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

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account Dear CFPB, I am filing a formal complaint against Equifax regarding inaccurate information on my credit report related to late payments for the following account : Creditor Name : XXXX XXXX Account Number : XXXX Despite multiple disputes submitted on XX/XX/year> and XX/XX/year>, the inaccuracies remain unresolved. This failure to address the discrepancies constitutes violations of my rights under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). Below is a detailed account of the errors and discrepancies : Errors and Discrepancies High Balance : {$5500.00} Last Verified : XX/XX/year> Date of Last Activity : XX/XX/year> Balance Owed : {$4300.00} Payment Amount : {$170.00} Credit Limit : {$5500.00} Legal Violations Fair Credit Reporting Act ( FCRA ) : Under 15 USC 1681i, credit reporting agencies are required to ensure the accuracy of the information they report. Despite my disputes, these inaccuracies persist.

15 USC 1681s-2 mandates data furnishers to report accurate information. XXXX XXXX  has failed to provide corrected data despite clear errors. 
Truth in Lending Act ( TILA ) : 15 USC 1666b requires creditors to send periodic statements at least 21 days before the due date. The late payment reporting indicates a potential failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the need for timely and accurate billing to prevent unfair penalties. The reported late payments contradict my payment history and harm my creditworthiness unjustly.

Supporting Evidence I have attached the following documentation to support my claim : Copies of previous dispute letters ( dated XX/XX/year> and XX/XX/year> ). 
Credit reports from Equifax showing discrepancies. 
Proof of timely payments for the disputed months. 
Desired Resolution Immediate removal of all inaccurate late payment notations for the months of XXXX and XX/XX/year>. 
Written confirmation of the correction from Equifax. 
Failure to resolve this matter promptly will result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and possible legal recourse. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

I was getting offer from Chase to refinance my townhouse they start the process of refinancing my house and told me I need to put {$500.00} deposit. The agent XXXX XXXX told me if I cancel refinance they will not refund the {$500.00} If Chase decide not to proceed the loan they will refund my {$500.00} XXXXthey canceled my loan and never returned my {$500.00} I tried my best for almost 9 months they did not refund my money. 
I spoke to agent XXXX XXXX told him if they dont fix this problem Im going to complain to consumer department he asked me not to do it he will fix it and he did kept his promise and never return my phone calls
Product: Credit reporting or other personal consumer reports

I am a victim of identity fraud theft I have tried to handle this situation for years and only gotten worse this needs to get resolved XXXX XXXX -open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX  XXXX XXXX XXXX-open - XX/XX/XXXX XXXX XXXX- open XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Original creditor : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company is attempting to collect a debt and is using unfair practices according to The Fair Debt Collection Practices Act.According to the FDCPA 15 USC 1692c.d.e.f.I have no contact with this company, no debt or any contract with them for them to assume an alleged debt.This company has no wet signature of mine on any documentation, and can not provide any debt validation.I request debt validation from this company under 15 usc 1692g.Also request accounting information under US code 9-210.This company is using 15 usc 1692e and is threatening as an attorney to collect a debt not owed to them.
Product: Credit reporting or other personal consumer reports

I sent a letter on XXXX XXXX to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX  XXXX Bankruptcy U.S. Bankruptcy Court Reference XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00}
Product: Credit reporting or other personal consumer reports

On my credit report from both XXXX and Equifax it says I have a 30 days late payment on my XXXXXXXX XXXX XXXX from XX/XX/XXXX. I disputed the late payment ( with XXXX and Equifax ) because on my bank statement I have a payment to the card on XX/XX/XXXX. ( My payment date each month is the XXXX. ) This means my card would've only been XXXX days late, not XXXX. Both agencies rejected my dispute. They then referred me to XXXX to ask them to change it but XXXX stated to me that I can't dispute it through them and I have to go back through the ratings agencies. On top of this the PDF of the dispute Equifax gave me was extremely hard to understand and was XXXX pages long, while XXXX didn't even give me a file to review. Lastly, during XX/XX/XXXX I was switching banks and was starting a new job at the time which is the reasoning for the payment being slightly late in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX ORIGINAL CREDITOR : XXXX XXXXXXXX XXXX ORIGINAL CREDITOR : XXXXXXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I have a charge for XXXX from XXXX which I submitted a dispute on XX/XX/XXXX which has been handled carelessly. I have proof of the item being returned for a full refund and Bank of America has not done a complete investigation and is not moving quickly to resolve this issue. I have provided proof with tracking that the item was returned and received by XXXX and that a refund was processed but bank of america is still slow to complete the investigation and refund my money
Product: Credit card

Citi is sending me an unrequested, pre-approved credit card in the mail. I never asked for it. I did n't want it. But, when I called them to tell them not to send it, they said it was coming anyway. 
XXXX I thought credit card companies were forbidden from sending credit cards to people who did n't request them. How can they do this? 
The problem started because I am a XXXX member who has an XXXX through XXXX. When XXXX said the were going to stop partnering with XXXX, I called XXXX. XXXX said that they would not send a Citi card unless I requested it. But, as you can see from the attached XXXX/Citi mail, they are sending one to every XXXX cardholder whether they wanted one or not.
Product: Credit card or prepaid card

1. On XX/XX/2020, I called CapitalOne and requested to make a transfer of funds from CapitalOne to XXXX XXXX XXXX. The representative from CapitalOne instructed me to initiate the transfer through my CapitalOne banking app. I put my XXXXXXXX XXXX XXXX  information in correctly on the app and submitted the transfer request for {$3000.00}. 2. On XX/XX/XXXX, I received a statement on my app that the transfer was made to XXXX XXXX as opposed to XXXX  ). I do not have a XXXX account. I called CapitalOne and told them I do not have a XXXX account. The representative from CapitalOne told me to wait 14 days to make sure that the money did not go to XXXX. 3. After 14 days I called back, and CapitalOne ( a supervisor ) told me that they would have to put a stop to the check that they incorrectly sent to XXXX. They said that this would take 5 working days. 4. I waiting 5 days and called CapitalOne back. The money was not returned to my CapitalOne account. A CapitalOne representative said there is nothing they can do because the check was cashed by XXXX. They told me to go to XXXX and to request the money be returned to CapitalOne. I called XXXX, and they told me that CapitalOne needs to request the check from XXXX. CapitalOne then sent me a copy of the check. On the check, it shows the XXXX credit card number that I entered into the app correctly ; however, the address on the check shows that it was sent to XXXX and not XXXX. 5. I went back to XXXX and they said they could see the check in their system, but that CapitalOne needs to request the check. I went back and forth for two months now, and CapitalOne is refusing to resolve the issue and are insisting that I pay the {$3000.00}. 6. I went to a physical XXXX bank, and although they were not able to help me, they told me that CapitalOne has incorrectly sent checks to XXXX before and that I was not the first person to have this issue. 7. I have filled out a previous report with the CFPB, in which CapitalOne said they faxed XXXX a request for the money. XXXX has refused to return the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX Owed : {$660.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Owed : {$350000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Debt collection

Hello and good evening! I was shocked when I reviewed my credit report and found that you still reporting that alleged XXXX collection under my credit report. I've contacted both the Convergent Outsourcing collection company and the original creditor and sent them several letters demanding proof of this so-called debt that I owed them. I keep getting pre-printed templates with the transaction of the calls, but not the documents that i've asked for. Again, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX wrote of the " debt '' as a profit loss and did not provide XXXX 's on either account so that I can write it off as income, even though I have demanded it from them and referenced it in previous disputes with the credit reporting " bureaus '' that are not bureaus since CFPB is . 

I need a XXXX on both charge off accounts. 

Under the FCRA, I can seek statutory damages if the creditor furnishes inaccurate information about a " debt '' such as incorrectly reporting charge-offs while still claiming I owe a " debt ''.
Product: Credit reporting or other personal consumer reports

Dispute results clearly states '>>> The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account # - XXXX The results are : THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. If you have additional questions about this item please contact : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX '' -- -- Even with this proof Company has failed to investigate and has incorrectly reported file knowing they have a paper, digital and online copy of this
Product: Debt collection

Company called my phone number and my mother's phone number on X/X/2017 asking for information on my location and gave a call back number of XXXX XXXX XXXX without identifying themselves or the company they work for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Type, Status, Status Update, Balance, Balance Updated, Your statement and payment history is incorrect on XXXX, XXXX XXXX XXXX. This account should be deleted from my credit report. ( Credit Report From ( 3 ) three bureaus attached. )
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be remove from any affiliation with me immediately. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy U.S.

Bankruptcy Court Reference # XXXX XXXX  XXXX Bankruptcy U.S. Bankruptcy Court Reference # XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$560.00} XXXX XXXX Bankruptcy U.S. Bankruptcy Court Reference XXXX XXXX XXXX XXXX Bankruptcy U.S. Bankruptcy Court Reference XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I've contacted the three credit bureaus between XX/XX/2022 to present date in response to their reporting tactics and my reporting issues had not been resolved. Inaccurate late payments and and a charge off on my accounts with the three credit bureaus have been address to the credit agencies, but no action has taken place to correct the issue. Ive also taken several steps to reach out to the company reporting the information to the credit bureaus and have not gotten any response.

15 U.S.C. 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 A section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that my information was breeched. I was advised that I should get a credit monitoring service. Then I discovered a bills with XXXX XXXX XXXX, As of XX/XX/19 I discovered XXXX XXXX XXXX XXXX for amount of {$360.00}.
Product: Checking or savings account

ATM withdraws made in a city I have never been too, 30 minutes after I made a transaction to confirm my physical location. Bank declined my dispute without doing any investigation, and are refusing to provide details of anything
Product: Credit reporting or other personal consumer reports

I respectfully request the prompt removal of these unapproved inquiries from my credit report, as they are adversely affecting my eligibility for loans and access to credit. Furthermore, I would appreciate any documentation or confirmation once this issue has been addressed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Made several disputes subsequent to submitting documentation to the corresponding department fraud with Trans Union to have these remaining inquiries removed. I submitted the FTC report circling the inquiries that need to be removed from my credit report with Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with all credit bureaus via mail and CFPB XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below and verify the accuracy or delete the accounts. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. According to the FRCA XXXX5 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Accounts : XXXX XXXX, XXXX XXXX This issue is well beyond the 30 day mark and if these accounts don't get deleted immediately I will be taking legal action, this is considered a federal crime.
Product: Mortgage

I am a XXXX person, Ocwen loan servicing transferred this loan portfolio since XXXX XXXX XXXX from GMAC in bankruptcy Court. That court 's findings verified & ruled negotiated XXXX modification contract breached, valid, dozens of undue payments & charges & fees. Based on such Ocwen was required to comply but not doing so forced action which I handled for about two years. In requesting Ocwen to comply, Ocwen required undue payments, a un-requested loan payoff & after court overruled Ocwens demurrers & denied summary adjudications, Ocwen now has denied me monthly statements since XXXX XXXX. Ocwen was submited undue charges, fees, placing loan in past due status, sent unrequested loan payoff. now in choosing to litigate issues ruled breached by both bankruptcy & superior court asserts errors in XXXX modification. This caused XXXX of dollars in costs as I rely on Soc. Sec. XXXX I chosed contacting the cfpb & going over Ocwen Consent Order sections pertaining to charges, undue fees, monthly statements & errors on contract drawn by lenders, they still are have not provided monthly statements since XXXX XXXX, where I can see how payments are applied, escrow, insurance, fees etc. the response has been that loan is in litigation that why no statements has been or will be issued. I must emphasized there is still 17 years on my loan. by cfpb mentions these were the same reason why Consent Order was entered against Ocwen, to prevent this from happening again. Ocwen says it 's bank policy not to provide monthly statements if loan is litigated, but I did not see any exceptions on consent Order. How will I verify how payment is being applied with past history of undue charges?. My lop-top computer is not working so I can not go on line. Ocwen 's still do not want to issue statements. in addition upon placing loan in past due status, I have had to certify monthly payments which adds an additional charge which do not have to be. I understand that borrowers are supposed to correct all issues concerning loan charges, fees, within a quarter period. in addition, lenders can not claim errors on modifications per Consent Order sections. claiming errors, blaming customers for such it is outrageous, & using above excuses in retaliation is even more. once confirmed by cfpb officials complaint had merit I now make this declaration. I have evidence of undue payments fees & charges & un-requested loan payoff, bankruptcy court ruling minutes, ruling & order & superior court rulings of breaches and overruled demurrers available upon agency 's request. I have had several XXXX XXXX including a XXXX caused by these problems.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the discrepancy in how my credit score has decreased within a 30-day period. My concern at this time is that my credit score has decreased from XXXX to XXXX in less than 30 days. More specifically, XX/XX/XXXX, to XX/XX/XXXX. The reason for my concern is that my credit profile has not changed. My income is {$240000.00}, my credit usage is less than 1 % and I recently paid off an auto loan in XX/XX/XXXX. My student loans are paid on time in which one of my student loans was paid off in full. I have no credit card debt, which leaves me to believe my identification has been compromised. I recently placed a freeze on my credit report from any inquiries. I just learned that someone elses address is listed on my credit report. 

Unless there is a serious miscalculation in the formula used, how can my score continue to decrease if my payment history shows pays on time? It is hard to believe that my score would decrease at this pace with 1-2 credit inquiries. There can be no other explanation for a XXXX loss in my credit score for which I think a full investigation and explanation is warranted. 

Over the past 60 days I have allowed inquires when applying for loans to finance a dental procedure. I believe that the dental offices might have shopped my credit report around allowing my credit to be pulled multiple times which seems to have compromised my credit report and score.
Product: Money transfer, virtual currency, or money service

I sold an item on XXXX for a total of {$870.00} after fees. That amount was transferred to paypal, which they are not allowing to be withdrawn. I've withdrawn two other sale transactions this month, and used paypal for shipping labels and fee payments with no issues. 

On XXXX, I contacted paypal in an attempt to resolve this issue. I was told that now, not prior to this transaction, that i need to provide additional information to withdraw these funds. They asked for supplier information, this is not applicable. They also asked for what items I was selling ; they have complete invoices for each item which includes description, pictures, shipping information and sales. 

After a few minutes on the phone it was very clear they were unwilling to help at all, stating that the funds will not be released.