23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing to you about a matter that has caused me to be reported late for XXXX XXXX on my credit report for the reference account. In XXXX, XXXX, I called in to adjust my payment date so that payment would be earlier than the first of the month, for tax purposesI wanted to have the interest on my XXXX payment reflected in XXXX. This involved cancelling an automatic payment and scheduling a new payment date late in the month. This call was due to a previous issue ( in XXXX, XXXX ), that created a duplicate payment ( on XXXX and XXXX ) that was difficult to remedy. I was attempting to avoid a similar situation in XXXX. Apparently, when the late-in-the-month payment date ( of late XXXX ) was entered in to the Wells Fargo automatic payment system, it was rejected because it was after the XXXX of the month. I was never informed, I learned this later. I only became aware of this in XXXX of XXXX, when I was contacted by phone about a payment that was not received. I promptly remedied this situationit simply meant moving money around within the Wells Fargo banking system. Because of the alleged late payment that Wells Fargos credit department reported to the credit bureaus, and my XXXX score dropped by about XXXX points ( about XXXX XXXX ). I corresponded with XXXX XXXX and explained the situation to them, they concluded this was not their fault. I requested that they read the excerpts of the call I had made in XXXX, where I was led to mistakenly believe by the Wells Fargo phone representative that the auto payment. They still deemed it was my fault, after which point I asked them to produce the phone call transcript and was told that it was not Wells policy to share my own call transcripts with me.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX balance {$10000.00}, XXXX XXXX balance {$190.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion and XXXX, to let them know of unauthorized inquiries on my credit reports and asked them to remove these credit inquiries from my credit profile and they refused, so I sent letters asking them to look into this matter and to remove the inquiries but to date there have been no responses from the bureaus. Since sending the letters more than 30 business days ago, they have failed to respond and honor my request. These unauthorized inquiries are negatively affecting my credit standing and ability to obtain a mortgage.
Product: Debt collection

I have a personal loan with One Main Financial. My probelm is repeated phone calls and mail about my account. i have attempted to clarify the terms of my loan to no avail. My due date is the XX/XX/XXXX of the month, my grace period before late charges kick in is 10 days. While my payday is the XX/XX/XXXX usually, I don't mail my payment until that date. which allows 6 days for the payment to reach them. My problem is I begin receiving phone call and mail correspondence the day after my due date of the XX/XX/XXXX. Currently on my phone I have saved over 40 phone calls in 60 days and 28 pieces of mail in just over 30 days. All this is going on while I am traveling everyday to take my wife to XXXX XXXX. My question is do I have any options legally in this matter..
Product: Credit reporting or other personal consumer reports

Credit inquiries that I did no authorized 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter to all 3 Bureaus requesting an investigation of inaccurate and and unverified information on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

On XX/XX/2020 I followed this letter with a demand to comply letter. At that point had not received any response. I also filed a complain with the CFBP incorrectly and included the collection agency as the company who was falsely reporting on my credit report. My complain is with the 3 major credit bureaus and their lack of follow up with me about their physical investigation to my request on a timely manner within the letter of the law. 

I am also concerned I may be a victim of the XXXX information breach and want to have these issues rectified as soon as possible. 

For these reasons I want all derogatory information from Account XXXX XXXX removed from all 3 major credit bureaus on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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: Mortgage

I looked at the closing disclosure and again I was told that the closing cost cash to close XXXX different than what I was told yesterday XXXX. The cash to close is well above what I can afford right now. I must admit that I am experiencing stressful situations with a simple loan that increase from small amounts to close to a amount that empty my bank account. Loan was originally estimated XXXX now XXXX. 

Closing should not very by several thousands dollars. I feel that the financial burden that is now being asked is well beyond my budget. 

Please advise on the next steps.
Product: Credit reporting or other personal consumer reports

1 am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-ott. The account in question Is listed as tollows : Creditor Name : ASHRO Account Number : XXXX Date of Charge-Off : XX/XX/2018 Creditor Name : ASHRO Account Number : XXXX Date of Charge-Off : XX/XX/2018 It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should onlv be reported once. corresponding to the date it was charged off.

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.

