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

XX/XX/XXXXXXXX  Subject : Formal Complaint Regarding Inaccurate Late Payments on Account # XXXX Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account # XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXXXXXX  and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Summary : The account in question is an installment loan opened on XX/XX/XXXX, now closed with a XXXX balance and a payment status of " current. '' However, late payments were inaccurately reported for XX/XX/XXXXXXXX  and XX/XX/XXXX. My records, including bank statements and payment confirmations, demonstrate that these payments were made on time and that no delinquency occurred during these months. 
Violations : FCRA Violations : Failure to ensure the accuracy of reported information under 15 U.S. Code 1681i.

Non-compliance with the 21-day advance statement requirement under 15 U.S. Code 1666b. 
TILA Violations : The inaccurate reporting constitutes a failure to provide timely and accurate disclosures as required by the Truth in Lending Act, causing undue harm to my creditworthiness and financial stability. 
Desired Resolution : Immediate removal of the inaccurate late payment notations for XX/XX/XXXX and XX/XX/XXXX from my credit report. 
Written confirmation of the correction to the address provided above. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 
I trust that you will address this matter with the urgency it deserves. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting 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 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  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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: Debt collection

I called XXXX on XX/XX/2019 and after several tries, I was told I need to contact the collection agency, EOS CCA at XXXX. I called the collection agency and reached talked to XXXX. I explained the situation, that my ex-wife XXXX XXXX opened the account without my knowledge, and I was never informed. He brought over his manager, XXXX, who kept pushing me to pay this to clear it, even though I explained the situation, I told him I was in the process of purchasing a house and needed this resolved quickly, but he still pressed me to pay it off. He finally gave me some vague information to file a report and they would review it, but no assurance it will be resolved soon or at all.

EOS Case # XXXX The amount owed is : {$2000.00}. 
No date information given.
Product: Vehicle loan or lease

n : I HAD A THREE MONTH HIRRICANE HARVEY DEFERRAL and NO ONE seems to know about this. I have been showing delinquency since the OFFERED deferral was add Do people and companies ONLY CARE WHEN SOCIAL MEDIA gets involved or when they are ALSO affected by national disasters. This is unacceptable, unconscionable, and I need the documentation properly corrected ASAP within the system
Product: Credit card or prepaid card

1. I am not receiving interest charged by XXXX XXXX  master card from merchant-initiated refunds in the amounts of {$100.00} and {$490.00}. ( explanations for refunds explained in complaint ) 2. My second concern is that my interest remains the same albeit that I am paying double the monthly payment! 
Both above listed refunds were refunded due to charge errors to my credit card from merchants. I reached out to XXXX XXXX  XX/XX/XXXX and was informed that I was not entitled to an " interest refund '' whether the refund was from a charge or return error. I made a complaint against this company XX/XX/XXXX due to its failure to recover funds from an illegal and unauthorized transaction. For this reason, I decided to work with XXXX and XXXX to recover funds that were posted to my account in error. XXXX account has two cards on file and the debit card that I used did not go through because the system used my delivery addresss zip code. I caught it immediately and corrected the error with the agent but not until the system charged the XXXX  XXXX  credit card thus, I had to wait for a refund. XXXX  XXXX  did not have authorization to charge my card and it took me to make a complaint with XXXX XXXX to get my funds back! 

My second concern is that my interest charges do not seem to change. I inquired about my interests amount and was given a rate 3.35 % ; Variable 21.99 % and XXXX I guess it means APR. I asked the agent several times to slow down and explain what was going on, uncertain if she knew. I inquired again if I could have my interest rate lowered and was told there were no promotions at this time. I went on to question How can the company feign to provide COVID-19 relief payment assistance and not offer the means to lower interest rates for the customer to continue to make payments? It appears to be ALL A RUSE! 

Attached you will see that the interest rates charged monthly do not change. On my XX/XX/XXXX statement the available credit was listed as {$570.00} and the payment due was {$170.00}. XX/XX/XXXX reflects a credit in the amount of {$490.00}, INCREASING THE AVAILABLE CREDIT TO {$1000.00} and yet the payment amount does not change! You can also see this in the increased payment amounts ( agent will excuse the cut and paste attachment for this card company has not provided online earlier statements for several years ) for example a payment of {$450.00} posted on XX/XX/XXXX reflected an interest difference from a {$200.00} made the prior month of {$0.00}! 
I have been with this company since the early XXXX and the number amount of monies applied have always affected the payment amount due to change from either higher to lower! It is as if no one is monitoring the system!
Product: Credit reporting or other personal consumer reports

I noticed there was a account that was showing up on my credit report as delinquent. I disputed it with the credit bureaus, filed paperwork through the FTC and identity theft.gov. I sent my notice of furnishers identity theft report copy of my current identification and the season justice letters asking for verification of account and received nothing back from possible. There was no change I then filed a second dispute and sent all of the identity theft paperwork once again to possible using the contact information listed on the XXXX website. I tried to contact them via phone and it is an automated phone number with no way to leave a message and no contact information. The paperwork that I had sent to them was returned to me and returned to sender was written on the envelope. I forwarded all this information to the credit bureaus at which time, XX/XX/year>, the delinquent account was removed from my credit reports. It remains off of my XXXX XXXX XXXX  reports however, XXXX put it back on about a week and a half ago for an unknown reason. I contacted possible once again they stated that they have no delinquent accounts showing in my name as I have not had any personal loans through them since I got my credit card 2 years ago. I have submitted all supporting documents showing that this was not my account. If you look at the credit reports I have a 100 % exceptional payment history. I have never been late or missed a payment on anything, ever. It seems improbable that I would have a unsecured loan for {$57.00} that I made no payments on and let be delinquent? This does not follow my history and frankly, makes no sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE LETTERS FROM XXXX ON XX/XX/23 AND EXPERIAN XX/XX/23 AS IT PERTAINS TO A " BANKRUPTCY " THAT I FOUND ON MY CREDIT REPORT, AND I CHALLENGE THE ACCURACY, COMPLIANCE AND REPORTABILITY OF THIS LISTING.AND I ALSO ASK BOTH ( XXXX & EXPERIAN ) TO VALIDATE THIS INFORMATION WITH THE ORIGINAL CREDITOR... BOTH CREDIT BUREAU 'S SENT LETTERS BACK. 
EXPERIAN : THE COMPANY THAT REPORTED THE INFORMATION HAS CERTIFIED TO EXPERIAN THAT THE INFORMATION IS ACCURATE. 
XXXX : VERIFIED AS ACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

Under FCRA Fair Credit Report ACT. XXXX, XXXX, Transunion has failed to provide me with an Investigative Consumer Report section 15 USC 1681a ( e ) for each erroneous items located on my consumer report ; " XXXXXXXX XXXX XXXX XXXX XXXX XXXX ''. I've submitted an FTC complaint for each company detailing the Identity Theft of Furnishing my personal information without permissible purpose 15 USC 1681b. 

I request an investigative report to determine the accuracy of these accounts. Which was never received. If not received, these needs to be remove pronto.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX  XXXX Balance Owed XXXX {$410.00} XXXX XXXX XXXXXXXX Balance Owed : {$410.00}
Product: Credit reporting or other personal consumer reports

Dear [ Agency 's Name or Representative ], Subject : Dispute Regarding Fraudulent Accounts and FCRA Compliance I am writing to formally dispute the inclusion of several accounts on my credit report, which I believe to be fraudulent. Despite my previous attempts to resolve this matter, the accounts listed below have not been appropriately addressed, in violation of the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX According to the FCRA, credit reporting agencies are required to verify accounts by obtaining a valid signature and multiple forms of identification. To date, these accounts have failed to present the necessary documentation to substantiate their legitimacy. 

As a consumer, I have the right to expect that the information on my credit report is accurate and verifiable. The automatic validation of these accounts without proper verification is a clear violation of FCRA guidelines. 

I kindly request that you thoroughly investigate these accounts and remove them from my credit report if they can not be verified according to the standards set forth by the FCRA. Please provide me with a written confirmation of the actions taken regarding this matter. 

Thank you for your prompt attention to this issue. I look forward to your swift resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

I have tried to solve this matter with Transworld Systems but they dod not give me a fair solution. This issue has affected me in a huge way. The item i the following : TRANSWORLD SYSTEMS, opened date : XX/XX/2017, highest balance : {$120.00}, original creditor : XXXX XXXX XXXX XXXX 

This company has bee acting against my consumer rights with the following actions : - - They didnt send notice to right address. 
- Wrong first delinquency date. 
- Negligence - Re-aging the account. 

This has caused me many damages. I am demanding the removal of this account as a compensation. 

Thank you.
Product: Mortgage

Nationstar services the second trust deed on this home. I have requested a payoff multiple times and Nationstar states they do not service the loan or find it in their system. Nationstar needs to find the loan and send me a payoff or send me a lien release so I can close escrow on the sale of my home. If someone at Nationstar would just do their job and look at the facts and see that Nationstar took over the service of the loan only a few short months ago, I wouldn't have to file a complaint with the CFPB to pay them money. Unbelievable. Please deal with my real estate broker, XXXX XXXX, at XXXX and phone # XXXX. He has asked you for this repeatedly.
Product: Vehicle loan or lease

This complaint is reference to inaccurate information that is currently been reported to my credit report. I reach out to this company ( Exeter finance llc ) serveral time to correct this issue of inaccurate repossion in remove it from my report in this complaint I submit to consumer financial protection bureau the police report to show that the car was stolen in recoverd by ( Exeter Finance LLC ) is not repossessed in fact this company failed to contact me once the vehicle was recoverd which is clear breech of are payment aggrement prior to the vechicle being stolen request the CFPB investigate this matter this company is clearly in violation of said statues in law s15 USC. 1692j / 15 USC.1681
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I made my last payment on my bank loan for XXXX years I deserve to be treated equally and as fairly as a white person. I DESERVE equal fair treatment!! Experian dropped my credit score by improperly prejudice " Closed acct ' how is this even legal. I attempted to file dispute not sure if correct report # XXXX. 
I also paid off a XXXX auto loan never late I never receive what I'm entitled to. What's wrong with this country stealing people 's rights we thought we overcame XXXX. Does any law apply to this action
Product: Student loan

Navient purchased my loan from Sallie Mae several years ago. During that time, they delayed, through forbearance, my payments which ultimately came due in early XX/XX/2017. I've made payments since then, but at times, have struggled to make the full monthly payment. I've called Navient to ask for additional forbearance, or to reduce my monthly payments temporarily, but have been told no every time. I've called at least 5 times to speak to different account advisers. I am willing to make payments, but can't pay the full balance due each month, and because of the initial forbearance and interest charged, I'm paying each month only the interest balance and the loan balance is staying neutral and exists to this day. The initial balance borrowed was ~ {$13000.00}, and is now over {$18000.00}. I don't know how I'm expected to pay off this loan when Navient continues to charge interest and refuses to help by lowering my monthly payment or allow me additional forbearance time to gain better financial standing. In addition to Navient I have over $ XXXX  in student loan debt, but the other providers ( XXXX ) have been willing to work with me - Navient has not.
Product: Debt collection

Initially I filed claim # XXXX. I initially stated that this company reported my information to the credit bureaus but after careful review another company under the name XXXX ( XXXX XXXX XXXX ) reported something similar. However, XXXX XXXX XXXX sent me a letter on XX/XX/XXXX for I debt they claim I owe of {$1800.00} and they stated the original creditor was XXXX XXXX XXXX. On XX/XX/XXXX I sent a letter back stating that their debt had been disputed and that they are to provide me with proof of any contractual agreement I have with them to pay them any debt. They responded back on XX/XX/XXXX with a letter simply stating I owe {$1800.00} on account number XXXX but with no information on the procedure used to determine the accuracy and completeness of the information. I am not familiar with the original creditor and don't recall ever having any services done from them. I sent a letter out today on XX/XX/XXXX requesting 1. The procedure used to determine the accuracy and completeness of the information 2. A copy of any viable evidence bearing my signature showing the account is being reported accurately XXXX XXXX XXXX stated in response to my initial claim that they don't have to provide proof bearing my signature that I have an obligation to pay them. Do they expect someone to pay a debt they claim is owed without any proof? If you can not validate this debt you must request that all credit reporting agencies delete the entry. If XXXX XXXX XXXX went about obtaining my information in a non legal manner then they my be in violation of HIPPA laws as well as FCRA and FDCPA.
Product: Credit card

I have submitted a claim regarding XXXX account that was opened because Im of ID Theft. I have been met with nothing from American Express explaining the reason for the denial I was told my claim was reopened on XX/XX/XXXX and on XX/XX/XXXX the claim was closed and I was sent a generic letter with no explanation. I didnt not open this account or benefit from this account in any way I have asked for a call back from the back office regarding this matter and havent gotten anything. They leave no notes on the account for from end representatives to see or respond to any request from the front office so I can help move this forward with getting this out of my name. I would like a copy of the application and a detailed explanation on why this account is being rejected.
Product: Debt collection

On XX/XX/XXXX, I spoke with XXXX at XXXX XXXX XXXX XXXX. to setup payment plan for debt owed to XXXX  ( original creditor ), and SECURITY CREDIT SERVICES LLC ( current creditor ). The amount of the debt owed was {$2900.00}. XXXX agreed to a payment plan of $ XXXX/month beginning XX/XX/XXXX for six months, and $ XXXX/month beginning XX/XX/XXXX until debt owed is paid off. I continued receiving harassing letters from XXXX XXXX XXXX, so I retained XXXX  XXXX XXXX XXXX ( a debt management company ) to help me. On XX/XX/XXXX I spoke with XXXX XXXX at XXXX XXXX XXXX, and I was able to get in a debt management program for $ XXXX/monthly to be paid toward my debts to current creditors including XXXX XXXX XXXX. XXXX XXXX and others forwarded several proposals ( regarding debt settlement/payment plan ) by fax/email to XXXX XXXX XXXX/SECURITY CREDIT SERVICES, but got no response ... per XXXX, XXXX XXXX XXXX whom I spoke with on XX/XX/XXXX. I spoke with XXXX XXXX, XXXX XXXX XXXX on XX/XX/XXXX regarding the harassing letters I'd been receiving and to inquire about XXXX XXXX XXXX contacting them, but XXXX stated that they've had no contact from XXXX, XXXX ... XXXX obviously lied. Also, XXXX XXXX XXXX have sent 2 to 3 payments of {$87.00} to XXXX XXXX XXXX and my balance have gone down. The new payment plan of ( $ XXXX/month ) from XXXX  to XXXX XXXX XXXX is actually more than the previous payment plan that XXXX agreed to. Although XXXX XXXX XXXX have received $ XXXX/month payments from XXXX XXXX XXXX on my behalf, they have filed a lawsuit with the Wisconsin XXXX Courts , Case # : XXXX. XXXX XXXX XXXX  did not inform me about filing a lawsuit against me at all ... I don't understand this because they're receiving payments from XXXX, XXXX on my behalf, and it seems that they're intentionally trying to ruin my credit. I'm trying to do the right thing by paying off this creditor, but they're intentions are to ruin me.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/17 I submitted complaints to each credit bureau to remove negative items from my credit report that did not belong to me. I received a response from XXXX  and they removed these items, however, Equifax and XXXX  failed to reply at all.
Product: Money transfer, virtual currency, or money service

Someone sent this XXXX dude on my paypal XXXX twice and now its gone from my account. I didnt not athorize this payment and would like my money back.
Product: Money transfer, virtual currency, or money service

Cash app can not link XXXX accounts anymore.
Product: Credit card or prepaid card

Account Statement Ending XX/XX/2020 and XX/XX/2020. 

My Discover A/c has three different types of balances : Purchase Balance 12.99 % APR Balance Trf 0.0 % APR Balance Trf 5.99 % APR I am surprised to find out that the company first applies portion of my payment ( minimum payment due ) to my lowest interest balance before applying any additional amount to highest interest balance. 

Generally, any payment first should go to highest interest balance after satisfying interest accrued. Otherwise those not able to pay off their balance will be forced to payoff their 0 % balance before high interest ( 12.99 % or higher ) balance which is unfair. 

Discover earns fees during balance transfer and then makes more in interest charges as the payments first are applied to 0 % balance before being applied to higher interest balance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX INQUIRIES NOT RECOGNIZED XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Two deposits were sent to my bank account on XX/XX/XXXX XXXX of {$500.00} to my savings account and another just over {$1500.00} to my checking. Neither have been made available to me. I have received return payment notifications from my credit card payment, morgatge company, gym membership and am unable to pay for my childcare.
Product: Checking or savings account

This is a response to my previous complaint, since it doesnt seem anything got done. I am still getting statements that show a {$0.00} balance, even though they told me they would close out the account.