23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I took a loan from US Bank. It was a short term loan for me but I was advised that I would have a {$100.00} penalty if I paid in less than a year which was XX/XX/XXXX. They lost my {$100.00} payment transfer in XX/XX/XXXX. It took 4 phone calls over the course of 10 days for the payment to be found however it was deducted from my checking account immediately. This was eventually resolved. 
I paid again in XX/XX/XXXX at which time the payment transfer was again lost. This took several calls at which time I was told the remaining {$100.00} balance of which I paid {$50.00} was a penalty for paying off early. It had never been disclosed this penalty was part of my ongoing balance. I advised them of this and that I did not want the loan closed to prevent the penalty from being charged. I requested the statements from the checking and loan accounts. I was told there would be no fees for these statements. The bank then closed my loan and kept the {$50.00}. I did not receive the loan statement so I called again. The agent advised I would be charge {$15.00} for the statement. I indicated several times during that call I was not willing to pay that fee. I received a one page statement and was charged {$15.00}. I requested both of these amounts be returned to me on several occasions and this was refused. 
In XX/XX/XXXX, I received a letter that US Bank was going to take a home owners insurance policy on my home based on this loan unless I provided documentation that my home was insured. When I called regarding this letter, I was told that I had to close the account in order to prevent this insurance and being charged for it. I requested the account be closed. ( Keep in mind I paid a penalty for closing the account in less than a year, even though I specifically stated that I would not close the account until the year had passed. ) The agent indicated I needed paperwork to request that or I would be charged for the homeowners insurance. I requested the paperwork which was not received within the 2 days I was told it would be sent. Two weeks later I called again. This agent indicated she could close the account over the phone. When I asked her why I would be charged for insurance when I owed no money, she said she did not know and could not investigate on a closed account. I have no idea if the account indeed did get closed, or if I will be charged for homeowners insurance that US Bank decides to take on my home. I have requested written confirmation.
Product: Credit reporting

I have disputed XXXX XXXX XXXX with Transunion from the first time it showed up on my report. Because XXXX XXXX XXXX service can give Transunion just my name and address but no signed contract or documentation to support this, Transunion continue to accept this as sufficient documentation of my owing this debt. All documentation of me writings XXXX XXXX XXXX ( per Transunion request and me providing XXXX XXXX XXXX the information requested of me ), XXXX, and FTC along with supporting documentation of XXXX XXXX XXXX not responding to me and XXXX and FTC was sent each time by certified mail. I was information when dispute was made to speaker with their special handling division each time and they will dispute. I informed them that after a consist years of dispute and no proof provide. This need to be removed.
Product: Mortgage

My loan was transferred from XXXX XXXX  to Flag Star Bank in XXXX of XXXX. The communication from Flag Star has been appalling. In XX/XX/2023 when they attempted to take money out of my account there was a transfer issue and right away I went to try and pay it online. I thought I had pressed pay through my checking account for a one time pay and when I went to check a few days later it said I had only paid a {$30.00} late fee. When I called to ask why it didnt do a XXXX time payment of the mortgage amount they came up with something that their system wont allow that and I should have called. Fast forward to XXXX, my mortgage payment was reversed and again instead of making it easy to pay online I had to call. I thought everything was fine as my XX/XX/XXXX payment came out automatically with no issues. XX/XX/XXXX comes around and when I looked at my XXXX XXXX account and the money was still there I figured because it was the weekend it would be taken out on Monday. On Tuesday I checked again and it was still there and I thought maybe because of XXXX of XXXX it hadnt been taken out yet. Finally on XX/XX/XXXX I call to inquire why it hasnt been taken out and they inform me that because of 2 reverse payments on my account I can no longer use automatic payments and that I would have to go to a XXXX XXXX with cash to pay my mortgage. I asked why they had not sent a letter or called to explain this and that I had to call and ask, which they claimed they did sent a letter. I can assure you no letter was sent and when I told them that they told me I was basically out of luck and they could email a letter for instructions on how to pay. They still have not emailed me this so called letter, I had to take out close to {$4000.00} cash and attempt to find a XXXX XXXX that would take that amount and just hope I was doing it correctly. Thursday, XX/XX/XXXX after attempting to make this transaction at XXXX different businesses and paying an extra {$22.00} for urgent service I thought the money was sent immediately. Today I go look on my Flag Star loan account and it still says, Next Payment Due XX/XX/XXXX. On the payments page it doesnt show my payment applied to any of my loan but shows Funds Held in Suspense. So I called to find out what was going on and the operator couldnt explain it and had to put me on hold. When she came back she said it would be posted on Monday. I paid it on Thursday before the end of the business day and paid extra for the rush service. If I hadnt called today who knows what would have happened with this payment. This should not be that hard to make a mortgage payment. I spent over XXXX hours on Friday just trying to give a company my mortgage. Their lack of communication, inconsistency, and agents who have no knowledge is outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are fraudulent and needs to be removed : XXXX XXXX XXXX XXXX ( XX/XX/22 )
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 


I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

random inquires that have just been popping up when i have no business or account with these companies equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed from my credit report.

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

4. Identity Theft BK OF AMER Account Number : XXXX This is not mine.

5. Identity Theft XXXX  Account Number : XXXX This is not mine.

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone fraudently submitted applications for credit without my consent. The following companies were applied to ; XXXX, Care Credit
Product: Credit reporting, credit repair services, or other personal consumer reports

There are over 34 inquiries on my credit reports that are not valid on all three reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello again .... 

In response to my last complaint via CFPB # XXXX You stated that you are reporting accurate information to the consumer reporting agencies after I told you that you were not. Dealing with my JPMCB account ending in XXXX. You all are reporting MULTIPLE late payments on my report and this is interfering with my Real life situation in getting a new house. Reporting late payments is a violation to my consumer rights law. 

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt t pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 
As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we were already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 

Please update XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to paid as agreed due to these terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these two accounts since XX/XX/XXXX. I have previously paid BOTH of these, they were not balances I owed, however, they were under my name and I was ultimately the responsible party in paying them. In which I did. I have asked multiple times for information from XXXX, Experian, XXXX as well as XXXX, in which XXXX merely sent a statement for the {$130.00} account, no dates, no address, no information other than stating they do not have to provide that information. I sent that response to all three bureaus, and they again just verified the accounts. They updated the accounts as new late payments, new collections and new charge offs, absolutely destroying my credit score from XXXX to upper 400s. 
In order to salvage my credit, I paid the balances, again. This time I sent a letter for each check to XXXX, an agreement letter to pay for the immediate deletion of each account. Each check also has the agreement in the note section stating to only deposit upon the immediate deletion of the account, account number included for the relative check. Both checks were deposited before XX/XX/XXXX, and both checks cleared my bank on XX/XX/XXXX ; however neither of the accounts have been deleted from my reports. I have sent XXXX, Experian and XXXX  a statement regarding the pay for deletion, and they verified the accounts to still reporting accurately. I attempted to call XXXX 's billing department, when googling the billing department phone number, attached a link you must agree to to get the appropriate phone number. Now I can see how the consumers, who were once thought of as customers, have no ground to stand on and will be bullied into paying any debt XXXX claims just to keep them from a personal attack on your credit ; even if it means paying two balances, twice. I just want these accounts removed from my credit report as was agreed when XXXX deposited my checks. For a multibillion dollar company, one would think XXXX would at least pretend to concern themselves with the consumers, of whoms backs they built their empire on?
Product: Credit reporting or other personal consumer reports

According to my records, the account is marked as Paid P & L, indicating the debt was resolved and written off as a loss. However, despite this notation, the account is still being reported as a charge-off.

This conflicting information is both misleading and damaging to my credit profile. The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), mandates that information reported to credit bureaus must be accurate and complete. Additionally, 15 U.S.C. 1681i requires creditors to investigate and correct any inaccuracies when a dispute is raised. The current reporting, where a debt is both marked as Paid P & L and a charge-off, constitutes a violation of the FCRA as it provides misleading and conflicting information to potential creditors.

Given that the debt was resolved and written off as a loss, I request the immediate removal of this account from my credit report. This misreporting is damaging to my credit score, and under 15 U.S.C. 1681c, accounts in dispute and incorrectly reported must be updated or deleted.
Product: Debt collection

I am writing to formally dispute inaccurate information on my XXXX credit report for the account listed under RESURGENT RECEIVABLES LLC ( Original Lender : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Accuracy in my credit file is crucial to me, and I am reaching out to ensure this information is properly reviewed. 

