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

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting for XXXXXXXX XXXX XXXXXXXX Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Experian for mXXXX XXXX XXXX XXXX account. These late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The reported late payments are incorrect, as I have consistently paid on time or had an alternative agreement. 
Violation of the Fair Credit Reporting Act ( FCRA ) : Reporting inaccuracies misrepresent my creditworthiness, violating my rights under the FCRA ( 15 USC 1666 ( b ) ).

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : False reporting of late payments may also constitute a violation of the FDCPA.

Truth in Lending Act ( TILA ) : These reporting errors breach the TILA 's requirements for accurate credit reporting.

Under the FCRA, sections 15 U.S. Code 1681i and 1681s-2 mandate that credit reporting agencies and furnishers ensure the accuracy of information. Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline liability for noncompliance.

Summary of Errors and Discrepancies Across All Bureaus : Late Payments : XXXX : Reports late payments, including 30 days late in XXXX, 60 days late in XXXX, and 90+ days late from XXXX to XXXX, which are inaccurate. 
Experian : Similar late payment errors as XXXX, with reports of 30, 60, and 90+ day late payments during the same timeframe. 
XXXX : XXXX late payments, including 30 days late in XXXX, 60 days late in XXXX, and 90+ days late from XXXX to XXXX, which are incorrect. 
Discrepancies in Reporting Details : Account Status : All three bureaus report the account as closed, but only XXXX provides a closing date ( XX/XX/XXXX ), while Experian and XXXX omit this information. 
Balance Owed : Consistent across bureaus at {$1100.00}. 
Payment History : XXXX and Experian show errors starting in XXXX, while XXXX begins reporting errors in XXXX. 
Requested Resolution I request Experian to conduct a thorough investigation and correct these inaccuracies by removing all erroneous late payments from my credit report. Specifically : Remove reported late payments for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. 
Update the account to reflect accurate, on-time payments for all disputed months. 
I expect written confirmation of these corrections within 30 days of this letter. Failure to resolve this issue may result in further actions to protect my rights as a consumer under the FCRA. 
Attachments Provided : For this dispute, we have included the following documents : A copy of the clients government-issued ID. 
A copy of the clients Social Security Number. 
Bank statements showing proof of timely payments during the disputed months. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

I opened an account with Barclay card one year ago and I have never been late on a payment. All of a sudden, Barclays charged me a fee of {$500.00} as interest, running my account over the limit. This action represented the greatest threat of default on the card. It was bait and switch predatory lending in its worst form. I contacted the Consumer Financial Protection Bureau and Barclays turned around to waive the {$500.00} fee. However, in addition they used a new underhanded tactic to institute a punitive predatory interest rate of over 25 % on the account. This interest rate is higher than the 5-6 % interest rate that I currently have on my other accounts with other banks. Apart from being exploitative, It is a sure guarantee that this credit card will go into unavoidable default. There is no justification for this predatory lending practice. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I when and apply for a personal loan on XX/XX/XXXX got a proof for {$500.00}. On XX/XX/XXXX I was making {$2000.00} per month and I was refinancing my car making payments of {$360.00} my remaining loan was at {$12000.00} that was the only thing that I hade on my credit. On XX/XX/XXXX I when and apply for a loan the same amount and did not got qualify. I toll them to check the application because the person that I was talking to did not know what he was doing. I stars to explaining them that I am making more money today then before and my credit on XX/XX/XXXX was at XXXX fico and now is at XXXX fico my car loan is at {$7500.00} that means that XXXX less then before. I have a credit car from XXXX  XXXX my balance now is at {$50.00} and my credit is for {$500.00} I have never miss payment from credit card there are always on time. Now I am making around {$1700.00} more that is {$3700.00} per month and my bills remand the same. The loan that a took from them I never miss payments and my payments there were always on time plus I received a offer from them because I finish paying my first loan gave them reservation number that came with the offer that was going to expires on XX/XX/XXXX. They did not do nothing to fix the problem and its affecting me I can not ask for another loan for 90 days days
Product: Credit reporting or other personal consumer reports

Id like to start off by making it very clear that I have attempted to resolve this matter with XXXX Bank directly for over a year or longer. I've spent countless hours a week calling in to speak with the correct department in regards to my account not being accurately reported to all three credit bureaus. As a consumer with a positive account history, XXXX XXXX  not reporting to Transunion has and is still impacting my credit report as well as credit score. Both XXXX and XXXX show accurate reporting, however, XXXX XXXX  continues to deny the issue at hand. XXXX XXXX  requested I print and mail in my credit report along with a letter explaining the inaccurate credit reporting and compliant, notarized as well. From that request, I took the time, effort, money to print over XXXX pages then mail it in into the Correspondence address they provided. Fast forward to last month and XXXX XXXX  mails me a letter stating they did an investigation and Transunion would be responsible. Obviously this is an obscene response to a consumer who literally did everything requested of her by the credit card company to rectify the issue. XXXX XXXX  reviewed my Transunion credit report very clearly showing no record of the account, ever. Now they are requesting I send in another credit report a month later so they can open an investigation, mind you, the last investigation resulted in no accountability. At this moment, I am requesting that XXXX XXXX reports to Transunion Credit Bureau. This account is over XXXX years old and there is no excuse as to why XXXX Bank refuses to report to all three bureaus when they state they are committed to that. Please help me rectify this issue as any time I call in ( once a week for over a year straight ) they transfer me a few times, request the entire process to start over, or simply blame Transunion.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to express my profound frustration and disappointment regarding the recent communication from your agency. Despite my explicit request for accurate information, you have provided me with details that are blatantly incorrect and wholly unacceptable. 

Discrepancies Noted : Incorrect Address : The documentation references an address at which I have never resided. 

Misidentification : The name associated with the alleged debt is " XXXX XXXX. '' My legal name is XXXX XXXX. I have no knowledge of, nor connection to, any individual by the name of XXXX XXXX. 

Unrecognized Debt : I have never incurred a debt with XXXX, the original creditor listed by Southwest Credit Systems XXXX 

Actions Taken : I have contacted Southwest Credit Systems multiple times, requesting validation and correction of this erroneous information. In response, they provided documentation containing the incorrect name and address, failing to rectify the inaccuracies. 

Impact : This false information has adversely affected my credit report, causing unwarranted damage to my financial reputation. 

Requested Resolution : I urge the Consumer Financial Protection Bureau to investigate Southwest Credit Systems for their negligent reporting practices and to take appropriate action to ensure : Immediate Removal : The inaccurate debt entry is promptly removed from my credit report. 

Compliance Assurance : Southwest Credit Systems adheres to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to prevent future occurrences of such negligent reporting. 

Next Steps : If this matter is not resolved promptly, I intend to pursue legal action for defamation and any other applicable claims to protect my rights and restore my credit integrity. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

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

I have sent in disputes to the bureaus and I havent received any reports back from XXXX XXXX or equfax and the accounts are still there. XXXX sent one in XX/XX/XXXX, but when asked for how they verified i never heard a response. I have sent in 3 disputes on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and still nothing. These accounts are not of my knowledge and dont know who they belong to but not me. I have received nothing from the creditors or bureaus I have included copy of letters sent to all 3 bureaus each time
Product: Debt collection

They have been calling and harassing me even though I told them I will pay them by a certain date. They got ahold my work number and called me on it. He refused to hang up, he was threatening me with legal actions and he instructed me to get the money from wherever I can even though I did n't have it for another two weeks. I told him I was XXXX and I can not have this kind of XXXX and I will pay them in 14 days, he would not listen just kept on going on about how I can ask someone for money to pay them. 
They are calling me multiple times a day and this time when I picked up and explained again the situation the manager was rude, harassing.
Product: Mortgage

On XX/XX/2023 I have closed on XXXX XXXX XXXX, XXXX, MA XXXX taking a mortgage from Rocket Mortgage. 
On XX/XX/2023 I have locked the loan. That rate lock had LLPA hit XXXX XXXX for DTI > 40 %. 
On XX/XX/2023 I have learned that FHFA has delayed that charge until XX/XX/2023, so the Rocket mortgage announced that XXXX fee will be removed. 
On XX/XX/2023 Rocket mortgage has posted the Closing Disclosure for the closing date XX/XX/2023 without removing LLPA hit XXXX On XX/XX/2023 I have asked to update the Closing Disclosure to remove XXXX fee. 
On XX/XX/2023 I have received the answer : To close As Is with the XXXX hit or the loan has to be removed from the closing to get wire adjusted, which would result in the closing being moved back a day or two. Since removing from the closing wasnt the option for me I would be in the position for breaching XXXX & XXXX contract and default I asked to be reimbursed after the closing. 
I was told that Rocket Mortgage will not reimburse me after the closing. 
On the closing date XX/XX/2023 Rocket Mortgage posted an updated rate lock which is still indicating XXXX hit for DTI > 40 % after the official removal letter. 


Im asking you to help me to get XXXX pts = XXXX x 0.375 % = {$2100.00} which Rocket Mortgage had Charged me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information and account from XXXX XXXX. I have never done any type of business with them for {$2600.00} to be reporting as a collection to this company. I have no knowledge of this account. Validation of debt requested on XX/XX/XXXX and request for delete also submitted on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I do not owe this XXXX when i called this company Convergent they said it was 10 years ago. Why are they calling me all hours and sending me this paperwork i have attached
Product: Checking or savings account

I received a debit card from CHIME bank on XX/XX/2021. I have never opened, or requested an account with this financial institution. Attempting to contact a representative is impossible over the phone. calling the 800 number listed on the card prompts you to submit an email request. I submitted a request via email and they expected me to take a picture of the debit card, front and back along with the account information ( account number and routing number ) along with My ID. This is suspicious and not standard practice for a financial institution. I work at a bank, and i would never ask for this amount of information over the phone. I want to close this account immediately but not able to.
Product: Student loan

Basically I have been paying for years on a loan thats going no where. I have been on the income based repayment plan for a a few years now. I was inquiring about loan forgiveness programs as I have in the past. I am a public school teacher and was told that I was 74 payments in on the 120 total required for public loan forgiveness. Navient then told me to apply for the program with the department of education. I did, several weeks later I received my letter. I was denied, the department of education said I did not have the correct loans. I called navient back and told them about my letter. They said yes, you have to have a certain type of loan and that I could consolidate my loans and start all over at payment 1. At this point I was furious. I never missed payments, in the years since they took over my loan from a previous servicer. Everytime I would call they would push forberrance on me everytime like they really wanted me to do it. I felt pressured to put my loans in forberrance everytime I called in but I never gave in. But again I was more than upset that not once had they ever mentioned in my 74 payments that none would be counted. I feel they purposely did this so they can make more money. I need help, this is wrong, and companies like these are taking advantage of people!!! Please help.
Product: Debt collection

XX/XX/XXXX my credit score dropped and I was denied credit do to this unknown charge from this company. I do not know who Amsher is and I haven't ever done business with them before. I contacted them and they gave me the run around I contacted XXXX XXXX they say that they do not have the account it was written off. My identity was breached and stolen I believe this has been opened fraudulent this is not my account and I would like it to be permanently removed in from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX  XXXXBalance {$8.00} XXXX XXXXXXXXBalance {$0.00} XXXX XXXXXXXXBalance {$0.00} XXXXBalance {$2000.00} XXXXBalance {$3600.00} XXXXBalance {$2000.00} XXXXBalance {$3600.00} XXXXBalance {$4000.00} XXXXBalance {$6900.00} XXXX XXXXBalance {$480.00} XXXX XXXXXXXXBalance {$0.00}
Product: Debt collection

First they contacted me as XXXX XXXX XXXX on XX/XX/2020. They stated that I owed a debt of {$4400.00} but that the outstanding debt they wished to collect right now was {$890.00}. They informed me that they were going to A. put a hold on my Social Security number, B. charge me for violation of Federal Banking regulations, collateral check fraud, and theft by deception C. contact my employer directly. 
I informed them that these actions were against the FDC section 805 and 806 and that I requested to no longer be contacted in ANYWAY  through a response to their email. They stated to respond to them but gave no phone number. When I called XXXX XXXX XXXX to find out what was going on, they told me they had no such account. 

I received 1 phone call after this from Check N ' Go. 

Then I received ANOTHER email from Credit Repair Groups on XX/XX/2020 with the same threats however the outstanding amount was {$1200.00} and the settlement amount would be {$890.00}. They also added that they will report me to the FDC and to my bank establishment. They stated that I must respond to them in 72 hours but gave no phone number to do so. I emailed again to inform them that I was not to be contacted and that I was going to report them. 

I received 2 more phone calls from Check N ' Go. 

On XX/XX/2020, I received ANOTHER email from XXXX XXXX XXXX. They gave me a case file number and stated that they will now be garnishing my wages. This time the amount was {$1300.00} outstanding and the settlement amount was {$930.00}. I was going to end up paying {$2400.00} because of the amount I owed and fees. They stated that they will now contact my employer to garnish my wages. I informed them that they did not provide any phone number to contact and settle nor did they provide the company in which I had this " contract '' with. I also informed them that the company they were supposedly trying to collect from had no record of my debt. 

They sent a new email informing me that the company trying to collect my debt was XXXX XXXX online or XXXX XXXX XXXX and that they were a parental payday advance company. They gave me a list of names of their affiliates, subsidiaries, and family companies. Check N ' Go was on that list. 

When I checked on the " court case '' number they provided, I found it was linked to multiple OTHER false court cases that didn't actually exist and were worded EXACTLY how my email was. So they're threatening me with a non-existent court case. 

This makes 4 threatening emails and a total of 3 calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defama tion of my character
Product: Mortgage

We started XXXX loan applications together with Bank of the West. BofW told us the loans would be handled as a package and they required that the loans all close together. In fact XXXX of the loans was for our primary residence which required a 72hr rescission/hold so the funds for the other XXXX loans were not available. The loan process was extended multiple times due to XXXX appraisal and other 3rd party delays, yet BofW at XXXX point decided to charge us roughly {$1500.00} in rate extension fees, but only on XXXX loan. The delays were compounded by poor communication and organization on the part of BofW and yet we paid the cost, in our opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter regarding inaccurate and unverifiable Information on my credit report on this date over 44 days later I have not received a response yet. I feel I am being taken advantage of being ignored in my dispute process. Section 611 ( a ) it is plainly stated that a failure to to investigate these items within 30 days gives a reason to immediately remove those items from my credit report on this date it is over 40 days later so they should be deleted promptly. I demand for the bureaus to comply with deletion or I will file for litigation due to the stress and erroneous items reporting on my credit report. My information was also impacted by the XXXX  data breach and may have been in the hands of the wrong person.
Product: Debt collection

ProCollect sent documentation claiming a debt was owed to a previous apartment community in which I resided. The claim states the debt is owed due to insufficient notice, resulting in liquidated damages of {$1300.00}. However, an addendum to the lease agreement provided two options and the option executed explicitly states that I do not agree to pay liquidated damages. " Lease to '' date of XX/XX/2017 and " move out '' date of XX/XX/2017 showcase that I in fact did not terminate the lease early, nor stay beyond the " lease to '' date. Thus, no debt is owed to this organization. I have provided copies of all documentation to ProCollect, as well as written a letter clearly articulating the above with specific reference to sections within the lease agreement, ledger, notice to impose a claim, and addendum.
Product: Debt collection

I attended XXXX University XXXX XXXX until XXXX XXXX, Not sure if that is this correct date because I have n't received any paperwork from the and I was locked out of my account so I could n't get any information back then. The reason I stopped going there is because I took a class and pass that class. I saw the passing grade at the end of the course but when the grades was posted it displayed a failing grade. I talked with my Advisor who instructed me to talk with the teacher but she never responded to me. So after months of trying to get my grade changed I decided to stop going there. My complaint is I received a refund from my Direct subsidized and Unsubsidized student loan but when I stop attending the school I was notified that I owe them because the school claimed they sent the money back to XXXX but I received a statement from XXXX with the amount of my loans and to pay XXXX. I called XXXX several times trying to inform them that XXXX stated no money was return back to them. I then called the XXXX and they stated that money do n't return to them. I called XXXX U back to inform them of this information and I only got attitude from them so I did n't called back. My complaint is how is it that the schools are saying they are giving the money but I received statements from XXXX stating the total amount of my student loan which matched what I received.
Product: Money transfer, virtual currency, or money service

Tried to withdraw funds in non earning wallet ( 0 % ) and withdrawals are suspended