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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit File Dear CFPB, I am submitting this complaint regarding the inaccurate late payments reported on my credit file maintained by Experian. These late payments misrepresent my creditworthiness and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are incorrect. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts, including this XXXX XXXXXXXX XXXX account ending in XXXX. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments is a violation of my rights under the FCRA, specifically 15 USC 1666 ( b ), as it misrepresents my credit history and falsely impacts my creditworthiness. 
Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : This inaccurate reporting may also constitute a violation of the FDCPA, which protects consumers from misleading representations regarding their accounts.

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

Additionally, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2 of the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies and information furnishers to correct any inaccurate or incomplete information in consumer credit reports, ensuring maximum accuracy. Furthermore, sections 15 U.S.C. 1681n and 1681o outline civil liabilities for willful and negligent noncompliance with the Act, providing for actual and punitive damages.

Summary of Errors on Account 30-Day Late Payment : Listed as late for XX/XX/XXXX, but payments were made on time via autopay. 
XXXX Late Payment : Listed as late for XX/XX/XXXX, which is also inaccurate, as I maintained timely payments. 
Account Description : The account is inaccurately described as closed due to inactivity, though I have been an active customer and regularly made payments. 
Account Status : The account status is Closed but should accurately reflect my active status as an on-time payer during the disputed period. 
Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. All entries should be updated to accurately reflect my 100 % on-time payment history. 
I expect to receive written confirmation of these corrections within 30 days of this complaint submission. Failure to resolve this issue may lead to further actions to protect my consumer rights. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to 16.U.S.C. 1692C, you have violated my rights by unlawful communications ; please remove these collections from my credit report. thank you.
Product: Bank account or service

Previous case number is XXXX. 

Blackhawk Network Holdings Inc owes me {$5700.00}. I submitted all necessary information on XXXX XXXX, XXXX to receive the refund owed to me and I have the email to prove it. They claimed to have sent me a check on XXXX XXXX, XXXX which I have not received. After filing a complaint with the CFPB, on XXXX XXXX, XXXX, they stated they will reissue a check and I should receive it in 7-10 business days. I have not received it. Furthermore, I called today ( XXXX XXXX, XXXX ) and confirmed that the last time they issued a check was on XXXX XXXX, XXXX and that the case has been closed. This leads me to believe Blackhawk has been deliberate in not sending me the funds owed to me.
Product: Checking or savings account

when i go to link my accounts to a site such as XXXX or XXXX  it keeps saying i am blocked and the bank told me it's not them?
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$620.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Mortgage

Paid for an appraisal and it was never completed and refund was never processed after promises. No update on finalizing loan title work for almost 2 months now.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with DISCOVERBANK was never late! I have had exceptional payment history with DISCOVERBANK and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

Midland Credit Management / Midland Funding has violated my right and the Fair Credit Reporting Act, and also violated the Fair Debt Collection Practices Act, and Defamation of my Character by breaking these laws. Attached is a copy of an AFFIDAVIT OF TRUTH, a copy of Exhibit A, and an INVOICE for the violation they broke.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opted in for a forbearance with my mortgage company Sierra Pacific earlier this year due to COVID19 however, I NEVER stopped paying my month 's balance due and was never late. On XX/XX/2020 I requested to be taken off of forbearance under my account and credit reports. It has been over a month now and Sierra Pacific still has not notified the credit bureaus of this and it is heavily impacting my credit reporting. I have called them and asked to expedite and remove this however they are giving me the run around. It has been over a month and this continues to hurt my ability to take out new loans.
Product: Mortgage

I applied for a VA/HUD addendum mortgage and the bank consultant XXXX XXXX after sending me documents to sign and complete the lender process declined after my calling about the matter. And emails, letter and phone calls he stated were mede but a VA/HUD addendum with the VA Form used to obtain the mortgage loan.The form for a Veteran to obtain the mortgage loan but I am declined because of a FICO score leaving me no options to get a mortgage loan and all involved unknown to me just fraudulent practices on my application. Discrimination against me! VA Mortgage Loans are backed by the Veterans Affairs Administration and I am declined. I want to sue Wells Fargo Bank for $ XXXX.For damages awarded soon I am homeless and a Veteran with first time home buyer opportunity and benefits.
Product: Student loan

