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

XX/XX/year> 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/year> and XX/XX/year> 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 : Payment made within the XXXX grace period : My payments were made on XX/XX/year>, which falls within XXXX XXXX standard XXXX grace period. Therefore, the account should not have been reported as XXXX or 60 days late. 
Clerical error by XXXX : My payment, though made on time, was incorrectly recorded as late due to a clerical error by XXXX. This resulted in the inaccurate reporting of a XXXX and XXXX late payment on my account. 
Evidence provided : I have attached bank statements and payment confirmations showing that the payments were made on time, well within the grace period. This documentation proves that no late payment occurred. 
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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a notice through XXXX that I've gotten an hard inquiry from the company UniversalCIS a company I never heard of as well as the fact I haven't applied for anything new or signed for anything in months. I've tried contacting them but haven't got an answer or any call backs to receive more information or to get the situation resolved. This similar situation occurred on XX/XX/2022 as well with the company Avantus LLC in which I received no answer or call back as well.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXXXXXX 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: Credit reporting or other personal consumer reports

Transunion indicates that I have had approximately XXXX late payments in the last year but I have not had a late payment for almost 6 years which is corroborated by my XXXX credit report/monitoring. 

I tried to dispute the late payment information via Transunion directly on XX/XX/year>, but I could not find any accounts listed in their summary indicating late payments within the last year. Them thinking I have had so many recent late payments is erroneously and improperly dragging down my credit score which unreasonably affects my ability to apply for credit if necessary. I need this addressed and fixed. 

My XXXX monitoring indicates that it has been 5 years 9 months since my last late payment which is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX  New Inquiries XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

There was an electric utility service ( XXXX ) opened in my name, ( maiden name used ) at an address I never resided. I found this delinquent account on my credit report. I disputed it XXXX, XXXX. The collection agency AARGON Agency sent out the disputes XX/XX/XXXX. No response with account verification proof was provided at all from the original creditor. I attached proof the bill is not mine and that I was and still am living at a different address. The account was eventually removed from XXXX and XXXX, but XXXX states they were never notified about the dispute and therefore it remains on my credit report through XXXX today.
Product: Credit reporting or other personal consumer reports

I opened a experience  account i think 2 years ago and never used it or logged in and when i tried logging in it wouldnt let me, yesterday i got a call from a loan company and was asking if i still had the vehicles i told them what vehicles i dont have any they told me i should call credit bureau so i tried logging in experian i was able to login it showed a different credit score than XXXX XXXX and showed i opened account and loaned from XXXX  XXXX XXXX and that i owed i think 2 cars which total i think XXXX, the name on my account showed as XXXX XXXX i think from Texas, I tried login back and it didnt let me i guess the person using my stuff changed password or I dont know but i cant logging nomore i tried talking to someone on the phone from experience  it doesnt give me the option to talk to someone, now i see why i couldnt never get approved anywhere, can you please help me fix this problem
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This debt originated as a XXXX XXXX credit card in XXXX and was discharged by a XXXX XXXX attorney in XXXX XXXX via XXXX XXXX Court ( Civil Division ). XXXX, a Portfolio Recovery Associates represented, called me this morning ( XXXX XXXX, XXXX ) and responded to the statement above by saying " this account was reopened by PRA in XXXX XXXX therefore I am still liable for an unpaid balance of {$1100.00}. ''
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, immediately after payment was sent I found that this person was not a legitimate acting company. Then I asked XXXX to cancel the payment and they told me it hadn't been processed yet.
Product: Debt collection

In XXXX of XXXX I moved into a home leased by XXXX XXXX XXXX XXXX XXXX. When I moved into the home I experienced several issues. There was no hot water heater and numerous plumbing issues, causing the home to constantly have water flooding. I sent multiple complaints to the property management company without it being resolved. I move out of the home 2 months later due to inhabitable conditions for me and my XX/XX/XXXXsmall children. Hunter Warfield added a collection to my account in the sum of {$12000.00}. I have disputed this inaccurate information multiple times without resolution. 

On XX/XX/XXXX, I spoke with XXXX at XXXX XXXX XXXX XXXX XXXX about this account and the balance. I explained the inhabitable conditions to her and it was also agreed that because of Texas Property Code 91.006, I can not be charged for rent amounts after a property is leased to a new tenant. I was informed that the balance should not be the $ XXXX that is reporting and was given a significantly lower balance of {$3900.00}.
Product: Credit reporting or other personal consumer reports

I am filling this complain to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian credit reporting agency , remove the inaccurate hard inquiries on my credit report that are the result of the identity theft within 4 business days of receiving this complaint. This fraudulent activities resulted the following hard inquires appear on my consumer credit report 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 XX/XX/year> XXXX I do not recognise these credit inquires, and I have asked Experian to remove them but they did not do so. I am providing an IDENTITY Theft Report attached to this complain form, to request you to remove them as these inquiries are inaccurate.
Product: Checking or savings account

On XX/XX/2021, my mother informed me that she received a letter in the mail with my ( partial ) name on it. After I asked her to open it to see what it was, she said it was a check from Chime for some sort of refund. After calling Chime and navigating their automated phone system, I came to the conclusion that someone opened an account with Chime using my partial name ( only half of my hyphenated last name ), my an old address ( my mom 's address ), and my social security number. I contacted Chime over email to try to get to a real person, which I could not do over the phone. They insisted I provide them with government-issued ID and last four of SSN, over insecure/unencrypted email. They would not allow me to get to a real person and kept giving me the main phone number which does not let me get to a person. Additionally, my IDs have my correct personal information, which I do not trust them with nor does it match the fraudulent account with partial and old information. Chime failed to check the SSN used by the fraudulent account owner to make sure it matched my full name and current address. Their failure to prevent the most obvious of fraud puts my personal information and financial well-being at risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive repeatedly disputed with transition and XXXX  my late payments reported on credit report from XXXX. I supplied documents proving the late payments were jot late just deferred but neither will change my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to let you know that I found wrong and incorrect information in my credit report. These accounts that I mentioned in my complain report are not mine. Its pure identity theft, I think someone just used my personal information or I just became a victim of identity theft. I do not recognize these accounts absolutely. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Product: Credit reporting or other personal consumer reports

Equifax has illegally reinserted previously deleted accounts from XXXX XXXX and XXXX XXXX XXXX XXXX on my credit profile. The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report.
Product: Payday loan, title loan, personal loan, or advance loan

Titlemax has blindly charged me a ridiculous interest rate and pawnshop fee on my account. I've had service with them before and I'm now seeing major red flags. The company has violated my rights and tricked me. 
I took out a loan for XXXX in XX/XX/year>. I was given a bill balance of XXXX which i was told later are pawnshop fees alone. Every time I'm paying extra on my balance, the principal NEVER SEEMS TO get lower. This company is operating on illegal and unethical terms.
Product: Credit reporting

There are several inaccurate address listed under personal information. 
The following addresses actually belong to my daughter who has a very similar name to mine : XXXX separate addresses on XXXX XXXX XXXX in XXXX, WI. I believe this occured when she submitted a change of address form in 2011 through the USPS. We were aware that there were issues with the automatic changing of addresses but were unaware that this was included on the credit report. 
The address on XXXX is also incorrect. My son lived at this address while in graduate school and this error most probably occurred with a USPS forwarding of mail at that time.
Product: Mortgage

I made several attempts, by phone and through the website, to determine why my conventional mortgage payments would go up from {$1100.00} to {$1400.00}. This was in the fall of XXXX. I got no response. Finally, on XX/XX/2020, I sent a message through XXXX. 
In XXXX, I got a call from Freedom Mortgage and the rep didnt really have an answer, but said he would escalate the issue and I would hear from a supervisor. As of today I have heard nothing further. 
I really want my account audited to determine what is going on. A definitive answer. I am very suspicious of the situation and have consistently had issues trying to contact the company. 
The company is Freedom Mortgage, XXXX XXXX XXXX, XXXX IN XXXX. Their phone number is XXXX.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and noticed that several fraudulent accounts listed and I ', requesting a review of the account because it's hindering me obtaining credit at this time.
Product: Credit reporting or other personal consumer reports

XXXX is the problem, you stole 16 months of on time never late payments and refused to give them back and now your telling me you can negotiate a lower price for a bill you won't put back on my report SCAM
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of 2020 I contacted Yamaha Motor Finance Corp USA to inquire if they could extend me any payment deferrals on my account due to the COVID-19 impact on my employment. The customer Service Rep. verbally granted me a 60 day extension. 
A few months later I discovered that Yamaha had been reporting me late to all 3 credit Bureaus. At that point I contacted Yamaha again asking what was going on. They replied that the customer service rep failed to inform me that I needed to sign and submit a Disaster Relief Modification Agreement, which by the way I never received in the mail, for the 60 day extension to be valid. They said if I signed one at that time they would be able to apply it towards the missed payments and remove the late status from the credit Bureaus. I signed and forwarded the form to them and after that I have spoken to several Yamaha Customer Service Managers which are extremely difficult to get in touch with as they refuse to provide a direct phone Line, email address or direct contact to the credit department. Bottom line I have exhausted all efforts to get them to correct their mistake that impacts my credit score and even though I continue to pay my Bill every month they keep moving that modification forward instead of applying it back to XX/XX/2020. Beware of that company. It is also interesting that they have a Loan Servicing company that apparently are the only people the consumer can talk too and when it comes to the Credit Bureaus all three of them have a completely different address for Yamaha Motor Finance for contact and when you try them they send you back to the Servicer company so the run around never ends.
Product: Checking or savings account

BofA has been running a public cash bonus offer throughout the year to provide new business customers with a {$200.00} bonus for opening a new Business Advantage checking account online. I signed up for it on XX/XX/, using the link below with the promo code " XXXX '' : https : XXXX. 

The offer details I signed up for are listed below : 1. Make Qualifying Deposits of {$5000.00} or more in new money* within 30 days of opening the new business checking account.

2. Maintain an average balance of {$5000.00} for the next 60 days ( days 31-90 ) during the maintenance period. 

I then deposited new money from my other banking institution on XX/XX/, and maintained the required balance over 90 days. However, I didn't receive any cash bonus from BofA even though I met all the requirements set by the bank. I then contacted the bank and received a case number for it. Later, I called and realized that my case had been denied without any given reason. Therefore, I am filing this complaint to ask for assistance in resolving this issue.
Product: Mortgage

I was approved for a trial modification with Select Portfolio Servicing under the Tier XXXX modification program and was told this would be based off a 2 % rate for first 5 years and it would step up to the XXXX XXXX rate after that. When I received the final modification documentation I was offered a 5 % interest rate instead with a large balloon payment as a deferred balance. In the most recent verion of the XXXX handbook under XXXX XXXX it clearly states that in order to acheive the 31 % of the monthly gross income as a monthly payment, the lender is to first reduce the interest rate down to 2 %. 

" XXXX Step XXXX -- Interest Rate Reduction In the second step, the servicer reduces the starting interest rate in increments of XXXX percent to get as close as possible to the target monthly mortgage payment ratio. The interest rate floor is XXXX percent. If a borrower has an ARM or interest-only mortgage, the existing interest rate will convert to a fixed interest rate, fully amortizing loan. 
If the loan is a fixed rate mortgage or an adjustable-rate mortgage, the starting interest rate is the current interest rate. If the loan is a Reset ARM, the starting interest rate is the Reset Interest Rate if it is within 120 days of reset. 
If the current mortgage rate ( or the ARM reset rate, if applicable ) is not at a XXXX percentage point increment, servicers should not round the interest rate first. Begin with the un-rounded rate and reduce it in XXXX percentage-point increments until the target monthly mortgage payment ratio is achieved. Upon reaching the point where a further XXXX percentage-point increment will reduce the rate below XXXX percent, set the rate to exactly XXXX percent with no term extension and determine if the target monthly mortgage payment ratio is achieved. If it is not, move to the next step of the waterfall ( term extension ). The interest rate must be fully reduced to XXXX percent prior to any term extension. 
For example, test for the target monthly mortgage payment ratio at XXXX percent ; if it is not achieved, reduce the rate to XXXX percent and test again ; if it is not achieved, reduce the rate to XXXX percent and test again ; if it is not achieved, fix the rate at XXXX percent and move to the term extension step of the waterfall. 
If the resulting rate is below the Interest Rate Cap ( as defined in XXXX XXXX ), this reduced rate will be in effect for the first five years. This is followed by annual increases of XXXX percent per year ( or such lesser amount as may be needed ) until the interest rate reaches the Interest Rate Cap, at which time the rate will be fixed for the remaining loan term. 
If the resulting rate exceeds the Interest Rate Cap, then that rate is the permanent rate. '' It is clearly defined that the rate is to be reduced down to 2 % before moving on to any type of deferral of principal or any other steps in the waterfall process. PLEASE HELP!!!
Product: Bank account or service

Hi, I have a bank account with Wells Fargo and I know from time to time I have let things overdraft. But, there are times when I felt like they would hold something back like a check and wait till I was almost out of money so I would overdraft and they they could collect the fees they charge. At {$35.00} a pop it adds up, and I live on one check a month. The bank has all my statements on file, but I know they can alter them if they altered those accounts. What do I have to do to find out if that 's what happened? Thank you