23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ok so first off this account does not belong to me a few months ago it was with another company XXXX XXXX it was removed from all three credit bureau 's. So i wake up a few weeks ago and I get several alerts that I have a knew collection account from Credit Managment whom I have never heard of, and never received any communication from at  all. I have been calling them everyday since they added this account to my credit profiles. Not only do I not owe XXXX XXXX because I have never had an account with them but isnt it illegal for Credit Management not to give me any notice and ruin my credit they I work very hard to correct and maintain. This is ridiculous I do not appreciate their lack of tact how after I successfully got this account removed while it was with another collection company they then buy it and saddle me with it yet again. This is incorrect and an over use of their power further more for me to not to be able to reach them is very unprofessional..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Below are the accounts that are reporting on my Credit Reports : Late Close XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX {$71.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$890.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$480.00} Date Opened : XX/XX/XXXX Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$120.00} XXXX XXXX XXXX XXXX {$790.00}
Product: Credit reporting or other personal consumer reports

Incident Description : On XX/XX/XXXX, I initiated a formal dispute with XXXX to address historical entries marked as late payments for the years XXXX and XXXX. Upon receipt of the dispute results on XX/XX/XXXX, I identified an erroneous update to my Citibank Best Buy account. The credit report inaccurately stated there were no records for XXXX and XX/XX/XXXX and incorrectly listed the account as charged off in XX/XX/XXXX. 

Actions Taken : XXXX. Initial Dispute : Filed on XX/XX/XXXX on XXXX, with substantial supporting documentation, including statements, yet the report on XX/XX/XXXX, showed no changes. 

XXXX. Escalation and Second Dispute : I escalated the matter by resubmitting the dispute via XXXX and directly contacting Best Buy 's credit department, confirming that my account was active and in good standing. Further evidence of timely payments was provided via the XXXX app during this second dispute. 

XXXX. Final Dispute : An updated credit report received on XX/XX/XXXX, via XXXX still reflected the inaccuracies. I filed an immediate subsequent dispute. 

XXXX. Communication with Best Buy : Despite multiple disputes, Best Buy issued a letter today stating no adjustments would be made, contradicting earlier verbal confirmations. Attached is their letter alongside evidence disputing their claim, including account statements and I am also willing to provide debit card statements of the transactions, if needed. 

Additional Information : On XX/XX/XXXX, I requested my XXXX statements and was promised a response within a specified period ( XXXX  days ), which has not yet been fulfilled.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting XXXXXXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX furnished an account that does not belong to me. When i reached out to get more information about the false report they threatened to sue me if they dont receive the funds to this account. Now I have reason to believe that this account was fraudulent and its impacting my consumer report and credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I filed a Ftc compliant to have these fraud items removed from my credit report It has been longer than 45 days and these Items are still on my credit report. If these items arent removed in 30 days I will be forced to file a claim in small claims court to seek litigation and damages. 
FTC Compliant # XXXX usps tracking XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

PROBLEM : Received 2 late payments charges of {$25.00} each ( one in XX/XX/XXXX and the other in XX/XX/XXXX ) from the same Payee. 

DETAILS : Recurring payment to the Payee were designated for BOH to send the payment on the XXXX of each month. 

Both payments were received after the due date of the XXXX of the month ISSUE : Unlike every major banking institution I've used, Bank of Hawaii Bill Pay " service '' does not provide a deliver by date field on their bill pay platform. BOH tasks their customers with calculating the correct date for BOH to send the the payment. The documents required for each customer to accurately determine the correct send by date are as follows : - A published list of all observed Bank holidays that specifically affect the bill payment process ( none can be found on their website ) - A comprehensive list of the policies of their bill process ( for instance, when a recurring payment send by date falls on a holiday or weekend, BOH, unlike all other banking institutions I've used, inexplicably sends the payment the day FOLLOWING the weekend or holiday instead of the day preceding ). This is nowhere to be found as well. This also requires that BOH provide continuous and timely notifications to their Bill Pay customers as any changes to the policies, holidays observed, etc. will require BOH Bill Pay customers to recalibrate ALL future recurring payments to ensure they have provided BOH with the right date. 

There is no indication on the bill pay platform as to when BOH confirms a particular payment will be received. 

Instead, BOH provides this apparently incorrect guidance on their website https : //www.boh.com/online-mobile/ebankoh : " **Payment must be scheduled at least five business days in advance of due date, not including grace periods. '' BOH does NOT go on to define what a " grace period '' is. 

STEPS I '' VE TAKEN TO ADDRESS THE LATE FEES : XX/XX/XXXX I sent an email to BOH Customer Service outlining the above and requested they credit the late fees back. 

Since that date I've received responses that simply tell me to plan in advance for payments and a refusal to to credit me for those late fees. 


SUMMARY : My stance is that BOH is placing an enormous and unnecessary burden on their customers to calculate the send by date for Bill Pay without providing the necessary documentation to accurately calculate the date.

BOH should be frontloading all their policies and requirements into the logic of their Bill Pay platform and calculating the send by date themselves.
Product: Money transfer, virtual currency, or money service

To whom it may concern : Below you will find a timeline of the events that occurred and the explanation for the files presented. We ask to please read through all of this and see the proof that we provided the product and service that was requested by XXXX XXXX. 

XX/XX/year> XXXX XXXX reached out to us to inquire about purchasing our product for his store in XXXX. We responded with pricing. 
He proceeded to give us the order confirmation as well as instructions on how he would like it shipped. He wanted us to use a specific shipper that he mentions in the email thread. Email thread is attached under file name " XXXX XXXX. '' XX/XX/year> We then reached out to XXXX desired shipping company to get quote and in which he provided to us with payment information. Email thread is attached under file name XXXX XXXX. 

XX/XX/year> We ask XXXX XXXX for a requote because XXXX increased his order. He provides requote same day. 

XX/XX/year> XXXX confirms that he received payment link sent through XXXX  to his email address. Originally he wanted to procees payment with credit card, but then switch to ACH transfer unbeknownst to us. 

XX/XX/year> Payment made by XXXX through the XXXX  XXXX, which he also confirmed in email thread. He paid the invoice through the link we sent him directly from XXXX. 

XX/XX/year> We made payment to the shipping company that was requested by XXXX XXXX via wire transfer to XXXX XXXX Account. ( see attached wire transfer file named Shipment Payment. ). If needed, we can also provide bank statements showing this transfer payment. 

XX/XX/year> - XXXX places two more orders, double the size. We ask his shipper for a quote and he gives it to us. We send XXXX the quickbooks link to pay and he pays immediately. 

XX/XX/year> First shipment was picked up from our warehouse - 22 boxes shipped in a pallet. 2nd order is paid to shipper via wire transfer ( see attached " 2nd shipment payment. '' ) XX/XX/year>- XXXX recalls the payment from the second order. We ask shipper to send us back money but he starts to ask us for XXXX gift card so that he can update his phone to send us back the money, which is a clear indication that this fraud. 

XX/XX/year> A claim is made by XXXX to have his first payment returned despite us having delivered on order, nearly TWO MONTHS LATER. 

In XXXX  Terms of Service it states the following : Section B.3. ACH or Credit Card Payment Authorization. You may pay the merchant via electronic fund transfer ( or ACH ) from a valid U.S. bank account or using a credit card. You must provide verifiable bank account information to pay the merchant via ACH. By using the Payment Service, you authorize XXXX to validate and debit your bank account or credit card for all invoice payments you initiate using the Payment Service. You understand that XXXX may not support all credit cards types or brands. 

He placed his banking information and agreed to these terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act.The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX 15 usc 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then seven years 15 usc 1681s-2 ( A ) ( 1 ) A person shall not furnish any information to a consumer to any consumer reporting agency if the person information is in fact inaccurate knows or reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is problematic. Dipsuted information still has no been removed, they refuse to provide credit score and report unless you pay ... which I did and still can't get resolution. XXXX/XXXX  is not a valid debt. XXXX has sent me validation of cancelation of policy, emails, proof of credit they owe me and STILL it is not removed as derogatory on my report. They also refuse to remove other accounts over 8 years old after many attempts and disputes. I'm sick of it. Fix this!! 

XXXX  needs to remove this items. 

XXXX  needs to confirm they have removed them.
Product: Credit reporting or other personal consumer reports

The recent changes in my credit report have left me feeling distressed, dissatisfied, and anxious. Despite always meeting payment deadlines, some accounts now show late payment remarks. I haven't missed any payments, and it's essential to resolve this matter promptly. I require your assistance to ensure that my credit report precisely reflects all on-time payments, maintaining its full accuracy.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am writing to disputed account and hard inquiries on my credit report that were made without my consent. According to section 604 of THE FAIR CREDIT REPORTING to section ( 15 U.S.C 168 1b ), there are specific permissible purposes for obtaining a credit report. I did not authorize the account and hard inquiries and can not find any permissible purpose under this section that justifies their presence on my credit report. PL DELETE ACCOUNT XXXX XXXX XXXX NUMBER XXXX " I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC Report Number : XXXX ) as additional support for this claim. This report reinforces my request for the removal of the account in question from my credit report, as it details the lack of proper validation for this account and the inadequate response from the credit bureau involved. ''
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Credit Report Dispute Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) Dear Sir/Madam, I am writing to formally dispute inaccurate information found in my credit report issued by XXXX, XXXX, and TransUnion. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I am exercising my rights to dispute and request verification of inaccurate, incomplete, or unverifiable information in my credit report. I hereby demand that these errors be investigated and corrected immediately. 

Upon reviewing my credit reports from the XXXX major credit bureaus, I have identified the following discrepancies : Personal Information : My address is reported inconsistently ( e.g., XXXX vs. XXXX ). As per FCRA 611 ( a ), I request an immediate correction to reflect my accurate address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
My employer information is inconsistent ; XXXX lists " XXXX, '' which is not present on other reports. Under FCRA 605 ( a ), I request this data be verified and corrected if found inaccurate. 
Account Information Discrepancies : XXXX XXXX XXXX ( Account Number : XXXX ) : Late payment reports differ across bureaus. My records show timely payments. Under FCRA 609, I request verification and removal of any inaccurate late payment entries. 
XXXX XXXX XXXX XXXX ( Account Number : XXXX ) : Various late payment counts are reported inconsistently. Under FCRA 623, I request an investigation and correction. 

Credit Account Balances and Limits : XXXX reports a loan debt of {$7500.00}, which is absent from my TransUnion report. Under FCRA 607 ( b ), please investigate and correct any discrepancies.

Pursuant to FCRA 611 ( a ) ( 1 ) ( A ), you are required to complete your investigation within 30 days and provide me with a written statement of the outcome. If the investigation determines the information to be inaccurate, please remove or correct the errors and provide me with an updated report. If verification can not be completed, I request the immediate removal of the disputed items from my report in accordance with FCRA 611 ( a ) ( 5 ).

Please consider this letter as my formal dispute and request for re-investigation. Failure to comply with my requests may result in further actions to protect my consumer rights under federal law. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

Sam 's Club is charging me a membership fee that I no longer wanted. I sent them an email regarding that I no longer wanted the membership that I closed my account and to please make note of it. I closed this account XX/XX/2023. They are continuously charging me for late fees and ruining my credit score. I had also called them and they had me file a dispute, which I did. I no longer wanted this membership because it was not worth us visiting Sams. We may have made XXXX visits to the store in a year XXXX?. I need this taken care of because no one seems to care!
Product: Mortgage

PHH Mortgage took over servicing my mortgage about four months ago and they keep cancelling my direct payment setup. They are claiming that my XXXX precludes me from making electronic payments. Yet, as explained to them, two previous servicing companies had no problem accepting electronic payments every month for the last eight years ( when the Ch XXXX was filed ). 

They are also claiming that my mortgage was part of the bankruptcy when in fact it was excluded, which was why I was making timely payments in the past. I explained that I have never been late on any payment and want to keep my property. 

They tried to tell me that all payments are voluntary, and I replied, of course they are and that's why I am making timely payments, and why I am volunteering to make electronic payments online so they are received consistently on a timely manner. 

Only one payment was declined by them, while the other payments have been accepted. That one payment was not late because I went online and immediately made the payment after receiving the rejected payment letter from them. 

Again, they rejected the payment and cancelled every online payment setup on their own discretion. I never authorized any kind of cancellation. I have every letter they sent me, and my XXXX XXXX goes up every time there is a letter in the mail from them. The letters always state, " per your request, '' which is a blatant lie. It makes no sense. I have no reason to cancel something I am trying to keep active. 

I suspect they are trying to force my loan into default to get rid of my HAMP loan they inherited. This is fraud, deceptive and illegal. 

Again, I have never been late, have always had EFT payments made on the first of the month with XXXX and XXXX without any issues or delays. The ONLY issues have been in the last four months since PHH took over servicing.
Product: Credit reporting or other personal consumer reports

I am a concerned consumer after looking at my credit report. I see many alarming mistakes with how you are reporting information about
Product: Mortgage

My husband was disable veteran he is diseased My Mortgage company had me in foreclosure stating I owed XXXX My son loan me the money we paid it plus a mortgage payment. 
We were told that was all I owed to reinstate the loan XXXX. I didn't have the customer service person that all I owed. In XXXX I completed a Mortgage Assistance Application for help with my mortgage. Instead I received a statement stating I owed XXXX I called PHH about this statement, The relationship manager states I have the term of the loan to pay back XXXX. He hasn't giving me a reason for payment after paying XXXX which I had to borrow from my son. I paid XXXX in XX/XX/2021 He didn't give me a reason for this charge..
Product: Credit card

I have had a Costco XXXX XXXX credit card for over 8 years and have always been on the automatic full payment method from my bank checking account. When Costco changed to Citi Visa credit cards I was issued a new Visa card. The first statement from Citi Visa is charging me {$72.00} interest and saying the previous balance was not paid in full. The statement ( attached ) shows a previous balance of {$4400.00} and a autopay payment of $ {$4300.00} leaving an unpaid balance of {$120.00}. Because I 've been enrolled in autopay for many years I do n't believe this is possible. I spoke with a representative at Citi Visa who acknowledged the previous payment and attempted to credit me for the interest charge but was " not authorized '' to do so. I asked to be transferred to someone who had that authority but was told I had to specify who I wanted to speak with - impossible since I do n't know anyone there! I asked for her supervisor and was told that a supervisor would call me within 24 hours. That was 4 days ago so I called again today. This representative said she was unable to do anything and would have a manager call me. I have no confidence in that and therefore I am filing this formal complaint.
Product: Credit reporting or other personal consumer reports

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