Specific Inaccuracies : 1. Account Details Missing Information : Key details such as the Date of Last Payment, Monthly Payment, and Payment Frequency are listed as Not Reported or Not Provided. These omissions make it difficult to confirm the accounts validity and status.

2. Amount Past Due : The report reflects a balance of {$590.00} as past due, but there is no breakdown or history provided to validate this figure. I request verification of this amount, including detailed payment records or proof of the debt. 

3. Age of Account : The account is listed as XXXX XXXX XXXX, but its unclear when the account was opened or what date this timeline reflects. This lack of transparency is concerning. 

I can't verify that this account is being reported correctly without accurate and complete details. This not only causes unnecessary confusion but also has the potential to harm my creditworthiness unfairly. 

Supporting Context : The remarks note that this account has already been disputed. While I appreciate that an initial review was conducted, I ask for a deeper investigation given the significant omissions and discrepancies in the reported information. Its vital that my credit report reflects complete and accurate data. 

Per the Fair Credit Reporting Act ( FCRA ), I kindly request that you verify the details with RESURGENT RECEIVABLES LLC and provide me with a written response confirming the accuracy of the data or correcting/removing the errors. If the account can not be verified, I respectfully request that it be deleted from my file. 

Also, this fraudulent account has been disputed and removed from XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau. 

EXPERIAN CONTINUES TO REPORT THAT MY DISPUTE OF THE FRAUDULENT MORTGAGE ACCOUNT BY XXXX XXXX XXXX REPORTED TO MY CREDIT FILE AS A DUPLICATE FOR THE SEVENTH TIME. 

My credit file with Experian lists an FRAUDULENT MORTGAGE IN MY NAME. Experian continues to report it even when I have provided a POLICE REPORT OF THE ACCOUNT REPORTED AS FRAUD.
Product: Credit reporting or other personal consumer reports

I LOST MY SOCIAL SECURITY CARD RECENTLY AND HAVENT BEEN ABLE TO REPORT IT, I GOT A TEXT today XXXX saying that my bank of America credit was approved and items will arrive in 14 business days. It was from a XXXX number.
Product: Credit reporting or other personal consumer reports

Upstart payment portal had issues and when they were notified they said they would remove the late fees. 

They have reporting this as a late payment when this is a system error on their end. 

The website and emails say to contact upstart support via email and nothing has been done. 

This is an Upstart error.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX BIRTHDAY DATE : XX/XX/XXXX SSN:XXXX DATE : XX/XX/XXXX 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Jection 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 ) ( a ) 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. 
Delete these hard inquiries : XXXX. ) XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX. ) XXXX XXXX XXXX via XXXX XX/XX/XXXX XXXX. ) XXXX XXXX  XX/XX/XXXX XXXX. ) XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XX/XX/XXXX XXXX. ) XXXX XXXX  XX/XX/XXXX
Product: Debt collection

I am writing to you with a sense of urgency and frustration regarding the fraudulent accounts that continue to tarnish my credit report. It has come to my attention that despite previous correspondence and my repeated demands, these fraudulent accounts persist on my credit report. This flagrant disregard for my rights as a consumer is absolutely unacceptable and requires immediate rectification. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$2000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00XXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$960.00} XXXX - XXXX - XX/XX/XXXX - {$1500.00} XXXX - XXXX - XX/XX/XXXX - {$14000.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$590.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1700.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$730.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$860.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$550.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$940.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 


1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : 2022 Delete this account. 

2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 16921 XXXX XXXX XXXX  Account Number : XXXX Delete this account. 


4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 


5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried applying for a mortgage loan and a car loan and I've gotten denied multiple times and I'm aware it is against 12 CFR PART 1002 EQUAL CREDIT OPPORTUNITY ACT REGULATION B.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX Update the late payment to paid as agreed was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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.

Update the late payment to paid as agreed 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, credit repair services, or other personal consumer reports

contacted the credit XXXX XXXX and experian to notify them of the fraud on my credit report. they werent attempting to help me solve the problem and get the items removed as they should be. The accounts are hurting me and not being able to obtain credit at this time due to the enormous amount of the accounts and they keep saying the claims are frivolous or cant identify me when Ive mailed them my id and social security card multiple times please help me solve this issue please