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 Equifax 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 Account Number : XXXX Date of Late Payment : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX 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 : The payment reported as late as XX/XX/XXXX was made on time, as evidenced by my bank statements and payment confirmations. Despite providing this information in my initial dispute, the error has not been corrected. 
Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ), creditors are required to provide clear and accurate information regarding the terms of the credit. If the late payment reported does not align with the terms initially agreed upon, it warrants removal. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax 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 XXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

Called went on website and disputed nothing was done
Product: Payday loan, title loan, or personal loan

My information was used without my permission to multiple companies this was the letter I got a call from that number from XXXX XXXX he was impersonating him i can only guess. They took all my information from that call and now this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is not reporting my 2 XXXX XXXX accounts nor my XXXX charge account nor my XXXX XXXX credit card account. All 4 of these accounts are satisfactory accounts that should be reporting on my credit report why they removed them I do n't no but I want them to start being reported again. I contacted all creditors and requested they report my credit to transunion. I am also very annoyed that another account XXXX XXXX XXXX XXXX is reporting as a chapter XXXX bankruptcy I never filed for chapter XXXX bankruptcy this information is completely wrong and hurts my credit score. I want that remark removed because I never filed for bankruptcy
Product: Mortgage

Bayview keeps sending people to my home asking me to contact them. I have already been in contact with them several times. I had to pay two payments this month because my XX/XX/2018 payment was returned un paid from my bank. I made two payments two come out two different dates one for XX/XX/2018 for the XX/XX/2018 payment. And for the recent payment of XX/XX/2018 was made for XX/XX/2018. I currently have the XX/XX/2018 payment to come out on XX/XX/2018. It hasn't yet cleared my checking account for the XX/XX/2018. This is harassment bayview sending someone to my home all the time. Which i am current with my payments. If it makes them mad making complaints well it makes me mad them trying to harass me and lying with them saying they haven't talked to me. And how they go out of the way to send someone to my home and leave a note.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  Subject : Credit Report Dispute for Account XXXX XXXX XXXX Dear TransUnion and XXXX I am writing to formally dispute an inaccuracy on my credit report, which I obtained from your agency. The information listed under [ Creditor Name, e.g., XXXX XXXXXXXX ] and reported on [ Credit Bureau Name, e.g., XXXXn/TransUnion ] contains incorrect data. 

The account in question, listed under account number XXXX currently reflects a status of Charged Off or Collection/Charge Off. However, this account has been resolved as per the grantors comments on the credit report itself. It explicitly states : Charged off as bad debt. Dispute resolved ; reported by grantor.

This contradictory information is negatively affecting my credit score and does not accurately reflect the current status of the account. Please investigate this matter and update the information to reflect that the account is resolved.

I have included the following documents to assist with the investigation : 1. A copy of my credit report highlighting I request that this error be corrected and that a confirmation letter be sent to me once the updates have been made.

Thank you for your prompt attention to this matter. If you require further information, you can reach me at XXXX or XXXX Sincerely, XXXX XXXX
Product: Debt collection

This is my third complaint regarding XXXX XXXX XXXX XXXX On XX/XX/XXXX, I received a letter indicating that the medical debt they reported on my credit file would be deleted. A few days after, I received notification that it was removed. Today, XX/XX/XXXX, the trade line has been added back to my credit and caused a 40 point dip in my overall score. This trade line needs to be deleted immediately as it is affecting my ability to purchase my home. I've attached the letter for your review.
Product: Credit card or prepaid card

I applied for citi Sears credit card and was denied for weird reasons inquiries for credit and I wasnt giving a second chance and I called the number and I cant get hold of a live rep and this sounds like scams or Sears is not in business I would like this inquiry remove off my credit report it dont make any sense at all I dont have any other inquiries reported on my XXXX just citi/Sears and I have good credit. I would like a call back from Citibank Sears to get this application reviewed. So far I havent gotten hold of a live rep and I will enclose a letter and my credit report
Product: Credit reporting or other personal consumer reports

I am writing you FOR THE 2ND TIME to dispute Fraudulently Inquires that where applied for in my name. I had no knowledge of these accounts, nor did I APPLY FOR ANY ACOUNTS. - XXXXXXXX XXXX XXXX, Account XXXX, XX/XX/XXXX, {$96.00}. This is not my account, its fraudulent. 

Inquires from - XXXX  XXXX - XXXX XXXX. I did not authorize the inquires or did I apply for their credit products. 

I am requesting A copy with my signature in agreement with any and all terms and charges related to the inquires accounts reflecting on my credit report. 

IF YOU CAN NOT PRODUCE THESE DOCUMENTS Please DELETE them. 
I am a real person and no credit services were used to help me with my dispute. Common sense is common sense and I have sense enough to do things on my own. 

My current address is XXXX XXXX XXXX, XXXX NC XXXX. Please also update this on my credit report. 
My current job needs to be updated, it is XXXX XXXX XXXX, please remove XXXX from my credit report. 

