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 Equifax 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 : XXXX  XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXXXXXX XXXX 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 : My payments were made on time, as evidenced by bank statements and payment confirmation receipts, which clearly show that the payment was processed before the due date. 
Despite providing this evidence, the late payment was incorrectly recorded on my credit report. 
Even though I followed the correct dispute process per the Fair Credit Reporting Act, XXXX, XXXX, and Equifax have failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please correct the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There were fraudulent applications submitted under my name. I contacted Equifax on 5 occasions by phone and certified mail and the info was not removed. 

XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XX/XX/2021 XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX A XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, IL XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a business partner that throw me out for the company 10 years ago. Then about year here put the company in bankrupt 's and at the I was told that I need to fill bankrupts personal so did all the page work but I but pull out and never did. 
Now I have a Bankrupts on all three of my Credit report. I was told it be remove in the first year do that I never flied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX XXXX 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 An 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: Mortgage

I paid off my loan to loanadministration ( https : //ally.loanadministration.com ) on XX/XX/XXXX and they have almost {$11000.00} in the ecrow balance and they are saying it will take a month to get that money back. I wind this completely unacceptable and need to get my money ASAP.
Product: Checking or savings account

Today on XX/XX/23 I received a letter in the mail from " BMO Bank ''. I opened the letter and discovered a statement from them for a " savings builder '' account. I've never done business with them before and have never opened any accounts with them. I immediately called their customer service number on the letter and told them that this account was never opened by me. The letter I got said there was no money in the account. Also, after being on hold with them for XXXX minutes, they also told me there was a checking account also in my name with them but they didn't tell me if there was money in it or not, however they let me know that they've closed the accounts and had me listen to a pre-recorded disclosure about reporting credit fraud. Before hanging up, I asked if they could provide me information as to how this happened and he said his recommendation would be for me to go to a local branch to ask them and to file a complaint there. After my phone call, I contacted XXXX and put a security alert with them and they said they would notify the other credit bureaus. XXXX will have the security alert on my file for a whole year. Tomorrow I plan on going to this bank in person and filing a formal complaint with them for letting someone fraudulently open XXXX accounts ( a savings and a checking ) in my name and hopefully getting this cleaned up and hoping the damage done to my credit or anything else isn't worse than just this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Agencies have deleted positive loan accounts from XXXX ( auto loan ) and all my student loans from history.
Product: Credit card

AMERICAN EXPRESS CARDS GOT STOLEN, AND REPORTED TO THEM. 
XXXX DISPUTE CHARGES ON THEM. 
THEY WILL NOT TAKE THEM OFF.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am reaching out today to speak about an error that I found on my credit report. On XX/XX/XXXX, Wells Fargo Bank placed a hard inquiry on my credit report. I have never worked with Wells Fargo or banked with them for any other reason making this hard inquiry an error. 

XXXX XXXX was another company which place a hard inquiry on my credit report finding it to be a error as well on XX/XX/2019. 

XXXX XXXX is the third to place another hard inquiry on XX/XX/2019. This is also an error. 

XXXX XXXX is the last company which placed two hard inquiries on XX/XX/XXXX and XX/XX/XXXX, XXXX these were also errors As a student trying to improve my credit report so I get a chance to someday buy a home for my family and contribute to the system by starting my own business. Things like this on my report will only make it difficult for me and my future family to progress.
Product: Credit reporting or other personal consumer reports

violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX my wife tried to purchase an item from a fraudulent seller. Purchase was made using Paypal friends and family. The fraud was detected and Paypal contacted. They instructed us to close the checking account at the bank, which we did. Then Paypal opened a dispute and requested we file a FBI report, we did and sent them a copy of the report. Then Paypal kept contacting us about the {$100.00} debt in our account. Each time we were able to contact a Customer Service representative we explained the situation and they submitted it to the dispute. Several Customer Service managers responded that we should not worry about this situation and it would be resolved. Paypal representative indicated they we were working with the FBI on our case. Then we would get another e-mail from Paypal telling us that we were in arrears. 

Finally we got an e-mail telling us Paypal had submitted us to XXXX, apparently their collections department. We tried contacting Paypal Customer Service again and their system kept sending us to XXXX. 

