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 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  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 within the 15-day grace period : My payment was made on time, which is within XXXX XXXX XXXX 15-day grace period. The payment was not late and should not have been reported as 30 days overdue. 
Clerical error by XXXX  XXXX XXXX : Despite making the payment on time, it was incorrectly recorded as late due to a clerical error by XXXX  XXXX XXXX. This error has caused inaccurate reporting to Experian. 
Evidence provided : I have attached bank statements and payment confirmations showing that the payment was made on time, well within the allowed grace period. This clearly demonstrates that no delinquency occurred. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Their are credit items listed on my credit report. This is a second request to have them removed. Thank you.
Product: Credit card or prepaid card

Someone stole my identity to open a credit card with Genesis FS card services. XXXX XXXX XXXX XXXX XXXX XXXX 
I received a notice in the mail RE : XXXX XXXX XXXX @ Account ending in XXXX. 
I have never owned or received a Milestone credit card. 
The letter mentioned having to pay {$49.00} anual fee and a monthly fee of {$12.00}. 
Please, I would appreciate an investigation into this matter. 

Sincerely XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I placed an order of several white dresses for my XXXX birthday white out party and paid a {$10.00} 2 day delivery fee. I did not receive the dresses till Sunday XX/XX/XXXX and requested a refund for my {$10.00} and Macy 's declined to provide me a refund. 
Additionally, a dress for {$39.00} was never received. I returned all the dresses that were ordered since I bought a new one on Saturday from another store. After returning the dresses and waiting for the XXXX statement, I was able to reconcile the purchases/returns. I called today XXXX and Macys customer service will not return my {$10.00} shipping fee or the {$39.00} dress that I never received. She stated that I have 30 days to file a complaint. In accordance with XXXX XXXX dispute time frames I have 60 days to file a dispute with my credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a cease & desist letter to XXXX XXXX XXXX on XX/XX/21 because I never gave them expressed written consent to contact me ( violation of 15 usc 1681 ( a ) ( 2 ) ) after receiving several letter via postal mail and email. The postal letters stopped but the harassing and threatening emails continued ( violation of the FDCPA ( 15 usc 1692 ( A ) ( D ) ( E ) ). No consent is fraud. I also demanded to rescind the entire transaction and was told no because it had to be done in the first 72 hours. Well pursuant to 15 usc 1635 the creditor is required to provide appropriate rescission forms for me ( the obligor ) to exercise my right to rescind. This was never mentioned to me nor was I provided any rescission forms. So the 3 business rule day is not applicable here. This is fraud and there is no statue of limitations on fraud.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a persistent issue I have encountered with the credit reporting Agency 's XXXX, XXXX, and Experian. 

Despite my efforts, a numerous amount of incorrect address continues to be listed on my credit report, negatively impacting my financial standing. I have contacted the credit bureau multiple times to address this matter, but unfortunately, the incorrect addresses remain unchanged. 

I have attached documentation supporting my attempts to rectify this issue, including correspondence with the credit bureau and proof of my correct address. I understand the importance of accurate credit reporting and the impact it has on one 's financial profile. I kindly request the Consumer Financial Protection Bureau 's intervention to facilitate the removal of the inaccurate address from my credit report. I appreciate your attention to this matter and thank you in advance for your assistance in resolving this issue promptly. If you require any additional information, please do not hesitate to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax since XX/XX/2017 to inform that multiple inquiries were showing on my credit that I am not aware of. I sent another certified letter explaining that the inquiries came back verified, so please submit proof of how this was verified. As of today 's date no inquiries have been removed from my report that I disputed.
Product: Vehicle loan or lease

Date of late payment : XX/XX/XXXX Amount : {$200.00} I have reached out to Credit Acceptance about my financial hardship of losing my job in XXXX of XXXX and they were not receptive to my request of giving an extension date on payment. I have been to the XXXX XXXX XXXX and have spent over two months in recovery all while trying to provide for my family. It has been a very hard situation for us not only involving my health but it is also extremely hard to get approved for anything from the bank now as well.
Product: Debt collection

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Product: Mortgage

Mortgage lender, XXXX XXXX, of Bank of Albuqurque, recently sent me an email stating he wants me for his new home improvement line of credit program, after he recently refinanced our home through the XXXX His assistant urged me to apply, and reluctantly I did, stating to her I would be turned down. She said no, I would not. I went ahead, and she called back and said I was turned down. So that burned me pretty good. And it was apparently mean-spirited. Or just incompetence.
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 and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX  XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX 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 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 ( 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: Mortgage

I was dealing with Royal United Mortgage. A woman by the name of XXXX XXXX leaned on me for about 3 weeks to have an estimate on my house, XXXX assured me that I would be on a fixed 4.25 % interest rate. After I spent {$430.00}. on an estimate ( she also lied about the cost ) ; they upped the interest rate to 5 + %.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hereby declare under the penalty of perjury, pursuant to 18 Pa. C.S . 4904, that the following statements are true and correct based upon my personal knowledge information and belief : 1. I am in receipt of report # XXXX generated by Transunion XXXX XXXXXXXX 

XXXX. I am aware of erroneous information being actively furnished by Transunion on my consumer profile. 

XXXXUpon receipt of report # XXXX dated XXXX, I conducted a thorough examination of my consumer file and have discovered several errors resulting in : defamation of character. 

