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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Federal Trade Commission XXXX XXXX XXXX XXXX Washington, D.C. XXXX Dear Sir/Madam, I am writing to formally bring to your attention an issue I have encountered with Experian, one of the major consumer reporting agencies. I have noticed that they are not reporting accurate information on my credit report, specifically regarding my credit card payments. 

Upon reviewing my credit report, I discovered that my payment made on XX/XX/XXXX has not been reported. This payment has reduced my credit card balance to zero, yet it is absent from my report. This inaccuracy not only misrepresents my creditworthiness but also undermines the fairness and accuracy that is essential for the proper functioning of the banking system, as outlined in 15 U.S. Code 1681. 

I have attached supporting documents, including payment confirmations and my current credit report, for your review. I urge you to investigate this matter and take appropriate action to ensure my credit report reflects accurate information. 

Thank you for your attention to this urgent issue. I appreciate your efforts in upholding consumer rights and ensuring fair credit reporting. 

Sincerely,
Product: Checking or savings account

In XX/XX/2024, I paid a medical bill through Optum ( my XXXX  ). The payment was processed on XXXX. The following month, I received a notice of late payment from the provider. When I spoke with them, they said they never received a payment. I called Optum, who referred me to XXXX XXXX, who told me that they processed the payment as requested. However, it was to a different provider who I did not know, never saw, and never heard of. I was told they " need to look into it '' and will call me back, which never happened. Since then, I have been calling at least monthly to inquire. I tried escalating the case, but no one ever seems to take notes, is familiar with the claim, or understands what happened. In the meantime, the actual provider sent me to collections. Because of Optum 's incompetence, I had to pay the same bill XXXX. 

I have spent endless hours of my life trying to get MY money back that THEY erroneously sent to someone else. It is appalling, to say the least. I pay XXXX fees for them to " manage '' my savings. What I am getting instead is utter mismanagement and theft!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

33 out of 66 months from XX/XX/XXXX to XX/XX/XXXX have different monthly reporting across XXXX, XXXX, and XXXX. 

I have already filed a dispute though CFPB, I have contacted XXXX probably over 20 times. No one does anything about it. 

QUOTE DIRECTLY FROM XXXX " After reviewing your inquiry, we found no instances of misguidance. We reviewed your loan for payment assistance according to our lending guidelines. We found no inaccurate credit reporting for your loan. '' How is it possible to have 33 out of 66 months different between 3 credit bureaus? How is this accurate reporting? How has XXXX done numerous and numerous investigations and have found that they are reporting accurately when there are 33 differences? How is this possible and how is this legal to continue to lie and say its fair credit reporting? 

What good is this CFPB, If you contact XXXX and they say they report accurately and then you close it? Take 5 minutes and look at reports and it shows 33 differences.
Product: Credit card

I have sent inquiries multiple times to receive validation information and have not received anything in return. This is beyond XXXX days. Discover/ {$7900.00} / # XXXX / charge off
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is continued to my previous complaints listed below : XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX Credit Bureau XX/XX/2022 Open Sent to company XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXX consumer fraud division XX/XX/2022 Open Sent to company XXXX XXXX XXXX XXXX Credit reporting Incorrect information on your report Transunion ( Fraud Victim Assistance Department ) XX/XX/2022 Open I provide a police report which I forgot to upload in my last complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts from XXXX XXXX XXXX on my credit report they have been removed from other credit companies this has been going for months they take the accounts then place them back then take them off again just alot of up and down they need to be removed and deleted XXXX  XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$36000.00} XXXX  XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$25000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi i XXXX XXXX am protected by F.C.R.A I had several issues disputing what isnt correct and i am subject to my privacy and also have the right to delete whats incorrect Please correct these mistakes Under 15 usc 1666b i am protected. 
Account name : XXXX XXXX The Account is reporting late. i have never been late please report the account as current Delete any allegedly late payments Account name : XXXX XXXX Account XXXX XXXX late several times. I have had several issues removing the allegedly late payments. I was never late please delete the allegedly late payments Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please delete this account. The account is paid for i am subject to my privacy Account name : XXXX XXXX XXXXXXXX delete this account. The acccount is paid for i am subject to my privacy Please delete all of the above and send me a copy of my report with all of the above deleted please and thank you
Product: Mortgage

My mortgage documents specify that a late fee may only be assessed if a payment is received 15 days or more after the due date. My mortgage loan servicer, LoanCare ( NMLS # 2916 ), charged me a late fee of {$10.00} for making my payment due XXXX/XXXX/XXXX on XXXX/XXXX/XXXX. LoanCare attempts to disguise this practice by labeling their late fee a " draft fee ''. No " draft fee '' is charged if a payment is received within 4 days of the due date, a {$5.00} " draft fee '' is charged if a payment is received 5-9 days after the due date, and a {$10.00} " draft fee '' is charged if a payment is received 10 or more days after the due date ( or some similar progressive penalty structure ). The only reasonable explanation for the structure of these " draft fees '' is to penalize consumers for making payments after the due date, with the penalty increasing as more time passes. In other words, the '' draft fee '' is a de facto late fee that violates the contractual terms of my mortgage loan.
Product: Debt collection

I never lived or rented at this location/resident Fair credit reporting act 15 USC subsection 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is both XXXX and XXXX are reporting the status of an account with two different account numbers XXXX # XXXX and XXXX # XXXX respectively, different dates, different balances? to all nationwide consumer reporting agencies. Additionally XXXX continues to contact we and not my attorney who is currently handing my account via POA.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES 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 XXXXXX/XX/XXXX
Product: Debt collection

I recently obtained a copy of my credit report. I noticed a collection on my report from Diversified Consultants for {$670.00}.

# 1. I was never notified about this debt.

I never received any letters or phones call concerning this debt.

I was never given an opportunity to dispute this debt, it just showed up on my credit report.

# 2. I do not owe this debt.
Product: Checking or savings account

I opened Online Savings on XX/XX/XXXX at barclaysus.com. On XX/XX/XXXX, I received an email saying that my account was suspended. I called XXXX and they said " it is confirmed fraud '' even though I answered all of their security questions. I asked them if they could tell me any reason for being flagged as fraudulent, and they said they do not have that information. Then, I received mail and emails saying that I could deposit. Then, I called them on XX/XX/XXXX and they said the mail should be a mistake and " it is a confirmed fraud ''. I told them they are legally obligated to tell me the reason and or reason codes and they said the fraud department does not share any information with them. I am not sure why they are doing this. I think this is nothing but a discrimination. There should be a reason for being flagged as fraud, but they do not want to tell me what it is. They say the account is not opened but I keep getting emails and mail saying that I can deposit. Thank you for your time and help
Product: Credit reporting or other personal consumer reports

I received my consumer report not too long ago and i saw some suspicious information that was about bank inquiries on my credit report that i did not recognize me making. I called the 3 bureaus, XXXX, Transunion and XXXX. i explained to them what was wrong with my report and they specifically said they would resolve the issue and get them removed immediately. XXXX have remove them same week i called but i never saw a update on my report after a month from XXXX and Transunion, So i called again they mentioned they needed additional documents such as my ID, SSN and information about the inquiries. I sent those documents thru mail on XX/XX/XXXX of this year. and since then i have not heard anything from them and my report still remains the same. I would appreciate if you could help me investigate this further so i get this resolved. The inquiries are listed below also I submitted photos from my report up to date from all 3 bureaus. Thank you! 

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: Checking or savings account

On XX/XX/XXXX, I was emailed and invited to open a Citi Elevate High-Yield Checking Account with the following terms : Earn a cash bonus OF {$200.00} How to earn your cash bonus : Open a new Citi ElevateSM High-Yield Checking Account by XX/XX/2020. Then, within 30 days after account opening, deposit a minimum balance of {$5000.00} and maintain the balance for 60 days to receive your {$200.00} cash bonus. 


On XX/XX/XXXX, I opened the account, setup the checking account as an outside account at XXXX Bank ( including verifying with username/password pair ) and initiated a {$5000.00} transfer. 

On XX/XX/XXXX, I received notice from XXXX XXXX that the ACH transfer rejected. XXXX stated that Citi rejected it. Citi told me to just 'try again '. 

On XX/XX/XXXX, I setup XXXX XXXX  as an outside account on Citi 's website. I verified my XXXX account using my username/password pair. I then initiated a {$5000.00} transfer from XXXX to Citi. 

On XX/XX/XXXX, I was called by Citibank who said I needed to verify my XXXX account to complete the transfer despite having already verified through their website. They then called XXXX with me on the phone and expected me to answer my XXXX XXXX security questions with them listening. I objected and told Citi to close my account. 

In both transfer attempts, the {$5000.00} was withdrawn from my XXXX account. In fact, as of this writing, I have not received my {$5000.00} back from my attempt to initiate the transfer at Citi.
Product: Credit reporting or other personal consumer reports

XXXX XXXX holds my installment account for a small loan of XXXX that began XX/XX/year>. 
Acct # XXXX I set up autopay online and made consistent payments manually for XXXX. The autopay began in XX/XX/year> and was completed without error. However, there was some internal error either within XXXX or my bank which led to a 30 day late payment on XX/XX/year>. I was never notified by XXXX that the autopay of XXXX was not completed so I assumed it was processed.

This is the only 30 day late payment on my credit and its preventing stellar scores. XXXX has not been cooperative in admitting any communication fault nor offering any good will adjustment on my credit.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX XXXX 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 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

In 2018 I was diagnosed earlier before with XXXX XXXX that has made my life very difficult. I got married to a lady who exploited me and manipulated me into using my credit cards indiscriminately to purchase items for her family and herself without my permission. This involving many credit cards including a car purchase plunged me into a debit of more than {$50000.00}. I have been trying to resolve this with my credit companies since I started making improvement on my health and requesting a concession stating that these expenses were fraudulent. I am divorced now and she walked away scot free. I am now dealing with the credit companies and collections.
Product: Debt collection

XXXX is the alleged debt amount XX/XX/2019 Westlake Financial Services And XXXX XXXX listed there corporations as Creditors of I the Consumers Loan and listed me as the borrower of the Loan and credit i Created According to 15 U.S. Code 1692a - 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt.

The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 
According to15 U.S. Code 1692e. False or misleading representations and 15 U.S. Code 1692j - Furnishing certain deceptive forms
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  XXXX DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found an incorrect late payment reported on my account ( XXXX ) with XXXX XXXX, despite having made all payments on time. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers must ensure the accuracy of the information they report, and knowingly reporting errors violates this law. The credit bureaus are responsible for maintaining accurate records, yet discrepancies exist across all three : TransUnion incorrectly reports 30-day late payments for XXXX and XX/XX/XXXX and XX/XX/XXXX, Experian lists 30-day late payments for XX/XX/XXXX and XX/XX/XXXX, and Equifax reports 30-day late payments for XXXX and XX/XX/XXXX and XX/XX/XXXX. I request documentation verifying compliance with 15 U.S. Code 1666b, which mandates periodic statements be delivered at least 21 days before the due date, including the statement and tracking number confirming timely delivery. I have attached proof highlighting these inaccuracies and request immediate correction within 15 days of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Un authorities inquiries in 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 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 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 was going over my credit file and I noticed that there are addresses that do not belong to me and several other accounts information that is not correct. On or around XXXX or XX/XX/2020 I had a few late payments from the following companies : XXXX XXXXXXXX XXXX ( COVID ) XXXX XXXX XXXX ( COVID ) XXXX XXXX XXXX XXXX ( XXXX ) DEPT OF EDXXXX XXXX ( COVID ) I have a few accounts that are showing me 30-60 days late and at the time my income was affected by the Pandemic shut down. I am aware that the CARESACT was allowing for consumer protection under the CARES act with creditors offering accommodations. I have on paid on my accounts are showing late pay I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile. 
The following addresses are not correct and do not belong to me please delete : 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

My mother 's home was full paid and she applied for a mortgage in XXXX her only steady monthly income at the time was SSA benefits. She received the mortgage with payments of about $ 700/month. She passed away in XXXX and I have been trying to assume the mortgage since her passing. Complications arose from the beginning with the mortgage company not responding to the request ( multiple requests were sent for assistance ) ; there was multiple mortgage service providers ; dealing with the death of my mother and my own health and financial issues. The last company holding the mortgage again either did n't respond to requests for assumption application or repeatedly asked for the same information multiple times EVEN after acknowledging they had the information. The amount owed on notices were different, the POC changed multiple times ; notices were not being sent to the proper mailing address. The mortgage company took it upon themselves to change the mailing address. The mortgage company and the servicing provider even gave the neighborhood housing counselor a hard time in responding to requests and acknowledging information receipts.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent an affidavit to XXXXXXXX XXXX requesting the signed contract, authorized representative for the company, irs forms that was filed or that need to be filed to cancel the debt 1099OID, 1099A and 1099C. And to update my consumer credit report. I have not received any response or updates. Attached is a copy of my affidavit.
Product: Debt collection

Continuous calls to cell after being advised and requested on multiple occasions to cease and desist. Requested proof of debt as stated by the FDCPA yet debt company refused. Representative " XXXX XXXX '' threatened a law suit if action not taking. Calls to cell 3-5 times daily for the past 8 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention that you are not removing records despite my submission of the FTC report. According to regulation 605b of the FCRA, this is mandatory. Therefore, I am submitting this complaint to seek a lawful resolution. If you choose not to block the items listed below, which are inaccurately reflecting fraudulent activity, I will forward my documents to my attorney to initiate legal action. It is my preference to avoid legal proceedings, so please comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$120.00} XXXX XXXXXXXX Balance Owed XXXX {$6200.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX