23daVinci/CFPB_Complaints huggingface dataset:
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 TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX  Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX 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 was made within the 15-day grace period : According to my payment records, I made the payment on XX/XX/XXXX, which is well within the creditor 's 15-day grace period. The payment was not 30 days late as reported. 
Clerical error by the creditor : There appears to have been a clerical error in the way XXXX XXXX XXXX processed my payment for XX/XX/XXXX. I provided documentation showing that the payment was deducted from my account on XX/XX/XXXX, well before the 30-day late period. 
Evidence Provided : I have attached bank statements, payment confirmation emails, and records from XXXX XXXX XXXX proving that the payment was processed on time and that no XXXX delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion 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 XXXX XXXX XXXX
Product: Credit card

I was one of the victim out of 147 million other people who personal information was exposed due to the data breach XXXX had in XX/XX/2017. Ever since then Ive been getting notifications from creditors regarding new accounts thats been open under my information.
Product: Credit card or prepaid card

On XX/XX/2023 I applied and was approved for a Wells Fargo XXXX credit card. Per their website it is advertised as " 0 % intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the introductory period. '' For a total of 21 months 0 % APR. I had opened this card specifically to utilize the intro APR for a balance transfer. Wells Fargo however, doesn't allow you to do balance transfers until you actually received AND activated the card. I called to see if they could start the transfer over the phone but 2 levels of customer service managers told me that I had to wait until I actually received the card in the mail. This would take 7-10 business days. Further, they informed me that balance transfers take 4 days to process and have an automatic hold placed on them for an additional 10 days int heir system. So assuming I get the card in the mail in a timely fashion and am able to activate it right away we're still looking at nearly a whole month of loopholes to not have them honor the intro APR! Other credit cards allow balance transfers to begin as soon as the application is approved online ( did it with XXXX XXXX a few months ago ). This is unacceptable... at best it is false advertising and at worst it is straight up fraud. Which considering all the fees levied against Wells Fargo in years past for shady practices you'd think they would have learned their lesson ... but nope... still screwing over consumers!
Product: Debt collection

FCR Collection Services ( Account Number XXXX ), called me over a hundred times over the last 2 years for a debt that is not mine with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Lic # XXXX. I have never done business with these people. I have told them many times to stop calling & to put me on the Do Not Call list but day after day the call & email me. They never mention an amount owed & refuse to give any details. I have never done business with XXXX XXXX XXXX XXXX XXXX XXXX XXXX & I want them to cease and desist any & all communication to include but not limited to phone, email, mail & text. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

`In accordance to the Fair credit reporting act this creditor XXXX XXXX and XXXX XX/XX/XXXX  has violated my rights. 15 U.S.C. 1681b sec.602 I have a right to privacy. 15 U.S.C. 1681 Sec. 604 ( A ) sec. 2 a consumer reporting agency can not furnish an account without my written permission. 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpse.
Product: Debt collection

On Today XXXX XXXX I noticed on my credit file that Vance & Huffman placed a collection on my Credit file .Vance & Huffman has violated my consumer right Pursuant to 15 usc 1692 a ) '' Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium in this specific case you Vance & Huffman used ( XXXX  credit reporting Agency ) to communicate to me indirectly with me a consumer who is defined under Pursuant to 15 usc 1692a ( 3 ) as any natural person allegedly obligated to pay any debt. You Vance & Huffman are also in violation of USC 15 1692b ( 2 ) which states you may not state that I a consumer owes any debt. You are also in violation 15 USC 1692e ( 2 ) ( A ) by giving false representation of the amount owed to you or deceptive means to attempt to collect any debt Pursuant to USC 15 1692e ( 10 ) Vance & Huffman has also violated my consumer right Pursuant to USC 15 1692 e ( 9 ) articulates that the use of any written communication which you creat false impression as to its source, authorization, or approval as Vance and Huffman is stating that someone other then me a consumer in fact, is the creditor when I am the creditor Pursuant to USC 15 1692a ( 4 ) Vance and Huffman pursuant to USC15 1692 a ( b ) are in violation as I never gave my Personal information directly.
Product: Debt collection

I'm not sure where to start here, this is the third time I've filed a complaint against these companies that have been violating my rights as a consumer for years. 
They take advantage of people like me, XXXX who don't have the money to pay for a lawyer. 
Firstly, I never had a debt with Second Round Sub LLC, my debt was with XXXXXXXX XXXX I have requested evidence by telephone and by letter from Second Round Sub LLC and its supposed lawyer XXXX XXXX and I have never received a response from them. 
In my last call today XX/XX/XXXX at XXXX I once again asked attorneys XXXX XXXX if they represented XXXXXXXX XXXX and they said yes ( you can see the call that they supposedly record for quality purposes ). Furthermore, I was threatened by the lady who answered the phone saying that I should not worry about paying the debt that they had already taken to court and that my account was seized, that I would soon find out what they were capable of. A threat that I don't believe is under the law. The treatment of these people has always been threatening, unethical and discriminatory. 
I called XXXXXXXX XXXX  and they tell me that this debt has been closed with them since XXXX ( XXXX years ago ) and that they have no relationship with XXXX XXXX or Second Round LLC. 
Second, my original debt to XXXXXXXX XXXX was less than {$2000.00}. XXXX XXXX and Second Round LLC are trying to collect more than {$6000.00}. Based on what and with what right do they do this? I asked about the possibility of reaching a payment agreement based on what I can pay and they told me that the only option was to pay the more than {$6000.00}. I can not do it because I do not have the money for it and I do not owe that money to have to pay it.. 
Currently my account is seized, my rent money was taken from it. I had to borrow money to pay my rent and now I find that my account is completely seized and I can't make any payments from it. I am the head of the family, my children ( XXXX and XXXX XXXX XXXX ) and my wife will be left on the road and we do not even have money to eat because all the money that I have that was a loan from a relative is frozen. 
I have sent letters asking for exemptions due to my financial situation as I am the head of the family and that I earn less than {$600.00} a month with proof of my current situation and I have not received a response. 
We are a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and these people are trying to collect something that I do not owe and can not pay. What do you expect? Take my life? I have no options, I can't go under a bridge with my children.
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/18, I agreed to pay a sneaker vendor named XXXX on XXXX {$170.00} for a pair of sneakers, namely the XXXX XXXX XXXX XXXX mens size XXXX. He instructed me to download the XXXX phone app and pay him via XXXX, which would transfer money from my bank account directly into his bank account. His name is XXXX XXXX, and his phone number is XXXX. This was the personal information he provided to me to submit the payment to him. My XXXX transaction number is XXXX, completed on XX/XX/18. Minutes later, XXXX XXXX confirmed receipt of the payment and said that he would mail the sneakers to me. The following day XX/XX/18, he still had not shipped, so I asked him for a tracking number. He said he would ship on Monday, XX/XX/18. On Monday, I asked him for the tracking number, and he said he needed me to pay him again, for the same amount, in order to ship. I refused to pay him again and asked him to refund my initial payment if he was not going to ship the shoes to me. He has not responded ever since then, and appears to have closed his XXXX account. From his information on XXXX, he appears to have a storefront in XXXX, PA, named XXXX XXXX.
Product: Mortgage

XX/XX/XXXX Subject : Ocwen Financial Corp. Consumer Lending and Foreclosure Practices XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX Good afternoon, My name is XXXX XXXX XXXX and I owned the property at XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX, which is now being auctioned off by Ocwen as a foreclosure. 

I am writing to inform you of the horrendous mortgage lending practices of Ocwen and demand that this foreclosure be removed from my credit report and my husband, XXXX XXXX and I be removed from the property as owners of recordas this home is in limbo. 

