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

XX/XX/XXXX RE : Inaccurate Late Payment Reporting on XXXXXXXX XXXX XXXXXXXX Account Account Number : XXXX Dear CFPB, I am writing to formally dispute the reporting of inaccurate late payments on my credit report for the XXXXXXXX XXXX XXXXXXXX account. Despite submitting multiple requests for correction through letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the discrepancies remain unresolved. This lack of resolution directly violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), causing undue harm to my creditworthiness and financial stability. 
FCRA Violations : 15 U.S.C. 1681i : Credit reporting agencies are obligated to ensure that consumer files are accurate and up-to-date. The reported late payment entries for XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) have not been verified or corrected, despite clear evidence submitted in my previous disputes. 
15 U.S.C. 1681b : Mandates the accurate use and reporting of consumer information. The erroneous late payment reporting demonstrates a failure to comply with this requirement.

TILA Violations : 15 U.S.C. 1666b : Requires creditors to provide periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests non-compliance with this statutory obligation.

Consequences of Inaccurate Reporting : These reporting errors have adversely affected my credit score and financial reputation, impacting my ability to secure credit on favorable terms. Additionally, the persistence of these inaccuracies despite multiple correction requests has caused significant stress and financial hardship. 
Actions Requested : I request that your office : Immediately remove the inaccurate late payment notations from my credit reports with XXXX, XXXX, and TransUnion. 
Provide written confirmation of the corrections within 30 days from the date of this letter. 
Ensure all future reporting related to this account is accurate and complies with federal laws. 
Next Steps if Unresolved : If this matter is not resolved promptly, I am prepared to take further action, including : Filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and relevant state agencies. 
Consulting legal counsel to address the violations of federal laws and the resulting damages. 
Publicly sharing my experience to raise awareness about the lack of accountability in credit reporting practices. 
I trust that you will treat this matter with the urgency and diligence it deserves to ensure compliance with federal regulations and to rectify the harm caused. 
Thank you for your immediate attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

My Wells Fargo Home Mortgage was in default by 60 days but wasnt in foreclosure. My wife made an electronic payment to Wells Fargo on XX/XX/XXXX and XX/XX/2023 which brought our home mortgage account up to current status. On XX/XX/2023 i stopped at my old home address XXXX XXXX XXXX XXXX Illinois XXXX, i found a red notice glued to my front exterior storm door that said this property was inspected and action will be taken to prevent further deterioration and new locks will be installed. I called XXXX and a Wells Fargo contracting company answered, XXXX XXXX XXXX XXXX is XXXX- inspection # XXXX, they told me even though i lived at this address for 15 years this is a FHA loan and Im required to live at this property permanently. My back gate had the lock remived and the gate was left open. This is appalling and unacceptable, i told them this property belongs to me and this is trespassing, loaki asset told me Wells Fargo can inspect my home anytime they want.
Product: Debt collection

I mailed a certified letter to First National Collection Bureau Inc in XX/XX/2020 because they have contacted me numerous occasions regarding a debt they say belongs to me from XXXX XXXX XXXX. In my certified letter I asked the First National Collection Bureau Inc to please provide me proof that the debt they say I owe is valid because I never authorize XXXX XXXXXXXX XXXX to authorize a credit card in my name. In my letter, I also asked First National Collection Bureau to re-frame from calling me and to communicate with me through postal mail because they have been harassing me with at least five calls a day. I have a history of all the times they called. I also file a dispute with the XXXX XXXX and XXXX for them to investigate this case as well. I also reached out to XXXX XXXXXXXX XXXX  and they encourage me to speak with First National Collection Bureau Inc.
Product: Credit card or prepaid card

I lodge this compliant as a follow up to my call with the Consumer Finance Protection Bureau on XX/XX/XXXX. Call Reference Number is XXXX. 
As elaborated on the call, on XX/XX/XXXX, my fiance ( now my wife ) and I walked into the XXXX XXXX  store in XXXX XXXX   to purchase her engagement ring and our wedding bands. 

After picking our rings, we were ready to pay for them when the sales associate offered a promotional plan where we make a down payment and then the balance made over 18-monthly payments at 0 % interest. 

We accepted and the sales associate went ahead to calculate the down payment amount of {$1400.00} for which we paid for, leaving a balance of {$5300.00} to be made in 18 monthly installments. She then went ahead to let us know that we should keep an eye out in e-mail/mail for the credit card which supports the financing as well as the first billing statement. 

The first bill statement was sent in XX/XX/XXXX and stated a due date of XX/XX/XXXX. We made the first installment payment of {$300.00} on the basis of a 0 % interest and 18 monthly installments as was explained to us at time of sale. ( That is {$300.00} x 18 ). 
Following that, we set a direct debit standing order to consistently settle monthly payments of {$300.00} on time with no defaults, and made the final payment of {$260.00} on XXXX XXXX to close out the card. 

We were thus utterly shocked when on XX/XX/XXXX, I got an e-mail from Comenity Bank that payment was due for {$1200.00}. I first engaged Comenity via e-mail on XXXX XXXX to flag and dispute this amount as an error and they explained that final payment was due by XX/XX/XXXX for the promotional period and because we were 5 days shy of that date, we are being charged with all interest accrued over the period. 

Several messages and calls have been made to Comenity since then to explain that what we were sold at XXXX was exactly what we abided by, but they fail to understand. 

Even worse, while we are still having discussions with Comenity to resolve this issue, we discovered a delinquent report sent to XXXX  and an adverse hit of 102 points to my credit score.  This directly goes against their terms as noted behind bill which states that while a mistake on a statement has been notified, Comenity will not collect the sums due in question nor report any delinquency to credit reporting agencies.
Product: Mortgage

I had got my statement for XXXX and it said that I was late that I didn't pay XXXX 's mortgage payment but I paid it I sent in a check for {$3.00} XXXX on XX/XX/year> I sent my payment through the mail I do not do automated payments or payments over the phone anymore because there was a breach with this Rushmore Servicing and I always mail in my payment but they didn't get it they claim they didn't get it and so now it it shows that I'm late so I call them I had a difficult time reaching them I finally had to go through the chat and finally someone came on chat but their phone service is terrible it continues to automatically automated give you automated answers that you've already answered and it doesn't connect you to a live agent so I had to go on the website and connect with the live agent on chat but this has happened before with Rushmore so I see this happening and I don't like it and I feel uncomfortable mailing and payments and then they're saying that they don't get them so not sure what's happening but I wanted someone to be aware of this issue this is not the first time and if you I think Rushmore has been noted as being a bad service loan Management Service
Product: Debt collection

Someone pretending to be Express Recovery asked to speak with me and I responded with yes, then they confirmed my identity and I hung up when they tried to transfer me. Upon looking up the number I realized it was an impersonator and now Im worried they will attempt to authorize fraudulent charges using my voice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know where the third party is coming. Why do I need to send an authorization to Experian? I personally file the first complaint and dispute MYSELF. Can you please tell me where the XXXX you are getting your information from? I will NOT call them since I have already file a dispute in XXXX of 2020 and a complaint XXXX of this year. SERIOULSY!!!! this is ridiculous that I have to go thru AGAIN and spend my time redoing XXXX I have already done all because they don't want to do their jobs. I will attached a copy my of SSN and License so you know it me and I wont have to go threw again.
Product: Credit reporting, credit repair services, or other personal consumer reports

WELLS FARGO IS CURRENTLY & HAS BEEN IN VIOLATION OF MANY OF MY FCRA & FDCPA RIGHTS!!!! 
Wells Fargo KNOWINGLY & WILLINGLY REPORTS UNLAWFUL REPORTS TO MY CONSUMER CREDIT PROFILE!!! 

I PLAN TO TAKE ACTION & SEEK COMPENSATION PER VIOLATION!!! Wells Fargo HAS CUASED DAMAGE TO MY CURRENT STATE OF LIVING & HAVING ACCES TO FAIR CREDIT! WHICH IS A VIOLATION!!! 

WELLS FARGO TAKES ADVANTAGE OF PERSON EXTENDING CREDIT TO ITS CORPORATION!!! 

WELLS FARGO IS CURRENTLY REPORTING MY CONSUMER PROFILE PASS 7 YEAR STATUE ALONG WITH INACCURACIES!!
Product: Credit reporting or other personal consumer reports

Date : [ XX/XX/XXXX ] Experian Dispute Department po box XXXX XXXX, TX XXXX Subject : Intent to Sue for Violation of the Fair Credit Reporting Act ( FCRA ) Unauthorized Reinsertion of Removed Account Dear Experian, I am writing to formally notify you of my intent to take legal action against Experian for the unlawful reinsertion of an account that was previously removed from my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 
In [ XX/XX/XXXX ], I successfully disputed [ XXXX XXXX  Account # XXXX ] with your company, and it was removed from my credit report as a result of that dispute. However, despite this, the account was reinserted into my credit report on or around [ XX/XX/XXXX ], without following the mandatory procedures set forth in the FCRA. 
Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), when an account is reinserted after removal, Experian is required to : Notify me in writing within XXXX business days of the reinsertion, including the name of the furnisher of information and any relevant contact details. 
Certify that the furnisher of information verified the account 's accuracy before reinserting it. 
As of todays date, I have not received any notification or written certification from Experian regarding the reinsertion of this account. This lack of communication constitutes a serious violation of the FCRA. 
Given these violations, I am entitled to seek the following remedies under 15 U.S.C. 1681n and 1681o : Actual damages, including any harm caused to my credit rating, the emotional distress of dealing with this error, and any financial losses. 
Statutory damages of up to {$1000.00} per violation. 
Punitive damages as determined by the court. 
Attorneys fees and costs incurred in the enforcement of my rights. 
I demand that Experian immediately : Remove the reinserted account from my credit report. 
Provide a full explanation and verification of the account 's reappearance. 
Confirm in writing within XXXX  days that this account has been permanently deleted from my report. 
If Experian fails to take the above corrective actions and provide the necessary information within 10 days from the receipt of this letter, I will have no alternative but to file a lawsuit against Experian in federal court to enforce my rights under the FCRA. 
Please consider this letter as my formal warning and a pre-litigation opportunity to resolve this matter. I am prepared to pursue all legal remedies available to me under the FCRA if this issue is not promptly corrected.
Product: Money transfer, virtual currency, or money service

Re : complaint # XXXX Submitted on XX/XX/XXXX and sent to Bank of America I do not consider the complaint closed. 

I received an email from Enterprise Resolution ( XXXX XXXX ) of Bank of America on XX/XX/XXXX. I did not receive a reply to my email response on XX/XX/XXXX and XX/XX/XXXX from Enterprise Resolution/XXXX. XXXX. I requested to acknowledge receipt of email and status of my complaint. 

My complaint is for Bank of America to investigate internally. My questions remained unanswered and there has been no communication since XXXX, XXXX. Please refer to the emails attached. 

How should I proceed after over four months without a final clear resolution to my complaint? Bank of America can not simply close it. Should I file the complaint with another federal agency?
Product: Debt collection

A family member called me and stated that someone called looking for me on the night of XX/XX/19. I got the phone number from the family member and immediately called. The rep that answered the phone stated my name and asked if that was me. I verified and the gentleman hung up. This was at XXXX eastern time. I then called back two more times and no one answered. This morning I called the number again. ( XX/XX/19 ) This time at XXXX. The lady who answered the phone stated my name and I again verified it is me.I asked what time they close for the evening and she stated " it depends, but XXXX ''. I explained what happend the night before and she stated she would transfer me to who I needed to speak with. She then transferred me to who I later found out was " XXXX ''. XXXX started off on an ok note. He verified my info and identified why they were calling for me. When XXXX told me what he was calling for, I set up a payment plan and gave him a card to put on file to to make my payments. After I did this I asked XXXX if they can remove the debt from my report because me making payments may reage the account. XXXX stated that it would report as a settlement. I told him then I would be better off not paying it until I can pay in full. I didn't want a settlement on my credit He asked if I still wanted to make payments monthly and I stated no. I will pay when I can pay in full. XXXX stated " well then we will report you '' and he hung up. I called back to make sure XXXX removed my card and knew not to run it. When I called back, I didn't at that time know his name so I just started talking. I assumed it was the same gentleman because I JUST got off the phone with the guy and he sounded the exact same. What I said was " I'm calling back to make sure you know to remove my card ''. He said I wasn't talking to you. I said oh ok, It sounds like you are the same guy. The gentleman on the phone said " What are you trying to say? All XXXX guys sound the same?? '' I stated, are you XXXX?? I can't tell that over the phone. He then said hold on. After maybe a minute, the SAME guy came back and started talking. He stated " We already sent your account over for processing. Make sure you have two forms of ID on you when they get you ''. I again stated Make sure you remove my card. He hung up the phone. I called one more time. This time a woman answered. When I asked for the rep 's name who's over the " account '' the woman stated " Oh Lord, you're calling back again! '' she put me on hold and sent me to the voicemail of XXXX. That's how I found his name. XXXX was very deceptive in trying to manipulate me to believe I would be arrested. He also never verified he removed my card. I also don't appreciate his usage of race in our conversation. Who does he know I am NOT XXXX?? I didn't care about his XXXX  and I still don't, so I am not sure why that was mentioned.
Product: Mortgage

Dear CFPB representative, I am following up on a previous complaint I submitted XX/XX/XXXX ; complaint ID # XXXX that was never addressed nor corrected by XXXX XXXX ( representative of Wells Fargo ). Her contact number is XXXX ext XXXX. Attached to this email will be : - a copy of the response letter from Wells Fargo datedXX/XX/XXXX confirming that the company received CFPB complaint and that the matter would be addressed ( my request was a new revised billing statement which would show my {$1400.00} cash payment to be used towards the principal payment and not in unapplied funds balance ; -copy of billing statement dated XX/XX/XXXX showing {$1400.00} going towards unapplied funds ; -copy of an email from Wells Fargo that the request was solved, which it was not ; -copy of the list of the mortgage billing statements available on the Wells Fargo website ; the latest statement dated XX/XX/XXXX which has the error. No new billing statements after this date has been applied to show that the {$1400.00} cash payment was applied towards the principal ; -copy of Wells Fargo online account summary that shows the correct principal payment of {$140000.00} ; but, the actual mortgage billing statement for the unpaid principal balance states {$150000.00}. 
In conclusion, I received two voice messages from the Wells Fargo representative, XXXX XXXX ; I have returned her call twice, including leaving her a message as to my request to correct this matter. However, no changes have occurred as of yet and it has been more than two business days. 
Would you please assist me on my behalf by notifying XXXX XXXX and finding out the hardship as to why this matter has not been corrected.
Product: Checking or savings account

It's been about XXXX weeks since I saw a notice saying my fund is not availabl for withdrawal, I tried to reach Capital One Bank the ask me to leave a voice mail message so can call me back, I did several time I havent heared from them. 
I cant pay my bills, all the bills are past due because of this. I need my money.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX  Please remove it from my credit report. 

XXXX. The following account is not mine XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I was contacted via phone by XXXX XXXX XXXX ( XXXX ) regarding this same matter. At the time, when I pulled my credit report the account showed an open date of " XX/XX/XXXX ''. I explained to the agent on the call that the mentioned account was not opened by me and it was opened without my consent or knowledge. 

The account was removed from my credit report and a year later in XX/XX/XXXX the account re-appeared under a different collection agency. The account seems to have been sent back to XXXX XXXX XXXX without any further attempts by XXXX XXXX XXXX to ensure that the correct person was contacted opposed to selling it to a different collection agency. 

I received a letter from XXXX XXXX ( Account # XXXX ) notifying me that I allegedly owed them money for a debt related to XXXX XXXX  XXXX, in the amount of {$2400.00}, and that the account was opened ( Taken over by XXXX XXXX ) XXXX XXXX XXXX. XXXX XXXX violates FDCPA 1692e ( 2 ) ( A ) and FCRA 623 ( 5 ) ( A ) This inconsistency raises concerns about a potential re-aging of the account, which violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( 5 ) ( A ). In addition, the reporting of this account with inconsistent opening dates may constitute a violation of 15 U.S. Code 1692e ( 2 ) ( A ), which prohibits the use of any false, deceptive, or misleading representation regarding the character, amount, or legal status of any debt. Based on the fact that XXXX. XXXX had noted the account and " Disputed by consumer '' XXXX XXXX was made aware that this account had been disputed, but choose to report in on my credit report and violating FDCPA and FCRA
Product: Checking or savings account

My name is XXXX XXXX my account number is XXXX with capital one bank my address is XXXX XXXX XXXX XXXX XXXX la XXXX and my social security number is XXXX On XX/XX/XXXX I received a small business loan for my business for {$20000.00} later that day I tried to get some of my funds out to go pay some of my bills for my business because my payments was behind and they froze my account say the XXXX XXXXid they had to but I called the XXXX  and they said they never said that and I shouldve received my fund because Im a XXXX XXXX I work for XXXX. So Im not seeing was the problem and I need my money for my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit Bureaus have not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of these accounts listed below. I believe it was reported in error. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$6800.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX XXXX : {$6800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

ONXX/XX/XXXX XXXX XXXX XXXX XXXX SUBMITTED PAPERWORK TO ALL XXXX BUREAUS REQUESTING THE COLLECTION ACCOUNT BE REMOVED FROM MY CREDIT REPORT. THE ATTACHED LETTER SHOWS IT ALL. AS OFXX/XX/XXXX THE AGENCIES ARE SAYING THEY HAVENT RECIEVED ANY SUCH NOTIFICATIONS.BUT WE CALLED XXXX XXXX AND THEY ENSURE IT WAS SENT ONXX/XX/XXXXTO BE REMOVED.