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

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am writing to formally file a complaint regarding your failure to correct inaccurate information on my credit report for my account with XXXX, Account Number XXXX. Despite multiple written requests for correction, dated ( XX/XX/year> ), my requests have been consistently disregarded. This failure constitutes violations of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account indicates a failure to meet this legal requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies verify the accuracy of information in consumer files, which has not been adhered to in this case. The discrepancies in my credit report remain unresolved, showing negligence on the part of Equifax to ensure accuracy as mandated. 
TILA Violations : The Truth in Lending Act emphasizes the requirement for accurate and timely disclosures to consumers. Due to the inaccurate reporting of a late payment, my creditworthiness has been adversely impacted, affecting my financial stability. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : The PAANL underscores the duty of creditors to provide timely statements, which would prevent unfair penalties, such as this late payment reporting, that harm consumers without due cause. 
The following discrepancies were noted on my credit report across all three major credit bureaus : XXXX : XXXX marked as 30 days late, although previous payments were timely. 
XXXX : Similarly, XXXX indicates a 30-day late status despite consistent timely payments. 
Equifax : Records a 30-day late entry in XXXX as well, contradicting previous payments made on time. 
Nothing has changed despite two previous disputes with Equifax and the original creditor, and this continued misreporting has led to unnecessary harm to my credit score and financial reliability. 
Desired Resolution : I request the immediate removal of the inaccurate late payment notation from my credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly may result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your attention to this matter. I trust that you will give this issue the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

This debt is not mine. I have had this debt show up previously from XXXX with another collections company in which I disputed the debt and was it was removed and never validated. Now it has been sold to another collections company and the debt is not mine and has not been validated at request. Please remove debt or send proof of validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act : Account NamXXXX XXXX Account Number XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I once owned a timeshare with XXXX XXXX  in XXXX Florida, due to COVID I explained I could not afford the property. They provided me with a lu-dod program which is paper work with my personal info agreeing to give back the property with the payment giving of XXXX $ I paid received the paperwork and I notarized the paperwork they received and dismissed the paperwork because the notary did stamp was above the signature line. Then they put a late payment on my credit report. Then they emailed it again I did the same notary and sent it again, its been 2 months since original date they received the lu dod paperwork XX/XX/2021. They are violating my consumer rights, and false late payments on my credit, 15USC 1681 under the exclusion section ( 2 ) A ( I ) I need this off of my credit as soon as possible please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to XXXX XXXX XXXX XXXX asking them to remove an inquiry that was not done by me, and they still have yet remove an hard inquiry on my credit report. I also wrote a letter to JPMCB card which is XXXX XXXX and XXXX XXXX, explaining to situation to all lenders.
Product: Money transfer, virtual currency, or money service

I placed an order with XXXX and was told to pay their Paypal ID XXXX and send them a screenshot of the receipt from Paypal. I did this and sportsmansreloads emailed me saying they received the payment from Paypal and my item would be shipped out that day, I never received the item. I filed a complaint with Paypal and they told me to go through my credit card company and I did. My credit card company advised me that Paypal is the one that should refund my money but Paypal doesn't want to do it.
Product: Debt collection

I received a letter under my XXXX XXXX XXXX daughter name. It says that i owed XXXX XXXX I called to BAS company, and they said that money is for a blood test made on XXXX XXXX last year ( 2021 ) to my daughter. 
My daughter has never had blood drawn. 
She had XXXX as medical insurance and a while ago XXXX. 
I need somebody to remove this because this debt doesn't below to us.
Product: Prepaid card

because I have no bank account, I purchased an American express gift card to pay some bills with. I was not able to use my balance of {$320.00} on any of my bills, XXXX I contacted the gift card service center in XXXX on XXXX separate occasions, and spoke with XXXX separate floor supervisors and was repeatedly told that there was nothing wrong with my card. I repeatedly tried to use it online, on phone, and directly speaking with my creditors with no success. XXXX floor supervisor, XXXX XXXX XXXX, at XXXX customer service advised that it is not meant to be used to pay bills. I told them it should be able to be used just like a credit card for any reason. After not being able to get customer service to help me in any way I asked fpr a refund and was told that it would take 20 business days for a refund. It sure seems like a scam to me. I spent good cash money and now am out {$320.00} for at least a month. This is not a responsible business practice, and not fair to the individual. Please help me to resolve this absurd practice. I never have similar problems with other major gift cards XXXX. I just want to be fairly treated, and hope you can help me, and others like me. 
Thank you,
Product: Credit reporting or other personal consumer reports

INCORRECT PAYMENT STATUS. PLEASE REMOVE THE LATE PAYMENT STATUS FROM MY CONSUMER PROFILE
Product: Credit reporting or other personal consumer reports

Experian and XXXX are reporting inaccurate information for account XXXX XXXX XXXX. This account was deemed a loss in 2018 and went into collections. Debt in the state of Texas is only collectible for 4 years. This balance should be reporting as {$0.00}, but it is not. Furthermore, the date last active does is not consistent between all 3 bureaus : Experian reports XX/XX/2018 while XXXX reports XX/XX/2018. The payment history is also inconsistent with XXXX reporting 'OK ' while Experian reports 'CO '. This is clearly misinformation and negligence. I will attach my credit report showing the inaccurate dates for the payment status as well. How does this meet FCRA regulations? I am requesting that all business and transaction documents to prove that this account was legally verified. In the meantime, cease reporting of this account due to the misleading and misinformation failing to comply to 15 USC 1681. XXXXXXXX XXXX  is to send all documentation via CFPB, not mail.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX
Product: Mortgage

I have been on a financial hardship Forbearance plan due to Covid-19. The forbearance has expired on XX/XX/20, for the past 3 months prior to the expiration date, I have been in touch with the loan servicer Selene Finance to find a resolution to the forbearance. They asked me what type of income do I have, I told them that I was getting unemployment, I was told that unemployment is not considered an income. Therefore I am not a candidate for any resolution. Early in XXXX, I requested a 6 months extension of the forbearance I was told to send in a hardship letter which I did, and now they are requesting two paystub and two months off bank statements. I feel that they are playing a game so that I can place me in a vulnerable position for them to foreclose on my house. Sincerely
Product: Debt collection

In XX/XX/XXXX, I broke my lease with XXXX XXXX XXXX located in XXXX, TX due to my requirement to go overseas. I provided the leasing office with my orders ( attached ) as well as my forwarding address. 3 months later, I discovered an open collection on my credit report on behalf of the apartment complex indicating that I owed {$210.00}. I called the collection agency NCC Business Service to inquire and was advised that The leasing company reported me for non payment of " fees ''. My credit report showed date of first delinquency as XX/XX/XXXX, which was not even 30 days after my move out. I had not received a single letter, notification, phone call, NOTHING. I reached out to the leasing office to no avail. I ended up just paying it because, i was afraid of my credit being adversely impacted. I knew that I had the right to dispute the validity of the debt, but was not given the opportunity. Nearly 4 years later, I'm still fighting to get that collection removed from my credit report. I discovered that because i live in Texas, i have the right to request Debt Validation under the Texas Financial Code. I had the letter ( attached ) mailed via USPS to NCC Business Service 's address that is listed on my credit report with signature confirmation on XX/XX/XXXX. They have yet to respond. As a result of them not responding within 30 days, that Texas Financial Code states that the tradeline must be removed from my credit report. I'm requesting assistance to get this matter resolved, as I have exhausted all my options. I've disputed that account countless times, with no success.
Product: Credit reporting or other personal consumer reports

My credit is crucial to my financial stability, and I am deeply concerned about the inaccurate information appearing on my credit report. These errors have been causing unnecessary stress, especially when I am denied new credit opportunities due to incorrect reporting. This situation is frustrating and unacceptable. Additionally, banking errors related to billing and reporting are further damaging my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are legally required to ensure accurate reporting of payments and credits. However, my report contains misrecorded payments, calculation errors, and late payment marks that should not existespecially since I was not provided with the required 21-day notice before the due date. These inaccuracies violate federal law and are unfairly affecting my creditworthiness.
Product: Debt collection

I received a letter from a lawyer 's office regarding a credit card debt. The creditor is Discover Bank. I reported this account to the creditor and the credit bureau as a fraudulent account that I did not make. I stated that the account was applied and made by identity theft. 
Once I discovered the account 's existence, I reported a police report with an FTC identity theft report. Also, I requested proper verification to be processed for the fraudulent credit card account. 
Unfortunately, the credit did not provide any documents to me suggesting that I applied and used the account. The only documents I received were monthly statements of the fraudulent accounts. 
I requested a specific document, which was a written contract/agreement that was made between me and the discover bank. 

I do not understand how Discover bank can sell this fraudulent account to the collection agency when they clearly failed to conduct a proper verification process of this fraudulent account. 

Also, the date XXXX and XXXX posted on the upcoming lawsuit is XX/XX/XXXX and stated that I must reply back within 30 days. I only received the letter today, which is XX/XX/2021. I know by law I have 30 days to respond back to them, but I only received the letter today. 

XXXX and XXXX are playing games with me in order for them to not to provide any verifiable documents to me.
Product: Credit reporting or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

As a federally protected consumer, I am highly disappointed and unsatisfied with TrueAccord. My name is XXXX XXXX and I am making this complaint against TrueAccord for violating a cease and desist notice received by their offices XX/XX/2022. I have no recollection of authorizing or giving TrueAccord any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt that claim I owe. I am fully aware that, in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are equally liable for violations pursuant to 15 USC 1692e ( 12 ). It seems as though this account has been turned over to innocent purchasers for value, when that is a very false and misleading representation. I have not validated any alleged debt with TrueAccord and my failure to dispute the validity of this alleged debt shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving TrueAccord any right to collect on this alleged debt. I have also never received any documentation requesting validation from TrueAccord before they decided to commit multiple federal violations under the Fair Debt Collection Practices Act. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, all collection activity and communication expect through mail to above address, of this and any alleged debts until TrueAccord can provide me with sufficient documentary evidence that I have any legal obligation to pay them. True Accord has advertised the sale of this alleged debt to coerce payment. I have abundant evidence of the use of abusive and unfair debt collection practices by True Accord ( EXHIBIT A, B, C ). This has led to an invasion and breach of my privacy. If this documentary evidence can not be produced and TrueAccord continues its collection efforts, I will file for arbitration and TrueAccord will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, yesterday on XX/XX/2022, I received a credit alert from XXXX. I immediately called XXXX and XXXX for fear of fraudulent activity. I emailed XXXX also, but the response was incomplete. I locked all three credit reports. Since XXXX is a paid service, I paid {$21.00} to have access to the locking feature. XXXX told me that this has happen to many people, but how did they get access to my account information when I was never a customerof theirs? It seems as if Self purchased XXXX. They sent an update yesterday.
Product: Bank account or service

In 2013 a XXXX male approaced me an manipulated me an pressured me into the bank of America on XXXX XXXX XXXX he then placed a fake check into the ATM with drawing over two hundred dollars then he ran away my accounts were then closed Ian a victim so please clear this up so I can open account again thank u remember I am a victim of fraudulent acks
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit.
Product: Credit card or prepaid card

This is the second credit card company in the last year where someone is trying to open a a credit card account using my name.
I would like to freeze my credit.
Product: Credit reporting or other personal consumer reports

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  Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear Equifax Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report.

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate.

Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days.

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response.

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made.

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

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

I received letter from Experian on XX/XX/XXXX confirming the FREEZE on my credit report and how to temporarily or permanently remove the security freeze. 

Subsequently I provided my credit union with a one time PIN for viewing report on XX/XX/XXXX I just received notice today XX/XX/XXXX from XXXX XXXX that another entity was able to review my report without my agreement / without a PIN. 

I called Experian and they were unable to locate the Freeze on my account using the PIN they had given me. They required my SSN and then told me there was no record of Freeze. 

What is going on!??? They took information to place another security freeze, but my confidence in them is LOW.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Equifax XXXX a credit inquiry from XXXX XXXX came to my notifications u have XXXX froze. I just froze XXXX and Equifax XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mom was doing a refinance on her house with a va rider and I signed attorney in fact on loan on XX/XX/2015 then the next day XX/XX/2015 I canceled the refinance quicken loans accepted the cancellation and so did the va loans in Az well my mom passed away next thing I know I get a payment statement in mail I call quicken loans and told them the refinance was canceled on XX/XX/2015 I was still within the three day cancel period. 
They tell me Im liable for loan cause I signed attorney in fact. They tell me well since we know your mother is deceased we will transfer grant deed to your name. So they told me this in XX/XX/2015 they didnt keep there word they foreclosed on the house after I had paid payments