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

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on My Credit File Dear CFPB, I am submitting this complaint regarding inaccurate late payments and discrepancies reported on my credit file for my XXXX XXXX  account ( Account # : XXXX ). These inaccuracies violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and other relevant U.S. laws. Below, I have outlined the nature of the complaint, including specific errors, violations, and my requested resolution.

Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report for this account is inaccurate and unverifiable. My payment history shows no record of late payments, as I have consistently made my payments on time.

Additionally, the credit report does not specify a date for this alleged late payment. This lack of clarity violates the accuracy standards required under the FCRA.

High Balance Discrepancy : The high balance for this account is reported as {$3000.00}, which conflicts with the actual account details.

Violation of FCRA : These inaccuracies violate my rights under the Fair Credit Reporting Act, specifically : 15 U.S. Code 1681i : Requires credit bureaus to conduct a reasonable reinvestigation of disputed information.

15 U.S. Code 1681s-2 : Mandates furnishers of information to provide accurate data.

Violation of Other Consumer Protection Laws : Truth in Lending Act ( TILA ) : Mandates accurate reporting of credit information.

Fair Debt Collection Practices Act ( FDCPA ) : Protects consumers from false or misleading representations about their accounts.

Requested Resolution : I request that Equifax : Conduct a thorough investigation into this matter as required under 15 U.S. Code 1681i.

Provide detailed information regarding the date and evidence of the alleged late payment. If no evidence can be provided, I demand that the inaccurate entry be removed from my credit file.

Correct all discrepancies, including the high balance and payment history, to ensure my credit file accurately reflects my 100 % on-time payment history.

Provide written confirmation of these corrections within 30 days of receipt of this letter.

Failure to resolve this matter promptly may lead to further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies as outlined under FCRA Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ).

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have been disputing this matter several times. Your efforts in resolving my problem were ineffectual. What else should I do for you to give thorough attention to my dilemma? I believe there may be an error in the reporting, and I am seeking your assistance in rectifying this issue. 
XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXX  - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I understand the importance of maintaining an accurate credit history, and I am committed to ensuring that my credit report reflects my financial behavior accurately. However, I am concerned that these late payments are negatively impacting my credit score and my ability to access favorable financial opportunities.
Product: Debt collection

I originally felt that I had to pay this, but have since been informed that medical debt is n't supposed to go to collections. Plus it 's been 6 years and it 's still effecting my credit score negatively.
Product: Debt collection

XXXX. dropped " legal '' papers off at my place of employment when I was not present. They left the papers with the manager on duty. The papers were not even in any kind of envelope or sealed in any way. Open to the public. My information was displayed out in the open with my social security number and other personal information. I felt deeply embarrassed. This is illegal as this debt is over 10 years old. The judgement was entered on XX/XX/2007. They have been harassing me with phone calls for years on end. They have been relentless in pursing a debt that can no longer be legally collected. The " legal '' papers they left have no merit. They were not even stamped by the court ; nor were they signed by any attorney. I work as a waitress in a restaurant for a minimum wage and salary. I also have over {$100000.00}. in student loan debt. And like many Americans I am having difficulty paying it back.
Product: Credit reporting or other personal consumer reports

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bankruptcy XXXX
Product: Mortgage

One hour before closing Wells Fargo asked for copies of two checks. I told them everything was pack and we were waiting for the final numbers. They replied we are increasing your mortgage by {$10000.00} since I could not get the two checks If would have said no I would be out of contract and would loose my down payment They had 2 months and one before closing the under writer wanted copies. I feel they did it to up the mortgage and closing cost
Product: Debt collection

This loan was a result of identity theft and the company refuses to take it off my credit report.
Product: Credit card

I made a purchase online with XXXX XXXX, the total cost was {$25.00} and I paid the {$25.00}. The purchase was discounted since I applied for a XXXX XXXX Rewards Card ( Barclays ). I was approved but never received the card. I received an online billing statement but that can not be paid online without the XXXX digit number on the card. I also could not contact customer service online without the XXXX digit number, so I called the customer care number, XXXX. I explained the above and asked for the card number but was advised that they could not give me the number over the phone. The bill for the actual items is paid in full, but Barclays continues to send me bills for late fees, interest, and penalties, in the total amount of {$59.00}. None of that is for goods or services, only fees incurred because the bill was not paid when the first statement was sent. The bill can not be paid without the card/card number and I did not have and have never received the card or the number. I sent payment via regular mail, with only my name and the last four digits of the card that were provided. I don't owe them any money and do not want the card. I also want them to stop sending me bills for any fees/interest/penalties.
Product: Credit reporting or other personal consumer reports

I found discrepancies on my credit report concerning 15 USC 16c-2. The inquiries listed were unauthorized and are hurting my credit. Please remove all unauthorized hard inquiries. Thank you!
Product: Money transfer, virtual currency, or money service

I have tried to transfer funds several times from my us bank reliacard to my bank account. I have called customer service, they could not see any reason for the transfer failure and was told that my issue was being escalated and I would receive a call. I have not received that call in over 24 hours. I was notified by text that the money was available in the account XX/XX/.
Product: Credit reporting, credit repair services, 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 : XXXXXXXX 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 or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Pioneer Credit Recovery - Robodialer calls every single day and has been for months. Sometimes multiple times a day leaving a message on my business voicemail system. 

The message has no reference number. When we call them to have them look up the phone numbers they are dialing they can not find them in their system to eliminate them. 

We have done this over and over and had no luck in eliminating these phone calls.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that the XXXX credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX 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 XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX  XXXX Balance : {$4700.00} XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

The company Upstart will not quit harrassing my wife and I. Every week we recieve six advertisement letters for us to apply for one of their loans. I called them twice and politely ask they remove us from their mailing list, the first lady said " i dont know what to tell you '' and hung up, the second person said they cant remove us from their mailing system. We have no loans with this company, we've never purchased anything from them. They also call my phone everyday asking me to apply for a loan.
Product: Debt collection

I disputed with XXXX and it came back as verified. I also asked the company to send me the agreement I signed stating that was my debt with their company. I also asked if they would send signed paperwork stating I gave them permission to use my personal information from another company and report it on my credit file.
Product: Mortgage

I recently filed a complaint against Banco Popular de Puerto Rico regarding a mortgage modification ( XXXX ). I received a letter from them stating that I should call the lost mitigation department in order to discuss my alternatives. I called today, XXXX XXXX, in order to submit the evidence of my income and expenses. When the person on the phone made the evaluation of my case, she stated that since the deficit between my income and expenses was for {$700.00} the only alternative they could give me was to stop paying my mortgage for 3 months while my situation changes, and that I need to cut my expenses or make more money. Seriously, in what world are they living????? Is not like I can stop paying the electricity or the water services, or the student loans or anything. And is this ai n't bad enough, after the 3 months I should pay the three months that I have n't, at once, and continue with the monthly payments as they are. She said that the could have offer me a different option if the deficit between income and expenses was n't so big. I will like to know if this is even legal. I want to make a modification of my mortgage to be able to pay every month. They say I ca n't refinance because the property cost a lot less than when I bought it, and that I can make a modification with them because I wo n't be able to pay it. The only option they are giving me is to loose my apartment because they rather get no money instead of giving me a real option.
Product: Debt collection

Credit Management Company reported a {$720.00} debt on my credit report unlawfully. It took me a half dozen phone calls to this company till they could even find this alleged bogus debt. XXXX in XXXX said it was for a debt owed back in 2015. When I tried to request documentation XXXX became threatening and hung up on me. Comes to find out XXXX in XXXX buys XXXX XXXX. Credit Management Company doesn't send any letters to notify you of their intentions, according to XXXX they don't have to. He did claim they did call my job once but I have no recollection that call. The scam is they put it on your credit report then try and shake you down from XXXX for cash to remove it. These are for debts that have long been charged off after 7 years. This is so illegal in the US.
Product: Credit reporting, credit repair services, or other personal consumer reports

After Ally Financial Bank charge-off and also closed this account on the XXXX XX/XX/XXXX and sell it over to XXXX XXXX XXXX on the XXXX XX/XX/XXXX together with all my confidential personal information ( Federal crime and private right violation ), now Ally Financial Bank decide after my complain and disputes to report to the credit agencies Negative information for the month of XX/XX/XXXX. HOW IS IT POSSIBLE THAT AFTER ALLY FINANCIAL BANK SOLD THIS ACCOUNT AND CLOSED MORE THEN A YEAR AGO, NOW THEY STILL ARE REPORTING WRONG AND NEGATIVE ITEM ON MY CREDIT REPORT, AFFECTING MY CREDIT IN A NASTY  NEGATIVE MANNER AND IN CONSECUENSE ALL MY LOANS, CREDIT LINES AND CAR APLICATIONS ARE BEING DENIED DUE ALL THIS NEGATIVE REPORTING OF ALLY FINANCIAL BANK ON MY REPORT.
Product: Debt collection

( Charges are invalid. Cleaning charge for carpet was added after completion of the lease. Pictures documents are available upon request. Inspection form contains documentation of stains at the time of move-in. ) After I moved out of my apartment which i was only there for 6 months ( student housing ). My roommate and I received a charge for XXXX dollars each regarding the move out inspection ( Which they set up to do after we turn in our keys and left the premises as per there company policy ). 
Me and my roommate address the original issue years ago, with-in days of us moving out. We supplied them with the original move inspection ( via email ) that showed that the carpet was already dirty and damaged. Then which they stated someone would look into the issue. So a couple day after not receiving an update we both went to the leasing office and the property manager stated that they made a mistake and they were going to take care of the issues. So me and my roommate both left it alone out of good faith of the managers word. Then recently this XXXX out of nowhere the debt collection agency ( XXXX ) communicated to me that i was sent to collections. At first thought it was a scam because I received no type of notification from the property and for this to happen years after without warning doesnt make sense. Then to find out Only me and my guarantor ( XXXX XXXX ) were sent to collect and not my roommate. So I reached out to both parties and was sent in a wild goose chase for the last month with no response or luck. 


Interest is also being added monthly.
Product: Mortgage

XXXX  we purchased a home with a predatory lender and our credit was bad and our income was barely XXXX but we were approved for a {$240000.00} mortgage at an adjustable rate. We continued to pay the 80 % mortgage and they changed it to a fixed rate. Now, 15 years later that 20 % loan mortgage now has threatened to put a lien on the house.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX, I decided to try and repair my credit/remove any inaccuracies that may have appeared.I found several accounts/addresses that were inaccurate, Experian, XXXX  had ( s ) fraud alerts that were most certainly not authorized.I sent dispute letters to Experian, XXXX, XXXX  and account holders via certified mail. days later, I sent a second round of letters disputing incorrect information XX/XX/XXXX just to get a response that all my accounts have been 'Validated/Verified '' .I have a XXXX XXXX closed derogatory on XXXX   ( {$260.00} ) and a collection for that same derog on XXXX., In my dispute letters, I mentioned I wanted to know their verification/validation method, never got a response from any of the three bureaus in that regard.I have a closed derogatory XXXX  XXXX XXXX  card from XXXX for the princely sum of {$260.00} along with XXXX charge-offs that has been " Validated '' and reporting on all three CB..I contacted the original creditors and what I got in return was evidence that they have no valid evidence I ever owed this debt, nor any valid reason this is still on my credit 8yrs,2mo later.I have a medical collection for XXXX on my credit from a agency that violated my HIPPA rights ( using stolen medical information to collect ) ..Just like a lot of people, I got scammed into signing up for student loans with the promises of job placement, better life ect.Every time I dispute these items, My balances raise or lower by the exact same amount ( 11-27 $ ) .If these numbers are legitimate, how is that possible? Interest alone dictates this to be impossible.I apparently have a student loan for XXXX $ with XXXX late payments..How is this nonsensical jibberish allowed to be posted to my consumer credit accounts? They ask the people that claim you owe them money if you owe, they of course say yes and that's the end of it? No original instuments of indebtness, No HIPPA realeases, FCRA violations 15 ways from sunday.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this complaint regarding an account reported by XXXX XXXX ( Account # XXXX ) that has been improperly placed on my credit report. This collection is in reference to an apartment lease that was under my sons name, which I co-signed. 

Throughout the entire lease period, no late payments were ever reported, and no outstanding balances or lease-end fees were communicated to either of us. Additionally, at no point did we receive any notificationwritten or otherwisethat there was a balance due or that the account would be sent to collections. 

This reporting constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The collection was added without proper notice, verification, or opportunity to dispute, and it is materially inaccurate. 

I am formally requesting that this account be immediately deleted from my credit report and that this matter be investigated thoroughly.
Product: Credit card

On XX/XX/XXXX, I accidentally overpaid my Bank Of America credit card bill by an amount of {$5100.00} through XXXX bill pay service. On XX/XX/XXXX I requested a refund of the {$5100.00} and Bank Of America said they would issue a refund. After several weeks of not seeing the money in either my XXXX or my checking account, I received a letter from BOA dated XX/XX/XXXX, stating that they had successfully completed the refund. I called Bank Of America to find out why I hadnt seen the money yet and the representative told me that refunds could take up to 30 days for the money to appear in my account, so I waited. 
I called back after the 30 days had passed and the representative told me that they would conduct an investigation and get back to me. I received a letter dated XX/XX/XXXX stating that Bank Of America had concluded their investigation and that they successfully completed the transfer on XX/XX/XXXX. 
Since that time Ive called BOA monthly if not weekly to follow up, each time Im told they will escalate my case and each time I only ever receive a letter claiming that they have concluded their investigation and that XXXX successfully transferred the money to my XXXX account and that I need to pursue this with XXXX. 
When I call XXXX to follow up, they claim that there is no record of this transfer into my account. They went on to explain that when a transfer is successfully completed, XXXX issues a transaction ID number, both to the sender and to the receiver ( Ive never received a transfer ID # ). XXXX said that they need this transaction ID # in order to trace any transfer made into my account and without this transaction ID # theyre unable to help me further. 
Ive requested this transaction ID # from Bank Of America on numerous occasions and have been told that since XXXX handled the transfer, Bank Of America has no access to that transaction ID #. 
In a more recent call to Bank Of America they shared an internal reference # with me and urged me to see if XXXX could use this to track down the transfer. I called XXXX but the reference # didnt yield any new results. 
A manager for a local Bank Of America branch recently helped connect me with a supervisor at Bank Of America who revealed that the transfers were actually done in 3 parts- one for {$5000.00}, one for {$100.00}, and one for {$11.00} ( the same way the payments were made to my credit card ), amd each had a transaction number associated with it. I thought that these were the numbers I needed for XXXX but they also turned out to be internal Bank Of America reference numbers as they were 23 characters long and XXXX transaction ID # s are only 20 characters long. 
On two occasions, I requested that Bank Of America reverse the transfer and on both occasions they were unsuccessful. 
At this point, both institutions are telling me that too much time has passed and that theres nothing they can do to help me, each pointing the finger at the other, insisting that the other is responsible for the mistake and that I need to take it up with them.