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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by 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 Delay Due to a Bank Transfer Error : My payment for XX/XX/XXXX was initiated on time. However, a processing error on my bank 's end delayed the transfer by XXXX hours. I provided bank statements and transfer confirmation showing the exact date the payment was initiated and the error acknowledged by my bank. 
System Outage on Payment Portal : During the period in question, XXXX experienced an outage on their online payment portal, which prevented me from making a timely payment through the usual online process. I contacted customer service immediately after the issue and have attached screenshots of my conversation with their support team confirming the technical outage. 
Incorrect Late Payment Assignment : The late payment was incorrectly applied to my account even though my payment history shows that I have consistently made on-time payments. There was no valid reason for the assignment of a late fee or the reporting of this late payment, and I have attached payment receipts that show consistent payments for the past two years. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020, i mailed a letter asking for verification of accounts listed on my credit report because I was recently denied credit. I never received a response so I mailed another letter o XX/XX/2020. It has been almost six weeks since the last letter and I still haven't received a a response.
Product: Payday loan, title loan, personal loan, or advance loan

Charged fee and saw I have an outstanding balance of {$90.00}, theyd been accumulating fees since last XXXX, informed them of my ACH revocation and was told this was not allowed, I informed them of my right as a consumer to request this and was told it was not allowed
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's dispute handling, particularly in light of the recent CFPB lawsuit that highlighted significant platform issues. Despite multiple uses of Zelle and reported discrepancies, my financial institution and Zelle inadequately investigated my claims. I was told that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has neglected consumer protection and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I moved from XXXX XXXX XXXX XXXX on XX/XX/year>. They lied saying I owed a balance of {$5600.00} and when I asked where the amount came from I was told that I broke the lease. I have proof that I didn't break the lease.. My rent was {$1200.00} at the time and I only had XXXX month left on the lease. So even If had broke the lease which I didn't that still would not add up to {$5600.00} dollars. I moved XX/XX/year> and I my wife wrote the property XXXX in a letter that we would be moving XX/XX/year> after she sent me a letter stating she would allow me and my wife to terminate the lease early. Which XX/XX/year> my lease would have been up. After we received the collection from XXXX XXXX XXXX and disputed with them asking for itemized statement and original contract we never received anything or even the dispute resolution. We also disputed with the the credit bureaus. Transunion removed my wife but found mine as accurate. I included copies of the document.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma said on my credit repo.rt that i would get XXXXXXXX XXXX if i did not get approved for XXXXXXXX XXXX XXXX .l did not get approved and have not heard a thing from credit karma
Product: Mortgage

We changed homeowner insurance companies in XX/XX/XXXX. Navy Federal was notified immediately. The annual premium for the new company was paid in full by me, by check, check # XXXX, at the time the new policy was taken out. Navy Federal, however, went ahead and paid the old company a new annual premium after being notified that we were not going to renew the policy. I notified the old company that the refund should be sent to me since I had paid the premium in full for the new policy. I sent Navy Federal a copy of the canceled check proving the payment in full. They feel the refund from the old insurance company is theirs to keep and I was out of line to claim it. I have requested an escrow analysis. I keep getting verbal analysis that change daily. Friday, XX/XX/XXXX, I had a surplus of {$360.00}, today, XX/XX/XXXX, I have an overage of {$39.00}. ( Nothing has been paid out. ) How does it fluctuate so dramicatically? ) When I question that, I am told that they are not going to talk to me because I am being unreasonable. I don't think it is unreasonable to try to understand where {$300.00} went in 4 days when there were no expenditures! This is the second complaint of this mortgage division in three months. Do you think we are being singled out? I have furnished copies of tax statements, cancelled checks, invoices, etc. I have faxed, emailed, and scanned and submitted on their system. They claim they have not received them. They processed the checks.
Product: Money transfer, virtual currency, or money service

I was lured into a scam by people posing as PayPal XXXX  to satisfy a debt on a purchase I didnt make. They asked for location verification thru XXXX XXXX XXXX which I purchased, giving them the code on the back of the cards. They said a {$5000.00} loan had been provided to me from PayPal financed by XXXX and XXXX XXXX. To satisfy the fraud they said I was caught up in would involve the location verification, and loan closing fees of {$500.00} to each bank. They had me purchase a total of {$2400.00} in XXXX XXXX Cards, promising me all the while that this money would be transferred back into my Debit Account with XXXX  XXXX XXXX. Once I had purchased the cards for them, I immediately lost contact with them. 
Once I lost contact I called PayPal customer service and was lured into another scam. This representative said he could refund the full {$2400.00} back into my account. He had me transfer {$3400.00} thru test XXXX Transfers to see if my account would receive a refund. The transfers were real not test Transfers and I lost that money also.
Product: Debt collection

The company Sequium Asset Solutions has fraudulently and illegally placed their information against my social security number and it's causing great harm to my report. I tried to explain to this company that this account is not mine and get debt validation as I have not signed a contract with them. This account is fraudulent and was made without my consent. They have sent no verification of debt or a right to dispute the debt before reporting on my credit. This is the only thing on my credit profile that's holding me up and it's not my responsibility. This company is a scam and doesn't care about consumer rights. I am not obligated to pay this account as it's not mine. I will take legal action if this account does not stop reporting against my social security and is removed immediately from my credit report.
Product: Credit reporting

I received a 30 and 60 day late notice on my credit that was reported by XXXX. I disputed with XXXX and Transunion but was told the credit was validated. I was sent to collections for a balance of {$2.00} from an overdraft protection charge from my reserve line credit account. First of all I paid my reserve line in full in XXXX of XXXX and requested it to be closed. I was then charged a {$5.00} overdraft protection fee in XXXX XXXX. Based on their Deposit Account Agreement I had the option to authorize an " opt in '' from my reserve line for overdraft protection but never approved or authorized XXXX to draft from my reserve line for my checking account. The {$5.00} fee was taken from my reserve line and applied as an overdraft fee for my checking account. I included all documentation to show the transactions. I never received any calls of the fee nor emailed or mailed statements. XXXX took the fee out of my account without authorization and ended up crediting back my account the balance and late fees in XXXX of XXXX ... two years since I requested it to be closed. XXXX is also unwilling to correct my credit score as they said the XXXX notice ws valid ... they did remove the 60 day notice. XXXX has been unwilling to work with me to get this corrected and I feel they reported incorrect info to the credit agencies even after I pointed out their error. Their intentional deception of credit reporting has damaged my credit history and thus would not allow me to qualify for a home loan. I was also told that US Bank could have provided a coutesy removal of late notices but did not contact them in time ... XXXX is deceptive in the credit practices and has taken steps to harm me since this was reported to the CFPB. I also contacted the president of XXXX but XXXX XXXX was unwilling to proect the customer and is willing to allow his company to conduct deceptive and harmful collection and credit practices.
Product: Credit card or prepaid card

Dear Sir or Madam, We did not receive our Amazon credit card bills at our new address for months after we moved from our overseas military address back to Arizona, despite filling out the proper forwarding and change of address forms. This resulted in bills not reaching us, after years of on time and in full payments. The adverse report to the credit agencies is hurting out ability to get a home loan. The problem is clearly reflected in the bills, as once the address is updated the bill is immediately paid in full and has been since that time. 

Sincerely, XXXX XXXX, XXXX, XXXX
Product: Mortgage

Mortgage satisfaction Regions Bank On XX/XX/XXXX I started a mortgage refinance application with XXXX XXXX, my existing mortgagor. I had a second mortgage at Regions Bank that I decided to pay off rather than to pursue a subordination agreement. 
On XXXX XXXX, XXXX, I sent a cashier 's check by XXXX  overnight to Regions for the payoff amount of {$51000.00} and the check cleared XXXX on XX/XX/XXXX. 

Here we are, two months later and XXXX has still been unable to get the necessary satisfaction of mortgage in order to proceed with the new refinance mortgage. Obviously the interest rate lock has expired.

While I recognize the problems caused by Covid-19, this is not tolerable. 
Regions should not be allowed to be originating new loans until it gets its back office in order. 
I just received this email from XXXX I wanted to follow up with you again as we have been pestering Regions for weeks now and they still have not sent over anything regarding the satisfaction of your HELOC. 

They state that it takes 7 -10 days and all communication is through snail mail, but at this point, Im worried that we are well beyond that and we still have no response from them. 

Is there any way you can reach out to them to press them to return the documents to us that we requested? 



Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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

I noticed that there are a few late pays the are showing 30 days. My income was impacted by the Pandemic Shutdown and I was looking to get some accommodations under the CARES Act, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). to help protect the integrity of my credit. I was needing my following accounts XXXX XXXX  XXXX # XXXX to remove the 30 day status XX/XX/2021. I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile. I am in the middle of refinancing my home and this would definitely help impact my process in a positive way. I have also found a few unauthorized inquires on my credit file the I never done business or even requested to do business with these companies : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I sent a certified letter asking for Validation of this supposed debt in my name bearing my signature. On XX/XX/XXXX, they sent a statement saying they " verified '' sending a statement from XX/XX/XXXX with my name on it, not what I asked for. On XX/XX/XXXX, I sent another certified letter asking them to provide proof with a document bearing my signature for this account. On XX/XX/XXXX, I received the same exact letter as the one on XX/XX/XXXX, once again nothing bearing my signature which is proof that this debt is valid. This debt needs to be removed from all XXXX Credit Reporting Agencies, as they have not provided the proof that this debt belongs to me and are in fact breaking the law.
Product: Credit card

This account has been paid in full. I would like it deleted from my credit report
Product: Debt collection

On XX/XX/XXXX, a woman called me, claiming to be from a mediation department. She stated I owed some credit card company money, that payments had stopped as of XXXX. She also stated that they sent notices to me at a post office box I once rented in another state but had stopped renting that postal box in XXXX, the year I moved to another state. When I asked when this credit card was taken out, she stated " XXXX. '' I had established residency in a different state in late XXXX, so why would I utilize an old postal box address in another state? She told me that the initial debt amount, as of XXXX, was {$770.00} and change, and with the interest and late fees added on, it was now, in XXXX, up to {$1300.00}. That doesn't make any sense because the interest rate would have made this balance a lot higher. This debt has never been on my credit report, so if I had truly taken out this card, charged on it, and made payments, the debt would be on my credit report from XXXX on. The really scary thing is she had the last XXXX digits of my social security number. The phone number that came up on my caller ID was XXXX, which when XXXX, is for a dentist in Wisconsin. She refused to tell me her name or the company she worked for, and she claimed that in addition to the debt, it would cost me {$1500.00} for an attorney- how the heck would she know what an attorney would cost in my state? The supposed credit card company was HSBC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. 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
Product: Payday loan, title loan, or personal loan

I received a call from a women who asked me for my social security number and name. I said I did not feel comfortable telling her that information and then she told me my social and that I owed on a payday loan from 3-4 years ago. I said I do not recall that and she tried verifying my employment with a company I worked with 4-5 years prior. I said I do not work there and then she told me my bank account information. Once she gave that information I figured well I must owe and agreed to pay XXXX every XXXX of the month. The first payment was deducted on XX/XX/2019. I received a call today from a women and she started verifying employment of my old job XXXX ( again I have not worked there for 4-5 years ) after I gave her all my updated information. I was on a conference call when she called and asked if I can call her back because I was on the phone. She was still talking so I hung up, she called back 2 more times and I declined the call, again I was on a conference call. Then my receptionist came back to my area and asked if I was on the phone I told him yes. The receptionist said he had a very irate client on the call. Based on my work ethic my program director was not on the call and offered to take the call and assist the client. Once she got on the phone she said a women was asking where is XXXX put XXXX on the phone. My program director said she is on a call she can have me call her back or she can assist her. The women said put her manager on the phone. My director said she was in the same meeting I was in and again that she can assist her. She then persisted to speak with someone in HR. Then my director said ma'am they are not available I can assist you and then the women hung up. Once I was done with my call I got the phone number from the receptionist and called them back. I spoke with XXXX XXXX who spoke to me in such a manner that was disgusting and I've never been spoken to that way. He went on to tell me that I work at XXXX XXXX and that I am stupid because I can't pay my bills on time. I can't afford a lawyer because I can not pay XXXX dollars. I told him to never contact my place of business again and he said he is going to do whatever he wants. He was cussing and everything, I asked to speak with a manager and he said he was the manager. I came back upstairs and there were 3 more calls from the company. I am going to file a lawsuit with this company as this is completely unacceptable nor will I be treated like this by some scam company who only requires a high school diploma. I am so livid that a company would contact my place of business and harass myself and colleagues. The phone numbers they reached out to me were XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX, and XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information : XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00}. Under the Fair Credit reporting Act, I am requesting that you correct the disputed accounts to appear accurate information on my Credit Report.
Product: Student loan

On XXXX/XXXX/2017 I received a call from Navient stating that I have three loans with them, which is incorrect. I only have two loans with Navient, no third loan appears on my login.
Product: Credit reporting or other personal consumer reports

I requested Debt Validation on this account on XX/XX/year>. the information i requested is XXXX. Detail list of payment made by me on this account. 
XXXX. My signature that I put on a contract guaranteeing that I will pay this creditor. 
XXXX. I'm asking to see if any insurance claim has been filed on this debt. 
XXXX. I would like to see poof you have the chain of title to collect on this debt. 

They did not respond with none of the above information that i requested, under 15 U. S. C. 1692 ( G ) they are required by Law to provide me with that information, if they do not they are in violation of the Law and the account should be immediately Deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute 2 collection accounts that has been reported on my credit report. The collection accounts in question are [ XXXX, and XXXX ], which is being reported by [ XXXX XXXX XXXX, and XXXX XXXX XXXX ]. 

I am requesting that these collection accounts be removed from my credit report immediately. I have never had any dealings with these collection agencies, and I have never been notified about any outstanding debts. Therefore, I believe that the collection accounts has been reported in error and is negatively affecting my credit score. 

I have taken all necessary steps to dispute these accounts with the collection agency, but they have been unresponsive to my requests. I have also requested that they provide me with any documentation related to the alleged debt, but they have failed to provide me with any information. 

I request that you investigate this matter and ensure that the collection agency is complying with all relevant laws and regulations. Additionally, I request that the negative information associated with this account be removed from all three credit bureaus immediately. This account is inaccurate and is causing undue harm to my credit score and my ability to obtain credit and other financial services. 

Thank you for your time and attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.