Years ago I wanted to pay off my higher interest loans with payment which were higher than normal/minimum. I noticed Navient 's website did not allow me to select certain loans to pay off with extra payments, everything was distributed by their system. I called the servicer and was told on the phone that I was unable to select what loans I wanted the extra payments to go towards.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 high yield interest savings accounts. Capital One misrepresented the 360 Savings account as having one of the nations highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their obligations to account holders.
Product: Credit reporting or other personal consumer reports

I am contacting you again because I know my rights and its the law you must follow or i will be seeking litigation in my state of Florida. I am a victim of Identity Theft. Pleaese do not send me a stall letter i am XXXX XXXX  with a XXXX XXXX and im sending this letter on my own. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my creditreport, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Product: Credit reporting or other personal consumer reports

I had a background check done and it went back to XXXX and XXXX and I had no idea that those charges was still on my record because they were supposed to been cleared and has of a result I was denied XXXX  for the company that I applied for
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am a victim and limited on means to transmit information ( please see attached ). My personal statement is as follows : greetings and thanks for your tme today. it appears i am victim of identify theft. my information has been stolen and used yo open credit accounts without my knowledge or consent. please block and remove all of these fraud accounts. once again, thank you and God be with us. thank you and I pray and wish that I will not be discriminated against through these means
Product: Debt collection

They have 14 different alleged accounts listed on my credit reports Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

. 
These accounts were add without my written consent, I'm demanding all accounts and inquiries be removed immediately. 
They will say the debt needs to be verified first, REPLY. IM THE CONSUMER PURSUANT TO 15 USC 1692 I don't not owe any debts because I'm to consumer. And I'm not obligated to pay I'm XXXX agent pursuant to 15 usc 1602 o I'm the administrative agent I'm not the owner the social security card belongs to the social security XXXX I have to give it back upon request, so therefore, I'm not the owner! I don't own any debt attached to 18 USC 8 will provide that information to you I don't own any debt. 
You're talking to the consumer, they can't validate any debt. To validate a debt is to assess an action, I'm the only one who can validate a debt and it not mines and it's not yours. 
15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with " neighbors, friends, or associates '' of the consumer reported on or with others with whom he is acquainted or who may have knowledge. 

15 USC 1681a ( e ) it stayed you have to do personal interviews with neighbors, friends or anyone associated with the consumer with is myself '', you guys didn't do that! 

Now under the law my federal consumer rights, according to 15 USC 1681b ( a ) ( 2 ), I'm instructing right now to remove all the accounts and inquiries according to my written instructions I don't consent to any of this being reported, I do not give you guys permission to furnish any of my information.
Product: Debt collection

We have been trying to short sale our rental property ( XXXX XXXX XXXX XXXX, CA XXXX ), but XXXX XXXX XXXX will not give us an answer for either approval or denial. We 've have a buyer in place since XX/XX/XXXX and they have already signed 1 extension.
<P/>
We 've submitted all the documents that XXXX XXXX has requested, but they refuse to give us an answer and see to be delaying this transaction for as long as possible. We are at risk of losing our buyer and have the house foreclosed due to their inactivity.
<P/> XXXX XXXX XXXX is the 2nd lender on the house ( HELOC ) and they 've been patient, but time is running out for them, as well.
<P/>
Also, my wife ( XXXX ) and I are going through divorce proceedings and we need this resolved so we can move forward with our lives.
<P/>
I 've attached the relevant documents. My realtor is XXXX XXXX and XXXX XXXX is assisting him. They can be reached at - XXXX - XXXX  XXXX XXXX - XXXX
Product: Debt collection

Repeatedly called on my cellphone stating I owe on a credit card with XXXX. Informed associate I have never done business with XXXX and was then informed the debt belonged to another name. The other name happens to be my sister whom also has never done business with XXXX.
Product: Credit reporting

Facts : - My credit report shows a 60 day late payment on a student loan that was incorrectly filed as active ( not deferred ), when in fact the actual deferred pay start date is on XX/XX/XXXX. 

- On XX/XX/XXXX. I contacted the university about this issue, and they have informed me of their reporting error and contacted their partner lending agency. 

- From my understanding, the partner lending agency, XXXX XXXX XXXX, was contacted on XX/XX/XXXX of the reporting error. 

- On XX/XX/XXXX or XX/XX/XXXX, XXXX XXXX XXXX, claim to have updated the correct information. 

- I contacted both the University and XXXX XXXX XXXX to inform that that my credit report has not been updated on XX/XX/XXXX ( more than 30 days after my initial contact with them ) - I also filed a dispute with Equifax. 

