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 Experian 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 Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX 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 : The reported late payment was incorrect because I made the payment on time. My records show that the payment was processed successfully on the due date. However, due to an error in the creditors system, the payment was posted late, which led to the inaccurate late payment entry on my credit report. 
Evidence provided : Bank statement showing the payment made on the due date. 
Confirmation email from XXXX XXXX XXXXXXXX verifying the payment was received on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian 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 or other personal consumer reports

My father stole my identity as a kid and a bunch of his stuff is on my report. Wakefield and associates is the collector
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that Firstmark Services is in violation of the law. I find that Firstmark Services is in violation of 15 U.S. Code 1692g - Validation of debts : ( a ) Notice of debt ; Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; First Mark Services is illegally reporting on my consumer credit report alleging that I owe them money for a loan. I have never consented to do business with this entity, signed any loan documents with them, or granted them permissible purpose to obtain my personal information let alone furnish it on my consumer report. I demanded that Firstmark Services validate the alleged debt they are reporting on my consumer report and they failed to comply with any sections of 15 U.S. Code 1692g. 
Firstmark Services is willfully reporting misleading and inaccurate information. They responded to my request with : all credit reporting is valid and accurate along with we do not offer courtesy credit reporting retractions. This is unacceptable and unlawful as this does not validate any debt. I am very concerned and damaged by their actions. I am seeking legal counsel and would like to file a formal complaint.
Product: Credit reporting

I have disputed my XXXX account with Equifax more times than I can count. XXXX is paid yet Equifax refuses to update the status of the account to paid as agreed and closed. XXXX has reported the {$0.00} balance. I called and was assured by a customer service agent that he was personally going to change the account to closed. I check my credit today, it is reporting as open AND 120 days past due. Neither is true. I do n't know what to do anymore. They had so many mistakes on my credit report I have lost count and they flat out refuse to fix anything even when the company that is reporting it agrees that I am correct. Equifax is literally ruining my life.
Product: Mortgage

On XX/XX/2024, I received a loan estimate from Better.com for a mortgage on my property. Before receiving this estimate, I was repeatedly assured by the company 's representative, XXXX, that all costs except for Prepaids ( F ) and Initial Escrow Payment ( G ) would be covered by lender credits. Based on this information, I decided to lock in the mortgage rate with them. 

However, upon reviewing the loan estimate today, I found that additional costs were included that were supposed to be covered by the lender credits, contrary to what was promised. This has caused unexpected financial concerns, as I was explicitly told that these costs would not apply. 

Immediately after reviewing the estimate, I made multiple attempts to contact XXXX via phone and text messages throughout the day to clarify this discrepancy, but I have received no response. I also reached out to Better.com to escalate the issue, but I have not yet received any communication or resolution from the company. 

Due to this misleading information and lack of response, I feel I have been misled about the true costs associated with this mortgage. I have requested that Better.com either adjust the loan terms to reflect the promised lender credits or cancel the loan process altogether with a full refund of my {$550.00} fee. Additionally, I seek compensation for the hard credit inquiry on my account and the time wasted due to this issue. 

As of now, Better.com has not taken any steps to address or resolve my concerns.
Product: Prepaid card

This is my XXXX time experiencing this issue with Cash reloads regarding Netspend. Made a cash reload @ XXXXXXXX XXXX  XX/XX/2024, XXXX and still no funds in my account I went to deposit {$500.00} into my account using the barcode feature they have in the app and the cashier at XXXX scanned everything and gave me a receipt so im thinking it worked fine. well i was wrong, i still have not had the money come through to my account and this is not my first time having this exact same issue with the exact same bank, i dont know if the feature just doesnt work properly or what but im out of {$500.00} and i made sure to save my receipt as well as the barcode i used for the add cash. Calling XXXX for help leads me nowhere and calling Netspend just tells me to visit the location again. 

Ill be stopping any business i have moving forward with this Banking Company because having to wait weeks to get my money thats lost in limbo is not exactly user friendly. I been loving this bank besides the fact i can not deposit cash into my account because its never processed by Netspend correctly and it never reaches my account. I hope nobody else has to go through this issue honestly
Product: Credit reporting or other personal consumer reports

On Saturday, XX/XX/2024, through the XXXX app, I applied for a small loan. Previous continuing the application, I tried to reach someone as I had questions, and it was kind of difficult to me to understand the website. Because it was Saturday, I didnt reach anyone, but I continued the application, using my brothers address in Florida which was approved. 
Researching on the main website of Onemain, again, because everything was done through XXXX app, I read that the loan its specific for some states. Thats when I knew the application wouldnt go forward as all my documents are from Puerto Rico. 

XXXX, from the office of Florida, reached me on Monday, XX/XX/XXXX to keep forward the application but when I told her that I live in Puerto Rico, she told me she must withdraw the application even if its was approved as Im out of the state. I agree but I requested her, then, to please remove the inquiry because I tried to reach someone previously and no one answered. 

She told me that I needed to reach XXXX and request it, which I told her thats not how it works, but I did it anyway. 

On XX/XX/XXXX I was reached by XXXX, and they told me the same thing I told XXXX, that its the company that has to send a letter to the credit bureaus ( XXXX and XXXX too ) requesting the removal of the inquiries. 

I sent a letter to OneMain financial that I would appreciate the help on removing this inquiry in both XXXX and XXXX as Im working towards mt credit and it was XXXX and their website not clear in whom can apply for the loan. 

Again, I wanted to be oriented but no one was available. The loan was approved but withdraw by them. 

Today I receive a letter, a plain letter, not stating anything just that I authorized the inquiry. I knew that I would be approved as I have good credit, but without the whole information of who can or cant apply, I was affected.
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX and on XX/XX/XXXX I borrowed {$5000.00} from SpeedyCash Payday Loans due to unexpected financial hardship. The agreement had a pre-determined scheduled payments of {$260.00} starting in XX/XX/XXXX and ending in XX/XX/XXXX. They automatically deduct {$260.00} from my bank account every other Friday. I have been paying every payment on time and on XX/XX/XXXX I manually paid an additional {$300.00} via Speedycash website www.SpeedyCash.com to at least reduce the never-moving balance. SpeedyCash was scheduled to deduct the {$260.00} payment on Friday XX/XX/XXXX but today is Wed XX/XX/XXXX and SpeedyCash still have not deducted the payment from my bank and the 130.460 % interest rate is being compounded daily. I believe they are retaliating because I made additional payment. I am a victim of gauging and usury. I have every intention to pay off this loan but SpeedyCash does not provide payment/balance history and I have no idea what my balance is. They only provide " payoff '' balance and when I requested balance inquiry in the past they provided me with a copy of the same payment schedule. I have no clue where I stand and they are charging me 130.460 % interest rate DAILY. The {$300.00} additional payment was deducted from my bank but not the {$260.00} regular payment deduction on Fri XX/XX/XXXX. This company is gauging me thru usury by not applying my payment - therefore, I am filing this complaint. I would like to be compensated for ALL the days my payment was not applied on Fridays ( following Mondays instead ) which added much more interest to the principal balance. I am tired of them gauging me. PLEASE HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters and called Navy Federal requesting the removal of a Fraudulent address and all accounts that were associated with the fraudulent address. 

I have never lived at .. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Please remove the address and all the accounts you have associated with from my credit report. Furthermore i called the apartment complex for that address and they dont even have an XXXX XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received a call from Southwest Credit Systems in XXXX, telling me that I owed {$100.00} for a XXXX bill. I haven't had XXXX in over three years and told them I didn't owe this. Asked them to send written notification. Never received written notification. Got another call from them in XXXX saying that they were going to report me to the credit bureaus. 

I asked again for written notification. Didn't get it. On the week of XX/XX/XXXX, I saw that my credit had gone down due to a derogatory report from Southwest. 

I called them and found out that the address attached to the account was XXXX XXXX XXXX, XXXX, DE. This is not my home and I have never been there. 

I figured that this was attached to fraud I experienced in XXXX - XXXX when someone stole my social security number. They opened a XXXX XXXX Credit Card. I resolved that fraud and froze my credit accounts. I didn't know he also opened a XXXX account until this week. 

I filed a fraud report with XXXX and have not yet heard from them.
Product: Credit card or prepaid card

In 2015 I purchased a XXXX $ tv from Best Buy with a 2 year interest free BestBuy Citibank credit card. I wanted the minimum payments to pay off the tv in the 2 years and never made another purchase on the card. The statements were being sent to an email address that I was unable to access. We had a Fire early last year and need to replace all the electronics so when I applied for a new credit card under new email address that's when I found out that I've been paying XXXX $ a month for the past 5 years. for close to XXXX $ with a balance of XXXX or so left. We contacted a supervisor at Citibank and explained the situation to XXXX team number XXXX out of Tennessee. He refused to remove the interest charges and said there was nothing anyone could do about it. 
I appreciate you looking into the matter and any assistance you may be able to give
Product: Credit reporting or other personal consumer reports

There are some accounts on my credit file that I dont recognize. I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the account status, the account high balance nor to I recognize the late payments associated with these accounts. 
These accounts do not meet FCRA requirements. 

XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card This account is reporting a 30 day late payment on XX/XX/XXXX but on XX/XX/XXXX it is being reported as current. This data is not accurate or reliable being that there is only 30 days in a month. 
Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file. 

2.Account info Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file. The data does not show when the last payment was made, it shows that a {$5.00} payment was made XX/XX/XXXX I requested proof of this but it was never provided. A proper investigation was never conducted. 

XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX The data does not show when the last payment was made, I requested proof of this but it was never provided. A proper investigation was never conducted. 
Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file. 

XXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX The data does not show when any payment was made or the last payment and when this account became charge off, I requested proof of this as well as a 1099c form the creditor should have provided to me when the account status changed to Charged off but it was never provided. A proper investigation was never conducted. 
Under 15 USC 1692g this does account does not meet FRCA and needs to be removed from my credit file.
Product: Credit reporting or other personal consumer reports

As I was checking my trans union report I noticed something an inaccurate account on my report. XXXX XXXX XXXX say I was 90 days past due. XXXX XXXX XXXX XXXX  This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) According to FCRA Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

My payday loan with XXXX went in to default last year when I hit some hard financial times. Apparently the debt has been sold numerous times to various collection agencies. I received a call XXXX days ago from a company called National Check Recovery, a gentleman named " XXXX XXXX '' stated I would be receiving papers for fraud as the loan was n't paid off. I called the number and reached National Check Recovery/XXXX, who stated I would be served with papers for fraud. I spoke with customer service at XXXX and they stated they do not work with this company in any way. 

The original loan with XXXX was for {$500.00}. I requested a validation of the debt, which shows the debt as over {$900.00} more than the pay day loan, but if they had to sue me it would be nearly {$3000.00}. I received the validation from them but there was not an itemized list of the charges. I spoke with XXXX XXXX today and he became verbally abusive with me, threatening to sue for fraud as I did n't pay the loan off. 

I told this gentleman I had not received any notice of this debt from their company and their threatening phone call was the first I had heard from them. XXXX XXXX told me they had sent " numerous '' notices by mail, but would not provide me with proof of this as I told him I had received nothing. I was unable to even speak an entire sentence during the conversation as he continued to interrupt, yell, and speak over me to the point where I had to firmly inform him that I would cease communication with him if he did not stop interrupting and raising his voice. 

I am meeting with an attorney tomorrow and told XXXX XXXX I would be showing the paperwork to the attorney. XXXX XXXX demanded to know the attorney name and address and phone number, which I did not share with him because I have not retained the attorney formally. He became quite verbally upset with me when he found out I was speaking with an attorney and asked what I was trying to " accomplish ''. 

I asked to speak with the XXXX XXXX, who left the original message a number of times over the last XXXX days, yesterday I was told he was " out to lunch and would call me back in about XXXX minutes '' and I never received the call. I called XXXX more times yesterday and asked for him and never received a call back. I asked again today to speak with XXXX XXXX and was told he does n't work there and is a process server. 

To date, I have not been served any paperwork ( which I 've learned in reading numerous times online that this is common with XXXX and XXXX XXXX, and people do n't receive any paperwork. ) I am attempting to validate this debt, yet National Check Recovery only makes threatening comments regarding fraud, and it is against the law to threaten jail time or be abusive over the phone when talking with a consumer. What do I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is inaccurately reporting a collection account on my credit report which doesn't belong to me. This same account has been disputed with XXXX. XXXX investigated and deleted it. I learned of this erroneous inaccuracy on my account when my credit was pulled for a Mortgage Loan application. This erroneous report has negatively impacted my credit worthiness. XXXX violating my consumer rights protected by the FCRA, 15 USC 1681b ( a ) ( 2 ) " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written consumer who it relates to. '' This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent proof over 5 times in the past 2 years showing I was a victim of identity theft still the accounts remain I asked the company to send me over verification and prove that I am on these accounts and I signed documents or contracts with these companies on XX/XX/. They did not do a proper investigation. They did not respond to my letter. 

I am a victim of identity theft I reported these accounts listed above many times its still on my Credit file Based on, 15u.s code 1681c-2 a consumer reporting agency shall block the reporting of any Information in file of a Consumer that the Consumer identifies as information that results from an alleged Identity theft. not later than 4 business days after the date of receipt. it has been 30 days and you are in VIOLATION of the law because I am a victim of Identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my Consumer report as they are in VIOLATION under 15 u.s code 1681b- permissible purpose of Consumer report ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a Consumer report under the following circumstances and no other. ( 2 ) in accordance with WRITTEN INSTRUCTION of the Consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my Consumer report which violates my rights as a federal protected Consumer. NO CONSENT IS IDENTITY THEFT. As a Consumer I am demanding the deletion of the accounts listed IMMEDIATELY XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Have not received the " method of verification '' for the following invalidated, inaccurate account on my credit report requested over 60 days ago on XX/XX/21. This is a request to comply and a notice that Experian is in violation under section 611 ( a ) ( 6 ) ( B ). Immediate action is demanded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX inquries XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX inquries XX/XX/XXXX XX/XX/XXXX XXXX XXXX  inquiry XX/XX/XXXX XX/XX/XXXX have contacted company with no results