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 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/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by 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 Already Made Before Due Date : The payments were made before the due date. I have provided bank statements and payment confirmation receipts that clearly show my payments were processed well before the due date and should not have been marked as late. 
Clerical Error at XXXX 's End : There was a clerical mistake where XXXX incorrectly reported my account as late, despite confirming that my payment was received on time. I have attached communication with XXXX acknowledging that the late reporting was due to a system error, and that the payment was processed correctly. 
Incorrect Reporting Due to Closed Account : My account with XXXX was closed by the creditor, which further complicates the reporting of late payments after the closure. This account should not have reflected any late payments beyond the closure date, and I have attached the account closure confirmation from XXXX as evidence. 

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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed a {$300.00} collection from medical on my report, based on the new guidelines that medical claims less than {$500.00} would be removed from credit reports. Experian has denied the removal, and simply updated the reported date to the dispute date, thereby extending the 7 year mark.
Product: Debt collection

Credit management LP was contacted on XX/XX/2021 to provide verification and validation of the alleged debt. On XX/XX/2021, Credit management failed to validate the debt, and reported the alleged debt under dispute as valid on my credit report. The credit collection agency failed to legally cease collection efforts, and remove negative items placed on my consumer credit report. On XX/XX/2021, a second notice to cease any activity on my report, and delete invalidated debt was sent. However, Credit management LP failed to comply, resulting in violation of The Fair Debt Collection Practices Act ( FDCPA ).
Product: Debt collection

To further strengthen your formal dispute letter regarding the alleged debt with XXXX XXXX XXXX XXXX and to incorporate more specific legal references that could have been violated, here is an updated version of the letter : **Subject : Formal Dispute of Alleged Debt** **To Whom It May Concern at XXXX XXXX XXXX  XXXX, ** I am writing to formally challenge the validity of an alleged debt listed under my account, as detailed below, and to assert my rights under several pertinent laws and regulations that appear to have been contravened in this matter. 

**Details of Disputed Account : ** - **Date Opened** : XX/XX/XXXX - **Reported Status** : Collection account, {$770.00} past due as of XX/XX/XXXX **Legal Concerns and Violations : ** XXXX. **Fair Debt Collection Practices Act ( FDCPA ) ** : This act requires that debt collectors provide debt validation upon a consumers request and prohibits the collection of any debt not fully verified. The lack of initial communication about the debt 's origination and continued collection efforts without providing validation contravenes this law. 

2. **Fair Credit Reporting Act ( FCRA ) ** : Under the FCRA, any furnisher of information to credit reporting agencies is required to ensure that the information provided is accurate. Since the debt in question is disputed and lacks verification, reporting it as delinquent violates this requirement.

3. **Consumer Financial Protection Bureau ( CFPB ) Regulations** : The CFPB enforces several regulations aimed at protecting consumers, including : - **Regulation V** which requires furnishers of credit information to have reasonable policies and procedures in place to ensure the accuracy and integrity of reported data.

- **Regulation F**, which provides guidelines on fair debt collection practices and mirrors many of the protections found in the FDCPA.

**Requested Actions : ** - **Immediate Cessation of Collection Attempts** : All collection activities related to this account must be halted until thorough verification is provided. 
- **Verification of Debt** : Please furnish detailed documentation validating the debt, including the original creditors information, any agreements associated with the account, and a full accounting of the amount claimed. 
- **Investigation and Correction of Credit Reporting** : If this debt has been inaccurately reported to any credit bureaus, I request immediate action to correct this information and a written confirmation of these corrections.

**Previous Actions Taken : ** - Extensive review of personal records and financial accounts confirming that no agreement or acknowledgment of such debt has ever been made by me.

- No prior notices or documents related to this debt were received before its unwarranted appearance on financial statements and credit reports. 

**Conclusion : ** Given the potential implications of this issue on my financial standing, I request your prompt attention to this matter. Please communicate with me directly through the provided contact information with updates on the actions you are taking to resolve this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion have an address on my report that doesn't belong to me. They refuse to investigate/ and remove the address. XXXX XXXX XXXX XXXX, XXXX TN XXXX. If the agency check with that apartment complex, they will realize an apartment was never in my name. The agency is violating my civil rights. By refusing to provide me my credit report. 

Also I paid off the old utility bill I had with XXXX XXXX XXXX & XXXX, address XXXX XXXX XXXX  XXXX TN XXXX. I have a new account with XXXX XXXX XXXX XXXX XXXX I sent them a copy of my new utility bill. I sent my updated driver 's license, the lease with XXXX XXXX XXXX TN XXXX. I've contacted all three agencies. I'm refused my credit report. I'm deprived of credit as a result. 

I learned in 2018 that someone have created two different Federal Identification numbers on me. Someone is using my personal information as though I have a business.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : The goal in the headline of the letter is always to setup a situation where the burden of proof relies on the consumer reporting agency ( Credit Bureau ). You do not want to make a specific claim about a specific account in the first-round investigation request letter. The reasoning for this is called XXXX XXXX XXXX. Making a claim of Not Mine or Never had account when the account is yours invalidates the claim if it is in fact yours. Write as if you are a consumer without the XXXX XXXX in this round to prevent it being misinterpreted as coming from a credit repair company. 
You cant go wrong with quoting 15 U.S.C. Sec. 1681i, since it is very broad and covers Procedures in case of disputed accuracy. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) covers the general investigation overview, the extension of the period to reinvestigate, and the limitations on extension of the period to investigate, while 1681i ( a ) ( 2 ) covers the promptness in how the bureaus must handle the notifications. 1681i ( a ) ( 3 ) covers if and how the bureaus can determine if a dispute is frivolous or irrelevant, all the way to 1681i ( f ) ( 3 ) where it governs how a CRA notifies a consumer through a reseller ( XXXX XXXX ) ( XXXX ) and others who furnish third party disputes free of charge, etc. 

Collection Account : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I have sent certified letters with tracking information to XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX requesting validation of the 'charge off ' that is listed on my credit reports for {$1900.00} regarding account # XXXX. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX. XXXX XXXX has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 


Additionally, XXXX XXXX has also not provided a sentence on my credit report WITHIN XXXX CALENDAR DAYS from my first certified letter dated XX/XX/XXXX requesting that I am disputing the negative item in question
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I added XXXX to my cashapp to send to a friend as I was hittng Pay, it kept giving me a decline. By that time I go back to look at the balance and it had been paid to something called XXXX. Do I disputed it through cashapp to let them know I didn't authorize this trans and cashapp stated they can't dispute a XXXX and I then but I didn't initiate the trans and didn't know what a XXXX was. I was told to dispute it through my bank which my bank denied also due to it being used on cashapp.
Product: Credit reporting or other personal consumer reports

I am writing to complain to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/1974. The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting or other personal consumer reports

I believe your actionsor lack thereofconstitute. 

Your personnel 's inability to communicate effectively in clear XXXX and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity. 

I demand an immediate investigation and resolution of my dispute, as well as a written confirmation of corrective actions taken. If this issue remains unresolved, I will consider escalating the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Georgia Attorney General XXXX XXXX, and pursuing legal action under applicable state and federal laws. 

I look forward to your prompt attention to this matter and expect a response within 15 days of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score has been consistently fluctuating by large numbers ( up to XXXX points at a time ) since XXXX of 2020. My Transunion report states that my Federal Student Loan balance ( Serviced by XXXX XXXX XXXX has increased by upwards of {$2500.00} and the following month decreased by the same amount which shouldn't happen due to the fact that my student loan payment comes out of my payroll and is matched by my employer. Transunion has decreased my score by XXXX - XXXX points everytime XXXX has reported my balance increasing ( which is inaccurate because my balance hasn't increased and i've never had a late payment ) but when XXXX reports my balance decreasing, the points are not given back. My credit score SHOULD NOT BE FLUCTUATING due to my student loans. I have contacted both Transunion and XXXX. 

Transunion - When i contacted the company, i received THE WORST CUSTOMER SERVICE i have EVER experienced. That is saying a lot, considering i have been employed in customer service and loan servicing industry my entire adult life. Not only was the agent rude and combative, but he then explained that there was absolutely nothing he could do for me. When i asked to speak to his supervisor, i was placed on hold for 5 HOURS! Unbelievable! Unacceptable! 

XXXX - The customer service agent was very nice and helpful but i was told that there seems to be nothing wrong with my account and he didnt understand why i was being negatively reported. 

This situation is in direct violation of UDAPP and FCRA guidelines. I have been dealing with this issue for 8 months and, quite frankly, i don't understand where the issue lies. I need this issue to be resolved as it is adversely affecting my ability to live in today 's society as a single individual. Please help me.
Product: Debt collection

Received phone call from XXXX, a company called XXXX regarding an alledged debt I owe to their client. Claiming I owe for a payday loan? I do n't and have n't used any payday loan company ever. Thank you.
Product: Credit reporting

On XXXX/XXXX/2016 I discovered negative credit item and account number had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. ''
Product: Mortgage

Select Portfolio Services and XXXX XXXX XXXX XXXX Firm We lost our home due bankruptcy fraud by the lender ( debt collector ) SPS. 
We failed our Chapter XXXX bankruptcy Case # XXXX scheduled on XXXX XX/XX/2019 and was denied an " Opposition of Hearing '' by XXXX XXXX XXXX lawyer , XXXX XXXX XXXX retained by SPS by mail on the day of our court hearing, not certified mail. 
XXXX XXXX XXXX lawyer presented falsified documents to the court such as robo-signed by XXXX XXXX XXXX XXXX XXXX XXXX of MERS on behalf of XXXX XXXX the Trustee . 
We learned after the fact that this is common practice of XXXX XXXX XXXX XXXX XXXX, violating the Penal Code 115-PC. 
We are hoping to reopen our case to recover damages. We are both are seniors XXXX and XXXX years of age.
Product: Debt collection

While renting at XXXX XXXX XXXX XXXX for over 2.5 years, we decided to buy our own house and we acquired the property last XX/XX/2020. 
But before we start shopping for houses, we considered our rental duty which is renewed yearly every XX/XX/XXXX. 
We consulted the apartment management AHEAD, what shall we do to avoid paying the rest of the yearly contract in case we move earlier than XX/XX/XXXX. 
As we agreed upon if we can look for tenants that will replace us we will be free of liabilities. 
Even we found the tenants that replaced us quickly, I still pay rent for XX/XX/XXXX to give us time for moving and cleaning the apartment because I was hoping they will refund my {$1000.00} deposit. 
Instead of refunding my deposit, when new tenants moved, this XXXX charging me to pay the XXXX and XXXX, which breaking our verbal agreement. 
They threatened me to be sued, put in court. 
I refused, reasoning that if I paid XXXX and XXXX they are earning double because I found the tenant for them currently renting. 
So they went back last XXXX by using a debt collector Evergreen Professional Recoveries, fabricating other issues of damages because I didn't buy the 1st charges they are trying to collect. 
Suspiciously, they never asked for it from the very first, what they charging me is for 2months rent instead. Since I never agree they invented these lately.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and Experian XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for 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 This has cause me great XXXX, stress, and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint with the Consumer Financial Protection Bureaus website to get assistance in correcting this information and Trans Union added more fraudulent addresses for out of state. Now I am submitting an additional complaint and hope this can be expedited so that I can be done once and for all with this. On XX/XX/XXXX I paid {$20.00} for a certified letter to Trans Union containing a signed and notarized document, notary certificate and a Identity Theft Affidavit. On XX/XX/XXXX I received confirmation that Trans Union received my certified letter and it's contents. As of XX/XX/XXXX, I paid the credit monitoring website, XXXX a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Trans Union is still on my credit report. There are fraudulent/invalid addresses which are not mine. I have lived at my current residence in XXXX, Ca for over 10 years ( Since XX/XX/XXXX) and I have never lived out of state. On XX/XX/XXXX, I paid an additional {$24.00} to my credit monitoring account to refresh all three bureaus and noticed Trans Union added more out of state fraudulent accounts and an unauthorized inquiry also. I contacted Trans Union directly and they advised they were unable to help with anything at this time. The level of professionalism was unacceptable as a consumer and now I am writing to the CFPB for assistance once again.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX I saw on my Equifax, XXXX and XXXX credit bureau accounts that I had an account that was sent in to collections. It is stated that I had an account with the XXXX XXXX XXXX XXXX which was sent into collection and the amount owed was {$2100.00}. Now I never attended the XXXX XXXX XXXX XXXX or applied to go to such a university and thus I don't owe them any money. 
I live at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and attend the XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) and I will attach documents to prove this.
Product: Credit reporting or other personal consumer reports

Random reports are on my credit that was reported from people who ran my credit without my permission & I want all of these inquiry accounts disputed from each credit bureau, all of the dates is ( these were all put on my credit without my consent ) 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
Product: Credit card or prepaid card

I was reviewing my finances with my friend who pointed out this discrepancy with my account. I was not aware that my account was set up in this manner as I never authorized such. We initially contacted the Wells Fargo customer service line on XX/XX/2019, and made a complaint via the phone. After a long hold, we were advised by the customer service representative that they had wrongly attached the Wells Fargo Visa to my personal account to cover overdrafts. I advised that I wanted all the funds reimbursed over the amount of the actual overdrafts and any interest to be placed a 0 % until we had an opportunity to fully resolve the matter and all costs. A few days later, I noticed that a partial reimbursement of the most recent overdraft charges had been credited to my account in the amount of approximately {$510.00}. Still pending are numerous overdraft charges applied in previous years as stated above for the same identical fees in the amount of {$300.00} per occurrence, although the overdraft could have been for a few dollars. As such, on XX/XX/2019, I visited the local Wells Fargo branch and met with XXXX XXXX, Personal Banker, XXXX, XXXX. I filed a grievance with Mr. XXXX at that time. The Wells Fargo reference number for this research is XXXX.
Product: Mortgage

refer to complaint XXXX : Rushmore 's response that a payment plan agreement was mailed to me in XXXX is a lie ; also, Rushmore 's contention that I received a call in XXXX regarding the " rest upon agreed money '' is also a lie. They record phone calls ; I want a copy of the recording. I also want to see evidence of the " signed '' payment plan agreement!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not removed the XXXX account despite it being past the eligible reporting date. The account had a date of XX/XX/2021 removal and it was not removed. I could not dispute it on the Experian website because I have disputed it before.
Product: Credit reporting, credit repair services, or other personal consumer reports

My application for an apartment was denied by XXXX XXXX when i asked why, they forwarded a credit report they obtained from XXXX. The report shows multiple addresses ( XXXX ) XXXX XXXX XXXX B, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX AK XXXX. 
XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, PA XXXX which is completely inaccurate.I have never lived or have any address outside the state of Oregon. 
Also, an opened XXXX XXXX XXXX account with current balance of {$1800.00} in delinquency and over 90 days past due of {$430.00}. Surprisingly, I have never applied for any account or credit with XXXX XXXX XXXX.This really got me worried and frustrated. It dawn on me that my information has been compromised and that I 'm a victim of an identity thief. I went junk mails received to date found letters from XXXX XXXX, and XXXX XXXX XXXXXXXX with ref # XXXX. I contacted XXXX and XXXX XXXX XXXX disputing their report which is hurting me seriously, also filed a police report with case # XXXX.