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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXXXXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made on time : The payment was made before the due date, but it seems there was a processing delay on the creditor 's end. I have attached bank statements showing that the funds were deducted from my account well before the due date. 
Clerical error by creditor : XXXX XXXX XXXX has admitted that the late payment was due to an internal error in their billing system, and I have attached a letter from the creditor confirming this issue. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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: Credit card or prepaid card

Re : Genesis Card Services or GFS as they are known. 

Last Year I received an pre-approval application, they stated they needed my drivers license. I was given a fax number, but the fax number does work, I was given XXXX. 

I was then asked to mail in a copy of the drivers license which I did, Guess what the priority envelope was sent back marked refused. 

Earlier this month I received another pre-approved credit offer which I applied the same problem again, fax numbers do not work. 

I am now damaged by XXXX credit inquires which achieved false result. 

This card company is bogus. 

The same situation is happening again
Product: Debt collection

Zenith Debt Collectors is engaging in harassments. i have had my current phone number since around XXXX since then i have gotten the occasional collector for the old owner but in the last few weeks Zenith has ramped this effort into almost multiple calls daily. I have explained this to them before and im still on the list somehow. i just want them to stop calling me. and its the same automated message each time so i know its them.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX CA, XXXX Please update my name to : XXXX XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/year> My only employer is : XXXX XXXX XXXX XXXX do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent via certified mail to Equifax demanding that they provide verifiable proof of several listed accounts. Equifax received this request on XX/XX/2020, and opened an online dispute as if I created the dispute online. There were several immediate notifications of verified accounts that came through within a couple of days. Nothing changed with these accounts and no information was provided how it was verified. 

On XX/XX/2020, I received a copy of my credit report with an explanation that the accounts have been verified. There was no proof of how they verified that the account was accurate and mine as per section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. They have repeated not provided proof from these companies and have let them continually reported inaccurate or accounts that aren't mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt with XXXX XXXX XXXX It which was incurred in late XXXX, was sold to XXXX and a new date of XX/XX/XXXX was documented as the date reported. When I spoke to the representative from XXXX I explained to her that the date was wrong and that the debt was seven years old. The representative said they actually had until XXXX to collect on the debt, which would make the debt older than seven years old.
Product: Credit reporting or other personal consumer reports

I asked Transunion to verify a inaccurate account # XXXX XXXX XXXX and Transunion responded that the account was verified as accurate. This account # XXXX XXXX XXXX can not be accurate as it belongs to XXXX XXXX XXXX and that is not me. I am XXXX XXXX XXXX. The address along with this account # XXXX XXXX XXXX is an inaccurate address because I have not lived at the address associated with this account. 

Transunion is in none compliance with the LAW : 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair creditreporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the creditworthiness, credit standing, creditcapacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
The reporting of this account # XXXX XXXX XXXX is a violation as it is reporting inaccurately. Transunion is held and govern by this law so that I as a consumer have FAIR AND ACCURATE REPORTING. 

Transunion is in non compliance and violation for reporting this inaccurate information as XXXX XXXX XXXX is not myself XXXX XXXX XXXX 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Transunion did not follow reasonable procedures to assure maximum possible accuracy of information concerning the individual ( myself ) ( XXXX XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$3800.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$4900.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX Date opened XX/XX/XXXX Balance {$6000.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$8300.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$5900.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$2200.00} Status Open/Never late. 
DEPT OF EDUCATION/XXXX  Date opened XX/XX/XXXX Balance {$5600.00} Status Open/Never late. 
US DEPT OF ED/XXXX Date opened XX/XX/XXXX Balance - Status Transferred, closed/Never late. 

These items are incorrect WRONG ADDRESS and personal information. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete. 

Please remove this account immediately in its entirely from my credit file. DEPT OF EDUCATION/XXXX Please remove it from my credit report.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed. 

After you remove these items, please send me an updated copy of my credit report via mail.
Product: Credit card

I closed a Credit Card with Comenity Bank on XX/XX/2024. They verified via email that this account was closed with a XXXX balance. This was account they handle for XXXX XXXX. 

Comenity Bank has continued to bill me monthly for charges on this account. When I attempted to file a complaint with the XXXX of XXXX XXXX I explained my complaint and attached a .pdf copy of Comenity Banks ' correspondence from XX/XX/2024 confirming my account has been closed. I also attached a recent statement sent via email from Comenity indicating I owe them {$43.00}. I demanded that Comenity Bank stop charging me on a closed account. 

I received a response from the XXXX with the following information from Comenity Bank. " Your complaint has been reviewed and forwarded to the business. 

Please note that Comenity Bank is one of many businesses that do not share customer information with third parties, other than their direct customer. Their policy is to contact their customer ( s ) directly regarding issues about their accounts/ policies, etc., citing privacy concerns of confidential customer information. 

Comenity Bank will respond to you directly regarding your dispute issues. If you disagree with what Comenity Bank said, XXXX may be able to provide further assistance. '' Comenity Bank has not responded but instead immediately placed two records on my XXXX credit report. One indicating 60 days and one indicating 90 days late. I can only interpret this as being retaliatory for filing a complaint. 

I also sent Comentiy Bank another email following this action regarding this account along with the attachments mentioned in this report above. There has still been XXXX response. I also notified them that if this is not resolved I will be pursuing civil actions. The posting of multiple records on my credit report merely from an attempt to resolve an error is unacceptable. I am willing to pursue whatever actions are available to resolve this in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these creditors and companies Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Has violated my rights under 15 U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states that consumers reporting agencies can not furnish an account without my written instructions. Under 15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

In XX/XX/XXXX, I made my final mortgage payment of {$3000.00}. to XXXX c/o PHH XXXX for a refinancing that was effective XX/XX/XXXX with a Principal Balance of {$68000.00}. The Shared Appreciation Modification ( SAM ) Agreement requires that an addition shared amount be paid after the mortgage completion ( Maturation date XX/XX/XXXX ). When PHH sent the " Pay Off Quote '' response letter ( XX/XX/XXXX ), it was stated that the property was valuated using XXXX at {$120000.00} and that the unpaid Principal balance inflated beyond the original principal balance to {$76.00}, XXXX. According to the agreement an appraisal of the property would determine the final valuation. The company never asked me for Capital Improvements made to the property except once when I was asking for clarification of their payoff calculations. They then gave me a quote on XX/XX/XXXX with an expiration date of XX/XX/XXXX. They are also requesting mortgage payments for XXXX after returning my {$800.00} payment for insufficient payment. The representative stated they returned it because it didn't cover the payoff amount. Each month I receive a statement with a new amount of something ( late fees, etc ) that need to be paid. To date I paid the entire original mortgage, escrow fees, Pay off Quote fees, and Returned item fees non of which makes sense when they returned {$800.00} that would have covered all the additional fees. 

This refinancing began with Ocwen XXXX and changed hands at least 4 times. The information from the representatives is ambiguous and the payment request unreasonable.
Product: Mortgage

XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX LoanCare XXXX  XXXX We started a short sale with LoanCare on XX/XX/XXXX. 

On XX/XX/XXXX we were countered to $ XXXX. On XX/XX/XXXX we emailed the increased offer ( $ XXXX ) along with the updated HUD. 

We called in several times since XX/XX/XXXX and were told yet again today XX/XX/XXXX that there was no ETA on decision. However, today they are claiming that the XXXX offer was marked too low on XX/XX/XXXX -- - I was never told about it when calling in, multiple times, over the past 2 weeks. The manager claimed that final decisions about existing offers are not made until underwriters completely review the file. Had no explanation as to how we were countered on XX/XX/XXXX since the underwriters had also not completed their review at that time either. 

*****When pressed further, the manager claimed that they are investor driven and do not care about any other law, and that investor guidelines supersede State and Federal Law. Additionally, they stated " California law doesn't faze me ''. 

Since we end up having to file complaints on every file we have with LoanCare it is apparent they are not training their employees at all. Their employees do not know the difference between a lien and a financing statement, do not know how to read a HUD, are attempting to act as title and escrow ( which is a conflict of interest ), and do not understand Lien Priority. They have a training program that seems to be based on learning from their mistakes and CFPB complaints. 

Please reference the following complaints that we have filed on LoanCare : XXXX XXXX XXXX XXXX For once we ask that LoanCare 1 tell the truth 2 dont try to commit a RESPA violation or other type of short sale fraud when reviewing their files. 

I want them fined the maximum of $ XXXX and for them to undergo training to learn how to properly service their loans. If they are refusing to adhere to their servicing obligations and are not willing to abide by California State and Federal Laws, then they need to be banned from doing business in the entire nation. 


