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 Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, 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. 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 : Payment made within the XXXX grace period : My payments were made on time, which falls within the creditors standard XXXX grace period. Therefore, the account should not have been reported as XXXX XXXX late. 
Clerical error by XXXX XXXX : Upon reviewing my account, I identified that my payments, which were made on time, were incorrectly processed as late due to a system error on the creditors part. This error led to the account being reported as delinquent without proper cause. 
Evidence Provided : I have attached my bank statements and payment confirmation emails showing that the payment was processed, clearly demonstrating that no XXXX late payment should have been reported. 
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: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXXL XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ALLY FINANCIAL. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and I would like to inform you of the inaccurate reporting on my creditfile. See list below. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. In pursuant to the FCRA section 609 ( A ) ( B ) ( C ) I would like the name, email address, the addressand telephone numbe r of the person who furnished and verified this derogatoryinformation with Transunion. Further I am also requesting verification of the dates, originalpayee information, amounts of any and all payments that led to this alleged debt beingplaced on my Transunion consumer file. All information in pursuant to the FCRA section 609should be mailed to XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I am disputing andrequestinginformation on the following. 

Account Name XXXX XXXX XXXX.Account Name -XXXX XXXX.Account Name -XXXX XXXXAccount Name-XXXX/ XXXX XXXX XXXX XXXX XXXX 
Account Name-XXXX XXXX XXXX XXXXAccount Name XXXX XXXX XXXX Failure to properly investigate the accounts listed above will result in a " non- verification '' which requires that the inaccurateinformation be immediatelyremoved from my credit file. 

If any item ( s ) return as verified please provide all records in regard to FCRA section 609. 
I also understand that the Fair Credit Reporting Act - specifically 15 USC sections 1681i ( d ) and 1681j - requires that I receive both written notificationof the appropriate corrections and updated credit reports at no charge. 
Thank you for your attention to this matter. 
XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me a notice of repossession for a carXXXX XXXX. ( I cured it by selling the car and paying off the balance IN FULL ). However, prior to me doing so, they repossessed the car ILLEGALLY by having the company they hired illegally walk onto our private property and break into our closed locked garage door... then removed the car! This is absolutely illegal. Repossession agents are not allowed to break into private property ( open a garage door ) to repossess a car. 

They then proceeded to act unethically and without any care in the world for how it affected my credit scores ... by inaccurately reporting it for years on ALL XXXX CREDIT BUREAUS, first as repossessed, then after many years they put redeemed repossession, both wrong. An illegal repossession can not be reported on one 's credit bureaus, the account MUST BE REMOVED ENTIRELY, or changed to ONLY positive reporting. I have written them for years, wasted so much time, emailing letters, mailing physical certified letters, and calling them requesting they remove my account entirely since it is inaccurately reported and has caused me serious credit damage. They REFUSE to correct my credit report and are still reporting it as repossessed. 

Please make them remove the entire account. They should also pay me damages for causing me credit damage. Sincere thanks.
Product: Credit reporting or other personal consumer reports

This letter is a formal request regarding the student loan debt ( s ) that you have reported on my consumer credit report. Please be advised that this is NOT a refusal to pay but a request sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). I am disputing the validity of the alleged debt ( s ), and I am requesting proper validation. 
This is NOT a request for mere verification of my mailing address or other peripheral information, but a formal demand for competent evidence that establishes my legal obligation to pay this debt and the right of your office to report it to consumer reporting agencies. 
Specifically, I request the following : Account Name : DEPTEDNELNET Account Number : XXXX, Amount : {$2000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$3500.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$2000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$3500.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$5500.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$2000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$5000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$1000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$5000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$45000.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$4500.00}, Date Opened : XX/XX/XXXX Account Number : XXXX, Amount : {$3000.00}, Date Opened : XX/XX/XXXX Proof of Debt : I respectfully demand that you provide a copy of the original wet-ink promissory note or other documents that serve as the foundation of the alleged debt ( s ) you claim I owe. The absence of such documentation violates my rights under the FCRA, FDCPA, and any applicable state laws. You must provide evidence proving your legal authority to report this debt. 
1. Failure to Provide Proof : Should you be unable to furnish the original promissory note or other valid documentation within 30 days from receipt of this letter, I request that you immediately cease reporting this account to any and all consumer credit reporting agencies and remove it from my credit file. The continued reporting of unsubstantiated debts is a violation of the FCRA and may also constitute fraud. If no response is received within the 30-day window, I will pursue all available legal actions to ensure compliance.

2. Correction of Consumer Report : If your office decides to remove the accounts from my report, I request written confirmation of this removal, along with written verification from the credit bureaus that the accounts have been deleted.
Product: Mortgage

Over the last year dealing with Fifth Third has been a nightmare to the point that now I'm about to lose my home for doing what I was suppose to do. It's almost like they are trying to force me into foreclosure or force me to take their government hardship funding. I promise you, you need to look further into this bank. I do have XXXXXXXX XXXX XXXX XXXX and I have consulted an attorney I need some assistance here I don't know what else to do. Please ask the bank to listen to the call from XXXX XXXX Office of the President on XX/XX/XXXX at XXXX XXXX. I took the call from the office now a days almost every office is connected to a camera. I asked security to allow me to review the footage, everything she told me is recorded because I spoke to her on speaker phone. Per the conversation they finally received the tax payment that they claimed at first, I did not pay on top of that they did not fix it until I pointed it out once again! They explained that my mortgage would be corrected however when I made the new payment amount for XXXX, Fifth Third followed up with another letter stating that it was not enough. At first, I was told the {$3400.00} that was a double payment would be applied to my account now Fifth Third which was not true. This is unreal how they are treating me, I XXXX XXXX XXXX XXXX XXXX XXXX, I will reach out to every person I know in the media if this is not resolved. Please help I'm begging please help me. 

Please note on the email I sent on XXXX, the tax amount was still not applied to my mortgage account in no form however per the letter they sent it was received on XX/XX/XXXX. Check the information from XXXX XXXX to Treasurer the amount was refund on XX/XX/XXXX and cashed on XX/XX/XXXX the same date I sent the email about the problem, but they said they received the payment on XX/XX/XXXX. 

I have attached a portion of the conversation from XX/XX/XXXX, the phone will not allow me to upload the entire 20 minutes. However, per the bank they have the recording, please ask them to provide it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My TransUnion and XXXX  credit scores plummeted due to multiple balance increases. I called XXXX to see why this has happened and the woman said it shouldnt have and to file a dispute. Attached are the screenshots of the changes on both credit reports.
Product: Debt collection

X/X/17    - Re ceived notice to appear in court for a debt collection in the amount of {$14000.00} from Barclays Bank Delaware.       X/XX/17    - C hecked personal credit report confirming that debt was on my report and had been defaulted on.       X/XX/17    - Wrot e Barclays Bank Delaware letter informing that debt was not mine and requested validation of the debt under the " Fair Debt Collection Practices Act '' and the " Fair Credit Reporting Act ''. Requested proof of signature for debt.       X/XX/17    - Letter  was delivered via  USPS  certified mail and confirmation of pick up sent.     Date unknown - Received letter fro m Barclays Bank s tating debt was validated and enclosed a bill statement.       X/X/17    - Wrot e  Barclays Bank 2nd lett er again requesting written confirmation with signature of claimed debt.       X/XX/17    - Lett er was delivered vi a USPS ce rtified mail and confirmation of pick up sent.       X/XX/17    - Re ceived letter from Barclays Bank Delaware with enclosed application for debt . ( Noticed IP Address was i ncorrect and located in different city & state.       X/XX/17    - Receiv ed letter from  Barclays Bank that investigation is complete and debt confirmed. ( No acceptable evidence has yet to be s hown confirming the debt was accepted by me ).
Product: Mortgage

I have been trying to get a hamp loan they help one time and things got bad again. So I tried again and Wells Fargo rep told me to leave if I could not afford the house I have been never had a problem till the bottom of the economy crashed and then everything went bad. The lady at Wells Fargo went up 10 yrs and raised my rate. And it has killed me. So I called XXXX and they put on hold for 14 months and no help.Now I am in chapter XXXX and no one will help me. If I have a short sale they will loose XXXX XXXX dollars because I am under water bad and the house needs some repairs., They rather loose that money than give me a lower rate. I have used almost all my 401 k to survive and my has been XXXX with XXXX XXXX and my life has been turned upside down all I wanted was some help.
Product: Checking or savings account

On XX/XX/2020 I used Chase Banks online payment service to make an electronic payment from my checking account to XXXX XXXXXXXX XXXX for my monthly mortgage payment for the month of XXXX in the amount of XXXX. The payment was withdrawn from my checking account but was never credited to my mortgage. I was told by XXXX XXXX XXXX that the payment was never received. After filing a dispute with Chase, I was told that the payment was sent to XXXX XXXX XXXX and Reporting and was provided with a Proof of Payment sheet which I sent to XXXX XXXX XXXX XXXX XXXX and Reporting. I was informed via a letter from the mortgage company that the payment could not be found because the bank had not provided the correct information needed locate the payment, and because the transaction had the wrong account number ( when the payment was sent, the account number had defaulted to XXXX ). Chase has insisted that the information they provided is the only information they have and should be sufficient. They have let me know there is nothing more they can do to help. After filing a complaint against XXXX XXXX XXXX with the Consumer Financial Protection Bureau, I was told that another investigation was conducted and no payment was received. They urged me to work with Chase to have the payment reversed. I have attached a copy of Chases Proof of Payment sheet and two letters from XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX, stating that they have ceased collection, on the XXXX account for XXXX. It still remains on my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to reports inaccurate information on my report after several request to remove and initiate full investigation 1.XXXX {$1000.00} 2.XXXX XXXX  XXXX   XXXX  {$5500.00} 3.XXXX XXXX XXXX  XXXX {$26000.00} 4.XXXX XXXX  XXXX   XXXX {$4900.00} These accounts where all open fraudulently
Product: Student loan

During the perioid of XX/XX/XXXX to XX/XX/XXXX I was going through hardship being a single mom, trying to further my education plus being on the system. I struggle a lot with XXXX. I applied to have to loans payment reduce or pause until I was able to pay all bills on time. To my knowledge this was done. Finally 2-3 years later I am able to start paying some amount which is at a fixed rate, but what was not disclose to me is that XXXX XXXX or Navient report me last 90-120 days on my credit report. I barely have money, now I barely have credit!!! Also a victim of Identity Theft I been fighting now over a year to have my credit fix. I been fighting with the bureaus and now Navient that I was never late paying my loan, I filed the correct payment hardship so I would not be penalize for my struggle. I have gotten no where with the credit bureaus and also Naveint. This have place such a depress tole on my life I am thinking of filing bankrupt just to get some ease. I wish to just have the late payment marks on my credit report remove and the correct payment history I reported. I am not running for what I owe I will always repay any help from my Lovely Country but this is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a dispute letter to have a bankruptcy verified. 
On XX/XX/2020 Transunion credit reporting stated they verify this account and if I am not happy with the investigation, I can contact the court myself for verification XX/XX/2020 I send a letter of verification to the Bankruptcy court asking what is the method of verification with the credit bureau and also provided them a copy of my credit report to verify the listed account.This was sent certified and overnight XX/XX/2020 I received a responses back from the court house saying they don't verified anything with the credit bureau and the information I sent was not able to be located. 
XX/XX/2020 I sent Transunion a copy of the letter they sent, a copy of what the court house send me and asked them to please delete it under my rights of the FCRA. 
XX/XX/2020 I received a letter back from Transunion stating the item was once again accurate. I placed a call to them at XXXX XXXX  on XX/XX/2020 to have someone explain why haven't the item been deleted. I was told by the representative that the information I sent was not acceptable, that they go through a 3rd party called XXXX to verify. Once again you did not verify it, so you have to delete it. However the lady told me she will resubmit the dispute it wasn't nothing she can do
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 1- Collections Agency Name : XXXX XXXXXXXXXXXX XXXX  THIS ACCOUNT do NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT. 

2-XXXX XXXX XXXX XXXXXXXX. 

THIS ACCOUNT DO NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, XXXX I took out a payday loan in the amount of {$230.00}. It is now XXXX XXXX and I am still struggling to make the payment. I informed the company that I am going a serious financial hardship. They did n't really give me much time to make the payment. Since then I currently have a balance of {$310.00}, which is even more challenging. On XXXX XXXX I informed them that I can pay {$150.00} towards it but due to a recent XXXX  in the family I was not able to make the payment and they did not show any remorse or understanding.
Product: Debt collection

I mailed a certified Cease and Desist letter to their company on XX/XX/2019 pursuant to section XXXX of the Fair Debt Collection Practices Act. However, XXXX XXXX XXXX XXXX XXXX did not honor the letter. There company continued to contact me several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report indicates that M & T Bank reported a mortgage payment as 30 days late. 

Contacted M & T and representative assured there would be a correction and that proper payments would be credited On XXXX a payment of {$2800.00} was made. Unfortunately the payment was credited to only one month. However the payment was clearly for 2 months.

There has never been a 30 day late payment on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I recently challenged the validity of XXXX XXXX CO Account # XXXX ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information you used to verify this account in writing. If such documents can not be produced, please DELETE this account from my credit report immediately. 

What happened? 
The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been removed from your credit report. 

Source : Experian Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : CREDIT XXXX XXXX XXXX : XXXX XXXX XXXX Rock XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX
Product: Credit card

This account and inquiry are being demanded that you remove. I will be taking legal action on behalf of my information being used and XXXX XXXX not only XXXX. Forcing me to pay a debt I have no knowledge of, but XXXX. Harassing me and my family with emails, and mail about an account I did not authorize. XXXX XXXX has brought not only financial stress but emotional and physical stress onto my life. XXXX  XXXX, on XX/XX/2021, authorized a fraudster to use my name and obtain credit. This account was opened using my personal information. I have not personally signed any documents authorizing that XXXX XXXX even views my credit report. I HAVE FILED A POLICE REPORT on all the documents that were taken and have been used to obtain credit cards, accounts, phones, and much more using my name. When I lost my wallet, inside was my California ID, my social security card, medical cards, and other important information that was used to obtain this credit card. I have absolutely no knowledge of the account, how am I being held responsible of paying a debt I did not incur or even had any knowledge that this debt was incurred until I performed a credit check. Upon investigation XXXX XXXX is stating that they have investigated and determined that a phone number had been used to accept an access code for XXXX XXXX. This is not true. I have never received a call from XXXX XXXX personally about a verification code. My phone number was spoofed to make calls. They were able to make it appear as if calls or texts were coming from my phone number, I had no idea this was even occurring. The fraudster was able to use my phone number to defraud and illegally obtain a credit card amounting to {$3600.00}, using all my information and a spoofing service. I am demanding that XXXX XXXX further investigates this account. Remove the account. Update credit bureaus. Send me an updated credit report. Remove me from your database.
Product: Money transfer, virtual currency, or money service

PNC Bank for some reason refuses to integrate with major apps for transferring funds such as XXXX and XXXX.