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

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on XXXXXXXX XXXX XXXX Account Dear CFPB, I am filing a formal complaint against the credit bureau Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXXXXXX account. Despite my previous disputes submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the inaccuracies remain unaddressed, violating federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Details : Account Number : **** High Balance : {$3800.00} Last Verified : N/A Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$29.00} Closed Date : N/A Account Rating : Open Account Description : Individual Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Open Payment Status : Current Creditor Remarks : Customer disputed account - reported by subscriber Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Credit Limit : {$10000.00} Issue Summary : The late payment reported for XXXX and XX/XX/XXXX on Experian is inaccurate. This account has no history of payments being late, as evidenced by the payment history data. 
Specifically : Experian erroneously lists a XXXX late payment for XXXX and XX/XX/XXXX, despite no supporting evidence of this delinquency. 
Violations : FCRA Violations : 15 U.S.C. 1681i ( a ) : Credit reporting agencies must ensure the accuracy and completeness of information in consumer reports. Experians failure to investigate and correct this error violates this provision.

15 U.S.C. 1681e ( b ) : Credit bureaus are required to maintain accurate information. The discrepancy indicates non-compliance.

TILA Violations : 15 U.S.C. 1666b : Creditors must send periodic statements at least XXXX  days before the payment due date. The reported late payment suggests a failure to comply with this requirement, as I received no prior notice of any overdue payment. 
Protection Against Non-Payment of Obligations Act ( XXXX ) : This act reinforces the responsibility of creditors to provide timely and accurate statements. The reporting of an unfounded late payment contravenes these protections. 
Evidence : Attached to this letter, I have included : Screenshots of the credit report from Experian showing discrepancies. 
Copies of my previous dispute letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Payment history records demonstrating no delinquency for XXXX and XX/XX/XXXX. 
Resolution Requested : Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation of the correction by Experian. 
Assurance that procedures will be implemented to prevent similar errors in the future. 
If this issue is not resolved within XXXX  days, I will pursue additional legal remedies, including filing further complaints with relevant regulatory agencies. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

My homeowner 's insurance is escrowed per my final signed closing disclosure. I received notification from my insurance company that a payment is due for {$940.00} for the year. I also received a letter from my mortgage servicer ( Truist ) to contact them immediately regarding cancellation of insurance. The reason my insurance was being cancelled is due to the annual premium not being paid by my mortgage servicer. There is currently {$3000.00} in my escrow account per my most recent mortgage statement. When I called Truist, they informed me my homeowner 's insurance is NOT escrowed, even though it does show escrowed on my final signed closing disclosure. The letter Truist sent me also has my insurance policy number on it so I know there was some kind of communication between Truist and my homeowner 's insurance ( XXXX XXXXXXXX XXXX XXXX XXXX ). Truist is now saying they are force placing their own homeowner 's insurance because they received notification of my cancelled insurance, but their insurance is more expensive than mine. They informed me there is no way around this and that it is my responsibility to make sure the insurance is paid and my property is always covered. However, I signed the closing disclosure stating my homeowner 's insurance premium would be paid from my escrow account and that the reason the insurance was being cancelled is because they have not yet paid the annual premium from my escrow account. I spoke with a representative on XX/XX/2023 with all of this information and they are going to call me back tomorrow or the next day to follow up with me. 

I do not believe it is fair that I have to pay a higher insurance premium that Truist is force placing because Truist failed to pay my homeowner 's insurance on time.
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.

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: Credit reporting or other personal consumer reports

A credit reporting company and XXXX did noy notify me about a debt that I owed on equipment that I returned. They said they did not receive it. I have what I sent back to them with serial numbers and XXXX sent it back to them but I did not get the credit. I recently got a notice from my credit monitoring service that they had lowered my credit rating by XXXX points. I immediately paid XXXX even though I had returned the equipment. I want them to both withdraw there claim to XXXX and the other credit agencies. 

I had no notice of the XXXX XXXX XXXX or XXXX telling me that they did not receive my equipment. I have excellent credit ( over XXXX ), and now it is trashed with me not able to remedy before they did this.
Product: Debt collection

In accordance with the Fair Credit Reporting Act GRANT & WEBER INC, 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I wanted to buy a nice meal for my family on XXXX  and contact this lady and she insists on using XXXX to pay her {$180.00} and said I am in front of the post office and will send you the tracking number for the shipment right away. I was hesitant but noticed it was available through WELLS FARGO WEBSITE, so I figured it must be a trusted app and that WELLS FARGO BANK would stand behind anything that is available right there in their WEBSITE! Right after I sent my payment, the seller stopped responding to me and would not answer any phone calls or texts, and the thanksgiving food as promised. 
I called well Fargo to stop the payment and refund me the money. they said we can not help you. As of the time of posting, WELLS FARGO BANK has not helped me get my money back. 
As I am reading now these are not isolated incidents. The banks are doing nothing to help victims of XXXX scams and seem to have no legal obligation to do so. Instead, theyre saying because the buyer authorized the transaction, theres nothing they can do to help recoup the stolen money. 
Scammers know people arent aware of this because XXXX is brand-new. They also know that people will choose to trust XXXX because its backed by their bank and because its a feature within their banks own website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 

Type : Chapter XXXX Bankruptcy Status : D ischarged Date Filed/Reported : XX/XX/2011 Reference No. : XXXX Court : Us bkpt ct fl XXXX XXXX Although it is your policy to keep reporting bankruptcies which are filed or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX here, and I'm requesting removal of the fake accounts and information from my credit file by filing this CFPB complaint. I'm writing to you now to let you know that identity theft happened to me. You must take away any things that are discovered to be fraudulent or items that were the consequence of identity theft in accordance with FCRA section 605b. Please locate the necessary paperwork to help with the removal of the false information that is being placed to my report. The following objects were either opened without my permission or do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by FCRA Section 605B ( a ), Credit Bureaus must block any information in a consumer 's file that the consumer claims was obtained through identity theft no later than 4 business days following the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to you today to inform you tha I am a victim of identity theft. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX  XXXX - XXXX XXXX XXXX XXXX XX/XX/2018 XXXX - XXXX XXXX - - XXXX XX/XX/2018 KAY JEWELERS - For XXXX  only XXXX XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

I am disputing a debt that was added to my credit report that I do not own. I have disputed it multiple times without resolution. I have requested debt validation and verification, but have not received anything showing that this debt is owed by me. The company sent me back an invoice with an address that wasn't mine. They sent an electronic form ( printed ) with no personal identifying information other than my phone number. The signature is also not mine and is a digital signature with only XXXX letters. I have sent multiple communications to the company, but the debt remains on my credit report without any proof that it belongs to me.
Product: Credit card or prepaid card

In the years of XX/XX/XXXX to XX/XX/XXXX. These amounts were between {$300.00} to {$2000.00}. I don't have the statements for this account since its been a long time. I know that i only used the credit card 1 time for less than {$200.00}. I paid 1 time because that's what i owed. When i realized that I had other stuff being charged on my account i called the credit card company. They couldn't do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made final payment to integra credit XXXX. They still continuing to report the account as delinquent/derogatory. I have sent letters to correct it but no changes was made.
Product: Debt collection

I lent money from XXXX XXXX and then hired XXXX XXXX XXXX, a payday loan debt management company, to help manage my payday loan debt. XXXX XXXX XXXX and I both sent XXXX XXXX a cease and desist order. So what XXXX XXXX did to get around that was to sell the debt to MetaCorp, LLC, who hired a skip tracer, XXXX XXXX to find me who violated that cease and desist order in reference to the regulations for skip tracing/private investigation set forth by Colorado XXXX XXXX XXXX XXXX XXXX XXXX I contacted the XXXX XXXX XXXX about XXXX XXXX and they are now obeying the cease and desist order and have informed MetaCorp, LLC. I was informed a few months ago by XXXX XXXX XXXX XXXX XXXX XXXX that the debt was paid off. All in all, it seems that MetaCorp, LLC does not care about abiding by the legal cease and desist order. The XXXX XXXX XXXX  said the matter was resolved even though clearly it is not. The Consumer Protection Unit for Colorado Attorney General XXXX XXXX XXXX communicated it was your problem and not theirs.
Product: Debt collection

This company has filed a record on my credit report. I have no knowledge of it since they did not mail me anything. They might have violated FDCPA by not notifying me. I am afraid they have stolen my identity. 

I have no made business with them and I do not owe them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

An Email was changed to my Credit to Two of my Credit Bureau and Probably other informations like my address and Email and Password and Name and age
Product: Credit card or prepaid card

I have been unable to transfer money from my card to my bank account. The last time I was able to transfer funds successfully was XX/XX/2020. I have called into customer support several times, even getting charged a XXXX IVR BAL INQUIRY FEE because I have called in more than 5 times in a month, and it automatically tells me my balance when hitting the main menu. I have reset up my direct deposit via the web and phone IVR ( based on agent recommendations ),  reached out to my bank to see if they were able to do anything from their end, tried several manual transfers to 3 different banks, had a support ticket made, talked to '2nd level support ' and 2nd level  support suprevisor, spending several hours on the phone. I have been disconnected several times, both my support reps and the IVR. The  support ticket group called me back and left a voicemail stating if I was having issues logging in, to call back in. I do not get notified the funds are not returned, an option they have " Fund Transfer Return Alert '', instead a CASH CREDIT CLIENT ADJUSTMENT is added to my account for the same amount as the attempted transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX This is not my ACCOUNT AND IVE SENT IN AN FTC REPORT DISPUTING THIS ITEMS AND NOTHING HAS BEEN RESOLVED PLEASE REMOVE FROM CREDIT FILE Late Payment for XXXX XXXXXXXX XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX This account is fraudulent and does not belong to me Ive never did business with this place Credit Inquires on XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX  XXXX date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX is an incorrect address XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX is an incorrect address
Product: Credit card

My identity was stolen Im XXXX  years old and its ruining my credit and my future
Product: Mortgage

I received a Wells Fargo mortgage modification package which is not in line with what I agreed to verbally with XXXX of Wells Fargo " home preservation specialists. '' I have already filed a complaint with CFPB ( complaint number XXXX ) because I did not feel comfortable with the vagueness of the Bank 's statements, but the complaint was closed because they provided a convenient generic response and I had no way of knowing whether or not they would act in bad faith. Instead of providing me with a fixed-rate loan, they sent me documentation for a new predatory loan ( adjustable-rate baloon ), not unlike the one I was lured into in the first place ( please see attached, specifically page XXXX ). The Bank seems to be setting us up to fail again.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX. ( account # Account number XXXX as I have previously filed a complaint with Federal Trade Commission and Consumer Financial Protection Bureau due to Identity Theft because of Data breach. XXXX XXXX  has reported collection on my credit report # Account number XXXX OPENED ON XX/XX/XXXX XXXX XXXX XXXX Account ending XXXX I DO NOT HAVE ANY CONTRACT WITH XXXX XXXX XXXX NITHER DID THEY PROVIDE ME WITH any Original contract with my signature on it with their COMPANY. XXXX XXXX  date opened XX/XX/XXXX XXXX XXXX XXXX AC # XXXX Date opened XX/XX/XXXX PLEASE SEE ATTACHMENTS : REPORT FILED WITH FTC and I have also filed a complaint against them on XXXX.
Product: Checking or savings account

us bank allowed the IRS to close both of my secured credit cards with them. XXXX of the cards was closed with a XXXX balance the other card was closed with me oweing XXXX due to the bank letting them over draw my secure account
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft XXXX XXXX XXXX Account Number : XXXX you are violating my rights on reporting an inaccurate report please update this to paid as agreed 2. FDCPA 1692e misleading false reporting. how can you validate/verify information from the same source but have the last reported date and date last active different at two bureaus XXXX XXXX Account Number : XXXX You are violating my rights. I will seek litigation if this item isnt deleted immediately 3. FDCPA 1692e misleading false reporting. how can you validate/verify information from the same source but have the last reported date and date last active different at two bureaus XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 4. Unverified/no data information XXXX XXXX XXXX  DELAWARE Account Number : XXXX You are violating my rights. I will seek litigation if this item isnt deleted immediately
Product: Credit reporting

Capital one is reporting me negatively to the credit bureaus as being 30 days late back in XXXX 2010 although they are well aware that it only happened once throughout the whole life time of the account and I had difficulty 's receiving my statements as I live in a big apt . building however, even after contacting them about it, advising them to correct it, as it causes me credit damage, and even after I was already promised by XXXX XXXX, it will be corrected they still continuing to report it negatively. despite that it 's not being reported to XXXX and XXXX with a late remark.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have credit monitoring in place and received notification that Bank of America requested my credit report on XX/XX/2022. I do not bank with Bank of America nor have I applied for any loan, credit card, or bank account with Bank of America. I have not applied for any credit with any creditor in over a year. This inquiry is fraudulent and any accounts that Bank of America has opened in my name were NOT opened by me.
Product: Debt collection

Repeated calls from XXXX several times a day. 

Found it was Citibank, but I do not have an account with them.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX