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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax 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 XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was made on time. I paid the amount due well before the due date. I have attached bank statements and a payment confirmation that show the payment was processed successfully and on time. 
Furthermore, the account was closed by me in XX/XX/XXXX, and there was no balance owed at the time of closing. The late payment report appears to have been a clerical error in the final account closure process. 
No notifications or warnings were provided to me about a potential late payment, and I received no communication regarding any delinquency. This suggests that the report of a late payment is incorrect and should be removed. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax 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 TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score 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 XXXX
Product: Student loan

In XX/XX/XXXX, I received a message that I was part of the automatic full relief group in the XXXXXXXX XXXX XXXXXXXX case, and that I would be reimbursed by XX/XX/XXXX, along with these loans removed from my credit report. 

I had the loans originally with Salle Mae, which then went to Navient as part of their restructuring ; and ultimately a couple of years ago I refinanced them with XXXX due to the interest rate accrual with Navient seeming wrong. As far as Navient or Student Aid looked at it, these were paid off, as they were now sitting with XXXX via a loan. As such, I have been expecting a refund from the portion paid to Sallie Mae / Navient which was mentioned would be reimbursed under the conditions of the case. I also expected these to have been removed from my credit report. 

To date, these have not been removed, and I have yet to receive any refund, or an update to my case. I sent a few messages to StudentAid.gov, who mentioned that the situation sat with Navient and to follow up with them. I reached out to them, who originally told me I needed to go back to StudentAid.gov to handle my case. So, it just went around in circles. I then received an update from Navient, indicating that my loans did not qualify for reimbursement. I inquired a few times why this was the case. The loans were Federally backed loans originally with Salle Mae ; I had no choice that it was converted to Navient. Further, even with Navient ; all but one of my loans indicated they were federally backed, including the interest that indicated " The interest rate on your federal student loans is set by federal law '' further showing that these were federally backed loans. They all had the same interest rate, a much lower rate then my higher private loan with Navient. 

I still have not been able to get any updates, or refund. I would appreciate any help which you may be able to provide, to ensure this reimbursement and update on credit report is expedited.
Product: Money transfer, virtual currency, or money service

Hello, XXXX XXXX XXXX was in charge of this account as a trustee she was appointed by XXXX XXXX XXXX. She didn't release my funds when she promised and asked to pay more state Tax for Tax Fraudster XXXX XXXX. I discovered that deceptive scheme and I reported to U.S. Treasury Inspector General for Tax Administration ( TIGTA ), to arrest them and FBI invited Lawyer XXXX XXXX for an investigation then let her go home. and she said The Police and FBI gave her a power to collect whatever she wanted from me, she asked me to pay a proposedly unattended fee of {$7500.00}, and The FBI asked her to withdraw and step down as executor and trustee. As we have seen XXXX XXXX hasn't had any fiduciary duty for that money. legitimately, I'm the beneficiary for the funds of XXXX in JPMorgan Chase Bank XXXX 
So I'd like to authorize CFPB Ombudsman to help me to claim that amount of funds Thank You
Product: Credit reporting or other personal consumer reports

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date open XX/XX/XXXX states that I had a late payment on XX/XX/XXXX but before this showed another date, since I have started asking for the dates to be corrected, they just keep moving around one 30day late which never happened. This was sent to me on Report XXXX XXXX of Experian Issued XX/XX/XXXX. In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

im trying to dispute 2 items on my credit report, fraudulent XXXX XXXX and the one 30 day late on my XXXXXXXX XXXX mortgage account.. XXXX will not open a dispute because is was previously disputed im trying to provide them with documentation such as my police report and FTC report they will not investigate my claims.. XXXX is the worst company to deal with all the employees are overseas probably stealing our info and selling it Also including XXXX and Equifax in this, these need to be removed as well from my credit file thanks for your help
Product: Debt collection

Asked for the name and address of original creditor, Did not cease collection after notified of dispute. No contract with them, power of attorney was revoked to able to assign. No contract, harrasment and false statement on letters, never returned a response by affidavit, defaulted by not answering never sent a true bill. I am not deceased.
Product: Mortgage

Citimortgage charged me with fees related to foreclosure while I was in a chapter XXXX bankruptcy. These fees were not approved by the bankruptcy court. Also the attempts at foreclosure occurred while I was under the protection of the SCRA, while XXXX with the XXXX in XX/XX/XXXX-XX/XX/XXXX. My chapter XXXX was discharged in XX/XX/XXXX, and all debts that were approved by the court were paid. Despite my discharge, Citimortgage has refused to remove the fees. I am preparing to refinance and the fees will have to be paid before I close.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX dispute letters for XXXX to remove this XXXX  # XXXX that does not belong to me and does not have my last name. They did not respond to 2 of my disputes only 1 and said it was verified by the courts and it was not because I contacted the court and the court sent me a letter that said they did not share information with XXXX which means it was not verified and they need to remove it off my credit file.
Product: Debt collection

I get 2-4 calls a day from XXXX. I try to answer every time. I believe they are a debt collecting agency for XXXX. I have a current XXXX account. I have stated to them several times not to call me again. They continue to call and harass me. This is my cell phone number. How many times can I tell them to stop calling me? If I had an address for them, I would send them a written cease of communication notice.
Product: Mortgage

Is it lawful to be used as collatereal damage? 

My loan were originally serviced by XXXX XXXX XXXX and then serviced by company XXXX ; now this third transfer in 3 years and this company XXXX XXXX! 
Documents are lost and payments never applied to my loan ... 
The loan amount was XXXX in XXXX XXXX Now XXXX years later XXXX XXXX states I owe them XXXX estimate.to resolve this loan and to retain my property. 
I was in bankruptcy for 5 years and XXXX XXXX was XXXX and I paid payments through the Bankruptcy XXXX and did not miss a payment! 
These are unlawful fees and fabricated fees used as collateral ...
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$36000.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$38000.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$31000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$10000.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, resulting in unauthorized accounts, inquiries, names, and addresses on my Experian credit report. Despite submitting multiple disputes with supporting documentation, including an FTC Identity Theft Report, Experian continues to report these items as " verified '' without providing evidence of their investigation process, violating 15 USC 1681i. These inaccuracies include : Unauthorized AccountXXXX 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 : Inquiry made on XX/XX/year>, without permissible purpose. 
Unauthorized Addresses All addresses except XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are fraudulent and must be deleted. 

Violations of FCRA 15 USC 1681c-2 : Failure to remove fraudulent accounts resulting from identity theft.

15 USC 1681b : Allowing unauthorized inquiries without permissible purpose.

15 USC 1681e ( b ) : Failure to ensure maximum possible accuracy in reporting.

15 USC 1681i : Failing to conduct reasonable investigations into disputes.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Establishes the duty to conduct thorough investigations. XXXX XXXX XXXX Creditors Assn : Highlights the impermissibility of unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXXXXXX : Reinforces the obligation to ensure data accuracy. 
CFPB Lawsuit Against Experian The Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian has highlighted systemic failures in dispute handling, verifying data accuracy, and ensuring compliance with federal laws. These failures mirror my experience with Experian. 

Impact and Request Experians actions have caused significant harm to my creditworthiness, financial stability, and mental well-being. I demand the immediate deletion of all fraudulent accounts, inquiries, and addresses from my credit report and proof of compliance with FCRA and XXXX XXXX reporting standards.
Product: Credit reporting or other personal consumer reports

This is my 2nd attempt to get this matter resolved. I've submitted my previous letter to 3 credit bureaus. I have no clue what in the world the credit bureaus trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with by them. These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to delete the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from my report ASAP : 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 XXXXRIAN XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I financed a vehicle on XX/XX/2021 from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. On XX/XX/2021 went back to dealership to cancel a Ford ESP Maintenance Plan in the amount of {$490.00} that was listed on the finance contract. Finance manager refused to cancel and refund the maintenance plan. Contacted Ford Protect Administration on XX/XX/2021 and they cancelled the maintenance plan and sent refund to dealership on XX/XX/2021. On XX/XX/2021 I contacted the finance manager on the status of refund and was told there is no refund and the {$490.00} belongs to the dealership. Finance manager will not send refund to Ford Motor Credit to apply to my account. I have contacted Ford Motor Credit and was told to file a complaint with Ford Motor Company which has also been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020. I went to XXXX XXXX to check if i could be approved for a loan. I made sure to make clear that my credit would be ran through only once for the indicated loan. My credit was ran a total of six times. The Inquiries go as follow, XXXX, XXXX  XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX  XXXX, XXXX/XXXX  XXXX. As a result of these inquiries my credit score decreased a total of 40 points. I only gave authorization for one credit check and the rest were done without my consent.
Product: Debt collection

I received a letter from Capital Accounts dated XX/XX/2019 that says I owe XXXX XXXX   {$360.00}. Following are the facts on that billing to me ; -- I got a procedure done at XXXX XXXX XXXX XXXX and apparently XXXX XXXX provided XXXX  and some supplies at that practice. 
-- I got bills from XXXX XXXX XXXX XXXX, a XXXX, a XXXX and XXXX XXXX. They all had filed the insurance claim and I needed to pay 10 % of the covered amount as per my insurance situation. 
-- XXXX XXXX filed claim only for XXXX service and I am supposed to pay {$25.00} for that. But the bill I received from XXXX XXXX was {$270.00}. I called them on XX/XX/2019 and then on XX/XX/2019 but the lady could not answer the charges. Finally a manager called a few days later and told me that apart from {$25.00} for XXXX there is a {$250.00} charge for supplies that was not billed through insurance because XXXX XXXX is not in the network ( of my insurance ). 
-- On XX/XX/2019 I talked to XXXX XXXX XXXX XXXX where I received the services and asked them why did they hire someone to provide supplies who was not in my insurance network. They said that they will talk to XXXX XXXX and it has to go through insurance. 

So, I only owe {$25.00} to XXXX XXXX and did not pay their bill of {$270.00} as they refused to correct it. I checked all the consent papers I signed at XXXX XXXX XXXX XXXX and I never authorized anyone to provide me services or goods from out of my insurance network. So, I only owe {$25.00} to XXXX XXXX and did not pay their bill of {$270.00} as they refused to correct it. I checked all the consent papers I signed at XXXX XXXX XXXX XXXX and I never authorized anyone to provide me services or goods from out of my insurance network. 

This charge of {$250.00} is a rip off, it is amazing how XXXX XXXX is in network for XXXX   service but not in the network for supplies. I never ordered any supplies or services from XXXX XXXX. I understand they work with XXXX XXXX XXXX XXXX where I got service and I have paid every component of that service which was legit. If they send me a corrected bill I will be glad to pay off {$25.00} for XXXX service. If any other charges are legit they can go through the insurance and I will take care of my portion as required. 

I sent dispute letter to Capital accounts and they keep sending me bills. Over the phone they told me that they consider the charges legit based on what merchant says. It is not their job to validate the charges.
Product: Credit reporting or other personal consumer reports

Plaza services attached a collection on my acct XXXX unaware of what this is for and its not listed. I am requesting for the removal of this account. This is causing me a financial hardship.
Product: Credit card or prepaid card

I applied for an Ashley 's card finance through Synchrony on XX/XX/22 got approved for {$3900.00}. Ashley was so XXXX that I bought 2 items they were advertised for {$1900.00} a piece the sales man XXXX stated that he'll give me both pieces for {$1400.00} a piece. I'm like cool right. Wrong on line the sofa was {$1500.00} marked down to {$1100.00} and the love seat was {$1400.00} marked down to {$1300.00}. So original price less that what they stated they were giving me a deal for. 

Sent the sales man a text never responded back. Got the furniture on XX/XX/22 and the love seat was missing a piece. Called customer service and the rep stated that since I had an issue she was refunding the delivery fee back of {$220.00}. 

Cool so I drove to the store since the Sales man never responded back and showed him the ad. He got his manager involved, basically I was told that since the Sofa was delivered I couldn't get the {$300.00} difference back because all purchases were final, however he would give me the difference back for the Love Seat because it was an exchange. It took forever and a lot of foot work but final that went back to my Ashley 's card. 

That same Sales man sold me 3 barstools and loaded them into my car. Got home and one of the barstools was broken. Called him back and he basically stated all sales were final. This company is a rip off. No one has nothing good to say about Ashley 's except the quality is good but service is horrible. 

My disputes is it's XX/XX/XXXX and I still haven't received the delivery fee back. Customer service said they refunded it back to my Ashley card and Ashley card say they never received it, in which is true as my balance doesn't reflect.
Product: Debt collection

On around XX/XX/year>, I received a packet in the mail from Transworld Systems Inc., containing 36 invoices ; some addressed to me, although I do not owe money to XXXX of XXXX. The intended debtor is XXXX XXXX, my XXXX grandmother, who does not reside with me and is financially and mentally incapable ( due to XXXX ) of paying the invoices. She is receiving XXXX  care at a XXXX home in XXXX  I contacted XXXX on the company website to let them know that this is not my debt and to stop sending mail to my home as it is harassment. I am not legally responsible for my grandmother 's debt, so I want any and all forms of communication to stop.
Product: Credit reporting or other personal consumer reports

This is a formal complaint and demand for accountability and compensation for the harm caused by SafeRent, a rental screening company that has accessed, distributed, and reported my personal consumer information without my authorization, and in doing so has violated my rights under the Fair Credit Reporting Act ( FCRA ) and related federal statutes. 

SafeRent produced and distributed a consumer report about me that contained inaccurate and damaging information, which I never consented to share. As a direct result of this, I was denied housingmultiple timesand my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and I were subjected to emotional distress, hardship, and public humiliation. The company has since deleted the inaccuracies, implicitly acknowledging the errors. However, the damage had already been done. 

These violations were not harmless. They resulted in : Loss of access to safe and stable housing. 

Emotional distress and mental anguish. 

XXXX XXXX to my young children. 

Public embarrassment and a violation of my dignity. 

Time, energy, and emotional labor spent correcting SafeRents errors. 

SafeRent had no permissible purpose to access my report as required under 15 U.S.C. 1681b, and their inaccurate reporting violates 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy in consumer reporting. Whether through willful misconduct or gross negligence, SafeRent has failed its legal and ethical duties.

What makes this even more egregious is that even after the inaccuracies were removed, I was denied housing again, this time due to a rental score still being reported by SafeRent. I have never consented to SafeRent scoring or profiling me in any way. I was not made aware of how this score was calculated, what factors were used, or whether it was still relying on previously removed or unverifiable data. 

This continued denial, based on a non-transparent and unauthorized score, shows a pattern of harm and a failure to ensure accuracy in consumer reporting, in clear violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681b Lack of permissible purpose to access my consumer report.

15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy.

15 U.S.C. 1681g Failure to disclose full details of my file, including how scoring is determined. 

These violations are not technicalities. I am a human being and a father. My children and I have endured repeated housing denials, stress, and emotional sufferingwithout ever consenting to be scored, profiled, or judged by a private company like SafeRent.
Product: Credit reporting or other personal consumer reports

Credit Inquiry for a Capital One Credit Card without my knowledge. Likely fraud. Contacted Capital One so that they can freeze the credit card. There is an inquirer on my credit report however that has effect my score. XX/XX/23 was the date.