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

XX/XX/XXXXXXXX  RE : Inaccurate Late Payment Reporting on XXXXXXXX XXXX XXXXXXXX Account Account Number : XXXX Dear CFPB, I am writing to formally dispute the reporting of inaccurate late payments on my credit report for the XXXX XXXX XXXXXXXX account. Despite submitting multiple requests for correction through letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the discrepancies remain unresolved. This lack of resolution directly violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), causing undue harm to my creditworthiness and financial stability. 
FCRA Violations : 15 U.S.C. 1681i : Credit reporting agencies are obligated to ensure that consumer files are accurate and up-to-date. The reported late payment entries for XXXX ( XX/XX/XXXX ) and Experian ( XX/XX/XXXX ) have not been verified or corrected, despite clear evidence submitted in my previous disputes. 
15 U.S.C. 1681b : Mandates the accurate use and reporting of consumer information. The erroneous late payment reporting demonstrates a failure to comply with this requirement.

TILA Violations : 15 U.S.C. 1666b : Requires creditors to provide periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests non-compliance with this statutory obligation. 
Consequences of Inaccurate Reporting : These reporting errors have adversely affected my credit score and financial reputation, impacting my ability to secure credit on favorable terms. Additionally, the persistence of these inaccuracies despite multiple correction requests has caused significant stress and financial hardship. 
Actions Requested : I request that your office : Immediately remove the inaccurate late payment notations from my credit reports with XXXX, Experian, and XXXX. 
Provide written confirmation of the corrections within 30 days from the date of this letter. 
Ensure all future reporting related to this account is accurate and complies with federal laws. 
Next Steps if Unresolved : If this matter is not resolved promptly, I am prepared to take further action, including : Filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and relevant state agencies. 
Consulting legal counsel to address the violations of federal laws and the resulting damages. 
Publicly sharing my experience to raise awareness about the lack of accountability in credit reporting practices. 
I trust that you will treat this matter with the urgency and diligence it deserves to ensure compliance with federal regulations and to rectify the harm caused. 
Thank you for your immediate attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed inaccuracies on your Equifax reports on your mobile app, XXXX. One report states 30 days late in XXXX, and the other states 60 days. Your company has violated the FCRA LAWS list below. Your company is in clear violation of the law. Under 15 USC 1681B- permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

THE FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( I ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ), the term consumer reportdoes not include- ( A ) Subject to section 1681s-3 of this title, any- ( I ) report containing information solely to transactions or experiences between the consumer and the person making the report ;
Product: Credit card or prepaid card

XX/XX/XXXX USAA LETTER FRAUD CLAIM INVESTIGATION RESULTS. Claim # XXXX card end XXXX XXXX XXXX   date Purchased XX/XX/XXXX {$120.00} XXXX XXXX Credits {$120.00} Applied. XX/XX/XXXX No temporary credits ( the credit we deposited at the beginning of the investigation have been reversed ) XX/XX/XXXX USAA LETTER FRAUD CLAIM INVESTIGATION RESULTS Claim # XXXX card end XXXX XXXX Purchased on XX/XX/XXXX. XXXX Credits Applied XX/XX/XXXX {$210.00} ( the credits we deposited at the beginning of the investigation have been reversed ) XXXX Credits {$210.00} XXXX recieved XX/XX/XXXX BOTH paid By Merchants before statement closed XX/XX/XXXX They were returns & only on card few days USAA LETTER XX/XX/XXXX CREDIT CARD FRAUD CLAIM Claim date XX/XX/XXXX card end XXXX ( we previously issued temporary credits to your account in the amount if {$470.00} The temporary credits have been made permanet ) attatched is statement of XX/XX/XXXX I have called 24 times since these XX/XX/XXXX Letters Asking WHAT DATE DID THE USAA CREDITS APPLY? NONE WILL ANSWER There are No Temporary credits There are No Permanet credits Applied at the beginning of the investigation of XX/XX/XXXX, 23, Reps tell me I have to believe them I got the credits MY STATEMENT DOES NOT SHOW AND TWO LETTERS ARE NOT EVEN FRAUD ONLY ON CARD A FEW DAYS BEFORE MERCHANT CREDITED This totals {$810.00} worth of credits I NEVER RECIEVED. THEY ARE NOT ON MY STATEMENT
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I Received a notice via email from the Federal Trade Commission that I am to receive a refund of {$38.00} from a Class Action Lawsuit against XXXX XXXX. The payment was to be made by check or through PayPal. Since I had been a member of PayPal for about three years and had used the app without any problems in the past I chose to receive the funds through Pay Pal. On XX/XX/XXXX when the funds were released to be paid, I contacted PayPal to receive my funds. The request was accepted at first, and then later denied. I contacted PayPal Customer Service via telephone. I spoke to a representative who made a update to my account telephone number. I was then forwarded to another rep, but there was so much static and noise on the line and his accent was so thick I could not understand anything he was saying. I stated that I could not understand him and will call back. When I did call back I got a different rep and the line was clear. He told me that he could not tell why I could not receive my funds. After the phone call he sent me an email that stated I had to get a court ordered subpoena, or hire a lawyer to access my account information. I later received emails stating that I can no longer do business with PayPal, and that they will hold my funds for 180 days without explanation. After the 180 day period of time I should receive an email explaining what I need to do to get my funds. Their policy states that funds not picked up in 30 days will no longer be available. To add insult to injury, out of the {$38.00} there is only {$38.00} available now because they are charging transaction fees for transactions that never took place. PayPal will provide no information on my account, or why they are taking the steps they are taking to deny any information. I believe that the policies of PayPal are unfair to customers and ask that they be investigated.
Product: Debt collection

Tower Loan LLC is calling me twice a day, XXXX. They are also calling all my extended family twice a day as well if I do not answer. This also includes my minor Daughter. I informed them, that I am currently going through a hardship. But they continue to call and demand payment. They have, verbally, threatened me with garnishment, and a lean on my house, also with mail. I have asked them to stop calling my extended family, especially my daughter. Tower Loan LLC then informed me they would continue calling my extended Family, twice a day, even my daughter. They said it is Tower Loan 's policy, so they will continue to do that. Tower Loan said I put them down as references, I did not. I am a XXXX XXXX, and this is causing me undue stress and issues, while I am going through and dealing with my hardship.
Product: Mortgage

[ Case number : XXXXHi! This is my second time contacting you. I had written a complaint about my mortgage company lack of help with selling my home on a short sale. I have had a qualified buyer for 11 months. After my complaint to you I heard from them immediately and it seemed they were on top of it calling me every couple days. Now it has been 3 weeks and no word. They are not returning my realtors phone calls or e mails asking where things are at. Not sure where to go from here?
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry was made by XXXX XXXX XXXX on XX/XX/2018. I do not recognize this inquiry and it should have been removed from my TransUnion consumer report. I contacted the inquirer but they have not remove the inquiry from my consumer file yet. I also contacted TransUnion about it and has not yet remove the inquiry. I contacted them months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit reporting agency continues to furnish Previously Disputed US Department of Education accounts # s XXXX & XXXX Account is horribly inaccurate and unvalidated. Accounts are not open or being paid
Product: Debt collection

For the first time I received a mortgage statement from Rushmore Loan Management with no arrears after I was forced to file a Chapter XXXX  foreclosure that was scheduled for an auction on XX/XX/2020. I received a statement 4 days later. 
The XXXX XXXX Circuit Court allowed a foreclosure to happen without a mortgage servicer or lender violating the federal and state of Maryland foreclosure process. 
Rushmore did none of the requirements below. 
XXXX No billing *No notice of intent to foreclose * No order to docket for foreclosure * No Mediation
Product: Debt collection

