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

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

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : 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 Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : I made the payment before the due date. The payment was processed late due to a clerical error on the part of the creditor, which is documented in the enclosed bank statements and payment confirmations. 
XXXX XXXX : There appears to have been a system delay with the creditor processing my payment, which should not have resulted in a late payment being reported. 
Evidence Provided : I have attached payment confirmations and bank statements as evidence showing that the payment was made within the required time frame, and it was processed late due to an internal delay. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

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

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

Sincerely, XXXX XXXX XXXX
Product: Consumer Loan

In XX/XX/XXXX I purchased a vehicle. Within 6 months I turned it in to avoid repossession. It was XX/XX/XXXX and I received a notice from Professional Bureau of Collections of Maryland , Inc that I owe XXXX for an old debt. I requested a letter of validation in XX/XX/XXXX. I just received it dated XX/XX/XXXX. It shows loan date of XX/XX/XXXX and then XX/XX/XXXX I believe is the turn in date. It shows no activity for 5 years then in XX/XX/XXXX it shows a payment of XXXX was made ( which I did not make ). Then no activity for 3 years and then it shows payments of XXXX each for 23 payments until XX/XX/XXXX. I made none of these payments. I believe they made these payments on my behalf in order to extend the statute of limitations. This account is 11 years old and should be well past the statute of limitations. It shows XXXX as the balance on page XXXX but on the letter it shows I owe XXXX for a vehicle I turned in after 6 months.
Product: Credit reporting or other personal consumer reports

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. 
Please see attached documents and letter for referenced issues from above.
Product: Debt collection

MRS BPO LLC has violated my right protected by the FDCPA with multiple violations. 
i sent my dispute letter thru certified mail tracking # XXXX. Requesting debt validation. I have not received any return mail from MRS BPO LLC within 5 business days of receiving my dispute to acknowledge that they have my request and are investigating the issue and or any documents to verify the debt according to 15 U.S.C 1692g ( a ) " contents of debt '' they have failed to do so and is grounds for removal. Also they violated 15 U.S.C 1692g ( b ) '' disputed debts '' for they have furnished the account to XXXX and XXXX without the debt being verified and validated. they also violated my rights 15 U.S.C 1692 b ( 3 ) for they reported it to XXXX and XXXX 15 U.S.C1692 b ( 5 ) on the content of mail they sent me furthermore the account information being furnished on my credit report has inaccurate dates open, high credit this is also grounds for removal
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following inquiries and ask for their removal from my credit report.. Please have these unapproved inquiries removed from my credit report, as it is harming my ability to obtain new credit. I did not give any of these companies permission to check my credit.
Product: Mortgage

My wife and I have a VA mortgage with CitiMortgage. Three years ago we, like many Americans, fell behind on payments and were in danger of foreclosure. We were able to work out a repayment plan to catch up. Citi configured a 35 month repayment plan that was supposed to catch us up if we made an elevated payment for the 35 month period of the program. We owed approximately {$3500.00} when the plan was implemented. We made every payment for the defined amount before the deadline each month during the program. In XXXX of 2015 we made our final payment and called 10 days later to verify the completion of the repayment plan and status of our mortgage expecting to hear we were caught up. Much to our surprised we were told we were even more delinquent than when the program began, owed over {$5000.00} and were still in danger of losing our home. Citi immediately offered to work out another repayment plan to catch up on our mortgage. We appreciate your help in getting this matter resolved quickly.
Product: Credit card

I have been a loyal XXXX XXXX XXXX member, provided by Synchrony Bank, for a long time. My payments are set up automatically to have {$220.00} paid every month. In XXXX I received a reminder text by the company to pay my bill, which I immediately thought this was suspicious because I have never received this text before. The automatic payment wasn't cancelled and I know I checked my account and it said the payment was received and good. So I regarded the text messages as spam/scammer trying to get my information, I ignored it and didn't think anything of it. I knew money was tight and was checking my accounts more proactively. Then in XXXX, I find a late fee. Now I'm upset because I was under the impression everything was good, auto payment still in effect and I know I logged into the account and verified the payment went through and the account read {$0.00} due at this time. So request the late payment be removed through the online chat and the program responds no. I'm now more confused because this is the first late payment in years, I have auto payment set up, even if its my fault every financial institution I've dealt with would waive at least XXXX late fee. I decide to pay off the statement balance in XXXX except for the late fee. Through the online chat I request to close my account and its reminds me I'll loose any points I have. I didn't think I had any points so I say no at first. Then log into the account see no points. So they lied or where deceitful to keep my account open so they could keep charging my account. I canceled the account shortly after paying off the balance with the exception of the late fee. 
Then I start getting paper statements that I owe like {$200.00} dollars or something close to that. I log into my online account because that's the only way to get ahold of them. Go on the online chat and cancel the account again. It says the account is already closed. So I call to inquire why I'm being charged. She informed me that, due of the unpaid balance it acts and inquires fees the same as an open account. Closing the account doesn't stop late fees or interest building up. I explain the situation and she also is surprised why the late fee wouldn't have been waived. That would have prevented this whole mess and I would still have an open account. The customer service reprehensive seemed to be on my side and could remove some of the fees but not all and I would still be over {$100.00}. That's ridiculous to be charged a fee after reporting the account was paid and they couldn't waive a late fee that was clearly there fault. Had I know I would have made a payment to prevent a late fee. I don't control the account reporting website or texting service. Why would you send a text message and at the same time report online the account is paid in full. It was done on purpose to get a fee that they haven't gotten from me in a very long time. Now my credit is being affected very badly due to there poor website. Very deceitful. The customer rep. was even at a lost for words.
Product: Debt collection

XXXX XXXX XXXX sent all of my personal information to a person in another state unknown to me. My email, address, phone number and email address. Violation of my privacy. I have never received any information from them regarding those debt and didn't nkt know of it until it showed up on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX  # XXXX, XXXX, XXXX # XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX # XXXX , violated my 609 rights by reporting incorrect information to Experian regarding my credit file. 
Experian further violated my rights by adding incorrect information to my credit profile for others to view. They have violated my rights to have fair and accurate information on my credit report. My personal information on my credit report is inaccurate as well I have requested to have my addresses, phone numbers, and names corrected on my report, this is a violation of my consumer protection rights.
Product: Checking or savings account

The company I'm dealing with is SoFi. This all began in XXXX XXXX XXXX and I have been trying to get my money back ever sense. 

There where no issues up until recently where multiple transactions where made without my consent to different people. I do not know these people and they are not " friends '' or connected to my account. Not only did this make my account negative in funds, but also it took money out of my connected XXXX XXXX XXXXXXXX account. " XXXX XXXX '' took {$95.00}, " XXXX XXXX '' took {$410.00} then another {$500.00}, " XXXX XXXX '' {$500.00}, " XXXX XXXX '' {$500.00} and " XXXX XXXX '' {$330.00}. I've called their customer support several times. Talked to them on the phone and in email to get nowhere. They did a " closer look into my account '' and deemed all my transactions by me and not someone else. They then decided to close my account and erase all that has happened. I still have the same log in information and can still use SoFi, but all of the previous information has been closed and they reported it to the credit bureaus. If you look at my banking history with them, these transactions I've never done to make my account negative. I also was never notified of the transactions via the app or email, until my account was frozen. I also had to do multiple face biometrics to confirm my account and that still wasn't enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

After XXXX breach, XXXX gave me a XXXX account with a website address that is " not found '' and contact phone numbers which are not reachable. I continue to receive " alerts '' as to changes ( probably credit applications ) on my credit report which I can not view in order to do anything about. Further, my DOB is wrong and when I recently applied for credit, was told that my identity can not be confirmed. I have repeatedly tried by written and phone communications to get the incorrect information off of my report by all 3 credit reporting bureaus ( XXXX, XXXX and Experian ) but never receive a reply or can receive proper and helpful assistance from customer service representatives by phone, etc. I have opted out of receiving credit offers by mail and my opt out has also not been respected which means I continue receiving these offers to my home address via unsolicited US Post Office mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found this item on my credit report and I do not recognize this company and have never done business with this company. I disputed this account with them directly and I did not receive any proof that the item belong too me. I want this item removed immediately because its damaging my credit and my credit score. I am stressed from this situation. This company is violating my rights under the FDCPA section 809 ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account, Has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1692g - Validation of debt law This account with Capital One has been Charged off but is still reporting derogatory and balance to my credit report. I have requested a 1099c form so I can audit them to make sure they are in compliance but have yet to receive one. This is account is not reporting accurately to 2 to the bureaus.

They are violating 15 USC 1681 e ( b ) for reporting information that is not 100 % accurate.
Product: Debt collection

I had a loan from XXXX XXXX XXXX. My bank account got hacked. My Account was closed. Im guessing bayside capital services bought the loan which is weird because I found out that XXXX is unliscened. I never received a letter of validation. Finally got a call and was told Id be served papers as someone will be coming to my house and employer ( illegal ). I call asking for a license. Come to find out they dont have one. Cant even find their website online, I had to ask personally. They claimed they sent validation which is false. They have called early as well which I also know is illegal. Im not sure this is a legit company Ive also seen very bad ratings. I notified XXXX   and they said they had no idea who these people are.
Product: Debt collection

I am new to credit and recently went to apply for a vehicle and they stated I have a collection on my credit report. I need this looked into and taking off my credit if they can't prove I owe this debt. 

This is greatly hurting my credit. 
Thanks
Product: Credit reporting or other personal consumer reports

The persistent presence of fraudulent and inaccurate information on my consumer report continues to cause significant disruption in my life, despite my numerous attempts to resolve these issues. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense stress and anxiety while severely impacting my financial stability and everyday wellbeing.
Product: Debt collection

On XX/XX/year>, XXXX Cooper contacted me via phone, stating that I owed a debt. During the call, I requested that all communication and documentation regarding this matter be sent to me via certified mail. Despite this request, he began texting my personal cell phone, making threats to take me to court and XXXX  jail time. 

In response, I sent a certified debt validation letter, which was received and signed by XXXX XXXX on XX/XX/year>. 

XXXX cooper is messaging me on my personal phone number from a different number with the same threats.
Product: Checking or savings account

XX/XX/2024 XXXX XXXX XXXX XXXX & XXXX XXXX XXXX Truist XXXX XXXX XXXX XXXX XXXX, NC XXXX RE : Help Requested Checking Account XXXX Dear XXXX XXXX XXXX I have tried to seek help through Truist Customer Service but have not been able to understand the logic behind a ten ( 10 ) day hold on a personal deposit of {$400.00} that I made via the Truist phone application on Friday, XX/XX/2024. 

Background I made a check deposit of {$400.00} from my XXXX XXXX XXXX XXXX ( XXXX ) checking account ( XXXX ). My XXXX checking account is linked with my Truist checking account ( XXXX ) and vice versa. The deposit was made via my Android phone and at the time of the deposit, my Truist checking account was overdrawn in the amount of negative forty-one dollars and twenty-eight cents ( - {$41.00} ). My deposit when fully cleared would have left a balance in my Truist checking account of {$360.00}. 

When I made the deposit on Friday, XX/XX/XXXX, it was posted with {$220.00} immediately available. 

However, on Saturday morning, XX/XX/2024, I received a text message indicating that a XXXX Administrative hold had been placed on the full deposit amount. I called my local Truist branch and was told I need to call back on Monday to speak with the back office. I also called on Monday, XX/XX/2024, and after being on hold for about XXXX minutes waiting to speak with a manager or supervisor, I was still unable to get a reasonable explanation from the Customer Service Representative who placed me on hold. 

Follow-up Request Sir, is there anything that you can do to help me? Why is there a 10-day hold on a check from an account that is linked to my Truist checking account? 

I would appreciate hearing from you. Thank you! 



Sincerely, XXXX XXXX XXXX ( work ) XXXX ( cell, no cell access at work ) XXXX ( home ) XXXX ( email )
Product: Credit reporting or other personal consumer reports

When I went through my credit profile I saw inquiries that didn't belong to me.
Product: Debt collection

I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had negative status on several accounts that I was sure to be positive. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. fix these accounts : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.
Product: Debt collection

1. Tek Collect is attempting to collect a consumer type debt allegedly owed by Plaintiff to XXXX XXXX XXXX XXXX with account number XXXX in the amount of {$530.00} ( the " Debt '' ). 
2. Sometime around XXXX XXXX, 2016, Tek Collect sent me a letter attempting to collect the alleged Debt. 
3. On or about XXXX XXXX, 2016, I sent a letter to Tek Collect requesting validation of the alleged Debt. In this letter, I stated that I paid the alleged debt in full. 
4. On XXXX XXXX, 2016 or about XXXX XXXX, 2016, I sent a letter to Tek Collect requesting that it cease and desist communication from with me since they were repeatedly calling me at work and did not comply with my verbal request to not call me at work. 
5. On or about XXXX XXXX, 2016, I obtained my XXXX credit file and noticed that Tek Collect reported the alleged Debt in the amount of {$530.00}. This stated that the date opened was XXXX XXXX, 2016, which is also false as I was first contacted by Defendant prior to XXXX XXXX, 2016. Further, Tek Collect did not flag the alleged Debt as disputed, in violation of the FDCPA. 
6. On or about XXXX XXXX, 2016, I obtained another XXXX credit file which again showed that Tek Collect reported an inaccurate balance of {$530.00}, an inaccurate opened date of XXXX XXXX, 2016 and it did not flag the account as in dispute.
Product: Credit reporting or other personal consumer reports

THERE IS A XXXX ACCOUNT ON MY CREDIT REPORT THAT I DID NOT OPEN OR AUTHORIZE TO BE OPEN USING MY PERSONAL INFORMATION AND I BELIEVE THIS IS A CASE OF IDENTITY THEFT. I WOULD LIKE THIS ACCOUNT REMOVED FROM MY CREDIT REPORTS IMMEDIATELY AS THESE NEGATIVE REMARKS ARE HINDERING ME FROM OBTAINING NEW LINES OF CREDIT. ALSO THERE ARE XXXX HARD INQUIRIES THAT I DID NOT INQUIRE XXXXXXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX XXXX ( Auto ) XXXX XXXX, XX/XX/2023 XXXX ( Finance ) XXXX XXXX, XX/XX/2023 I NEED THESE ISSUE HANDLED PROMPLTY PLEASE TO AVOID LEGAL ACTION
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax, I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

The following accounts have payment history/summary listed on my Consumer Reports XXXX, XXXX, TransUnion I never granted permission to furnish this on my reports. It violates 15USC1681AN. I demand all payment summarys be deleted from these accounts immediately and updated today. 
It violates the Federal Law Fair Credit Reporting Act XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX