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

I am filing a formal dispute regarding incorrect information on my credit report provided by EXPERIAN. My credit report contains inaccurate late payment notations for the account XXXX with account number XXXX which do not accurately reflect my true payment history. 
Issue Details 1. Reporting Errors : According to my records, payments for this account were made on time and as agreed. However, these late payment notations have negatively affected my credit score and, consequently, my ability to obtain fair and equitable financial terms. 
2. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : The FCRA, specifically 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, requires that information in credit reports be accurate and complete. I have requested corrections to this inaccurate information without success. 
o Truth in Lending Act ( TILA ) : Under TILA, 15 U.S.C. 1637 ( b ), creditors must provide accurate and timely billing statements. The inaccuracy in reporting this account is a violation of this requirement. 
o Fair Credit Billing Act ( FCBA ) : According to the FCBA, 15 U.S.C. 1666 ( b ), creditors must adopt reasonable procedures to ensure that billing statements are sent at least 21 days before the due date. This requirement was not met in my case, contributing to the errors in my credit report. 
3. Previous Attempts to Resolve : I have made several attempts to resolve this issue directly with EXPERIAN by sending dispute letters and requesting corrections to this inaccurate information. To date, no effective action has been taken to correct the errors.
Product: Debt collection

To whom this may concern, Hope this finds you well and thank you for taking my inquiry. Unfortunately XXXX or XXXX made an error when reporting to Transworld Systems Inc. As highlighted in the attachements related to the vehicle rental, the rental record/account number is the same of # XXXX, however the vehicle I rented had plate number XXXX. 

In the correspondence by Transworld Systems Inc., the plate number is XXXX showing this a false debt or a debt belonging to someone else. Furthermore, the response from XXXX shows no toll transactions. 

Appreciate the assistance in resolving this matter and hope this provides clarification. 

Thank you and best regards
Product: Credit card

I consistently make sure payments on this account are punctual, preventing any overdue occurrences. I'm uncertain about the causes for the noted late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting

Im a XXXX struggling student that is trying to fix and rebuild my credit report. XXXX XXXX has an old closed account from over 7 years ago that has been closed XXXX XXXX, 2008 that should be taken off my credit report like most of my credit cards that are over 7 years old. Can you please have the courtesy of resolving this problem by removing this off my credit report or I will be contacting my lawyer and filing a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Apple Card account serviced by Goldman Sachs refuses to update and report my account balance accurately to the three credit bureaus, XXXX, XXXX and XXXX. I have paid my balance in full on all of my credit accounts because I am trying to purchase my first home. I have contacted Goldman Sachs numerous times to ask them to report my XXXX  balance in order to raise my credit score. They last reported my balance information to the bureaus in XX/XX/2022. At that time my balance was {$4000.00}. On XX/XX/2022 I paid my balance entirely leaving a balance of {$0.00} which they did not report in XXXX. As of XX/XX/2022, my balance is {$0.00}. On the 3 occasions I have contacted them they have given me the runaround and provided conflicting and confusing information. I want them to act in good faith with their customers as I have acted in good faith and adhered to the terms of my credit card agreement as a customer in good standing who has always paid my bills on time with them during the three years I have been a cardholder. I have informed them their inaccurate and untimely reporting has negatively impacted my ability to purchase my first home and obtain the best possible loan terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT No. XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXXXX/XX/XXXX ; Original Creditor : XXXX XXXX ) XXXX Balance : {$26000.00} ; XXXX XXXX Balance : {$4600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card

SYNCB, has continue to report outdated information to all three credit bureaus. XXXX accounts : Chevron, Lowes, Mervyns, Old Navy, Sams, & Walmart were closed for delinquency and enrolled in a hardship repayment plan XX/XX/XXXX but when I filed bankruptcy XX/XX/XXXX, SYNCB charged off the delinquent accounts XX/XX/XXXX. I continuously request removal of these accounts because they are outdated, but the ceditor continues to report the inaccurate, incomplete and unverifiable information.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 I applied for a Pool Installment Loan on the HFS Financial Website located at '' https : //www.hfsfinancial.net/ On the same time shortly after, I received a " conditional approval '' email letter stating that I was approved. 

