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

To : XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX Subject : Request for Investigation and Deletion of Late Payments Dear XXXX XXXXXXXX, I am writing to formally dispute the late payment entries associated with my credit card account ( Account Number : XXXX ). The reporting of these late payments contains inaccuracies and fails to meet the standards required by federal law. I am requesting a thorough investigation into these entries and prompt correction of my credit file. 

Key Information for Review : Account Holder : XXXX XXXX XXXX Limit : {$1500.00} Balance ( as of XX/XX/year> ) : {$1600.00} Reported Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  days Under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), Truth in Lending Act ( 15 U.S. Code 1666b ), and Regulation Z ( 12 CFR 1026.13 ), I request your attention to the following : Verification of Reporting Accuracy : Payments reported as late must be verified for accuracy. Under 15 U.S. Code 1681 ( 2 ) ( Xi ), only accurate, complete, and verifiable information may be reported to credit bureaus. 
Billing Error Resolution Compliance : Payments may have been incorrectly classified as late due to errors in billing or reporting. As outlined in 12 CFR 1026.13, any billing error must be fully investigated before reporting late payments. 
XXXXruth in Lending Compliance : Payments received within the agreed-upon grace period must not be treated as late. Any late reporting in conflict with 15 U.S. Code 1666b constitutes a violation. 
Discrepancies Identified : Payment records do not align with the reported late payments. My last payment was made on XX/XX/year>, yet the account is inaccurately shown as 3090 days late in multiple months. 
The account shows a past-due balance of {$130.00}, which may have been caused by discrepancies in posting payments rather than a legitimate delinquency.

Actions Requested : Conduct a complete investigation into the accuracy of the reported late payments. 
Provide documentation that verifies the legitimacy of the late payment reporting, including payment posting dates. 
Remove all incorrect late payment entries from my credit report. 
Confirm the results of your investigation in writing. 
Supporting Documentation Attached : Credit report highlighting the disputed entries Payment history records Correspondence or receipts related to payments I look forward to your response within 30 days, as required under federal law. If you are unable to provide sufficient evidence to validate the late payment reporting, I expect the information to be promptly removed from my credit report. 

Thank you for your immediate attention to this matter. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I filed a dispute on XXXX XXXX XXXX due to. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ).

They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting house. Experian violated my rights as a consumer, as well as federal laws.
Product: Mortgage

I filed a complaint with the CFPB in regards to Bank of America. I am filing another complaint against them for the response I received. Initially I had included the 2nd mortgage in my bk which was discharged. Later I was told that the lien for the XXXX remained in tact and that I was responsible but the property was not. That I could live there, not pay -- - but if I sold or moved, I would have to. 
My complaint with BOA is that when I called to resolve this issue, I was told that unless I short sold the property BOA does not settle balances, does not waive fees and does not wave late charges. 
I want to stay in my property, I do not want to short sale. I can not pay 7 years of late fees, and 7 years of past due interest. They are trying to charge me $ XXXX in fees. If I am not responsible for the debt, why is it me they want to charge these amounts to? 
MY ORIGINAL COMPLAINT # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Initial Date of Debt - XX/XX/XXXX Original Debt Amount - {$660.00} Remaining Balance - {$680.00} Company - Affirm LLC Bank Information XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX XXXX  XXXX Bankruptcy Bankruptcy Filed - XX/XX/XXXX Amendment Bankruptcy Filed - XX/XX/XXXX Bankruptcy Order of Discharge - XX/XX/XXXX - Judge XXXX XXXX I initially contacted the company on XX/XX/XXXX inquiring that this debt was included on my list of discharged debts, from my bankruptcy that was discharged a few months prior. I received an email from XXXX XXXX, stating that and I quote from the email " I can confirm that loan ****** was charged off on XX/XX/XXXX. Per the records provided your bankruptcy was filed on XX/XX/XXXX, and this debt was included '' after that email I submitted a dispute with the XXXX Credit Bureau, It was received back that the information was correct on my credit report and it remains. 

On XX/XX/XXXX I messaged Affirm Customer Service inquiring about this again why it still remains on my credit report as charged off and nothing noted as being Discharged thru XXXX  XXXX Bankruptcy like the other loans I had from the same bank. 

On XX/XX/XXXX I received a reply back from XXXX XXXX, from Affirm Help Center stating and I quote " Due to you notifying us of your concern, we are conducting an investigation to ensure that any inaccuracy is corrected. '' On XX/XX/XXXX I was contacted again via email by XXXX XXXX from the Affirm Help Center and it stated " We have investigated any credit reporting implications as a result of your recent claim, and have taken steps to ensure that your credit report is accurately updated. Please allow 3-5 days for this to update on your XXXX Credit Report. '' I replied with inquiring what the update was on the same day with no response till XX/XX/XXXX On XX/XX/XXXX I received an message from XXXX XXXX, from the Affirm Help Center and it stated " I am reaching out regarding the credit reporting for your Affirm loan *********. I understand there was confusion regarding this and i'd be happy to clarify this. ******, we have taken steps to ensure that your loan *********** was correctly reported to the credit bureau as having been included in your bankruptcy. '' I submitted at least twice to XXXX that this account should be showing as Discharged with XXXX  XXXX Bankruptcy, and every time they investigate the dispute it comes back with " Please Contact XXXX XXXX '' and will still show as remains. Most recent report generated by XXXX on XX/XX/XXXX it still shows on there as it was certified to XXXX that the report and information accurate when all of the other accounts from the same bank and same debtor all show " Discharged through Bankruptcy XXXX XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off credit card account with XXXXXXXX XXXX but received notice of adverse action for not making payments. When I contact XXXX regarding the adverse action they tell me that I only have one account listed under my social security number and that the balance is {$0.00}. 

However when contacted by Transunion they changed the account to my name. When I called today XX/XX/2022 at XXXX am pst, I am told again that there is only one account under my name and that account has a balance of {$0.00}. 

How do I resolve the issue of an alledged delinquent credit card with XXXX when I do not have the account number and XXXX says it can't find the account.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, PNC BANK has violated my rights.

Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states a consumer reporting agency cannont furnish an account without my written instructions.

Under 15 USC 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. 

Please remove this late payment dated XX/XX/year> and update this account immediately as you are in direct violation of several laws under the Fair Credit Reporting Act.
Product: Vehicle loan or lease

They came early in the morning and towed the truck from our driveway without any type of warning .This was a 6 month extended lease from a two year with them, their was no late payments with only two payments left on the truck. We had been leasing with the same dealership for the past 15 years with no problems. When we found out Ally had taken the truck they would not give us a reason for taking it .We later found out that some of our payments were going to another account with our name on them .because we have proof from our bank that they cashed the checks and deposited them in their account .They also would not give us our personal property that was in the truck that was in the est. amount of {$2000.00}.
Product: Mortgage

Nationstar has refused to release my much needed insurance claim funds that are required to repair my fire damaged property. Have spoken with countless agents in the Loss Draft Department and managers in the corporate Customer Service Department only to be given a further run around. Nationstar has held on to these funds for over a month now without releasing any funds for the remediation of my property. Had been told that the reason they ca n't release the funds to me is because the state of Virginia where I live requires a licensed contractor to do the repairs. Title XXXX in the code of Virginia allows for Homeowners to repair their properties without the need for a contractors license. This has been a very horrendous experience and definitely is a bad faith and deceptive practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I forwarded a correspondence a to Equifax, on XX/XX/2019. I forward them all supporting documentation because this account is a result of identity theft, I have not heard back from Equifax in over 30 days, they failed to validate the mentioned account, they failed to respond to my request to investigate, nor have they deleted the account per Section 605 ( B ) that this account be Blocked or Deleted resulting in Identity Theft Section 15 U.S.C01681-C-2 ). 
The account is XXXX XXXX is a result of identity theft.
Product: Credit reporting or other personal consumer reports

I am rewriting to formally address multiple unresolved issues with the information on my credit report, despite previous communications and disputes I filed regarding inaccuracies. I initially reached out to EQUIFAX to correct discrepancies in my credit report, including errors with the dates of last payments, dates accounts were opened, payment history, and account status. After providing you with supporting documentation, I was assured that an exhaustive examination had been conducted. However, as of today, my credit report remains unchanged, and the errors I reported are still present. Furthermore, I have noticed that negative actions have been taken on my credit report, despite the unresolved inaccuracies. My full name is XXXX XXXX XXXX, and my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. My date of birth is XXXX.As a consumer, I have the right to dispute inaccurate or incomplete information on my credit report under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681e ( b ), EQUIFAX is required to maintain reasonable procedures to ensure the accuracy of the information provided. Since I submitted clear evidence of inaccuracies, your failure to correct these errors constitutes a violation of this requirement. Under 15 U.S.C. 1681i, when a consumer disputes information on their report, EQUIFAX must investigate the dispute within 30 days. It has been over 30 days since I filed my dispute, and I have not received any update or resolution. This delay in investigation and failure to provide a clear response is a violation of my rights. Additionally, under 15 U.S.C. 1681 ( a ), my right to privacy is protected, and under 15 U.S.C. 1681b, a consumer report can not be furnished without my written consent unless specific exceptions apply. If any information from my credit report has been accessed or shared with third parties without my explicit consent, this would also constitute a violation. I ask that you confirm whether my written consent was obtained for any recent report disclosures. As part of my efforts to resolve this matter, I filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX. I trust that EQUIFAX will cooperate with the FTC in addressing these issues, as required by law. To resolve this matter promptly, I request that you conduct a thorough reinvestigation of my credit report, specifically addressing the inaccuracies in the dates of last payments, dates accounts were opened, payment history, and account status. I also request that any erroneous information be corrected or removed immediately. Furthermore, I ask for a detailed written response outlining the steps taken to correct these inaccuracies and actions taken to ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will be forced to consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and a resolution within the legally required 30- day timeframe.
Product: Debt collection

They call all day long even after XXXX. The call while I 'm in class and I 've been kicked out of class several times because they call back to back and it disrupts my class! They all weekend as well!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had problems with this company in previous and your agency helped me out. Thank you. I have another issue wherein they are deliberately reporting negative late payments from XX/XX/XXXX when I placed them on notice of my XXXX status in XX/XX/XXXX and they refused to assist me as a XXXX XXXX XXXX and attempted to accelerate foreclosure so I would have no place to live upon returning ftom a very dangerous XXXX tour. It is now 3 years later and the late payments from XXXX-XX/XX/XXXX still show on my credit report wherein I qualified for XXXX at the time. I am in the process to try to get my finances in order and this account is the Only account showing Derogatory and my attorney has written letters to the credit bureaus and even XXXX and it appears my request are falling on deaf ears. Please help me remove VERY old late payment DATA from this company as it appears it is being done with ill intent yo prevent me ftom refinancing my home loan to another company with favorable rates and from obtaining favorable employment.
Product: Credit reporting or other personal consumer reports

I disputed all items on my credit report on XX/XX/ including credit inquiries. As of this date it has been over 30 days and I have not received a response from XXXX and Transunion. I asked that all accounts showing on my account be verified as correct and they have not responded as of this date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am creating this complaint because I am attempting to remove negative items from my credit report that I have no recognition of. I have explained to all 3 credit bureaus XXXX, Transunion and XXXX of the following accounts inaccuracies and for them to be removed. They responded that the information was accurate and it will remain on my report. 

Account Inaccuracies : Account # 1 : XXXX XXXX XXXX XXXXXXXX .... 

Account # XXXX : XXXXXXXX XXXX XXXX  XXXX XXXX .... 

*These 2 accounts were identified as fraud and I have asked for them to be removed across all 3 bureaus if they can not provide any information that these accounts were in fact mine. 

Account # 3 XXXX XXXX XXXX .... 

*This account was categorized with the 2 accounts above and was removed by XXXX. Neither XXXX or Transunion has removed the account. 

Residence Inaccuracies : Another reason I believe that this information is inaccurate because there are multiple addresses across each bureau that I have never used for credit purposes. 

Address # XXXX : XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Address # XXXX : XXXX XXXX XXXX XXXX PA XXXX XXXX Inquiry Inaccuracies : Account name XXXX XXXXXXXX XXXX  Date of request XX/XX/XXXX Account name XXXX XXXX XXXX Date of request XX/XX/XXXX *These inquires are not reporting to all 3 bureau and I do not recall Inquiring about these loans/cards. I asked for these to be removed because I claimed these as fraud.
Product: Credit reporting or other personal consumer reports

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file.

Otherwise, anyone who has stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. Assuming you do not possess such credit report inquiry authorization, I request that you remove the unauthorized inquiry from my credit report ( s ). I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my request.
Product: Credit reporting or other personal consumer reports

I paid the debt and for one they never emailed me a receipt. Then they keep reporting it as a charge off after I paid them. They refused to report it as paid or even delete it. It still negatively impact my credit.
Product: Money transfer, virtual currency, or money service

I use XXXX and other linked accounts for everything. Me, along with everyone I know will switch banks if we can no longer link accounts. My kids all have XXXX cards. I transfer money to their accounts for allowences, babysitting, etc. Daily. This is not ok to suddenly just stop allowing linked accounts.
Product: Credit card

In XXXX 2015 I requested an e-mail receipt from a vendor. Today after using the same credit card I used in 2015 at a business I had never been to before, I received an e-mailed receipt When I made the purchase today they did not ask if I wanted an e-mailed receipt, nor did I provide them with my e-mail address. 
After receiving the e-mail today, I searched my e-mail archives and found that the common link is that both companies use " XXXX '' for payment processing. 
It was a huge surprise to me that this business ( XXXX ) I know nothing about had linked my credit card number to my e-mail address. They clearly stored both my credit card number and my e-mail address to use over a year later without my explicit permission or knowledge that this was occurring. Since I am not comfortable with this business practice, I searched for a way to remove both my credit card and e-mail from their databases and could find no such option. It appears that in order to manage my information with them I have to sign up for an account which would require providing more personally identifiable information, which I am reluctant to do. They already have more information about me than I want them to have. 
This feels like an extremely inappropriate way to use my credit card information and my e-mail address. I will no longer be using any credit cards at any company using " XXXX XXXX '' for payment processing. However I also wanted to report this to you since I most definitely consider this a bad business practice, and possibly illegal since they did not obtain my explicit consent to capture and store my personal information. 
As I researched this company, I identified a separate inappropriate business practice from this same company. I receive a ton of e-mail spam from another of their brands ( XXXX ) at my work e-mail. I do n't believe I have ever provided my work e-mail address to this company so these two things may be unrelated. The common link is same company with multiple inappropriate business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in school and I am still currently in school. However, SALLIE MAE has added late payments when they should have differed. Multiple times, I have asked for that to be corrected, but they continue to refuse to remove the late payments. 
I was at Florida XXXX XXXX from XXXX for my XXXX XXXX XXXX for my XXXX XXXX, and currently obtaining my XXXX starting XX/XX/2022. 

Furthermore, under 15 USC 1681, I never consented to share my information.
Product: Money transfer, virtual currency, or money service

I have a small business account with TD bank, NA as of XX/XX/XXXX. I went to the XXXX XXXX XXXX XXXX  NY XXXX, branch to obtain 2 certified checks.The TD Bank Teller ( XXXX XXXX ) and Assistant Manager ( XXXX XXXX ) refused to allow me to take money out of my business account and disburse two cashiers checks. Refusing to accept my current state ( EXP.XX/XX/XXXX) issued NY drivers ID and setting a higher standard for confirming identify by requesting I provide a passport and social security card. No effort  was made to verify that I was a signatory on the account, EIN, location of business, last deposit amount or total of monies in the account. They profiled/using bias/racism against me and refused me service and access to my small business account. As a XXXX owned business I took offense at the TD reps conduct where they claimed they did not care if I had an account or withdrew my money to close the account. I had to leave the business without obtaining the service I was guaranteed as a customer of TD Bank. I contacted my business relationship manager afterward and he confirmed only by a state issued driver license was needed for the transaction.
Product: Credit reporting or other personal consumer reports

This company is reporting inaccurate information on my credit report
Product: Credit card or prepaid card

I am in the process of reducing my debt. A major focus was this particular credit card. I transferred my entire cash flow to make a monthly payment expecting to have access to my credit limit. Within a few days of this payment while away from home my limit on this card was reduced effectively stranding me away from home. I made 3 calls to the card company and they refused to explain why this happened and that a letter has been sent to me explaining why. Ive received no assistance from them in regards to an explanation. Im currently stranded and struggling. I will be okay but I feel as though I have had a large amount of cash taken from me. I would never have made that large a payment at this time if I had known I would not have have had access to it.