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

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payments on XXXX  XXXX Account Dear CFPB, I am writing to dispute inaccurate late payments reported on my XXXX XXXX account ( Account Number : XXXX ). Specifically, the account reflects a 30-day late payment for XX/XX/XXXX and a XXXX late payment for XX/XX/XXXX, which are erroneous and negatively impact my creditworthiness. 
Nature of the Complaint : Inaccurate Reporting : These late payments are false, as I have maintained a consistent on-time payment history through autopay.

Violation of FCRA ( 15 USC 1681i and 1681s-2 ) : The failure to correct these inaccuracies breaches the Fair Credit Reporting Act, which mandates accuracy in consumer credit reports.

Violation of FDCPA ( 15 USC 1692e ) : Reporting incorrect payment information could qualify as a misleading or deceptive act.

Violation of TILA ( 15 USC 1601 ) : The Truth in Lending Act requires that all payment and account information be accurate.

Civil Liability Under FCRA ( 15 USC 1681n and 1681o ) : Noncompliance with these requirements exposes the responsible parties to legal penalties.

Summary of Discrepancies Experian : Reported 30-day late payment for XX/XX/XXXX and XXXX late payment for XX/XX/XXXX. 
These late payments are inaccurate, as payments were made on time. 
Requested Resolution : I request the following actions : Investigate the inaccuracies and remove the erroneous late payment entries. 
Update my credit file to accurately reflect my history of on-time payments. 
Provide written confirmation of the corrections within 30 days, as mandated by the FCRA. 
Enclosed, you will find copies of supporting documentation to substantiate my claims. Please address this issue promptly to prevent further actions. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I made an attempt to make a 2nd money transfer today, but the teller at Western Union told me that she could not allow me to send more money because on XX/XX/22 I made a wire transfer to my mother XXXX XXXX XXXX $ XXXX tracking # : XXXX. She told me that people don't usually have that kind of money to be sending over $ XXXX in such a short peiod of time. Who is she to question me if I work XXXX Who is she to ask me for proof of how I make money or my source of income when I felt discriminated because I do not speak english and I was dressed in my XXXX XXXX  clothes. I felt discriminated due to my race and/or nationality.
Product: Debt collection

On XX/XX/XXXX I received a summons for a debt whch I had been making some monthly payments on. The amount of either {$6500.00} or {$6800.00} seems to be too high an amount. 

First, when contacted in XX/XX/2018, I had no proof that Midland Funding LLC initially in XX/XX/2018 was a valid creditor, and their main tactics seemed to be intimidation and threats to sue if large sums of money were not paid to them. The customer service individuals were clearly overseas and improperly trained. Eventually to avoid my own distress after encountering challenges due to domestic XXXX, I agreed to a monthly payment amount. 

This company seemed violate consumer laws in trying to threaten and intimidate individuals,, and show no respect or compassion for consumers encountering difficulties, such as lost jobs, or a move across the country. I initially endured harrassing phone calls, and minimal response to my statements and situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' - Experian states that dispute has been verified as accurate but will not update the disputed info but instead updated unrelated info. I was not able to get a free credit score. Experian removed two disputed account where other credit reporting companies didn't have. My car loan inquiry is a hard inquiry where it impacts my credit score in a negative way. Because of their mistake, I have bank have to conduct another hard inquiry and wait 30 days due to their mistake. 
Experian is just trying to get you to pay them for their service. More mistake they make more you have to visit their web site and get lured into paying for their useless services. 
Experian should be penalized for their mistake and pay penalty to the customers.
Product: Credit reporting or other personal consumer reports

Hello, My mortgage was transferred from XXXX XXXXXXXX XXXX to Flagstar bank. I was not aware of this transfer. I was made aware of the transfer when my credit monitoring service alerted me of a massive drop in my credit and I began investigations. The day i was made aware, I brought my account up to date and made all outstanding payments. I have an exceptional payment record to all parties. The agent who helped me let me know that " all the mail we have sent you has been returned '' and we determined that Flagstar bank did not have my correct mailing address. They did not include the unit number and thus, I was never notified that my account had been transferred. Flagstar had my physical property address All Digital communications from the bank ended in my spam calls from unknown numbers also were flagged as spam. 

I was transferred to customer service and they submitted a request to remove the negative credit memo they had reported, and said, " this is our fault as we did not properly notify you. 

The next day I was sent an email saying my request had been resolved and changes will be be reflected in my account. I called to confirm details of the resolution and was told my request was denied. After horrible customer service, I was told that this was entirely my fault and unless i can prove that they had the wrong address they could not help me. I am also confused as the statements that the customer service reps provided show XXXX as well as Flagstar.