I finally paid off the balance through Paypal and tried to close my Paypal account and they seemingly won't let me. That is the final result of this issue. The balance has been paid and they will not let me close my account. Paypal although saying they would work with us, did not, and kept hounding us relative to the debt that was in dispute until they decided to turn it over to collections without informing us that was what was going to happen. I balanced the account, now they won't let me close the account.
Product: Vehicle loan or lease

I moved to a new state and first requested this lien holder to have my title transferred in XXXX of XXXX. No contact from them, resent the form for title request in XXXX. No contact from them. Received a temporary registration on XX/XX/XXXX without title because state never received title. No contact from them. Called lien holder again XX/XX/XXXX, no further action, they will request title. State never received title. Registration expired XX/XX/XXXX. Contacted lien holder again on XX/XX/XXXX. Was told that they would submit another title request. Company then stated that, " Originally there was confusion about whether we received the title from our holding facility. We will put in an escalated request to have it sent from holding facility. Put in an escalated request to receive the title from the holding facility. Title should arrive from holding in 3-5 days '' Was told that I would be called on XX/XX/XXXX to be given an update. No call received. Contacted DMV on XX/XX/XXXX, no title received. Contacted lien holder again and was told, " We will order a duplicate title, but it takes the state at least 4-8 weeks to provide it to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for a lease extension at the termination of my lease through XXXX XXXX and they never told me that this was a new application. I had no idea that my auto payment was not going to continue to make the monthly payments. In 36 months I was never late a day. I was traveling and the only number that they had on file was my mother 's, she has been busy caring for my father in the hospital. She doesn't open mail in my name so she missed the letter that they sent me. Because I was completely uninformed that this was a new application, and there was no continuation of the previous auto payment my credit score has been severely impacted, so my new lease is greatly suffering.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Colorado, most types of debt have a statute of limitations of six years. The exception is debt on your auto loan, which has a statute of limitations of just four years. Once the statute of limitations passes, the debt becomes time-barred. Debt collectors can no longer garnish your wages or place a lien against your home or car and collectors can still hound you with calls and letters in an attempt to get you to pay.

THIS IS PASSED THE SATUE OF LIMITATIONS AND REPORTING ON MY CREDIT REPORT THAT A BALANCE IS DUE. 

REPORTING THE FOLLOWING INACCURACY : Past due amount : The balance currently reported as past-due by the company holding the account. 
{$10000.00}
Product: Credit reporting or other personal consumer reports

I Received A copy of My Credit Report I saw My Address On File Is Incorrect & Needs To Be Fixed IMMEDIATELY AND THERE ARE FRAUD ACCOUNTS That Don't Suppose To Be There REPORTING. I've Notified The Creditors As Well As The Credit Agencies. Please help me Resolve this problem with these FRAUD ACCOUNTS to Be Deleted/REMOVED. PLEASE HELP ME RESOLVE THIS ISSUE. THESE ARE THE ACCOUNTS : XXXX XXXX Balance : {$4900.00} account # XXXX XXXX XXXX XXXX Account # XXXX Open XXXX XXXX account # XXXX Date XXXX Under FCRA Consumer SECTION : 15 USC 1681B Permissible Purposes 15 USC 1681 ( B ) Disclosure, 15 USC 1681Q- any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be find under TITLE 18, Imprisoned for not more then 2 years.

15 USC 1681N
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian on XX/XX/XXXX about the following accounts that are not mine ; XXXX ( Account number XXXX, XXXX opened XX/XX/XXXX, Original amount {$1000.00} ), XXXX XXXXXXXX XXXX USA XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$2800.00} ), XXXX  XXXX ( Account number XXXX, XXXX opened XX/XX/XXXX, Credit limit {$3000.00} )XXXX XXXX XXXX  ( Account number XXXX, Date opened XX/XX/XXXX, Original amount {$1000.00} ), DEPT OF EDUCATIONXXXX ( Account number XXXX, Date opened XX/XX/XXXX, Original amount {$6000.00} ), XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$730.00} ). Experian have not responded to my request to investigate as they are required by the FCRA. Attach is a copy of the disputes I send them.
Product: Credit card or prepaid card

The Ace Cash Express Located at XXXX XXXX XXXX XXXX  Washington DC XXXX needs to be investigated by the Local Police Departments or the Federal Trade Commission in Washington D.C. because some of the Employees that work for Ace Cash Express is Charging Customers XXXX Dollars or more money to Load Money on there XXXX XXXX  XXXX XXXX Visa Debit Card the real fee for Loading this XXXX XXXX Visa Debit Card is XXXX Dollars but when Customers Load Money on there Visa Debit cards at other Locations in the Washington  DC area the cost is XXXX dollars to Load some money on your visa debit card the same thing might be happening at other Locations besides XXXX XXXX XXXX XXXX Washington DC XXXX and other Criminal Activities at other Locations but Ace Cash Express needs to be investigated by Local Authorities
Product: Credit reporting or other personal consumer reports

Subject : Dispute Related to Social Security Breach. Dear Sir/Madam, I am writing to formally dispute any inaccuracies in my Social Security account resulting from the breach that occurred in XXXX My name is XXXX XXXX, and my I believe that my personal information has been compromised, leading to unauthorized access and potential fraudulent activities. I request that you conduct a thorough investigation into my account and take the necessary steps to correct any discrepancies that may have arisen from this incident. Enclosed with this letter are copies of any relevant documents that support my claim, including [ list any relevant documents, such as identification or notices ]. I appreciate your prompt attention to this matter and look forward to your response. Thank you for your assistance. Sincerely, XXXX XXXX Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account
Product: Credit reporting

I have judgements on my transunion credit report that have been paid off and should never have been reported. The sums were paid in full. I am still a resident of the apartment complex. I would like for these items to be removed.
Product: Student loan

CFPB Agents : AES/PHEAA will attempt to close this complaint and mark it as a duplicate. Should they do that, please know they are maliciously doing this because they do not want to provide legitimate answers to the complaint. 

AES/PHEAA continues to send duplicate correspondence for loans that are past due in what is my belief an attempt to harass me. I have received 2 pieces of correspondence that outline the loans that are past due during the week of XX/XX/2022. AES/PHEAA should not be sending the same correspondence multiple times. This is seen as an act of provocation/harassment ( as has been repeated multiple times in this forum and over the phone to AES/PHEAA ) XXXX AES/PHEAA has been warned several times in the past. As of this time, letters are being sent to Counsel with the dates received. The promissory note for ALL LOANS does not contain information that permits AES/PHEAA to insistently harass borrowers by sending multiple pieces of correspondence in the span of days to a week that outlines the same information, in this case, loans being past due. AES/PHEAA will try and explain that I should make the payments on time in order for the letters to stop. Unfortunately, that does not resolve the actual issue and AES/PHEAA is evading this issue by harassing me with all of these multiple pieces of correspondence. AES/PHEAA should not be sending the same correspondence over and over. It is my belief that they are doing this to annoy me ( and/or other borrowers ) instead of simply sending correspondence once. These loans are all consolidated at this point, so sending the same piece of correspondence within days to a week is completely unnecessary and will be seen as a violation going forward. Each incident where this happens will be counted. If AES/PHEAA continues down this road, I may reach out to the original issuer with counsel to potentially pull a specific loan or loans out of the service citing disturbing behavior on the part of your Agency. Again, the promissory note permits the alerting of loans past due ONE TIME. This does not authorize your agency to constantly harass borrowers with an identical copy multiple times. A potential restraining order against some agents who do not behave professionally is also a possibility. This is warranted due to a previous complaint where I outlined disturbing details from an Agent and AES/PHEAA claimed they couldn't " substantiate '' any of this misbehavior, which is honestly up for interpretation.

In addition, I have reached out to Senator Warren and provided her with the experiences I have been subjected to by your Agency and some of your agents. I look forward to hearing from her and the avenues she has in mind to protect borrowers from the consistent fraud and misbehavior that continues to occur within your Agency. 

AES/PHEAA : I would advise not closing this complaint without providing a response. 
If a PHEAA agent is responding to this complaint, it is advised you pass the complaint over to a Supervisor/Litigator for further review prior to responding in a premature manner.
Product: Credit card or prepaid card

I noticed a new recent Total Checking Account and Credit Cards Account open under my information without my knowledge or consent. I did not acknowledge any of these accounts. Please verify authenticity of the account holder. I did NOT consent or acknowledge of these unknown account open under my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account with Rooms to Go that does not belong to me, and will not be removed off of my credit.
Product: Vehicle loan or lease

My vehicle was paid off XX/XX/XXXX. My XXXX XXXX XXXX was financed through BBVA ( Compass Bank ). The received more money than what was owed on the account and they sent me a refund for the difference of {$730.00}. I knew three days after purchasing my new vehicle the over payment from the dealership. I called XXXXXXXX XXXX to get my gap insurance refund and they told me that I could not file a claim for that until they received a paid in full letter from Compass. I had to wait like 20 days before they were able to provide me with the letter. Once I got the letter I sent it to XXXX XXXX  and they told me that the money would go back to the dealership and Compass would debit the account and refund me my money in 30 days. I called Compass and they told me that they included that in the refund they sent me previously. This is not my first time paying off a vehicle and I know that was not true. I did not file a claim for the gap insurance until well after I deposited the check from them and I knew the exact dollar amount of my over payment and the amount they are saying is not correct. They are refusing to refund me my gap insurance over payment. I was told my payoff was {$350.00} cheaper than they are now reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters in to Experian, contacted them via phone, and faxed them over request to remove addresses from my credit report that I've never had any association with. They have responded that a creditor has given them this information, when requesting documentation that they received from creditor acknowledging they gave them this address, Experian has failed to provide it.
Product: Debt collection

3 accounts in collections that was paid off/charged off sent to collections its illega according to the fair credit reporting act. a loan cant be sold and charged off. XXXX? XXXX and XXXX XXXX XXXXXXXX XXXX AMERASSIST AR SOLUTION please remove