- On XX/XX/XXXX, I received a letter from Equifax claiming that my dispute was denied and that " This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to OUR company that the prior paying history is being reported correctly. This creditor/agency has verified to OUR company that the date of last activity is being reported correctly. " - I contacted XXXX and they informed me that they have updated my account on XX/XX/XXXX for the second time to the CRA. 

- Both the lending group and the university are currently not offering any solution beyond asking me to wait for the correct information to reflect on my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased a computer from XXXX that showed as delivered on XX/XX/XXXX, but I never received. I contacted XXXX XXXX several times to get this handled and they kept referring me to my credit car company Discover, to dispute it. I contacted Discover and opened a dispute on XX/XX/XXXX for {$2400.00} and submitted all the paperwork I had. I submitted the emails from XXXX XXXX and from XXXX. I disputed the charges on the grounds that I never received the order and the XXXX  tracking showed it was signed for by someone I never heard of. Discover closed my dispute and ruled in XXXX XXXX 's favor. Their own terms of service indicate that if I don't receive an item I bought, that I can open a dispute and they will refund it if it is proven that I didn't receive it. By XXXX  's tracking number, it clearly shows that I didn't receive the item, and that XXXX  delivered it to the wrong address. I have tries contacting Discover multiple times since and they continue to refuse to reopen the dispute. Discover violated their own terms and didn't protect their customer, me, from being wronged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Todays Date : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX   XXXX Complaint : ALLEGING UNPROVEN DAMAGING ENTRIES ; SEEKING ANNULMENT FOR NON-PERMISSIBLE PURPOSE.

To Whom it may concern : XXXX, XXXX, Trans Union According to The Ninth Circuit, in Pintos v. Pacific Creditors Association ( 9th Cir 2007 ) 504 F.3d 792 it decided that without a permissible purpose one is in violation of 15 U.S.C. Section 1681b. Based on this decision, it appears that your agency is in violation of furnishing a copy of my credit report to the below companies.

As the court interpreted and based on has been done in my case, FACTA clearly states that one only has a permissible purpose for obtaining a credit report under 1681b ( a ) ( 3 ) ( A ) and when it is only in connection to a credit transaction in which a consumer has participated directly and voluntarily. I DID NOT DIRECTLY AND VOLUNTARILY SEEK CREDIT WITH THE FOLLOWING COMPANIES and they DID NOT HAVE A PERMISSIBLE PURPOSE.

XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am requesting immediately deletion of the above inquires.

Thanks for your prompt attention
Product: Credit reporting, credit repair services, or other personal consumer reports

I am getting the run around, from my vehicle finance company and the 3 credit  bureaus. I would like for some assistance. I have a good standing account. that should be reporting. The lack of this reporting and inaccuracy is hurting my creditworthiness. I have spoken to 2 of the 3 credit bureaus. Yet again! getting the run around! 

Please let me know what CFPB cant do to help. There is a mistake on someones part. I need help making it right. 

Date of notice from seeing FICO ( XXXX-19 ). Date for contact to finance company ( XXXX-19 ) Date of communication with finance company representative ( XXXX-19 ) Date of contact with XXXX ( XXXX-19 ) Date of contact with Transunion ( XXXX-19 ) I have not been able to reach XXXX. They are unavailable over the weekends
Product: Credit card or prepaid card

My XXXX XXXX Card account was acquired by Capital One sometime inXX/XX/XXXX In XX/XX/XXXX XXXX  issued a large interest refund check to me for over-charging interest on my account balances, beginning in XX/XX/XXXX. Chase stated that my interest rate should have been prime + 5.99 %. I asked Capital One to investigate why I was currently being charged interest at a rate of 20.49 %. I have made all payments on time, and I have done nothing that would have allowed Capital One to subject me to higher interest rates than what I had with XXXX  at the time of the account acquisition. I initially contacted XXXX XXXX XXXX, at Capital One 's headquarters in XXXX, Virginia. He referred me down the line to individuals ( " XXXX  '', " XXXX  '', " XXXX '', XXXX XXXX, XXXX XXXX ) who repeatedly promised to review my account. It has been well over two months now and I have not received a substantive response to my request for an interest rate review and credit.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX  {$1900.00} XXXX XXXX XXXX XXXX XXXX {$3200.00}
Product: Credit card or prepaid card

I havent received my Way2Go card in the mail yet and already submitted an other complaint and they resolved it by sending me another card that will be here tomorrow but I was wondering if I could get you all to rather just take the balance thats on my Way2Go card and deposit it into my direct deposit account