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

Subject : Complaint Regarding Unlawful Reinstatement of Deleted Account and Payment Refusal by Experian and XXXX XXXX XXXX 

Dear Consumer, Financial Protection Bureau Representative, I am formally filing a complaint regarding Experians wrongful reinstatement of a previously deleted account onto my consumer credit report. After my request to delete this account under FCRA 605B ( 15 U.S.C. 1681c-2 ), Experian removed the account. However, due to a joint account with XXXX XXXX XXXX, the deleted account was flagged and reinstated, allowing XXXX XXXX to report XXXX late payments without my consent. No prior notification was provided regarding this change. 

Legal Definitions : Money : A medium of exchange authorized or adopted by a government as part of its currency. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Payment : The fulfillment of a promise, made in money or other valuable consideration. ( XXXX XXXX XXXX  ; U.C.C. 3-604 ) Instrument : A legal document, such as a contract or negotiable paper, presented as evidence. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Issue : I submitted a valid payment to XXXX XXXX XXXX using an instrument which was improperly rejected. Payments must be made in U.S. dollars and from a recognized depository institution in the United States. XXXX XXXX rejection of my payment is in violation of XXXX XXXX, and I assert that under House Joint Resolution XXXX of XXXX, my debt obligation is to be discharged, not necessarily paid in gold or traditional currency. 

Request for Documentation : To resolve this issue, I demand that XXXX XXXX XXXX provide : A copy of the original agreement with my wet-ink signature outlining my obligations. 
Documents showing the original payment records. 
A detailed explanation if my payment was rejected, as per UCC 3-603 ( b ). 

Terms of Tender : XXXX XXXX XXXX XXXX must provide a detailed explanation if the payment was deemed insufficient or erroneous, along with the original unaltered documents. 
XXXX. If original security documents are not returned, it will be presumed the instrument has been monetized. 
XXXX. If payment is rejected without a written explanation, I expect the debt to be discharged via the filing of a XXXX. 

Conclusion : Due to clear violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I demand : XXXX. The immediate removal of all inaccurate information from my credit report. 
XXXX. Payment of statutory damages for violations. 
XXXX. A written response with all supporting documentation. 
Failure to comply within 10 days will lead to : A federal court complaint for willful violations. 
Regulatory complaints to the CFPB, FTC, and the state attorney generals office. 
Reporting to the IRS for potential tax fraud. 
Seeking full damages. 
This is a final demand for compliance. 

Sincerely, XXXX XXXX XXXX. 
Without prejudice
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I opened a car loan in XX/XX/XXXX, in XX/XX/XXXX I sold a car to a dealer, the vehicle is paid in full, but in my credit report have a balance of {$26.00}, account in good standing, but lower my credit empirical.
Product: Debt collection

The constantly call Im not sure the dates its a lot. They call me by my first name my nickname and I told him now not to talk to me like that they dont know me to call me like that and then they tell me that theyre collecting at that and Ill tell them to stop calling me because sometimes before XXXX XXXX  and sometimes after XXXX XXXX  I told him to stop calling me. They tell me theyre gon na keep calling me. I keep hanging up block the number they call from a different number, Im XXXX XXXX XXXX and XXXX enough is enough
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached the notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.
Product: Mortgage

Due to becoming fully XXXX on XX/XX/XXXX, I had no income to sustain myself while waiting approximately XXXX years for a decision from XXXX. As a result, I became delinquent on my mortgage payments to Selene Finance. During this time, I utilized any available resources to attempt to stay current on my payments. 

After XXXX confirmed that I would begin receiving monthly benefits in XX/XX/XXXX, I requested a loan modification from XXXX XXXX. My expectation was to not only bring my mortgage current but also to secure reasonable adjustments to make my payments manageable, allowing me to remain in my home. At the time of the modification request, my mortgage was fixed at a 3 % interest rate for the 30 years duration of the loan. 

On XX/XX/XXXX, XXXX XXXX sent a notice outlining potential benefits of their XX/XX/XXXXXXXX, including : Reduced monthly payment Reduced interest rate A lower principal balance A " Fresh Start '' to bring the mortgage current I submitted all required documents for the XXXX XXXX and was approved. On XX/XX/XXXX, I received a letter detailing the terms of the modification. The letter stated that I had until XX/XX/XXXX, to accept the offer in writing. It also provided XXXX options to respond within 30 days : XXXX. Accept the modification offer as presented. 
XXXX. Submit a reasonable counteroffer with supporting documentation, sent via first-class certified mail. 
XXXX. Waive my rights and proceed to foreclosure. 

I chose to submit a counteroffer because none of the benefits outlined above were offered. Instead, the modification terms included : An increase in my interest rate from 3 % to 8 %. 
The addition of {$38000.00} ( the amount I was behind ) to my mortgage balance. 
Restarting my loan as a new XXXX term. 

