23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express have been reporting late payments on my credit reports. They transferred my account to a Third party collection agency in XX/XX/2018 and they are still reporting my acct late while the collection agency has possession of the account.The collection agency stated that American Express is reporting not them, but when ask American Express tell me my account is no longer with them and XXXX XXXX has it. So if that's the case why is American Express reporting late payments to the bureau and I have paid my balance with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Unauthorized credit inquiry from XXXXXXXXMilestone
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigations results
Product: Credit reporting, credit repair services, or other personal consumer reports

IQ DATA INT'L INC # XXXX****IQ Data International Failure to Validate Disputed Debt ... XXXX consumer iq-data-international-fail ... 
XX/XX/2017 - According to the complaint, IQ Data has violated the Fair Debt Collection Practices Act ( FDCPA ) in a number of ways, including the following : Falsely representing the character, amount, or legal status of XXXX 's debt. Communicating, or threatening to communicate, false credit information.
Product: Mortgage

Check # XXXX. Services misapplied funds to a totally incorrect account, violating every financial regulation. Specifically, where [ principal, interest, Escrow, etc. ] were check # XXXX funds applied, and why?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is continuing to report a Credit Builder Plus loan XXXX loan with XXXX XXXX as two payments past due. This loan has never been past due. XXXX IS ON VIOLATION OF FCRA and UDAAP. 
XXXX is practicing predatory lending practices and Abusive practices. By reporting Current loan as DEFAULTED or past due on customers credit. It is egregious and terrible in the middle of a global pandemic.
Product: Credit reporting or other personal consumer reports

We purchased a new vehicle last month. The dealership was told that we would be paying for the vehicle and NOT FINANCING it. They indicated they would not do a XXXX XXXX inquiry. 
We found that a XXXX XXXX was done on myself and my son on XXXX. 
XXXX XXXX was notified and a complaint was logged with them. They told me I needed to contact you also. 

GM Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

My payment was sent on XX/XX/2016 the payment was sent with tracking. The tracking number is XXXX and confirms the payment was received by Synchrony on XX/XX/2016 at XXXX. The check was drawn from our title company under check # XXXX is in the amount of XXXX that should have paid the card in full. Synchrony has taken the stance that they ca n't find it and it 's my problem and not theirs even though I have provided them with the tracking and check information.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the unauthorized reporting of transaction and late payment history on my credit report by Experian, XXXX, and XXXX. This action appears to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a and 1681b.

According to 15 U.S. Code 1681a, a " consumer reporting agency '' is defined as any person that regularly engages in the practice of assembling or evaluating consumer credit information for the purpose of furnishing consumer reports to third parties. Additionally, a " consumer report '' is defined as any communication bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.

However, 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) excludes reports containing information solely as to transactions or experiences between the consumer and the person making the report. Therefore, reporting transaction history on my credit report is considered illegal under this exclusion. Furthermore, the reporting of late payment history without proper verification and authorization is also in violation of the FCRA. 

As a consumer, I have not provided authorization for the inclusion of transaction and late payment history on my credit report, nor have I consented to such reporting. Therefore, the actions taken by Experian, XXXX, and XXXX are in direct violation of the FCRA. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to address the unauthorized reporting of transaction and late payment history by Experian, XXXX, and XXXX. Enclosed with this letter, you will find copies of relevant documents, including my credit report reflecting the unauthorized reporting. 

Thank you for your prompt attention to this issue. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure that my rights under the FCRA are protected. 
XX/XX/year>
Product: Debt collection

In 2017 a debt collection agency by the name of PMAB , LLC attempted to collect an unknown debt from me in the amount of XXXX.
Product: Debt collection

To whom it may concern : This is a written statement regarding the above medial record number. On Thursday XX/XX/XXXX, I received a notification from Experian that there was a new collection item added to my account under XXXX XXXX XXXX XXXX XXXX XXXX, under MRN : XXXX with a date of service of XX/XX/XXXX. 

I called and spoke with XXXX at XXXX XXXX XXXX @ XXXX ext. XXXX on XX/XX/XXXX @ XXXX XXXX, who confirmed the collection account is from XXXX XXXX XXXX XXXX in XXXX XXXX, CA. 
I can confirm and prove that I have never been a patient at this Medical Center. I am not a resident in or near the XXXX XXXX area nor have I EVER been. I do not have family or friends in or near the XXXX XXXX area either. I have been a resident only in XXXX California all of my life. Currently a resident of XXXX CA since XXXX ; and previously XXXX XXXX AND XXXX XXXX, CA. I am a victim of ID theft and have been since XXXX. I currently have about 10-15 police reports that I have filed myself and police reports that have been provided to me from various police departments over the years. 

Again, I am not a patient at XXXX XXXX XXXX XXXX nor have I been a patient with this Medical Center, therefor I am not responsible for this debt. Please investigate this and remove my name and SSN out of your system or database, ASAP and please notify the authorities. 

I called and spoke with XXXX in XXXX XXXX @ XXXX XXXX XXXX XXXX @ XXXX today, XX/XX/XXXX @ XXXX, who confirmed my identification and provided me with the medical record number and date of service. He also advised me to include in this email : My CA ID and a document showing my address at the time of the date of service that is being billed ( XX/XX/XXXX ). This email is also being sent from my employer email which shows the address of my current employer. I also included my employee verification with my start date. 

Collection Agency : XXXX XXXX XXXX  Ph : XXXX Fax : XXXX Account # XXXX Police Report Number : XXXX
Product: Credit card

I have sent installments to Pentagon Federal and some checks were not received in our accounts.NFCU also has large installment interest rates.I 'm a vet in public education with a furlough and only pt. time work as a recreation leader.
Product: Debt collection

XX/XX/XXXX I was notified by my credit monitoring company that Collection Management Company had reported a {$1400.00} debt to the credit bureaus. I have never received a bill for this and had no unpaid debt ever. With the assistance of my credit monitoring company, we tried to track the collection company who stated the debt was with XXXX XXXXXXXX XXXX. Multiple efforts starting from XX/XX/XXXX to XX/XX/XXXX were made to work with Collection Management Company and XXXX XXXX XXXX to receive proof of debt and redact from collections and the credit bureaus. However, I have never been able to directly contact XXXX XXXX XXXX and keep getting routed to XXXX. XXXX and Collection Management Company have been stating they will redact the debt from collections and provide proof of debt to try to resolve the issue. However, they have not followed through with either request after repeated efforts and requests. In addition, IF this is a legitimate bill for a doctor visit it falls under the TN No Surprise law. Under this law the amount of {$1400.00} is seriously over charged and is in violation of TN No Surprise law enacted on XX/XX/XXXX which does not permit a bill beyond an in network rate which would make this alleged charge to be no more than about {$200.00}. After lack of follow through with either of these agencies after repeated attempts over 7 months, I sent emails to the companies with no responses, I filed a complaint with XXXX  with no response from the company, and have filed disputes with the credit bureaus as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions
Product: Credit card or prepaid card

Sent two checks that totaled the full amount due on statement along with payment stub to Barclay for payment on MasterCard account number ending in XXXX. The payment stub was sent to Barclays bank and cashed for full amount. However, it was NOT a check, it was a payment stub. One of the two checks was submitted to Barclays bank and cashed for amount of check. Our bank also accepted the payment stub as payment, but when shown the problem redeposited the money into the proper account. We have a check that cleared our bank but is not posted by Barclays as having been received. We have called Barclays and e-mailed copies to them of the cancelled checks. To protect our rights we also mailed them a letter with problem outlined and copies of cancelled checks. Received a letter stating they would look into the problem. Received another letter stating they are unable to complete our request. They cashed a check for {$2500.00} and refuse to apply it to our account. Not only do they say we still that money, but we are being billed finance charges as well.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXwas never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX  list below has violated my right 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. 

Charges below would need them to be remove has they previously was remove and resold to different companies as I have record identify theft was done and has locked on my credit report. 

Account name CREDENCE RESOURCE MANAGE Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name CREDENCE RESOURCE MANAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$12000.00}
Product: Debt collection

Hello XXXX XXXX, this is Spire Recovery Solutions. We're trying to contact you in regard to the account you have in our office. Please text us back or call us at XXXX and refer to reference number XXXX. You may go online to setup an arrangement following this link : XXXX XXXX XXXX This is an attempt to collect a debt, any information obtained will be used for that purpose. Thank you. 
Text STOP to opt out My response : I AM NOT THE PERSON YOU ARE LOOKING FOR. MY NAME IS NOT XXXXXXX. 
STOP STOP STOP STOP Another message sent by them : Hello XXXX XXXX, this is Spire Recovery Solutions. We're trying to contact you in regard to the account you have in our office. Please text us back or call us at XXXX and refer to reference number XXXX. You may go online to setup an arrangement following this link : XXXX XXXX XXXX This is an attempt to collect a debt, any information obtained will be used for that purpose. Thank you. 


My response to the latest message : To whom it may concern. 
I responded to this text that I am not XXXXXXX XXXXXXXX and texted STOP multiple times. As you have now sent another text on this I will be filling a formal complaint against you with the FTC and our state attorney general office. 

I went to the FTC site and they forwarded me to your site. 
Thank you for investigating this matter.
Product: Credit reporting or other personal consumer reports

As a victim of identity theft, I am submitting another request for the removal of items from my credit file attributed to alleged identity theft. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are obligated to remove any items no later than four business days after XX/XX/XXXX. I have previously addressed this matter in the report enclosed with my prior letter, and I am resubmitting it here alongside the new FTC report, numbered # XXXX. Additionally, the information provided on these items is unfamiliar to me and has been expunged from other bureaus, raising doubts about its accuracy. This complaint serves as notification that failure to remove the listed items from my report may result in legal action. I have informed my legal counsel of my intentions, and they are prepared to take appropriate action in the event of willful noncompliance : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2300.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2200.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX  XX/XX/XXXX. I am issuing another warning. Please remove the items resulting from alleged identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is showing a collection on my account with the original creditor XXXX XXXX XXXX XXXX. It is showing a balance of {$630.00} and says it was opened on XX/XX/XXXX of this year. I do not know what this account is. I do not owe any money to XXXX XXXX  XXXX XXXX, and have not in over 7 years, so I do not know why this account is showing on my report.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX XXXX, previously managed by XXXX XXXX, transitioned to XXXXXXXX XXXX. During this transition, my login credentials changed, and my autopay was removed without notice. As a result, I was unable to access my account and verify my payment status. Additionally, my mailing address was outdated in their system, so I did not receive statements or alerts. 

Once I became aware of the issue, I paid off the account in full, and my balance is now settled. Despite this, XXXX refuses to remove the late payment, even though the delay was caused by their transition process, not negligence on my part. 

I am requesting that the late payment be removed from my credit report as this was an error beyond my control, and my account is now in good standing. The bank decided not to correct this despite they DID have my autopay information but they did not activate it when transitioning to the new bank.
Product: Mortgage

My wife and I decided to pay the taxes ourselves on the home, which is when the trouble began. My wife and I then decided to have Mr. Cooper  pay the taxes and insurance. 

On XX/XX/2023, I received the following documents to have them pay the taxes and insurance. My wife and I filled out the documents and returned the documents to Mr. Cooper. In addition, I was instructed to send a XXXX dollar check to Mr. Cooper, which I did on XX/XX/2023, and indicated on the check that this would be applied to the escrow account only. 

Today is XX/XX/2023 ; I called Mr. Cooper and was told that my Escrow was open and closed simultaneously. How can my escrow account be opened and closed at the same time? 

I put on check in the memo section for Escrow shortage only. Unfortunately, Mr. Cooper failed to apply the money to my Escrow account. An attempt was made to move the XXXX dollars to Escrow, but because the account was open and closed, the money could not be moved. 

Mr. Cooper refused to answer whether they would pay my taxes on my home, having assured me on or about XX/XX/XXXX that they would indeed pay all of my taxes on my home. 

I can not afford to pay this month 's taxes as I gave the money I would use to pay the tax bill to Mr. Cooper. My wife and I have lived in the current home for the last 17 years and have never missed a single payment. However, we are now in fear of losing our home for failure to pay taxes brought on by Mr. Cooper and need immediate relief.
Product: Checking or savings account

On XX/XX/XXXX around XXXX at the laundromat I miss-placed my cell phone which had my Wells Fargo debit card attached to it in the wallet case of my phone. I went back looking for it on XX/XX/XXXX at where I believe I miss-placed it at to see if I could find it. On the same day XX/XX/XXXX I received a fraud alert email from Wells Fargo saying they " detected some unusual account activity on my account ''. I immediately contact Wells Fargo on XX/XX/XXXX in regards to the charges as the last time I had my card was XX/XX/XXXX. There were 6 unauthorized transactions made in a different city from me totaling {$1100.00} on XX/XX/XXXX. I immediately asked the Wells Fargo representative to deactivate the card and disable my apple wallet to avoid further purchases as I believe the person was using my phone as well. I asked Wells Fargo is there anything else I should do like filing a police report. The Wells Fargo representative transferred me to fraud department where they said it would be investigated and I should hear back in 2 weeks and that my new debit card would arrive in the mail. 2 weeks pass by and now on XX/XX/XXXX I received a notice that Wells Fargo completed it's investigation and isn't reimbursing my account for the unauthorized transactions that I did not make. I have been a customer of Wells Fargo since XXXX and am appalled by this lack of resolution.
Product: Money transfer, virtual currency, or money service

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 proce 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 5,2 financial loss, and I seek appropriate redress for all violations.
Product: Credit reporting or other personal consumer reports

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.