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

XX/XX/year> Subject : Formal Complaint for Inaccurate Late Payment on Credit Report. 
Dear CFPB, I am filing a formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX Despite multiple written requests for correction, dated XX/XX/scrub>XXXX XXXX XXXX Experian has neglected to address these errors. This lack of response constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. The continued reporting of incorrect late payments on my account breaches this legal obligation. Additionally, as per 15 U.S. Code 1666b, creditors are mandated to send periodic statements at least 21 days before the due date, which has evidently not been adhered to given the erroneous late payment entries. 
TILA Violations : The Truth in Lending Act emphasizes accurate and timely disclosures for consumers. The persistent misreporting of late payments on my account has harmed my creditworthiness, which TILA intends to protect.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditors ' responsibility to deliver timely statements, ensuring consumers are not penalized unfairly. The accounts inaccurate late payment report violates this protection, affecting my financial standing. 
XXXX Action Taken : XXXX has proactively removed the account due to the verified errors in late payment reporting. Despite this corrective action by XXXX, Experian continues to report inaccuracies. 
Experian Reporting History : Late Payments Recorded : 30-day late payments in XXXX and XXXX Two-Year Payment History : Consistent " OK '' status reported except for XXXX and XXXX Days Late - 7 Year History : Experian - 30 days : 2 occurrences This unresolved error impacts my financial reputation and credit score. I formally request the immediate removal of all inaccurate late payment notations from my credit report, as has already been done by XXXX. If the issue persists, I am prepared to escalate my complaint, potentially involving legal action and additional complaints to relevant consumer protection agencies. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

X/XX/18 XXXX XXXX XXXX XXXX XXXX-I responded and was hung up on XXXX XXXX No message was left however I received these calls all within one day. I understand that there is financial responsibility however 6 calls completely unnecessary. These calls took place during hours of work and have cause disciplinary action on my employers behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached the peak of my patience because of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/2022 and the the most recent letter I sent was dated XX/XX/2022 with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have failed to provide. The following accounts which I believe to be reporting erroneous information must be deleted under the provisions of the Fair Credit Reporting Act : 1. XXXX XXXX  XXXX XXXX Balance Owed : {$1200.00} 2. XXXX  XXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX XXXX XXXX : {$10000.00}
Product: Credit reporting or other personal consumer reports

I contacted XXXX to let them know that they have an open account erroneously on my credit report which has led me to get higher interest rate on my car loan, higher interest rate on my personal loans, and a higher car insurance rate FOR MORE THAN XXXX YEARS!!!!. I previously contacted them and they did nothing about it. 

They are responsible for the XXXX credit bureaus showing over {$100000.00} in student loans open in my name, which IS NOT TRUE. Their negligence has been negatively affecting my credit report by over XXXX points!! My lowered credit score has caused other problems like preventing me from getting stable housing ( landlord credit check ), preventing me from getting higher level jobs ( employer credit check ) and has made my already difficult life as a chronically ill single mother and survivor of XXXX XXXXXXXX, even more difficult. I would like XXXX XXXX to pay reparations for the thousands of dollars they have cost me in higher loan rates ( at the bare minimum, the difference between the rates I should have received, and the rates I had to pay ) due to their negligent error.
Product: Credit card or prepaid card

I have a Chase XXXX card. Per the agreement, I should not be charged interest if I pay my balance in full before the due date. Even when I pay my balance in full before the due date, Chase still charges interest and refuses to explain why they have charged interest in violation of the agreement or provide the interest calculation. I manage credit cards for a large company and have never had these issues with other credit card companies. I will be closing the card as a result of these issues with Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One - account number XXXX opened XX/XX/XXXX -- -- reported late in XXXX of XXXX - never been late XXXX - account number XXXX opened XX/XX/XXXX -- -- reported late XX/XX/XXXX XXXX, XXXX and XXXX of XXXX - never been late XXXX XXXX - account number XXXX opened XX/XX/XXXX -- -- reported late XX/XX/XXXX - never been late XXXX - account number XXXX opened XX/XX/XXXX -- -- this is not my account XXXX  - account number XXXX opened XX/XX/XXXX -- -- this is not my account 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy. 
US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. 

Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Failure to remove these accounts immediately will result in a {$1000.00} fine. 

Note that a copy will also be sent to FCRA.
Product: Debt collection

According to 18 USC 894- Collection of extensions of credit by extortionate means, to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years., or both.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act. 
The list of accounts below has value my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account names : XXXX XXXX Acct. Number XXXX. XXXX XXXX XXXX Acct. Number XXXX. Has violating my rights. 15 U.S.C 1681! Section 602 A states I have the right to privacy .15 U.S.C 1681605 A section 2 : it also states a consumer report, and she can not furnish 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, 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 report agency if the person knows or has reasonable call to believe that the information is inaccurate.
Product: Mortgage

I have been trying to facilitate a short sale for the homeower XXXX and XXXX XXXX. This file has been completed including values, sellers information and short sale docs needed for well over 30 days. I have lost XXXX buyers already. This file has been in progress for over 6 months and since our last buyer made their offer its been sitting there with absolutely no updates, no movement for over 30 days again. I have asked that the file be escalated and someone to call me back, but after XXXX separate attempts at that no one is still responding and the file still has not been reviewed by the underwriter. We are about to lose our XXXX buyer and US Bank is just holding our file hostage instead of working on the approval for the sellers. I need some help in getting this bank to do what they are required by law to do, which is respond to the seller in writing one way or the other within the guidelines set forth in the Making Home affordable act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts and inquiries that are hurting my general reputation as a consumer. I demand these bureaus XXXX, experian and XXXX to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature. attached is the list of items i wanted to delete and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX account # XXXX Has violated my rights 15 u.s.c 1681 section 602 a. States i have the right to privacy.

15 u.s.c 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding my repeated and unsuccessful attempts to correct inaccurate late open accounts and public records on my credit report. Despite my diligent efforts, these inaccuracies persist, causing significant damage to my creditworthiness. 

The issues I am disputing are as follows : XXXX XXXX XXXX Balance Owed : {$2100.00} ; XXXX XXXX XXXX  Balance Owed : {$1000.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX. 

I have taken the following actions to address these issues : I initiated my initial dispute with your bureau, providing all the necessary documentation to support my claims, including evidence of the inaccuracies related to late open accounts and public records. 

Subsequently, I followed up to inquire about the progress of my dispute and request updates on the investigation. 

Regrettably, the inaccurate late open accounts and public records remain on my credit report, negatively impacting my creditworthiness. 

The Fair Credit Reporting Act ( FCRA ) mandates the accurate reporting of consumer credit information. It is imperative that my credit report reflects my financial history accurately and does not contain any inaccuracies that could harm my financial standing. 

I kindly request that you investigate and rectify these issues promptly by removing the inaccurate late open accounts and public records from my credit report. Timely resolution of this matter is vital for my financial well-being. 

Please provide a written response within 30 days of receiving this letter, as mandated by the FCRA, outlining the steps you have taken to address these issues and any changes made to my credit report. Failure to address these issues within the specified time frame may lead me to escalate my complaint to regulatory authorities and seek legal remedies.

Enclosed with this letter are copies of the relevant documents, including my credit report with the inaccuracies highlighted and proof of previous dispute attempts and communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have explained to the creditors before that I didnt recognize these items on my credit report and that my identity had been stolen at one point about two years ago. I have also submitted disputes and they still have not removed any of these items. As they can see I have had fraud alert on my ssn for a very long time due to the situation of my identity being stolen. These inquiries are fraudulent and I would like them removed!
Product: Debt collection

PLEASE DO NOT GIVE THEM ANY personal INFORMATION ABOUT ME!!! They have sent me SEVERAL text messages and NOT addressed me personally ONLY my phone number. The only reason I am responding is that I have read online ( not from them ) that this should not be ignored and if it is, may be an admission of the dept. I contacted them and said I was not aware of any debts and asked for them to MAIL me details about this alleged debt but they didn't even have my name or address. They asked me for the address but I wouldn't give it to them and figured if I really owed, they would at least have my name. I then ran a credit report and saw NO reference to ANHY debt owed. 

This is regarding complaint : XXXX
Product: Debt collection

The collection agency ( VANCE AND HUFFMAN LLC ) never notified of this collection, which is a violation of the Fair Debt Collections Practices Act ( FDCPA ). This is not a refusal to pay but a notice that your claim is disputed. 

In addition, under the FDCPA, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and that some contractual obligation is binding on me to pay this debt.
Product: Mortgage

In XXXX or XX/XX/XXXX, we received a tax bill from XXXX in the amount of {$3900.00}. We assumed, because we were paying into escrow, that Freedom Mortgage was receiving our tax bill and would pay that tax bill from the escrow funds. We own two related parcels of land, a condo and a parking spot. This relates to the condo. 

On XX/XX/XXXX, we received a notice of delinquency indicating that the taxes had not been paid and that we would be incurring a penalty of {$130.00}. Not wanting to incur further penalties, we paid the tax bill and the penalty amount. ( Notices and receipts of payment are attached. ) Our mortgage is fairly new and our mortgage was sold to Freedom Mortgage shortly after obtaining it, so I assumed this was a wrinkle that could be easily worked out. I messaged Freedom Mortgage through their secure portal on XX/XX/XXXX. Their response was they would get back to me by XX/XX/XXXX. On XX/XX/XXXX, I provided an additional note about the penalty. Their message back said I would get a response by XX/XX/XXXX. I attached notices and receipts to all messages. 

On or about XX/XX/XXXX, not having heard back from Freedom Mortgage, I called their support line. I informed them of the issue and that I had not received a response. They told me I would receive a response shortly. 

On XX/XX/XXXX, I received a response through the message portal that " We apologize for any inconvenience this may have caused. We acknowledge receipt of the property tax payment and penalties. We have verified with XXXX XXXX that the taxes are paid current for parcel number ______. '' The response confirmed that payment had been made, but completely ignored the fact that it was paid because we paid it, not Freedom Mortgage, and that we had paid a penalty as well. 

On or about XX/XX/XXXX, I once again called the support line expressing the inadequacy of that response. The person I spoke too encouraged me to resubmit my complaint and to, once again, attach the documents. So, I did so. On XX/XX/XXXX, I resubmitted a message about my issue with all documents attached. Freedom Mortage 's response was that I would receive a response by XX/XX/XXXX. 

On XX/XX/XXXX, I received a response that ( 1 ) was addressed to the wrong client, ( 2 ) that misrepresented the penalty as being paid to escrow and not to XXXX XXXX ( 3 ) stating that tax bills from XXXX XXXX are for our information only, which should have been the case but obviously was not. 

Because this is a new mortgage and because Freedom Mortgage recently took it over, I was prepared to be very understanding. However, I am seemingly unable to get Freedom Mortgage to provide a response that is even coherent, let alone one that indicates my concerns/documents were read or understood.
Product: Debt collection

The company Portfolio Recovery Associates has fraudulently placed their information against my social security number and it's causing great harm to my report. I tried to explain to this company multiple times that this account is not mine as I have not signed a contract with them and the debt does not belong to me. This account is fraudulent and was made without my consent. They have sent no verification of debt or requested paperwork. This is the only thing on my credit profile that's holding me up and it's not my responsibility. Portfolio Recovery Associates is a scam and doesn't care about consumer rights. I am not obligated to pay this account as it's not mine. This account need to stop reporting against my social security number and be removed immediately from my credit report.
Product: Debt collection

I am filing this complaint to dispute an erroneous account reported by Jefferson Capital System on my credit report. This account does not belong to me, and I have no knowledge of any transactions or debts related to this account. Despite my efforts to resolve this issue directly with Jefferson Capital System, they have refused to remove the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered part of my transactions and experiences between your company and me. 
Please fix this account : CAPITAL ONE XXXX Balance : {$670.00} Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
Product: Checking or savings account

A Bank of America check for {$60.00} written on XX/XX/2022 was mailed. It somehow got into someone else 's hands and was altered. A new payee added. The amount was changed to {$18000.00}. The check was countersigned at XXXX XXXX XXXX bank and cashed. The altered check appeared on my account on XX/XX/2022. Five days later I saw the fraudulent check entry and immediately notified Bank of America and filled out all the documents they asked for. The account was frozen and all the other checks that were in transit bounced. I paid the merchants who had bounced checks from a new account which included extra fees. It has now been fifty six business days for the bank to investigate and return my {$18000.00}. They insist they have ninety days and refuse to share with me any firm update on how their investigation is going. 
The fraudulent activity is obvious but the bank seems to feel no responsibility to make me whole in a timely fashion.
Product: Mortgage

I 'm Up to date on all taxes however I have been contacted by my loan servicer collections department asking for evidence of my assessment bill and have spent time downloading my tax bill ( Perhaps they can not do the same ) and sending it in good faith via U/S mail only to come home today to receive another request from the same department my concern is the reputation of loan servers with past mass fraud I wanted to bring this incident to your attention I will not a victim of there fraud.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2019 and 60 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Debt collection

I filed a complaint with your agency CFPB against Medical Data Systems complaint ID # XXXX on XX/XX/XXXX my complaint stated that medical data systems has continued to place collection accounts on my credit reports reinserting changing account names or amounts slightly to slip by the credit reporting agencies. These collection accounts where on my XXXX  credit report XX/XX/XXXX after dispute and reinvestigation the accounts remained unchanged until I filed a complaint with CFPB and XXXX   and wrote a letter to Medical Data Systems informing them I was going to take legal action because of their deceptive and unfair collection practices. This collection agency attempted to collect on {$16000.00} with a total of 26 separate accounts all being medical. I am unsure if this is the companies attempt at defrauding the Veterans Administration because of my XXXX XXXX XXXX status, or just an attempt to defraud me personally. This complaint will be followed with a complaint to the Attorney Generals Office here in Texas and if nothing is done to prevent this from happening again to me or other Americans in general I will personally hire an attorney and see that this company answers for their deceptive and criminal ways of doing business.
Product: Debt collection

The car loan in question is past due, due to waiting on the insurance company to pay off the totaled car.They start calling at XXXX XXXX and the calls stop at XXXX XXXX, my problem is the almost 16+ phone calls in between.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, XXXX, I was notified by email from XXXX that there was a change/hard inquiry on my 3 times from XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX and JP Morgan . I am unsure of the amount. XXXX Fraud dept. was able to remove the hard inquiries. I put on extra verification for the year. However another hard inquiry from a debt company was made in XX/XX/XXXX. XXXX was able to remove as well. There was also false numbers on my account and 2 cars identified on my report.