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 Experian 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  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXXXXXX. 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 On Time : My records show that the payment for this account was made on time, but there appears to have been a clerical or processing error. I have attached a copy of my bank statement showing the payment date to support this claim. 
Dispute Previously Resolved : The account was previously in dispute, and it was reported as resolved. However, the late payment was still inaccurately reported. I have attached the documentation showing that the dispute was resolved, confirming that no late payment should have been reported. 
XXXX XXXX System Error : During the payment submission process, there was a documented issue on XXXX XXXX  platform that delayed the payment processing. I have attached the payment confirmation showing that the payment was initiated before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian 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
Product: Checking or savings account

This year to date my bank charged me a total of {$3800.00} in overdraft fee. I called and asked if then could help me out and only got to waved. Been working thur the whole virus thing going on as a meat cutter and its busy plus even hard to find people to work. So when bus where on a limit scheduled I had to get uber at night to get home that was XXXX dallors one way.. I was now getting paid less cause just to get home at night. Then switched jobs and was making less then I was. Now in a another problem is landlord sold house and have no money to put down or go right now. Have no family to goto and going to be XXXX  by the XXXX of XXXX so I was wondering if you could help me out with BB & T Bank and see if maybe they could waive it because I have no luck with them my name is XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX and it would be a blessing if you can help me during this time thank you
Product: Credit reporting or other personal consumer reports

The unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from it. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$8.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX Balance : {$28000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX Balance : {$0.00}
Product: Vehicle loan or lease

Flagship Cre did not have my express verbal or written permission to access my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion credit check, was impossible to cancel the trial subscription from the account, it cost me additional {$40.00} of services as I could not find a way to stop it. I required external help from people who have had the same problem and cost me also a lot of time. There was supposed to be a link on the FAQ of the site ( according to a XXXX post regarding this problem ), but it is no longer available.
Product: Credit reporting or other personal consumer reports

On the dates listed below I requested the validation and removal of derogatory information that is being reported on my credit report : - XX/XX/XXXX, XXXX XXXX Mail Receipt # XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX Mail Receipt # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$10000.00} The consumer reporting agency has not investigated, removed or adhered to my request or the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Around the first week of XX/XX/2020, I contacted Quicken ( or Rocket Mortgage ) to ask about refinancing. The representative told me that " this is the last day to get you into a special offer '' and I needed to do all the same night. I agreed and gave all information to her. After about 30 minutes of questions, she tells me : " its a 30 year conventional, 3.25 %, with XXXX all closing costs nothing else, and no lender points, no origination fee ''. She asked me to allow her to pull my credit now to lock on the offer and I expressed my concern if that was a sure thing because I did not wanted to be impacted in refinancing that would not be a sure thing. She told me yes I was qualified and that the only thing needed was for me to have a withdrawal of XXXX monthly from my 401K to resolve any concern on my income. She asked me to do that asap so the withdrawal shows in my bank and I had to provide certification on that on top of all other documentation I needed to provide. Since she assured me that I qualified, and Quicken in my view was a professional company, I agreed for her to pull my credit, and I contacted my 401K plan company to withdraw the money. After that, they kept asking me for papers and statements and more documents until about the end of XXXX when another representative called me to say he wanted to do the final part for the closing. He said I needed to resolve an issue from Fanny May and explained that the report they receive from Fanny Mae which usually is : Approved, Denied, or Proceed with Caution, indicated for me the third option or Proceed with Caution. Then he said he needed to review all my case which we did since I thought this must be the process because with the initial representative all looked great and she even told me my credit was great ( XXXX ). After about 20 minutes he told me he had the results and that my refinancing would be approved with a better interest rate and a closing costs of near XXXX dollars. I was very surprised about this increased XXXX, because is the same thing that happened to me a year ago, with a broker that offered me to do a refinance. It was all the same with the process and the tactic to contact me at the end and say that my XXXX closing costs changed to be XXXX because they made an error. I believe this is a dishonest tactic of bait and switch and for me it has impacted me with the loss of over 600 dollars on fees and taxes from my 401K plan, I lost time to get my refinancing done, and needless I also lost near 10 hours of work to produce all paperwork they asked for. Most important, this unfair practice is not right and I want to ask you to help me make this right. This should not be happening and I'm sorry of many other folks that may take the similar deals due to obligations or for not having other option but accept this unfair deceptive practice. Please, help me and many others not go thru this again. It is unfair, deceptive, not right and a corrupt practice to extract more money out of people.
Product: Mortgage

The CFPB closed my prior complaint number ending in XXXX due to XXXX a subsidiary of Lake View Loan Serving because it stated that it only acts as the disbursement center of my payments however that is not true. 

This company ( XXXX ), is the only link available to the ME the borrower/consumer. The telephone number given to me by XXXX leads right back to XXXX. There needs to be an investigation into both the parent company and the subsidiary. 

There is supposed to compliance under Dodd-Frank Act to protect the rights and interests of consumers and to be able to contact the actual lender. 

Lakeview and XXXX practices are deceptive. Further, the Company ( s ) is not accounting for my payments correctly nor providing information on how much is being paid to the two different insurance companies or why there are two different insurance companies in the first place that they are paying on supposed my behalf. 

Lastly, XXXX would not allow me to be placed in a loan modification on or about XX/XX/2018.
Product: Money transfers

Hello, On XXXX XXXX I won a bid on eBay and purchased a XXXX fanny pack through Paypal in the amount of {$300.00} plus {$9.00} shipping, total {$310.00}. I was very satisfied with my purchase until the clamp broke. I sent the fanny pack back to XXXX for repair which took over a month to evaluate. XXXX sent the fanny pack back along with the letter that I submitted to Papyal in a dispute I thought I opened on XXXX XXXX. The letter stated that XXXX was n't able to fix my fanny pack because they only service products from XXXX or authorized distributors. Now at this point I 'm confused so I called XXXX @ ( XXXX ) XXXX and I was told the fanny pack was NOT authentic. At this point I 'm out of {$310.00} plus I have a knock off broken fanny pack that can not be fixed. I 'm extremely disappointed because eBay nor Paypal are willing to help get my money back. I used my credit card ending in XXXX to make the purchase. I DO NOT have {$310.00} to just give away. I even contacted the seller XXXX to get my money back and they have yet to respond. This is not only disappointing but it 's embarrassing as well. I am a good client to both Paypal and eBay and I expect the same in return. I want my credit card reimbursed the {$310.00}. 

I understand that eBay has a 30 day return policy and Paypal has a 6 month return policy but had the clamp not broken, I would 've never known this bag was a fake. I need both eBay and Paypal to make new policies because in a case where fraudulent items are being sold, there should n't be a time frame on those purchases. 

A customer should be able to get their money back if the item is counterfeit, it 's against the law to sell counterfeit handbags. 

Please help me get my money back, this is unbelievable. 

Thank you, transaction ID # XXXX
Product: Student loan

My loans are currently being Serviced by AES, but they were previously with XXXX. During the time that my loans were with XXXX after my graduation in XXXX, they reported that my loans were delinquent whereby the original balance of {$24000.00} ( sub ) and {$10000.00} ( unsub ). While with XXXX, I was on a repayment plan. XXXX never advised that I had at least 4 deferment options on my account prior to listing my loans in default. I got on a repayment plan and was able to maintain great payment history. Since being on a repayment plan, my loans were transferred to AES on XX/XX/XXXX. It appeared to have two dates of transfer reported by XXXX, but the dates show the full amounts of the loans which may be inaccurate ( {$54000.00} on XX/XX/XXXX and {$44000.00} on XX/XX/XXXX ). My loan was only tranferred to AES once. Why is it showing multiple instances? When I called AES last week to understand my overall repayment and when I should be completed repayment, she advised in XXXX. How is this possible? Isn't this predatory lending? Before the default placed by XXXX, I only had about $ 30K remaining for repayment. I have been consistent on the repayment plan so my loans should not take me way into XXXX to pay off? The rep advised that if XXXX put me on a deferment that my loan repayment would have been paid in full by now and that they did not do a great job in servicing my account prior to them transferring the debt with them She also advised that there may be possible that my loan repayment was incorrectly applied to my account while with XXXX. To date, I have now paid {$110000.00} total, {$81000.00} principal and {$35000.00} interest and {$500.00} late fees which is nearly 3x the amount of the original debt. The rep advised that my loans may have been reported inaccurately as my account would have never been marked delinquent if they would have applied the deferment. My credit reports have experienced a great loss due to how XXXX handled my account and I wish to have part of my current loan marked as paid due to the negligence as to how XXXX handled my account before being transferred to AES. I should not have been in default nor my loans marked as delinquent and I wish to have resolution on this matter.
Product: Consumer Loan

I TOOK OUT A CAR LOAN IN XXXX W/CHASE BANK. FOR A XXXX GMC YUKON. MY GMC WAS DEEMED A TOTAL LOSS BY THE MY INSURANCE CO [ XXXX ] ON XX/XX/XXXX. MY INS. CO. BY POWER OF ATTORNEY MY INS.CO. REPOSSED MY VEHICLE ON /OR BETWEEN XX/XX/XXXX & XX/XX/XXXX. AT THE TIME MY INS. CO PAID FOR A RENTAL VEHICLE & SOON AFTER SENT ME A CHECK FOR THE BALANCE OF THE EQUITY AND AT THE SAME TIME SENT CHASE BANK THE BALANCE OWED ON THE LOAN. TILL THIS DAY CHASE PLACED A NEGATIVE REPORT WITH THE CREDIT BUREAU [ S ]. SAYING THAT I STILL OWED THEM MONEY. I 'VE TRIED IN WRITING, BY PHONE SEVERAL TIMES TO BRING THIS MATTER TO A CLOSE BUT TO NO AVAIL. I HAVE WRITTEN DOCUMENTATION ON ALL PERTINENT WRITTEN AND NON-WRITTEN COMMUNICATIONS WITH CHASE. THE ONLY RESPONSE I KEEP GETTING FROM THEM BY THEIR REPS OVER THE PHONE IS THAT THEY 'RE GOING TO MAKE A SPECIAL INVESTIGATION INTO THIS MATTER AND AS OF TODAY I HAVE N'T RECEIVED ANY RESPONSE. EXCEPT THAT ... VIA EMAIL ... I OWE THEM A PAYMENT. IT 'S BEEN WAY OVER 14 MONTHS. I 'M TRYING TO BUY A HOUSE WHICH I ALREADY HAVE A DOWN PAYMENT ON AND THIS NEGATIVE REPORT BY CHASE IS HAMPERING THOSE EFFORTS. PLEASE BE ADVISED THAT BEFORE [ AND ] AFTER THE HAIL STORM DESTROYED MY VEHICLE I NEVER EVER HAD A LATE PAYMENT. I ALSO SPOKE WITH MY INS. CO. REP. AND THEY TOLD ME THAT IT WAS OUT OF THEIR HANDS AND THEY ALREADY SETTLED AND PAID CHASE BANK IN FULL FOR THE AMT. THEY [ CHASE ] REQUESTED AS A PAYOFF BALANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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. The following Accounts : Original Creditor : XXXX XXXX Debt holder : XXXX  XXXX XXXX Balance : {$1200.00}
Product: Debt collection

I want to bring to your attention that the disputed items on my credit report are a result of identity theft, and this issue has been promptly addressed by other credit reporting agencies. Other bureaus have acknowledged the fraudulent nature of these accounts and have taken the necessary steps to remove them from their reporting. 
XXXX XXXX XXXXXXXX PLEASE DELETE!!! XXXX have already removed this account from their records. 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! XXXX  and XXXX have already removed this account from their records. 
XXXX XXXX XXXX XXXX- PLEASE DELETE!!! XXXX  have already removed this account from their records. 
XXXX XXXX XXXX XXXX- PLEASE DELETE!!! XXXX  and XXXX have already removed this account from their records. 
XXXX XXXXXXXX FRAUD, PLEASE DELETE!!! 
I insist that you promptly investigate this matter and remove the fraudulent accounts from my credit report. I believe that the law requires you to act in accordance with the FCRA, and I am hopeful that your agency will fulfil its legal obligations in resolving this matter.
Product: Credit card or prepaid card

I used to have a {$15000.00} credit limit with Citibank, but this week they lowered my credit limit to {$4500.00}, because their XXXX  division states that I have too much debt. I make my payments to XXXX, I still have a job, I haven't asked for any assistance or forbearance, but they STILL lowered my credit limit over XXXX! This should be illegal.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the correction of inaccurate personal information in my records, as mandated by the Fair Credit Reporting Act ( FCRA ), specifically under Sections 611 and 609. The following names and addresses have been inaccurately listed in my records : **Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The correct and accurate information is as follows : **Accurate Name : ** - XXXX XXXX XXXX XXXXAccurate Address : ** - XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Under Section 611 of the FCRA, I have the right to dispute inaccurate information in my credit report, and the credit reporting agency is required to investigate the items in question. Furthermore, Section 609 entitles me to request and obtain all the information in my credit file.

I request that you update my records to reflect this accurate information. This correction is essential to ensure the accuracy of my personal records and to prevent any potential issues related to misinformation.

Please confirm receipt of this request and inform me when the corrections have been made. Should you require any further information or documentation from me to process this request, please do not hesitate to contact me.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ; US DEPT ED XXXX Balance Owed : {$28000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$39000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$490.00} ; XXXX XXXXXXXX Balance Owed : {$100.00}
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Late Payment XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX