23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I applied for a loan, and I was approved by Upstart. I was told to confirm my banking account information by using a system that Upstart uses called XXXX. I logged into my banking account and Upstart notified me that my account had been approved. I was told that my loan money in the amount of {$5000.00} with a XXXX loan fee would be dispersed to my account within 1-3 business days. The disbursement date according to my portal on Upstart was XX/XX/2023. 
I never received the funds. I contacted Upstart and they told me they released the funds. However, it for some reason went to the wrong account. I was told an investigation would be conducted. I have NEVER received any feedback about the process or what's going on. It's now XX/XX/XXXX, and I have not received a dime. However, the loan is listed on my credit report. The portal shows active payments coming due for this loan... 
I have called and emailed several times with no assistance.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with 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 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 months that are reported late 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 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

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries that were reported on my credit report due to identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and pursuant to 15 U.S.C. 1681c-2 ( a ), victims of identity theft are entitled to have fraudulent accounts and inquiries blocked and deleted from their credit reports. I am a victim of a recent data breach, and I believe my personal information has been compromised. 
Please block and delete the following accounts from my credit report : Accounts : XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$2700.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$26000.00} Inquiries : XXXX. 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 XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX, XXXXXXXX XXXX XXXX responded to a CFPB complaint confirming they committed mortgage fraud by creating a New Loan in my name without my knowledge or consent. On XX/XX/XXXX, the loan history statement date XX/XX/XXXX indicated a NEW LOAN NO CASH effective XX/XX/XXXX. 

I never ever had a mortgage or signed any mortgage documents on XX/XX/XXXX with XXXXXXXX XXXX XXXXXXXX. XXXXXXXX XXXX XXXXXXXX is continuing its illegal servicing practices violating the Stipulated Agreement it signed on XX/XX/XXXX in the lawsuit CFPB XXXX XXXXXXXX XXXX XXXXXXXX.
Product: Credit card or prepaid card

I have no credit i just turned XXXX. But the system says i may have started an application for a credit card and i didnt for walmart capital one. She said they approved it and with the qrong birthday my birthday is XXXX that said XXXX and it was approved i want it closed. Nothing was used on it but its flagging me now while im tring to start making my credit good i cant now.
Product: Credit card

I've consistently ensured timely payments on this account, never letting them become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I got the credit alert that I have negative report by SWC.

I never opened any SWC or XXXX   account.

So I called XXXX  and SWC ( southwest credit system ).

SWC they couldnt find any of my info. even I let them know my full SSN ( They asked me ) Of course they dont have the record. I never owed money.

" looks like Mixed-record " thats what they said.

I checked SWC company reviews and reviewers are saying they never delete the record. ( even its not mine )
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Debt Notification and Request for Verification To Whom It May Concern, I am writing to dispute a debt that I have recently been made aware of. According to my records, I have not been notified of this debt, nor have I had the opportunity to dispute it. I am requesting that you investigate this matter thoroughly as it appears that my consumeedr rights have been violated.

Specifically, I am invoking the following regulations and laws that pertain to this dispute : 1. 12 CFR 1006.34 ( b ) ( 5 ) : I did not receive the required information regarding this debt, which should include my right to dispute the debt within 30 days. I request evidence that this information was provided to me in compliance with this regulation.

2. 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) : I did not receive proper notification of the debt, nor was I informed about my rights to dispute it. The lack of proper notification violates this specific provision, which mandates clear communication of my rights.

3. 12 CFR 1006.34 ( d ) : The collection agency 's actions appear to be using false, misleading, and deceptive means to collect this debt. Such practices are prohibited under this regulation, and I believe my consumer rights have been infringed upon.

4. 15 USC 1681-S 2 ( 7 ) ( A ) : The reporting of this debt to credit reporting agencies without proper notification and an opportunity for me to dispute it is a direct violation of this statute. This law mandates that creditors provide accurate and fair information to consumer reporting agencies, which has not been adhered to in this case.

I also request that you provide me with the certified mail receipt that includes my signature, indicating that I received notification of this debt. If you can not provide this, it will further support my claim that I was not properly notified.

I ask that you cease all collection activities and remove any negative entries related to this debt from my credit report until this matter is fully resolved. Please respond to this dispute within the time frame mandeted by law and confirm receipt of this letter.

Thank you for your prompt attention to this matter. I look forward to your resolution and clarification. 

Sincerely, XXXX XXXX
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 TransUnion 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  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXXXXXX  Nature of Complaint : I submitted a dispute to TransUnion 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 : I made the payment on time as confirmed by the bank statement attached.

A clerical error seems to have occurred in reporting the payment, as there is no record of any missed or delayed payment on my end. 
Additionally, the payment records from XXXX  XXXX do not reflect any past due amounts during the disputed time period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion 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 or other personal consumer reports

To Whom It May Concern, 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  violations of the Fair Credit Reporting Ac XXXX Noncompliance with 15 USC 1681e ( b ) - Failure to Maintain Maximum Accuracy : noncompliance. 
XXXX. Violation of 15 USC 1681ad ) ( 2 ) ( A ) i ) - Improper Reporting of Non-Reportable Transactions : Additionally, under 15 USC 1681ad ) ( 2 ) ( A ) ( i ), transactions or experiences between a consumer and creditor are not considered consumer reports unless authorized by the consumer. The late payment being reported stems from such a transaction and, as such, should not have been shared with any credit reporting agency. Your failure to obtain proper authorization for the dissemination of this information is a further violation of my rights under the FCRA. 
XXXX. Violation of 15 USC 6802 - Unauthorized Disclosure of Nonpublic Personal Information : Further, as a financial institution governed by 15 USC 6802 under the Gramm-Leach-Bliley Act, you are prohibited from disclosing nonpublic personal information to third parties without my express consent. 
Your unauthorized dissemination of this erroneous late payment represents a violation of my privacy rights, making you liable for any damages caused. 
Legal and Financial Consequences : Your ongoing failure to adhere to these legal mandates exposes you to serious penalties. Under 15 USC 1681n, you may be liable for statutory damages ranging from {$100.00} to {$1000.00} per violation for willfully violating the FCRA, in addition to actual damages I have suffered. Given the egregious nature of your noncompliance, I may also seek punitive damages to the full extent permitted by law, to punish and deter this willful misconduct. These punitive damages, combined with my actual damages for emotional distress, may be substantial.

The emotional distress, mental anguish, and financial harm caused by your disregard for accuracy in reporting have been significant. The persistent erroneous reporting has impeded my ability to secure XXXX XXXX XXXX XXXX  XXXX XXXX to XXXX XXXXXXXX XXXX XXXX XXXX XXXX Immediate Action Required : To avoid further escalation, I demand that : XXXX. You immediately cease reporting the inaccurate late payment to XXXX, XXXX, and XXXX. 
XXXX. You remove the erroneous information from my credit file across all major credit reporting agencies. 
XXXX. You provide written confirmation of the removal within XXXX  days of receiving this letter. 
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 I trust that you will take the necessary steps to rectify this matter and prevent the need for further legal action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Va XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to the inaccurate and misleading reporting practices by [ Creditors Name, e.g., XXXX XXXX XXXX ] concerning an auto loan that has been marked as a Charge-Off and categorized as a Profit and Loss Write-Off while still showing an outstanding balance of {$17000.00}. This reporting has significantly impacted my credit score and creates confusion regarding the actual status of the debt. Multiple federal laws appear to have been violated in this process. 

1. Inaccurate and Misleading Reporting FCRA Violation Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), creditors are required to report accurate and complete information to credit bureaus. In this case : The account is reported as both a Profit and Loss Write-Off and as having an active balance, creating a misleading representation of the account status.

FCRA Section 605 ( a ) limits the reporting of charge-offs to 7 years from the original delinquency date. Any attempt to " re-age '' the debt to extend its negative impact violates this provision.

2. Failure to Issue 1099-C IRS Violation Under IRS Regulation 6050P, a lender is required to issue a 1099-C ( Cancellation of Debt ) when {$600.00} or more has been canceled or forgiven. The reporting of a Profit and Loss Write-Off suggests the creditor has considered the debt as canceled for tax purposes, yet no 1099-C has been issued. This creates ambiguity over the debt 's legal status and violates IRS reporting requirements.

3. False or Misleading Collection Practices FDCPA Violation If the lender continues to pursue collection after marking the debt as a Profit and Loss Write-Off, this could violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false or misleading representations in the collection of debts. Reporting the debt as " written off '' while still treating it as active for collection purposes is inherently deceptive.

4. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) CFPB Standards The conflicting reporting of the account status constitutes an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) under CFPB guidelines. This inaccurate information negatively impacts my credit profile and misleads potential lenders regarding my creditworthiness.

5. Failure to Investigate and Correct Disputed Information FCRA Section 611 Upon identifying the discrepancies, I requested clarification regarding the charge-off status and whether a 1099-C had been filed. The creditor failed to provide adequate documentation or correct the misleading information. Under FCRA Section 611 ( 15 U.S.C. 1681i ), creditors and credit bureaus are required to conduct a reasonable investigation into disputes and correct any inaccuracies.

-- - Requested Resolution : Immediate correction of the credit report to accurately reflect the account status.

Issuance of a 1099-C if the debt has been officially canceled.

Removal of the misleading Profit and Loss Write-Off if the debt remains active and collectible. 

Full compliance with FCRA, FDCPA, IRS regulations, and CFPB standards.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX  XX/XX/23 XXXX XX/XX/23 XXXX XX/XX/23 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX XXXX XXXX Account number : XXXX. Remove this account because you are reporting a 90 day late on XX/XX/XXXX with the date of last activity being XX/XX/XXXX while Experian states the date of activity being XX/XX/XXXX Furthermore this vehicle was deemed a total loss by more insurance in XXXX of XXXX and I surrendered the vehicle to insurance the same month. I was not in charge of making the payments from the XXXX forward I have proof that it was totaled As attached XXXX Number : Date of Loss : Insured Name : XXXX XX/XX/XXXX XXXX PM XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Dear XXXX : I am still investigating the above captioned incident. Betore I am able to bring this matter to a conclusion I need the followin. 
Your total loss settlement. 
intend to conclude this matter as soon as dossiole. 
If you have any questions, I can be reached at XXXX XXXX XXXX
Product: Mortgage

We have repeatedly reached out to the company for what should be two very simple questions. We are asking about a document that appears to show two reverse mortgages and for them to verify which mortgage is active and which one is not. We have also asked how we provide consent for someone else to speak about our account. We have been asking for this information for WEEKS. I emailed them last Friday XX/XX/XXXX requesting the information again and told them I would file a complaint if they continued not to answer, and they STILL could not be bothered. 

Below is the history of requests that were made : XX/XX/XXXX requested information on how to provide consent for someone else besides to borrower to speak with you. Received an automatic reply on XX/XX/XXXX stating the email/documents was received NO ANSWER XX/XX/XXXX second request about consent. NO ANSWER XX/XX/XXXX asked through email about what appears to show to second reverse mortgage. Received an email the same day asking for the information in writing. 

XX/XX/XXXX emailed the information requested on XX/XX/XXXX. Received an automatic replay stating the email/documents were received NO ANSWER XX/XX/XXXX sent an email with COMPLIANT in the subject line that Compu-Link was not responding. Reattached the information from XX/XX/XXXX NO ANSWER XX/XX/XXXX - sent the email referenced above. 

We want answers to our questions and it's pathetic that we must go through the CFPB to get them. The is frustrating and unacceptable that they can not be bothered to answer. Their service is terrible - shame on them. 

Please note we have attached the letter with our request and the document that shows the mortgage assignments to this compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have reached out to Transunion to dispute inquiries on my report that were not authorized by myself. I sent a letter certified mail on XX/XX/XXXX. 

After 3 weeks of not hearing from them on status of my dispute on these inquiries, I decided to call and inquire on the status of these disputes. 

They advised that they could not remove these inquiries although I confirmed with them that they were fraud and clearly my profile is being accessed without my knowledgede or authorization. 

In an attempt to obtain a letter of deletion from the creditors : Syncb/paypal XX/XX/XXXX ( XXXX XXXX  CONFIRMED SUBMISSION FOR DELETION to CREDIT BUREAU ) XXXX XX/XX/XXXX ( REMOVED DUE TO FRAUD ) XXXX  XX/XX/XXXX XXXX XXXX XXXX  CAN NOT LOCATE THIS INQUIRY BECAUSE IT DOES NOT LIST THE MERCHANT NAME. I ASKED TRANSUNION TO PROVIDE THE MERCHANT NAME SO THAT XXXX XXXX  CAN FURTHER ASSIST. TRANSUNION DOES NOT HAVE ANY OTHER INFORMATION ON WHO ACCESSED MY FILE, OTHER THAN IT SAYING " XXXX  '' ) XXXX  XX/XX/XXXX ( REMOVED DUE TO FRAUD ) XXXX/XXXX-XXXX  XX/XX/XXXX ( REMAINS ON REPORT - THIS IS FRAUD AND I DON'T KNOW WHO THIS CREDITOR IS. ) XXXX XX/XX/XXXX. ( THIS IS FRAUD ) In an attempt to better protect my private information, I have since place a fraud alert on my account and locked my files with XXXX. By end of month, I plan to have credit file locked with all three credit bureaus. 

Please help Transunion resolve these issues as I am not getting anywhere with them. 

Thank you!
Product: Credit card

I pay all balance the first of every month. I live on the XXXX the bank is on the XXXX ( 3 hours ahead ). The payment was posted the next day. I incurred a late charge. When I called to address it, I was told there is no grace period. I believe there was a {$40.00} late fee for a {$22.00} balance. I continued to call and try to resolve the issue. Some of the calls I was told the matter was resolved. More interest/finance charges on the next invoice. At one time I paid the {$48.00} asked for and the same amount showed up on the next invoice. As of this writing the amount is {$210.00} due on XX/XX/XXXX. If not paid more charges will be applied and will continue until it's paid. I severed my relationship with the company XX/XX/XXXX. Instead of this bank sending my complaint to dispute dept, they decided to attack my credit rating. My FICO is over XXXX because I pay my bills. I am willing to pay again the first late fee. I am not willing to let institutions extort money from me. I hope you can help me. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX finished my college education in XXXX. I took 11 student loans that were satisfied in full. Therefore, I never signed for a student after XXXX. I have attached a copy of each satisfied student loans. My problem now is that my ex-wife at one time added me as a person of interest to pay on her student loans that were serviced by Nelnet Loan Services. My divorce decree never had a stipulation that I would be responsible for her student loans, totaling {$63000.00}. I request the immediate removal of these accounts from XXXX XXXX and XXXX XXXX respectfully. Nelnet may be inclined to even send to me copies of all signature pages for these loans, which will prove that I am not a responsible party. Accordingly, I request a quick review of these accounts and their permanent deletion on all pertinent credit reporting agencies. Thank you for your cooperation. 
XXXX XXXX