed the cards and therefor NO TRANSACTIONS COULD BE MADE BY ME and Definitely Capital One should have never arbitrarily authorized a payment to a company that i was no longer do business with. I had 2 Capital One credit cards. The fact is that some time in XXXX or early XXXX, both of my cards expired, the XXXX numbers were no longer valid and no new cards were ever sent to me for my ability to use. I did not owe Capital One any money when it was decided by me to not continue having a Capital One card. Capital One claims they closed my bank card accounts in XXXX, which was ok with me. I did not use any of my 2 cards for nearly a year, yet recently, on XX/XX/XXXX a charge was billed to me in the amount of {$160.00}. First and foremost, I closed a recurring charge in XXXX with the XXXX  company i had done business with when I owned my business. In XXXX, I had a XXXX. I survived after having been placed on XXXX XXXX and was in the XXXX for 28 days. I had XXXX XXXX to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. my business was placed on hold immediately following my XXXX and XXXX XXXX. Capital One can easily the CFPB anyone else that use of either of the Capital One cards pretty much came to an end. Anyway, if you look at the charges that were ever logged on to my card, you'll see that I paid off any and all card charges and allowed the cards to have a zero balance and therefor remained closed. On or about XXXX of XXXX, Capital One arbitrarily opened my closed account and paid a bill on behalf of my closed company and myself without my authorization. When a card is closed by both parties, that is Capital One and Myself, and the card can not be used by me in any form or manner, the bank that owns the card can not just reopen the card, pay a bill and then expect me to accept the bill. The XXXX company in question has acted in Bad Faith and service with them was canceled. I called Capital One to dispute the charges. Capital One recently sent me a reply letter ( attached ), and wrote that they " ... consider this case closed. '' and expect payment from me. I do not do business with XXXX and i do not owe Capital One for voluntarily paying on my behalf from a credit card that was closed by them and me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home and I have a debt that is reporting on my credit report. The debt has a zero balance but the negative remark is hindering me from taking the next step. On XX/XX/2021, I wrote XXXX and XXXX about the concerns. I did not receive a response. On XX/XX/2021, I wrote Credit Collection ( the credit collection agency ), I also have not received response from them. On XX/XX/2021, I wrote XXXX and XXXX again. I still haven't received response. I need this debt removed from both bureaus immediately. I will attach proof of letters sent along with certified tracking numbers. 

Certified Letters : XXXX XXXX Credit Collection-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to Experian, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Credit card

Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control.
Product: Mortgage

On XXXX XXXX 2017 I had spoken with Unifirst Mortgage. I had clicked on preapproval on the XXXX Application. I was contacted by XXXX XXXX via phone call by their office. It was at that time I expressed I was only looking to see if we, my husband and I could even get a preapproval. I had zero understanding on the process and expressed this. I was charged a fee to go foward with submitting an application. I was told we would have to get a FHA loan. I later found out with my husband from a local company we are actually able to get a USDA loan, which we are going foward with. I contacted Unifirst to get my money back and was told the payment was actually for a credit analysis. This was not what we was trying to do. We only followed instruction by the loan officer 's at Unifirst, thinking this was an only option. We found out again, this was wrong. I felt uncomfortable at the time paying for an application and am still upset over the fact, that I was dismissed and no further contact was given after I requested for the refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Several inquiries are showing on my credit report that were not authorized by me. These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs XXXX XXXX XXXX Bank XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX Bank XXXX XXXX XXXX Finance All of the companies listed above obtained my credit report due to fraud. I have contacted each company and all companies have agreed to request the removal of the inquiry from my credit report. As of XXXX/XXXX/XXXX these inquiries are still showing on XXXX or more of my credit reports. I have attached a PDF of the letters I have received from the creditors above showing they have requested the removal of the inquires. I have also attached a copy of my photo ID for verification purposes.
Product: Debt collection

On XX/XX/XXXX I received a settlement letter via fax that acct # XXXX was to be settled for the amount of {$2400.00}. I set that payment up and it was taken from my bank account see documentation. I then never received a letter saying it was settled so I had my wife call to get XXXX, they told her they couldn't speak with her ( after I had already authorized her twice before ) I then received a notice from XXXX on XX/XX/XXXX that said my debt was sold to them and that I still owed the remaining amount on my account. I paid the settlement on XX/XX/XXXX per the agreement. ( see bank statement ) I also received a settlement letter for account XXXX with the agreement of paying {$3200.00} by XX/XX/XXXX, they didn't let me make the payment in accordance with their agreement as my account was sold on XX/XX/XXXX to XXXX. I was supposed to have until XX/XX/XXXX to make payment and they did not allow that to happen. ( see letter )
Product: Checking or savings account

I have an open complaint. # XXXX against wells fargo. my account was illegally accessed and drained of all funds. I was never notified due to the fact I was incarcerated. therefore I could not notify the bank of errors. when I did notify the bank they returned the debit accounts but not those taken from my checking account. which is XXXX. they claimed I should have notified them earlier, which I couldn't because I was incarcerated and did not receive statements from the bank. even though they knew I was no longer at the address listed. the account should have been frozen instead they let it be drained please help me get my money. wells fargo is a joke and hold no accountability. thank you XXXX XXXX attn all documents are on file with my above mentioned claim #
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found an erroneous information reporting on my Equifax Credit Report. I was never late on these account. I've already sent a request to Equifax to correct and update these matters but I am not sure if they have conducted a thorough investigation for these items : XXXX XXXX XXXX XXXX Balance {$190.00} XXXX XXXX XXXX XXXX Balance {$2900.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$6000.00}
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX, since XX/XX/XXXX, a late payment with XXXX XXXX ( Creditor ), a financier foXXXX XXXX reported a late payment to the credit bureaus that are not accurate. The credit bureaus reported a late payment from XXXX XXXX that are not accurate. This resulted in XXXX points. 

XXXX  were ordered from XXXX ( XXXX ) back in XX/XX/XXXX. Nothing was received and I followed up on XX/XX/XXXX, and there was no response from customer support whatsoever. I received an automated email that XXXX was undergoing a lawsuit between XXXX XXXX. I stopped payments due to a stop in treatment. 

After being followed up with by XX/XX/XXXX, approximately five months later, regarding my XXXX XXXX and finally being provided next steps in my treatment plan, I then paid the balance due, up-to-date, to XXXX XXXX. 

Therefore, the late payment reported is not accurate and needs to be removed. 

Since XX/XX/XXXX, Equifax removed a collection as a result of a dispute, but deducted XXXX points for a small increase in a closed account XXXX XXXX XXXX XXXX 

XXXX points and XXXX points for a small and yet inaccurate report is a very drastic drop and should be investigated on the competence and level of compromise in mishandling credit reports and the misuse of them by the credit bureaus, along with the measure in which they calculate such deductions.
Product: Vehicle loan or lease

To Whom It May Concern, I am writing to formally express my deep disappointment with the treatment I have received as a loyal XXXX customer. As someone who has purchased and leased four XXXX vehicles, I expected a level of service that reflects my commitment to the brand. However, my recent experience attempting to trade in my lease for a new vehicle has left me feeling frustrated, undervalued, and completely dissatisfied with XXXX and its customer service. 

During my visit to Toyota XXXX XXXX, I was met with an unacceptable level of disregard and unprofessionalism. My family and I were left sitting in a waiting room for an extended period manager went home, also while I was given vague explanations and excuses regarding my credit being run by another company. Despite my history with XXXX, I was not treated with the respect or priority I deserved. The lack of clear communication and the dismissive attitude I encountered made it evident that my business was not valued. 

Furthermore, my experience with the XXXX call center only worsened my frustration. When I attempted to arrange my payment for the following weekon my scheduled paydayI was met with disrespect and a complete disregard for my request. Instead of working with me, the representative abruptly hung up on me. This behavior is entirely unacceptable and does not reflect the premium customer experience that XXXX claims to offer. 

I have always chosen XXXX for its reputation of quality and excellence, but this experience has left me questioning my loyalty to the brand. As a long-standing customer, I deserve better treatment, transparency, and respect. The way I have been handled throughout this process has been unprofessional, disorganized, and dismissive, and it is completely unacceptable. 

I expect a formal response addressing these concerns and a clear explanation of how XXXX intends to rectify this situation. Moving forward, I sincerely hope that XXXX takes the necessary steps to ensure that no other loyal customers are subjected to such disappointing service. 

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

Subject : Request for Removal of Late Payments Under 15 U.S.C. 1666 ( b ) I am writing to formally request the removal of late payment information reported on my credit file in accordance with Section 1666 ( b ) of the Fair Credit Billing Act ( 15 U.S.C. 1666b ). I have never been late on payments for the account : ( SELF / LEAD ) ( XXXX ) I believe that the late payment reporting is either inaccurate or was caused by circumstances beyond my control, which are protected under this statute. Specifically, 15 U.S.C. 1666 ( b ) requires that creditors credit payments to accounts on the date they are received and prohibits unfair reporting when payments have been improperly handled. 
Given these circumstances, I respectfully request that you investigate this matter and remove the inaccurate late payment information from my credit report. This correction would ensure compliance with federal laws and maintain the accuracy of my credit history. 
Please notify me in writing of the outcome of your investigation. Should you need any further information, please feel free to contact me at XXXX or XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX has been reporting and billing me for loans and credit card repayment that, I, the Beneficiary allegedly owe. However me being the beneficiary it doesn't benefits me to repay. I am writing to address the matter of the debt associated with my account. I am the beneficiary of the XXXX XXXX XXXX XXXX, and repaying this debt is not beneficial based on a careful consideration of various factors. Firstly, I would like to draw attention to the etymology of the word " repayment, '' which implies paying again. As a beneficiary of a living trust, it is my understanding that repaying an alleged debt would mean paying twice, which does not align with the equitable principles that govern trust relationships. Everything is a trust. How? Because everything is an agreement and if anything has my name on it thats a legal title of my estate. Now lets look at the word credit which means trust. Now lets look at the word report which means property. My credit report is my trust report which is my property and estate. Furthermore, the maxim of equity states that equity does not punish. Repaying an alleged debt, particularly one that may not be legally enforceable or valid, could be perceived as a form of punishment. Equity regards the beneficiary as the true owner, and the trustee is obligated to uphold their duties in settling the account. Considering the aforementioned principles, I kindly request the following actions : Account Review : I request a thorough review of the alleged debt associated with my account in light of the trust relationship and equitable considerations. Account Settlement : If the debt is found to be valid and legally enforceable, I request clear instructions on settling the account. As the beneficiary, I trust that the trustee will uphold their duties to settle the account. Removal from Credit Reporting Agencies : I request the immediate removal of any adverse reporting related to this alleged debt from credit reporting agencies, as it is not beneficial to the beneficiary 's interests. You're furnishing this information to the credit reporting agencies which makes you the trustee. If you're not the trustee then you're a stranger. Its three parts to a trust. Trustee, settlor, and beneficiary. If you're not the trustee then you need to hand me my property back. I appreciate your attention to this matter and look forward to a fair and equitable resolution. If there are any specific procedures or documentation required to facilitate this process, please provide them at your earliest convenience. Thank you for your understanding and cooperation.