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

XX/XX/XXXX Subject : Final Request for Removal of Inaccurate Late Payments XXXX XXXX XXXX Account Dear CFPB, I am filing this complaint regarding the failure to correct inaccurate information on my credit report for the XXXX XXXX XXXX account ( # XXXX ). Despite submitting prior disputes on XX/XX/XXXX and XX/XX/XXXX, the incorrect reporting of late payments for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX has not been addressed. 
The inaccurate late payment reporting contradicts the following laws : Fair Credit Reporting Act ( FCRA ) Violations Under XXXX XXXX CXXXXe XXXX, credit reporting agencies are required to ensure the accuracy of the information reported in consumer files. In this case, no updates or corrections have been made to rectify the discrepancies, which continue to harm my creditworthiness. 
Truth in Lending Act ( TILA ) Violations According to XXXX XXXX CXXXXe XXXX, creditors are mandated to provide periodic statements at least 21 days prior to the due date. The continued reporting of these late payments raises questions regarding compliance with this statute and has caused unjust damage. 
Discrepancies and Errors Noted Across the Credit Bureaus Account Information Account Number : XXXX High Balance : {$24000.00} Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Current Term Length : 79 Months Account Type : Auto Loan Discrepancies Across Credit Bureaus XXXX XXXX Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX despite the account being current. 
The account was last verified on XX/XX/XXXX with no updates or corrections since the previous disputes. 
XXXX : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which do not align with the payment history listed. 
The account was last reported on XX/XX/XXXX but remains inaccurately reported as having late payments. 
Equifax : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, even though the payment status shows " Current. '' The account was last reported on XX/XX/XXXX, with no correction made despite previous disputes. 
Desired Resolution I am formally requesting the immediate removal of the inaccurate late payment notations from my credit report across all three credit bureaus. Additionally, I request : Written confirmation of these corrections. 
An updated copy of my credit report reflecting the accurate status of this account. 
If this issue is not resolved promptly, I will escalate this matter by filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for damages caused by these inaccuracies. 
Thank you for addressing this matter promptly. I look forward to your written confirmation of the correction. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2023 I received an email from Movement Mortgage verifying that payments I made in advance were being applied to extend my due date to XX/XX/2023 with a leftover credit of XXXX to ne applied toward XXXX 's payment. 

They were notified XX/XX/2023 that my bank account was closed due to fraud and my automatic payments were discontinued. 

In attempting to get payment address for a cash payment to be sent in XXXX, I was notified that I had {$150.00} in returned check fees for XXXX, XXXX, and XXXX, when no payment was due. My payment was extended from XX/XX/XXXX, to XX/XX/XXXX, with the additional principal I had already paid on the loan. 

They are refusing to take off the returned check fees for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on a closed account, with NO payment due Your help is appreciated, Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They continue to call even when I have told them to stop calling and I was not paying a debt I don't owe. The debt was not correct and they haven't changed it so I am not paying it until fixed. They continuously call me multiple times throughout the day and I have repeatedly told them to stop
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXXXXXX # XXXX : Balance : {$290.00} Account Name : XXXX XXXX XXXX # XXXX : Balance : {$430.00} Account Name : XXXX XXXX XXXX # XXXX : Balance : {$960.00} Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX : Balance : {$9800.00} Account Name : XXXX  # XXXX : Balance : {$660.00} Account Name : XXXX XXXX XXXX  # XXXX : Balance : {$55.00} Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  XXXX # XXXX : Balance : {$470.00} Account Name : XXXX XXXX XXXX # XXXX : Balance : {$450.00} Account Name : XXXX XXXX XXXX # XXXX : Balance : {$660.00} Account Name : XXXX XXXX XXXX # XXXX : Balance : {$550.00} Account Name : XXXX XXXX XXXX # XXXX : Balance : {$1000.00} Account Name : XXXX XXXX  # XXXX : Balance : {$1000.00} XXXX Account Name : XXXX XXXX # XXXX : Balance : {$340.00} Account Name : XXXX # XXXX : Balance : {$820.00} Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX : Balance : {$4900.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Let me start by explaining our personal situation. My wife is a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In XXXX of this year my wife was XXXX to XXXX Texas to work in the XXXX  ward of a XXXX 's XXXX. 
During her XXXX this time she was unable to avoid contracting XXXX herself. She was quarantined in XXXX of XXXX  in Texas alone. My wife handles all the finances. I was alerted that we had a 30 day late on our credit report. I called the creditor which is CarMax auto finance to try to make this correct. While sitting alone with a fever in a hotel quarantined, she had apparently made the payment on time but transposed numbers in our bill pay and it was {$40.00} short. I immediately tried to render that they would not allow me to do so. I told them I never received a phone call and verified they had my number I was told they sent me a notice as legally they are required to do in writing, to date I have never received a notice of any kind. I don't get a monthly bill from them, I don't get a monthly e-mail reminder from them. I initially set this up to autopay and we just always know when to pay it. I pointed out to the lady on the phone we've never received any sort of mail or correspondence other than solicitation from CarMax auto finance. I have over and over asked what their policy for during the pandemic was, I know they were offering payment abatement etc but when I'm asking for anything regarding a situation where a nurse XXXX to help XXXX  infected patients becomes infected they said it's against their policy to do anything. My wife and I are very distraught over this and wonder if our last name was XXXX and not XXXX if we were at have this same issue. One does not have to look far to see the XXXX profiling of the XXXX community. I have look at what our options are for resolution on this and I have read the CFPB website and followed the recommendation to reach out to the creditor. I also saw or CFPB has issued guidance to creditors in regards to how to handle XXXX  related delinquencies I do not feel as if CarMax auto finance policies in any way respect the guidance CFPB has issued, in fact I read the guidance to two different parties I spoke to and they said that is just guidance we are not required by law to do anything and until it becomes law or policies will not change.
Product: Mortgage

This is the 3rd complaint that I have filed against Midland Mortgage for their failure to post my payments to my loan. 
Currently I am receiving assistance through the Texas HAF program. My XX/XX/2023, XX/XX/2023, and XX/XX/2023 payments were sent by HAF to Midland Mortgage ; who received those payments on Friday, XX/XX/XXXX. Today is XX/XX/XXXX and my payments have not been posted to my loan. The total amount past due was paid. I am still within my grace period for my XXXX payment and will pay that payment once I receive funds from my student loan on XX/XX/XXXX. There is no excuse for my payments being held by Midland Mortgage. They continue to hold my payments and show a past due status and charge my loan for erroneous late fees. Why are they getting away with this?? They held my payments that were sent in XXXX and held them for almost a full month before posting them. This is against the law and I do not understand why they have not been reprimanded. This is a FHA loan and payments received must be posted immediately. Please help me.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of incorrect accounts from my credit report. Can you review the documents? Some accounts listed have inaccuracies in reporting, amounts, and dates.
Product: Credit reporting

i have paid XXXX medical bills that were in collection on XXXX XXXX of 2016 but TransUnion still is not reporting them as resolved.
Product: Debt collection

Reported date XXXX for {$290.00} for Progressive Insurance I had sent them a certified mail with a notarized affidavite stating 1. I do not own any vehicle 2. I never have any contract with Progressive ( asking for copy ) 3. I have vever made any payments to Progressive 4. I never received any mail from Progressive
Product: Credit reporting

I have disputed this bankruptcy before several times with XXXX & Experian and the outcome of this bankruptcy was discharged which means it does not exist in the courts, XXXX has removed it from my report but XXXX & Experian has fail to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unlawful Use of A Negative Item On My Report From XXXX  outsoucing ( XXXX XXXX ) creditor i didnt sign my info to
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a Victim of Identity Theft. I contacted the Federal Trade Commission and filed a Complaint # XXXX and contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Account Number XXXX Account Type Credit card Individual Date Opened XX/XX/XXXX. {$1100.00} past due as of XX/XX/XXXX. 


XXXX XXXX XXXX  XXXX  {$6200.00} Paid, closed Date opened XX/XX/XXXX Loan Amount {$6200.00} U S DEPT OF EDXXXX {$0.00} Paid, closed Date opened XX/XX/XXXX Balance Loan Amount {$2300.00} Date opened XX/XX/XXXX Balance Loan Amount {$1900.00} Closed Date opened XX/XX/XXXX Balance Loan Amount {$4200.00} XXXX  XXXX {$4600.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$7800.00} Reported XXXX XXXX limit {$7500.00} Opened XX/XX/XXXX Amount past due {$7800.00} XXXX XXXX  XXXX XXXX {$5500.00} Opened XX/XX/XXXX XXXX XXXX  XXXX XXXX {$3700.00} Reported balance Highest balance {$3900.00} Opened XX/XX/XXXX XXXX & XXXX XXXX Last reported XX/XX/XXXX {$3900.00} Reported balance Opened XX/XX/XXXX XXXX & XXXX XXXX {$1400.00} Highest balance {$1400.00} Monthly payment {$0.00} Opened XX/XX/XXXX XXXX XXXX {$6200.00} Opened XX/XX/XXXX XXXX XXXX {$5500.00} Reported balance Opened XX/XX/XXXX 2015
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed some accounts that I do not recognize and I have not authorized. I believe I have been a victim of Identity Theft. There are several mistakes and inaccuracies regarding the account status. I am demanding this account be immediately removed off my credit report. 

Bankruptcy XXXX XXXX I have contacted the District Court and they have confirmed that they have not given any private information in reference to this account.

I also have attachments along with this complaint containing the correct information.

28 USC 1746 Unsworn declarations under penalty of perjury
Product: Debt collection

Ive sent A identify theft affidavit.. to the credit bureaus as a victim of fraud ive been challenging this accounts and its being put back on my account I have tried countless of times.
Product: Credit reporting or other personal consumer reports

Recently, I looked in a copy of my credit report and I noticed several of inaccuracies in this account. This account is hurting my ability of obtain credit. It is my understanding that you guys will investigate these terms for to ensure accuracy. 
Her is the item that I'm asking you to verify as accurate. 
Experian 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several items on my credit report to Transunion and XXXX regarding XXXX XXXX XXXX XXXX. I never knew WHO, WHAT or WHERE this debt came from and I asked both the company and both credit reporting agencies as PROOF of this debt. There was no proof of this being my account, and yet, it remains on my credit reports as a CHARGE-OFF.

XXXX XXXX XXXX  is yet another collector using illegal practices. I graduated from XXXX  in XXXX  of 2016. And yet, this company has listed this as a NEW debt 4 years later. I have never even heard of these people. Old debt can't be listed as new debt.
Product: Debt collection

XXXX either cell phone or cable bill of XXXX, XXXX XXXX have proof I never received service with them anytime.i always have had XXXX  that is a government agency phone service.. now I know about it and XXXX said that I needed to report it because it is damaging my credit, plus it fraud due to me not knowing about it.. I came up here in XXXX XXXXalso I have been living at XXXX XXXX XXXX now for XXXX yrs.first I stayed in XXXX XXXX, for XXXX XXXX with my mother XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX taking care of her.then she moved out, XXXX, I then moved in with my uncle XXXX XXXX XXXX to his XXXX XXXX at the end of still at XXXX but I moved in XXXX XXXX with my uncle.that was in the end of XXXX and I stayed with him until XXXX of XXXX is when I moved out of XXXX XXXX to move in with now my fiance sense XX/XX/XXXX and been at my address dents then.witch is still at XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXso I don't know how they were able to get my information and damage my credit.
Product: Credit reporting or other personal consumer reports

This can't be happening!! This company must remove the as you need to validate this account!
Product: Payday loan, title loan, or personal loan

I received the following email from Paypal today : Hello XXXX XXXX, We wanted to remind you that you currently have a PayPal Credit account that is not linked to a PayPal account. 

How PayPal Credit Works PayPal Credit is a digital, reusable credit line. When it is linked to a PayPal account, it can be used anytime by checking out with PayPal at an online store and selecting PayPal Credit. 
Special Financing Basics PayPal Credit offers No Interest if paid in full in 6 months on purchases of {$99.00} or more. 

If you do not pay the promotional purchase in full in 6 months, interest will be imposed from the purchase date at the variable Annual Percentage Rate ( APR ) that applies to new purchases made on your account when the promotional purchase is made, which as of XX/XX/2019 is 25.99 %. This APR will vary with the market based on the prime rate. Minimum monthly payments are required with this promotional offer. See terms. 

This is not an introductory offer and is available on every purchase of {$99.00} or more when you checkout with PayPal and select PayPal Credit. 

You can begin using your credit line by linking it to a new or existing PayPal account.

I never signed up for this product. I believe that PayPal has had prior CFPB action taken against it for this exact behavior.
Product: Debt collection

This is the 3rd time I have filed a complaint over this account that was with another company. Please delete this fraudulent account from my credit report from COMMONWEALTH FINANCIAL {$810.00}. I will file a LAW SUIT if they do not remove my name and personal information from their ( COMMONWEALTH FINANCIAL ) database. COMMONWEALTH FINANCIAL was required to notify me no later than 30 days after furnishing the negative ZOMIE account information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, COMMONWEALTH FINANCIAL failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) COMMONWEALTH FINANCIAL failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation COMMONWEALTH FINANCIAL is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where COMMONWEALTH FINANCIAL is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.COMMONWEALTH FINANCIAL has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Student loan

In XXXXXXXX XXXX, I contact my student loan servicer, Heartland ECSI, to obtain my upcoming monthly payment amount. I was told that I owed {$2400.00} for interest that accrued over several months during my deferment while I was still in school. I called ECSI to ask what my regular monthly payment would be once I made the lump sum interest payment, and was told that the {$2400.00} would be my monthly payment amount as well. I responded that this monthly payment amount was too high for a {$25000.00} student loan. The customer service representative continued to argue that it was correct and I asked to speak with a supervisor. I was told that no supervisor was available, then I was placed on hold while the representative conferred with another team member. When the representative returned, she told me that if I paid the {$2400.00} interest that accrued, I would get a statement the following month showing me my regular monthly payment- which would likely be around {$500.00} or so a month. I used my income tax return to make said payment, and the following month I received a statement from ECSI stating that my next monthly payment is again {$2400.00}. I also wrote and mailed a letter to the company asking to be contacted about this unreasonably high payment and was never contacted. In addition, last year this company sent me to collections for just over {$700.00} in interest without ever notifying me by mail, email, or phone that I owed this amount. Again, I got nowhere with their customer service and had to write letters to the three major credit bureaus. After contacting these bureaus, suddenly my account was no longer in default. I firmly believe this company is mishandling my loan and will not provide me with accurate or true information.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 4 yrs ago i was a victim of identity theft my credit was being pulled and account were made that was not me their also alot of inquiry that i did n't authorize from XX/XX/XXXX till XX/XX/XXXXlike car loans credit cards and other agencies
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off an auto loan with XXXX a couple years ago. XXXX XXXX XXXX has 2 late payments on my credit for that car when I was never late. I set up the payments to come out of my account. I had some trouble getting the payment to process and was assured by customer service reps the payment was made. The payments were always made. I contacted them via mail, over the phone and through the bureaus about the dispute but they refuse to remove this incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remedy resolve, correction of damages to my credit. These damages of fraudulent and incorrect filing on my credit report have been devastating to my life. I gave not give permission to any of these fraudulent claims reported, the address is incorrect, XXXX XXXX reports eight late payments while XXXX reports 13 all from car max, the inaccurate fraudulent auto lone defaults need to be removed from my credit report. 
I do not consent 15 U.S. Code 1681s3 15 U.S. Code 1666b 15 U.S. Code 1679c 15 U.S. Code 1681i
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$5900.00} XX/XX/XXXX NOT PROVIDED XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C , 1681section 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 an 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 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 account is currently reporting as a charge-off. Im requesting a 1099-c for this consumer credit transaction.