Today I answered a call from a local telephone number. The man identified himself as XXXX ( without a company name ), and advised me my call could be recorded. He then asked me to verify personal information over the phone in order to discuss a " debt '' which he would not disclose the creditor information. I refused to acknowledge or verify any personal information and asked him to kindly send any pertaining documents to the address he claimed to have on file. He became extremely aggressive and told me that he had my entire social security number in front of him. I politely asked him not to disclose personal information to me since I would not verify I was the person they were calling for. He kept me on the phone for several minutes with a threatening demeanor trying to get me to verify my information, when I continued to decline he indicated that the matter could be settled in court without my cooperation. I asked him the name of his company and he replied " Dynamic Recovery Solutions '', I again asked him to send the information on the supposed debt to the home address on file and he snapped that they already had and I was " ignoring '' them. He asked me for an email address to send the information to and I again refused. He accused me of being " counterproductive ''. I told him I was following the advice of my attorney and not releasing or acknowledging personal facts over the phone and thanked him and told him to have a nice day. I checked my credit report and I do not have a collections account with this company. I believe they were trying to scam me based off an old debt that has either been settled or removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was shopping to refinance my mortgage. I applied to one company and was unaware that the company sent my information to other companies. Each company pulled my credit report and in turn, I have 13 hard inquiries on my XXXX  report and 10 on my Equifax. I have repeatedly sent certified letters, disputed online and made phone calls concerning this and nothing has been done. I am in the process of opening a business and this situation is causing denials for credit to fund my business. 

Earlier in XXXX, I was shopping as well for a refinance. On XX/XX/XXXX and XXXX, XXXX, these are showing as two separate inquiries as well and the two years have passed to fall off. They still remain on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX Account Number : XXXX ; XXXX  XXXX  Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account XXXX : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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

I have sent disputes to XXXX regarding this collection on my credit report from XXXX XXXX XXXX ( XXXX ) this account has not been updated since XX/XX/XXXX on XXXX and XX/XX/XXXX on Experian and XX/XX/XXXX on XXXX so it has not been accurately validated like XXXX and Experian says it was, I am questioning the validity of this account and I want it removed from all 3 credit bureaus as they are both displaying inaccurate information Also I sent in validation of late payments on this account listed XXXX XXXX XXXX and XXXX on the other account, all listed under account number XXXX stating that I was late 120 days. This info is inaccurate and I want proof sent of the validity of this account, it is inaccurate and needs to be removed from all 3 credit bureaus as well as it is listed under two different creditor names, this information is inaccurate and the account shoudl be removed from all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Somee how I recived a amazon chase credit card, the day I got it i cut it up, then I statred gettting letter from Cahse and threw them away because I nevr used the card.

i get a call saY i OWED THEM XXXX BUCKS FOR THE PLEASURE OF HAVING A CARD i DID NOT WANT NOR DID i ASK FOR..

Today I saw my credit scre go down 8 points becuae I didn't pay there extrtion fees..

nobody at chase can even tell how or way I got the card or if I ever used it or for what.

i cut them a check to ty and preserve my credit ratings..

Help how can they treat people like this!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM NOT A LAWYER I AM XXXX XXXX XXXX, A NATURAL PERSON AND A FEDERALLY PROTECTED CONSUMER THAT KNOWS THEIR RIGHTS! Experian has violated my consumer rights! They refuse to respond to any of my letters, my complaints on here, and they won't look into the companies I disputed on my consumer report ( They close the dispute immediately EVERYTIME ) I Have IDTheft reports on these companies and they still refuse to delete them or PROPERLY look into these companies. Their excuse is stating that I am a lawyer which I'm not! they are basically calling me dumb because I know my rights which is not right at all! They're discriminating against my character. They have violated SOOOOOOO MANY LAWS! I, XXXX XXXX XXXX Give my consent ( for the 4th time ) For Experian to respond to this complaint.
Product: Credit reporting or other personal consumer reports

Ive sent multiple letters & disputes to Experian to correct my credit report as they are still reporting inaccurate information from creditors on my report. They refuse to conduct a proper investigation & provide me with their methodology. Ive disputed items with letters directly from creditors to assist me however Experian refuses to take in account or conduct a proper investigation. I have been a victim of identity theft & they will not help me.
Product: Vehicle loan or lease

Santander quoted me a payoff. They over estimated the amount. I received my title but then I received a debit card in the mail with the {$12.00} credit that was overpaid. The debt card comes with the agreement that there is a $ 3 monthly fee. In order to call them to ask a questions regarding this account, you are printed to activate or hang up. If you activate then you are bound by the new debt agreement and I dont want to be. Also, they list a phone number for the consumer protection bureau of ( XXXX ) XXXX but that is a non working number. I would just want a check sent in the mail and not a debit card. If the debit card was able to have cash taken out of an atm then it would be fine but it says you can only make a purchase with that. Its not my problem that I over paid. I paid the proper amount and now they limit the amount of options I have to reclaim the money they owe me? Thats not fair.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Check out XXXXfor detailed descriptions on how GE Bank Capital loans is ripping of people with a loan scam. 
A " loan officer '' called me from an unknown line about every XXXX minutes throughout the day for XXXX days. when he realized I was not going to answer he called and left his name and phone number ( XXXX XXXX, XXXX XXXX So I called it. An Irritated person answered and he plainly said take out a XXXX loan for {$5000.00} and give us our money or I would regret it. I said that I do n't need a loan and hung up. He had a XXXX accent, and has not called since.
Product: Credit card or prepaid card

On XX/XX/XXXX of this year I was online shopping. I came upon a website offering what I had googled. The item I was looking for was a cuckoo clock. I wanted it. I saw the XXXX link and felt a sense of security. I concluded the transaction through XXXX in the amount of {$99.00}. When my XXXX receipt came in an email I saw the recipients name and was immediately concerned. I didnt believe that a XXXX XXXX  clock was coming from what appeared to be an XXXX entity. I let a few days go by and contacted the website via drop down box inquiring as to my order. Usually an email will come to me in a day or two as to the shipping situation/status. But nothing had been received. When the website didnt answer my query in timely manner, I contacted XXXX alerting them to a potential problem. It reached the were reviewing your case at XXXX where this status remained for several days. When I tried to chat with someone at XXXX I couldnt get anything beyond AI. I left a terse message in the chat box asking for compliance and received no answer. It was then I moved on to the actual source of the funds paid out - Capital One. Ultimately, Capital One has decided to abandon me as well even though the multiple documents I sent them through their secure link clearly show fraud. These documents will be uploaded for your review. There are more documents and theyve been submitted to Capital One but Ive included what I feel are the most important. Ive answered everything that Capital One has asked of me. Ive even included a sworn statement. 

It all comes down the unique tracking number. It can not be both a pair of socks valued at {$10.00} and a cuckoo clock valued at {$99.00} And when I tried to impress this upon Capital One - that you couldnt get a cuckoo clock into the small padded envelope, it fell on deaf ears. And when I asked what my ( now XXXX opponent had offered as evidence or sworn testimony, I received the shipping log of the unique alphanumeric tracking number only.
Product: Mortgage

We are working with Wells Fargo on a police and fire ( PFRS mortgage ). The mortgage broker, XXXX XXXX, XXXX Mortgage Consultant - XXXX ID XXXX, in charge of our mortgage process failed us miserably. She was n't returning phone calls, emails and then never sent the loan confirmation to our lawyer. In addition, she was n't communicating with her own underwriters. The underwriters could n't even contact her. She was n't returning their emails or phone calls. They could n't find documents that she apparently said she had sent. She chose not to step up and apologize but rather now has been dragging her feet even more. We have a closing date for XXXX XXXX. We are unsure now that we will be able to close. Very frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account being reported by Equifax in question is XXXX XXXX XXXX XXXX in the amount of {$410.00}. On XX/XX/2019, I paid this charge off in one full payment of {$410.00} over the phone with the collections department of the original creditor ( XXXX XXXX  XXXX XXXX ).  On XXXX-2019, this account on my credit report had been updated to paid charge off ( $ 411-> {$0.00} ). On XXXX-2019, the balance on this account had been updated and was increased by {$410.00}. On my last updated Equifax credit report of XXXX/2019, the payment status for this account reports as charge off with a balance of {$410.00}.
Product: Credit reporting 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 FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. 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 rebelliousnessXXXX 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

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please remove these items right away! 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave any written consent to any reporting agencys to report anything NEGATIVE on MY behalf on MY consumers report.
Product: Debt collection

Repeated calls daily from different numbers. I do not know this company and I do not owe any debt relative to this company