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 Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by 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 paymentS reported as late were 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 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: Student loan

I contacted AES about the cares act temporary forbearance of payments. My loan is a federal loan that was apparently sold to a private servicer. I was told they are exempt from having to comply with the CARES act. I attended XXXX University and have huge student debt. Because of it. I dont understand how a loan private servicer who is handling a federal loan can refuse to comply with CARES
Product: Checking or savings account

Monday XX/XX/2024 approximately at XXXX, I walked into my local Bank of America Branch to deposit cash. I waited in line to speak with a representative to make the depo But there was only XXXX person serving us. Due to a lack of staff and time that I had I asked a rep if I can make a large deposit in the ATM located inside of the Bank, he said yes and it should be faster then waiting in line. The ATM was being used by by XXXX person so i waited till he was done. After he was done And then I proceeded to the ATM and put my card in entered my pin, and pushed the deposit cash option. I deposited a total of {$3700.00} as soon as I deposited the last couple of bills, the ATM went to a Black Screen Returned my debit card and rebooted. I didnt receive a receipt nor the funds available in my checking account. I immediately asked the Bank representative what happened and I explained the above. They sat me down and asked me to call the Customer Service line by phone and was asked to file a claim. The claim was filed and they told to just wait until they have processed the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hap applied for XXXX XXXX credit card on XXXX  2018 and received XXXX referenced letter. I did not have and still do not have any negative remarks on my credit report. I would like to have detailed explanation regarding why XXXX XXXX  did not approve my application and how I can solve the mentioned " unsatisfactory '' relationship. I faxed them the same request back in XX/XX/XXXX however they did not reply.I do have other credit cards and accounts. Kindly investigate and advise.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Subject : Dispute of Account [ Account Number ] : XXXXXXXX XXXX XXXX XXXXXXXX Inaccurate and Unvalidated Debt Reporting** Dear TransUnion Dispute Department, I am formally disputing the accuracy of account XXXXXXXX XXXX XXXX XXXXXXXX XXXX reporting a balance of {$49000.00} and 32 late payments, as of XX/XX/XXXX. I believe this reporting violates the Fair Credit Reporting Act ( FCRA ) and the California Consumer Credit Reporting Agencies Act ( CCCRAA ) due to a lack of proper documentation and significant inconsistencies. 

**1. Insufficient Verification : ** In response to my request for debt verification, you provided an unsigned court document [ XXXX, XXXX Received ]. This document lacks the necessary signatures to constitute a legally binding court order, failing to meet the requirements for debt validation under 15 U.S.C. 1692g ( FDCPA ) and California Civil Code 1788 ( Rosenthal Act ). An unsigned document is insufficient proof of a legally valid debt. And I attached the court document and highlighted where the signatures will go to show clearly that there is no signature on this document from neither parent or non-custodial parent.

**2. Inconsistent Payment History : ** The reported payment history indicates consistent 120+ day late payments for years, despite the account balance supposedly being updated to {$0.00} on XX/XX/XXXX. This discrepancy demonstrates a failure to accurately reflect the payment history and account status as required by 15 U.S.C. 1681e ( b ) ( FCRA ) and California Civil Code 1785.14 ( b ) ( CCCRAA ). 

**3. Discrepancy in Reported Balance : ** The reported balance fluctuates significantly without explanation. This lack of transparency and clarity violates the FCRA 's requirement for accurate and complete reporting ( 15 U.S.C. 1681g ( a ) ( 1 ) ). 

**4. Other Credit Bureaus : ** XXXX and XXXX have already removed this account from my credit report due to the lack of verifiable documentation. TransUnion 's continued reporting based on an unsigned document highlights a clear discrepancy and further supports the invalidity of this account. 

I demand the immediate removal of this inaccurate account from my credit report. I request that TransUnion provide a certified copy of a *signed* court order and other legally sufficient documentation that validates this debt. Without such evidence, the continued reporting of this debt constitutes a violation of the FCRA and CCCRAA.

I have attached a copy of the unsigned document you provided. I look forward to your prompt response and correction of this inaccurate reporting within 15 days Sincerely,
Product: Debt collection

XXXX has a complaint against it. This is to re-apply a complaint against XXXX in case I have failed to do it properly the first time around ( mentioning all the parties to the matter in the original letter instead of just one ). 

Negative reporting of not paying a debt which I paid to the wrong Bank of America account on their New Bank of America ( debt buyer credit account ) that belonged to another credit account supposedly that was a debt buyer as well, known as XXXX XXXX formerly Bank of America. The consumer should have been informed it did n't belong in the paid up account known as the New Bank of America, former grantor Bank of America, and sent back to her timely. Instead it was wrongly transferred to XXXX XXXX after the cut-off date and I was found to have not paid the credit account. After several credits, the debt reappeared in the automatic system as owed with fines and late payments. When I could no longer figure out what I owed, I stopped paying any debt. I phoned, Emailed, and wrote complaints to no avail. The debt buyer never tried to honor consumer rights. It has no signed agreement from me, and no documents either.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Social Security : XXXX XXXX, XXXX XXXX Experian ( XXXX XXXX ) XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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.

Items listed above, have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( AN ( 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. 
Remove Non mailing fraudulent addresses listed below : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove Unauthorized Fraudulent Accounts Listed Below : ( FCRA Law ) 1 ) XXXX XXXX XXXXXXXX ( XXXX XXXX ) XXXX, Opened XX/XX/XXXX, Collection account XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, Secured Loan XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, Secured Loan XXXX ) ( No name found ) XXXX, Opened XX/XX/XXXX, Collections account XXXX ) ( No name found ) XXXX, Opened XX/XX/XXXX, Collections account XXXX ) ( No name found ) XXXX, Opened XX/XX/XXXX. XXXX, Collections Remove Unauthorized Fraudulent Inquiries Listed Below : ( FCRA Law ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX  XXXX XXXX, and XXXX   XXXX accounts for months. XXXX refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY HAS NEVER MADE ANY ARRANGEMENT WITH ME TO STORE OR USE MY INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've telephoned all 3 credit bureaus regarding hard inquiries that are placed on my credit files. I informed the credit reporting agencies that I did not apply for credit with these institutions requesting my credit profile. Per the credit bureaus instructions, I telephoned all companies listed on my report and informed the of the matter. However, I was eventually referred me back to the credit bureaus. Now I am stuck with these inquiries on my credit report and its effecting my well being because nobody seems to care to help. My job maybe at risk because I am required to maintain a certain credit profile background. The following are not my inquiries : Experian : XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXy XX/XX/XXXX and XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX : XXXX XXXX, XXXX XX/XX/XXXX Please help me resolve this matter promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with ( XXXX, Experian, XXXX  ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law
Product: Debt collection

For the past several months we have receive notices from XXXX XXXX, regarding the collection & enforcement of our Home Line of Credit. The line of credit was executed between me and XXXX onXX/XX/XXXX. 

XXXX XXXX is trying to collect the debt and claims that the account is fully enforceable by its terms. XXXX XXXX is trying to establish enforcement on a Heloc or line of credit, however in the state of Florida the Heloc by its term is a non-negotiable instrument. 

Under Florida Law, the heloc is not a self-authenticating negotiable instrument. By its own terms, the note established a " credit limit '' of up to XXXX from which I could requested in advanced ..at any time. Further the note provided that all advances and other obligations ... will reduce your available credit ''. The heloc note was not unconditional promise to pay a fixed amount of money. Rather, it establishes the maximum amount of borrower power extended to a borrower by a given lender, to be drawn upon by the borrower as needed. See line of credit XXXX XXXX XXXX, XXXX ( XXXX XXXX. XX/XX/XXXX ). 

The distinction is not esoteric legalese. Florida law is clear that a " negotiable instrument '' is " an unconditional promise or order to pay a fixed amount of money, with or without interest pr other charges described in the promise or order. '' 673.1041 ( 1 ), Fla. Stat. ( XX/XX/XXXX ). The Heloc note reflects no such undertaking. it only obligates me to repay whatever borrow, up to XXXX. Therefore the HELOC failed to require the payment of a fixed amount of money, making it nonnegotiable instrument. XXXX XXXX can not continue to enforce this debt as it is deemed nonnegotiable by its own terms.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX please provide me with the accurate information on these accounts, this effects my life and you guys are listing wrong and inaccurate information XXXX XXXX section XXXX A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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. XXXX XXXX. XXXX ( A ) ( XXXX ) 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 made a {$1000.00} payment to our discover account credit card over a week ago. Today, the account still doesn't have the proper balance updated along with the proper credit being updated. We have called the Discover Bank about 10 times in one day. Every time resulted in us getting hung up on mid way through the call. The representatives are very unprofessional. They are saying I won't be able to access the credit for the payment until another 8 days. This is ridiculous and doesn't make sense. They have already takened the money out of my account but won't confirm with the bank that my payment has already cleared so they can un-lift the available credit. Quite honestly Discover has taken my money and isn't acknowledging my credit for it. We are being dicked on side ways by this company and feels like we have no help. It appears I we will need to elevate the our concerns any way we need to get this issue resolved ASAP. We are also closing our account with discover afterwards and I am also looking into law suit possibilities. I want someone help accountable for this unprofessional act. I am not done with them yet.
Product: Debt collection

XX/XX/XXXX, I was sued by Midland Funding LLC ( " MCM '' ), a subsidiary of Encore Capital, for the unpaid XXXX XXXX, debt which was jointly incurred by my former husband and I but was in my name. Before MCM filed a lawsuit, I attempted to settle the matter with them explaining that I was going through difficult divorce, financial hardship and health issues. MCM did not care about any of this and filed a lawsuit anyway. After XXXX hearings, I felt MCM took advantage of me since I could not afford an attorney and I was XXXX XXXX at that time. MCM literally got me to accept their full terms and give them a first payment before I even had a chance to review their proposed paper work. I also learned recently that MCM took my first payment before it even prepared my settlement agreement and filed a conditional settlement notice with the Court. Additionally, MCM failed to comply with California Rule of Court 3.1385 by failing to immediately alert the Court regarding the settlement. 
XX/XX/XXXX, my consultant XXXX XXXX XXXX and I reached a final agreement with MCM to settle the outstanding balance. We indicated, both verbally and via email, that our intention was to make an immediate payment in exchange for a prompt dismissal of the pending litigation. MCM attorney XXXX XXXX XXXX agreed to these terms in her XXXX XXXX, XXXX, settlement offer letter and the following correspondence. 
After XXXX XXXX contacted XXXX XXXX ' office 45 days after the settlement pursuant to California Rule of Court 3.1385, she stated to him that the dismissal was filed and she was waiting on the Court to dismiss the case. XXXX XXXX followed up with XXXX XXXX few days later and her answer was still the same. At that time, we contacted the Court directly and learned that no dismissal paper work was filed. XXXX XXXX lied to us and her untruthfulness was later confirmed by her attempting to backdate the dismissal a copy of which we have on our file. 
As a part of MCM 's and XXXX XXXX ' untruthfulness, their negligent actions and their failure to comply with California Rules Of Court 3.1385 to timely dismiss the Court case, XXXX XXXX and I had to expend additional time and resources to work on the settlement reimbursement with my former spouse. When we brought the late filing issue to the attention of MCM and XXXX XXXX, she threatened to go after me for the balance discharged as a part of the settlement. 
In good faith, I had made timely payments to comply with the settlement terms and yet, once MCM received my final payment, it reneged on the terms of its own settlement letter. Furthermore, MCM failed to comply with California Rules Of Court and later attempted to cover up its negligent actions. I truly hope that your office conducts its own objective investigation in this matter to prevent MCM from harming consumers who, in good faith, comply with their settlements with MCM while MCM feels entitled to renege causing consumers to incur additional expenses.
Product: Credit card or prepaid card

Hello, I am currently a Bank of America customer and hold a credit card, savings and checking account with them. Recently, I made a claim on 10 fraudulent charges to my credit card. 

Once I spotted the unusual charges I contacted BOA to have the card canceled on XX/XX/XXXX. 

At that time, BOA did a temporary refund of those charges as they researched the claims from XXXX XXXX XXXX The total of the fraudulent charges was {$890.00} XX/XX/XXXX XXXX # XXXX XXXX XXXX {$210.00} XX/XX/XXXX XXXX # XXXX XXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  {$8.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  {$25.00} XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX$7.00} XX/XX/XXXX XXXX # XXXX XXXX {$210.00} XX/XX/XXXX XXXX # XXXX XXXX XXXX  {$210.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$4.00} We have verified proof for both of these dates at the times of these purchases that I could not have been present in these cities to make these purchases. 

On the morning of XXXX from XXXX XXXX to Noon my spouse and I were both in attendance at the XXXX XXXX  State Courthouse for a supervised in-person visit for our XXXX XXXX children with their biological parents. This is verifiable by the state. 

During that visit we logged on to a online training XXXX course to be licensed XXXX XXXX XXXX We logged on to the certified session with 20 other witnesses to our attendance. The training ended around XXXX XXXX. 

Additionally, following this visit, on the afternoon of XX/XX/XXXX as verifiable by the time stamp on my BOA debit card and receipt, I made an in-person grocery purchase at XXXX  in XXXXXXXX XXXX  which has digital confirmation on our store app. 

I then made a purchase 2 miles from my home shortly after our visit to XXXX  in XXXX XXXX at a local bakery, verifiable by my debit card. 

These directly conflict with charges someone fraudulently posted to my CC which I reported stolen to BOA. 

This would have made the XX/XX/XXXX purchases listed above at XXXX in XXXX, XXXX and gas station purchase in XXXX XXXX physically impossible as these locations are 50 minutes from our home in XXXX and from the XXXX, XXXX  XXXX. 

We can provide a letter from the state that confirms our location in XXXX XXXX  at the morning training and XXXX visit times which would clearly demonstrate a conflict of feasibility in making the in-person purchases BOA is denying are fraudulent. Should you require the letter please let me know. 

The following day on the XX/XX/XXXX when similar fraudulent charges posted from XXXX I was at my place of work in XXXX XXXX and have verified charges on my debit card account revealing purchases in XXXX XXXX. This would make the other purchases impossible to complete as I was in XXXX from XXXX XXXX  in the morning until XXXX XXXX in the afternoon when I returned to the state of XXXX. Having XXXX  young children and in the middle of a pandemic, if one partner is at work the other must be home and therefore my spouse could not have made any in-person purchases with this card. For supporting evidence See attached
Product: Credit reporting or other personal consumer reports

Creditor Name : XXXX XXXX Creditor Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Phone Number : XXXX Creditor Name : XXXX XXXX Creditor Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Phone Number : XXXX I recently checked my credit report and noticed some inaccurate accounts reporting.