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

I am writing to express my frustration and disappointment with the lack of response to the disputes I submitted to XXXX, XXXX, and Experian regarding inaccurate information on my credit report. Despite providing detailed documentation and listing the violations they were making to my consumer report, it has been over 30 days, and I have yet to receive any response. 

This failure to address my concerns is unacceptable. The violations of FCRA 605 ( c ) and FDCPA 809b demonstrate a blatant disregard for consumer rights and legal obligations. 

I demand immediate action to rectify these violations and ensure that my credit report accurately reflects my credit history. Enclosed, please find copies of all letters previously sent to your agency for your review and reference. 

Failure to address this matter promptly and effectively will leave me with no choice but to pursue legal action to seek restitution for the damages caused by your agency 's negligence. 

I expect a prompt response detailing the steps taken to address and rectify the inaccuracies on my credit report.
Product: Debt collection

this account has been billed two times in one month on two accounts this month why i printed the statement to show that they also gave me a credit from my account using my funds to do so and charged me over ate fee when they used my funds for credit from my account i printed this statement as well
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payments Dear CFPB, I am writing to formally dispute inaccurate late payment entries on my TransUnion credit file for my account with XXXX XXXX XXXX  ( # XXXX ). These reported late payments do not accurately reflect my payment history and, I believe, constitute a violation of my rights under federal law. 

Nature of the Complaint : Inaccurate Reporting of Late Payments : The late payments indicated in my TransUnion credit report are incorrect. As I have been consistently enrolled in autopay for this account, my payment history should reflect 100 % on-time payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccuracies on my report violate the FCRA, specifically 15 USC 1666 ( b ), which mandates accurate representation of consumer creditworthiness. Incorrectly listed late payments can have a detrimental effect on my credit score and misrepresent my reliability as a borrower. 
Possible Violation of the Fair Debt Collection Practices Act ( FDCPA ) : False reporting of payment information may also violate the FDCPA, which protects consumers from deceptive and misleading representations related to their accounts. 
Noncompliance with the Truth in Lending Act ( TILA ) : The inaccurate reporting of payment information further violates the TILA by failing to ensure the accuracy of reported credit information. 
Additionally, the Fair Credit Reporting Act, sections 15 U.S. Code 1681i and 15 U.S. Code 1681sXXXX2, requires credit reporting agencies and information furnishers to ensure maximum possible accuracy in consumer reports. 

Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), both willful and negligent noncompliance with these accuracy standards may result in civil liability, including compensation for actual damages, attorneys fees, and potential punitive damages. 

Requested Resolution : I request an immediate and thorough investigation into these inaccuracies. I expect TransUnion to correct my credit file by removing all erroneous late payment entries for this account, accurately reflecting my commitment to timely payments. 

Please confirm the correction of these entries in writing within 30 days of receiving this letter. Failure to resolve this matter within the given timeframe may result in further action to enforce my rights under the FCRA and other applicable consumer protection laws. 

Attachments : I am including supporting documentation to substantiate my dispute, including personal identification, account status reports, payment records, and prior correspondence related to this matter. 
Thank you for addressing this matter with the urgency it deserves. I trust TransUnion will uphold its responsibility to ensure the accuracy of my credit report and correct these errors swiftly. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Ive filed multiple complaints against LVNV funding for attempting to collect a debt not owed by me. Please see the attached report showing they removed the charges from my XXXX Report. Now they are trying to collect against me on my XXXX report.
Product: Credit reporting or other personal consumer reports

Recently, I requested that this account be removed immediately for incomplete and inaccurate information reporting to my consumer report. XXXX and XXXX have removed it please remove it immediately!
Product: Checking or savings account

XXXX didnt pay full interest amount of stated APR XXXX 3.5 % for 3 months for XXXX money market account. Also only paid 89 days of interest, lacking 1 day of interest payment. About {$57.00} lacking XXXX XXXX to XX/XX/XXXX. About {$14.00} lacking XXXX more day of interest owed for XX/XX/XXXX for ninetieth day of term. Reported to bank this discrepancy 3 times by phone in XXXX, XXXX and XXXX. No response received. XXXX opened XX/XX/2023. Funds transferred to new CD account XX/XX/XXXX. Balance of {$1.00} kept in XXXX money market account until closed XX/XX/XXXX, XXXX owes about {$71.00} it underpaid in interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beyond Finance placed a hard inquiry on my credit report on XX/XX/2018. I was told this would be a soft inquiry to see where my credit stood. Once i pulled my XXXX   report i fond the hard inquiry. I have sent a letter to Beyond Finance to remove but they have not responded and i also called them on XX/XX/XXXX but did not receive the call back that was promised. 
Thanks, XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX, I spoke to several representatives who told me that I was eligible for a refund of {$5500.00}. However, it's been a month now and after numerous calls, I was informed by a different representative that they couldn't process the refund because the payment was supposed to be processed on the XXXX, but it went through on the XXXX, causing my credit line to drop. The setting was on automatic, and I'm not sure if this is my fault.
Product: Mortgage

This complaint is in reference to case numbers XXXX and XXXX. You do not have a functionality for the consumer to upload documents after a compliant has been submitted. So, I am submitting a third complaint to be able to supply all my documentation. Please review the attached documents as well as the cases referenced above.
Product: Mortgage

My loan was in a Disaster Forbearance for the Thomas fires which  ended at the end of XXXX. My servicer had a scheduled sale date during the forbearnce period, which they agreed to postpone last minute. While in the ThomasFire forbearance, we had a second disaster CA wildfires in XX/XX/XXXX and I applied for a new disaster forbearance. While under review my servicer transferred my loan w a pending sale date of XX/XX/XXXX. I contacted the servicer and they said they no longer can access the loan, so they cant do anything about the sale date or the forbearance. The new servicer, XXXX, said they do not have my loan in their system yet, so they can't help me w the sale date either. I have contacted the foreclosure attorney, XXXX, who said they have to do what the servicer requests and to send them my reqiest in qriting, which I did but th esale date is so close & I have not heard back from them. I am very very worried that my loan will fall in the gaps between the sudden transfer, without Seterus having first completed my Disaster Forbearance.
Product: Credit reporting or other personal consumer reports

On my XXXX credit report it is showing a hard incury from JPMCB Bank Credit Card on Inquiry date XX/XX/year>. I have not applied for any credit cards in 2024 and I feel my information may have been used to get credit as fraud. 
I have advised oth XXXX and JPMCB of this and the Incury has yet to be removed.

Please help me with this as it was not I that made this credit request and it is hurting my credit score. 

This is the company that it shows : JPMCB Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

Sender enacted a chargeback for a Paypal transaction from another party to my account. The funds were not taken out of his account and was taken out of my Paypal in the amount of {$6000.00} on XX/XX/year>. 

Resolved issue outside of Paypal between myself and sender and sender initiated a chargeback reversal with his XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX support said they have dispersed funds back to Paypal since XX/XX/year> and sender even notified Paypal that they are not longer disputing the case. 

All support sent to Paypal support and still have not received an update or resolution ( 76 days ). 

Paypal in the process of sending the balance to collections. Unfair and scam-like tactics used by Paypal. They have {$6000.00} from XXXX XXXX and are claiming that I still owe {$6000.00} and sold that balance to a collections agency. Deceitful and unprofessional.
Product: Credit reporting or other personal consumer reports

To whom it may concern : This is my Second Letter which serves as my formal written request for the investigation of specific items on my credit report.

In accordance with the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), federal law mandates that you conduct a reasonable re investigation within a 30-day period from the date of receiving this notice to determine the accuracy of the disputed information and update its current status or delete the item. I insist on reviewing Verifiable Proof ( comprising hard evidence tracing back to the original creditor, not third-party database verification ) held in your records for the accounts mentioned below. Failure to positively verify these accounts has adversely affected my credit-seeking capabilities. According to the FCRA, unverified accounts must be promptly removed. 

If you are unable to furnish verifiable proof, the accounts listed below must be removed. 

I request immediate verification that the below accounts were NEVER PAID LATE. On These accounts should be reported as PAID AS AGREED, with NO LATE PAYS. or removal of the following accounts : Creditor : Account # : Late Date : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 Washington state unemployment deposited {$6000.00} into my PayPal account after waitIng 3 months to get approved. This is the same day that Paypal decided to close my account for no reason. They will not help me with getting it back up and going.its unethical for Paypal to deny their clients of their unemployment money during an emergency pandemic. I have not been able to get help from them, they will also not explain to me why my account is closed. I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX XXXX
Product: Vehicle loan or lease

Westlake Financial is reporting and has reported inaccurate information on my loan. Westlake just started reporting to the credit bureau based on my request for them to report the account to the credit bureaus in XX/XX/XXXX. Up until last week the accounts had been reported in good standing only after I made a complaint to the CFPB about the account not being reporting for the full length of time on the XXXX report. I called Westlake Financial to discuss the late payments that they are reporting. The XX/XX/XXXXpayment they are reporting is not correct as my payment due date was changed from the XXXX to the XXXX of the month making the payment due onXX/XX/XXXXand notXX/XX/XXXX. I made a payment onXX/XX/XXXX which would have made the account less than 30 days late. They are also reporting for the month of XX/XX/XXXX as late. I made arrangements for the payment to be put at the end of the loan this was completed on XX/XX/XXXX which was 12 days prior to the account due date. They advised me when I called today that due to the time it takes to process the paperwork my account became late. I was not advised that such would happen. Again up until last week Westlake had reported all of my payments as on time. So the last six months they reported the account as being on time but after I filed a complaint with CFPB now all of a sudden the account had late payments. It is a violation of the FCRA to report inaccurate information and holds a statutory fine of $ XXXX each occurrence. The person I spoke to today told me that I have to dispute the item with the credit bureau. I explained to her that I would like to dispute it with the creditor as your company is the one that made the mistake with reporting incorrect late payments.
Product: Debt collection

XXXX 2017 I pulled a copy of my credit report and found a {$370.00} collections through Phoenix Recovery Group ( PRG ) for a debt through XXXX XXXX. I contacted the number on the credit report and was told that the debt was from a property I lived at. When asked, the PRG rep mentioned that he was unaware of what property or address. I requested validation of debt but did not get anything nor any phone calls regarding the debt. 
XXXX 2017 After no response from PRG I called several times and each time spoke with a PRG representative named XXXX. He assured me that he had a copy of the bill and persistent in requesting payment quickly. I again requested a copy of the bill and he would say that he would send to me. I left voicemail messages directly for XXXX with no call back. 
XXXX 2017 I called again and spoke with a PRG rep named XXXX who told me he saw XXXX notes and he did have a bill from XXXX XXXX XXXX and asked if I lived there. I told him I did but I never received any bills following my move. He explained that they were for a pet cleaning fee and utilities. I explained that I paid {$600.00} in pet fees to cover the cost and paid extra on my last month to cover the utilities and should not owe any debt but also did not get any bills. I then asked him what the total of the bill was and he said {$370.00}. I then asked him for specific charges. He mentioned the XXXX cleaning was {$150.00} and the utilities were {$50.00}. Before I could say anything else XXXX quickly added that he would work with me on the total. I again asked for a copy of the bill and that I would like to dispute with XXXX XXXX. XXXX days later I received a copy of a bill for {$200.00}. 
XXXX 2017 I contacted XXXX XXXX and left a voicemail message requesting a call back. I then received a letter from PRG with a copy of my lease stating that they deleted the interest and reduced the total amount owed. 

XXXX 2017 I called again and the phone continuously rang without an answer therefore. I went to the website of XXXX XXXX and sent a request for validation through the site email. I did not receive a call or email back, therefore I mailed a certified letter to Drought properties with a copy to XXXX XXXX XXXX requesting validation. I also called and spoke with XXXX at XXXX XXXX on a recorded line and was informed that the pet fees cover the cost of any damages and pet treatment, however is non-refundable. 
XXXX 2017 I received a letter signed by XXXX XXXX ( XXXX XXXX  of XXXX XXXX ) stating that they are unable to find me in their system and requesting my move in and move out dates.
Product: Credit card or prepaid card

Dear Sir or Madam : American Express hasnt applied the {$650.00} credit which Im requesting in fees due to not receiving statements. Please stop ignoring my requests as every single one has been ignored. I have gotten the odd disputes for this case that are not described as this dispute. The process for this has been very challenging. 

Requested Credit/Refund : {$690.00} Reason : Statement not Received. I am appealing a rejected dispute on my card. AMERICAN EXPRESS conclusion is wrong. I contacted AMERICAN EXPRESS repeatedly, sending the request via mail & online. I was given a bunch of different dispute numbers for this same issue yet my balance never changed. The wording of their responses didnt match my requests. Its been all a mess and a very difficult process. I never receive the {$680.00} in adjustments. All I got were my old missing statements. I hadnt received statements from XXXX-XXXX since I moved. This dispute is for credits towards those months of being over-billed. I am seeking adjustments for multiple fees charged per month, as not receiving statements caused my bill to increase. The minimum payment amount also skyrocketed because of it. Ive reviewed all of the transactions within the time frame when I did not receive statements. Those fees billed still pending credit are listed below. Fees dates & amounts : XXXX/XXXX/XXXX {$37.00}, XXXX/XXXX/XXXX {$86.00}, XXXX/XXXX/XXXX {$86.00}, XXXX/XXXX/XXXX $ XXXX {$38.00}, XXXX/XXXX/XXXX {$87.00}, XXXX/XXXX/XXXX {$29.00}, XXXX/XXXX/XXXX {$38.00}, XXXX/XXXX/XXXX {$91.00}, XXXX/XXXX/XXXX {$31.00}. The following 6 transactions arent listed in the statement but are shown in the inquiry area under the account services tab and in the open a billing dispute choice XXXX screenshot attached ) : XXXX/XXXX/XXXX {$91.00}, XXXX/XXXX/XXXX {$12.00}, XXXX/XXXX/XXXX {$9.00}, XXXX/XXXX/XXXX {$0.00}, XXXX/XXXX/XXXX {$0.00}, XXXX/XXXX/XXXX {$3.00}, XXXX/XXXX/XXXX {$24.00}. Totals : {$680.00}. Its been a difficult process requesting this credit. I only ask for the credits mentioned.
Product: Debt collection

I have written two letters to this debt collection company specifying to them that this debt does not belong to me. I have never contracted the services of this medical vendor but in fact it was my daughter who has. 

I sent two letters dated XX/XX/2020 and XX/XX/2020 stating that this is not my debt and that you would need to send documentation proving that it belongs to me. Otherwise close the account and remove the item from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of the agency gathering, maintaining, and furnishing my personal info without my consent, I have been denied employment, credit, had my identity stolen, and failed background checks unjustly. I never gave my authorization for the company to collect and use my personal info at all. 

Violation : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

You have never had my written instruction to report on my behalf. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Please provide explicit proof that I have given permission for you to report anything on my behalf, and explicit proof of your investigations. If you are unable to do so, you must delete the erroneous info.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate items from my credit report. 
This is my attempt to rectify this issue, and I am becoming increasingly frustrated by the lack of response and action on your part. It is crucial that these items be removed immediately to reflect my true credit standing. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or outdated information on my credit report. These accounts are either beyond the statute of limitations or contain erroneous information. Despite my previous attempts, these items remain uncorrected. I have included copies of my previous correspondence as well as supporting documentation to expedite the review process. Please help me conduct a thorough investigation of these items and provide me with written confirmation of their removal within 30 days. The following items should be remove as soon as possible : 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 Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX A AND XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXXPT XXXX Balance : {$21000.00} XXXX XXXX Balance : {$1200.00} XXXX XX/XX/XXXX ODE XX/XX/XXXX ODE XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.