I spoke with " Senior Loan Consultant '' XXXX XXXX on XX/XX/2020. XXXX 's tone was very rude and condescending. Apparently my credit score had decreased since the last time I had applied in XX/XX/2020. I was attempting to explain my situation to XXXX. He abruptly cut me off and the call ended. 

I attempted to look up HFS Financial NMLS # 's and I was able to find one regarding : '' Credit Services Business License '' but Installment Loans license is not active. This company is essentially a broker finding banks/credit unions to write installment loans and they are receiving a commission for doing so. 

XXXX also has no license that I could find in NMLS national registry. How can he be working doing loans and pre-screening without a proper license?
Product: Debt collection

XXXX XXXX XXXX XXXX was the original creditor for a pay day loan i had in XX/XX/XXXX, the new owner of this zombie debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SAINT XXXX, MO XXXX, re-aged this debt to XX/XX/XXXX. In an attempt to keep this debt alive and on my credit report.
Product: Prepaid card

Put money on card and now the card is not working and I am out of town
Product: Debt collection

I revived a letter from Gold Key stating that the debt was or will be removed from my credit report. 
Also you have not contacted XXXX to report the changes in my credit report, I would ask you to do so, XXXX XXXX XXXX
Product: Credit card or prepaid card

I just pay late one day and just once. I am going to call to remove my late fee and interest fee. But they do not help me. They have a strategy to remove the late fees once a year. But I don't know why they are not going to help me.
Product: Checking or savings account

In around XXXX, I had a checking account with Navy Federal Credit Union XXXX I was being charged overdraft fees without my consent. Im not sure if the amounts. I would like this information removed from all consumer reporting websites.
Product: Mortgage

I am a XXXX veteran and Federal employee who is getting ready to retire. As part of my retirement plan I had intended to move from XXXX to XXXX. After finding a house I submitted a mortgage application to Wells Fargo Bank XXXX the same bank that holds my current mortgage ). In short, Wells Fargo denied my application because I was " Unable to verify income '' upon retirement. Since it is now taking XXXX 6 to 8 months to complete retirement packages, all I had was the Estimate of Annuities that XXXX provides prior to retiring. Since I could not produce a income statement, and will not be able to do so for XXXX to 8 months, Wells Fargo has put me between a rock and a hard place. I have already sold my current residence, however I am now likely to lose the house I have a contract on in XXXX. I doubt I am the XXXX Federal retiree who 's plans included something for which they would need a loan to accomplish. Wells Fargo 's response was that this was part of the new rules implemented after the housing market crashed, however, I can not see its application for someone who will have a guaranteed income at retirement despite the governments processing of that retirement being 6 to 8 months behind.
Product: Credit reporting or other personal consumer reports

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX USC XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( XXXX XXXX CXXXXe XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX is the balance but original balance was XXXX They sent me a alert but report is still not correct, Experian has ensured me that the information has been certified correct and accurate. But that information still contains A disconnected non working telephone in which their is no new number at this time according to the recording when get when you call the number on the telephone that is on my credit file. Now according to the law everything must be accurate or it must be removed and they certified this as a reinvestigation. Not the mention they also certified that XXXX also that their information was accurate also but am not believing it. After what they did for the first one I cant believe anything they said. At this point I wan na know who and how they verified the information. Who do they talk to where did they get the information from, what was their source? Did just pull it out the air.
Product: Credit reporting or other personal consumer reports

I sent a dispute letter to all 3 credit bureaus. XXXX never responded even after the 30 days. Transunion sent a letter stating for me to call and verify that it was me who sent the letter and not a XXXX party company. I did that on XX/XX/2024. The lady who I spoke with told me that I would have to call back Monday and verify again because the department that I needed to verify with weren't in office. I feel that I have been Mishandled and treated unfairly due to the fact that its a XXXX hotline. Nowhere on the website did it say anything about being closed. XXXX asked for me to verify my Identity as well. I haven't heard anything back after sending in my proof of identity.
Product: Credit reporting or other personal consumer reports

Yes I want to file a complaint on Experian Credit reporting I have filed several disputes about the information that has been reported Is indeed inaccurate, by law they have to report accurate information on all three of my reports but have failed to do so, I have attached a copy of my report highlighting the inaccurate information so someone can hold them responsible, this is affecting my quality of life as a consumer and I hope something is done to fix all of the errors on my report
Product: Mortgage

I have made all of my mortgage payments and have the bank statements to prove it. However, XXXX XXXX XXXX XXXX ( Shellpointe Mortgage Servicing ) went forward w/foreclosure proceedings. I have supplied them ( in excess of at least 6 times ) with every piece of documentation to prove this. 
This began in XXXX, XXXX when they failed to notify me they were my new loan servicer. Subsequently, the payment went the previous servicer. They refused to contact the previous company to request the check ; thus I sent Shellpoint Mortgage Servicing ( XXXX XXXX. XXXX ) another mortgage payment to satisfy the monthly payment. I paid twice XX/XX/XXXX but they failed to properly credit me for the replacement payment stating it was simply an additional payment on the loan. I have been in litigation with them since XXXX when they went forward with foreclosure proceedings. Despite the legal battles I have continued to pay them monthly at least {$150.00} extra/month. They have continued to compile fraudulent fees taking my loan from {$230.00}, XXXX to {$370000.00}. XXXX. Ins. has participated in innumerable predatory lending practices violating at least 28 consumer/homeowner protection laws. 
I have kept meticulous records of payments, their misappropriation of funds, phone conversations/emails indicating their misrepresentation, false credit reporting, etc. My attorney says I have a very strong case, but the courts favor mortgage companies. I have spent thousands to fight this false and unfounded accusation and save my home. They are a large financial institution. They know if they continue to drag this out, I will not be able to financially support this fight. Thank you for your review of my situation.
Product: Debt collection

Caller stated that they were from Credit Corp and would not give a mailing address or their License number.
Product: Debt collection

THIS IS NOT A DUPLICATE COMPLAINT!!, STOP SAYING THIS IS A DUPLICATE. THIS MATTER WAS NOT RESOLVED!! There was not A RESPONSE IN 30 DAYS after XX/XX/2021, therefore this needs to be deleted. The account was not validated within 30 days of requesting validation. 
I have sent 2 correspondence letters to dispute the validity of the debit within the initial 30 day period ( the third letter was sent via certified mail to ensure delivery/signature confirmation ) requesting validation of debt ( I disputed the {$3500.00} debt that you are attempting to collect is unlawful and it violate the FDCPA. I do not owe {$3500.00} that's inaccurate ) however as of date I have received no response from this collection agency however they are still continuing to report inaccurate unverified information on my credit report.Yet, they continue to report negative information to the credit bureaus making it hard for me to maintain good credit.
Product: Checking or savings account

On XX/XX/XXXX I opened a bank account at suntrust. They decided to close my account with no valid reason I had XXXX dollars in it. And claimed it was fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act ( # XXXX XXXX CREDIT CARD ) has violated several of my rights. 

15 U.S.C 1681 SECTION 602 A Clearly states that i have the right to privacy.

15 U.S.C 1681 SECTION 602 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit card or prepaid card

I received an email from Bank of America stating that my credit card application has been approved. I did not apply for a credit card with Bank of America, or any bank for that matter. The card is specifically an XXXX  XXXX XXXX Credit Card. 
I also received an email from Bank of America asking me to verify my email address by clicking a link in the email. I did NOT click this link. I was not on any Bank of America websites before receiving these emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I found so you can help me to remove my inquiries from credit report.. ( For Victim of your inquiries issues ). Reason of inquiries I do have in my credit report it is for applying with average or fair credit for to get credit card to improve my credit and Credit Bureau requires more then 11 credit card is more better for improving credit score ( that is the reason I was applying for credit cards ).
Product: Credit card or prepaid card

