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

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account XXXX Dear CFPB, I am writing to formally dispute the inaccurate late payment information reported on my credit report for my XXXX XXXX account number : XXXX. Despite multiple requests for correction through dispute letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no resolution has been made. This constitutes a violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). 
FCRA Violations 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the maximum possible accuracy of information in consumer files. The persistence of incorrect late payments for XX/XX/XXXX and XX/XX/XXXX on XXXX and TransUnion demonstrates non-compliance with this mandate. 
15 U.S. Code 1681e ( b ) : This provision obligates credit bureaus to adopt reasonable procedures to maintain the accuracy of credit file information. The inaccuracies on my report suggest a failure to uphold this standard.

TILA Violations 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The late payment notations are inconsistent with my payment records, suggesting non-compliance with this requirement. 
The Truth in Lending Act also emphasizes the necessity of accurate and timely disclosures, which have not been upheld in my case, causing harm to my creditworthiness and financial standing. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties on consumers. The inaccurate late payment reports for XX/XX/XXXX and XX/XX/XXXX violate this act, as these late payments were incorrectly recorded and not reflective of my payment history. 
XXXX XXXX XXXX Account Details : Account Number : XXXX Account Type : Installment Auto Loan Monthly Payment : {$260.00} Balance : {$6300.00} Open Date : XX/XX/XXXX ( TransUnion ) ; XX/XX/XXXX ( XXXX ) Payment Status : Current Last Reported : XX/XX/XXXX Two-Year Payment History : TransUnion : XXXX XXXX payments noted for XX/XX/XXXX and XX/XX/XXXX. 
XXXX : XXXX late payments noted for XX/XX/XXXX and XX/XX/XXXX. 
Desired Resolution Immediate removal of the inaccurate late payment notations for XX/XX/XXXX and XX/XX/XXXX from my credit reports with TransUnion and XXXX. 
Written confirmation of the correction. 
Failure to resolve this matter will leave me no choice but to escalate my complaint further, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal action under the provisions of FCRA, TILA, and PAANL. 
Please address this issue promptly and confirm the resolution in writing. 
Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

CapitalOne will not request the title from CA even though I have a buyer lined up to purchase the vehicle. They will only request the title if you are changing the name or the state of the title.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, a consumer, demanded XXXX and Equifax to remove accounts off of my credit report. I have sent over four dispute letters, and one of them is an affidavit. The first dispute letter to remove the accounts described in the letter was on XX/XX/2021, the second dispute letter was sent on XX/XX/2021, the third dispute letter was sent on XX/XX/2021. Lastly, the fourth dispute letter which was an affidavit of truth, was sent on XX/XX/2021. 

XXXX and Equifax continue to violate my consumer rights due to their negligence and failure to comply. Both, XXXX and Equifax, violated my consumer rights under 15 U.S.C. Sec. 1681i ( a ), must complete the reinvestigation within 30 days of receipt of the dispute letters. As well as, pursuant to 15 U.S. Code Sec. 1681 ( b ) XXXX and Equifax does not have permission to report these accounts on my behalf. For violation I am entitled and seeking a total of {$2000.00} from each company. I have also sent and attached an invoice of {$2000.00} along with the affidavit of truth dispute letter as a result in damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquires on my credit report. I have attempted to resolve with credit reporting agencies but no changes have been made. The only information that was given was that the information is correct and accurate.
Product: Payday loan, title loan, or personal loan

I had an account with this company last year to build my credit score. There was an issue when I switched banks the website would not allow me to add my banking information. I was late on my payment because I could not pay my bill online and there was no other way to pay it. I called the company to fix the issue and I emailed them and it wasn't fixed. my credit score has been impacted by this reporting because I was reported as being 60 days late. I tried to just use this information with the credit bureaus with no success and the company will not budge on its reporting of my payment history which is upsetting because rather than build my credit it actually hurt it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a Home equity loan from XXXX XXXX since XXXX ( interest only payments until XXXX ). In XXXX it converted to interest and principal payments ( the monthly payment nearly doubled ). As I was now retired on a fixed income at that time, the new higher payments were a struggle to make. I applied to XXXX for a loan modification. This process was to say the least, agonizingly slow and laborious. However, after many months the modification was approved and my new monthly payment was reduced by half making it very affordable and putting my mind at ease. <P/>But here 's the problem. From XXXX of XXXX to XXXX. of XXXX the payments were getting ahead of me. I started to fall behind while waiting for the modification from XXXX to come through. When I could I would go to the local branch of XXXX and make payments of {$1000.00} dollars. In one of many phone conversations with the modification officer working my case, I mentioned making these payments. He said I did n't have to do that. He stated that any unpaid balance would be assimilated in to the modified loan. So I stopped making those payments. <P/>The modification was approved and I entered the 3 month trial payment period. Having made those trial payments on time, the final new modified loan was approved. And in deed, the previous balance was assimilated in to the new loan and the account show current. <P/>Now, here 's the rub. It seems that during the 3 month ( XXXX, XXXX and XXXX of XXXX ) trial period those payments did not go directly towards the loan balance. I 'm assuming they went in to some kind of holding account until the trial period was over. And, indeed that is what happened. But meanwhile the bank reported that not only were there late payments from XX/XX/XXXX toXX/XX/XXXXbut they also reported as late, the trial period payments ( XXXX, XXXX and XXXX XXXX ) even though they were made on time. <P/>My credit rating has since gone downhill now. I have written to XXXX and even contacted the local XXXX branch manger to try and correct this problem. According to the Credit bureaus I 've contacted, this type of dispute has to be corrected by the bank. The bank has replied basically saying " Tough luck '' I 'm a XXXX XXXX XXXX retired Veteran. I may not have 7 years to wait for the credit report to " self '' clean the information. <P/>I 'm at a loss as to how and try to fix this problem. I WAS TOLD by the bank that I did n't have to make those payments and then they XXXX me ( and I 'm guessing a lot of others too ) by giving me a bad credit rating with no effort to fix it. <P/>I 'm at a loss!
Product: Credit reporting, credit repair services, or other personal consumer reports

Have these places, things, and address that I've never lived, credited, or worked. Phone numbers I never had Things never Applied for : XXXX XXXX XXXX XXXX   XXXX XXXX Conserve XXXX XXXX XXXX   Tribute Address never lived : XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX  MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Telephone number never Had : XXXX XXXX XXXX XXXX Last name changed to XXXX ( maiden ) 2011 So would like to file a Dispute Please!!!
Product: Debt collection

I filed a dispute with Lazega & Johanson , LLC over 30 days ago .I informed Lazega & Johanson , LLC that I am disputing their claim.moreover I requested that Lazega & Johanson , LLC supply me with copy of the contract with my authentic signature and XXXX XXXX XXXX XXXX XXXX signature which makes the contract legal Lazega & Johanson , LLC never provided a true copy of contract with my authentic signature or XXXX XXXX XXXX XXXX authentic signature and continue to harrass me with lawsuits and fees thats are not included in the original amount.the consumer is not responsible for any other fees, late fees, or finance charges outside of the original amount owed and that is in the FDCPA. I the consumer has been tricked to pay fees I was not supposed to pay out of fear of getting sued and being threatened by Lazega & Johanson and by XXXX XXXX XXXX XXXX and I want my money back. I am in fear of Lazega & Johanson and XXXX XXXX XXXX XXXX with all of the threats, phone calls, and letters that I have received from them.further more the fair credit reporting act regulates how creditors handle consumers dispute.the statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct.after 30 days have expired if creditor have not completed the investigation the disputed item must be deleted.finally Lazega & Johanson , LLC and XXXX XXXX XXXX XXXX failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a fine.
Product: Mortgage

I was under a covid 19 forebearance program. I was contacted in XXXX of XXXX  that I had to make a payment of over {$50000.00} to bring my account current. No other amount will be acceptable. It took me just under 60 days to sell belongs cash in CDs ask family and friends for help and of course had to go to zero expenses to raise the money.My wife and I did and paid it current in XXXX of XXXX. The amount paid was {$53000.00}. On my credit report I notice that I was charged a 90 day lateness in XXXX of XXXX  and a 90 day lateness in XXXX of XXXX. This has done tremendous harm to me because my insurances, all of them are going up, and it makes it impossible for me to get a mortgage, lease a car as that payment amount is unaffordable, or take advantage of deals that require a store card. I want to refinance a property to get money to get caught up on my bills. I have a ton of equity just no cash. Will not qualify for an FHA manual underwrite because of these latenesses. I contacted shell point and I am told they have been asking for the money since XX/XX/2022. I was able to get the statements they claim to have sent me. I never recd a statement from them in XX/XX/2022 nor XXXX of XXXX. Secondly, how can they ask me to go from no payments for the past 10 months or so to a XXXX time XXXX plus payment, and accept no other amount as a payment option. Thirdly, they reported me 90 days late in XXXX. The first payment statement they said they sent was in XXXX. How could XXXX be 90 days late? That would mean I should have gotten a statement in XXXX of XXXX, which even they admit to not sending me. I feel that my credit report is not accurately reflecting this account. There is no payment being asked of my until XXXX on the credit report. On the credit report it states that amount is {$1700.00} is due in XXXX. I have statement that the payment amount being asked was over $ XXXX. In XXXX it says amount due is XXXX my regular payment and reflects the {$53000.00} payment bringing the account current. The account statement for XXXX states over $ XXXX is due. Lastly the XX/XX/XXXX late has to be removed because they only sent me a statement in XXXX according to them, so how could XXXX be 90 days late? XXXX XXXX  90 day lateness should be removed for 2 reasons. First is they never notifed me that an amount was due until XXXX. Second reason is the latemess and credit report make it appear that a {$1700.00} payment was not made in XXXX when that was not being asked of me. I was asked to may over $ XXXX. And because asking someone like me to come up with {$50000.00} cash today is very hard.
Product: Mortgage

Mortgage balance discrepancy with Chase prior to loan being transferred. Requesting copies of monthly statement or detailed payment history from XXXX thru XXXX. Payment history to include : -beginning monthly balance -escrow balance -payment & interest -escrow balance YTD paid -interest paid -taxes paid -principal paid -insurance paid -PMI/MIP paid
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Previous Address ( es ) : 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 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
Product: Debt collection

Received threatening phone call from a woman who would not give me her company name of the case number of the case she claimed she had against me. She supplied incorrect personal information regarding me and was trying to extort me for money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I have emailed Santander Consumer USA for a closed account on my credit report I have not received a response back to resolve the problem I truly want to fix this problem I am experiencing I have lost everything due to this matter please feel free to email me. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX  XXXX XX/XX/2023 {$0.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Mortgage

We recently received an email from our insurance agency saying that our mortgage company ( Mr Coopers ) contacted them to try and make a late payment on our homeowners which has been lapsed since XXXX due to them missing a payment. This was the first that my husband and I had heard from anyone about it being lapsed. We have never had an issue with it being paid out of escrow before in the 5 years we have had the policy. Mr. Coopers is blaming the insurance company for not sending them a bill and the insurance company is blaming the mortgage company for not notifying them that they purchased the mortgage from XXXX XXXX XXXX. My husband and I are now being forced to purchase a state insurance plan with a XXXX dollar premium when the policy we had before was only XXXX. We will likely not be able to afford our house note. Mr. Coopers also sent us a letter in the mail two days ago stating that we will have to reimburse them for the insurance during the time period that we were lapsed.
Product: Checking or savings account

On XX/XX/XXXX, I was made aware by a Capital One fraud alert that there were some suspicious activity. I further need my account and realized that someone made unauthorized transactions and withdrawals. I immediately called Capital One to dispute the transactions. They then canceled the current debit card and reissued another debit card. However, I was never in possession of any debit card from Capital One because someone was stealing the mail at our residence and had intercepted the mail before I could get it. This also occurred for the replacement debit card. It was intercepted and subsequently withdrew more money and made more transactions on my account. As previously before, I was not aware until I received an alert and I then called into Capital One. Capital One decided to freeze my account and I went in and changed my password because my password had been compromised. Capital One then performed an investigation and determined that all the doodled transactions were authorized and no error occurred. They also decided to close my account and relinquish our relationship and informed me that I would not be able to open a checking or money market account with them in the future. They also told me that if I wanted any information regarding the investigation, that I would have to contact the police and they subpoena the bank to give the information. At no time was I asked to complete an affidavit or sworn statement to confirm that those transactions were unauthorized. I had to call Capital One to find out that the transactions weren't going to be reversed. I was unjustly, unfairly treated by Capital One and wasn't my money back. I've also had two credit cards that I possess with them for a few years and never had any fraud activity going on with those accounts. Why would I start work a checking account containing my own money.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against XXXX XXXX XXXX XXXX XXXX ) regarding their failure to remove an inaccurate late payment from my credit report, despite my repeated efforts to resolve the issue directly with them. 



The late payment in question occurred in XX/XX/XXXX under my business, XXXX XXXX, XXXX ( Account # XXXX ). This was the only late payment ever recorded on this account. However, the delay was caused by XXXX  failure to promptly resolve issues with my ability to access their online payment portal. When I leased the vehicle in XX/XX/XXXX, I attempted multiple times from XXXX to XX/XX/XXXX to gain access to the portal, making numerous calls to XXXX representatives. Despite my efforts, I was unable to make online payments due to unresolved technical issues on their end. It was only in XX/XX/XXXX that an XXXX representative finally identified the problem and corrected it, allowing me to make payments successfully. 



Although this issue was clearly caused by delays in XXXX system, they have refused to remove the late payment from my credit report, which is unfair and inaccurate. This negative mark has significantly impacted my ability to secure housing for my family. Furthermore, this is a business auto loan, and as such, it should not be reflected on my personal credit report, as I was never in default on this account. 



I request the CFPBs intervention to ensure that XXXX removes this unjust late payment from my credit report and correctly reports this business loan in accordance with applicable regulations. 



Thank you for your time and assistance in this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX  - XXXX