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

Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XXXX XXXX XXXX of Complaint : On XX/XX/year>, I submitted a dispute to Experian disputing a XXXX payment reported by. XXXX XXXX XXXX referenced the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Truth in Lending Act ( TILA ) ( XXXX XXXX Code XXXX ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I have never made a late payment to this company. 
I finished paying my loan in full. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 
Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 
Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX i submitted a claim for several upon several transactions that i had not authorized via XXXX XXXX  wells fargo completed an investigation with claim number XXXX, and determined that for the claim that was {$3200.00} i was in fact right and errors did occur, they gave me a final credit on XX/XX/XXXX for the amount of {$2300.00} - clearly missing money in this {$830.00} to be exact, then i find out ON TOP, THEY missed SEVERAL OTHER TRANSACTIONS I HAD SPECIFICALLY ASKED THEM TO ADD to the claim. 
so now they opened a new claim, yet again claim number XXXX for 44 other XXXX transactions, i since then got a new debit card and had this investigated. so im asking if someone can expedite my funds coming back to me, because your " bank '' is supposed to protect you, no instead i get a notice saying that they are ending their relationship with me, of course the day i file the claim XXXX XXXX  up on. im going to be talking to a lawyer and filing a class action lawsuit against wells fargo, for misleading practice, and false promises and deception. i want my money back, from the first one the correct amount and i want the new one to be credited to being this was supposed to have taken place WEEKS ago, now they want to close my account with 0 reasons given, go figure typical wells fargo. good thing the local and national news will be seeing and hearing about this this week! 
i want am email explaining to me where my funds are and when i'll be receiving them so i can move them to a new bank.
Product: Debt collection

XXXX XXXX XXXX XXXX has been reporting a debt on my credit since 2015. I have continuously tried to contact this company in regards to information they are providing on my credit report. I have sent out several letters within the past couple months and received no response. I have also had some mail come back undeliverable to their address which was obtained through the information they have provided on my credit report. I have continually asked for information regarding what this debt is and have received no verification, validation, nothing. By failing to provide this information this company is violating the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to do anything, I have even called and talked to someone and explained I can not make payments to Comenity and neither can hundreds if not thousands of others and XXXX states there is nothing they can do and will continue to enable Comenity to report us as delinquent over 3 months. Is anyone overseeing a bank that has had a systment shutdown since XXXX and credit reporting agencies that favor companies over individuals! I don't understand how these complaints can go unsolved. Why are we being punished with lower credit scores when Comenity is at fault, because we can't make payments! Also, on XX/XX/2022 Comenity sent this reply in regards to complaint XXXX : We previously responded to correspondence regarding this same matter with our letter dated XX/XX/2022. We verified we're reporting the account correctly to the credit reporting agencies. We're required by law to report factual information. The account terms are explained in the Credit Card Agreement. When payments aren't received, are made for less than the minimum required, or are received after the due date cutoff time, the account will become past due, and may be reported to the credit reporting agencies. As a result of our system updates, a hard inquiry was inadvertently added to the credit report. We requested the credit reporting agencies remove the hard inquiry. It may take up to 45 days for the credit reporting agencies to update their records. While conducting scheduled system updates, we have limited ability to access account information and service accounts. Additionally, our representatives may not be accessible and online account access is temporarily suspended. We are in the process of addressing outstanding technical issues and restoring full service functionality. Account information is fully protected while we work on completing the system updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian-NCAC several times at all their associated XXXX XXXX XXXX, XXXX, XXXX. They are still stating that several items that are on my Credit Report are mine when I have sent both XXXX & XXXX XXXX XXXX results to them asking why they found errors and Experian-NCAC did not. Experian-NCAC constantly sends me letters stating they will not reinvestigate the derogatory items without relevant proof. I have provided many copies to Experian-NCAC and they are still my lowest score, reporting accounts that are not mine. This is very frustrating especially when I am literally handing them the proof.
Product: Debt collection

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1.  Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Debt collection

UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT YO NO PROOF OF THE spute as to submit certai ALLEGED DEBT, d to check the status c NOR THEREFORE ANY XXXX XXXX SUCH DEBT, IN FACT EXIST!
Product: Payday loan, title loan, or personal loan

My complaint is related to the general, vague and subjective verbiage of this wording in the promissory note. 'Any origination fee amount in excess of 5 % is refundable on a prorated basis over the term of the loan when and if the loan is paid in full prior to its maturity date. ' I paid a 6 % origination fee and have paid the loan off almost 50 months early. I have called several times as well as sent several email communications to inquire about how the origination fee refund is calculated. I read the promissory note several times as well as looked on their website for specifics into how the origination fee refund is calculated. The verbiage is too vague, general and subjective. No one I have talked to can tell me how they calculate the origination refund. It is rather disappointing that representatives would not know how to explain what should be an easy calculation when it is referenced in the promissory note. I just want a clear understanding of how the refund amount is determined. Is it the difference between 5 % and 6 % prorated or is it the full 6 % prorated and what is the prorated formula?
Product: Credit reporting or other personal consumer reports

I am a victim of the equifax data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ). ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX   Date of Inquiry : XX/XX/XXXX The above listed inquires are fraudulent I have contacted all creditors listed and they have all failed to provide me with documents bearing my original signature.
Product: Checking or savings account

I XXXX XXXX is writing in reference to an account that was recently closed by chime with an balance left in my spending account and credit builder account. They closed my account out of nowhere without access to my funds. I am now facing eviction and being without power due to Chime holding up my funds. I have XXXX kids and don't want to go through the hardship of being homeless because Chime is holding up my funds. I request that they expedite my funds so I can handle this eviction process.
Product: Credit card

I have been receiving documents from XXXX/Capital One Credit Services addressed to someone who does not live at this address and who I have never even heard of and is not related to me in any way whatsoever. I have called and written to XXXX/Capital One and told them this, and also told them to contact the person and get their correct information, but they keep sending me his or her bills, etc. I do not have any accounts with them, so it 's not like this is a mix-up. Someone entered some information incorrectly on their end, or there 's some fraud going on. I do not want this person 's information to end up on my credit report somehow because it 's getting sent to my address by mistake. The person listed on the correspondence is " XXXX XXXX ''.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 XXXXXXXX, 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

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these XXXX, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuits highlighting significant issues with the platform. Despite using Zelle numerous of 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 funds was unfeasible. The CFPBs 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. The lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Debt collection

On XXXX XXXX 2016 I received a call stating I owed XXXX to XXXX from afni. I called XXXX they have NO record of me as I have NEVER had XXXX. Now on XXXX XXXX I received a bill from afni and XXXX verified I had no responsibility to this! afni XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX is the address on the notice
Product: Credit reporting, credit repair services, or other personal consumer reports

I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error.
Product: Credit card or prepaid card

I'm filing a complaint in reference to my Account XXXX American Advantage Platinum Select Credit card wants to hit me with late charges {$19.00} XXXX, total {$19.00} the pending charges was {$19.00} and was not paid on time. 

l didn't know about my charges because Platinum Select decided on their to send my statement paperless. 

Explained my situation and stated that I have been banking with Citibank since XXXX and I have never seen this type of shakedown! 

My account has been in auto pay mode for many years, and all of a sudden this service was disconnected. 

Citibank records indicate that on XX/XX/XXXX I lost my credit cards and I was issued a new card! At that point, this auto pay service was disconnected and very conveniently I was not informed. 

During this pandemic, I have not paid my rent, my electricity and so forth.And I plead with the credit card company to waive the so called late fees, and was told " we are not in the position to waive or delete these charges! '' American advantage, had signed my account paperless without my permission, I was unable to see my account online because of security issues. 

I have been banking with Citibank since XXXX. At this point, I feel the credit card company is being abusive! its position as a credit card institution doesn't give them the right to dismiss my legit and valid explanation!! 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX under Account # 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, credit repair services, or other personal consumer reports

Gm Financial and XXXX XXXX  are reporting on late payments made in 2020 without any consideration for Covid or the pandemic. I have requested that this information be updated to show pandemic or something but they are blaming the CFPB and saying that they aren't required to. 
The picked and choose which months qualified but the entire year after XXXX was under a pandemic.
Product: Credit reporting or other personal consumer reports

They said they would call me in 48 hours and never did. My credit is destroyed over {$78.00} dollar in back payment
Product: Mortgage

AAG ( American Advisors Group ) sent me notice & an email saying " They no longer hold the XXXX XXXX # XXXX XXXX XXXX XXXX XXXX After a complaint XXXX & XXXX was filed with CFPB, AAG insisted they are no longer responsible for mortgage stating that XXXX ( XXXX XXXX XXXX ) is now responsible for the loan. However there is NO record of XXXX registered with XXXX. XXXX bank account at XXXX ( Acct # XXXX ) was CLOSED & XXXX filed for XXXX  XXXX Bankruptcy. Also XXXX denied they had the Lien under CFPB complaints I am requesting AAG send a Notarized Letter of RELEASE OF LOAN # XXXX ( FHA Case # XXXX addressed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attached Files shows Attempts to pay off the mortgage in Full XXXX  Bankruptcy Letter AAG email of no longer managing the LIEN
Product: Credit reporting or other personal consumer reports

In addition to the following information XXXX is in violation of 15 U.S. Code 1692g - Validation of debts ; I sent a dispute more than 30 days ago and according to federal law they must remove the disputed information for not providing me with documentation to prove the validity of the alleged information. I kept record to prove they received my complaint - Tracking Number # XXXX. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Subject : Demand for Immediate Removal of Charge Off and Violation of 15 USC 1611 Dear Sir/Madam, I am writing to dispute information in my credit report that I believe resulted from identity theft, as per my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2. 
The following information is not related to any transaction or activity performed by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that these items be blocked from my credit report in accordance with my rights under the aforementioned law. 
Attached to this letter are copies of the following documents : 1. Proof of my identity [ describe the document you're using as proof of identity, such as a driver 's license or passport ] 2. A copy of the identity theft report, ( I have a Federal Trade Commission Identity Theft Report and a police report ) 3. A statement explicitly declaring that the disputed information does not relate to any transaction or activity performed by me. 
I respectfully request that you act promptly on this matter, as the law requires you to block the reporting of this information no later than four business days after the receipt of these documents.
Product: Bank account or service

Scottrade Bank Manager XXXX XXXX XXXX instructed me to provide me personal information in a manner that is insecure ( via unencrypted email ). Roughly 10 days after providing the information as XXXX XXXX request, my account was hacked. Scottrade refused to make my account whole and said I was responsible for the hack. 

To warn other consumers, do not trust this company. At the current time Scottrade will not even address my concerns. 

Attached is the correspondence between myself and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent Dispute letters for those inaccurate and unknown accounts on my Credit Report but it's over 30 Days today I haven't received any response. I was a victim of XX/XX/XXXXData Breach. I demand to Remove ASAP those accounts or I will file a litigation.
Product: Student loan

I made a complaint about my pslf not being granted. I was told it was because I have not made XXXX eligible payments and only have XXXX that are eligible. On the website, I started counting payments labeled qualifying payments. I counted from XXXX and stopped counting when I had counted XXXX that were labeled as qualifying. I also saw that my qualifying employer status was removed in 2022, even though I did not change employers, making several payments not show as qualifying. I would like those payments to be counted. I tried to call and was on hold for over an hour.