Also delete this address because its related to fraudulent account and I have never stayed there- XXXX XXXX XXXX XXXX XXXX NC XXXX. 

PLEASE DO NOT ADD ANY ALERTS ( DO NOT ) TO MY CREDIT REPORTS, I DO NOT NEED A FRAUD ALERT!! 

I WANT YOU TO DELETE THE inquires ON MY CREDIT REPORT.
Product: Debt collection

I kept receiving calls and letters from a company called Portfolio Recovery Assistance LLC I wrote a letter requesting validation letter than letter was produced so on XXXX XXXX I proceeded to contact the agency spoke to a collector that kept playing games by changing her voice at one point she stated she was manager and just made her voice deep. I agreed to make a settlement for XX/XX/XXXX and XX/XX/XXXX with the agreement to get it taken out of my credit report and with them to produce a settlement letter along with agreement to remove this from my report. This was never accomplished, than I tried to make a payment to their online services would not allow me too. Than I contacted the collection agency on XX/XX/XXXX they emailed me telling to contact an agency I refused to contact an agency because all they do is play phone tag acting as a manager etc. I have repeatedly asked for the letter before making a settlement payment. Now they want the payment but refuse to send a settlement letter. They have had almost 4 weeks to produce the agreement letter and nothing has been accomplished. I was willing to pay XXXX in two payments for a XXXX credit card that was in collections. I explained I had got laid off due to COVID and was barely getting on my feet explained to them they kept call me during COVID when they was suppose to cease and decease during that time. 
Account # XXXX Seller : XXXX XXXX XXXX  XXXX, Current Creditor Portfolio Recovery Associates LLC, Balance : XXXX what is strange is when you call they read the mini Miranda for Collection but this on my email : " Please be advised that this is a communication from a debt collector, but this is NOT an attempt to collect a debt. Any communication with PRAs Customer Care Department is made for the limited purpose of addressing your issue and is NOT an attempt to collect a debt. '' " " I am here to help, contact me today! ''
Product: Debt collection

I received a notice in the mail from XXXX XXXX XXXX XXXX in 2020. I have and had no idea what this company was alleging I owed. I mailed them a certified letter asking what this was about and a copy of any contracts, original documents, etc. They never provided me with anything, however ; they reported a debt in the amount of {$2200.00} which has negatively impacted my credit. To top this off, they have the audacity to state that this debt was disputed and resolved, yet it's there on my credit report. This has not been resolved, and this company is violating my rights by reporting this incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a dispute with XXXX on XX/XX/XXXX on a collection that was made by Collecion Bureau of America on XX/XX/XXXX Confirmation Number : XXXX.I explain to them that is was only XXXX at the time of the collection i was not XXXX yet and that was without my consent they did an investigation and and there conclusion on XX/XX/XXXX was that the account did belong to me. and they made changes on my credit report that my birthday is XX/XX/XXXX and my previous addresses when i lived at current address sence i was XXXX my birthday is XX/XX/XXXX This is what they sent me XX/XX/XXXX The Results Of Our Reinvestigation Collection Agency Information ( This section includes accounts that have been placed for collection with a collection agency. ) >>> We have researched the collection account. Account # XXXX The results are : We verified that this item belongs to you. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *STATUS DATE *BALANCE DATE. If you have additional questions about this item please contact : Collecion Bureau of America, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX CBA Collection Bureau of Amer XXXX XXXX XXXX XXXX XXXX XXXX   XXXX CA XXXX : ( XXXX ) XXXX Account Number XXXX Date Reported XX/XX/XXXX Date Assigned XX/XX/XXXX Creditor Class Personal Services Client Name XXXX XXXX XXXX XXXX XXXX Original Amount {$190.00} Status Date XX/XX/XXXX Status Unpaid Date of 1st Delinquency XX/XX/XXXX Balance Date XX/XX/XXXX Balance Amount {$280.00} Last Payment Date Whose Account Individual Account
Product: Credit reporting or other personal consumer reports

I pulled my credit report recently and noticed a hard inquiry for XXXX XXXX XXXX XXXX in XX/XX/2023. I do not have an XXXX XXXX XXXX XXXX account. Please launch an investigation into the inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiries are invalid, I am requesting that them be removed from my credit report as soon as possible. But if the creditors are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted According to U.S. Code 1681i for the Treatment of inaccurate or Unverifiable Information, in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

Thank you for your cooperation in this matter.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX / XXXX XXXX XXXX XXXX / XXXX / XXXX / XXXX 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 Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

XXXX5 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 XXXX 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 card or prepaid card

I have a Capital one credit card open currently in good standing. I just received an alert someone opened another card with capital One in my name and it is NOT ME. My credit score was lowered and it was denied and idk what or who did that?! I dont know what to do. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX  XXXX ... PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Mortgage

On-going complaint against FayServicing, LLC Loan # XXXX Property address : XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SC XXXX Re : 4th complaint Due to our medical conditions and the fact my wife is on her retirement and I stopped working last year, we have filed a loan modification with Fay Servicing , LLC our mortgage company over 6 months ago and have had nothing but difficulty with them. They are deceptive and use fraudulent practices including lies, deception, stalling, losing documents, losing packages we send, misplacing items and then constantly telling us they did not receive what we sent in twice. 
We are not able to make our payments and we have to borrow to make them on the 30th day of the month and last month was again difficult for us. 
I have contacted them on over 30 different occasions and lately I have contacted them 7 times and they completely ignore all my communications and wont even get back to us despite our efforts to communicate fairly. 
We sent them in all the paperwork they requested even though they had everything once already and they lost it all. This is now the 6th month we have been struggling with them to no avail and no response from them. 
We have submitted our paperwork to an independent banker who has agreed we qualify for a loan modification and he stated it should only take 60-90 maximum to get it accomplished. He stated he saw over 1 million complaints against Fay Servicing , LLC and they were in an lost several lawsuits about defrauding people.
Product: Payday loan, title loan, personal loan, or advance loan

Loan originated XX/XX/XXXX for {$7900.00} Auto payments started XX/XX/XXXX {$250.00} Auto payments ended XX/XX/XXXX {$400.00} Stopped by XXXX XXXX XXXX payments totaled {$5700.00} Loan was opened under acct # XXXX Loan was switched to an acct ending in XXXX sometime in XXXX without notification. 
Never received statements until XXXX Never agreed to a minimum payment scheduled, wanted to payoff loan in XXXX  months to avoid interest., bank determined the withdrawal amount, not me. 
Have been communicating with bank since XX/XX/XXXX to resolve, but only can speak to collection people who say they will look into it, but never do or do not respond. 
Have sent registered letter to president of Synchrony Bank with no XXXX Bank credits each XXXX late fee and interest charge, but does not communicate regarding settlement I have offered to pay {$2100.00} which is the principal balance but have received no communications Bank calls daily for me to pay past due, but I refuse until they communicate on resolution of my complaint and accept my payment offer.
Product: Credit card or prepaid card

Synchrony bank issuer of the Care Credit program decided to lower my credit limit. The issue is that per regulation b they are required to contact me in writing prior to the change which they did not do. They never even mailed anything. They sent an email to someone, and won't even tell me the email address they've been sending my personal statements and other notices to but were more than happy to confirm they're not sending them to my email or my mailing address. Another violation of regulation b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was previously a victim of identity theft and had several accounts opened under my name without my knowledge an account by XXXX was among those debts and previously blocked from my credit report now it has been sold to another collection agency and placed back onto my credit file when it is supposed to be blocked I have submitted police reports and identity theft reports and it is still being put back on my credit file XXXX XXXX XXXX /XXXX  acct no. XXXX XXXX opened XX/XX/2021 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion & let them know that the account from XXXX XXXX and XXXX XXXX does not belong to me. I have submitted a previous complaint against this company for reporting incorrect information on my credit report and they continue to report this information.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address a serious issue involving two fraudulent XXXX XXXX accounts that have been improperly reinserted into my credit report by Experian. In XXXX, when I reviewed my credit report, these accounts were not present, as they had been previously removed after being identified as fraudulent. However, my most recent credit report now shows these accounts have been reinserted, and I have not received the written notification required under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 5 ) ( B ). This failure to provide proper notification is a clear violation of my consumer rights. These XXXX XXXX accounts were allegedly opened without my authorization and are fraudulent. Experian previously acknowledged this by removing the accounts. I believed the issue had been resolved, but their unexpected reinsertion has caused me significant distress and confusion. By failing to follow the legal requirements for reinsertion and ensuring the accuracy of my report, Experian has violated my rights under the FCRA. I respectfully request the Consumer Financial Protection Bureau to investigate this matter thoroughly.
Product: Debt collection

I am writing to inform you of fraudulent accounts on my credit report that are severely impacting my financial standing. It has come to my attention that there are entries that do not belong to me, tarnishing my creditworthiness and financial reputation. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Consumer Loan

I have contacted this company several times regarding automatic payments. I have been told that I am only able to make reoccurring payments via setting this option up online via an account login. I have attempted in XXXX, and also today XXXX to complete this process with no avail. I get the run around when contacting this party or setting up a post dated payment. The system is not user friendly and blocks you out if you are pass due. This is trickery at its finest ; Then I have to hear a lecture when I am late on top of being contacted at my job. If you call them from a phone number they in tune save it and will call you the next month a day after your payment is due. Just because I contact you from a number does not give you the right to in turn contact me on it. Telling me I am late every month but not allowing me access to complete my payment on line is wrong and is effecting my credit when I forget to make a payment. I should be able to complete auto draft by a paper form or complete the set up in the store. I should not have late payments on my credit when I am trying to pay every-month on time.
Product: Debt collection

Debt was wrongfully charged to my account. 

reference number XXXX Requesting to stop all communication and collections for this amount