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

Dear XXXX XXXX  ; Cfpb ; ; Dear Credit Bureau XXXX ; I am writing to formally dispute the late payment reporting on my XXXX XXXX XXXX account ( Account # : XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, credit reporting agencies are required to report only accurate and verifiable information. However, upon review of my credit file, I have identified multiple discrepancies and reporting inconsistencies that require immediate correction.

Basis for My Dispute 1. Failure to Maintain Accuracy ( FCRA 1681e ( b ) ) : My account is currently in good standing and " paid or paying as agreed '', yet previous late payments ( XXXX, XXXX, and XXXX days past due ) remain on my credit history. 
The account status and payment history contradict each other. If my account is reported as " current '' and " pays as agreed, '' the derogatory payment history must be removed. 
XXXX. Inconsistent Reporting Among Credit Bureaus : TransUnion states the account is " paid or paying as agreed, '' yet XXXX and XXXX list past delinquencies. This inconsistency suggests inaccurate reporting in violation of FCRA 1681i ( a ), which requires reinvestigation of disputed information.

3. Failure to Properly Investigate ( FCRA 1681i ) :
Product: Credit reporting or other personal consumer reports

I am listing XXXX inquiries fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX.Listed inquiries do not belong to me and must be removed from my XXXX XXXX XXXXt. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXXXXXX veteran who had dealings with USA Discounters. They went out of business and I found an article that there was a lawsuit which offer their military customers a debt forgiveness of their account. My wife and I started an account with them in XXXX  while I was XXXX in XXXX while on XXXX XXXX. 
For the past few years I have dealing with the law law firm XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX who threaten to put a lien against me and my wife unless I pay over {$20000.00} for what's owed on the USA Discounters account and legal fees. I need to know am I protected from under the lawsuit?
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX  2016.   XXXX   XXXX   XXXX   repossessed my   XXXX   XXXX  . I spoke with the company about making arrangements to get the vehicle back. Never heard anything back from the company. After checking my credit report a few months later, I noticed that they are reporting an inaccurate or different amount as the high balance on my report. After calling and speaking with a representative, I was informed that the vehicle was sold and the amount listed is different from what they notified me of. The representative even stated that she can understand why I am confused because she is seeing three different amounts that they had given me. According to NC law,   XXXX   XXXX   was suppose to notify me at least 5 days prior to the sale of the vehicle in writing and also after the sale of the vehicle to notify me of the amount the vehicle was sold. I never received any correspondence in this regard from this company.   XXXX   XXXX   has violated my consumer rights and continue to list inaccuracies on my credit report without providing any validation of the debt to me as the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  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. Furthermore, XXXX XXXX has reported to the credit agencies conflicting information stating under the Additional Information Section of my credit report that " Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$4500.00} ; '' however, they also are reporting that my balance is {$23000.00} of XX/XX/XXXX. I am confident that you will find the attachment as self evident of these facts. 

FURTHERMORE, UPON A FULL INVESTIGATION XXXX AGREED WITH MY COMPLAINT ON XX/XX/XXXX AND PROVIDED THE FOLLOWING RESPONSE ( SEE ATTACHMENT ) AND REMOVED XXXX XXXX FROM MY CREDIT REPORT. 
" Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. 
XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX  XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX. With XXXX, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. ''
Product: Checking or savings account

I submitted an online ACH transfer at Marcus by Goldman Sachs Bank of available funds to a linked and verified external account, which Marcus by Goldman Sachs Bank accepted. 

Then, Marcus by Goldman Sachs Bank called me the next day and told me that they were rejecting my transfer request without any reasonable explanation why. 

Then, Marcus by Goldman Sachs Bank transferred the funds anyway, but because they told me that they had rejected the transfer, I don't dare attempt to access those funds at the external bank. 

Based on this experience, I would strongly recommend that no one do business at or with Marcus by Goldman Sachs Bank. I certainly will not be doing so much longer, as soon as I can get my hands on my money.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a personal loan with SOFI. I have XXXX debit. I have high credit score making over XXXX a year SoFi denied my application because of Excessive debt obligations. I contacted SoFi they said its ur credit bureaus showed us this info. I have access to my XXXX credit bureaus none of them shows any debit at all and they all updated up to today. I do believe SoFi made decision based on my name which is XXXX XXXX name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries which i never authorized. I never authorized any hard inquiry since XXXX of last year XXXX. 
I never opened any XXXX XXXX XXXX account and it shows 2 collections on my credit report? I only had discover credit card and XXXX XXXX MasterCard and XXXX XXXX that's it. I am seeing a lot of collections and stuff financed which doesn't belong to me. I am victim of fraud. Someone have been using my identity and opening and financing credit cards without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear [ XXXX/Experian/XXXX  ], I am writing to dispute the information regarding the XXXX account ( Account Number : [ account number ] ) listed on my credit report. The account is reporting with a past due balance of {$89.00} and a payment status of " Late 120 Days, '' which is not accurate and does not reflect my actual payment history. 

As a consumer, it is my right to have accurate and complete information on my credit report, as stated under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines. The burden of verifying the accuracy of the information provided to the credit reporting agencies lies with the furnisher of that information. 

In light of this, I demand that you investigate the accuracy of this account information and take immediate action to correct any inaccuracies. I have attached copies of my bank statements and credit card statements, which clearly show that all payments were made on time and in full. 

The reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. It is also in violation of [ 15 US C 1681 section 604 A Section 2 ] [ 15 USC 1681 Section 602 ] [ 15 US code 5 1681b ]. Therefore, I am also requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report.

In accordance with the FCRA and CFPB guidelines, I expect your prompt response within 30 days of receipt of this letter.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX CFPB Codes : Bulletin 2013-1 Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act Section 1681s-2 ( a ) of the FCRA
Product: Mortgage

indiana housing and community development senXXXX Cross country mortgage XXXX on XX/XX/XXXX to date which is XX/XX/XXXX they still havent applied the money ive made several attempts to get this resolved and i keep calling every week and still no answer the customer service is rude beyond measures and very unknowledgeable about the business there speaking about. they always tell me a supervisor will call me back and they never do. i called Indiana Housing today and they gave me the info to file a complaint cause they say the money was sent electronically and CrossCountry recieved it and they had 31 days to apply the paymen this is now XX/XX/XXXX 4 months later i have numerous of reciepts from Indiana Homeowners where they sent the payment. Got a paper in the mail on XX/XX/XXXX stating my mortgage will go up by XXXX dollars because of deliquency and im not deliquent
Product: Checking or savings account

On XX/XX/21 two automated withdrawals went through to my account and were processing one was for {$14.00} and the other for {$5.00} this left my account in the negative around {$17.00} so I did an instant transfer from XXXX of {$19.00}. This transfer processed through before the two charges were finished processing and her I was charged two {$35.00} overdraft fees. My account is currently overdrawn the amount of overdraft fees. I called BoA to resolve this because it was clearly a system error but they refused citing the instant transfer may not have processed before the cut off time, I know I did because I checked my account until it had, they would not tell me the time that my transfer processed and refused to cancel these fees. We are in a pandemic, I am unemployed and yet I made sure there was money in my account to cover these charges and they unlawfully charged me these fees.
Product: Mortgage

DiTech is my loan servicer. I have been over the 15 day grace period and charged a late fee. When paying the full payment plus the late fee after the 15day grace period they provide zero options to pay the late fee or put notes for the overage to be applied to the late fee. They keep putting the overage on the escrow or principle balance instead of the applying to the late fee. They claim the process is to call in and have them re-apply to late fee after the payment is made on line. Even after calling them to verbally have the overage re-applied to the late fee they do not provide any confirmation number and they still don't re-apply the overage. This has happened on several occasions. If a mortgage company is to take online payments I find it concerning they do not offer the ability to pay a late fee, and when calling them, it is still not re-applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied for credit with XXXXXXXX XXXX. I was in XXXX XXXX in 2016. I would never qualify for credit. The only loans I have are for two federal student loans. I went to apply for a car loan, and they told me that I had a loan that was charged off. Again, I have never entered into any formal agreement with this bank. I demand this information be deleted immediately. I am also notifying the Colorado Attorney General 's office. This matter is causing me tremendous emotional grief and distress. 

Thank you for assisting me in this matter.
Product: Credit reporting or other personal consumer reports

I submitted a formal dispute to [ Experian/Equifax/TransUnion ] XXXX XX/XX/year> XXXX multiple inaccuracies on my credit report. This dispute included : Name Correction Address Update Derogatory Remarks Removal Illegal Debt Buying. 
Hard Inquiry Removal Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, the credit bureau is required to investigate and respond within 30 days. It has now been over 30 days, and [ XXXX XXXX has failed to respond or correct these errors, which is a violation of federal law.
Product: Mortgage

My wife lost her job during Covid and I asked for the Covid forbearance option. I have now filed bankruptcy and have tried numerous times to have my mortgage company amend or change any terms to continue to own my home, but they have now sold my loan multiple times and no one will respond. They are asking for me to pay the entire forbearance amount, with interest, all at once.
Product: Debt collection

My daughter has been going to preschool from more than an year in the XXXX XXXX of XXXX XXXX. we used to pay XXXX $ in cash to the school every month. My daughter started to get sick from XX/XX/2018 onwards due to some XXXX XXXXXXXX. we stopped her from going to school for almost 2 weeks. After that she got recovered a bit and then we started to send her to school. Again in next month she struggled with the same issue and we stopped the school for over a month. we asked School head ( a lady ) to stop the school for winter since she is not feeling well due to winter. But she convinced us telling that she has to come so that she will get some immunity. The situation continued she was running on antibiotics for over a month we are very frustrated and sad with her situation and then we changed the school sometime in XXXX. Until XXXX we paid all the fees and don't owe anything to the school. 

After this we started getting calls from her telling that we owe one month notice and has to pay one month school fees again. I told her and sent her email that this was happened. she threatened me that she will contact debt collection agency if we didn't pay. i said it is because of her we struggled a lot with my daughter 's health. 

Once i got a doubt and i went and i checked the conditions of the school in XXXX. I realized she is not following the XXXX rules and each teacher was given more than 10 children to take care of and the premises are also not clean. The bathrooms are not clean and kids will easily get sick in those conditions. The air conditioning is not clean and is full of dust which pumps it to the kids play area. 
I hope they realized it at least now. 

Now the debt collection agency come and tries to send a collection notice. They don't even know what happened and struggle we went through with the school environment. 
Now they opened a debt collection account on my name and it is now affecting my credit score. This is all happening because of a greedy and corrupt school head teacher.She thinks of school as a business and is playing with the health of many kids especially in winter. The kids does not even have good play area indoors to play during winter. She is still arrogant and uses unnecessary word in the phone call. 

The CFPB should have some enquiry done on this School. The school name is XXXX XXXX XXXX XXXX XXXX. First she don't provides invoices regarding the school fees. I don't know that until i move to a good school where they maintain accurate records. Whenever i pay the fees in cash she used to smile at me and take the money in cash with out hesitating. She does not follow the rules and also might be skimming a lot of money. 

Please beware these kind of schools and greedy school owners.
Product: Payday loan, title loan, or personal loan

Hello, on my credit report you have XXXX XXXX XXXX XXXX XXXX reporting on my account as an open account as of XX/XX/2022. This information is inaccurate & not factual the other 2 credit bureaus are not reporting this information. & by law 15 U.S. Code 1605 - Determination of finance charge & by law 15 U.S. Code 1666b - Timing of payments & by law 15 U.S. Code 1681s-2 - Responsibilities of furnishes of information to consumer reporting agencies These accounts must be removed & I request that you put a BLOCK on them after they are deleted. This account had been compromised as fraudulent a while ago. Please remove ASAP.
Product: Checking or savings account

I wrote a letter to put a authorized user on my account, and change my with a add pin number. XXXX XXXX XXXX was my added user. I paid property taxes on two new properties. they block both of my payments through chase. then they turned around a call my phone talking other family members about my payments. now i got a lot of people in my personal affairs. i think the bank should pay all my taxes to current. sense they are the one who did not pay my property tax payments. i never gave chase bank the authority to watch my bank accounts. i am the owner XXXX XXXX XXXX not chase bank. I want to transfer my money out of savings and put XXXX in my XXXX XXXX XXXX account at XXXX XXXX XXXX XXXX. i just do not want to go through this ever again with chase bank. Sense I can not pay a bill without calling my XXXX my new number. Know bank cant not take on someone's bank account like it is there money, this is why i would like to transfer my assets to another bank account. My address was updated to, and they stop that as well. I am XXXX XXXX XXXX now my full mane is XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Debt collection

I am submitting this complaint because I am being extremely affected by CALIFORNIA BUSINESS BUREAU INC, they are being completely unfair and I dont know how to g

et ahold on them but through this portal. I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of m
y life with all this situation.

I want to give CALIFORNIA BUSINESS BUREAU INC. The chance to solve this matter before any legal action is taken.

Account information : Acccount name : CALIFORNIA BUSINESS BUREAU INC Date Assigned : XX/XX/2016 Account Number : XXXX Original Balance : {$1700.00} Demand and remedy : Deletion account and waive the balance.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX hard inquiries pull without my authorization made on XX/XX/XXXX Capital one XXXXXXXX XXXX XXXX XXXXXXXX ( hotel and travel )
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a lease with XXXX and used their in house financing through XXXX XXXX XXXX. Upon the end of my lease term I decided to lease a new vehicle with the same company and equally went through their in house financing. My vehicle was paid of by the company themselves ( it was literally their vehicle ), the new lease was contracted, I put a down payment on the lease and made my first months payment and thought I was good. The same week I purchased the new vehicle I was receiving collection calls from their back office threatening reporting my late payment to my credit report. You can imagine I was confused because I was in a completely different vehicle and had already made a payment towards the new car. In a panic I went into the car dealership and spoke with the manager. I was told they can see in their system that everything is paid off and it just needs to process. I was told it take up to two weeks to process but no additional payments had to be made. Again, this was a duh for me because it makes no sense to be paying on a vehicle I no longer own. Not only was it in their possession but it was paid off and I was in a new car. XXXX and behold I receive an update on my credit report that after perfect history throughout the entire lease, they reported I did not make my last payment on time. I hopped on this immediately and have written all required information to XXXX. Not only will they not correct the issue but they are taking no responsibility for the negligence on their behalf. I spoke with multiple managers ( even for a second opinion ) and was consistently told it would be remedied. It has yet to be resolved and all Im getting is if you provide new information we will re open the investigation. What a poor investigation. What a poor process and what a poor experience. Now I am looking at a late payment staying on my report for 7 years because they refuse to remove this mark and own up to their mistake. Theres no reason I should have had to do so, but I would have even been willing to make an additional payment and have them reimburse me. Instead I was told otherwise.
Product: Credit card or prepaid card

My HSBC credit card had a fraudulent transaction, thus I closed my HSBC card. When I had my new card issued by HSBC, I paid off the remaining balance. However, my balance has always been very high even though my purchases were all small. When I looked through my online statement, I saw that HSBC sneaked in {$470.00} in balance stating a " transfer '' from my old account ( even though the balance from the old account was paid off at the time of closing ). Not only that, HSBC added a balance instead of a refund for one of the transactions refunded to me by the merchant ( the merchant refunded - {$82.00} but HSBC posted as " + {$82.00} '', to make my balance go higher ). When I called and disputed, it took a month for HSBC to refund me. However, they placed the credit to a closed account instead of transferring the credit to the new account. Then HSBC sent me a statement of TWO credit cards ( one is for the open credit card, and one is for the closed account with fraud ). 
In other words, HSBC intentionally transfer any fraudulent amount to the customer credit balance but dont tranfer any credit/refund. This bank is doing fraud and it needs to stop. 
New credit account : XXXX XXXX XXXX XXXX Closed accounts due to fraud but are still being billed : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX