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

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payments on XXXX XXXX XXXX Account Dear CFPB Representative, I am writing to formally file a complaint regarding inaccurate late payment information reported by XXXX, Experian, and XXXX on my XXXXXXXX XXXX XXXX account. These errors have caused significant harm to my creditworthiness, and I believe the reporting practices violate the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 
Account Details Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan High Balance : {$43000.00} Date Opened : XX/XX/XXXX Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Current Balance Owed : {$0.00} Nature of the Complaint Inaccurate Reporting of Late Payments The following late payments have been inaccurately reported across the credit bureaus, despite my consistent on-time payments : XXXX : 30-day late payments reported for XX/XX/XXXX and XX/XX/XXXX. 
XXXX and Experian : 30-day late payments reported for : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These late payments are erroneous as I have been enrolled in autopay for this account since its inception, ensuring all payments were made on time. 
Account Discrepancies In addition to the late payments, the following inconsistencies exist in my credit report : Closed Date Discrepancy : XXXX incorrectly reports the closed date as XX/XX/XXXX, while XXXX and Experian report it as XX/XX/XXXX. 
Payment History Errors : XXXX reflects fewer inaccuracies compared to XXXX and Experian, yet all three bureaus fail to provide a consistent, accurate account history.

Violation of Federal Consumer Protection Laws The errors and inconsistencies in my account reporting constitute violations of : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : Obliges credit reporting agencies to ensure maximum possible accuracy.

15 U.S.C. 1681s-2 : Mandates furnishers of information to report accurate data.

Fair Debt Collections Practices Act ( FDCPA ) : Misrepresentation of account status violates my consumer rights.

Truth in Lending Act ( TILA ) : Requires accurate reporting of financial information to protect consumers.

Requested Resolution To resolve this matter, I respectfully request the following : Immediate Correction : Remove all inaccurate late payments from my credit report across XXXX, Experian, and XXXX. 
Payment History Adjustment : Update my account to reflect 100 % on-time payments for the entire reporting period.

Confirmation of Resolution : Provide written documentation confirming that the corrections have been made within 30 days of receiving this letter. 
Failure to resolve these inaccuracies may result in further action, including formal complaints to other regulatory bodies or legal remedies under the FCRA.

Thank you for your prompt attention to this matter. I look forward to your confirmation that this issue has been resolved. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Identity Theft account. Never had a account with XXXX XXXX XXXX. File disputes in 2023 and no response. Did not provide signature proof of allegations of account. 

Account is in violation of FCRA Act and identity theft. Never open any account with XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account from my report. It is hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent accounts shows on my credit report
Product: Credit reporting

This is happening with alarming frequency with XXXX of the credit report bureaus : they simply refuse to show my credit report online when it 's time for my free check-in ( I keep them on a rotating schedule in my calendar, so I know when it 's been a year since each report ). THis time is Experian ( XXXX is the other frequent refuser ) Instead, they suggest I fill in a very long form, attach many documents and send in a snail mailed request. I am sure this would not happen if I was willing to pay for my report.
Product: Checking or savings account

I contacted a seller on for tickets to a play. She stated her name and that once I transferred her money via XXXX and she saw the pending payment she would sent me the tickets. I transferred her money through XXXX. I used Chase. She gave me her name, email address and phone number and mentioned that her and her boyfriend had bought them but weren't able to make it. She said this was the service he was most comfortable with. Since I had used it before and he gave me all the details I wasnt that concerned with it. The transfer went through. She text me about 15 minutes later to confirm she received the money and said she " sending the tickets now ''. .. About 30minutes went by and I didnt receive them. I had tried calling her back, and immediately a recording saying " your number has been rejected ''. I had my boyfriend text the same number asking if tickets were still available, she replied " sure are '', he asked for a screenshot of ticket details and she never replied. After contacting Chase bank they told me they couldn't do anything to stop the pending transaction ( they wouldn't even file a dispute against it ) and because I authorized the payment that " it would be like handing them cash ''. They suggested I call XXXX. So I asked them if this is a service provided by the bank and they are providing this to their customers what are they doing to protect their clients. XXXX 's customer service number prompts you to select an option whether your are calling due to an issue associated with a transaction made through bank app or online ; once selected their recording simply states to contact your bank.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention an issue I have recently discovered on my credit report that requires your prompt assistance and resolution. Upon reviewing my credit report, I noticed that there are late payments inaccurately reported on the account mentioned above. Im very confused why this one seems to ignore my requests. These late payments are not reflective of my actual payment history with the creditor, and I believe there may have been an error in the reporting process. 

XXXX XXXX XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX  customer service. 

I understand that maintaining an accurate credit report is crucial for financial well-being, and I am confident that this matter can be resolved amicably. I kindly request your assistance in correcting this discrepancy promptly. 

I appreciate your prompt attention to this matter and believe that with your assistance, we can rectify this situation efficiently. A correct credit report is essential for various financial transactions, and the accuracy of the information is crucial for maintaining my financial integrity. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution, and I trust that you will update my credit report accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loan was put on my credit report without my consent
Product: Credit card or prepaid card

I bought the card at XXXX it wouldnt work, I went back to XXXX they called american express/XXXX XXXX spoke with someone there gave them the number of the card and gave them the las 4 of my social security, my mail. said there was {$500.00} 0n the card.I left went to choice wireless. When i got home i couldnt find the card. I called serve and got some stupid person on the phone couldnt help me I ask to speak to a mgr. I got a lady named XXXX. I gaver her my social security last 4 and  email address. she said their was XXXX on the card and put a block on it. She gave me a fax number to fax my XXXX reciept acopy of package the serve card came in then call back and give them a physical address beause they don't except P.O. Boxes. I called back got some guy on the phone with half.he said a new card has been made for XXXX, NV I tried to give him a physical address and he kept asking me for a pin # Which I don't have then he hung up on me. I have tried calling back and all i get is automated garbage was never able to speak to anyone.I want my money I have bills I have to pay.
Product: Debt collection

FMS inc just showed up on my credit with no mail no email no calls to me to inform me of this debt
Product: Credit reporting or other personal consumer reports

The credit bureaus are not giving me my free reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I have no idea who could of done this to me. As I pulled my report, I saw an outrageous amount under my name that are not mine. Please delete these items from my report. XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX, XXXX XXXX {$65.00} XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$230.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$6700.00} XXXX XXXX XXXX {$620.00} XXXX XXXX  XXXX {$120.00} XXXX XXXX XXXX {$120.00} XXXX XXXX {$710.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan with Faye servicing belongs to XXXX XXXX. XXXX XXXX did not sign the promissory Note or mortgage. Please remove from my credit
Product: Debt collection

Company comenity originally had debt, debt was paid and account is stating charge off was paid and stating in credit report written off {$620.00} this is inaccurate information and I contacted company they informed me to reach out to XXXX XXXX XXXX informed me they would remove inaccurate information they failed to remove this and this account has been paid off and satisfied.
Product: Credit reporting 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, Affirm # XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX 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: Debt collection

I have repeatedly, going back to the begi nning of  XX/XX/XXXX  have as ked  ProCollect Inc. , out of  XXXX , TX to provide documentation validating the debt " they say '' I owe. I have had fraudulent activity happen in the past and that is my main concern here. I was called several time i n  XX/XX/XXXX , b y a  XXXX   XXXX  and once by a  XXXX   (  that I remember and HEARD correctly because they sound so unprofessional ). They demanded that I pay almost  $ 5K f or an apartment that was listed under my father 's ( now deceased  )  girlfriends name. I have been trying to take care of this debt for several years now. I have wrote several letters to the company and asked several times over the phone stating " please send all of the documents showing I owe this debt, including the lease copy and all other supporting documents. '' This debt is now approaching 7 years in 9 months and I am still dealing with the unprofessional, rude phone calls. When I called a few weeks ago and spoke to  XXXX   (  around   XX/XX/XXXX  a bout    XXXX   XXXX    CST ), she verified who I was and said " are you willing to making payment in full today? '' I said well " hold on, '' and went on to explain the story and tried to get the supporting documents.  XXXX  ended up hanging up on me twice, since I was n't making payment that day. She did n't say anything about sending me the supporting documents either. I am starting to get really frustrated with this company, their lack of professionalism, they 're always super rude, demand money and if you do n't have the money then they hang up on you. I have now sent an email to th e Sr. Account Executive ,  XXXX   XXXX  because I was n't allowed to have his direct line. I have tried to have  XXXX   XXXX  or  XXXX   XXXX  call me back also, I have heard NOTHING. I am getting ready to call  XXXX   XXXX  if I am unable to get the supporting documents showing that this debit is in fact mine. If my name was forged on any documents then I will have NO OTHER CHOICE but to take ALL parties to court and that 's a PROMISE. I have a twin brother and there 's been times when stuff gets filed under the wrong name or fraudulent activity happens due to our names being very similar. I have tried and tried to play nice but I am n ow filing complaints with everyone including the FTC, CFPB, AG, SOS , BBB, De  pt of Licensing.
Product: Money transfer, virtual currency, or money service

I opened PayPal account and had my unemployment benefits sent .now they froze my account with XXXX dollars in it and tell me I can use paypal Anymore .will not allow me to access my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent letters to all 3 credit bureaus telling them that there was a lot of incorrect information on my credit report. Any inaccurate information must be deleted. Theyre breaking the law by reporting inaccurate information on my credit report. Ive tried calling numerous times but that didnt change anything. There are multiple accounts on my credit report that are showing different opening dates and balances across the different bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Private student loan showing as in default/in collections. Chapter XXXX bankruptcy was filed 2 years ago and this item still shows up. Currently in process of trying to obtain approval to obtain a mortgage to purchase first home via VA loan and this is causing serious issues
Product: Money transfer, virtual currency, or money service

paypal monitors tracks XXXX activity account holder balances a refund of XXXX dollars received for the sale of the vehicle XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Member id XXXX ( Feedback Score Of 21Yellow star icon for feedback score in between 10 to 49 ) 100.0 % XXXX XXXX ( Contact Member ) Available Quantity : XXXX Shipping cost : See description Buyer Zip : XXXX Tracking number : [ Add ] Watch Count : 8 XXXX note : An unpaid item case is open for this transaction. {$800.00} Buy It Now See description XX/XX/17 Checkout complete paypal has closed the account after receiving XXXX dollars making it unavailable
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, TransUnion has violated my rights. 

Credit Inquiries : XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXX XXXX XXXX XXXX Bank ) XXXX XXXX, XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave these written instructions. & also. I did not authorize the above inquiries.
Product: Credit reporting

Filed disputes against XXXX XXXX XXXX about collections containing in accurate information. Investigation took longer than 30 days and Equifax report as correct by verification through an online 3rd party system and did not speak to original creditor to verify the debt. XXXX was able to delete these same accounts and was unable to get the correct verification so they actually removed them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this request about the inaccurate account on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the account on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX Balance : {$8300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My Fair Credit Reporting act consumer rights have been violated. The accounts listed below have violated my federal given consumer rights to privacy amongst other things. 

5 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I was viewing the details of my credit report and I saw that XXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX had some inaccurate accounts on my file that I don't recognize. I was looking at the FDCPA, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you are unable to provide me a copy of the verifiable proof, of this information.
Product: Mortgage

I recently applied for a XXXXXXXX loan for the first time through bank of America. during the application process they said it was time to pay for a property assessment on XX/XX/23 and I needed to pay them XXXX. I asked XXXX their loan person if i should pay it at that time and was the loan looking in my favor. she stated that my employment was already verified and i should pay it so i did with my debit card for bank of America. the next day I was told that my loan was denied that I i had not told them my XXXX  was temporary, I stated i told them several times that i was a traveling XXXX XXXX with continued employment from a permanent position with only a few weeks between my last job and that i had XXXX years in same field, I have been with my current job for XXXX  months they said i put on pre-qualify application i had same employer for XXXX years which is not correct but i have been working for several years prior and no where did the application did it ask if i was a traveling or contract employee. i said have worked for current several years prior in XXXX. I mentioned to them several times to listen to the recorded conversation and that their employee stated this had already been checked before i had paid the money. why would they do that before i was approved. i feel like they coerced me into paying this fee early. i offered more money down they refused. i mentioned removing money from my auto loan through them they refused. XXXX XXXX became very rude and abrupt while i asked for a refund telling me its because of my income which is huge and then because of my employment and because i didn't say i was a temp but they had my pays stubs from the get-go. then today XX/XX/XXXX XXXX  days later they sent me forms dated today with forms of loan basically appearing that i received the loan " loan estimate with his name on it for me to sign. very upsetting thinking maybe i was approved so i called the realtor to stop the termination. I was wrong he stated " I told you You were denied because of your income '' i understand them refusing the loan but believe that them having me pay for a property assessment that that they knew i was denied for was uncalled and uncaring. what am i going to do with an assessment on a place i can not get the loan for. I have been taken advantage of and swindled by this bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Lendmark company has falsely reported me to XXXX  and XXXX  that I am owning {$1.00}, XXXX. My records show that I have paid off my loan to this company. I paid off my loan of {$8100.00} on XX/XX/XXXX following some advice by the company customer service staff. On XX/XX/XXXX, I was approached that I owed an interest of {$91.00} which I also paid immediately. My bank account can confirm these payments. I also sent a letter to the office location in XXXX to confirm that I have totally paid my loan, but I did not receive any response from this company. On XX/XX/XXXX, I had a telephone conversation with one of their managers Mr. XXXX XXXX about this concern and he apologized and assured me that he would discuss the problem with his supervisor and get back to me, but he never did. Instead, the company sent a report to credit companies claiming that I missed payments which has adversely affected my credit history. 
I would appreciate if you could please investigate this matter.
Product: Mortgage

I applied at Wells Fargo for a home loan for XXXX. I XXXX XXXX XXXX and I wanted to move to Florida. I finally found a house under XXXX so I immediately jumped on it Wells Fargo said 3.6 interest rate than a week before closing they decided this is an investment property even though I'm living there more than 9 months out of the year. XXXX XXXX XXXX than changed the interest rate a day before closing to 6 percent. Than I called them to figure out why and they said no was reason to do that and they will change it back. Now they have it at 5 percent and made me extend the closing and the seller almost walked away. They literally try to ger XXXX extra on a XXXX house and than got caught and now they are jerking me around. My son 's wife is pregnant and she was suppose to move in with me but they are trying to take advantage of women not looking at the numbers for interest rates. 
XXXX XXXX also called me and tried to make it seem like all they did was change the closing costs but they XXXX  107 interest rates. I have all documents to prove they tried to take advantage of the elderly and women