These changes resulted in my monthly payment increasing from {$1800.00} to {$2700.00}, a dramatic increase that I could not afford. 

On XX/XX/XXXX, I submitted a counteroffer that met all requirements outlined in XXXX letter. However, XXXX different representatives informed me that I did not have the right to submit a counteroffer. I had to refer each representative back to XXXX letter dated XX/XX/XXXX, which clearly stated my right to do so. 

Subsequently, I was told my counteroffer was not received. I provided proof of timely mailing and was instructed to make the new mortgage payment while my counteroffer was reviewed. Despite complying, I received a letter from XXXX dated XX/XX/XXXX, stating no changes could be made to the modification, but that my counteroffer would nonetheless ( this was the wording on XXXX letter to me ) be submitted to the XXXX XXXX Department for review. To date, I have not received any updates regarding this matter. 

I am filing this complaint against XXXX XXXX for predatory lending practices and for failing to provide an affordable and reasonable modification to my mortgage, which is what they had presented to me.
Product: Debt collection

On XX/XX/2018, I moved out of XXXX XXXX XXXX XXXX XXXX in XXXX, KY due to my pending military XXXX. Before moving I talked with the Apartment Manager regarding my carpet and general cleaning cost and the total was {$300.00}. She stated that the payment had to be made by money order. I got the money order and paid the amount- no issues. A few weeks after I arrived in XXXX, I start receiving calls from unfamiliar number. I didn't answer the call at first but I later did and it was from IQ Data International. The person on the found stated I owed {$290.00} from unpaid debt from XXXX XXXX XXXX XXXX XXXX. I explained to the customer service rep, I paid the amount before I Ieft and that I was currently XXXX overseas. He stated that I needed to pay the amount or show proof I paid the debt. I was confused why I got the phone call so I called the apartment manager and she stated it was a problem with their system and they was going to work with IQ Data and get it fix. A few weeks goes by and I am still getting phone calls from IQ Data. On XX/XX/XXXX, I finally get a response back from the apartment complex and they stated it's nothing they can do to fixed the problem and I should contact IQ Data and try to resolve the matter myself. On XX/XX/XXXX, I sent IQ Data the email from the Apartment Manager that my debt was clear but I got no response. So on XX/XX/XXXX, I got several alerts from my credit bureaus stating I have a collections inquiry on my report from IQ Data. After seeing that negative inquiry on my credit report I eventually paid the {$290.00}. I spoke with a customer service rep from IQ Data and he said it will take 30-45 days to have the collections report removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pennsylvania XXXX ( XXXX ) XXXX Is unlawfully reporting information to credit bureau ( s ) ... 
I do not owe any money to their customer at anytime.
Product: Credit card or prepaid card

I opened a Best Buy Citi Visa card when I purchased a laptop to facilitate my daughter 's distance learning school curriculum in XX/XX/XXXX, in order to get 18 months ' same-as-cash financing. We planned to pay off the purchase ahead of schedule, so my husband and I began paying {$100.00} toward the balance of the card at the start of each month. The original balance on the card from the laptop purchase was {$1000.00}. Each payment was made well ahead of the billing due date on the XXXX of the month. 
The trouble started in XX/XX/XXXX, when our payment was counted as a second payment for XXXX, instead of as a payment for XXXX. Since their system did not recognize any payment having been made for XXXX, I was assessed a late fee of {$29.00}. Assuming it was an error, I called the company to complain ; they waived the late fee. Still not understanding that paying too early in the month was causing payments to be counted towards the previous month, I was assessed another {$29.00} late fee in XX/XX/XXXX because my XXXX payment was recognized as a second XXXX payment. Now recognizing the problem, I paid a second time in XXXX to make sure a payment was received late enough in that month to not be counted as a XXXX payment. This time, however, the company did not waive the late fee. 
Because of the late fee, when I paid off the exact amount of the purchase in XX/XX/XXXX, a {$29.00} balance remained on the account. Calls to the company requesting to waive the late fee were fruitless. I was kept on hold for unreasonable amounts of time, and no one ever explained to me why I should owe a late fee for payments made ahead of the due date each month. Citi steadfastly refused to waive the disputed balance. Meanwhile, I was being assessed additional late fees and interest on the disputed balance on my card. My credit score was damaged. Collectors began to harass me by mail and telephone. Finally, in XX/XX/XXXX, a representative from Citi explained to me that their terms and conditions held that payments made too early would not count toward that month, and, as such, would result in a late fee. I have been unable, as of yet, to find such language in the terms and conditions.
Product: Debt collection

I am writing to formally dispute the reporting of derogatory information related to Ally Financial on my consumer credit report. This information is inaccurate and must be removed based on the outcome of a class action lawsuit involving Ally Financial, in which a judgment was rendered addressing the companys reporting practices. 

The lawsuit, which highlighted significant violations including misinformation, unfair treatment, predatory lending practices, and breaches of the Uniform Commercial Code ( UCC ), concluded that any derogatory information regarding repossessions associated with Ally Financial must be removed from consumers credit reports. 

The judgment confirms that Ally Financial engaged in practices that resulted in : XXXX. Reporting misinformation to consumer credit bureaus. 
XXXX. Violations of XXXX standards governing fair treatment in repossession and lending processes. 
XXXX. Predatory lending practices that disproportionately harmed consumers. 

As such, any information reflecting negatively on my credit report related to Ally XXXX actions is both inaccurate and unfairly prejudicial. I respectfully request the immediate removal of this derogatory information in compliance with the lawsuits judgment and the Fair Credit I trust that this matter will be resolved promptly. Please provide written confirmation once the disputed information has been removed from my credit report. If you need further information, Thank you for your attention to this matter. I look forward to your timely response within the 30 days mandated by the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

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

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year> Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on XX/XX/year>, which falls within XXXX XXXX standard XXXX grace period. Therefore, the account should not have been reported as XXXX or 60 days late. 
Clerical error by XXXX : My payment, though made on time, was incorrectly recorded as late due to a clerical error by SYNCB/SAMS. This resulted in the inaccurate reporting of a XXXX and XXXX late payment on my account. 
Evidence provided : I have attached bank statements and payment confirmations showing that the payments were made on time, well within the grace period. This documentation proves that no late payment occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

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

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

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

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I have called numerous times and talked to several different customer service representatives inquiring about numerous re-occuring negative balances in both my checking and savings accounts. When I signed up for a savings I asked that they would do a transfer of {$250.00} from my automatic check deposits every two weeks the day they are posted to my savings. Every two weeks there is no {$250.00} deposit in my savings account so I am having to manually put it in. Then my account is popping up with a reoccurring negative balance of {$250.00} at least twice a month, and I'm being charged the daily negative balance fee on top of this. Plus interest according to what the lady just told me on the phone. She claimed that the {$250.00} is refunded the next day but I'm not seeing this in my account. I pulled up every bank statement since May and wrote down the month and dats in which my account was in a negative balance. On every occasion that I was finally at a positive balance was when I had a paycheck deposited and they took that money to make my account positive as well as having to borrow money from others to bring my account positive. They are also taking money from my savings account when I do put money in there to cover the negative in my checking account against my wishes. I added up every reoccurring negative amount since May and added it all up and it comes out to {$4400.00} there has been so many occasions as I told the lady that I make purchases and check my account and the money has been removed for that purchase, but then roughly a week sometimes more later that money will show up as pending and comes out and I am in a negative balance again which they charge me daily for not having money. I asked the lady in XXXX how much is required in the accounts and she said any amount. But then they are charging me? Ive went over statements with a few of my family members in case perhaps I was missing something and they said same thing it just is not making sense or adding up. I'm not getting the {$250.00} in my account. I'm out almost {$4500.00} to date and I'm very upset I'm a XXXX mother of XXXX XXXX I work full time and half my paychecks are going to the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the High Balance, last verified, closed date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 
As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. So How XXXX XXXX XXXXXXXX is there a balance on a charged off account? According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 
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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

I have attempted to satisfy my past due toll amounts with the XXXX  ( XXXX XXXX XXXX  ). While in communication with them, they informed me, Transworld Systems Inc was handling the collections. XXXX, stated they can not process the payment.

I proceeded to contact, Transworld Inc. At that time they informed me my balance totaled {$1300.00}. Of that amount {$170.00} was the " actual '' toll amount and {$1200.00} were " Processing '' fees.

As our discussion continued i asked Transworld if they " owned '' the debt. They informed me they do NOT own the debt and are just a collection agency.
Product: Credit reporting or other personal consumer reports

Two companies BB & T which is closed and XXXX XXXX  XXXX XXXX XXXX used XXXX XXXX before opening me a checking acct. and said they could not open it because of an old bb & t account that XXXX word on and I have no idea what they are talking about. I have pulled my credit report recently the past couple of years there is nothing on there at all about this and I do not owe them anything. Please help me fix this. I called XXXX XXXX and ask them to help me and they said it would take 30 days and they acted more like they were helping the banks more than customers. I really need to open a checking acct I have a lot of cash on me and need to put it up in an account asap. Thanks so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a recent report change from Experian that means The average age of your account is now 2 years 5 months I didnt open any account 2 years 5 months ago..! Please can investigate my SSN opened average 2 years 5 months ago, and let me know about your decision.
Product: Debt collection

FMS Collections threatened legal action against me for debt that I do not owe. I explained that I do not owe them debt, and they have made negative marks on my credit anyway. At no time did I sign any promise to pay or agree to pay any debt to them. I have no history of a connection to them for any service or purchase.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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.