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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting for XXXX XXXX Account Dear CFPB, I am writing to formally dispute the inaccurate late payment reporting on my XXXX XXXX account ( # XXXX ) reflected in my Experian credit report. Despite two prior disputes filed on XX/XX/XXXX and XX/XX/XXXX, no corrections have been made to this account. The continued inaccuracies are a violation of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). The account also has discrepancies and errors in its reporting dates, payment history, and balance details, which are outlined below : Account Details : High Balance : {$38000.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$18000.00} Account Status : Open Payment Status : Current Monthly Payment : {$680.00} Two-Year Payment History : Reflects an inaccurate 30-day late payment for XX/XX/XXXX. 
Discrepancies : Date Inconsistencies : The " Date Reported '' ( XX/XX/XXXX ) and " Date of Last Activity '' ( XX/XX/XXXX ) conflict, suggesting incorrect reporting. 
Inaccurate Late Payment : The 30-day late payment for XX/XX/XXXX is incorrect and unsupported by the accounts payment records. 
Balance Details : The balance of {$18000.00} differs from the amounts reported to XXXX and XXXX for the same account. 
Relevant Legal Violations : FCRA ( 15 U.S.C. 1681i ) : Requires credit reporting agencies to investigate and correct inaccuracies promptly.

TILA ( 15 U.S.C. 1666b ) : Mandates that creditors send periodic statements at least 21 days before the due date, ensuring no unfair penalties for consumers. 
PAANL : Reinforces creditors ' responsibilities to provide accurate, timely statements to protect consumers from erroneous reporting. 
Desired Resolution : Immediate removal of the inaccurate 30-day late payment from my credit report.

Written confirmation of the corrections made.

Assurance that this account will be reported accurately in the future. 
I have also submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to address these inaccuracies. If these issues are not resolved promptly, I will consider escalating the matter further, including legal action. 
Sincerely, XXXX XXXX XXXX
Product: Debt or credit management

CREDENCE RESOURCE MANAGEMENT Last reported XX/XX/year> {$3400.00} Open balance CREDENCE RESOURCE MANAGEMENT Original creditor
Product: Vehicle loan or lease

On XX/XX/XXXX there was a robbery and my car was stolen. I have Gap insurance. At the time my car was payment was paid 3 weeks in advance. When my car was found it was totaled. XXXX inspected it XX/XX/XXXX and deemed it a total loss. I sent all the documents in and XXXX cut Bridgecrest a check. Bridgecrest informed me that GAP would kick in once they received the payment from XXXX. The check just reflected on my Bridgecrest account history this week. I am getting messages about payment. I called Bridgecrest to see what was the hold up. I was told that it would take 4-6 weeks for gap to kick in after tomorrow and that I would have to keep paying my payments until they finish the paperwork. I have another vehicle now I can not pay 2 car payments because they are trying to milk more money out of me. They also informed me that they would report to the credit bureau as not being paid. I need for them to do their job and push the gap insurance through because that is what it is for.
Product: Credit reporting or other personal consumer reports

Discover Bank, charged off an account but failed to send the 1099c. I have requested 1099c but to date I have not received any response from Discover nor have I received the 1099c.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, Experian and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX XXXX, account number XXXX ; 2. ) XXXX, account number XXXX ; 3. ) XXXX, account number XXXX 4. ) XXXX, account number XXXX 5. ) XXXX XXXX, account number XXXX 6. ) XXXX XXXX XXXX XXXX XXXX, account number XXXX ; 7. ) XXXX   XXXX, account number XXXX ; 8. )  XXXX XXXX XXXX, account number XXXX ; 9. ) XXXX, account number XXXX ; 10. ) Bankruptcy, case number XXXX ; 11. ) Bankruptcy, case number XXXX ; 12. ) Bankruptcy, case number XXXX ; 13. ) Bankruptcy, case number XXXX 14. ) Federal Tax Lien, {$170000.00} Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Product: Debt collection

I may have asked them to stop calling, I am not 100 % sure, however, I have a personalized voicemail on this line, with my name.

Mechanics Bank Auto Finance has left at least 7 voicemails over a short time span, using more than one number to call. It seems like they change numbers every time I block the number on the phone.

I want this stopped! This phone number is used only by my minor child, though my voice and name are on the voicemail.
Product: Debt collection

Early XXXX  there was a fraudulent account that was reported on my credit report from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I later found out the company was hired by XXXX XXXX. I contacted XXXX to have the accounts removed. After 5 months of investigating it was determined that the account was indeed fraudulent. I received a letter from XXXX stating that they will have the account removed from my report. However XXXX XXXX XXXX did not remove the account, they just reported it as paid which is still having a negative impact on my report. I have tried to dispute the account with TransUnion over 3 times but they still keep coming back with the account being accurate. I have filed police reports, mailed proof of the accounts being fraudulent but they refuse to update my account. I would like to report these three companies. XXXX XXXX, TRANSUNION and XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted documentation to all 3 credit bureaus on XXXX XXXX XXXX bureaus did not respond within the 30 days granted by law and all listed accounts are in direct violation of the law. 15 U.S.C. 1681 section 604 STATES THAT Consumer Reporting Agencies such as Experian, XXXX and XXXX can not furnish and account without my written permission. 15 U.S.C. 1681 section 602 States that I have the RIGHT TO PRIVACY. A consumer report means any written or oral communication bearing a consumers credit worthiness. A consumer report excludes or does not include transactions or experiences soley based on information between the consumer and the person making the report. The accounts listed below are fraudulent and should be removed immediately. The bureaus have not responded in the time allowed by law and they are blatantly breaking the laws set forth. 

XXXX XXXX Account # XXXX Bankruptcy XXXX  XXXX Ref # XXXX all credit inquiries should be removed because I haven't applied for any new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third report towards XXXX. When my account was first opened in XXXX, 2016, I was uninformed that the card was a pay in full at the end of each month. This unintentional error caused my account to be closed. I immediately attempted to resolve the debt and made a payment arrangement. When the payment arrangement was handled, I called back to update the arrangement and pay a payment sooner. After this payment was made, another unauthorized payment was made. This unauthorized payment resulted in 8 months of headache and anxiety as I attempted to collect my money back. I made 2 CFPB complaints. The first was resolved stating that XXXX refunded my money. They never did even though I was told on three separate occasions via telephone that a check was being sent. The second CFPB complaint finally resolved the issue. I was issued a refund check 7 months after the initial unauthorized payment. I paid my account in full and now I need to have my credit report fixed to show that no late payments were made, as XXXX refused to help during the time they held my money without authorization.
Product: Credit reporting or other personal consumer reports

Im writing to address multiple errors in my credit report. Several of my payments have been inaccurately marked as late, even though they were made on time. These mistakes are harming my credit score and misrepresent my payment history, it shouldn't even be reported on my credit in the first place.
Product: Credit reporting or other personal consumer reports

Equifax, please see police report for identity theft that I submitted to you. XX/XX/scrub>XXXX  via CFPB portal these inquires are fraudulent. Please remove ASAP. 
XXXX XXXX XXXX XXXX
Product: Mortgage

My son has a property and has a very high interest rate. He is working XXXX. I have Power of Attorney for all his business. We decided to refinance since he would receive notices in the mail from Bank of America or when I would make his payments the tellers would remind me about that. We started the process in early XXXX of this year and by the end of XXXX we were supposed to close. They just needed a verification of employment for him. All we had was the address that on his paystubs, but I was able to get a number for someone in Texas. They were the hardest people to work with as I would call or email and not hear for days from them. 
Well, the straw that finally broke the camels back was when I called the person who was in charge of his file and she told me that she could no longer help us because of the job verification situation. She told me to call another person, I called him on a Friday and had to leave a message. On Monday afternoon I called and his voicemail stated he was on vacation, and his voicemail gave me someone else 's number to call. I did that and got the same voicemail and to call another person, I called that person and the same thing. Everyone was out of the office on vacation and would n't be back for a week. I do n't know how but i finally received an email from someone stating that they were sorry that they could n't help us and they had closed the file. 
My biggest gripe is " did anyone call the number I provided to verify his employment '' or did someone just drop the ball. 
My son has paid his mortgage payment on time and has great credit scores. He wants to refinance since he ca n't sell due to the fact that the home 's resale value is less than what he owes. 
Can you provide me with the contact number where I can file for the Bank of America vs DOJ suit where people have been helped by receiving lower interest rates or payoff assistance.
Product: Credit reporting or other personal consumer reports

Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX a resident of XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year>
Product: Credit card

I continue to dispute this account on my credit report and it seems like there not doing due diligence to the consumer, they obviously take the fraudulent company word for everything. I closed this account on my own still being charged late fees, I have made three {$40.00} payments and payment for {$120.00}. The card limit is only XXXX XXXX dollars if the job was getting done correctly with the dispute they would see they forgave {$60.00} returned payment fee which obviously wasn't credited because they are still including it
Product: Money transfer, virtual currency, or money service

I purchased a knife for {$320.00} and sent payment via PayPal under the impression that this would be under purchase protection. I was sent a much cheaper folding knife than I ordered. I communicated with the seller who stopped communicating with me when I told him I had received a much cheaper knife. After disputing the charge with PayPal, the company claimed that the knife was not eligible for purchase protection. This is contrary to their acceptable use policy which fails to explicitly say anything regarding automatic knives. No reasonable reading of the acceptable use policy would lead someone to conclude that their purchase would not be protected due to the broad, inexplicit language used. This means that as long as someone is defrauding by pretending to sell a certain knife via PayPal, they are free to defraud PayPal customers.
Product: Credit reporting or other personal consumer reports

filed a dispute on { XXXXXXXX XXXX XXXX  XXXX XXXX } due to { not attending the school ( XXXX XXXX XXXX XXXXXXXX }. and i also filed a dispute to have account number XXXX ( XXXX XXXX XXXX ) remove. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { XXXX XXXX XXXX  }. Experian violatesmy rights as a consumer, as well as federal laws.
Product: Credit reporting

Being a XXXX man I pay all my bills on time and have no bad lien against me and trans union kept giving me poor credit score.
Product: Mortgage

SunTrust / Truis is not being helpful with mortgage forbearance during the pandemic. I am out of work due to the Corona virus and am attempting to be pro-active in not falling behind with my mortgage. 

I have called Suntrust everyday since Friday XX/XX/XXXX. They have a special number for their Mortgage Solutions team XXXX. After being on hold for four hours the line automatically goes dead. This has happened to me three times now. I have no idea how to get a hold of a customer service agent to help me. 

This is not how a company should be run.
Product: Credit card or prepaid card

Did not receive any merchandise, received an email ( see attached ) stated : There was not enough supporting documentation or evidence to move forward in the dispute process. As of the date of this notification, we closed your claim. Called customer service, claiming once the claim is closed, then it is closed, there isn't any way to re-open it.
Product: Debt collection

Today, I received a collection letter for a debt that was discharged by Judge XXXX, in XXXX, Alabama, around XX/XX/1987. I will have to say they have very long memories but I definitely remember this event because it was a terrible memory in my life, and now, 31 years later some of this debt has resurfaced again after it has long since been forgiven by the Bankruptcy Court.
Product: Debt collection

I owed XXXX around {$550.00} in XXXX and in XXXX, my wife received a large settlement due to a lawsuit and we paid off all of my debt, including this bill from the collection company Credit Collection Services. I paid them through an automatic system at a " 50 % discount '' that they claimed I qualified for, and now 3 years later, I am receiving the exact same letter with the same " qualifying discount '' even though I already paid them. They told me they have no record of my payment and I even found my bank statement showing my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy XXXX XXXXXXXX-dismissed US BKPT CT XXXX XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX ; Bankruptcy XXXX XXXX-discharged US BKPT CT XXXX XXXXXXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX Bankruptcy : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX is reporting on my personal credit file with 3 credit reporting agencies. These public records were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agencies & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the bankruptcies removed from my file.
Product: Debt collection

This is a fraudulent account, ending in XXXX and I am requesting for this account to be removed from my Chex System report. As this unauthorized account is hindering future banking relationships. I am a victim of identity theft and fraud and this account was reported when observe.See attached documents of my information being exposed in several data breaches and sold on the black web from XXXX to XXXX. This was also reported to the credit bureaus, a identity theft report was done via web and all credit bureaus have deleted the fraudulent information/accounts associated. I also have been affected due to the pandemic ( Covid-19 ) and wish to not have any added stress at this time.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB 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 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 : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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: Credit card or prepaid card

Chase has closed my credit card without explanation. I reached out to the customer service and was told there's nothing they can do and they won't tell the reason. I have been having this credit card for a long time and I put most of my spending on this card. It has great peaks and I like this card a lot. The only flag I would see here since it is my main credit card and I used it to purchase a lot of XXXX XXXX XXXX tickets and some of the tickets got returned so there are some refunds that put back to my card after XXXX months later. Other than that, everything else are regular, normal day to day spending.
Product: Debt collection

I closed my account at Chime about a year ago and this company refuses to send me my closure check. I have made several attempts to contact and get a resolution but was always lied too by the agents. I have been going through this with this company for months and they have consistently harassed me with emails stating false information and protocol that they did not follow.
Product: Credit reporting, credit repair services, or other personal consumer reports

law offices mba showing on XXXX  FTC violations
Product: Checking or savings account

Suntrust account transferred to Truist, called to close XXXX XXXX account. Agent instead messed up account, when the merger happen the debit card I received did not work. Escalated to XXXX XXXX, I closed account awaiting months for new working debit card. 

Account charged off XX/XX/XXXX, on my new truist account they recovered XXXX on XX/XX/XXXXXXXX  due to the old account having returned item fees. No one including XXXX XXXX relations manager in XXXX NC or recovery dept can resolve this. Essentially the bank is taking money for me for an account that should have been closed, and has return fees only ( XXXXXXXX XXXX fees ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called ( In XX/XX/XXXX ) about these disputes even talked to the companies and they say I must deal with the credit bureaus. I was told they would all be deleted.

All the credit bureaus have or had fraud alerts yet I am never notified until someone tries to access my credit. Almost daily or weekly I am getting hit with inquiries. I know they are n't mine I have identified what belongs to me and attached to a open account.

Experian Hard Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX attached to account-legit XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX attached to account-legit XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX