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

Subject : Validation Letter Regarding Removal of Late Payments from Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XX/XX/2024 XXXX XXXX Equifax Dear Sir/Madam, I am writing to dispute the late payment entries on my credit report. I have recently reviewed my credit report and have identified several late payments that are inaccurately listed on my account. These late payments are negatively impacting my credit score and do not accurately reflect my credit history. 

I am requesting that these late payment entries be thoroughly investigated and removed from my credit report as they are not a true reflection of my payment history. I have always been diligent in making my payments on time, and these late payments are erroneous and damaging to my creditworthiness. Ive never been late I kindly request that you conduct a thorough investigation into these inaccuracies and provide me with a written explanation of the results. I believe that once the inaccuracies are rectified, my credit report will more accurately reflect my credit history and financial responsibility. 

Please provide me with information on the steps being taken to investigate this matter and the timeline for resolving this dispute. I am looking forward to a prompt resolution to this issue and the removal of the inaccurate late payments from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX : XXXX All rights Reserved w/o Prejudice
Product: Student loan

the school has closed it is no longer under the same name as when i started they are being sued by employees as well as students for not notifying us of this change they arent paying their employees and are under a big lawsuit while attending the schoo school i never received the direct payment to me the school which was XXXX XXXX XXXX XXXX was cashing the checks to stay afloat now im on disability and can not afford to pay anything to them they have not accepted my disability letter
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  reported an invalid balance and eviction onto my report that also later went into collections unknowingly after we went to court and the amount was dismissed due to the reported balance from the leasing company being incorrect. It is now showing up as an eviction as well when I moved voluntarily. And the corporate office has been giving me the run around and telling me to deal with the collections agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETWrong Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX FROM MY CREDIT REPORT.
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 : Accounts : XXXX XXXXXXXX INQUIRY : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

no contract, I send a letter certified letter to verify the debt on XX/XX/2017 and never response to the letter. I did advise in my letter if cant verify, please remove off my credit and it was never removed.
Product: Credit reporting or other personal consumer reports

pulled my credit reports and noticed a mysterious collection account from Consumer Adjusters that has never been verified or validated. I complained about this reporting once before that I have never received any notice at all which would have allowed me to dispute this debt I allegedly owe. XXXX and Equifax claims this debt was investigated and accurately verified but both failed to present to me or forward to me the proper procedure that was used to verify this account as accurate. As I write this, I still have not received anything pertaining to this debt they claim I owe which is in violation of FDCPA Section 807 ( 11 ) & Section 809 ( a ) ( 1-5 ) for failing to have any initial contact with me ( written or verbal ) before reporting this erroneous information on my credit report. With this negative reporting on my credit profile, it is really hindering me and my family from progressing.
Product: Credit card or prepaid card

On XX/XX/XXXX, I opened a line of credit through Wells to purchase a mattress through XXXX XXXX See XXXX XXXX Per the agreement and as indicated on XXXX. I, payments were to be made in XXXX equal payments of {$97.00}. I made my first payment of {$98.00} on XX/XX/XXXX, and My Second Payment of {$98.00} on XX/XX/XXXX, See XXXX XXXX 
On or about XX/XX/XXXX, I received a notification saying I was late on my payment despite having paid it on XX/XX/XXXX. Subsequent to that payment I made my payment for XXXX in the amount of {$110.00} on XX/XX/XXXX XXXX XXXX. XXXX XXXX called Wells on XX/XX/XXXX and spoke to a representative at XXXX XXXX central time. After going back and forth with Wells and informing them my bank records indicated payments were made on time, they said that they saw the payments in question in their system, but that they received the payments too soon and that the payments were not applied/didnt count for that month. I was told they would adjust my previous payment ( XXXX ) to reflect they were indeed made XXXX XXXX. XXXX XXXX late fee of {$29.00} was refunded for XX/XX/XXXX. 

On XX/XX/XXXX, I again made a payment to Wells in the amount of {$100.00}. On XX/XX/XXXX, I received a Notice attached hereto as XXXX. XXXX, indicating I was late making my XXXX payment. That same day I spoke with a representative who would only give me the name XXXX, at XXXX XXXX XXXX XXXX I went over my bills with XXXX and she again checked her records. She indicated again that my payment was received too early. I informed her my payments were timely and per the agreement they were 24 monthly payments ( give or take ) depending on the minimum I pay. She agreed with me that it did not seem right that Wells was flagging me but that thats how they operate. 

On XX/XX/XXXX, I received my monthly statement from Wells and noticed that despite paying my XX/XX/XXXX payment on XX/XX/XXXX, and speaking with XXXX to again fix Wells oversight, I was charged a late fee of {$29.00} on XX/XX/XXXX See XXXX XXXX  Subsequent to my XX/XX/XXXX payment I made a payment for XXXX on XX/XX/XXXX, in the amount of {$100.00} See XXXX XXXX 

Since this account was opened on XX/XX/XXXX. A payment at or above the agreed upon minimum monthly payment has been made to Wells in a timely manner. For these reasons, I am filling a formal complaint against Wells for unfair and deceptive lending practices.
Product: Debt collection

Sears credit card is constantly contacting me regarding the debt my husband obtained and in which he is incarcerated. I have told them numerous times and the continue to contact me all day long. And I tell them what is going on and apparently no one reads any notes so then they want to know all this information about me and I am not on this card with him. I was trying to pay as much as I could for him but due to me not being able to sell and buy my house I am unable to any longer afford his debt. But they continue to call for him all day long everyday.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts : 1. Account Name : XXXX Account Number : XXXX Amount : XXXX XXXX. Account Name : XXXXXXXX XXXX Account Number : XXXX Amount : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX Amount : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX Amount : XXXX XXXX. Account Name : XXXX Account Number : XXXX Amount : XXXX has violated my rights. 

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
Product: Money transfers

In XXXX, 2016, I was contacted by XXXX and offered me to rent my time share weeks from my XXXX in XXXX. After they made a very attractive financial offer of {$70000.00} dollars, I accepted and signed a contract. In the contract, I agreed to pay in advance,. {$16000.00} for the usage/maintenance fees. After I called the XXXX to clarify about this advanced payment, I told them that I did n't have this money. They told me that if I did n't have the money I would sued for breech of contract. After feeling intimidated, I wired them {$8500.00}. They told me that I needed to send them the rest of the money or else I would be sued by their lawyers and I would have to pay a penalty of 10 % of the total amount offered for 18 weeks of rental of my time share that I originally agreed to rent. 
I recalled my wired money through my bank after I suspected fraud. After almost four weeks, I am not able to get my money back.
Product: Credit card

On XXXX XXXX, I was contacted by BP Card stating my card was frozen due to questionable charges. I contacted the Fraud Department and they asked if I made charges to a Racetrac in Florida -- I stated NO and was in Illinois where I reside. They stated they had caught the attempted uses and I would not be charged, and they would send me a new card and number. They sent me the new card and number but when I received my statement, I saw that I was still charged for the XXXX fraudulent charges. XXXX for {$98.00} ( XXXX XXXX. XXXX FL ), XXXX for {$98.00} ( XXXX XXXX. XXXX FL ) and XXXX for {$98.00} ( XXXX XXXX FL ). Each was made on XXXX/XXXX/16. After multiple inquires by telephone and email, I am continually brushed off and the charges remain on my account ( I pay my full balance each month so they had been paid as I always pay in full during grace period to avoid paying any interest ). I have still not received the credit and just get generic responses despite over 60 days elapsing since the charges ( which were caught by their FRAUD department ) were made. There are XXXX of complaints against Synchrony Bank and their various credit cards for such shady business practices and the CFPB should intervene immediately. It is clear that they are trying to avoid making a credit and simply collect the monies which I never charged. As an attorney, I am even more infuriated that a financial institution would do this to their customers as there are XXXX individuals who do not have the skills to advocate for themselves in these situations..
Product: Student loan

I supposedly went to XXXX XXXX XX/XX/XXXX/2006 and now I have XXXX who apparently is the new XXXX XXXX saying I owe over $ 3k. 1, this is over 11 years ago and 2 I did n't actual attend. I signed up but never attended. I have bot heard anything from this school. Now account control with XXXX XXXX and XXXX are threatening to garnish my wages. They are extremely rude and wo n't listen. I have requested information that they keep passing off to other companies. I am being harassed. I have called the attorney general and am complaining there as well. I have written them back.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate credit reporting by XXXX XXXX XXXX XXXX XXXX, which has adversely affected my credit report. 

Account Details : Original Creditor : XXXX XXXX XXXX XXXX XXXX  Current Servicer : XXXX XXXX Complaint Summary : Account History : I opened an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX closed and sold the account to XXXX XXXX, which is the entity to which I now make payments. This transfer of ownership was communicated to me, and I have attached relevant documentation confirming the sale and transfer of the account. 

Inaccurate Reporting : Despite the account being sold to XXXX XXXX in XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  has recently reported a XXXX late payment on my Experian credit report for XX/XX/XXXX. At the time this late payment was reported, XXXX / XXXX XXXX Bank no longer owned the debt, nor was I making payments to them. 

Dispute with Experian : I have disputed this inaccurate late payment entry with Experian. Unfortunately, Experian verified the entry as correct despite the fact that XXXX / XXXX XXXX Bank did not own the debt at the time the late payment was reported. This verification is incorrect based on the documentation I have. 

Impact on Credit Report : The inaccurate XXXX late payment entry has caused significant harm to my credit report and score. I have always made timely payments to XXXXXXXX XXXX, as evidenced by my credit report, which reflects no late payments.
Product: Checking or savings account

On XX/XX/XXXX, I learned that my checking account was locked by lending club bank via the chat feature while I was attempting to reset my online account password. The customer service representative declined to tell me why they locked my account and was told it had been escalated to management. 

On XX/XX/XXXX, I called twice to see what I needed to do to correct the situation and was not given any answers. 

On XX/XX/XXXX, I called and was informed they just needed a copy of my driver 's license which I promptly sent. 

On XX/XX/XXXX and XXXX, I still had not heard back and called again. On the XXXX they informed me that my file could not be opened and that they needed me to send via pdf, which I did. 

On XX/XX/XXXX, they responded to my email asking me to send the document again and I did. 

It's now the XXXX and I have yet to hear back and have failed to issue me a formal notice on why my account was locked in the first place. Each time I called I provided them with information including my date of birth, zip code, last XXXX digits of my social security number, etc. which should have sufficiently validated my identity.
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 XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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

Around 2018, fraudulent charges occurred on my American express card. I was notified by a call from American express because the charges occurred within minutes of each other from different states. I specifically remember the representative asking me how was the weather where I was. I answered it was cold and raining however the card was being used Texas at a XXXX XXXX, Florida at a XXXX XXXX, and then in XXXX at some type of resort. I was prompted to follow the fraud protocol including filing a police report. 

This account is still reporting on my credit as charged off as bad debt. When in fact is was fraud.
Product: Mortgage

My monthly mortgage went from {$480.00} to {$870.00} over the past two years. I have a fixed interest rate loan and the mortgage company listed the extra money due as Escrow for insurance and taxes. My property taxes are less than {$400.00} a year. I have called the lender numerous times only to get transferred to the " correct '' department that places me on hold for over an hour, then disconnects. This happened over the course of two days and more than XXXX phone calls.
Product: Credit card or prepaid card

XX/XX/2018 While checking my credit report, I found a Capitol One card  on XXXX that does not belong to me. The following is from the credit report : CAPITAL ONE BANK USA Account # XXXX Original Creditor - Company Sold - Account Type Revolving or Option Date Opened XX/XX/2018 Account Status Open Payment Status Pays account as agreed Status Updated XX/XX/2018 Usage 93 % Balance {$9200.00} Balance Updated XX/XX/2018 Credit Limit {$10000.00} Monthly Payment {$92.00} Past Due Amount - Highest Balance {$9200.00} Terms M Responsibility Authorized User Your Statement - Comments - Contact Information XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I. Capitol One a. I called Capitol One. They do not have any active credit card with my SSN other than my valid XXXX account. 
b. They were not able to identify another account under my name. 
c. Capital One gave me the following credit bureau number to contact : i. XXXX  : ( XXXX ) XXXX II. XXXX a. XXXX put a fraud alert on my account through the automatic system. 
b. When I got a live person : i. XXXX was unable to help me with the account. The person I talked to only had the same information that was available on my credit report. 
ii. He gave me the XXXX Dispute phone number : ( XXXX  ) XXXX and a follow-up number : ( XXXX ) XXXX iii. When I called the Dispute phone number, the person would not give me the full account number ; however, the last 4 digits are XXXX. ( XXXX ) iv. XXXX  is submitting this as a fraud investigation. They will contact Capital One as part of the investigation. 
v. They will mail a copy of the investigation results within 30 days. 
vi. They suggested that I file a police or FTC report for this fraud.
Product: Credit card or prepaid card

Purchased a laptop from Best Buy, the delivery driver returned the laptop to the store due to not being able to make the delivery. I never received the laptop! Purchase price was for {$2300.00}, called and talked to account specialist several times. XXXX ( XXXX ) XXXX, Best Buy Order # XXXX, Dispute Case ID # XXXX, Dispute Reference ID : XXXX. This was two months ago, I have since closed this credit card account with Citi Bank and I am still waiting for the refund to the closed credit card account.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report. The following unauthorized inquiries are : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ONEMAIN appear on my XXXX credit report as hard inquiries, I have disputed many times this hard inquiry via XXXX  and also directly by calling this company but every time XXXX and also this above mention company denied my petition to send me any document that shows who autorise them to pull up my credit and make any application. ONCE AGAIN I REQUEST DOCUMENTATION ABOUT THIS HARD INQUIRY TO BE SEND TO MY MAILING ADRESS OR OTHER WISE THEY NEED TO DELETE THIS HARD INQUIRY AS THE FCDPA SECTION 604, 609 AND 611 DEMANDS.
Product: Mortgage

I noticed that a recent credit report of mine included a thirty ( 30 ) day late payment that was reported on XX/XX/2021 and posted to my credit report on XX/XX/2021. This remark is in conjunction with a payment that was due to United Wholesale Mortgage ( UWM ) on XX/XX/2021. The payment of {$2200.00} was made on XX/XX/XXXX, however, the payment was reversed due to a bank error that I was never notified of on XX/XX/2021, just three ( 3 ) days before my next payment due date. This left very little time for proper notification and correction, as once a payment is thirty ( 30 ) days late, it is to be reported to the credit bureaus. 

Had it not been for a lack of awareness regarding this issue, I would have a perfect payment history, one that I take very seriously. I truly believe that this does not reflect my credit worthiness nor my commitment to repaying my debts. 

I was never directly notified of any issues regarding the above mentioned payment by United Wholesale Mortgage. After becoming aware of the derogatory remark on my credit report, I spoke with someone from UWM via telephone who advised me that I was attempted to be reached via telephone, however, those phone calls were only made to the " primary '' phone number, which at the time was ( XXXX ) XXXX, which is not my phone number. I was then advised that UWM is not allowed to leave any voicemails, indicating that no information regarding the payment was ever or would have ever been provided through a voicemail. I was also advised that a letter via US mail was mailed to my home address on XX/XX/2021. To this day, I still have not received that letter. Even if I had, the likelihood that I would have received it before the next payment due date of XX/XX/XXXX is low. 

I take my finances very seriously. As soon as I became aware of this reversed payment, I immediately made a payment of {$4600.00} that included all owed amounts, including the payment for XXXX as well as XXXX, as well as the late fees and reversal fees associated. I have never missed a payment, ever. This is a terrible mistake that I sincerely hope does not have to follow me for the next seven ( 7 ) years. 

I filed disputes with all major credit bureaus as well as with UWM. I provided descriptive information to UWM that indicated the lack of notification, however UWM has failed to take responsibility and has stated that they will not change the reported information.