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

I am writing in response to your letter dated [ insert date ] regarding my formal dispute of inaccurate credit reporting on my mortgage account [ XXXX ]. While I appreciate your response and the enclosed documentation, it fails to address critical discrepancies and evidence requested in my initial dispute. Complaint # XXXX. 

To reiterate, I am disputing the following reported late payments, which remain inaccurately reflected on my credit reports : XXXX consecutive XXXX late payments for XX/XX/XXXX through XX/XX/XXXX. 
XXXX consecutive XXXX late payments from XX/XX/XXXX through XX/XX/XXXX. 
XXXX XXXX late payment for XX/XX/XXXX. 
XXXX XXXX late payment for XX/XX/XXXX. 
Your response included general explanations and an enclosed payment history ; however, you did not substantiate the claims of delinquency with the specific proof of compliance I requested under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and other relevant consumer protection statutes.

Outstanding Issues and Requests for Further Investigation 1. Proof of Delivery of Billing Statements : While you confirmed that monthly mortgage statements were sent via regular mail, you also acknowledged that regular mail does not provide tracking or delivery confirmation. As such, you have not demonstrated compliance with 15 U.S. Code 1666b, which requires that periodic statements be sent at least 21 days before the payment due date. This failure to provide adequate proof undermines the validity of the reported delinquencies.

2. Accuracy and Verification of Reporting : Your explanation of the timeline for reported payments fails to address why the payments were not accurately reflected once received. Payments made in XX/XX/XXXX and XX/XX/XXXX should have corrected prior delinquencies but were seemingly ignored, perpetuating an inaccurate delinquency status. Please explain the methodology used to reconcile these payments and ensure they are accurately reported to all three credit bureaus. 

3. Detailed Findings of Your Investigation : You provided no substantive details of the investigation conducted or the evidence reviewed. Simply stating compliance with the Credit Reporting Resource Guide does not satisfy your legal obligation under the FCRA to investigate disputes thoroughly.

4. Permissible Purpose Under 15 U.S. Code 1681b : You did not address my request to confirm your permissible purpose for reporting account information to consumer reporting agencies. I am reiterating my request for documentation supporting your legal authority to furnish information about my account during the disputed periods.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I made a purchase through PayPal for some items from a fraudulent Site. XXXX for a total of {$47.00} from ( XXXX ) a scam site I called PayPal on XX/XX/2022 contacted PayPal to inform them about the fraudulent transaction, and was told they would investigate the transaction on XX/XX/2022 I received a message from PayPal informing me that the investigation was completed and I would Not be receiving a refund. I filed a claim appeal to request the documents they Obtained in their investigation, and did not receive them. 
I later found some Articles of information on the Internet that PayPal is complicit With the company XXXX in not refunding Consumers refunds I contacted PayPal XX/XX/2022 and was told the investigation had Not taken place And they were still investigating. My refund was denied XXXX is a company that changes the name week to week selling Various items and services and in fact PayPal was working with the company and not returning refunds
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX has deleted mentioned account. Experian is reporting date filed on XX/XX/2015, while XXXX is reporting the date filed as XX/XX/2015. Thus, making my consumer file inaccurate. The second inaccuracy in my consumer file would be the fact that the reference numbers do not match. XXXX reports the reference number as XXXX, Experian reports XXXX, and XXXX reports XXXX. Another inaccuracy. The closing dates and the courts are also inaccurate. I received a notice from the US Bankruptcy Court ( XXXX New York ) stating " the court is not associated with credit reporting agencies. What is included or expunge from a credit report is determined by the consumer reporting agency itself, not the Court. '' See attached documents. My rights protected under the FDCPA and FCRA have been violated. I never gave any person permission to furnish any information on my consumer report and my privacy as a consumer has been infringed upon as well. Certified mail Tracking number XXXX mailed to US Bankruptcy XXXX New York XXXX
Product: Debt collection

Please review the following This loan is currently inaccessible. 
This is what I get when I try to register to see information concerning my loan.

