23daVinci/CFPB_Complaints huggingface dataset:
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/XXXX XXXX Department TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Late Payment Entry on My Credit Report Dear TransUnion 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The late payment in question may be outdated or inaccurately reported.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 Chapter 7 must be removed after 10 years from the date of filing.

Chapter 13 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This law ensures that outdated and damaging information does not remain on a consumers credit report indefinitely, protecting consumers from undue harm to their creditworthiness.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, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

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 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: Mortgage

In XX/XX/2023, I was told my va mortgage assumption application of my son-in-laws home was approved. I am a veteran an was using my benefit so I would need to move in this home as my primary residence. The bank CMG representative was very concerned that I owned two other properties. I explained that my plan was to move in after the closing. The representatives name is XXXX XXXX and to say the least is very unprofessional. My concern is with my daughter and grandchildrens welfare. 

I have called and emailed numerous times with no response. When XXXX calls who has the mortgage they tell him it will take another 6 months. At this point this sounds like a run round to me. No denial No calls just wait. I think 8 months is enough time to get this done. I hope that you can assist me in getting this bank to do the right thing. Thanking you in advance. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account is from a company I do not have an open account with and have never opened an account or signed a contract with. " In accordance with the Fair Credit Reporting Act this creditor ( list your creditor ) has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section XXXX states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

A customer sent money then said they sent it to me wrong bank deductibles XXXX dollars never believe me just took the money with out saying y
Product: Vehicle loan or lease

I purchased a car from carmart in XXXX Arkansas and they knew it was a lemon they promised to fix it because I was still under warranty and the car was in shop for weeks they ended up switching managers and I never got replacement car or any of my items from the car
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 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. XXXX, XXXX XXXX, AND XXXX 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! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Social Security # : XXXX XXXX : XX/XX/ Dear Credit Reporting Agency & Creditors : I am disputing inaccurate information listed in my credit reports for XXXX XXXX XXXX XXXX and TransUnion . 

I recently went thru a divorce and I no longer have responsibility for the debt or credit accounts listed in my credit report as deemed by the court and divorce settlement agreement attached to this letter. 

Also I can certify that the credit accounts listed in my credit records are fraudulent and were opened by my ex spouse without my authorization during our separation, this claim has been confirmed by a police report to the XXXX XXXX Police Department that later resulted in the arrest of my ex spouse due to her confirmed actions of identity theft in my name. 


With such information said under the FCRA I kindly ask that you remove the following information from my credit report as such items are no longer my responsibility due to the divorce judgment and are fraudulent by nature due to identity theft, if the listed credit reporting agencys refuse to comply and correct the records this may result in legal action as your agency will be in violation of the The Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) that protects consumers against the misuse and misreporting of credit information. 


Affected Credit Accounts : XXXX XXXX  XXXX - {$7600.00} XXXX XXXX  XXXX {$14000.00} XXXX XXXX XXXX XXXX - {$16000.00} XXXX XXXX XXXXXXXX - {$3400.00} XXXX  XXXX XXXX - {$2100.00} XXXX XXXX XXXX XXXXXXXX XXXX {$20.00} XXXX XXXX  XXXX - {$1300.00} XXXX XXXX XXXX XXXXXXXX XXXX {$370.00} Please kindly remove the listed accounts to prevent any legal action as previous lawsuits have been filed in the past. 


Sincerely, XXXX XXXX
Product: Credit card

My Kohls credit card was converted to a Capital One card in XX/XX/year>. The rewards program they offered piqued my interest, and I stopped using my current Visa ( which also had a good rewards program ) to start using this for my everyday purchases. 

In XXXX I noticed I had not been receiving rewards. I made a call on the XXXX of XXXX to find out how this program works as I had not received anything for XXXX or XXXX purchases. Apparently, they had a wrong phone number in for me, so we corrected that, and the customer service agent manually put in my rewards for those missed 2 months. He ended up giving me 5 % across the board for my inconvenience. This amounted to {$170.00} in Kohl 's XXXX. I patiently waited until XX/XX/XXXX to see that the {$170.00} and my XXXX purchases ( which had a double the bonus promotion going on ) to show up on my account. Unfortunately, XXXX 's rewards did not show up with that {$170.00} from XXXX and XXXX. On XX/XX/XXXX I made a phone call to customer service. After explaining my situation to two different agents who neither fully understood my dilemma, I was told that a service ticket would be entered so my card could be linked up properly to receive my rewards. I was told that there wasn't a ticket number but instead a reference number for my phone call. I asked if I would receive a call back when this was fixed and was told no and that I could just keep checking my account. As of XX/XX/XXXX it has not been corrected so I made yet another phone call. This time I was told that I did not enter my credit card number on my account at Kohls.com so that is why my rewards aren't going through. This did not make much sense to me and wondered why the previous agents hadn't told me this, but I went and updated that information. Then she asked me if I had receipts for all of my purchases. I said no, you can find them on my account. She then said she had to check to see if someone else was already working on my account to manually enter my rewards. While she was waiting for a response, she started adding up my purchases. A few minutes later she tells me that she got a response back and was told that this was a problem that was not just affecting me, but all customers and they were working on resolving the issue. Are you kidding me? I wasn't just born yesterday I know when I am being played for a fool. Why would the agents not all be made aware of this problem instead of wasting their time and their customers time ( almost 2 hours in phone calls )? Why in 4 months would this not be corrected? Why was there not an email sent to customers regarding this problem? Why can't I find anything online regarding this? I'll tell you why, because it's simply not true. Agents are lying to put you off because they haven't a clue what's going on. Besides the fact that most barely speak English and barely understand what I'm explaining to them. All of this information has been submitted via email to Kohl 's on XX/XX/XXXX with no response back.
Product: Credit reporting or other personal consumer reports

Subject : Incorrect Credit Score Calculation After Dispute Resolution To Whom It May Concern, I am filing a complaint against Experian due to an incorrect calculation of my credit score following a dispute resolution. 

Issue Summary : My student loans were previously duplicated on my credit report, inflating my total debt and damaging my score.

I successfully disputed the duplicate loan with all three credit bureaus, and the extra accounts were removed on XX/XX/year>. 
Instead of my credit score increasing after the correction, it dropped further by XXXX points due to an incorrect calculation of my payment history. 
My credit report now states that my percentage of on-time payments has decreased by 13 %, even though I have never missed a payment. 
The only reason this percentage dropped is because the duplicate loan ( which had a perfect payment history ) was removed, falsely making it appear as though I have fewer accounts in good standing. 

Experians Failure to Allow a Dispute : I attempted to dispute this issue with Experian directly, but they refused to allow me to file a dispute online because it does not involve a specific account. 
I was forced to submit a written dispute via certified mail, delaying the resolution of this issue. 

How This Is Impacting Me : Due to this unfair and incorrect score drop, I may be unable to qualify for an SBA loan for my business, which relies on my credit score.

I am being penalized twiceonce for the credit bureaus mistake ( duplicating my student loans ) and again after the correction ( for removing an inaccurate but positive payment history ). 

Resolution Requested : I am requesting that Experian recalculate my credit score to accurately reflect my true payment history, ensuring that my on-time payment percentage does not decrease due to the removal of a duplicate account.

This is a clear failure of proper credit reporting under the Fair Credit Reporting Act ( FCRA ) and is directly harming my financial opportunities. I request that the CFPB investigate this issue and require Experian to correct their calculation. 

I would appreciate a written response confirming the resolution of this matter as soon as possible. 

Sincerely, XXXX
Product: Student loan

I had received advice from my previous lender to transfer my loan to XXXX XXXX to monitor my progress with the PSLF program. I did so in XX/XX/XXXX. I waited very patiently to have the number of qualifying payment calculated and uploaded on my account. When they were finally uploaded the numbers were drastically lower than they should have been. I have been making qualifying payments since XX/XX/XXXX with only a handful of months in forbearance due to delays in processing IBR eligibility and one late payment. Therefore my estimated eligibility date should only be a few months after XX/XX/XXXX. When I called XXXX servicing about this they told me it was likely due to a prepayment and they would recalculate my qualifying payments. By then it was XX/XX/XXXX and I was told it could take up to three months. Once the three months was nearly completed, I called and was told it would take three to six months. Today I called and I was told it could be up to nine months. In total I have waiting nearly a year and I have not received an accurate count of my qualifying payments. I understand there are many such requests but not having the staff required to service this loan properly is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  acted in violation of SEC. 1464 of the The Dodd Frank Wall Street Reform and Consumer Protection ACT by failing to promptly report the home loan payment I made via their online portal on Saturday XX/XX/XXXX, instead they reported a payment date of XX/XX/XXXX which resulted in their reporting of my account as delinquent to the credit reporting agencies for XX/XX/XXXX. It is a verifiable fact that my home loan payment was initiated on the afternoon of Saturday XX/XX/XXXX. 

I have reached out directly to XXXX XXXX XXXX twice to resolve this issue, first via e-mail to XXXX XXXX and XXXX XXXX on XX/XX/XXXX and later via e-mail to XXXX XXXX on XX/XX/XXXX. Both times, I subsequently received letters dated XX/XX/XXXX and XX/XX/XXXX signed by XXXX XXXX, Office of the President, outlining their refusal to correct the payment date- The stated reason in the former letter being that the Bank 's Account Rules and Regulations explains that they have cut-off times for processing payment orders and in the latter that the calendar on XXXX prefills with the earliest payment date possible ( in this case Tuesday, XX/XX/XXXX ). 

I assert the following : *The only specific cutoff time listed on XXXX is XXXXXXXX XXXX ET for mobile deposits. If XXXX XXXX XXXX designates home loan payments as deposits, my aforementioned payment on XXXX was made well in advance of the XXXX XXXX  ET cutoff time on XX/XX/XXXX * XXXX XXXX XXXX XXXX Deposit Account Rules and Regulations specify neither days ( e.g. XXXX ) nor holidays when payments orders are not accepted, nor do they specify cut-off times * XXXX states on the following on their website " ... our online digital banking is always here for you anytime when you login at XXXX. Plus, XXXX message support is available in our mobile app and online '' - One should reasonably assume truth in advertising, to wit-that one would not expect it take XXXX hours for a payment made to XXXX XXXX XXXX via XXXX to post to one 's home loan account- prefilled calendar dates notwithstanding. If the Bank promotes their digital banking as available anytime, it isn't ethical or legal for XXXX XXXX XXXX to penalize consumers for accepting that assertion at face value.
Product: Debt collection

I had been promised immediate treatment if I paid {$550.00} for a dental consultation and x-rays. The dentist took the money and did not fulfil the promise of immediate treatment to cure the pain I was in. 
I filed a dispute with XXXX on the credit card I used for payment and won a permenant credit of {$550.00}. 
The Dentist has not honored his contract as a credit card merchant and has filed with a collection agency for the dismissed debt including additional charges. The collection agency filed this collection with XXXX and caused my XXXX score of nearly XXXX points to drop by XXXX points. 
I need help with this abuse to restore my credit and force the Dentist to honor the contract he signed as a credit card merchant. I have found both the Dentist office and the collection agency to both be unethical in attempting to ruin my credit as retaliation to the unfavorable decision that was made against them in the dispute thy lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, I am writing to bring to your attention an issue I've been facing regarding an unauthorized hard inquiry on my Equifax credit report, dated XX/XX/2023, allegedly initiated by XXXX XXXX 

I took the initiative to engage with a representative from XXXX XXXX to address this matter. So they confirmed that I do not have any active products or affiliations with their institution, making this inquiry entirely unwarranted. 

Subsequently, I completed the dispute form provided by Equifax, requesting the removal of the unauthorized inquiry from my credit report. Regrettably, I received a response after a week indicating that their decision was to maintain the inquiry unchanged. 

Dissatisfied with this outcome, I reached out to an Equifax credit report representative, who advised me to take the necessary steps by filing a complaint with the FTC XXXX Federal Trade Commission ). Following this guidance, I am currently in the process of fulfilling the FTC report requirements. 

I am writing to kindly request your assistance in resolving this matter once and for all. It is my fervent hope that you can intervene and facilitate the removal of this unjustified hard inquiry from my credit report. I understand that your expertise and influence in this area can greatly expedite the resolution process. 

Thank you very much for your attention to this pressing matter. Your prompt assistance will not only alleviate the stress I've been experiencing but will also reinstate my confidence in the credit reporting system. I eagerly await your favorable response. 

Best Regards, XXXX
Product: Credit reporting or other personal consumer reports

These reported late payments are inconsistent with my typical payment pattern.
Product: Mortgage

The late charge fee, and when I first had to refinance my home in XXXX They where now taking out enough escrow of my account to cover taxes, therefore I had to refinance my home. Wells Fargo Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FAMISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION YALL HAVE Violate my rights so the account I'm referring to is XXXX credit XXXX State of Michigan XXXX XXXX XXXX  XXXX
Product: Vehicle loan or lease

I am a resident of Colorado. I previously had the leased car registered in Florida. I need to re-register the car in Colorado. The car may be totaled so it's urgent that I register it immediately to prevent increased losses.

KIA says they sent the title for my car to me by US mail months ago and they keep claiming they've re-mailed it multiple times. Now they won't even pick up the phone to me. The car is not registered and I'm paying for a car I can not drive. 

I requested the title of KIA by phone initially in XXXX. See attached KIA shows they claim they processed it. This notice has been on my account for four ( 4 ) months now.

I have re-requested the title ( both sides ) and limited PoA at least a dozen times, by email and phone - see attached evidence of the emailed submission showing a request that they email it directly to my DMV and copy me so I know it is there. My State DMV denies receiving it and claims they have no way to receive it by XXXX mail- which is what KIA keeps claiming they've done. 

On XX/XX/24 my XXXX neighborhood received a severe hail storm. My KIA car sustained major damage. It may be totaled. I submitted a claim to my insurer. But the repair shop responsible for the repair or totaling it will not allow vehicles in their shop that aren't registered here.

I reported the loss to KIA. I've experienced other significant losses on this car due to attempts to steal the KIA and extreme vandalism which also needs to be completely repaired before I return the car to KIA. The lease is over soon.

I am paying for a car that I can not drive and how do I return it to KIA without being repaired? KIA will destroy my credit if I do that or if I stop paying for a car I can not drive. 

AN IMMEDIATE FAMILY MEMBER HAS XXXX. She lives out of state and I need to go take care of her. I need this sorted out quickly. By copy to KIA I had wanted to stay their customer and get another KIA when this lease is over - but I need them to help me. This is my 2nd KIA. 


Thank you for your help!