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 TransUnion 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 : TEXAS XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by TEXAS XXXX 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 : Payment Was Made On Time : I made the payment for XX/XX/XXXX on time. I have provided bank statements and payment confirmation receipts showing that the payment was processed before the due date, but the late payment was inaccurately recorded. 
Clerical Error at TEXAS XXXX XXXX : After reviewing the account, it became evident that the late payment was a result of a clerical mistake on the part of TEXAS XXXX XXXX. The payment was mistakenly applied late despite being made on time. I contacted customer service, and they confirmed the error. I have attached email correspondence from TEXAS XXXX XXXX confirming this issue. 
Account Closure : The account was fully paid off and closed as of XX/XX/XXXX, and no further activity or payments should have been reported after that date. The presence of a late payment in XX/XX/XXXX is not only inaccurate but also impossible given the account 's closure status. I have attached the account closure statement from TEXAS XXXX XXXX as evidence. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion 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 XXXX
Product: Debt or credit management

I made several payments to them to clear up my XXXX XXXX
Product: Mortgage

Hello, I certainly hope you can help me. This problem originally began as a foreclose. We had a mortgage with OCWEN. We tried time after time to modify our loan with no chance of it happening. This was back in XX/XX/2013. They kept losing our paperwork, thus leading to deadlines not being met. We never got to speak to the same person. We were struggling to pay our mortgage and we needed to remortgage it in order to keep our home. Something was always wrong with the documents we sent in or they lost something. They ended up encouraging us to do a short sale and we followed their advice to the letter. In the end, we lost our house to a foreclosure. This was our first house. We moved from XXXX to XXXX  to be with family. A couple of years later we received a couple thousand settlement because they were sued. I am asking for OCWEN to remove their name and account from our credit report. That is it. We can't go back and get our house back. Yes, they should have helped us, they could have helped us, but they did not. They can remove this from our credit reports. It's the least they can do. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Lexis Nexis has reported a XXXX XXXX XXXX as XXXX XXXX XXXX XXXX on my record. All of a sudden all of my affordable insurance have gone through the roof!!! I requested a copy of my insurance scores by making an on line account after a nice gentleman told me about them..I had never heard of them. They locked me out!! I sent a letter returned. I am in insurance XXXX. I cant get new insurance anywhere ... I am now a risk. I have good credit own a home and no ticket. I am XXXX this has ruined me. 
Here is the address : XXXX XXXXXXXX XXXX XXXX GA XXXX Here are phone numbers that dont work : XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Upon reviewing my credit reports, I noticed that there may be some violations per the Fair Credit Reporting Act. I noticed with the XXXX XXXX account number XXXX on XXXX the date opened states XXXX and for XXXX it reports open date as XXXX. The other account with the same creditor account number XXXX states that there is a balance of {$700.00} owed on this account but there is another account under the same exact name and amount owed account number XXXX states this account was opened XXXX. Neither of these accounts am I familiar with. There are two other accounts that I am not familiar with until I currently reviewed my credit reports. One account is XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX. I also noticed with this account that there are inconsistencies in the balances on XXXX the balance reflect as {$760.00} while on XXXX the balance reports as {$760.00}. Please remove these unfamiliar accounts that is possible fraud accounts. 

I also noticed that there are an enormous amount of inquiries on my reports that have not been requested by myself. I am asking that these request for credit inquiries please be removed. These inquiries includXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thanks again please do a detail investigation of these accounts and remove as soon as possible because they are having a negative effect of the scores reporting on all three credit bureau.
Product: Debt collection

Collection will not respond to my letter nor my phone calls. They removed debt from my XXXX then later added to my XXXX and XXXX. This is a false debt which they will not validate the debt. The have 2 collections on my credit report
Product: Credit reporting or other personal consumer reports

I requested the following accounts to be investigated on my credit reports for accuracy and validation. XXXX XXXX XXXX XXXX. These accounts have several errors and need to be deleted under the FCRA Laws requiring accurate reporting by all the bureaus and companies reporting this information. As you can see in the attached documents all the data that is not reporting accurately according to the FCRA and the FDCPA.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding inquiries on my credit report that your agency has failed to address and remove. It has come to my attention that XXXX was able to promptly address and rectify the inquiries that I raised to them simultaneously with the inquiries I brought to your attention. However, your agency has not provided the resolution that I anticipated.
Product: Credit card

My card 's payment due date is the XXXX of each month. On XX/XX/2024, I paid my balance due in full using the Aplpe Pay feature that I always use, which is linked to my checking account that I always use. I received an email from the company acknowledging receipt : " We've received a payment of {$430.00} you made on XX/XX/2024. This payment has been applied to your account already. '' Then, on XX/XX/XXXX, I got another email saying that " Your recent payment of {$430.00} on XX/XX/2024 from the bank account ending in XXXX was unsuccessful and has been reversed. '' The four last numbers mentioned in their emial are rather a suffix for my account, not the direct deposit number that I gave when I linked the account to Apple Pay. In any case, my account had enough funding throughout all these dates, and I proved this to the bank. 

Because it was already XX/XX/XXXX, the bank charged me an interest of {$6.00}. I made the payment again and called Customer Service, explained the situation and got that interest waived. 

To me, the situation was solved, but on XX/XX/XXXX, my statement showed and extra {$20.00} of interest charge. I texted Customer Service and the rep said he would open a case because I shouldn't have that interest there. 

When I checked on my case number, they started saying that I was late on my payment, that I had attempted to pay with one account and when it failed, I paid with another. I provided evidence that it is the same account, and explained that I have no fault in the payment being rejected, but that the bank should honor their acknowledgement of my payment. In any case, over a month of conversations, the bank has provided three different explanations for the interest, the latest one being that it is a " trailing interest ''. They say that " To stop trailing you have to make 2 full monthly balance payments on time consecutively. '' Then, they apologize for not explaining this before but that I signed a contract with them and should have read it.
Product: Credit reporting or other personal consumer reports

Requested an investigation with a dispute I sent on XXXX/XXXX/2024. I wrote to transunion to have some inquiries investigated an removed.They are not mine. I already contacted the company and they said I needed to get in touch with the credit bureau. Im stressed because I did not give that company permission to run my credit. The inquiries were not authorized and Transunion never responded.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX United States TRANSUNION ATTN : DISPUTE/CLIENT RESOLUTION XXXX RE : FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/2023 as listed on my most recently reviewed consumer credit report, there are several fraud/unauthorized inquiries listed. As a reference, please see the below inquiries : see attached I am hereby notifying you that these are fraudulent and neither on those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given TRANSUNION permission to furnish this information. Having understood this is a violation of 15 U.S.C. 1681b. Both together and separately my consumer and privacy rights are being violated. 

The aforementioned fraudulent/unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as the reporting of them has caused me and my reputation harm and discrimination. 

Without XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was notified by XXXX XXXX that hard inquiries were made on my credit report from XXXX companies. These included : XXXX. A hard inquiry from XXXXXXXX XXXX XXXXXXXX XXXX. A hard inquiry from XXXX XXXX XXXX XXXX A hard inquiry from XXXX XXXX First, I went online to dispute these inquiries and the associated telephone number with all three credit bureau. XXXX removed these inquiries from my report. XXXX did not remove the XXXX XXXX  inquiry from my report, and on XX/XX/XXXX I submitted another dispute online. XXXX is requiring me to submit a report to the FCC and mail them the report. 

I also froze my credit with all three credit bureaus. 

I also called all three companies to dispute/cancel the applications and have them dispute the hard inquiries with the XXXX credit bureaus. XXXX XXXX was XXXX challenging to reach a human being through their robocall answering system, but after several hours of trying to use different key words I was able to reach a human being and they were able to help me. 

On XX/XX/XXXX XXXX XXXX notified me that a fourth hard inquiry was made on my credit report from USBANCORP. I called USBANCORP to dispute/cancel the application and to have them dispute the hard inquiry with the XXXX credit bureaus. They are also requiring me to mail/fax in additional information. 

After this, I called XXXX and went online to dispute this inquiry with XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My information may have been impacted by the XXXX, TransUnion and XXXX XXXX XXXX and may have got into the hands of the wrong person Under The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt.

3. Evidence that your company has legal standing to collect this debt.

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately.

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter. 

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by law.

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Respectfully XXXX XXXX XXXX UCC-1-308 without prejudice
Product: Credit card or prepaid card

I opened an with Kay Jewelers on XX/XX/XXXX with a limit of {$750.00}. The account was paid off and closed at my request in XXXX of XXXX. On XX/XX/XXXX at approximately XXXX @ XXXX  XXXX XXXX  in XXXX XXXX South Carolina I went in and opened another account. The manager of that store also told me that I no longer had an account and I would have to re-apply. I reapplied and received a limit this time of {$1000.00}. I spent {$560.00}. XXXX of the {$1000.00}. The first mistake is XXXX never sent me a bill to make my first payment. The second mistake is that I went into the XXXX @ XXXX XXXX in XXXX XXXX Maryland on XX/XX/XXXX and bought {$200.00} dollars worth of jewelry and then got a bill from two different credit card company saying that they were kay jewelers which was XXXX XXXX, and XXXX XXXX XXXX. When calling both companies, I was told that I had to pay them both, but it was impossible because I used the XXXX account # that XXXX XXXX   gave. So I disputed, there was no previous XXXX account on my credit report and according to XXXX XXXX, all in store cards were sold, and didn't report and mine was a in store card and a account that had been paid off and closed out before. As soon as I made noise and disputed with both companies, no one knew what I was speaking account so I reported both accounts as fraud. I have no problem paying what I owe but will only pay what I owe. A supervisor from kay jewelers called and let me know that they would start and investigation in to the account andn let me know the account but in the mean time, halt everything, so I haled payments. The other company told me the same thing. XXXX swears this account was opened i XXXX of XXXX, when it was opened in XXXX of XXXX, they are reporting 10 missed payments, and XXXX  is reporting 5 missed payments, I never missed anything becuase no one could figure out what was going on, it was XXXX XXXX issue putting me on 2 different accounts, not mine, This issue went on for months, and we finallly resolved it with XXXX XXXX and paid what was past due. But instead of taking the lates off because of the fraud issue as they prmised, they put more on there and decreased my limit to XXXX. My credit is important to me, and these lates are bring my score down drastically because they had 2 finance companies and though no one would figure it out. I need the late pays for both companies taken off of my report please.
Product: Debt collection

We bought a water softener in XXXX of 2015. The loan was for {$6400.00} for 6 years. We made minimum payments. 

The first year we paid $ XXXX/month with a 5.9 % interest rate. The following years until the present day we have paid $ XXXX/month with a 13.99 % interest rate. 

Year-to-date, we have paid {$4100.00} and only {$1400.00} of that has gone to the principal amount. {$2600.00} has gone to interest. 

There was one month where only {$1.00} went to the principal. The paperwork does not say what the amount would be just paying the minimum for 6 years. 

We have a balance of {$5100.00}. These types of water softeners go for about {$1500.00} at XXXX XXXX. The terms of our contract are unfair and contain predatory lending on behalf of Aqua Finance.
Product: Mortgage

I mistakenly thought that I had another 6mos extension ( so I was told ). When I contacted the mortgage company, I was told that I was contacted via mail about the pending deadline. Dont remember seeing it come in the mail. 
My complaint is the company is making it very very difficult to work with. I was told that my forbearance was only 6 mos ( the mistake mentioned earlier ) and now I am being reported to credit reporting agencies. I was told that there was nothing that could be done about that. They would not let me pay online. The only way to pay is mail a check or call. I opted to call. I chose the call back option. I called between XXXX pm. My return call came at XXXX oclock PM! I missed it of course. Second call I chose call back, this time it was XXXX hrs!!! I then sent check through my banks bill pay. I sent it on the XXXX and the check bounced on the XXXX. I didnt check my account. I just assumed it had already passed. That is my fault totally. 
My main concern is Im afraid that the next time I hear from them, it will be the foreclosures department. Please advise Im helpless.
Product: Debt collection

XXXX XXXX XXXX XXXX sent me a debt collection letter. I received this letter on XX/XX/2018. On the same day, I responded and asked the collection agency to validate the debt and provide HIPAA authorization. On XX/XX/2018, I received another letter dated XX/XX/2018 from the collection agency. The letter states that the collection agency has verified the charges with the original creditor and includes an itemized billing. The collection agency failed to validate the debt pursuant to the FDCPA or provide any agreement with the original creditor that would grant the authority to collect the alleged debt. The collection agency failed to provide a copy of my signature with the provider of service to release my medical information to the collection agency.
Product: Mortgage

I received notice that my account was past due! I had payment set up with my bank to sent payment each month, and my insurance payment was sent from my credit union account each month. I paid the taxes when they come due. 
In XXXX my payment was returned to my bank no explanation. I contacted my insurance company and payments were sent for period on time. then in XXXX of 2015 the mortgage company sent my insurance company a payment of {$1600.00} which is the total insurance on my property for one year. Then they increased my payment from XXXX to {$590.00} which is an increase of {$380.00} - if you divide the {$1600.00} by XXXX you come up with an amount of {$130.00}. What happens to the additional {$240.00} that they are charging. 
So I sent a letter to the Nationstar Mortgage company w/return receipt requested. Wanting to know why my payment went from {$280.00} to {$590.00} ( I called several times leaving my name, loan # XXXX and a contact number for them to contact me. Never heard from them. ) The registered letter was signed for on XXXX XXXX by XXXX XXXX still no phone call or explanation of why my bill is doubled what it should be. Had they left it alone I was making my house payment out of my bank account, and the insurance payment was automately made out of my savings account. This company has messed with my account and now I do not know what is going on. I am putting a CASHIERS CHECK in the mail for {$2700.00}, which is what they state that I owe. I want an explanation of the charges. that this covers along with an explanation of why they are messing with my account. I have called several times and still can not reach anyone. How can they take over my " LIFE '' by not contacting me or explaining these charges. I want to receive a phone call from someone along with an adjustment on my accountThanks for your help