Fay Servicing brought my loan from XXXX XXXX. I was in a chapter XXXX bankruptcy when it was sold. I have never had access to my loan information. They are still considering my loan in chapter XXXX when I have sent them the discharge papers. Fay servicing say they do not honor that because it do not say termination. I have spoken with the person in charge of my loan but she said she had to take it up with her supervisor, this was 6 weeks ago. My bankruptcy was discharged in XXXX/XXXX/2017. 
Fay Servicing also tried to foreclose while in chapter XXXX without any assistance. 
Something needs to be done about this company.
Product: Credit reporting or other personal consumer reports

Account name KOHLS/CAPONE Account number XXXX I happened to check my credit report and found this unfamiliar account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are credit inquiries listed on my report that I did not authorize XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX FL, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/, someone successfully hacked into my Wells Fargo checking account and wired themselves {$4200.00} after having had access to my username and password. I did not give anyone that information. 

I filed the claim will Wells Fargo immediately, as I caught the wire immediately. Wells Fargo has denied the claims multiple times, even after I escalated it to their executive office. They sent me a letter and put in writing that Im the one responsible for online wires that originate using your username and password, WHETHER OR NOT ACTUALLY AUTHORIZED BY YOU ''. 

Wells Fargo essentially said over and over that I'm responsible for the lack of security their own online system provides. I never ever gave anyone my username or password, and take my online security seriously. I caught the wire right after it happened, and they confirmed it was still " pending '', but even a timely response to the hacker didn't mean anything. 

After escalating the issue multiple times and constantly getting the same answer, I got a call from someone named XXXX XXXX who not only explicitly said it was " my fault '' that my username and password were compromised prior to the wire ( it wasn't ) but refused to answer me when I asked what Wells Fargo is doing to protect their clients. Then he hung up on me. A Wells Fargo employee hung up on me when I was simply asking what they could do to protect their lifelong clients. 

I have sense closed my checking and savings accounts, but would like to issue a formal complaint against Wells Fargo, and demand they mail me a check for the amount that was compromised due to their own lack of security measures.
Product: Credit reporting or other personal consumer reports

I currently have some fraudulent inquiries appearing on my Experian report. I have attached supporting documentation below
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I was contacted by a representative from Upgrade regarding my loan application for {$11000.00} at a 30 % interest rate. During the call, I informed the representative that I only needed {$9000.00}, and she told me I would receive a new loan document reflecting that amount. At no point during this call was I informed that the interest rate could increase as a result of lowering the loan amount. 

I received the new loan document with the {$9000.00} loan but noticed that the interest rate had changed. I immediately called the representative ( XXXX ) to express my concern. She confirmed that the rate had changed, but when I expressed dissatisfaction with the new rate, she told me I could change the loan back to the original {$11000.00}. However, she did not clarify that the {$11000.00} offer would become void if I did not accept it, leaving me with no proper way to adjust the terms or change my decision. 

The next day ( XX/XX/year> ), I received another call from XXXX, stating that they could not move forward because the {$9000.00} offer was still a pending offer. I explained that this issue arose because of Upgrades internal process and that the original terms had been mishandled. XXXX assured me that a supervisor would remove the offer, but this still did not resolve the situation. 

On XX/XX/year>, I received a call from XXXX again, asking me to withdraw my application. However, she did not disclose that this would start a new process, and that my approval could be affected. I asked her if the approval would still stand if I re-applied, and she did not provide any clarification. 

I then called Upgrade back to speak with a supervisor ( XXXX ). During this call, XXXX falsely claimed that the representative had informed me of the rate change and that I had verbally accepted the new terms. This is simply not true. If XXXX listens to the call, it will be clear that I explicitly called out the higher rate and raised concerns about it. Before discussing any of this with XXXX, he immediately claimed that I opted out of direct pay, which allegedly caused the rate increase. I never opted out of direct pay, and I provided my XXXX card number for payments. This part of the conversation seems suspicious, as the loan was cancelled immediately after I provided my card number, which makes me believe this could be a scam. 

To summarize : I never agreed to the increased interest rate and was not informed of the change before it happened. 
I was misled by Upgrades representatives, who provided false information regarding how the offer would proceed. 
Upgrade failed to disclose critical information about the consequences of not accepting the {$11000.00} loan offer and did not provide adequate guidance when I expressed concerns. 
The supervisors claims about my verbal acceptance of the terms are false, and the discrepancy in the call records needs to be reviewed.
Product: Credit reporting or other personal consumer reports

This is not a duplicate complaint. This is in response to complaint # XXXX, XXXX, and XXXX. 

I am writing to express my deep concern regarding significant violations of the Fair Credit Reporting Act ( FCRA ) by XXXX, Trans Union, and XXXX. These violations are specifically related to the substantial delays in rectifying inaccuracies on my credit reports managed by these agencies. Notably, these delays are a direct infringement of my privacy rights as outlined under 15 USC 1681, section 602. This section of the FCRA is pivotal in ensuring the protection of my personal information, yet these agencies have failed in this regard. 

Moreover, the severity of this issue is further underscored by the provisions of 15 USC 1681, section 604a ( 2 ), which mandates the strict safeguarding of consumer privacy. This blatant disregard for consumer privacy by these credit reporting agencies is unacceptable. 

Additionally, there are concerns regarding the reporting of late payments. As per 15 USC 1666b, a creditor should not report a payment as late for any purpose in a credit card account under an open-end consumer credit plan without proper justification. In my case, these agencies have reported late payments in contravention of this statute, and despite my clear written instructions under an open-end consumer credit plan. This is securities fraud. 

I am profoundly disappointed by the lack of urgent action taken by these credit reporting agencies concerning these errors on my credit reports. I urgently request that XXXX, XXXX, and Trans Union prioritize this dispute, undertake a comprehensive investigation, and ensure validation and prompt correction of my credit reports. 

In conclusion, I am relying on your immediate and decisive action to resolve this matter. Such action is not only anticipated but greatly appreciated, given the gravity of these issues and their impact on my financial wellbeing.
Product: Debt collection

Debt verification letter sent XXXX. Response from debt collector, ERC, on XX/XX/28 and is just a bill. Nothing with my signature that verifies that this is my debt. Also the address listed on the bill is not my address nor have I lived in that home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed account through XXXX. I told them I never asked for an account, signed for an account, nor obligated myself in any way to an account with Lending Club. I further asked that Lending Club furnish me with any document signed by me which obligated me in any way ; and stated that I would then apologize for my apparent error and make amends. They refused, simply stated that the report was accurate and my dispute was declined. 

Wow! Things have certainly changed under the Trump Administration, but if it has come to the point where a company can arbitrarily contact Mr./Mrs./Ms./Miss private citizen and not only threaten to, but actually do, ruin their credit and attempt to extort money from them without having any proof that said person actually did, in fact, obligate themselves to the Company, then it is time for LEGAL ACTION. However, I shall wait to hear from you first.

I demand the following : 1 ) a letter of apology from Lending Club 2 ) deletion of the aforementioned erroneous credit reporting form all 3 major credit bureaus 3 ) or a copy of the proof where I signed, obligating myself to XXXX XXXX for this alleged {$19000.00} for account # XXXX allegedly opened on XX/XX/2017. They can't because NO SUCH DOCUMENT EXISTS. They are simply trying to take advantage of a XXXX XXXX Vet.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent activity on my report. Please remove these accounts from my report. they are hurting my ability to obtain credit.
Product: Credit card or prepaid card

My credit cards were closed after 10-years with no explanation. 

Left over 5 messages for the bank and no one ever call me back. 

I never had any type of fraud on my accounts and my accounts were always in good standing and my credit limits were always increased based on my spending.
Product: Debt collection

I purchased my XXXX XXXX from XXXX XXXX XXXX ( XXXX ) XXXX XXXX on XX/XX/XXXX. The original contract 's final payment maturity date was to be on XX/XX/XXXX, but due to the XXXX pandemic resulting in job loss, I had two ( 2 ) deferments, which pushed the maturity date to XX/XX/XXXX. 
CapitalCredit LLC XXXX  XXXX acquired my auto loan from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, in XX/XX/XXXX. During the course of payments with CapitalCredit LLC XXXX  XXXX, I had two ( 2 ) more deferments on XX/XX/XXXX and XX/XX/XXXX, which were added to my account, which then pushed my maturity date to XX/XX/XXXX. 
The XX/XX/XXXX maturity date was confirmed by several employees in the XXXX, TN Corporate Home Office ( XXXX on XX/XX/XXXX, XXXX, and XXXX ; XXXX and XXXX are no longer with CapitalCredit ), however, when speaking to XXXX ( CapitalCredit LLC XXXX  XXXX Manager ) on XX/XX/XXXX, he advised my maturity date was XX/XX/XXXX. I told him that was not right and was miscalculated and needed to be re-looked at. Since XX/XX/XXXX, I have yet to receive the information that I asked for and was told that my file was brought to him as a " Problem File ''. I still have yet to receive the corrected calculations, my contract when they obtained the loan from XXXX XXXX  XXXX, and MY TITLE ( now that I have paid the last payment on XX/XX/XXXX, according to my original contract 's final payment date of XX/XX/XXXX, plus the four ( 4 ) total deferments over the life of the loan ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX Account # XXXX ( XX/XX/XXXX ) {$680.00} and XXXX XXXX XXXX Account # XXXX ( XX/XX/XXXX ) {$2800.00}, 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
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 my bank ( XXXX XXXX XXXX XXXX ) sent me letter for the transfer of {$18000.00} to Lending Club NA in XXXX XXXX which i requested. I provided them this account number ( XXXX ) on the check and this address ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX ) but they omitted the XXXX XXXX. 

The check went and it was endorsed and cashed at XXXX XXXX XXXX  on XX/XX/2021 onto Account Number XXXX. 

Lending club contacted me again that they have not receive the money. I went back to XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX to inform them of what has happened. They sent me to go to XXXX XXXX XXXX  to ask about the account used to cash the check if the account belong to XXXX XXXX XXXX XXXX in XXXX XXXX and i did. XXXX XXXX bank told me that they can not deal with me since the check came from XXXX XXXX so they have to open fraud investigation and work with their fraud investigation team. I went back to XXXX XXXX XXXX XXXX and they are not willing to do it. They are trying to distance themselves. 

I have also called XXXX XXXX XXXX XXXX also to investigate the account use if it was for them and transfer the money to close my loan account and they are also refusing to do that. I have provided them a copy of the check and the endorsement and my statement that show the transfer of {$18000.00}.
Product: Credit reporting

XXXX charge off account verification. The original creditor was not able to provide any information regarding this account to me. Experian dispute responded as verified. I don not believe they correctly investigated this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I see on my report it shows factual data as the name it comes under when I called the number associated with factual data they directed me to XXXX XXXX XXXX, I never even did a pre qualification with this company and someone either used my name or somehow they got a copy of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

We purchased flooring and installation from XXXX XXXX. The salesperson told us that we would receive discounts for mid-week installation, yard sign, and flexible scheduling. She XXXX she was not able to give us any receipt, other or contract as she had to get the discounts added in, and could not print in from her tablet, could email it from rhe tablet, but that the installers would bring it out. We agreed to be signed up for emails in the future. XXXX 's website states there shall be a {$300.00} discount for signing up for emails. We were told that the final contract and a receipt would be brought out to us by the installers. The installers brought no documents. 
After spending several months trying to get even the contract, we filed a complaint with Discover. Discover did not investigate the complaint. Instead they told us to file a XXXX  complaint. We filed with XXXX. XXXX did not respond to the XXXX  and the omplaint was closed. 

XXXX has violated C.R.S 6-1-105 ( 1 ) ( l ) which states, '' Makes false or misleading statements of fact concerning the price of goods, services, or property or the reasons for, existence of, or amounts of price reductions ; And CRS 6-1-105, 'which stateslFails to deliver to the customer at the time of an installment sale of goods or services a written order, contract, or receipt setting forth the name and address of the seller, the name and address of the organization which he represents, and all of the terms and conditions of the sale, including a description of the goods or services, stated in readable, clear, and unambiguous language ; Discover needs to do an actual investigation into the receipt issue.