Attached you will find the statements from Flagstar showing that despite having the correct physical address, they did not include the unit number which resulted in all the mail being retuned and me not being notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor, Discover Bank, has violated my rights. Under 15 U.S.C 1681 section 602 states, I have the right to privacy. Under 15 U.S.C 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX Amount {$750.00} The law is clear under section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

I have attached the company response. 

Should you remaining this account information upon receiving this message, I will fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Product: Credit reporting or other personal consumer reports

There is an incorrect account status for XXXX reporting on my credit report. I disputed before and they claimed it was not on the report. I just pulled my report again and it is back on there. I would like for it to be remove. I have never been late.
Product: Debt collection

I am unable to contact the company to pay my debt! I have tried to call, the contact home number on their letter is a XXXX recording. The phone number on their website just rings and rings and no one answers. Also, the registration code they provided to pay online does not work and I have tried on multiple devices. I just want to pay the debt but I have been unable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' an account with XXXX XXXX XXXX account number XXXX**** they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also supply the correct information to me. Experian has misled and deceitfully reported information that they have not properly investigated. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. They have also failed to supply me with document level contract to support the owner of the reported account. I have asked several times for this information to shown and supplied.
Product: Mortgage

I am a XXXX XXXX. One of my clients has authorized US Bank to talk with me at least 3 times, but they keep saying that they aren't authorized. 

They also say that the authorization only lasts 24 hours and then it stops. Is that legal?
Product: Credit card or prepaid card

I send a letter to discover ( the credit card company ) that they are reporting inaccurate information such ass balance updated ( inaccurate ), status updated, balance and payment history all inaccurate. They ( discover ) stated that this was verified and it still reporting inaccurate. They are still reporting inaccurate information and I want this deleted also I want my {$5000.00} total from ( discover ) for violating my rights. Is {$1000.00} per violation and there is 5 of them
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the CFPB to get validation for the XXXX XXXX XXXX reporting on my credit report. The company stated that they were unable to validate or locate my account. see attachment
Product: Student loan

I received an email on  XXXX   XXXX  from FedLoan Servicing telling me that I had a secured message. When I logged in to the service, I read a letter telling me to recertify for my REPAYE plan by  XXXX   XXXX . I submitted paperwork through studentloans.gov as directed on  XXXX   XXXX  and received an email on  XXXX   XXXX  stating that my request had been received. I then received another email on  XXXX   XXXX  that stated the exact same thing. Finally on  XXXX   XXXX , I received an email staying that I needed to recertify my ICR. I 'm concerned that FedLoan is dragging their feet and it will allow my ICR to expire, capitalizing my current interest and further damaging my credit.     This happened in   XXXX   as well, where it took nearly 4 months for them to process my paperwork and they capitalized my interest.
Product: Debt collection

I was contacted via email on XX/XX/year> stating that I owed a debt for a storage unit, in the email they gave the name of the storage unit and the location number, this is a company I have never seen or conducted business with. I attempted to look up the company online and the storage facilities claimed in the debt collection letter and found no information on the business. The company that contact me is Cedars Business Services , LLC, they stated " XXXX XXXX  XXXX has assigned your past-due balance of {$340.00} to Cedars Business Services for collections. '' This is not my debt and I believe this is a result of identity theft. I also question wither this is a legit company as I could not find any record of XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am formally submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These collection account should be deleted as a confirm of derogatory nor negative in my credit file. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these fraudulent collection account : XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$270.00}.
Product: Checking or savings account

I was invited to apply online for a checking account with Bank of America. I did so, and received an email a few days later asking me to login to my account to fund it. I received no other information. There was no instruction how to login to the account. On the next Sunday I received an email that I was declined. I have been with XXXX for at least XXXX years, and have a car loan with B of A that is current. The main reason I applied for the account was because in the last XXXX years of having the car loan I can never speak to anyone personally at B of A about having the loan debited from my current XXXX  account. 

Literally everything through this car loan has boiled down to me having to call a phone number to get it debited each month. 

I don't like B of A 's interactions regarding my applications/loan. It feels unnecessarily arbitrary.
Product: Credit reporting

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX on or about XXXX/XXXX/2015 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been disputed back in 2022 and this account DOES NOT BELONG TO ME NOR AM I RESPONSIBLE FOR THIS ACCOUNT. The bureaus nor the creditor was able to prove to me that I was the owner and by law that Is illegal and everything has to be removed per 15 usc 1681b! I am so disappointed with the companies and I do not want to have to take legal action. I am giving you all 1 more chance to make the situation better and finally FIX THE ISSUE BY REMOVING THE FRAUD ACCOUNT THAT DOES NOT BELONG TO ME FROM XXXX XXXX XXXX XXXX.
Product: Checking or savings account

I recently had my checking account closed with Chase bank in the first week of XX/XX/2020 because of fraud problems. I have been fighting against claims with them that I filed. I had changed bank and I wanted to make sure my direct deposit from my employer XXXX XXXX  would be switch over in time for my next direct deposit. On my employee payroll work site XXXX I was not not to delete my XXXX information for direct deposit so I changed from it checking to saving since I didn't have a saving account with Chase banking to make sure the Direct Deposit would be rejected if it was still mistaking send there instead to my new bank. On XX/XX/2020 my payroll check of {$840.00} was send to Chase Bank and POSTED under another saving account that was not my account since I never had a saving at Chase bank and it was used to pay a balance from two claims that I was denied. My employer XXXX XXXX   informed me that my funds was never send back to their bank and I was given the tracking number and all bank information to show how they send it to Chase bank. I talked a supervisor by the name of XXXX XXXX ID # XXXX, which she told me, yes that it was received as a saving account even thought my account had been already closed and since I never had a saving account but they was NOT reversing nor returned my funds and that it didn't matter. What Chase bank did was a violation and illegal and I would like to have legal action completed. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I called today XX/XX/2021 the FICO, TransUnion, XXXX, and XXXX. I called TranIsUnion, XXXX  and XXXX : who or company or organization is making my credit report to up or down. XXXX, Transuion and XXXX basically call FICO. 

When I called FICO they told me about how the calculate my score but reused me who, what, why, how and what for because I think my e-oscar should be higher then what they are calculating.

I would like to know who is making my credit score go up or down and how they calculating my e-oscar or any other software. I believe this a fundamental right whom is causing scores to go up or down.
Product: Credit card or prepaid card

3 accounts was opened in XX/XX/2016 while I ; d been outside of country. Please find attached my Identity Theft report with the police report.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$2500.00} Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX  : Balance : {$180.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX : Balance : {$88.00} Account Name : XXXX : Account Number : XXXX : Balance : {$920.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$830.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX : Account Number : XXXX : Balance : {$350.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$10000.00} Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$11000.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$13000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$2900.00} Account Name : XXXX : Account Number : XXXX : Balance : {$15000.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$24000.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$81.00} Unauthorized Inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

XX/XX/XXXX contacted VW Credit RE : payment history. Per VW Credit : the account is not up to date because the scheduled payment for XXXX, XXXX was never received. It also took two phone calls to even ascertain that it was the XX/XX/XXXX payment that caused the issue. The first CSR was rude and not helpful at all. I called VW Credit again and spoke with a much nicer more professional CSR. 

After checking my bank statements it is verified that a payment was made to VW credit via a phone payment and this is noted on the bank statement as paid to " AUDI FINANCIAL for the scheduled amount of {$390.00} on XX/XX/XXXX, ( please refer to the XXXX XXXX  statement. ) It should be noted that all prior payments are documented by my financial institution as payable to VW Credit, and NOT Audi Financial Services. The payment history from VW Credit does not reflect the XX/XX/XXXX payment, ( please refer to the document from VW Credit. ) This error on the part of VW Credit has identified the account as being in " arrears '' since XXXX, XXXX, and has had significant financial consequences, including : jeopardizing my credit score, placing the account in a " catch up '' mode when the account should be noted as ahead of my scheduled payment dates, AND adding additional financial charges and/ or penalties to the account. I want the payment noted by VW Credit in writing to me, or my attorney of record. I have furnished VW Credit with this information. 

I also request that all additional fees and or interest charges are refunded to this account. I made the payment on time and fulfilled my obligation as the debtor ; however, VW Credit is very good at stonewalling and has not from day been transparent in this matter. In the event that VW Credit noted a payment not received a simple contact with my attorney, ( who would then forward all correspondence to me, ) was certainly a viable solution. VW Credit made the decision to charge exorbitant fees instead and keep the account delinquent.
Product: Student loan

This is ridiculous that i have to open yet another case against American Education Services ( AES ) since they said FFEL loans are not covered by forbearance. I am actively trying to locate others who are experiencing the same issues bc this now seems predatory. Every federal loan program that is eligible for Biden relief is on forbearance except anything from AES. They scheme to find any way to charge and report negative credit info based on reinterpretation of details. They are using the letter against the spirit of the forbearance. I have a whole child to put in college by myself and cant pay my own debt. Yet my other student loan company clearly understands the assignment as they have me on forbearance with the same loan type. This is the 2nd time they have done this and got away with is based off XXXX about the type of FEDERAL loan i have AND using my personal forbearance as opposed to using the federal mandate. They are flagrantly flaunting government defiance by publicly denying adherence. PLEASE for the love of XXXX stop their predatory practices not to mention the {$16000.00} additional fees they have continued to add since interest accrual HAS NEVER STOPPED!
Product: Credit reporting or other personal consumer reports

I recently viewed a copy of a credit report, and I noticed there are unauthorized credit inquiries made by the companies listed below. 

To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and remove these fraudulent inquiries from my credit report. 

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