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

Dear CFPB, I am writing to file a formal complaint against Experian for severe inaccuracies in my credit reporting, which have caused significant harm to my financial well-being. These actions have also come shortly after I filed prior complaints against Experian, making me suspect retaliation. This situation has disrupted my mortgage application process, inflicted financial harm, and caused emotional distress, for which I demand immediate restitution and a full investigation. 
Background Recently, Experian inaccurately reported that my XXXX XXXX XXXX XXXX account, which has a {$2000.00} credit limit, was closed. This false report caused my credit score to drop by nearly 40 points, directly halting my mortgage application process. This decrease in my credit score has resulted in financial losses, including delays in securing a mortgage, potential increased interest rates, and missed opportunities to purchase a property. The financial, emotional, and reputational harm caused by Experians negligence and potential retaliation are unacceptable. 
Evidence and Legal Violations 1. Timing Suggests Retaliation - I filed recent complaints against Experian due to prior issues with their handling of my credit report. Shortly thereafter, Experian reported false and damaging information about my XXXX XXXX account. 
- The suspicious timing of this action leads me to believe that Experian acted in bad faith, violating consumer protection laws. 
2. Negligence in Reporting Accuracy - Experian failed to uphold their obligations under the Fair Credit Reporting Act ( FCRA ), specifically : - Section 607 ( b ) : The duty to maintain maximum possible accuracy in consumer reports. 
- Section 611 ( a ) : The duty to investigate disputes thoroughly and correct inaccuracies promptly. 
- Attached to this letter are documents proving that my XXXX XXXX account was in good standing and not closed. 
3. Failure to Mitigate Harm - Despite Experians errors, they have made no effort to remedy the harm caused. Their failure to respond appropriately has exacerbated my financial losses and emotional distress.
Product: Debt collection

These I assume were resolved once before, Yet they were transferred to YET another company that is threatening my credit history. These assumed debts are are over 15 years old, Our medical insurance refused to pay, resulted in my termination of employment from same insured job and almost my life. I am now XXXX for the SAME reasons ( Federal XXXX ). I have XXXX XXXX now, XXXX and other serial medical issues. Our ONLY income is from XXXX. Please make them go away.
Product: Credit reporting 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 : Account Number:XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX : Account Number:XXXX Account Name XXXX XXXX  : Account Number:XXXX Account Name : XXXX : Account NumberXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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 XXXX 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 received a letter from Truist stating that I had until XX/XX/XXXX to bring my mortgage payments current, otherwise foreclosure proceedings would begin. On XX/XX/XXXX, Truist transferred my mortgage to a third-party company. I went to a Truist branch location to figure out what I ought to do, and after the branch employee and I called the third-party company, we learned that it takes 15 days for the company to internally process a transferred mortgage. Therefore, I would not have the opportunity to pay off my loan, and the third-party company refused to share how much I owed in order to bring the loan current. Eventually, the Truist branch employee told me to get a cashier 's check of the most recent amount shared to me via letter, and to overnight it to the third-part 's location. 

I'm concerned that I may lose my house, despite my best efforts to bring my mortgage current. The early transfer of my mortgage may have locked me out from properly bringing my mortgage current by XX/XX/XXXX, and may cause me to lose my house.
Product: Credit reporting 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. 

and list of Inquiries. 

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: Credit card or prepaid card

Transaction date : XX/XX/XXXX Posted date : XX/XX/XXXX Amount : {$80.00} XXXX  : Gasoline Credit card company : Chase I went to get gas at XXXX gas station. The gas station said I spent {$80.00}. They charge me {$80.00} for gas which it is impossible to fill my car with {$80.00}. It would over flow. I called the credit card company and they disputed. and took the charge off. then XXXX charged me again for the {$80.00} and I called the credit card company again and now they will not take the charge because they said XXXX   charged again meaning that the charge is correct. 
The charge is NOT correct. They stole my money and the credit card company will not dispute anymore. they over charged me when put gas. extra {$80.00} would over flow with gas. and the credit card company does not get it.
Product: Credit reporting or other personal consumer reports

I DID NOT RECEIVE THE CHAIN OF ASSIGNMENT XXXX FOR VALIDATION OF DEBT. from XXXX XXXX XXXX XXXXAccount number XXXX balance {$1300.00} as Date opened XX/XX/XXXX, A BILL AND ADDRESS OR NOT PROVE VALIDATION OF DEBT ALSO CHARGE OFF SHOULD NOT BE REPORTING A BALANCE XXXX ( XXXX ),
Product: Checking or savings account

I have a Chime account and have use Chime 's referral program to make referrals to my friends for opening their new Chime accounts. I know for sure that so far 6 of my friends have opened their Chime accounts and also have made at least {$200.00} direct deposit ( each person ) into their Chime accounts. Based on Chime 's referral program, I should receive {$100.00} referral bonus per person and so I should have received at least {$600.00} referral bonus now. However, so far I have only received total {$300.00} referral bonus. I reported this missing referral bonus issue to Chime customer service, but this issue has not been resolved yet. 

I request Chime to post the missing {$300.00} referral bonus to my Chime account immediately without any further delay. For Chime 's info, one of my referred friends is XXXX XXXX XXXX name ) and his email address is XXXX Again, I request Chime to post the missing {$300.00} referral bonus to my Chime account immediately without any further delay.
Product: Money transfer, virtual currency, or money service

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

My rights are being violated by improper use of my consumer report. 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Mortgage

Select Portfolio Servicing ( SPS ), Inc. recently employed XXXX XXXX XXXX XXXX XXXX ( a law firm ), to send via certified mail a " Notice of Acceleration of Loan Maturity '' letter dated XXXX XXXX, XXXX ( see attached ) to me. As required by Texas Property Code 51.002 ( d ) and the Deed of Trust, SPS is required to send a " Notice of Demand Payment '' and a " Notice of Intent to Accelerate '' in order to provide adequate time to cure the debt and notice me that failure to cure the default will result in acceleration of the entire debt and could lead to a foreclosure and, possibly, a deficiency judgment against me if the proceeds from the foreclosure sale do not fully extinguish the secured debt in accordance with common law requirements. SPS did not send me neither the " Notice of Demand Payment '' nor the " Notice of Intent to Accelerate '' as required by law and the Deed of Trust. 
SPS purchased the servicing rights to my mortgage while it was in default. Therefore, they are deemed a debt collector and not an original creditor in accordance with the Fair Debt Collection Practices Act ( FDCPA ) 803 Definitions [ 15 USC 1692a ]. SPS ( or their agents ) has, despite written requests to " Cease and Desist '', continues to come onto my property and hang notices on my door ( see attached ). 
Finally, both XXXX XXXX XXXX XXXX, XXXX and SPS are in violation of FDCPA 1692e and 1692g ( b ) in that neither the law firm nor mortgage servicer has properly verified the debt. I have sent numerous RESPA requests asking for an itemized accounting clearly explaining each charge from inception of the loan. The payment history and all transactions from inception of the loan to XXXX XXXX have never been produced by SPS nor the previous servicer. They produce a copy of the note and an incomplete accounting which is missing years of records, does not clearly explain each charge with a date and does not reconcile back to the amount owed. Therefore, I am not able to adequately dispute the amount of the debt due to insufficient itemized accounting records.
Product: Payday loan, title loan, or personal loan

When we bought a new roof, we financed it through Foundation Finance rather than taking it out of savings, because the terms of the loan sounded so easy to handle. We were promised that any amount we would pay, additional to our monthly minimum payment, would automatically be directed to the principle of the loan. Once our roofing project was completed, Foundation Finance reached out to me to  confirm that the job was completed and that I understood the loan agreement. I specifically asked about extra amounts on top of our monthly payment going towards the principle amount, and I was reassured that this was the case. 

After a few months of making large payments, our monthly minimum started dropping, and the due date of our next payment was extended by about 6 months. 
I called in to ask if there was a way to direct my extra payments to the principle of the loan rather than applying it to the upcoming payments. They said that I would have to be up to date on the interest. There is already interest figured into our monthly payment, but on top of that, we are paying about {$4.00} per day in additional interest. When we made larger payments, we surpassed the accrued amount, but that still applied towards future payments, rather than the principle of the loan. 

We feel like we were misguided by the roofing company, but more importantly by the financing company who fully backed up the roofing company 's claims about the loan. We have decided to just pay the remaining balance off to avoid this, but we wish we would've known how this loan actually worked, because we would've selected a different loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Equifax, nothing has changed! So once again, I would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I have sent my documents, the FTC report I filed on their website to make things clear that I am an IDENTITY THEFT VICTIM. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me and are reported erroneously. I am in desperate need of these items to be REMOVED and BLOCKED. 

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

After sending information to verify myself with my dispute, I sent a follow up dispute ( XX/XX/2019 ) by means of a credit repair Organization, Equifax has failed to respond. They have violated the FCRA in that it has been more than 30 days. Please see items below Collection XXXX XXXX
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment history and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false and misleading reporting. These, along with any incorrect personal information, must be deleted immediately from my credit profile.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX are reporting an allege charge off account on my consumer report listed as XXXX XXXX account # XXXX I would like the consumer agencies to send me the account documents they used to verify this information as its on the consumer agencies to provide the burden of proof so either prove you completed a reasonable investigation by providing proof of validation. If you do not within 7 days of this report I will sue.
Product: Credit card or prepaid card

n XXXX I purchased a TV through Costco.com in the amount of {$180.00} ( {$160.00} plus taxes ). My credit card was incorrectly charged twice for the purchase of the TV. I disputed the charge and performed a charge back because I was incorrectly billed. On XX/XX/21, I attempted to place an order on Costco.com that Costco cancelled. On XX/XX/21 I called Costco and was told the order was canceled because I placed a charge back request for the TV in XXXX. I explained I was billed twice and did request a charge back. Customer service then stated the charge back was for a rug not the TV. I did place an order for a run in the amount of {$240.00} ( plus taxes ). I explained the rug was {$250.00} and not for the amount of the charge back. Customer service then stated I used a coupon, which I did not. On XX/XX/21 I received a letter in the mail from Costco dated XX/XX/21 stating I requested a charge back for an air purifier and that they were sending me to collections if I did not pay the {$180.00}. The air purifier I purchased from them was ordered on a different date/order and cost {$290.00} ( plus taxes ) not the {$180.00}. Again I did not request a charge back for either a rug nor the air purifier, just the {$180.00} for the duplicate billing of the TV I purchased. Costco 's explanation is ridiculous because both items they claim I requested a charge back for were both over the {$200.00} ( {$240.00} and {$290.00} ) which is obviously more than the {$180.00}. There is no way that I will pay for the TV twice and I shouldn't be sent to clooections for Costco 's mistake.

In addition, I received no correspondence from Costco regarding the charge back until I attempted to place another online order.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Dispute Department Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Late Payment Entry on My Credit Report Dear Experian Dispute Department : I am writing to formally dispute a late payment entry that appears on my credit report. According to 15 U.S.C. 1681c ( a ) of the Fair Credit Reporting Act ( FCRA ), certain adverse information, including late payment entries, must be removed from a consumers credit report after a specific period of time.

The late payment in question may be outdated or inaccurately reported. Therefore, I am requesting that you investigate and, if necessary, remove this entry from my credit report.

Under 15 U.S.C. 1681c ( a ), consumer reporting agencies are prohibited from reporting certain types of adverse information after the following timeframes : Late payments and other delinquencies must be removed after 7 years from the date of the original delinquency.

Other adverse information, such as collections or charge-offs, must also be removed after 7 years.

The presence of this late payment on my credit report is damaging to my creditworthiness. If it can not be verified or if it exceeds the permissible reporting period, I request that it be promptly removed.

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made.

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681c ( a ) Requirements Relating to Information Contained in Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines time limitations on how long certain negative information can appear on a consumer 's credit report : Late payments and other delinquencies must be removed from the credit report after 7 years from the date of the original delinquency. 
Bankruptcy cases under XXXX  XXXX must be removed after 10 years from the date of filing. 
XXXX  XXXX bankruptcies must be removed after 7 years from the date of discharge. 
This law ensures that outdated and damaging information does not remain on a consumers credit report indefinitely, protecting consumers from undue harm to their creditworthiness.
Product: Credit reporting or other personal consumer reports

**** Human manual review only, No automated system please. Be compassionate **** Please see the issue where you all reporting that the details of the XXXX XXXX XXXX XXXX show that there is no first date of delinquency or late payment however when I click on payment history you all are reporting la late payment. XXXX has it as 60 days on XX/XX/2022 and both Transunion and XXXX has it as 30 days in XX/XX/2022. Please see the attachments. This is an error. If there is no date of first delinquency because I have never been late. The manager at XXXX XXXX has some personal issue against me and keeps violating FDCPA laws to keep false reporting back to you all confusing details of a late payment that never happened. I have called paid off the balance on this account and they are just being petty and stubborn. This is against FCRA. There system is clearly wrong since it cant even report a delinquency date and cant even report the same to all credit reporting companies. There should be no red for any month indicating any late payments! There should only be green check marks to show that there were no missed payments. You all keep making inaccuracies on it. I would rather you all delete the account now. Though it will hurt my average account age. Its better that, than you all keep inaccurately reporting late payments on an account that was never late and has been paid off. I don't ever want to do business with them because of how they took advantage of customers during COVID. They are not supposed even report any late payments to to federal laws that were passed for that time. Credit reporting companies are required to comply with the law, by deleting these late payments or removing the accounts if the creditor keeps ignoring the law and fail to comply with reporting restriction. Asking them to keep this verify and automatic reporting look going is just wrong and illegal. I am suffering because your personnel or the systems you use are constantly presenting false and inconsistent information to the public. You all will be held accountable for violating my rights!