We purchased this home in XX/XX/XXXX through predatory lending practices. This loan would have never been permitted under the Mortgage Reform and Anti-Predatory Lending Act - Title I : Residential Mortgage Loan Origination Standards - ( Sec. 102 ) Amends the Truth in Lending Act ( TILA ), which was passed in XX/XX/XXXX, to prescribe fiduciary standards for originators of residential mortgages, including complete and timely written disclosure of : ( 1 ) the comparative costs and benefits of each residential mortgage loan product presented by the originator ; ( 2 ) the nature of the originator 's relationship to the consumer, including the cost of services provided by the originator ; and ( 3 ) any relevant conflicts of interest between originator and consumer. 

Still, we paid on our home for 10 years. In XX/XX/XXXX, my job was moved to New Jersey and we had to move. We immediately put the home on the market with XXXX XXXX XXXX in XXXX, MA. Because we were now renting in New Jersey, we could no longer keep up with payments. 

This home had multiple offers, which were approved and moved toward closing. Despite Ocwen approving a short-sale, they never followed through with any of the offers. This home could have been sold and off the books in XX/XX/XXXX. That is over 2 years ago. Instead, Ocwen pushed this home into foreclosure and still lists us as the owner of recordprohibiting my family of five from being able to secure a mortgageeven though we have very solid income, good credit and no debt. This is absolutely unacceptable and Ocwen should be held accountable. 

I appreciate you taking the time to investigate this! Please share your response. 

Best Regards, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Money transfer, virtual currency, or money service

I was scammed through cashapp XXXX  There was no representative available for me to speak to about where my money was going or that it may be a scam. 

There were multiple amounts of money transferred and I lost somewhere around XXXX dollars through cashapp XXXX 

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Received collection letter regarding account XXXX from XXXX regarding debt not verified, debt not belonging to me, have asked creditor to cease attempts to collect debt & to remove from my credit report / credit file.
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. 

ACCOUNT NAME : XXXX  /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX /// ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  /// ACCOUNT NUMBER : XXXX ( These accounts have violated my rights ). 
( These accounts have violated my rights ). 
( These accounts have 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, credit repair services, or other personal consumer reports

On XX/XX/18 I signed documents to refinance my mortgage from Freedom mortgage XXXX to XXXX XXXX XXXX company. My loan XXXX XXXX from XXXX XXXX had stated not to pay our monthly payment because XXXX XXXX would be paying off the remaining {$17000.00} balance per wire transfer. All accounts such as taxes, title company, credit cards were paid off by XXXX XXXX on XX/XX/18 which was the disbursement date. Freedom Mortgage XXXX reported the payment late to the credit bureaus which caused my credit report to drop from XXXX to XXXX. I have called and sent XXXX XXXX the disbursement summary to show proof that it was disbursed on XX/XX/18 but they state that the payment was not received until XX/XX/18 since they are on the east coast. XXXX XXXX XXXX has now sold my loan to XXXX XXXX  and XXXX will not return my calls or emails even though she stated she would help me resolve this. XXXX XXXX should have made sure that the payment would be received in a timely manner since XXXX the loan XXXX specifically stated not to make the monthly payment and they would handle it.Neither company will help me in resolving this matter. I have never been late on a mortgage payment and I trusted XXXX XXXX to payoff my balance on time. I don't know which company is at fault but how can I take a drop in my credit when I have never been late on any payments.I need help to resolve this issue. Thank you.
Product: Mortgage

On, XX/XX/2018, XXXX ( Calinber Home Loans ),  ran my credit for a home mortgage loan. I did not authorize this transaction from occurring. I was not aware of such a transaction occurring with my personal information.
Product: Debt collection

The company name is XXXX they charging me something that I dont owe they an offer that I sent my XXXX XXXX and XXXX and they sent me my XXXX XXXX then now they charged almost XXXX I dont know why thats not fair cause we had a deal. Thanks
Product: Debt collection

Incurred when still with now estranged wife. We each agree to pay half. The Account Resolution Corp agreed to let me pay my half all at once and to let my estranged wife make payments. My portion has been paid for 6 months now and it is still show I owe the full amount. This is still listed on my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing my credit report with Equifax. checking my file alot of information is invalid. it is hindering my credit report to be cleared an corrected. please remove all information on my credit report that is invalid.
Product: Credit card

My personal information was stolen and accounts were opened without my knowledge as a result. the following accounts are XXXX  XXXX, in the amount of {$620.00}, date opened XX/XX/XXXX. XXXX XXXX. In the amount of {$840.00}, date opened XX/XX/XXXX. XXXX  in the amount of {$730.00}, date opened XX/XX/XXXX. I reached out to each credit card companies to resolve this issue, asking them to remove these fraudulent accounts. Per section 15USC 1681c-2 states that any unauthorize or sign contract must be removed all off my credit report in 4 days.
Product: Debt collection

My father received a call from American Coradius International ( ACI ) asking to speak to me. The representative from ACI told me father to have me call them back because, " They wanted to help me. '' I can assure you that they weren't looking to help me in the slightest!. 

Anyways, I called ACI and after being transferred around a few times I was handed back over to the original woman who took my call. Simply put, she asked me, " How would I like to pay the {$16000.00} today '' in regards to the alleged amount of money I owed on a vehicle that was totaled in an accident. I explained to the woman my lawyer was handling the case and she asked me to call her back with my lawyers contact information for which I did not. However, XXXX and ACI contacted a former lawyer of mine ( WITHOUT MY CONSENT ) in regards to this matter. I did not give ACI or XXXX the consent to contact any lawyer at this present time. Also, you will see in the letter that ACI insinuates that this account will be referred to a lawyer if they do not hear back within in 30-days. Threatening the involvement of a lawyer is beyond an unethical and illegal scare tactic.
Product: Debt collection

On XX/XX/XXXX I received an alert from the credit reporting bureau.. That I owed XXXX for a medical bill I advised the representative I never received a phone call nor a mailing in reference to such debt and that it was unfair to place in my report with out allowing me to look over the information. I never received a bill.. 
They had the incorrect address and the representative insinuated that I gave the wrong address.This was a car accident and I was admitted to the XXXX  They had an address Not sure how these invoices never reached me. But it was certainly not my negligence.. My insurance paid all bills as I had full coverage auto as well as medical insurance through my employer
Product: Credit reporting, credit repair services, or other personal consumer reports

Thru numerous letter disputes I've sent out on XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, and on XXXX. XXXX, XXXX ... I've pleaded with the XXXX, Experian, and XXXX that they were reporting inaccurate information due to the following accounts : " XXXX XXXX which is an account that was removed from my credit report and now reappears and as the information reporting clearly determines its an re-aged account and the information reporting doesn't add up, meaning how can a account be opened in XX/XX/XXXX and have date of last activity of XX/XX/XXXX? Account : XXXX XXXX : which shows on some bureaus as Charged-Off/Collections and on others as " Open ''? How is this the case especially when the charges to the account was made by someone other than myself as I told them without my permission and their employee authorize the transaction, which I shouldn't be held accountable for ... Account : XXXX XXXX XXXX : an account that has clearly not been investigated or verified properly because I've never had an account or credit card with such company and my SSN doesn't match that person they're accusing. Account : XXXX XXXX ... account is reporting inaccurate information by all 3 bureaus as I pointed out on the above dates and neither is yet to send the proper documents or paperwork verifying the account. Simply due to the above facts and information taken from the individual credit reports, these accounts should be removed from my credit file as its hindering me from obtaining the lifestyle of having excellent credit or building decent credit. Again I've pleaded with them and pointed out the mistakes on the credit reports and all they seem to come back with is this account has been verified, which is not true. I've even reached out to the original creditors with no response of verification of said accounts, not to mention neither bureau responding to my XXXX. XXXX, XXXX dispute letter, which is way beyond the 30-45 days that's required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX  ) XXXX