XXXX. Transunion is willfully and intentionally violating my rights as a federally protected consumer. 

Transunion is willfully and intentionally causing financial harm and emotional distress by continuing to report this information. I am unable to extend my credit in good faith and it is hindering me from being able to obtain essential consumer goods as a result. 

XXXX. Transunion is actively, willfully and intentionally committing fraud. 

Please block and remove : Public Records : XXXX XXXX XXXX XXXX - cease and desist from reporting. 

XXXX XXXX XXXXXXXX - BLOCK AND REMOVE ; cease and desist from reporting. 

XXXX XXXXXXXX - BLOCK AND REMOVE; cease & desist from reporting. 

XXXX XXXX - BLOCK AND REMOVE; cease & desist from reporting.
Product: Debt collection

I do not have a contract with this Midland. I have never signed a contract with them and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company. I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau ( XXXX   ) and  they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.
Product: Credit reporting or other personal consumer reports

I am writing YET AGAIN to complain against Experian for their failure to conduct an adequate investigation into disputes I submitted on XX/XX/year>XXXX  and via this portal in XX/XX/year>. These disputes pertain to several accounts that are reporting inaccurately and violating my privacy rights under the Fair Credit Reporting Act ( FCRA ). 

Despite my providing detailed documentation and a clear explanation of the inaccuracies, Experians response has been wholly insufficient. They have not furnished any documentary evidence to substantiate their so-called " investigation. '' This lack of transparency and due diligence raises serious concerns about their compliance with federal regulations designed to protect consumers from credit reporting errors. 

I was reading the CFPB 's lawsuit against Experian, which highlights systemic issues with their handling of consumer disputes and violations of the FCRA. This pattern of negligence, as cited in your lawsuit, appears to mirror my own experience. Experians practices are not only frustrating but also detrimental to my financial well-being.

I demand that Experian immediately remove the disputed accounts from my credit report as they have failed to provide any verifiable evidence to justify their continued reporting. Additionally, I urge the CFPB to investigate Experians handling of my disputes and take appropriate enforcement action to ensure compliance with federal law.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Account # XXXX In accordance with the Fair Credit Reporting act 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
Product: Mortgage

I have been attempting to have my Morgauge taken out of forbearance since XX/XX/2021. I have filled out the paper work on numerous occasions and faxes it over in three separate occasions since XX/XX/XXXX. I have been placed on hold on numerous occasions and have attempted to reconcile the issues. Loan care is not returning my phone calls or updating me about required paperwork or if more paperwork is needed. They continue to extent my forbearance period without my permission and are becoming impossible to work with.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # XXXX from XXXXXXXX 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: Debt collection

I have collections that is not by the original owner and my information was sold
Product: Student loan

Upon finding out that my current employment as a XXXX would qualify me ( as of last XXXX ) for PSLF, I submitted my employer information document. I had made sure to check every box as I was a teacher beforeXX/XX/XXXX, and was very close to forgiveness. I had the proper qualifying loan, I had counted every payment, and I was sure that I had reached the qualifying 120 payments for eligibility for forgiveness. When I submitted my paperwork, FedLoan Servicing informed me that I did not have enough qualifying payments. I went to check their payment tracker and all my payments from XXXX were disqualified because they claim that an amount was not due for those billing periods. 

I looked into my paper records and found three examples of bills from those periods with amounts due. I made those payments on time, yet they were not recorded. My guess is that when my loans were transferred from XXXX XXXX XXXX to MyFedLoans, some mistake was made in the classification of these payments. 

I included in my complaint to the company the following documentation of their records and the paper bill that contradicts their records. 

XXXX XXXX XXXXXXXXXXXX XXXXsharing The documents clearly show that not only were there bills due for the dates in question, but that I had paid them. 

They reviewed the information and replied with the following : _____________________________________________________________________ Thank you for contacting FedLoan Servicing. Per your request we have completed our review of your eligible and qualifying payment counts in your pursuit of Public Service Loan Forgiveness ( PSLF ). We can confirm your payment count is accurate and now consider the matter closed.

You can review the details of your payment history, including all periods that we reviewed, by using self-service features at any time by signing into Account Access at MyFedLoan.org. You will find your payment count information under " Payments and Billing, PSLF Payment Tracking. '' You can also review all eligible repayment plans for PSLF and
TEPSLF, and other eligibility information at MyFedLoan.org/PSLF. 

We appreciate the opportunity to service your student loan account. 

_____________________________________________________________________ I called and the agent said " Not to worry because my loan would be forgiven eventually under the special XXXX payment waiver. '' They then closed the conversation. 

Although it may be true that the waiver will make me eligible for forgiveness, I would like my forgiveness now as my employment is soon to change, and I need to get this situation closed currently.

According to the terms of the PSLF as originally stated, my loans should be forgiven with the current number of payments as the first 39 payments of the 127 I have made have been misclassified as being ineligible payments when the documentation I've provided shows they are eligible. 

I need this situation resolved as soon as possible as my employment is set to change soon.
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 of privacy and confidentially under 15 USC 1681.

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. Code 1681s2 - ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


Account name : 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
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 
This is for all XXXX credit bureaus XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : XXXX XXXX XXXX XXXX  Collection XX/XX/XXXX Collection account. {$1800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} {$1800.00} XXXX XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : XXXXE - Collection XX/XX/XXXX Collection account. {$2100.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$2100.00} XX/XX/XXXX 0 % {$2100.00} {$2000.00} 1 Month XXXX XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Status Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debt Buyer XX/XX/XXXX Collection account. {$440.00} past due as of XX/XX/XXXX. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX