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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against XXXX, XXXX, and TransUnion for their continued failure to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXX account. Despite my repeated requests for correction, including disputes submitted on XX/XX/XXXX, and XX/XX/XXXX, the errors remain unresolved, constituting violations of federal consumer protection laws. 
Discrepancies and Errors Identified Late Payment Reporting Discrepancy : A 30-day late payment for XX/XX/XXXX is reported inconsistently across the credit bureaus. However, my payment history reflects timely payments before and after this date, and no substantiated evidence of a late payment has been provided by the credit bureaus or the creditor. 
Inconsistent Data Across Bureaus : The closed date for this account is inaccurately reported or omitted by certain credit bureaus.

Payment statuses and account descriptions are inconsistent, with one bureau indicating Account closed by consumer and another marking it as Closed or paid account/zero balance.

Violation of FCRA Standards : Under 15 U.S. Code 1681i, credit reporting agencies are obligated to ensure the accuracy of consumer file information. This obligation has been disregarded, as evidenced by the unresolved errors in reporting. 
Failure to Provide Notice as Mandated by TILA : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The reported late payment for XX/XX/XXXX raises concerns about the creditor 's compliance with this requirement. 
Impact of Inaccurate Reporting The inaccurate reporting has significantly harmed my creditworthiness and caused undue stress. The lack of timely correction has further eroded my confidence in the accuracy and reliability of credit reporting practices. 
Desired Resolution Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit report with XXXX, XXXX, and TransUnion. 
Written confirmation from each credit bureau confirming the correction. 
If this issue is not resolved promptly, I will pursue further action, including potential legal proceedings and filing additional complaints with relevant regulatory agencies. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX, American Express and XXXXXXXX XXXX are all in violation of several of my rights as a federally protected consumer. They are in violation of the Privacy Act of XXXX " Charge offs are considered certificates of Indebtedness. 
Certificates of Indebtedness are considered XXXX by the XXXX according to XXXX  XXXX Publication XXXX. XXXX is not to be reported on consumer and credit reports. 
I would also like to point out XXXX XXXX XXXX, American Express and XXXX XXXX  are in breach of their Fiduciary Duties to me by failing to send me my copy b of form XXXX among many other things such as transparency, good faith, disclosure, accounting and loyalty. 

In addition, they are violating XXXX XXXX XXXX, it is illegal to report transaction history. 

Furthermore, according to their own XXXX filings under XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX ) American Express ( XXXX file # XXXX ) and XXXX XXXX ( XXXX file # XXXX ) agree they will not commit language fraud, however they failed to provide an open end credit card in compliance with the definition of open ended credit per 16 CFR 433.3.
Product: Debt collection

Procollect calls me every day for a {$220.00} debt that i owe to XXXX XXXX XXXX i already told them i would try to resolve this in XXXX pending if i get my settlement check or not they still keep calling me at XXXX
Product: Payday loan, title loan, or personal loan

I called in to dispute a late charge fee at U.S. Bank because I was not aware that I had missed a payment due to the fact that i had been unable to access into my acc. Earlier before, I had been granted access by a different agent into my acc. After, reviewing my account, i called and spoke with XXXX who was the first agent i spoke to dispute my charge and she attempted to make me believe that a fee could only be disputed after a payment had been posted. Therefore, if the payment showed pending, she would still not be able to do anything. She then only pressured me to make payment ( disregarding my request ). I was willing to make the full payment but i found this rationality odd. I then thanked her for her customer service and called back again. At this point, I'm speaking with XXXX who informed me that a reversal had been made on XXXX which is why she could not grant me this request. I then chose to request to speak with her Supervisor " XXXX '' but he too denied my request. He never recognized the fact that i had not been receiving the bills or that i had been blocked out of my acc to which i had just been granted. Very poor customer experience. I will be paying the XXXX XXXX dollar debt and ending my relation with this bank. I would however appreciate any help about the late fee ( its bad enough that my credit is affected due to a glitch error ). Yes, i could have called before but i was not aware my account was not up to date.
Product: Money transfer, virtual currency, or money service

I placed an online order ( XXXX ) with Travelex on XX/XX/2019 which was supposed to be delivered on XX/XX/2019 for XXXX Japanese Yen  costing me XXXX US Dollars. This order was not fulfilled by Travelex until 3 weeks later after I was already in XXXX and had to pay for additional money exchange. I know have received the money and want to return to Travelex for a full refund of the money and fees charged to me by Travelex. The company still has their internal systems down due to a hack into their systems which I understand but they have done nothing to make up for holding my money for more than a month. 

I expect Travelex to pay me back my money, fees and also add compensation due to holding my funds illegally without returning them by XX/XX/XXXX. If I do not receive my funds, fees and additional compensation by XX/XX/XXXX I will pursue additional legal action due to customer harm caused by Travelex.
Product: Credit card or prepaid card

2 months ago, i received a sealed gift card from my customer for my daughters birthday. I kept the card for XXXX shopping and i took it out today. However, it didnt allow me to use it, so i called the number on the backside. The customer service agent said someone already registered card. Since i just opened this card, so i never registered. Even the person who registered didnt match my name, my wife name, even my daughters name. I tried to solve this problem and asked what i can do, the customer service agent answered me to send the copy of card and the original receipt from purchase gift card. Gift card is gift card that i cant get the original receipt. She refused to answer any question since the information does not match. I tried to solve the problem any way, and kept asking, but nothing could be solved.
Product: Debt collection

I am disputing my XXXX credit reports of misinformation, inaccurate amounts, some information on reports that doesn't apply to me as the consumer but someone else with similar or same name. Never given the opportunity to correct the debts in question before it was sent to credit bureaus.
Product: Mortgage

I was selling my property and attempting to purchase a new mortgage. In the process I was notified I was late in several payments but had not been notified prior. After the inquiries I was told that was late in XXXX of XXXX  but I informed the person I spoke with that when I called on XX/XX/XXXX to make my payment the agent I spoke with told me I had an escrow refund and could use that amount to make my mortgage payment and all I would have to pay would be {$76.00}. I did and was not aware of any discrepancy until I was informed of my being late but I had not received any late notices. This made me a month behind. Also, due to me being placed in XXXX  XXXX I was told I could pay anytime of the month and not be late so I opted to pay at the end of the month. Once I received the payment history I was told it was just an unwritten rule. I asked several times for the printout of the recording and to be transferred to a supervisor but the supervisor was never in. This happened on at least five different occasions.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectity a violation regarding the reinsertion of previously deleted material into my credit report. 
I sent a letter to Experian notifying them of the reinsertion of the XXXX XXXX  account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, Experian has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. Experian actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Experian they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Suntrust mortgage # XXXX shows every month being " OK '' and never delinquent. It subsequently shows that the loan was satisfied in XX/XX/XXXX. Never was a late payment shown. When you move to XXXX, however, it shows a 30 past due balance that is delinquent. There were 2 loans closed on XX/XX/XXXX, and I have the HUD contract to show this. However, the loan in question shows delinquent in XXXX. If that were the case why don't both loans show as delinquent? How is it possible to be delinquent on a closed loan that shows satisfied with never a payment missed. If this document provides me the means I will upload the HUD statement. I have disputed it repeatedly with the credit agencies, and I have only heard back from XXXX so far. They agree that the delinquency should not be on my credit, but they will do nothing to remove it. I need it to be removed from both Suntrust and all three credit reporting agencies : XXXX, XXXX, and XXXX. 

I tried to get this information updated months ago, but instead of fixing the problem Suntrust then hit my wife 's credit report for the exact same thing. They weren't reporting it on her credit before even though we were both on the loan. Now it is hitting both of our credit reports when it should not. I suspect that when we closed the loan on XX/XX/XXXX that the person closed one loan and left the other loan as opened.
Product: Mortgage

I have closed on a home purchase with CMG. The closing date was XX/XX/2024 and it has been recorded with the county, I have a copy of the deed. I assumed a loan with CMG from the previous homeowner. When I try to access the account I am denied because it is still in the previous homeownwer 's name. I am told I can only contact the assumptions department through e-mail and my e-mails go unanswered for 13 days now.
Product: Payday loan, title loan, or personal loan

Original Purchase {$370.00} XX/XX/XXXX through XXXX ( line of credit account through Klarna ) Klarna.com - Payments ( account website ) I made payments made timely with no late payments. My personal email ( unrelated was hacked ) and I deleted the account immediately as it was affecting other open credit accounts. It was an urgent issue Klarna uses only your email address for logging into your personal account. I called and told them I needed my account updated for new email address. I was told to make a new email address and that updates could not be made to existing accounts. When I set up a new account and called back - I was told - KLARNA would need to set up a new account and to give them a THIRD email. I asked for final balance and to just pay by phone right then. They do not accept payments by phone and can not email an invoice or statement so I only could get bill pay information and final balance via email in writing.?????  Ok, fine. Balance according to them? {$65.00}. 

Final payment due : XX/XX/XXXX Final payment sent via bill pay ( before due date ) XX/XX/XXXX Late Fee notice sent via physical mail : XX/XX/XXXX Statement with INTEREST NOW!!! via physical mail : XX/XX/XXXX Late fee was because my payment was SHORT?? by {$2.00}. Why? Because ACTUAL balance was {$67.00}. Hence, {$2.00} balance, late fee, interest ( even though payment not late, amount in writing from Klarna and STILL NO ACCESS TO MY OWN ACCOUNT TO CONFIRM MYSELF. 

Call/email Klarna : XX/XX/XXXX STILL HAVE NOT UPDATED ACCESS TO ACCOUNT : told me would waive late fee but no confirmation number, no email confirmation and can not talk to anyone else. But need to send Bill PAYMENT of  {$4.00} ( wont cover their error or interest ) Meantime, my payment will be late in 6 days ... guess what their solution is? Wait 7-10 after I send the payment, then call back and if there is another late fee - they will waive again ... ... .what happens if more interest happens?? This goes in a loop. This is fraud and stealing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX  XXXX, Last four of account number XXXX, Account name : XXXX XXXX, Last four of account number XXXX, Account name : XXXX XXXX XXXX, Last four of account number XXXX, Account name : XXXX XXXX XXXX, Last four of account number XXXX, Account name : XXXX XXXX XXXX XXXX Account number 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.

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

this company failed to provide proof of verification multiple times and refused to remove bad debt from my credit report this violates so many laws and will be reporting to XXXX  of this fraudulent information. told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXXXXXX XXXX XXXX ALSO THESE 2 ACCOUNTS ARE THE SAME PEOPLE UNDER 2 DIFFERENT NAMES " Original creditor : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX '' Account name XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2015 I was approved for a car loan ; Credit acceptance the loaner. 
The car was a lemon and after two year of financial hardship, called the company to turn the car in and have no more payments. 
Owed on the loan {$2000.00} which I could not pay because of loss of job. 
Last payment made XX/XX/15 of {$220.00} The company is still reporting me thirty days late and now owing {$8700.00} Please help me, its ruined me.
Product: Mortgage

Since Green Tree Servicing has taken over the servicing of my home loan they have relentlessly called me every time my payment was even a day past due, sometimes XXXX times per day. They have also ( on XXXX occasions ) falsely reported to the credit bureaus that I have been 30 days delinquent on my mortgage. They are difficult to contact and just plain rude when I am able to get hold of someone. I do n't understand how a company such as Green Tree is allowed to operate using such malicious tactics.
Product: Credit card or prepaid card

I have best buy credit card through citi bank and i noticed from my credit monitoring account that the account has been closed by the creditor and i have received no communication from the bank. Neither by email nor by paper mail which the bank has been claiming that they have sent. 
I am requesting to please look into this because reapplying for the account will effect my credit score as i have already got effected when I applied it for last time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$24000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Subject : Debt Validation Request Account Number : XXXX Date Opened : XX/XX/XXXX ________________________________________ Dear Sir/Madam, I am writing to request validation of the debt referenced above, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). I am disputing the validity of this debt and requesting that you provide me with the following : 1. Proof that the debt belongs to me ( including the original creditor 's name and the total amount owed ). 
2. A complete payment history from the time the account was opened until the most recent transaction.

3. Verification of your authorization to collect on this debt on behalf of the creditor.

4. The exact loan type and terms of the revolving account, and whether it is classified as a credit card. 
Please cease any collection activities until this information is provided in writing and I have reviewed it for accuracy. Additionally, if this debt has been reported to credit bureaus, I request that you notify them that the debt is under dispute until validated. 
I expect a response within 30 days, as stipulated by law, confirming or dismissing the claim. Failure to provide this documentation will confirm that the debt is invalid, and no further contact will be necessary. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, I opened a personal checking account. As part of my responsibilities to a student organization, I have to collect membership dues and deposit them to a separate account, and I wanted a temporary checking account as an intermediate to store any dues transferred to me digitally, which I would close in a few months after all the money was withdrawn from the checking account and deposited to the organizations proper account. The account was solely for the purpose of keeping these dues separate from my personal finances. After creating the account, I set up XXXX as a convenient option for students to pay their dues. After receiving five XXXX transactions totaling {$150.00} on the same day, the next morning, XX/XX/XXXX, Capital One sent me an email saying that there was suspicious activity on my accounts, and my accounts would be restricted until I called them. After doing so, I was told that the suspicious activity in question was the five XXXX transactions, and they wanted to confirm that everyone that XXXX  me was someone I knew personally to ensure that I wasnt using the personal checking account for a business or organization. When I obtained phone numbers and provided them for verification, Capital One said none of the numbers could be verified, and told me I had to visit a Capital One XXXXXXXX branch with all the individuals who XXXX me with their photo IDs to verify their identities and relationship to me. I do not own a car, I can not drive, and I can not access all my funds because {$150.00} of membership dues to a side account has been flagged so that all of my accounts are restricted.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an incorrect Bankruptcy listed on my Equifax and XXXX credit reports, I believe it belongs to somebody else who has a similar name to me and has been mistakenly placed on my reports. I have been disputing the error with the bureaus since XXXX of XXXX, but they have not removed it. I have done my research and I know that the courts do not report or verify information with the bureaus so I requested that the bureaus provide information on where they got the Bankruptcy info from. Equifax responded once in XX/XX/XXXX, stating that they got the info from XXXX. I know this is impossible because XXXX confirmed to me over a year ago ( In XXXX of XXXX ) that they investigated and found the bankruptcy to be an error, resulting in its removal ( see attached document ). XXXX has never responded to me even once, despite my monthly disputes sent via certified mail. Not responding is a violation of FCRA regulations.