Chase Bank XXXX XXXX in XXXX Utah : On XX/XX/XXXX or XX/XX/XXXX ( I can get the exact day ), the bank teller made a mistake when depositing a Chase Credit Card convenience check into my Chase Checking account. As a result, a single check was cashed twice and the check fees were applied twice. Chase quickly identified the problem but said they could do nothing to resolve it for 30 days. How can a bank be allowed to negatively impact the financial situation of a consumer once they have acknowledged and error. They made the mistake in 1 day, why can't they be held accountable to correct the problem in a day. 

I have spoken with the branch manager regarding this issue and she has not been able to correct the problem at Chase although she fully acknowledges the problem ( the branch manager name is  XXXX and her direct phone number is XXXX. I also left voicemail with her manager ( XXXX ) and spent 52 minutes on the phone with Chase Credit Card services. All of them indicated i'd have  to wait 30 days before they could correct their problem. In the meantime my credit has dropped 27 points and I can not qualify for optimal financing on a Condo loan I was in the process of submitting.

It would be wonderful if CFPB could hold these large banking organizations accountable for such poor behavior. 

Respectfully, XXXX XXXX
Product: Money transfer, virtual currency, or money service

A woman messaged me and said she wanted to use one of my photos for an art project and that she would pay me. I agreed and she got me in contact with her boss and he sent me XXXX, XXXX dollar, electronic checks through email to deposit online through my banking app. I did so and he said he needed XXXX back and so I sent him the XXXX that came through for XXXX of the checks, the other was in review still and was not available for me to access. Several days later the XXXX checks bounced and now XXXX - {$400.00} in my account. XXXX scared and I dont know what to do. XXXX XXXX wont let me dispute because i approved it. My bank wont either. So XXXX still overdraft. I was super scammed I feel so XXXX and helpless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not understand how my credit score can drop from XXXX to XXXX on XXXX and from XXXX to XXXX on Experian and XXXX knows what on XXXX ( because I can't find a historical graph on their website ). I have less debt than now, only 2 active accounts and I continue to pay the total debt down each month. The debt was much higher and I had more accounts with my score was higher. This makes absolutely no sense. I believe their algorithms need to be reexamined or human intervention needs to be applied. 

We're at the mercy of these credit report companies when it comes to these scores- it can affect our lively hood because employers consider it and it can also affect the purchase of a home. We have to pay for these XXXX scores, yet their calculations make absolutely no sense. I am trying my damndest to get this debt paid off yet my scores give no reflection of this. 

I feel this is just another scam on the middle class consumer. We're the little man with no power.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT HAS BEEN PREVIOUSLY REMOVED OFF MY CREDIT FILE DUE TO THE FACT THAT IT HAS BEEN REPORTING INACCURATE AND WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT COMPLETELY OFF MY CREDIT REPORT FOR IT HAS BEEN TARNISHING MY CREDIT FILE AND NAME.
Product: Credit card or prepaid card

In XX/XX/2019 I did not receive my billing statement because it was sent to the wrong address. 

When I became aware of this in XX/XX/2019, I called customer service and they agreed to remove the late fee - but only as a reduction in the total account balance. 

My normal payment is {$44.00} - they were requiring {$85.00} in order to bring my account current. 

This effectively doubled my payment and put me outside of my monthly household budget. It is wrong to require a payment of a late fee up front that they admit was due to an error on their part. 

Since I was unable to pay this erroneous fee, I have been hit with more late fees. I have continued to make my {$44.00} payment every month, however, the company will not consider my account current and the fees and minimum payment keeps growing. 

Please help.
Product: Debt collection

From XXXX XXXX to XXXX XXXX, XXXX XXXX XXXX XXXX phoned me four days in a row ( one call each day ) looking to collect the money I owe XXXX. The 4th time I told the caller that what they did is illegal. She responded by saying " I do n't know anything about that ''. I tell them that I am on public assistance.