23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, Equifax, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The XXXX Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I changed my autopay date using their online interface, but the platform led me to believe the due date itself had also shifted to the XXXX of the month. Because of this misunderstanding, I inadvertently submitted my payment more than 30 days late. During this time, I was XXXX XXXX XXXX XXXX for three weeks and had to move abruptly for my personal safety, further complicating my ability to manage financial obligations.

Despite explaining these extenuating circumstances and the autopay/due date confusion, Upstart refuses to remove or adjust the late payment from my credit report. This negative mark severely jeopardizes my employment, which hinges on maintaining a strong credit standing. I believe their interface and communications were unclear or misleading, causing the late payment. I respectfully request the CFPBs assistance in resolving this matter and having my credit report updated to reflect my situation more accurately.
Product: Mortgage

My husband pasted in XX/XX/XXXX. I informed Nation Star at that time Now Mr. Cooper Mortgage I had received a foreclosure letter within two months of my husband death.I went to XX/XX/XXXX Mortgage payment protection They began helping me with the Mortgage in XX/XX/XXXX they informed me at that time The Nationstar Mortgage could not give me late charges or late payments. Only because the XXXX XXXX XXXX XXXX XXXX XXXX  will be paying it for. That would be my Mortgage payments and escrow I was approve the loan amount of XXXX and a cushion XXXX XXXX was for Reinstatement to Nationstar. XXXX Monthly for 16 payments XX/XX/XXXX to Nationstar. XXXX Annual for payment to HOA. XXXX for Lender 's Cushion. Now Nationstar was also charging for late fee they removed them at that time the late fees which Nationstar removed after they were contacted by the XXXX XXXX XXXX. After that I started paying I have not been late.I lived her since XXXX Mr. Cooper Mortgage put me in for being late on XX/XX/XXXX and XX/XX/XXXX which lower my credit score I have been disputing these two late payments for those  months I believe in paying my debts, it hurts me that Mr. Cooper will not fix this issue. When I call I can get some of the most rudest costumer service. I have ever experience.
Product: Mortgage

My standard loan payment is {$900.00}. I have this setup as an autodraft. Loancare, my mortgage servicing provider, withdrew {$5900.00} from my account on XX/XX/2019. The sent my account balance into negative and causing me to scramble to get my account back to positive and cover other planned expenses. 

Prior to the autodraft date of XX/XX/XXXX, on or around XX/XX/2019 I logged into the webportal for my loan and noticed the next scheduled withdraw of {$5900.00}. In disbelief, I immediately contacted customer service ( wait time >45mins ). The lady I spoke with stated it was a typo in the system, and they will only withdraw the statement amount ( {$900.00} ). The next day XX/XX/XXXX, as I can not take the risk of this large withdraw. After speaking with multiple people over an hour period, I was told there is nothing that can be done and they are not sure what will be withdrawn from my account the following morning. They did at this time acknowledge the mistake. The following day {$5900.00} was taken from my account. Another phone call led to me emailing a copy of the pending charge from my bank account, with the promise of a check being sent overnight to reimburse. I was told at this time I will receive a follow up call with a tracking number for the check. No call came, no check came. Monday XX/XX/XXXX I called looking for some answers. I get a different supervisor with little knowledge of the situation. She finally is able to see that a check was not issued because the charge was listed as " pending '' on the emailed statement. I then provided another statement, as was told they check will be sent. I asked for a follow up call with the tracking number. Again, no call. Finally, Wednesday XX/XX/XXXX I get a call stating that a check will be issued for overnight delivery. Friday XX/XX/XXXX, after countless hours on the phone, multiple trips to the bank, stress over other bills, etc. I did receive the check for the amount of {$5000.00}.
Product: Checking or savings account

I booked parking for around a week when I went to the facility they did not offer shuttle service so I had to cancel it I canceled within the allotted time. I booked another parking time with XXXX that I used for the original booking they said they would cancel the one that did not have shuttle service and they never did and now they're saying that I did not call but I did email also thank XXXX I have proof. Bank of America does not allow you to upload documents they want you to fax when they know no one has fax machines. So the only solution is to go to a branch. Which I did and they said that they're still looking for additional documents you will see there's nothing else I can provide but they know that and the vendor did not supply any proof just A text document that can be printed out on word XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is still displaying the account on my credit report as closed. It should be stated as open. Also, all payments dates should be reported as current. This has been going on for quiet sometime now and I would like to have this resolved as soon as possible. This is decreasing my credit score and is affecting my opportunities with using my credit. Please help me get this correct.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - Account XXXX : XXXX
Product: Vehicle loan or lease

The payoff keeps changing I only owe XXXX XXXX  with one payment left now my account is lock out also my account is up to date ally Financial is giving me a hard time at end of loan I called several times and get hung up on I have XXXX XXXX of the loan paid off Im trying to end the loan which is a very difficult process with ally I dont deserve this I had this loan from XXXX with XXXX XXXX interest rate can u please help
Product: Credit reporting or other personal consumer reports

Subject : Request to Block Accounts under Section 605C of the Fair Credit Reporting Act Dear Equifax, I am writing to formally request that the following accounts and inquiries be blocked from my credit report as I am a victim of XXXX XXXX Per Section 605C of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to block such accounts within four days of receiving notice and supporting documentation. 

The accounts and inquiries I request to be blocked are as follows : Accounts : XXXX XXXX XXXX : Account ending in XXXX XXXX XXXX XXXX XXXX : Account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX, {$130.00} Collection Account : XXXXXXXX XXXX XXXX XXXX, {$2000.00} Inquiries : XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX, XXXX, and XXXX have complied with this request and blocked the accounts within the required four days. However, I have not received the same compliance from Equifax. 

Please find attached documentation to support my claim, including proof of my status as a victim of human XXXX I urge you to process this request immediately in accordance with the law. 

Failure to comply may result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) or other appropriate authorities. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide written confirmation once the accounts and inquiries have been blocked. 

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

I am submitting this CFPB Complaint in accordance with the Fair Credit Reporting Act and I dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of the Credit Bureaus ' investigation. I also request that the Credit Bureaus send me an updated copy of my credit report once the fraudulent items have been removed.
Product: Credit reporting or other personal consumer reports

The obligation under FCRA 605B, as I understand it, is to expunge any inaccurate accounts from my credit report. Could you take a moment to examine the documents? It appears that some of the listed accounts are not reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and fix from erroneous reporting in my file are listed on my credit report : XXXX XX/XX/2021 US SM BUS ADMIN ODA XX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I was taken by surprise to learn that I was a victim of the ( XXXX XXXX XXXX XXXX ) and was encouraged to obtain my annual credit report from all three Major Credit Bureaus and identity any inaccuracies or fraudulent information that's keeping my credit score from progressing in the right direction to Open a Mortgage, upon review I was taken by surprise learn of I am a victim of fraud ... Credit Card Accounts and Numerous Unauthorized Hard Inquiries. Credit Card Accounts are listed below... 

XXXX : XXXX XXXX TransUnion Account # : XXXX XXXX XXXX Date XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$500.00} {$500.00} {$500.00} XXXX XXXX : TransUnion. XXXX Account # : XXXX XXXX Date Opened : XX/XX/XXXX. XX/XX/XXXX Balance : {$510.00}. {$510.00} These are not my accounts! I filled disputes with each of the three Credit Bureaus and also I contacted the Original Creditors and requested Debt Validation Letters and a Copy of the Original Application/Contract specifically bearing my Signature Consenting to obtain Credit and Permission to Furnish information on my Consumer Report I have not been provided requested information...
Product: Credit reporting or other personal consumer reports

XXXX begging you plese remove this to the credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX-XX/XX/XXXX I had leased a vehicle from XXXX. My leasing company was XXXX financial. I had a 36 month lease term, with automatically deducted bill pay. When my payments were concluded, I received an email stating that all payments were received, and I had completed my final payment in the series. XXXX reported me late during the months of XXXX and XXXX XX/XX/XXXX, however I did not have payments due for those months. Throughout the month of XXXX, I called on three separate occasions to verify if I owed any additional payment, and to clarify that I could simply drop the vehicle at the dealership. I was told that I was current on payments, and confirmed to drop of the vehicle. 

The credit reporting error came to my attention on XX/XX/XXXX I called XXXX, spoke to XXXX and her supervisor XXXX, employee # XXXX on XX/XX/XXXX. I was told that yes, in fact this was an error, as no payment was due at this time, and they would be removing the marks from my credit. 

I disputed with all 3 credit bureaus for the late payments reported in XXXX and XX/XX/XXXX. XXXX removed both marks in XX/XX/XXXX. 

My credit report on XX/XX/XXXX showed that Transunion removed XXXX but kept XXXX, XXXX removed XXXX but kept XXXX. When I checked my dispute status with Transunion, it shows n/a for both completed and results. 

Additionally, my XXXX page shows the wrong Fico score for the other three bureaus, which seems to account for the XXXX payment being removed from all 3. 

I would greatly appreciate your assistance to encourage XXXX   and Transunion to update their reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX there have been numerous inquiries on my various credit reporting agency. 

I have reported the fraud to all reporting agencies ( XXXX, XXXX and XXXX ) as well as called each creditor reporting inquiries on my reports with these agencies. 

XXXX has been unhelpful removing the inquiries. 

American Express has REFUSED to remove the fraud inquiries but has marked them as such internally - the inquiries are still on my report and have affected my ability to obtain new credit and have damaged my scores which is costing me a lot of money in higher interest rate loans now. AMEX accepted my report - but have not provided any deletion letters to me or to the Credit Reporting Agencies. 

XXXX XXXX and XXXX have also accepted my report - but have not provided any deletion letters to me or to the Credit Reporting Agencies. 

XXXX, XXXX and XXXX all still show inquiries on or about on XX/XX/XXXX thru XX/XX/XXXX which were all fraudulent attempts at obtaining credit in my name and social but at wrong addresses and unknown phone numbers. I have called each of these creditors and advised them of the fraud but they are not removing the inquiry reports to the CRA 's.
Product: Credit reporting or other personal consumer reports

I sent dispute letters to XXXX, Equifax, and XXXX to dispute inaccurate items. 

I did not receive any response from them that indicated that they verified the items as accurate, nor did I receive any information about the methods they used to verify those items as accurate. 

I received an email from XXXX and XXXX stating they were not in fact going to look into the disputed items because they doubted the validity of the letters I sent. I sent them follow up letters explaining that they must, in fact investigate the disputed items. 

I even had a phone call with XXXX to tell them to investigate, that got me nowhere. They insisited that I just dispute it over the phone, but I told them that I am aware of the law and do not wish to do so, they must honor my requests I sent in via letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was not verified or  Consent was  not givin prior to reporting under the FDCPA.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a dispute I raised regarding an account on my credit report. Despite my efforts to rectify the issue, the account has been inaccurately verified by the reporting agency. I am seeking your assistance in rectifying this matter. 

Account Information : PORTFOLIO RECOV ASSOC XXXX XXXX Under the provisions of 15 USC 1681 a2 and 15 USC 1681 s2, it is my understanding that I have the right to request the information that the reporting agency received from the creditor in response to my dispute. However, when I requested this information from the reporting agency, they failed to provide it.

I firmly believe that the account in question has been incorrectly verified. I respectfully request that you conduct a thorough investigation into this dispute and take appropriate action to ensure the accuracy of my credit report.

I understand that it is within your authority to compel the reporting agency to provide the information they received from the creditor as part of their verification process. This information is crucial in demonstrating the accuracy or inaccuracy of the reported account.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 XXXX, XXXX, XXXX 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 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

I am not liable for this debt with XXXX XXXX. I do not have a contract with Soutwest credit systems. They have not provided the original contract nor debt validation as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific inquiries in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries immediately. 

XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Money transfer, virtual currency, or money service

My friend and I ordered a commission from a user on XXXX on XXXX XXXX. This payment was made through PayPal, with both my friend and I splitting the payment of {$25.00}, {$27.00} including tax. We never received any update over the past months. I messaged the user on XXXX on the date XXXX XXXX and still did not receive any information on the product being made. Today, XXXX XXXX I went look at the user 's profile only to find it was deleted off of XXXX. I put in a dispute only to find that I can not because it was sent through PayPal 's 'Friends & Family ' policy ( which the seller told me to pick ). I would like to get my money back if its not possible then mainly my friend 's money. Simply, whether it was sent through business or family/friend, scams can happen from anyone claiming to be friendly or family. Thank you for taking the time to oversee my issue.