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

XX/XX/XXXX Subject : Complaint for Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Equifax. These entries do not reflect my true payment history and misrepresent my creditworthiness.

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for my XXXX XXXX account ( # XXXX ) are inaccurate. I have been consistently enrolled in autopay and have made my payments on time.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates the FCRA ( 15 USC 1666 ( b ) ), which mandates accurate and fair reporting of consumer credit information.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : Reporting false late payments may also violate the FDCPA, protecting consumers from account misrepresentation.

Truth in Lending Act ( TILA ) : I assert that these reporting practices violate TILA provisions requiring accuracy in reporting credit information.

The FCRA, specifically sections 15 U.S. Code 1681i and 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate information and ensure the accuracy of consumer file information. Furthermore, the FCRA articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) provide for civil liability for willful or negligent noncompliance, including damages for failure to adhere to Act requirements.

Requested Resolution : I request that Equifax conduct a thorough investigation and remove the inaccurate late payments from my credit report. I ask that these entries reflect my true record of on-time payments. I expect written confirmation of the removal of these entries within 30 days of this complaint.

Summary of Errors and Discrepancies in Account Reporting The following discrepancies have been identified in the reporting of 30-day late payments for my XXXX  XXXX account across th

e three credit bureaus. These reported late payments are inaccurate, as I have consistently made on-time payments due to enrollment in autopay. Equifax :
30-day late payments inaccurately reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX : 30-day late payments inaccurately reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX : 30-day late payments inaccurately reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These discrepancies violate the Fair Credit Reporting Act ( FCRA ), as they misrepresent my payment history and creditworthiness. I am requesting that each bureau correct these inaccuracies and update my account to reflect my actual, on-time payment history.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I filled a merchant dispute ( chargeback request ) through my online banking for merchandize not received. 
I bought XXXX XXXX smartphones ON the store on XX/XX/XXXX, the store didnt have the items on stock at that time so they will send it from their warehouse to my home not later than XX/XX/XXXX by XXXX XXXX 
The merchandize never arrived so I sent this merchant dispute to the bank. 
On XX/XX/XXXX I received 2 letters from the bank issued on the same day, one a document requesting my signature to confirm the claim, and the other saying that my claim was denied because the card was present at the moment of the purchase. 
When the card is in present doesnt mean anything, many stores like XXXX, macys and other dont have all items on stock at the same store, so they will send it from their warehouse, especially expensive smartphones or bigger products like a fridge. In those cases, XXXX also protects the purchase having the opportunity to dispute the purchase If the items dont arrive. 
I provided the invoice showing they will send it and even that the case was denied and didnt investigate anything, the MUST reach the merchants bank to request information from them and documentation proving that they sent the merchandize or if they have any other issues with the order. Something they never did and they didnt follow XXXX procedures and EFTA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

see attachment XXXX late payment with XXXX
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Product: Credit reporting or other personal consumer reports

I submitted a dispute with XXXX, Equifax and XXXX and they are reporting on my report 3 times as if I owe on the same accounts. One account was closed and transferred to another student loan lender and one has a 1099C cancellation of debt filed on it. However the only thing the bureaus have done were update my account. Once again According to FERPA, 20 U.S. Code 1232g - Family educational and privacy rights a federal law, gives parents and eligible students ( XXXX ) control over their records. Common FERPA violations include sharing information without consent, not implementing proper security measures, and not informing parents of their FERPA rights. Penalties for FERPA violations include a ban from federal funding and cease and desist orders. From my understanding the schools will not provide transaction history or the amounts owed to 3rd parties, the law applies to all schools that receive funds under an applicable program of the U.S. department of Education. Therefore, the credit report agencies are in violation of illegally reporting transaction history. I have suffered emotional damage and humiliation I am demanding for each bureau to compensate me {$1000.00} each send to the address listed on file and remove the reporting from my credit report within 5 days from this complaint. If account isnt updates I will be filing a lawsuit against each credit bureau.
Product: Vehicle loan or lease

I decided to refinance my vehicle with Westlake Financial. I received payoff check from XXXX XXXX overnighted to Westlake Financial. Westlake received on XX/XX/XXXX I called to verify. Representative told me that check had been received and to call back after XXXX of XXXX weekend to verify it had been processed which I did. The 2nd Representative told me she couldn't verify it was received after a week of going back and forth with Westlake I  stopped payment on the XXXX and mailed the payment off again. This time I kept the tracking information because after confirming the original check was received I discarded the tracking number. During this time I have been charged XXXX a day of interest and been giving misinformation from Westlake. Account number was written on original check because I wrote it and mailed it off. Check was not received XX/XX/XXXX it was received XX/XX/XXXX per tracking number.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit! Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Credit reporting

I was scammed into signing up for the timeshare agreement by XXXX XXXX XXXX in XXXX XXXX which is a result of the charge on my XXXX credit card.The sales reps provided us several alcoholic beverages in addition to champagne. We listened to their sales pitch and we were told many things that we later found out to be untrue. Some of the things we were told include us being able to speak to customer service toll free from the US, we were initially promised a room they showed us which included a Jacuzzi both in the room and on the balcony, we were promised the ability to use the membership at any time, we were not informed we would be required to pay maintenance fees, we were not informed of the cancellation policy,. I originally requested to cancel the membership on XXXX/XXXX/2013 by emailing XXXX XXXX XXXX my desire to cancel. I requested to cancel within their specified cancellation policy. After contacting XXXX several times to confirm my cancellation request, I was told they never received my request to cancel. In response to one of my disputes with XXXX, XXXX informed again that they never received the email and if I wanted to cancel, I would be responsible for paying the administrative fees. They never acknowledged my request to cancel or the fact that their arbitration department later stated well after the cancellation period, that the membership could be cancelled after paying the administrative fees. I originally started out paying this debt because I did n't want it to affect my credit, however I have since stopped because I do n't feel I should be responsible for paying {$2500.00} for something I was misled into and rightfully cancelled. I have not been able to receive any resolution or assistance from XXXX at all. I have reached out to XXXX XXXX XXXX several times and every time I ask them to contact me or have, their arbitration department contact me regarding my cancellation, they never respond to my emails. I contacted them via phone which costed me {$34.00} for 20 minutes in which they were unable to understand me well enough to know I was trying to see if they have a US based addressed. I have even tried working with an attorney in which they informed they would not be able to assist due to jurisdiction. I disputed with the credit bureau also who recommended that I reach out to CFPB. I have included print outs of emails that I have received no response to, online customer reviews of customers who have experienced similar instances of fraud with XXXX XXXX XXXX, and the page from the dispute from XXXX in which they states my option to cancel, which they have never acknowledged. Please review Scan XXXX first and XXXX second as the second attachment is a continuation from the first scan. I have been fighting this for quite some time and I am at your mercy for some assistance. This is really my last option to get any assistance in this manner. I do not feel a company should be allowed to scam customers like this and get away with it especially when it comes to my XXXX earned money. I work very hard for my credit and I am being negatively punished her without the ability to do anything about it.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud.XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry DaXXXX XXXX  and XXXX Inquiry Date XX/XX/XXXX
Product: Debt collection

National Enterprise Systems ( NES ) in XXXX, OH has repeatedly ignored requests from the employee and our corporate entity to refrain from calling employees while they are at work. 

If NES is claiming to be a debt collector, this practice is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If NES is claiming to be a debt buyer/holder, this practice is in violation of the FDCPA pursuant to the United States XXXXourt of Appeals for the Third Circuit ruling in XX/XX/2018 in Tepper v. Amos Financial, LLC, No. 17-2851. Tepper v Amon Financial, LLC ruled that an entity whose principal purpose is the collection of any debtregardless of whether the entity owns the debt it collectsis a debt collector for purposes of the FDCPA.
Product: Credit card or prepaid card

On XX/XX/2021 a friend I thought I could trust who I was previous paying for rides I stepped out the car and got back in to notice my phone was stolen. The person pretended to help me look for my phone to discover the next morning he had my phone and transferred all my money out my savings chime account to his account. I found out he had it when I got to the phone store the next morning to buy a new phone to realize all my money was stolen out my savings account ti his. I instantly filed a police report where he currently still has a warrant out for his arrest. I disputed the claim provided information with detective as well as the case number as well as recepit buying new phone at store.chime bank denied me 3x times of sending my money back The person stole XXXX $ out my savings I have struggled tremendously from this incident even suffered with lights being off in home because I couldnt pay my utilities.
Product: Debt collection

I recently found this account on my consumer reports on XX/XX/2021. I am not liable to this alleged debt with Credit Collection Services. I never entered into a contract or credit transaction with Credit Collection Services. Credit Collection Services is in violation of 15 USC 1692 b, this company is infringing on my right of privacy. Credit Collection Services is also in violation of 15 USC 1692 d and 15 USC 1681, accuracy and fairness of credit reporting. This is an inaccurate collection that has been furnished to my consumer reports which has resulted in my credit worthiness and reputation being ruined. It seems as though this company is a collection agency, however I never received any correspondence from this company notifying me of who they are, what debt they are attempting to collect. This company, Credit Collection Services, also is not licensed as a debt collection agency in NY. The two collections on my in the amounts of {$220.00} and account {$160.00}.
Product: Credit reporting or other personal consumer reports

My credit score continues to decline due to old fraudulent debt that continues to reappear on different bureaus. Wells Fargo added charged off debt from XXXX. They have me owning a vehicle that they took. They have not sent me any documentation that shows I had a loan with them. They added it to my credit reports after the credit bureaus removed the debt. This continues to happen over and over again. I thought it was illegal for creditors to add debt with different dates to all three credit bureaus. I am XXXX XXXX XXXX and have been fighting all this fraud on my credit for years. I dud hire an attorney but he needs documentation. He also stated in my case that Wells Fargo should not be showing anything on my credit report due to this being disputed. He also stated that no one can add debts with different dates on my credit report after it was removed due to me being an identity theft victim.
Product: Credit reporting or other personal consumer reports

XXXX  Account # : XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX
Product: Checking or savings account

Around XXXX 2023 my buisness and personal account was closed with navy federal XXXX intially it was just my buisness account but speaking with a represenatative they said that my personal account would have to be closed as well, All while I still had a little over XXXX in my personal checking account and I never received my funds from this account. I tried reaching out to representatives daily and they could not give me an answer to why my account was closed or where my money had went. I couldnt log in nor could anyone disclose why this had happened. I still recieve emails saying that mail address needs to be updated and emails stating that my services are suspended but it doesnt even let me log in due to accounts being closed. This is very unfortunate because they literally just closed my accounts and took my money without reaching out or sending me a check of my funds that remained in the account.
Product: Credit reporting or other personal consumer reports

The negative rating on my account is of great concern to me due to its impact on my credit. It has already led to a loan application rejection and higher interest rates on my current credit accounts. This situation is causing me considerable financial and emotional stress, which will persist until resolved.
Product: Debt collection

I.C. Systems is attempting to collect a loan. I have never had any communications, verbal / written with this firm. I have never received a loan or requested any loan from this firm. This information was communicated to XXXX Credit.

I.C. Systems, refused to remove the information from my credit report.

I.C. Systems.

Amt : {$400.00} Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, MNXXXX XXXX XXXX XXXX
Product: Debt collection

Debt last reported on credit report on XX/XX/XXXX. 

I have disputed debt of {$440.00} from XXXX XXXX XXXX in the past ( XX/XX/XXXX ).  No written notification was given 5 days before of said debt before being posted to credit companies. Debt was sold from original company to current debt collector ( violation of my rights ). Once debt was sold to another debt collection agency I am no longer responsible for this debt as this debt was sold off to another agency with whom I did not sign a legal contractual agreement with. 

Personal information was then exchanged from original company to debt collection agency which is a clear violation of my personal information/confidentiality without my consent or knowledge. 

Furthermore, I called XXXX XXXX XXXX in XX/XX/XXXX to ask how to get in contact with original creditor : XXXX XXXX XXXX and they were unable to provide a phone number and state that debt was sold to XXXX XXXX XXXX and had no way of pulling up my records. The only thing they could do was see how much was the balance I owed which was {$440.00}.
Product: Credit reporting or other personal consumer reports

I have been communicating with XXXX, XXXX and Experian to remove all the outdated information on my credit report. I have disputed everything that was wrong and all I get back is " account was valid " How? Especially if I'm telling you the account is not mines. I've asked them to share what information they received to prove the information is valid. XXXX data breach provided my personal information out my credit was hit with a lot of fraud activity.
Product: Checking or savings account

I called customer service on XX/XX/2023. I was told I must go to a branch to close my business account. But there is no branch in my city or within XXXX miles.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I reached out to XXXX and informed the representative I had been laid off due to XXXX. I was informed to send the documents showing the layoff in which I did. The representative also stated my loans were on a deferment plan. In XX/XX/XXXX I received an alert from my bank indicating XXXX had reported me 90 days late on my credit report for each loan. I reached out to XXXX on several occasions to dispute this lateness. I was told by a representative from the solution department that the requested document that I sent was never received and the late payment could not be removed. Please note I sent documents via email to XXXX lately and the representative did not receive those documents. 

I strongly believe XXXX could have pardon this late payment after realizing I had never been late on my loans before. If the representative didnt receive the documents could someone have reached out to me prior to reporting my loans late.
Product: Credit reporting or other personal consumer reports

Dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Listed as a late payment ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Listed as a late payment )
Product: Credit reporting, credit repair services, or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX Bank XXXX Never Been Late I JUST WORK AT XXXX XXXX XXXX XXXX. XX/XX/XXXX address : XXXX XXXX XXXX XXXX Fl XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely,
Product: Mortgage

On XX/XX/2018, I authorized Sun Trust Mortgage to charge on my credit card for a real estate appraisal to be performed at their direction. This was required for a mortgage application process to move forward. The appraisal fee was itemized to cost {$500.00}. 

On XX/XX/2018 the appraisal was performed by XXXX XXXX XXXX and completed and signed on XX/XX/2018. Shortly thereafter, I received the appraisal package from Sun Trust Mortgage. In the package was an invoice for the appraisal from XXXXXX/XX/XXXX. The Invoice was for {$450.00}. 

On XX/XX/2018 I spoke with my Sun Trust Mortgage Loan Officer, XXXX XXXX. I asked Mr. XXXX why I was charged {$500.00} for the appraisal which was invoiced at {$450.00}. I specifically asked if any additional services were provided to justify marking up the appraisal cost. Mr. XXXX apologetically said a mistake had been made. He said he thought the appraisal would cost {$500.00} and that I was overcharged. He clearly said the {$55.00} overcharge would be returned as a credit on my card. 

The {$55.00} overcharge was never returned as promised. When I withheld the {$55.00} from my credit card, Sun Trust Mortgage refused to acknowledge the appraisal mark up, refused to acknowledge the mistake, and demanded full payment.

To reiterate, Sun Trust Mortgage marked up the cost of the appraisal and did not disclose it. When exposed, Mr. XXXX apologized and promised to make a refund, and then reneged on promise. Then Sun Trust refused to acknowledge any of this ever happened. Now they want to keep the undisclosed and most questionable mark up.

The absolute proof of the truth of this claim can be found can be found in Sun Trust Mortgage 's recorded phone calls as they claim to record all telephone conversations. Incredible.
Product: Credit card

I am writing to dispute a late payment that was recently reported on my credit report. According to my records, the payment was made on time. However, it appears that there is an error in the reporting, and the payment was incorrectly marked as late.