Thank you for your prompt attention to this matter.
Product: Credit reporting

I 've attempted to retrieve my Experian free annual report and the system indicates that I can not get a report. I do not understand why. I have not yet gotten a free annual disclosure and furthermore I am actually an Experian customer. I subscribe to their FICO score and report product, but this product does not show the full report with items such as soft inquiries. I wish to receive an online copy of my full report.
Product: Credit card or prepaid card

Key bank benefit card. My account has been hacked twice someone has been doing wire transfer on the internet and they stole my money it took me almost a week of being on the phone for hours and hours only to have the phone hang up. They kept giving different departments I kept getting different information from each call. Finally I get a new card 2 weeks later, it happened again 2 days later not only did they steal the refund they gave from the it happening before but my current payment as well I had to go through the same thing all over again I was told so many different things I need to do. One phone call I was told my information got leaked on the internet because key bank benefits got hacked and all my personal information is on the internet and the person told me your information has been exposed to the internet I just deleted everything so youre account is fine and told me my new card ( 2nd ) will arrive in 10 to 15 business days. They I got transferred to the disputed department and I told them what was told to she said thats not possible we dont have the ability to do that and told the I was lied too that there is nothing that they can do but keep disputing it. So I went to get a different bank account I tried to log in to what was told to me and it would not accept my mom madden name I called again we went though it and it still would not work I was told it had been reset I tried and would not work so Im stuck with KEYBANK BENEFITS and nothing havent been done about it so every weed I dont know if I will receive my unemployment benefits. I had to purchase identity theft program. All together it was {$1500.00}. Can u please help me. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE COMPLAINED TO ALL THREE CREDIT BUREAUS ABOUT FEDERAL LAWS THEY ARE VIOLATING ON REPORTING MY CREDIT FILES, BUT IT COULD TAKE UP TO 90 DAYS, I UNDERSTAND THEY HAVE 30 DAYS. THEY ARE VIOLATING THE XXXX VETERANS PROTECTION ACT OF 2010 TITLE 38, SECTION 5301. THEY ARE VIOLATING FAIR CREDIT REPORTING ACT. THEY ARE VIOLATING CONSTITUTIONAL LAW AMENDMENT XIV, SEC 4.  THEY ARE VIOLATING TRUTH IN LENDING LAWS, THEY ARE VIOLATING FEDERAL CONSUMERS PRACTICE ACT. THEY ARE VIOLATING FEDERAL EXEMPTION LAWS. XXXX LAW DICTIONARY. I WANT MY CREDIT FILE RESTORED WITHIN 30 DAYS, NOT THEIR 90 DAYS THAT THEY SAY IT WILL TAKE THEM. I EXPECT THEM TO FOLLOW FEDERAL LAW GUIDELINES, NOT THEIRS. SIGNED XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX, TX XXXX THANKS.
Product: Credit reporting or other personal consumer reports

In alignment with the Fair Credit Reporting Act : The account listed below has transgressed my federally safeguarded consumer rights concerning privacy and confidentiality as delineated in 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX, have all infringed upon my rights. 

According to 15 U.S.C. 1681, Section 602A, I am entitled to the preservation of my privacy. 

Additionally, under 15 U.S.C. 1681, Section 604A, Section 2, it is explicitly stated that a consumer reporting agency can not provide an account without my express written consent. 

Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) clearly specifies that no consumer reporting agency may include certain categories of information in a consumer report, excluding records of crime convictions that predate the report by more than seven years. 

Lastly, as per 15 U.S.C. 1681s-2 ( A ) ( 1 ), an individual is prohibited from providing any information pertaining to a consumer to any consumer reporting agency if they are aware or have reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XX/XX/year>
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 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 XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian 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 Processed on Time : I made the payment on time, but it was not credited correctly, resulting in a late payment entry. I have attached the payment receipt and a bank statement showing that the payment was made well before the due date.

System Error : I had set up automatic payments through my bank, and this particular payment was deducted from my account on time. It appears there was a technical issue between my bank and XXXX XXXX, which caused the delay in posting the payment. 
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
Product: Debt collection

Collection company called me at my place of employment on XX/XX/year> at XXXX. PST after calling previously and being told specifically NOT to contact me at work. This time, they altered their telephone number to make it appear as if it were a local call ( we have caller ID and can see the name of the person calling in ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I've sent a letter to the credit bureaus to correct this erroneous information. I will file a lawsuit against you because I think you failed to verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I had brought up this in my prior COMPLAINT #, and I'm discussing it again. 
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: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit dispute on XXXX, XXXX 2022 to transunion under the reference number XXXX, since my rights as a consumer are being violated for the collection company XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX  a wire transfer for XXXX was taken from my account. On XX/XX/XXXX  I was notified by the card company via email that my pin was changed. I immediately got online and found that a XXXX wire transfer was done on my account. I did not authorize or complete this transaction myself. I immediately changed my pin and password, called the card company, cancelled my card, and reported the theft. The card company cancelled my card, reissued a new one, and sent me paperwork to file the theft claim. I received the theft claim paperwork on XX/XX/XXXX  I immediately filled it out and faxed back to the company. They never received it. Apparently I was given the wrong fax number. I then put the paperwork in the mail. I called daily for 2 weeks before they received my claim. They told me Id get my money back on my card within 45 days. They told me to call every 24 to 48 hours to check my claim. The first time I called, they said my claim was denied and closed. I request the information they used to close and deny my claim, but they couldnt tell me. I asked to speak to a supervisor, they said they dont have a supervisor. They finally reopened my claim and again told me to call every 24-48 hours. I would call and be on hold from 1 to 2 hours every single time I called. Nothing was ever done for 3 months, always being told my case was still being investigated. I quit the daily called in XXXX. I would call every week after that and still not result. Finally on XX/XX/, I was told by the card company my case was once again denied and closed. I have been asking for the account number where my XXXX was wire transferred to and they would not give it to me. Finally on XX/XX/XXXX  I was give the routings number and account number to where my money went. I called the XXXX bank in XXXX XXXX, sd where my money was wired to and asked about that specific account and told them about the theft from my account. They told me that specific account was flagged and closed on XX/XX/XXXX  for fraudulent activity and flagged by their dispute team. I call my card company the same day and told them. And requested my money be put back on my card for the 50th time. They transferred me but I was continually hung up on. I called again on XXXX XXXX XXXX  and was on hold for 3 hours before I finally gave up. 

Apparently my card company did not investigate this theft, otherwise they would have found out the theft account was closed and flagged for fraudulent activity. I had to do it on my own. 

I am requesting your assistance in recovering my money. It was my unemployment benefits. The only money I have. I am still unemployed and have no resources. Please help me get my money back
Product: Checking or savings account

My Suntrust account is now closed and I need copies of statements from the month of XX/XX/2018 until time of closure, I do not have access to my online account as again, it is closed. I require these statements in a PDF file format in order to attach to a separate complaint against XXXX XXXX. XXXX XXXX stopped payment on a close out check in XXXX of 2018, which was deposited to my Suntrust account. A subsequent replacement check was sent and intercepted by a third party, cashed in my name without my conest or knowledge. The funds were stolen, XXXX XXXX refuses to reissue check for funds owed to me. These statements are required to show the intercepted check was not deposited into my account and is in fact overdrawn due to stop payment mentioned prior.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX Balance : {$260.00} XXXXXXXX XXXX, XXXX. XXXX Balance : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX Original creditor : XXXX XXXX Balance : {$2500.00} XXXX  XXXX & XXXX Original creditor : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX Balance : {$880.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! THESE ILLEGAL ACCOUNTS ALSO PASS THE STATUE OF REPORTING AND LIMITATION BEING THAT THEY ARE UNAUTHORIZED/ILLEGAL FRAUDULENT ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

XXXX XXXX {$31000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  {$8700.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$10000.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer 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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I have received six phone calls and messages from Capital One ( XXXX ). My phone number is XXXX. I am on a no call registry and I assume they are trying to reach XXXX XXXX, the previous person assigned this phone number. I have had this phone number for the past year, but constantly get debt collection calls from various companies ( XXXX XXXX, XXXX, XXXX, XXXX ) You were so helpful in helping to stop XXXX XXXX from harassing me. I have Never had any dealings with Capitol One and they regularly call twice a day. I do not pick up.
Product: Debt collection

Affirm was reporting to my credit that I owed XXXX for a XXXX  purchase. 

I contacted XXXX  which was their debt servicer. They gave me a settlement offer for the XXXX to pay only XXXX to have the debt " settled in full ''. 

XXXX XXXX  has confirmed this to me and I have the documentation showing this. But affirm, instead of updating my account to show a XXXX balance. They are showing that I still owe XXXX and that there has been no settlement.