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 Experian 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 Experian 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 : The reported late payment was due to an error in the automatic payment system I had set up with XXXX. Although the payment was scheduled and funds were available in my account, a technical issue caused the payment to be processed late. This delay was beyond my control and does not accurately reflect my payment history. 
Evidence provided : Bank statements showing the payment was scheduled on time. 
Correspondence from XXXX confirming the technical issue that led to the delay in processing.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian 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.
Product: Student loan

I was in a Driven income loan plan before I filed bankruptcy due to lost income and me living in low income housing recently I filed bankruptcy and I never applied for my loans to switch from driven income loans to forbearance MOHELA did that on their own without my consent or knowledge I looked at my account and everything looked different now theyve switched me to a repayment plan unfortunately I cant afford that is the reason I was on a driven income loan plan from the beginning MOHELA did things to my account with only sending me Acknowledgment only after they did it and Im not OK with that now I have to repay and I dont have the money to do it
Product: Credit card

Please help!! I never received my XXXX miles for my anniversary for holding the XXXX XXXX card. Please help!! I also got my XXXX miles from the XXXX offer clawed back! I signed up for a free trial of XXXX and was offered XXXX miles for the free trial by Capital One Offers, which then got reversed for no reason. I did the free trial and met my obligation of the contract but Capital One is reneging on their end of the deal. Moreover, my purchase on XXXX never tracked through Capital One Offers. I signed up for XXXX for the offer for XXXX miles and it still shows up as inactive in my shopping trips. Please help! This seems like a bait and switch.
Product: Debt collection

I was on contacted on  XXXX   XXXX  at  XXXX    XXXX   from a representative for  Professional Credit Management  (  XXXX  )  XXXX   XXXX , AR about a medical debt. I informed  PCM  that I am not responsible for said debt, that I have a court order from my divorce settlement stating any prior and future medical bills for the children are the responsibility of my exhusband. It was then tha t PCM  told me they do not pay attention to or obey court orders and I was responsible and would be reported to the  XXXX  credit bureaus as deliquent and sued for the debt.   XXXX  I was not aware that debt collectors could pick and choose which laws and court orders they had to obey.
Product: Credit reporting

The information still shows that I went Bankrupt. It has been way .... over 7 years. It needs to be removed because of the Statute of Limitations.
Product: Mortgage

I received a letter dated XX/XX/2019 that stated that there was an escrow shortage and that I needed to pay a shortage amount of {$2300.00} or my monthly payment would be raised to {$5600.00}. I immediately send a check for {$2500.00} with escrow written on the check along with the escrow coupon stating {$2500.00} deposit and made copies. I then logged into the mortgage account online to routinely check the status of my mortgage account and noticed that although I had paid the {$2500.00} to escrow my account had not been credited even though the check was cashed on XX/XX/2019. I called into the bank on XX/XX/2019 at approximately XXXX to question why my escrow payment was not credited and they made up a story about how it must have been an " oversight '' and that they would " try '' to fix it immediately. I was then told that it was escalated and that they would call me once it was fixed. PennyMac has defrauded me and are trying to raise my mortgage payment even though I quickly paid the escrow shortage. Who knows how many other people they have done this to in order to manipulate payments and cause financial harm to consumers.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx showed up on my credit report XX/XX/2018. Trying to collect on a old account with XXXX XXXX XXXX who as of 2 years ago stop taking money out of my account monthly. This was solely based on their decision to do so. And removed it from my account. This company has now placed this on my credit report as a new debt and has dropped my score 41 pts. They have called and i asked them to send me documentation. They told me that they are not the account holder and that they dont have to provide me any of that information. they threatened to garnish my wages. They also stated that time is of the essence and that they can do what they want. They are horrible people and very nasty to talk to over the phone.
Product: Credit card

I have reached out to them to let them know that I was having financial issues and also that I went through XXXXXXXX XXXX XXXX, which took me out of work and I have to go through another XXXX this year and I am on short term XXXX and now is turned to XXXX XXXXXXXX and Im Struggling to handle my bills now with having no extra room. I am barely making it. The card is majority finance fees, and that is ridiculous and they will not work with me. They keep calling I dont answer and is a couple times a day and this is ridiculous. Im going through XXXX XXXX  now. I have a lot going on. Dont know when Im going back to work. 90 % of the charges is all finance charges and as of right now I have to watch my money because its either me to keep a roof over roof over my head and keep food on my table and pay for XXXX XXXX XXXX XXXX  and going to XXXX XXXX dish house Money that you charge me thats more than what I owe 90 % more. I can allow them to rip me off. In a few check, there was one item that I purchased and then I started having trouble with health issues and Im still going Through Im having a hard times right now and they would not work with me. I would never get a card for them ever or recommend them to anyone. Their customer service is bad and they they are harassing me. This needs to be taken off my credit report. I am dealing with so much right now and the phone calls are not helping. Its stressing me out more XXXX XXXX XXXX
Product: Checking or savings account

An unknown individual set up a fraudulent account and scammed my employer on XX/XX/XXXX into transmitting my paycheck ( {$3200.00} ) to the fraudulent account on XX/XX/XXXX by forging an employee direct deposit authorization form with with my first and last name and an electronic signature of my name as well as the routing number, account number and name of the bank ( MVB Bank ). My representative and I contacted XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX to report the opened bank account with them as fraud. We initially spoke to XXXXXXXX XXXX XXXX XXXX who informed XXXX based on the routing and account number provided, that this was for a Credit Karma based debit account and XXXX  had no access or ability to look up these accounts. We were instructed to reach out to Credit Karma, which we did, and spoke to XXXX. XXXX informed us that there was no banking account under my name, last four of SSN, or with the full routing/bank account number that we provided to her. She stated that she was going to escalate the matter to Credit Karmas fraud department, which based on an email I received, she has done. She then instructed us to call XXXXXXXX XXXX as they would need to be informed about this fraud, which again, we did. This time we spoke to XXXX who issued the same advice we initially received from XXXX, which was to call XXXX XXXX and report this. We explained that we had already done so, and that XXXX XXXX instructed us to let XXXXXXXX XXXX know of this matter. I had XXXX XXXX for the account in their system with the full account number, which did not generate anything. XXXX told us she would be escalating this matter to the XXXX department at XXXXXXXX XXXX, which would reach out to Credit Karma to further investigate. We were told by both XXXX and XXXX that Credit Karma would reach out within three business days to further discuss the findings with me. They were supplied with my phone number to reach out to me once the appropriate person was assigned to the matter. As of today, XX/XX/XXXX, neither XXXXXXXX XXXX nor Credit Karma has responded to me regarding the fraudulent account.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> Bmg Money has marked my account late which is not late, this company is known for falsifying information on my account
Product: Credit reporting or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX  accurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX under 18 U.S.C. 1001  any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX  Delete this immediately
Product: Debt collection

I was never informed nor owe anything like this, I have disputed and nothing has been received
Product: Checking or savings account

On XX/XX/2023 my wife 's phone was hacked and the scammer/hacker made 2 fraudulent XXXX transactions from our Huntington Bank checking account stealing {$620.00} in one transaction and {$670.00} in the other. Totaling {$1300.00}. When we figured out what was going on we immediately called the bank and told them there was fraudulent activity and put a freeze on our account. We filed a dispute due to fraudulent activity with the bank. They sent us a letter back saying they determined the transactions valid. The letter says we have the right to request documents they relied on to make their determination but when I call the number they provided they always tell me they will open back up the case and a week or two later I get the same letter telling me they determined it was a valid transaction. They never give me any documents or tell me how they have come to this conclusion. 
This was not the only fraudulent activity that happened when the phone was hacked they also bought multiple gift cards on our XXXX account. XXXX sent us an email saying there was been suspicious activity and they were temporarily freezing our account. That is how we were first made aware of this fraudulent activity. We filed a police report. XXXX and our credit card company that is attached to XXXX reimbursed us for all the fraudulent transactions. Only the bank has determined that the transactions were valid. That is why I wanted to know how they came to that conclusion even though every one else involved could see it was obvious fraud.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and observed an erroneous account on my Experian file. The derogatory account in question is XXXX XXXX XXXX, which is displaying a repossession showing a balance of {$41000.00}. This account in question does not belong to me and should not be reporting on my consumer report. Further investigation revealed that this account belonged to a corporation and therefore it should not be reporting on my consumer report. Moreover, there was not a personal guarantee associated with this account and I was not properly notified of it being reported to my personal consumer report. This is a violation of 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  reported me incorrectly to the credit bureau to collection when my account was actually paid off. This was reported erroneously to the credit bureau as the account didn't have a balance and should have not been sent to a collection company. While the company has submitted a remedy ticket number to recalling the account, I need the account deleted from my credit bureau. This was completely XXXX XXXX 's fault and that information was erroneously reported to the bureau. XXXX must delete the collection record on my credit bureau and rectify the issue as soon as possible, I was in the middle of buying a home and any incorrect report or lack of deletion of this account will cause me to lose my home purchase and potentially lose a deposit of {$7500.00} to whim I expect XXXX XXXX to be liable for including any additional mental distress and XXXX XXXX XXXX
Product: Mortgage

My Mortgage company, CrossCountry Mortgage, XXXX XXXX XXXX transferred my account to a new CrossCountry Mortgage, LLC shell company in XXXX XXXX At that time, we were in the proces of changing home/auto insurance companies. When we changed and had the new payment information, the new company refused to update the amount we owed for insurance and overpaid the new insurance company. I tried multiple times to get this corrected with the company to no avail. We had to get our money back from the insurnace company with the help of our agent. 
Subsequently, we learned we had been overcharged for our property taxes by the XXXX XXXX XXXX XXXX XXXX here in XXXX, because they never applied our homestead deduction to the property when we purchased it in XXXX. We got this fixed in XXXX and I sent CrossCountry Mortgage, LLC the corrected property tax bill, showing we would need to pay the local government less than half what had been entered into their system. They never changed the amount. I sent them the corrected property tax/insurance information XXXX XXXX XXXX XXXX XXXX, XXXX ( insurance ) ; XXXX XXXX, XXXX ( insurance ) ; XX/XX/XXXX, ( insurance and taxes ) ; XX/XX/XXXX ( taxes ) ; XX/XX/XXXX ( taxes ) XX/XX/XXXX ( taxes ). 
The bill was due XX/XX/XXXX, and they never changed the amount or ever tried to contact me beyond the auto-generated robo-email. I don't think this shell company has very many actual people working for it. 
Today, I learned they never corrected their system and overpaid the property taxes ( twice what was owed ) on XX/XX/XXXX from my escrow account, despite my efforts for XXXX months to get them to correct this. I have also requested that they cancel the escrow service, to no avail. 
I am happy to provide the correct property tax information, which is also publicly available. 
In the meantime, I have turned off the auto-pay feature and will not pay them another dime until they fix this mess and recoup my overpaid property taxes.
Product: Debt collection

A settlement agreement was reach and meet. Balance was paid in full for lesser amount. Creditor is still reporting delinquent on credit reports, and reporting the wrong amount. I've disputed this account multiple times to XXXX and Penfed credit union keeps saying it's correct.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ).

" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have consistently disputed the inaccuracies in the provided information with Equifax, XXXX, and XXXX ; regrettably, the matter remains unresolved to date. 

Equifax XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX l Contact of Third Party : Failed to identify themselves, or failed to state that collector is confirming or correcting location information XXXX XXXX. The following personal information is incorrect Date of Birth : XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX  XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX Account Number : XXXX Contact of Third Party : Failed to identify themselves, or failed to state that collector is confirming or correcting location information XXXX. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX l Contact of Third Party : Failed to identify themselves, or failed to state that collector is confirming or correcting location information