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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, Re : Dispute of Inaccurate Information and Late Payments on OPEN Account I am writing to dispute the inaccurate information reported on my credit report for the following OPEN account : - Account Name : XXXX - Account Number XXXX XXXX XXXX reports the account was paid as agreed, with a 100 % on-time payment history. However, XXXX and TransUnion report XXXX payment, which is inaccurate. Despite multiple disputes ( over 1 times ), the error persist. 
I request your assistance in resolving this matter. The FCRA requires accurate reporting, and I demand correction. 

Please investigate and take appropriate action to correct this error. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

Bank of America has not provided me with original copies of their XXXX XXXX, 2016 correspondence addressed to me. This is not the way to conduct business during the modification, loss mitigation and workout processes. I want original written communications from Bank of America at all times, not a copy of a faxed version of an original written document which is what I got.
Product: Debt collection

I had contacted American Adjustment Bureau several times to no avail. I then call XXXX  and they call American Adjustment stating the bill was paid as established through the contract between XXXX , XXXX and XXXX Hospital. They have received documentation from both XXXX Hospital and XXXX showing the bill was paid in accordance within XXXX guidelines. I received a phone call admitting they were wrong but still have not removed the delinquent account from my credit report I think there should be an investigation on their conduct. They could tell early on this was a mistake by XXXX Hospital
Product: Vehicle loan or lease

This company abandonment of interest in the car. The lending company still didn't provided no statements since XX/XX/2018 to present. The company lock me out of the account, they stated do to status of account. I mailed a check and they return my check ( XXXX, XXXX and XX/XX/2018 ). I sent the money order XX/XX/2018 and they return it. They never accept money orders or checks as stated in there XXXX   report. I ( VOLUNTARY SURRENDER ) the car. They still report it as open. They never updated. The balance never was reduce for being surrender.
Product: Debt collection

I sent first letter of dispute on XX/XX/2023 to Experian and XXXX for the amount {$2200.00}, asking them to validate the debt that they stated that is mine, they responded via there web portal stating that the debt was validated with no proof of the amount of the debt, the name of the creditor to whom the debt is owed, proof of the contract, proof of signature, account history and last payment made on the account. 

I sent out the second letter to both Experian and XXXX on XX/XX/2023 telling them that they did not validate the date and they send me a copy of a bill with no signature. They are still telling me that the debt was validated which it was not. 

Both Experian and XXXX has breach my information which allowed my personal information to be exposed to hackers.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX AND DEPT OF EDUCATION/XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 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 AND DEPT OF EDUCATIONXXXX 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

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I did refinance my mortgage with Ditech company. My first payment had to start on XXXX/XXXX/16. 
Company had offered free electronic payment on their site. It was very convenient and I did scheduled payment of {$760.00}. XXXX on line by connecting with my XXXX checking account. 
It pass 2 days after my payment scheduling, and I received confirmation from Ditech that my payment went through. When I did check my banking statement I did not see any money were taken from my account. I did make a call to Ditech customer service and addressed the issue. 
Answer was that everything is OK and they have my money. My question was how they do have my money if it is not taken from my account? after time I did another calls, trying to get strait this issue, but it was not successful. ( after 2 months they put that they do reverse my payment of {$770.00} ). I do not understand how they did reverse something, that they never took. 
Still, I knew that have to make a payment for XXXX, and I did it {$800.00} by check, which was paid by XXXX from my checking account. For month XXXX I did the same way another {$800.00}. Money were taken from my account and I have confirmation that checks were deposed by Ditech. 
After that I did XXXX payments directly by my personal checks the same amount for XXXX, and XXXX. ( From Ditech respond was that they have my personal check ). 
One month ago it was on XXXX XXXX, I received a call, and letter from collector that I am late with my payment. My respond was that I am on time with payment. Customer service representative tried to explain me that 2 payment one for XXXX and second for XXXX were returned to my account. I told that it is not true, I do not see any money to be deposed to my account. They ask me to sent all my information from my bank statement which I did. 
I continue to pay my mortgage on time. 2 days before I dd received another letter that I am behind the payment. I do repeat all information, trying to explain what happen, I am tired. 
Look like nobody takes any action to get straight my account, and my payments. 
I am sorry about refinancing with them, I had to go on internet and to read consumers review about the company, ( there are many complaints more than XXXX about the company ) but now is too late. 
I had with them mortgage before refinance, and I did not have any problems. I did refinancing for fixed inters rate.
Product: Money transfer, virtual currency, or money service

The Albert savings app refuses to allow me to withdraw the small amount of money in my savings because the account linked is closed. The account associated with Albert was closed earlier this year. I linked a new XXXX account AND signed up for an Albert Mastercard in an attempt to withdraw my funds. The agent still stated I need to provide bank statements and reconnect a bank account that no longer exists to withdraw from savings. Albert needs to allow for me to withdraw these funds and have them routed to another account.
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. 

Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$0.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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  XX/XX/XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. IT HAS BEEN WELL OVER 30 DAYS AND I HAVEN'T RECEIVED ANY RESULTS
Product: Debt collection

ONLINE Information Services XXXX ONLINE Collections has reported a collection debt under my name and home address for an energy bill on behalf of XXXX XXXX. I have filed a XXXX  complaint against XXXX XXXX. 

I have attempted to resolve this with each of these companies to no avail or assistance on their part : 1 ) the home address referenced in the debt collection ( my home ) can only be serviced by XXXX XXXX XXXX XXXX  for gas energy, and XXXX for electricity services. There are XXXX options to use other companies for service such as XXXX XXXX. 2 ) I reported to them that there is identify theft with the use of my name and address. 3 ) Furthermore the address XXXX XXXX reported on the debt is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, an address I have never lived at, never lived in Texas and have lived in California all of my life. 4 ) ONLINE collections XXXX ONLINE Information Service has fraudulently transferred a collection debt to a consumer in XXXX in spite of receiving the XXXX XXXX from the original debt collector. ONLINE repeatedly lied and repeatedly reported the debt with false information that they verified my address and name with the reporting debt agency. They knowingly perpetrated fraud against me, and probably all consumers with the name XXXX XXXX across the country to collect funds from consumers fraudulently. 

Both companies continue to report these fraudulent charges to my credit reports. Both companies need to make corrections on my credit report. 

ONLINE Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( ONLINE Collections is not listed on the XXXX XXXX which is why I am filing the complaint with your agency ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is listed in the XXXX XXXX  and I have filed a complaint against them with XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i've recently checked my credit report and noticed some inaccurate reporting. 


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

On XX/XX/2018, I received a Visa/Debit card by mail. It is identified as being a XXXX Spending Account Card. The paperwork shows the card to have been issued by UMB Bank. This card was not requested, not wanted, and I had no knowledge of his account before the card arrived by mail. 

On XX/XX/2018, I called UMB Bank at the number provided, XXXX. They refused to provide any assistance unless I give my full Social Security Number. Already suspecting fraud, I did not give any part of my SSN but insisted that they find the account by my name or the credit card number. They declined to offer further assistance, but said the account must have been opened by my current of previous employer. My current employer confirmed that they had no part in it, and its been 18 months since I worked for my previous employer. 

On XX/XX/2018, I called UMB Bank again and spoke to XXXX. He refused to provide any information about the account, but suggested that I call XXXX. When I called the number suggested, I spoke to XXXX who said that she was with XXXX, the payroll company. When I explained the situation, she immediately assumed that I would not want to give my SSN and she found the account by my name. But she had no information about why the account was opened, except that it appeared to her to be a spending account, perhaps an XXXX. ( Ive never had an XXXX account. ) Still, she could not say who requested or authorized the account to be opened in my name. 

My credit reports have been frozen with each of the three credit agencies since before this card arrived. In the meantime, I have an unwanted card opened in my name with no explanation and no ability to close it.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that the account in question was opened using my identity without my knowledge or consent. This is a clear case of unauthorized and fraudulent activity. I did not authorize, nor was I aware of, any actions related to the creation of this account. The use of my personal information in this manner is a violation of my privacy and security.
Product: Vehicle loan or lease

I am writing to report Mercedes Benz Financial collection practices. I have received 9 calls between XXXX, and often within XXXX minutes of the previous call, for a payment that is XXXX  days past due. These calls start daily at XXXX and each one leaves a lengthy message. The constant calls coming in are during my workday and have become disruptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1200.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit card or prepaid card

I can not speak to anyone in the risk department to clear my account of the suspected fraud hold to get a replacement card. I have been trying for 3 weeks wakong up at 5 every morning. No progress. I'm having to take out payday loans and apply for food stamps. I'm hungry. My phones getting shut off. I need help
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX. 

3. Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. I request that my previoous address be updated accordingly. 

3. Employers : My current employer is XXXX XXXX XXXX XXXX please I request that be updated as my primary employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, {$0.00}, LEXISNEXIS - DOCUMENTS ATTACHED Both addresses ARE inaccurate AND unverifiable! 

Consumer law states that you must provide accurate information to a consumer. 

Reinvestigate and provided proof that my previous address was XXXX XXXX XXXX, XXXX, XXXX or XXXX XXXX Letters with different address attached. 

C.F.P.B agent Lexisnexis states in both letters that they matched the addresses with XXXX, XXXX and XXXX to confirm a bankruptcy. 

Theses addresses have never appeared on my credit reports. 

The address is inaccurate or unverifiable information!!!!!!!!!!!!!!!!!!!!!!!!!! 

Refer your companies obligations to consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall The address is inaccurate or unverifiable information ; and ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing this complaint regarding inaccurate information on my credit report related to my Prosper account number : XXXX At the beginning of this year, I reviewed my credit reports from all three major credit reporting agencies ( CRAs ) and discovered several inaccuracies concerning this account. These inaccuracies include : 1. Incorrect last date verified, last date reported, account rating, and creditor type information.

2. Discrepancies in the two-year payment history across the three CRAs. Specifically : * One agency reported a late payment in XXXX. 
* Another reported a late payment in XXXX. 
* The third reported a late payment in XXXX. 
I was not late on any of these occasions.

Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum accuracy of information in consumer reports. These inaccuracies demonstrate a failure to meet this standard.

In addition, I initiated disputes with the credit reporting agencies regarding these errors. Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the agencies are required to reinvestigate and provide a response within 30 days. Despite this obligation, I have not received any response or resolution.

I have since paid this account in full, and as someone with a history of flawless credit, I am deeply concerned about the harm these inaccuracies could cause to my credit standing.

Resolution Requested : I request immediate correction of all inaccuracies related to my Prosper account, removal of any late payment notations, and confirmation that my dispute has been resolved in compliance with the FCRA. 
Thank you for your assistance in addressing this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

I am writing to formally file a complaint against Sarma Collections , Inc., located at XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, for violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically USC 1692c, in relation to an alleged debt concerning a credit card account with XXXX XXXX XXXX. 
Details of the Violation : Creditor : XXXX XXXX XXXX  XXXX : {$38000.00} Collection Agency : Sarma Collections , Inc . 
Account Number : XXXX Description of the Violation : Sarma Collections , Inc. has engaged in practices that violate USC 1692c , which governs communication in connection with debt collection. Specifically, they have : Communicated with me at an inconvenient time or place, despite being informed that such communication is not acceptable. 

Continued communication after receiving written notice that I refuse to pay the debt or wish to cease further communication. 

Disclosed information about my debt to third parties without my consent. 
These actions are not only harassing and abusive but are also in clear violation of federal law designed to protect consumers from unfair debt collection practices.