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

I am writing to formally lodge a complaint regarding inaccurate credit reporting by Experian and XXXX. I previously disputed an account appearing on my credit reports with all three major credit reporting agencies ( XXXX, Experian, and XXXX ). After their investigation, XXXX removed the disputed account entirely, confirming that it was either inaccurate or unverifiable. However, despite having provided the same supporting information, Experian and XXXX continue to report this account. 

Account Details : Name of Creditor/Account Holder : XXXX XXXX XXXX  Account Number : XXXX XXXX [ XXXX ] and XXXX [ Experian ] Summary of the Issue : I requested that XXXX, Experian, and XXXX investigate and verify the accuracy of the above-referenced account. After completing their investigation, XXXX removed the account from my report, acknowledging that the information could not be verified or was inaccurate. 

Despite having received the same dispute request and supporting documentation, Experian and XXXX have refused to remove or correct the account. Their inaction and continued reporting of this inaccurate information violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure maximum possible accuracy of the information they report and to correct or delete any information that is found to be incomplete, inaccurate, or unverifiable. 

Impact on Me : This inaccurate reporting is negatively impacting my credit scores and my ability to secure financial products at fair terms. I have made good-faith efforts to resolve this matter directly with Experian and XXXX, but they continue to report false or unverifiable information. 

Relief Requested : I request that the CFPB investigate this matter and compel Experian and XXXX to : Permanently remove the inaccurate and unverifiable account from my credit reports. 
Re-verify that all information reflected on my credit reports is accurate and up-to-date. 
Provide a written confirmation of these corrections to me. 

I have attached copies of my supporting documentation, including the response from XXXX confirming removal, and recent credit reports from Experian and XXXX showing that the incorrect account remains. 

Thank you for your prompt attention to this matter. I trust that the CFPB will help ensure that my consumer rights under the FCRA are protected.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I did a balance transfer from this credit card company ( Capital One ) on XX/XX/XXXX and the balance is still showing as of today XX/XX/XXXX. The card that I transferred the balance to is also showing the balance. Therefore, I now owe double on my credit file and it has affected my score. I contacted customer service and spoke with a " XXXX '' and he seemed confused by my questions of why I am still showing a balance. He thought I was asking to apply for an additional credit card.
Product: Credit card

I have been using Bank of America credit card for more than 5 years and I am not able to setup autopay for my credit card using Bank of America checking account. I reached out to them a couple of times to fix this issue as due to this issue I missed to pay my XX/XX/2023 bill and had to pay late charges as well as the interest. 
On XX/XX/2023 when I called the customer care, initially they sent me a document with steps to setup autopay to follow but some of steps mentioned there were not in my profile. Next time when they checked through screen share and found autopay option is not available, the operator reached out to her supervisor and later setup one time payment by mentioning this is the autopay. As it was one time payment it worked for a month but for the next month again when it did not work I reached out to customer care telling the whole story and at the end they mentioned you might have tried to setup autopay through billpay with some other bank due to which this option is not available in Bank Of America site even though autopay was not setup for my Bank of America credit card through any bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to dispute the XXXX record of a Toyota Motor Credit Corp report, reference # XXXX, of which the XXXX XXXX was in a accident around XX/XX/XXXX. The vechicle was fully covered by XXXX at the time of the accident. The insurance company deemed the car to be totaled. I notified the Toyota Motor Credit Corp about the accident with the claim number assigned by XXXX. Then I was told by Toyota Motor Credit Corp that I did not have to worry about any upcoming monthly payment regarding to that account. I also confirmed with Toyota Motor Credit Corp representative that there was nothing I need to do and all the matter would be settled between Toyota Credit and XXXX. With that being confirmed, I went to XXXX as pre-scheduled. However, when I called Toyota Motor Credit Corp again in XXXX to make sure the matter was settled, Toyota Motor Credit representative irresponsibly stated that they did not receive the payment from the insurance company. So I contacted the insurance company while I was in XXXX  to address this issue, XXXX representative told me that Toyota Motor Credit Corp did not contact them. As a result, XXXX did not know how to send the payment. I was confused and stressed, for this issue should have nothing to do with me at this point. However, sadly, I could do nothing but to beg the Toyota Motor Credit Corp representative to contact the insurance company to offer XXXX the information. I then stayed in XXXX  for my own business until XX/XX/XXXX.

When I returned to the US, I received a letter from Toyota Motor Credit Corp that asked me to pay {$500.00}, which I immediately payed Toyota Credit. According to the Lease agreenment Toyota need to notify me in person for unusual circumstance. I did nothing wrong in this whole process : I paid my dues, reported the situation immediately, notified both parties on time, and the only information I had was being notified that I had nothing to worry about. It is certainly the fault of Toyota Motor Credit Corp and the insurance company for not contacting each other in time. I had no idea about the {$500.00} extra payment until I got home. I still paid it immediately when I got the notification. However, Toyota Motor Credit Corp now has reported to the credit bureau for c/o ( charge off ) every month up to now ( XX/XX/XXXX ), which is unfair and unlawful. I have evidence for everything I have stated above, and Toyota Motor Credit Corp should also have record of the phone calls. Therefore, once again, I sincerely hope that Toyota Motor Credit Corp would help me resolve the unfair treatment I have been through. I will definitely fight for the rights I deserve.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX**** Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Student loan

1 ). I was not informed that my auto-pay was cancelled.

2 ). I was not informed that my forbearance I was forcefully placed into would prevent months of work from counting toward my PSLF 3 ). I was told I could back-pay and made the payment but the payment wasnt applied to the back-pay dates.

4 ). I can not reach a qualified service person ( manager ) to address the issue.

5 ). Hold times are 4-5 hours in total to speak to someone even if I call the minute the phone lines open.

5b ). This is UNACCEPTABLE access paramount to no access at all. We should not have ANY hold times let alone almost a whole work-day to get through to someone. Dropped calls, no call-back access. It should be illegal!
Product: Money transfer, virtual currency, or money service

The details : So basically I was conned in a " digital marketing '' platform scam. I was initially told that I didn't need to put any of my money involved and in the beginning I didn't. But then I came across I high ticket order and in order to get my account out of the negative I needed to add money into their platform/account. They originally gave me {$70.00} and let me keep my commissions for the first XXXX days .... even let me transfer my money out of the account a few times ... .now I have XXXX high ticket orders with just a little less than {$600.00} of my own money in this account and their asking for me to add more so I'll be able to finish this data set and then I can cash my money out. Because according to their rules you cant cash out until after completing your data sets... .But I really don't know what to do. I reached out to someone that I found on reddit that claims to get you your money back... I think he's XXXX XXXX XXXX  and just another scammer. Their platform is called XXXX 

When I talked to the person I found on reddit, they sent me supposedly a screenshot of the scammers portfolio showing them having XXXX tokens. I was able to send the reddit scammer a little information from my interactions with the scammers, sent them some blockchain information and supposedly they were able to show an account by the scammers. ( See below ) XXXX XXXX XXXX # tokentxns All the transactions went through cash app and converting my funds in cash app to bitcoin.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XX/XX/XXXX XXXX XXXX  Request for Debt Validation Dear XXXX XXXX  I am writing to request validation of the debt referenced in your recent communication dated XX/XX/XXXX Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you claim I owe. Please provide me with the following information : 1. The amount of the alleged debt. 2. The name of the creditor to whom the debt is owed. 3. A copy of the original agreement that created the debt. 4. An itemized statement of the account. 5. Verification that you are authorized to collect this debt on behalf of the creditor. During this validation period, please cease all collection activities until this information is provided. Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Sent money to wrong person Wrong person says there bank reversed the payment but never received it in my account wrong person bank Chase bank XXXXXXXX XXXX XXXX XXXXXXXX, My bank XXXX XXXX XXXX bank says never received money transfer from XXXX from his bank
Product: Credit reporting or other personal consumer reports

I have inaccurate information on my credit report on TransUnion, XXXX and XXXX that I have XXXX closed Charge off accounts from XXXX  XXXX with reporting balance {$2300.00}, and XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance of {$1100.00}. I never received a XXXX c form from the debt being paid off, and according to Law FRCA XXXX it is illegal to report information on my credit report without my permission.
Product: Credit card

I have an account with XXXX. My address changed and I updated the address in the store with an employee 12 months ago. I shop here maybe 3 times a year. I made a purchase at XXXX ( XXXX ) XX/XX/2016. I always use my XXXX card to pay for my purchases because of the XXXX % off of your purchase you receive for using it. XXXX % of the time pay it off after I charge it. This time I was in a hurry and did n't. I never received a bill. I shop here so infrequently that I was n't looking for it. 3 months later I receive a call from a collector at Citi on my cell phone stating I owe on my XXXX card. I explained to the Citi customer service employee about the mix-up and paid the amount in full. Even one of the late charges. As I was on hold, I logged into my XXXX Credit Report site and realized they had posted this and my credit score had dropped over XXXX points. I explained that I needed to speak to a manager and she put me on hold for 10 minutes only to come back and give me the contact information to contact XXXX. I told her no, I need to speak with her manager. I was then transferred to a Escalation Specialist who told me Citi was not responsible for the mistake of XXXX, that was their mistake as XXXX changed the address on my loyalty card and not on my billing address. THIS WAS NOT EXPLAINED TO ME. The escalation specialist gave me XXXX options to have negative removed from my report : 1 ) go to the XXXX retail store, speak to the manager about what happened, then call Citi and explain to them what happened with the address change 2 ) fax in a dispute. I happened to be at the mall so I walked in to the XXXX and had a manager speak with the escalation specialist. The escalation specialist 's story changed to the manger and quickly transferred the XXXX store manager to someone above her who told me I would need to fax in a dispute. I just can not believe a company like Citi is able to be so deceitful unfair and misleading to customers. I did n't pay my bill when I made the purchase, my fault. I PAID WHAT WAS OWED IN FULL as soon as the error was found on my part. I changed my address in the store and they said it was updated. I NEVER RECEIVED A BILL!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one has use my social security and got school loans from the Dept of Education/ XXXX . I contacted them about this. They been giving me a run around.It been over 5 years. They never respond.
Product: Credit reporting or other personal consumer reports

I am writing to address a concerning issue I've encountered regarding my ability to access my credit score online through your platform and other third party websites. Despite being a valued customer and diligently managing my credit, I have encountered difficulties in accessing my credit score online. As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant credit laws. These laws emphasize the importance of accurate and timely access to credit information, which is crucial for informed financial decision-making. I believe it is my right to access my credit score through your online platform, as stipulated by credit laws that govern credit reporting agencies like Equifax. I would like to draw your attention to the fact that the FCRA requires credit reporting agencies to provide consumers with access to their credit scores, enabling them to stay informed about their credit standing.
Product: Credit reporting or other personal consumer reports

I dont know who these company 's are that are doing these inquire on my 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/year>
Product: Mortgage

My mortage was sold from XXXX to SPS Servicing in XXXX XXXX. The original mortage was done in XXXX and at that time the escrow only included the taxes and I the homeowner always paid the insurance out of my own pocket. Well 12 years after the original mortage this new company SPS decided to pay my insurance company even though the declarations pages clearly state Insured pays this is not a demand for payment, they raised my payment. When I contacted them they and told them the issue, they stated the had the right of escrow. In the meantime my insurance company refunded me the mortage company payment and I called the mortage company and made a lump sum payment of {$2300.00} to my escrow account for their mistake and to cover the " shortage '', but my payment was never adjusted and the are still wanting me to pay the insurance amounts and also my insurance company is still debiting my account for the money too. I have tried numerous times to get this issue resolved and I never get any response other than they have the right to escrow.. I am now facing foreclosure because I am not making the full payment because in reality I do not owe what they stated and my escrow account actually has a credit amount in it, but they are still saying I owe back escrow payments but in reality I do not because my payment was never adjusted to reflect the lump sum payment I had already made. I have been dealing with this for almost 16 months now and they still continue to not evaluate my escrow, and now I recently switched insurance companies and they did it again where they paid the insurance when they received a declaration page clearly stating Insured pays. Also, the new insurance dropped approximately {$100.00} a month in cost, but the payment does not reflect this drop in rates and still say I owe {$300.00} in escrow a month when the math does n't add up and if I did pay them what they say I owe eventually they would owe me money. I am not a legal expert but this in my opinion is mortage fraud and is causing me much heartache over something that is the company 's fault and lack of understanding or ability to do simple math.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST TRUE ACCORD XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX Account number : XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dear XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information The name and address of the original creditor and the current creditor.

1. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

2. Full complete and correct social security number to help identify me as the correct person you are trying to collect from 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

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

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

Delete the late payments from my consumer reports
Product: Mortgage

Mortgage changed from XXXX to Roundpoint. Notified after XX/XX/XXXX payment cleared my bank on XX/XX/XXXX, have copy of statement. Now Roundpoint is claiming that I owe them an additional payment. They requested that I contact XXXX for payment history, zip file emailed to them last week, have copy. They are dysfunctional. Am now beginning to copy my attorney XXXX XXXX, XXXX NV on emails. 

Since XX/XX/XXXX, I have been unable to live in a condo I purchased, because the seller didn't disclose previous water damage and there was mold. After I was displaced there were four additional flooding incidents and I have been paying for both rent/lease and mortgage on a condo I'm unable to live in. There is currently a claim in mediation with the XXXX XXXXXXXX XXXX XXXX and an open trouble ticket with the NV XXXXXXXX regarding deceptive practices in the real estate industry, and individuals licensed with the State of Nevada. They are holding my FICO score and credit rating XXXX.
Product: Checking or savings account

I have had an account with discover Bank for many years. I also have a credit card with them that I use regularly and pay off every month. My XXXX  score is over XXXX. 

I received a phone call voice message from discover Bank saying to call the fraud unit at XXXX. They informed me that they closed my bank account citing a business decision as the reason. They further inform me that they're going to send me a check for the money in the Bank account. 

I am a XXXX  XXXX, XXXX  XXXX, veteran and have my account closed for no reason that I know of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have sent this company a cease and desist and demanded that they stop brandishing invalid information and they are refusing to meet my demands.