23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received an initial written letter via mail regarding a debt I owe from XXXX, XXXX, and XXXX dated XX/XX/XXXX. This letter did not include the amount of debt I owe and only included a payment agreement, which I made over the phone. The letter states that I " have agreed to make monthly payments of {$500.00} with the first payment of {$1000.00} due by XX/XX/XXXX and a payment of {$500.00} due by the XX/XX/XXXXof each month following, until the balance owed is paid in full. Please note that 9 % interest does continue to accrue ''. I did not receive written verification of what the amount owed is, or how the interest is calculated. With the lack of written confirmation of exactly what I owe and how many payments of {$500.00} it will take to pay this debt off. I am concerned they have left this open-ended and have neglected to verify my payment plan with respect to how/when my balance will be paid in full, or what my starting balance is to begin with.I spoke with a representative about my concerns on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Subject : Dispute of Inaccurate Late Payment Reporting on XXXX Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history, as I have been enrolled in autopay for all my accounts to ensure on-time payments.

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. Specifically, the credit bureaus report 30-day
late payments for my XXXX account.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. Potential Violation of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA,
which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that these reporting practices violate TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically

sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) also outline civil liability for willful and negligent noncompliance, including actual damages, attorneys fees,
and possible punitive damages for failure to comply.

Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that my account be updated to reflect my true payment history of 100 % on-time payments.

Payment History : This account history reflects a consistent record of timely payments. The 30-day late entries reported for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX XXXX XXXX are erroneous and do not align with my actual payment history.

Attachments : A copy of my government-issued ID Social Security verification Relevant documentation, account statements, and any additional documents that substantiate my history of timely payments I expect to receive written confirmation of the removal of these erroneous late payment entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still 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 these reporting accounts 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 accounts and update them immediately in my 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
Product: Checking or savings account

On XX/XX/2021, an electronic payment in the amount {$1000.00} was made from my Capital One Business Checking Account in the amount of {$1000.00} to my Spark Capital One Business Credit Card, which was received and noted. On XX/XX/2021, Capital One Bank decided to appartently mail a check in the amount of {$1000.00} to the Spark Credit Card again. There wasn't enought funds in the account to cover, which in turn I was charged a {$35.00} bank fee. A few hour later I had direct deposits of {$600.00}, {$240.00}, {$100.00} and {$80.00}, which Capital One took immediately to cover the funds that weren't there when they put the payment through for the second time. I have contacted the credit card company for the past three days and have been advised that they never received any second payment of {$1000.00}, which the attached statement shows. I have called Capital One Bank for the past three days and received three different answers. I spoke to XXXX today at Capital One Bank who advised me that he has no idea where my money went and can't explain what happened. Not a good enough answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown medical bill showing reporting on Equifax acct XXXX in the amount of {$100.00} has been disputed already and bureaus have not complied to prove account or inform of original furnisher without validation not sure how to know : 1. If it's my debt and 2. how to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations wrong addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX accounts : not mine XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Auto Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 75 Months Monthly Payment {$590.00} Responsibility Individual Account. 
Balance XX/XX/XXXX Creditor Name XXXX/XXXX XXXX   Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$500.00} Term -- Monthly Payment XX/XX/XXXX Creditor Name XXXX/XXXX Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$2300.00} Term Creditor Name XXXX XXXX/XXXX Account Type Telecommunications/Cellular Account Status Closed Opened Date XX/XX/XXXX Closed Date -- XXXX XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$700.00} Creditor Name XXXX  - XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$300.00} Term -- XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$700.00} Term -- XXXX   XXXX XXXX Account Type Auto Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XX/XX/XXXX Creditor Name XXXX XXXX Account Type Credit Card Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date -- Limit {$400.00} Term -- Monthly Payment -- XX/XX/XXXX Creditor Name XXXX Account Type Unsecured Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 12 Months Monthly Payment {$0.00} Responsibility Individual Accoun XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX TX Status Open Opened Date XX/XX/XXXX Closed Date
Product: Credit card

I had a Macy 's American express card ending XXXX. In XXXX, XXXX, I made a purchase of a XXXX dollar. I have not received statement via email or mail of this charge so I soon forgot about it. Until today XXXX/XXXX/XXXX, I was surprised by a letter sent by Macy 's which indicating a balance. I was astonished to learn that because the balance has not been paid, a late fee was levied on every month besides interests charges, amounts to XXXX today. I immediately contact the customer service and indicating that I have not received statements. The representatives mentioned that they have been trying to contact me via the phone but they could not produce the email or other records of statement being sent to me. In brief 6 months time, a mere XXXX dollar balance multiplied 10 times to what is standing today XXXX dollars. 
If ones character must be taken into account in this matter, I have a stable job and excellent credit history that I am willing to produce ample proof. I am willing to paid for reasonable charge and interests accumulated due to my oversight but I can not understand how anyone could be punished by the levels of charges by Macy 's American express. I could not help thinking this practice is predatory in nature, and should be penalized and stopped before next victims.
Product: Mortgage

I am a homeowner and I changed home owners insurance companies from XXXX XXXX and XXXX XXXX XXXX to XXXX due to a reduction in the insurance costs. I cancelled the insurance at XXXX through my mortgage company and directly with XXXX back on XX/XX/2020. My mortgage company paid the insurance cost through escrow after already submitting a payment to XXXX. I contacted XXXX and I was advised in XXXX that I would be receiving a reimbursement. I have continued to follow up with the company to collect the refund each month and I am receiving the same response. The amount of refund is around {$430.00}. I have continued to try to resolve this issue directly with XXXX but I am unsuccessful. I would like to receive the refund as soon as possible. I feel that a refund is due to me in a timely manor and after four months or trying to resolve this I have decided to file a complaint.
Product: Debt collection

WAKEFIELD AND ASSOCI has been sending me collection notices in the amount of {$330.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for its failure to conduct a thorough investigation into inaccurate items on my credit report and incorrect personal information. 

On XX/XX/year>, I diligently submitted dispute letters to Experian, requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report. Despite my efforts, I did not receive any response from Experian with the investigation results. 

The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus, such as Experian, must conduct a reasonable reinvestigation when the completeness or accuracy of any item of information in a consumer 's file is disputed. Experians repeated failure to conduct such investigations is a violation of my consumer rights under the FCRA. 

Enclosed, you will find a copy of the dispute letter I sent to Experian as proof of my efforts to rectify inaccuracies on my credit report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance : {$1000.00} XXXX XXXX Account number : XXXX Balance : {$3000.00} XXXX Account number : XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX I sent complaints to all XXXX companies For my wet signature on the contract for these credit lines also asking for the XXXX form since they were charged
Product: Credit reporting

TransUnion has not increased my credit score where it is suppose to be after all debt was closed in good standing and/or removed. Also it reports i have XXXX collections and have only XXXX open accounts in good standing but the information for XXXX is incorrect which I have been disputing it with transunion XXXX with no response from Transunion. My credit report states It is basing inform " 3 years from today 's date. In which it states contradictions that effects my sore. I have XXXX late payment ( not true ) XXXX on time payments, XXXX " current '' on time payments, totalling payments to be XXXX. But the grid they display is showing no late payments and all payments on time. Also it shows the grid shows XXXX, XXXX payments being code for " unknown ''. and counting it as XXXX missed Delinquents payments and XXXX missed payments ... And refuse to demand XXXX to explain and/or fix. I explained that During those years I was under XXXX XXXX mortgage modification program in which it clearly states and the bank stresses that any late payments during this process ( XXXX, and XXXX ) mortgage will be denied modification. I completed the program successfully with no late payments on my mortgage being modified. Trans Union, XXXX, XXXX marked those years unknown, delinquent, and missed payments all at the same time which is NOT TRUE. Which " XXXX '' ( nothing ) in collections XXXX accounts open in good my score should be more than XXXX. I need all credit bureaus, and XXXX investigate and my credit and report corrected.
Product: Debt collection

Credit Control LLC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX has been sending me collection notices in the amount of {$420.00}. I am not familiar with this company or this debt. I have not done business with, validated any debts, signed any contracts nor have I given this company my consent to report my personal information which is a violation of my rights according to the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX -associated with XXXX XXXX XXXX for an amount of {$300.00}. This account was once under another creditor and due to lack of information of said account not being mine it was then removed off my credit reports. Now it has re appeared under a new credit agency from the same company XXXX XXXX XXXX and is only showing on XXXX of my reports. At this time this is XXXX  and my credit is being slandered due to this company and information on my credit report. This company was not able to provide any validation so I would like this removed off my credit reports immediately.
Product: Mortgage

I have tried feverishly to maintain my current loan. I have tried bankruptcy, loan modifications, and  NACA. I a m at my wits end. My original loan amount was {$130000.00}. Due to late fees, missed payments and the company 's unwillingness to lower my interest rate from  8.25 and a monthly mpi of {$800.00} I can not afford to keep my home. My problem s began in   XXXX   and since then no one I mean no one has been able or willing to give or find an affordable solution.
Product: Credit card or prepaid card

I opened up a walmart credit card in XX/XX/2022, I never received a physical card in the mail as promised. I called capitol one 3 times requesting a physical card but yet never recieved any of them. I was able to make a few purchases online only because a digital version of my card was available on the Walmart website however I am only allowed to view the last 4 digits of the card number the other digits a represented by * symbol. I tried numerous times to open an app specifically for this account to manage and hopefully order a card however I receive a message that capitol one is having technical issues for months now and I can not access my account online. I called Capitol One 16 times and spent numerous hours on the phone answering all of the security questions however I'm not allowed to proceed bc I never knew my full 16digit card number only the last 4 digits. Capitol one states they can not view the full 16 digit card number either so they can not help me. I called Walmart to get help only to be told that capitol one handles all of the card issues. I suspect fraud from this company so I want to close my card but I don't want to damage my credit score bc of a faulty company. All that I am asking for is an actual credit card so that I can continue to make purchases and make my on time payments as promised on my end of the agreement. This is extremely frustrating please help!
Product: Money transfer, virtual currency, or money service

The nations largest banks felt threatened by competing payment apps, so they rushed to put out Zelle, said CFPB Director XXXX XXXX. By their failing to put in place proper safeguards, Zelle became a gold mine for fraudsters, while often leaving victims to fend for themselves.
Product: Credit reporting or other personal consumer reports

This inquiry was not authorized XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Social Security Number : XXXX, XXXX XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at The XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX opened on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$5200.00}. an a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$840.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Dear CFPB XXXX Bank of America ; I am writing to formally dispute an account listed on my credit report by Bank of America, which I believe to be fraudulent. I have no knowledge of this account and have never had any prior relationship with this company or the original creditor. The balance reported is incorrect, and I have never entered into any contractual obligations with the mentioned entities. 

The inaccuracies in reporting this account violate both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this matter expeditiously, I request the following documentation : Authorization Evidence : Proof of authorization under 15 USC 1692 ( e ) and 1692 ( f ) for handling this debt collection. 
Legal Basis : Documentation demonstrating the legal basis for the collection of this alleged debt. 
State Authorization : Proof of your authorization to operate and collect debts in my state. 
Debt Evidence : Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
Account History : A complete account history, including all collection-related charges. 
Additionally, I am filing a formal complaint citing violations of my consumer rights under the FCRA and FDCPA, specifically : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.

Under 15 U.S.C. 602 ( a ), I demand the immediate cessation of all communications and collection activities related to this account. Furthermore, pursuant to 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written consent.

I request the immediate deletion of this disputed account from all three credit reporting agencies due to its unrecognized status and the lack of any valid contractual obligation. Your prompt attention to this matter is crucial. Failure to comply may result in further legal action to protect my rights. Please provide the requested proof of this debt or remove the erroneous account from my credit report as soon as possible.

Thank you for your immediate attention to this serious issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried calling and and reaching out to XXXX, XXXX, and Transunion requesting an investigation of the following inaccurate accounts reporting on my credit report XXXX days ago. The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However the accounts are continuing to report errors on my credit profile, which is causing damage to my XXXX XXXX. 
Account name / numbers XXXX XXXX XXXX ASSOCIATES Account Number : XXXX XXXX  Account Number : XXXX