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

XX/XX/XXXX Subject : Third Round Complaint Regarding Inaccurate Late Payments - Account XXXX  XXXX XXXX Dear CFPB, I am filing this formal complaint against Experian and XXXX for failing to correct inaccurate late payment information reported on my credit report for the account with XXXX  XXXX, account number XXXX. Despite submitting two prior disputes on XX/XX/XXXX, and XX/XX/XXXX, the inaccurate reporting remains unresolved. It is important to note that XXXX has already corrected this error and updated my report to reflect a positive status. We are now awaiting similar action from Experian and XXXX. 
Violation of Consumer Protection Laws This situation constitutes multiple violations of federal consumer protection laws, as outlined below : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : Credit reporting agencies are mandated to ensure the accuracy of consumer file information and conduct reasonable investigations upon receiving a dispute. In this case, your failure to address my concerns effectively violates this provision. 
15 U.S.C. 1681e ( b ) : Consumer reporting agencies are required to maintain maximum possible accuracy in credit reports. The continued presence of this error contravenes this obligation.

Truth in Lending Act ( TILA ) : 15 U.S.C. 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The reported late payments suggest a failure by the creditor to comply with this statutory requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely statements and prevent unfair penalties to consumers. The reporting error unfairly impacts my creditworthiness. 
Details of the Inaccurate Reporting Creditor : XXXX  XXXX Account Number : XXXX Reported Late Payments : XX/XX/XXXX and XX/XX/XXXX Status on XXXX XXXX Corrected to reflect positive status. 
Status on Experian and XXXX : Still inaccurately reported as 30 days late. 
Evidence Supporting the Inaccuracy Credit reports from all three bureaus ( XXXX, Experian, and XXXX ), showing discrepancies. 
Copies of my previous dispute letters dated XX/XX/XXXX, and XX/XX/XXXX. 
Personal identification documents to verify my identity. 
Desired Resolution I formally request the following : Immediate removal of the inaccurate late payment notations from my credit reports with Experian and XXXX. 
Written confirmation of the corrections made. 
Assurance that my credit file will be monitored for ongoing accuracy. 
If this issue is not resolved promptly, I will escalate my complaint further by filing additional grievances with the Consumer Financial Protection Bureau ( CFPB ) and pursuing potential legal remedies. 
Thank you for your attention to this matter. I look forward to your prompt resolution. 
Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

My gap coverage sent Truist a check to pay off the loan, there was money left over to be refunded to me. Truist cashed the check and kept the money that was to be refunded. I've submitted complaints and Truist responded they didn't receive the check. The gap company sent me proof that the check was cashed by Truist bank, so their response that they didn't receive the check is a lie. 
I have everything Truist sent me denying that they received the check, I also have proof they cashed the check in XXXX. 
I now want to discuss damages in the form of mental anguish, and inconvenience for the past 3 months.
Product: Debt collection

Got a letter from XXXX XXXX XXXX XXXX stating I owed PayPal Inc {$100.00} and would take partial payment of XXXX. I called and spoke to PayPal and spoke to PayPal MasterCard that has been closed. They state I dont have any outstanding account debt and this must be a scam. The account number on the letter is not my account # with PayPal.
Product: Debt collection

I am getting repeated phone calls by Jefferson Capital. Jefferson Capital is masking their phone number to reflect an area code in " XXXX Florida '' where I'm from and have family & friends residing. Jefferson Capital is not located in Florida and they are masking their phone number with the hope of me or any 3rd party being tricked in answering the call. Furthermore, Jefferson Capital is calling 3rd parties in trying to contact me. Both tactics I just described confirms the knowingly & willingly act by Jefferson Capital violating my rights under the FDCRA & FCC.

I previously sent Jefferson Capital a letter requesting for them to inform me in writing of what alleged debt they are trying to collect because I am unaware of any outstanding debt that I owe to any creditor. I also requested that if they are making any allegation of any outstanding debt that they are trying to collect to please provide me " validation of the debt '' & as of today 's date, they haven't provided me no validation of debt & continue to call me and 3rd parties. 

In closing, I am requesting that Jefferson Capital cease from calling me and any 3rd party. Furthermore, I will be filing a small claims lawsuit no later than XX/XX/2020, & today will be my only attempt to try and resolve this matter informally with Jefferson Capital before I file a lawsuit in small claims court. My lawsuit will be regarding the knowingly & willingly action ( s ) of Jefferson Capital violating my rights granted to me by the FDCRA & FCC. My lawsuit will be for {$2000.00} & the only communication I authorize Jefferson Capital to have with me is in writing & informing me if they agree to settle this matter informally. 

The following are some of the phone numbers Jefferson Financial are masking ; XXXX & XXXX The following is only 1 example of Jefferson Capital trying to communicate with a 3rd party in their attempt in trying to contact me ; XX/XX/2020 using the masked phone number XXXX at exactly XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$60.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XX/XX/2020 ) ( XXXX XX/XX/2020 ) ( XXXX XX/XX/2020 ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfair Practices and Malicious Treatment to through XXXX  and Vance and Huffman , LLC. 


On or about XX/XX/XXXX, a voice message was left on my voice mail for me to call Vance and Huffman , LLC. I returned the call and a lady advised me that I had a debt of {$250.00} and they were the litigation firm to collect the debt. I told her that I was unfamiliar with their name and she gave to company names I was not familiar with. 

I asked for a copy to look over the debt to be sent to my email and advised her I needed to look into the matter. I did not believe I had any debt or never heard of the names she shared with me that I supposedly had the debt. I thought this was a fraudulent attempt to collect money from me. I asked the lady to send the debt information to my email and I waited for the information to come which I never received from their offices. Additionally, I mentioned if it was my debt that I would take care of it. 

In XXXX, I paid off debt and my credit score increased into a good position (XX/XX/XXXX ). Importantly, for years, except one tax issue with my car payment, which I tried to dispute and correct, I maintained an exceptional history payment status for years. On XX/XX/XXXX, my credit score had just increased 10 more points when this ordeal took place and continues to affect my score as of XX/XX/XXXXmy score dropped again by 1 point with no explanation. 

On XX/XX/XXXX, not even a week later from speaking to the woman and without receiving the email request to verify the debt, Vance and Huffman flagged my credit report as collections. On XX/XX/XXXX, I received a credit monitoring alert that displayed my credit scored decreased by 29 points. Immediately, I called Vance and Huffman after being notified by XXXX  and XXXX XXXX. 

After speaking with XXXX at XXXX XXXX, shared they had the incorrect address and an old XXXX XXXX XXXX account. I was advised that this was supposedly from XXXX and settled per XXXX. XXXX advised me that she would call back and never did call me. In XX/XX/XXXX, I reached out to XXXX XXXX XXXX because I had an been paying them on a small loan and fell behind. I paid it off last year and it was closed last year XX/XX/2020. So, I don't understand how Vance and Huffman , LLC. can say that this account was closed and it could not be closed. 

I look forward to a response to file regarding the unfair dispute, placing debt on my credit report and the large decreases on my credit report. 

As you can see by the attachments I provided which reveal my clearing up debt in XXXX and the debt decrease which occurred twice in XX/XX/XXXX by 49 points. This is illegal and unfair. I have unrest about this matter and can still pay off what is rightfully due if I receive and understand the alleged debt. I never denied any debt, just a request to see and recover what has been maliciously done to my credit and livelihood.
Product: Mortgage

On XX/XX/XXXX I received an e-mail from my mortgage servicer that they had paid {$1300.00} to XXXX XXXX XXXX XXXX for hazard insurance. I immediately e-mailed on them on XX/XX/XXXX saying that I already had hazard insurance through XXXX XXXX, and e-mailed them a copy of the binder and declaration page. 

I asked them to cancel the insurance and refund the premium immediately on the insurance that they placed on my behalf because I had no lapse in coverage. They refused. 

I have never contacted XXXX XXXX XXXX XXXX, asked for a quote, or bound coverage through them. The mortgage company placed this insurance without my knowledge, and did not send me any notification prior to doing so.
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  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/18 ; XX/XX/18 ; XX/XX/18 ; XX/XX/18 ; XX/XX/18 ; and XX/XX/18 to XXXX XXXX and all the credit bureaus. It is now XX/XX/2018. I sent the XXXX XXXX and all the credit bureaus a copy of my police report, ID Theft Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
Product: Student loan

My auto payments for my student loans were to begin on XX/XX/XXXX. I checked my Ed. Financial account that day to ensure it was paid, it showed that the autopayment went through. The money never left my checking account. 

I received a notice on XX/XX/XXXX that my bank returned my payment. I checked my banking details, and everything looked correct. I submitted a manual payment. The payment was processed for a few days before eventually showing " paid. '' The money was never taken out of my checking account and showed the payment was reversed again the same day the charge was " attempted. '' I removed my bank details and added them again to confirm they were correct on XXXX. I then submitted another manual payment. 

I called my bank, and they showed that an attempted charge was made, but they spelled my last name wrong and added another digit to my account number. I double-checked my name and account information only to find that they were correct in my Ed. Financial account. It seems that Ed. Financial had added my middle initial to my last name and inputted my banking information incorrectly for the charge on XX/XX/XXXX. My bank also showed that they made this same mistake again today for my payment on XXXX. 

I contacted Ed. Financial via email multiple times since XX/XX/XXXX and spoke with a representative in their chat system today, XXXX. I wanted to verify how they had my last name in their system because they keep charging my payment to " FirstName MiddleInitialLastName. '' However, it shows my middle initial separately in my account details. The representative refused to identify how they were categorizing my last name specifically until the very end of our conversation. The representative stated my name is " FirstName MiddleInitial LastName. '' Per my bank 's guidance, I went to add my banking information again. To verify that I had the correct information, I left my original banking information in my account and tried to add it again. I copy pasted my details directly from my banking app and it showed that I could not add this account because it was already added. This contradicts the incorrect information Ed. Financial is using when they " attempt '' to put my payment through. 

I added my bank account information again and attempted a fourth payment today on XXXX. I also added a second checking account to attempt payment again today. I have now attempted to make XXXX payments, with XXXX showing as immediately reversed when they were " attempted '' because of " banking issues '' that appear to come from Ed. Financial not inputting information correctly.

The information for my bank accounts is correct and my name also appears to be correct in my Ed. Financial Account. But, for some reason, they keep reversing my payments and claiming it's my bank 's fault when XXXX ) I have given them the correct information to charge me XXXX ) they are clearly adding numbers to my checking account number and XXXX ) they are also combining my middle initial and last name when I attempt to pay.
Product: Mortgage

I have tried to resolve and pay off a loan that was borrowed by my father and his business partner who are now both deceased. I have reached out to this company over 10 times in the last XXXX months. They sent me a payoff letter and I wired them {$50000.00} on XX/XX/XXXX. They will not confirm payment nor respond to any calls or emails sent to establish authorization for me to discuss the loan and to see that I now own this property. Ive emailed as advised by a phone representative on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and everyday since then. No response at all.
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME : XXXXXXXX XXXX  ACCOUNT NUMBER : XXXX. This account does NOT belong to me. I want this account removed from my credit reports. Furthermore, it has many inaccuracies being reported. This account is in direct violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score  over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX XXXX XXXX XXXX XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of list account types from XXXX XXXX with a balance of {$29000.00}, XXXX XXXX  with a balance of {$210.00}, XXXX XXXX with a balance of {$470.00}, XXXX with a balance of {$500.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. 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 XXXX from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I received a letter dated XXXX informing that Benuck & Rainey had been assigned to collect a debt for XXXX. XXXX provided me with a medical device approximately 1 year earlier XX/XX/XXXX. XXXX 's billing process exhibited negligence and complete incompetence. They not only documented an incorrect service date, but also billed the wrong insurance carrier. I thrice informed them of the their mistakes and re-provided the correct information. Rather than correct their errors and get paid, they began billing me and ultimately assigned the debt to a collector. 

Within the 30-day window following receipt of the collection notice from Benuck and Rainey, specifically XXXX/XXXX/16, I responded by mail. In this letter I explained that XXXX was several times informed of how to correct their insurance billing error so that they 'd receive payment from the carrier. I stated that I dispute the validity of the debt, and also included a formal request that calls not be made to my cell phone number. I work evenings and my cell phone is partially paid for by my employer for work use. Benuck & Rainey has violated my debtor rights by continuing to make contact attempts ( numerous calls ; at least 2 since post-XX/XX/XXXX ) without first providing proof of debt verification, and by continuing to call a documented work number.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$1400.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$1400.00} Open Date XX/XX/XXXX XX/XX/XXXX Balance {$2300.00} Open Date XXXX XXXX, XXXX XX/XX/XXXX Balance {$910.00} Open Date XX/XX/XXXXXX/XX/XXXX