CC : For ease, we are cross filing this complaint with the following organizations : 1 ) State of California Attorney Generals office 2 ) Congresswoman XXXX XXXX, House Financial Services Committee Chair
Product: Payday loan, title loan, or personal loan

One main Finacial continues to threaten me although I am making monthly payments I fellbehind. They have said if I donot pay the full amount of XXXX dollars in 7 days they will take further action. They thanked me for making payments but they wont the full payment of XXXX or else face further acitons. I am afraid these people are powerful I dont know what to do please help Please help I received this document in the mail
Product: Mortgage

On XX/XX/XXXX, I was contacted by AmeriSave Corp in response to my XXXX XXXX query on refinancing my existing mortgage on my primary residence. During my conversation with the lending officer, XXXX XXXX ( " XXXX '' ), was was told I was eligible for a 3.25 % loan with no points and that at closing I would be given " a check for {$2000.00} ''. After comparing their rates to that of other lenders, I decided to proceed with the mortgage application and paid a {$500.00} application fee. During the application process, I provided all requested documentation of my finances. The initial disclosure documents were provided to me on the AmeriSave website, but every time I tried to open/view them, I received an error message. I informed the lending officer via email on XX/XX/XXXX that I could not view the documents, but he never responded to my email ( s ).

When I was approved for the loan and contacted to schedule the loan closing, I was finally presented with the final " Closing Disclosure '' documents. It was then that I saw that I was being charged " points '' in the amount of {$750.00} in direct contrast to what I was told up front by the lending officer. I also had to pay {$110.00} at closing, rather then receive a {$2000.00} check that was promised. When I questioned this, I was told that it would be corrected by his manager. I few days before closing, the figures still hadn't been corrected and during conversations with the lending officer and his manager, I was told they " weren't going to just give me {$2000.00} '' and that the loan amount would be increased by this amount if that was what I wanted. The day before closing arrived and the figures still had not been adjusted by the manager. I could not trust that this would ever be corrected, so I had no choice but to refuse to proceed with the closing.

I feel that AmeriSave was not honest with me during the application process and that they should return my application fee of {$500.00} which they obtained with false promises and lies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unresolved issues with Experian. I was part of a class action lawsuit through State Of Mississippi District Attorney under the claimant name of XXXX XXXX. Which the state won due to incorrect information being added to consumers reports. 

I am still having major issues going forward. 
There are several names that are not even me, as well as a social security number ending in XXXX. 
I Never had a name of XXXX XXXX XXXX, or XXXX XXXX XXXX. Addresses in California at XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX and so many other I can not even write in statement. 

Never married or co applicant with a " XXXX '' Below is now a list of the accounts i have attempted to rectify by mail or even called. : XXXX XXXX XXXX  XXXX was paid off by agency they transferred it too so how can it be a charge off/written off debt. 

XXXX  XXXX XXXXNever owned an account with this company/person. Have inquired with this company that has no information to provide in regards an account. Called Experian on this account 3 times and still no proof of anything. 

-XXXX XXXX XXXXXXXX Duplicated information is listed multiple times on this credit report. I have 3 student loans in deferral status due to bankruptcy. This is listed on my credit 7 times. 
- XXXX XXXX XXXX XXXX page XX/XX/XXXX. This is ex husband XXXX XXXX Debt effective XX/XX/XXXX per divorce. 
-Page ( s ) 20-31XXXX XXXXXXXX XXXX XXXXXXXX are in XXXX bankruptcy should not reflect written off. They updated this information in XX/XX/XXXX, I have been in bankruptcy since XX/XX/XXXX. Balance ( s ) are not correct. Please Correct or remove as this is a violation of Bankruptcy law. 
-Page 32 and 34XXXX company sent written statement to advise they where unable to locate an account. as of XX/XX/XXXX they mailed letter stating that debt was sold to XXXX XXXX at which XXXX XXXX has no information on an account for consumer. 




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Product: Payday loan, title loan, or personal loan

World Finance keeps reaging this account and fraudulently increasing the balance on a charged off account. Due to the reaging and increase in balance the information being reported is inaccurate as well as fraudulent since this account has been written off. My FDCPA and FCRA rights have been violated
Product: Credit reporting, credit repair services, or other personal consumer reports

I told Experian, XXXX and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

1. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Please Delete Immediately 2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Delete Immediately 3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please Delete Immediately 4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX XXXX XXXX XXXX  Please Delete Immediately
Product: Debt collection

I received collection paper work from Portfolio Recovery Associates for and old XXXX XXXX account. I informed them that I would like to dispute the claim. I received a call from them saying that they had won the dispute. I informed them that I had not received any paper work in regard to that. Shortly after that I received paperwork dated XXXX XXXX 2017 that I am being sued after that I received the dispute paperwork dated XXXX XXXX 2017. They sued me prior to providing validation of the debt