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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by 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 : Payment Made in Full : The payment in question was made in full and on time. I have attached bank records that verify the date and amount of the payment. There was no delay from my end in processing the payment. 
Administrative Error : XXXX XXXX XXXX XXXX confirmed that a system error on their part led to a delay in posting the payment. This delay should not have been reported as late on my credit report, as it was beyond my control. 
Communication Confirmation : I was informed by the creditor in writing that no late payment would be reported due to their error. However, this was inaccurately reflected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

On my credit report there are incorrect addresses. I never lived at or did business or used any of these addresses. The incorrect addresses on my credit report are : a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The second incorrect address on my credit report is : XXXX XXXX XXXX XXXX XXXX XXXX 

None of these addresses below to me. So delete these addresses from my credit report immediately and update my credit report with the correct address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

First of all their are a lot of deficiencies in the reporting of this account. The date the account was opened is showing differently on each bureau. XXXX date opened is showing XXXX and XXXX and XXXX are showing XXXX. Also the last payment date is conflicting as well. XXXX is showing last payment date of XXXX, XXXX is showing XXXX and XXXX is showing XXXX. According to the Fair and Accurate Credit Transactions Act any inaccurate information reported on my credit report should be removed immediately. I do not owe a balance on this account and all of the above has been reported inaccurately. I requested to get this information on a balance owed in the middle of XX/XX/year> and the account came back verified on XXXX through XXXX and no update for the other XXXX bureaus. I requested these items through an electronic dispute and never received anything and I also called the creditor and had no success getting my issue resolved.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Over the course of the last 4 years, I have looked and my credit report and noticed several inaccuracies on this particular account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify for as accurate. 

XXXX XXXX ( XXXX ) thank you in advance. 
XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I received a call to my cell phone about my husband 's medical payment from XXXX that he had been trying to pay, but they either weren't available or called him back when he could not answer. Hence, why it was sent to collections. 

I was called by XXXX at Rocky Mountain Professional Solutions about a debt by my husband XXXX. However, the man did not know XXXX 's relationship to me, just that I was listed. Once I said the man is my husband, he proceeded to give out the debt, what date it was from, and other information. This man did not verify with me that I was his wife, other than taking my answer as truth. I could have been lying or he could have called an ex and so my husband 's personal medical information and other information was given to me, but a man who did not even know we had gotten married in XX/XX/XXXX until I told him. 

I am concerned that this man did not do his due diligence in making sure I was someone he was even allowed to talk about with this debt. Even the hospital when I called to confirm this was not paid could not tell me any information about the appointment, who it was with, or if he even owed money, as there is no release to discuss that information. 

I paid the bill online, as we are looking to buy a house and I didn't want it to affect our credit, but later realized that this man had no record I was his wife or that he was allowed to divulge that information to me.
Product: Credit reporting or other personal consumer reports

IVE DISPUTED THE INCORRECT REPORTING OF A DEBT THAT'S NOT MINE ON MY REPORT THEY STATED IT WAS VERIFIED. tHE COMPANY IS IMPACT XXXX XXXX. WHEN I TRIED TO DISPUTE AGAIN THEY STATED I HAD TO CALL AND IT WOULDN'T BE INVESTIGATED AGAIN AND SO I CALLED AND I WAS TOLD THAT TRANSUNION DID INVESTIGATE AND I ASKED THEM HOW COULD THEY REINVESTIGATE AND FINISH IT THE SAME DAY THEY STATED THAT THE REPORTING CREDITOR SENT THEM PROOF AND SO I ASKED THEM WHAT PROOF DID THEY HAVE AND I TOLD THEM I WANTED A COPY OF THE PROOF THEY HAVE. DUE TO I VE NEVER HAD A CONTRACT WITH THE COMPANY NOR HAVE ANY THING ATTACHED TO THE ADDRESS OR A BINDING AGREEMENT, TRANSUNION STATED THEY DONT INVESTIGATE ANYTHING THEY ASK THE DEBT COLLECTOR JUST FOR A NAME AND SOCIAL AND SO SINCE THAT MATCHED THEY WILL NOT INVESTIGATE NOR REMOVE IT FROM MY REPORT. 
ALSO TRANSUNION STATED THAT IMPACT XXXX XXXX TOLD THEM THAT THEY WERE THE ORIGINAL CREDITOR OF THE ACCOUNT ALSO WHICH IS FALSE BECAUSE THEY HAVE NO DOCUMENTATIONS AND NOTHING TO VERIFY
Product: Debt collection

There is someone with a similar name as mine but no middle name! Ive never lived in XXXX but have a over XXXX debt popping up on my excellent credit! I disputing this with XXXX and, you can get a rep on the phone & it remains this has to be illegal it is years old and, only a few years remaining on my credit I want it removed immediately it isnt my social security number or my correct full name also Ive never lived in XXXX or at this place! Please assign me a rep so I can go up against this company they need to penalize and punish the correct social and individual not me or my credit
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 a customer made a purchase in the amount of {$7400.00} for no explained reason Square merchant services has not transferred these funds into my business bank account.At the same time Square has not provided any credible reason as to why this money transfer has not transpired.Square requested documentation which was submitted on XXXX.Even after these documents were submitted Square has failed to move forward with the transfer and has also failed to communicate with me as to the reasoning for the delay of said funds transfer. I have made multiple attempts to contact Square to get an understanding of what's going on with the funds transfer and the closure of the account. I provide Square with access and Log-in information to my account to verify my account through their system.I believe this to be unusual practices with no justifiable reason for the holding of funds.
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 & confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15USC 1681 section 602 A. States I have rights to privacy 15USC 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15USC 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 7 years. 
15USC 1681s-z ( 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 reporting, credit repair services, or other personal consumer reports

My social security number was illegally stolen, used and traded by the following person : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I filed a complaint with the XXXX. My XXXX Complaint # is XXXX. The following accounts need to be deleted from my credit profile immediately. 

2 accounts were fraudulently opened in my name. 
1 ) XXXX XXXX XXXX - Limit {$700.00} Opened : XX/XX/XXXX 2 ) XXXX  XXXX Limit {$300.00} Opened : XX/XX/XXXX
Product: Checking or savings account

I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX i disputed a closed collection case with a past due balance. The account was open in XXXX in which it should be deleted due to new jersey statute of limitations.

n I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is listed as, having a BALANCE of {$810.00}. 
This is a violation of the FCRA and is in violation of requisite Compliant reporting standards. According to the Fair credit Reporting Act I have the right to a completely accurate credit report,
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian pertaining to an account on my consumer report.The account has collection listed date opened that is incorrect. Experian did not provide me with the method in which they verified the account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights as a consumer are being violated with this inaccurate information. I have the right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance! The one thing I won't tolerate is negative information. It doesnt matter if it's certified or not, what matters to me are the facts and truths of anything that may be going on with your company and the data you have concerning my credit profile.The credit report I received is not accurate which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.Here 's my challenge for you : Make a document that shows all of the evidence for each claim and send it to me. It should be verified, complete and true! The XXXX CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. I'm unsure if the reporting process was done correctly or whether it's in proper format, so we can't say that your claims are accurate either way. The following claims are controversial and have not been independently verified as true.Please remove any false accounts from my credit report. I am requesting that you take care of this as soon as possible so it does not affect me financially in the future. My credit report is my life. I want only factually accurate, verified and compliant data documented on it!
Product: Credit card or prepaid card

I've been a Capital One customer for about 10 years with an excellent credit score, and balance under 1k, on a personal charge acct. For at least the last 5 years I've been sent electronic bills and make online payments through their website. 

Recently my cell contract ended, I changed cell carriers, went on a family plan and wasn't able to port my number. While updating all my accounts, I tried to log onto Cap One but they just started 2SV via cell. ( first time for me anyway ) Since the old phone was deactivated, I couldn't receive the text and couldn't log on to make the update, view my bill or make a payment. 

I called their CS dept ( XX/XX/XXXX ) to notify them of the new number and was supposedly sent a code via text, to my new phone. However it never came through and after 3 minutes the overseas rep sent my call to the fraud dept! I tried to explain the situation and was told after being on the call 45 minutes they couldn't verify I was the owner of the phone nor the number was legitimate. They would not say how they go about this " verification '' I did tell them my credit reports are locked but they said they didn't use those ... 

I asked about an alternate method of receiving the code ( like the email I've used with them for years ) and was told there is NO other way. They then told me I MUST send by USPS, a state ID with photo or passport to prove my identity, but I'm XXXX and do n't drive or travel! ( Even I9 's have other acceptable forms of ID! ) Locked out of my Cap One account and unable to make a payment, I submitted a trouble ticket to my carrier XXXX XXXX to verify my new phone/service was set up correctly. After an hour of troubleshooting it was confirmed, XXXX devices and my device accept both MMS and SMS texts and the problem was likely a Cap One restriction. 

I then called Cap one again ( XX/XX/XXXX ) got the same problem and the same runaround. The real issue, Cap one recently enacted a " premium short code '' 2SV that will not send the 5 digit auth codes they REQUIRE for log onto their website, to MVNO carriers ' phones. ( MVNO carriers are non-contract subscription phones that use XXXX, XXXX, and XXXX XXXX networks ) Some MVNO carriers include XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and the Gov subsidized phone carriers. The MVNO carrier customer base has been primarily made up of those at the lower end of the socioeconomic status. Coincidence? Is this why now I have to jump through additional hoops to overcome new barriers to utilize my longstanding account? All because I opted out of an expensive cell contract? Is this Red Lining 2020? 

This is discrimination on 2 fronts for me, red lined by socioeconomic bias inappropriately attributed to my cell provider and I'm XXXX/do n't drive/travel. I can imagine that statistically those that are XXXX or at a lower SES are might be less likely to hold a passport and what, maybe unworthy of a Cap One account? They certainly expect their payment, now by check to be on time, even though I won't get my first paper bill for 2 billing cycles!
Product: Mortgage

I am seeking assistance as I feel I am being taken advantage of by my current mortgage company. In 2019, my husband and I experienced a financial hardship as a result of our daughter needing XXXX XXXX XXXX. We were behind on mortgage payments as a result of medical expenses. I requested a loan modification through Selene Finance. Their modification ended up being more than my current mortgage payment which I could not afford. In XXXX of 2019 I took out money from my XXXX to pay the full amount that I owed Selene and to get us up to date. When they recieved that payment, they told me it was not enough to bring me up to date, and I owed them XXXX additional payments. In XXXX, I took out more money and paid them a lump sum again. The following month I sent my mortgage payment early so that I would continue to be up to date. Mysteriously, they did not receive my payment. When I called them to inquire about it, they told me it must have been lost in the mail. Their representative told me to contact my financial institution and put a stop on the check ( which I did ). The same day I went on their website and paid my monthly payment. Amazingly the following day they happened to find the check that was lost and they told me to stop payment on, and they attempted to cash it which resulted in a bunch of fees for me as well as now being recorded as another missed payment. As a result, I can never get up to date with this company. In XXXX of that year, they restricted my use of making payments online so I am no longer able to do that. In addition, the company never pays my property taxes on time, or if they do it is not for the full amount. Recently my mortgage payment has gone up by several hundred dollars and I am not sure why as the company is constantly charging me what they refer to as advanced fees. Also, during the month of XXXX I sent them my monthly payment which they returned because I did not add in their additional fees. I sent them another check for the entire amount which was returned to me again stating that I must now submit all payment via certified check. This company makes it impossible for people who were in a bad financial situation to get caught up and be up to date on their mortgage payments. I feel as if the company is designed this way. To constantly keep you in debt. As a result, I have terrible credit and can not even switch to a different mortgage company as a result.
Product: Mortgage

I received an annual escrow account statement indicating of yet another shortage on my escrow account with a shortage amount of {$7200.00}. This is not the first escrow shortage on my account in the span of two years of our stay in the property prior entering the loan. The first escrow shortage was caused by an error on Ditech 's side which they admitted wherein Ditech was paying a different parcel number/property with my escrow account that resulted to having my property put on tax lien and my escrow account into a negative ( for reference I have my initial CFPB complaint from last year Case number : XXXX ). Ditech settled it by disbursing a check to pay for the delinquent property taxes and taking my property off tax lien, I thought all is good after that but I was shocked when I saw a {$7200.00} shortage on my account again this year. Now my question is what happened to my starting escrow amount/buffer ( please see attached document ) after the initial error occurred? To figure out what happened I tried requesting for an escrow analysis from XXXX since my online account only shows an escrow analysis for XXXX and XXXX but the customer service agent ( XXXX ) resisted to provide, in which I don't understand because I started my loan back in XXXX. Please help cause this is causing so much stress on our family, I tried settling this with Ditech by phone in multiple occasions but none of those interactions was helpful in fact each of the customer service agents I have talked to was just adding confusion into the mix and leading me to believe that I have entered the loan with a negative balance on my escrow but can not provide proof, if there are other documents needed please let me know.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 
Account name : XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to get my son a new vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting actXXXX XXXX XXXX  # XXXX 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
Product: Credit reporting or other personal consumer reports

i was affected by the XXXX data breach and had my identity stolen please close accounts and remove all comments