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

XX/XX/year> 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 Dates of Late Payments : XX/XX/year> and XX/XX/year> Nature of Complaint : I submitted a dispute to Experian 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 Was Submitted On Time : My payments were submitted before the due date, as indicated by my bank statements and payment confirmations, which show that the payment was processed well in advance of the due date. There is no valid reason for this payment to be recorded as late. 
System Error at XXXX XXXX : XXXX XXXX experienced a system error during the payment processing period, which delayed the application of my payment. This error was acknowledged by their customer service team, and I have attached email correspondence from XXXX XXXX confirming this issue. 
Inconsistent Reporting Across Credit Bureaus : The late payment was reported by all three bureaus, but the dates and details vary across the reports, creating inconsistencies. This suggests that an error occurred in transmitting the payment information, as my payment history should be uniform and accurate across all credit bureaus. I have attached copies of the discrepancies in my credit reports for reference. 

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 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
Product: Credit card

I closed my credit card and there is a balance of more than {$1200.00} in my credit card. The company is not issueing a check until 2 statement cycles ( 2 months ) to refund my money. Not sure how the company hold my money for 2 months when I close my account.
Product: Debt collection

On XXXX XXXX, XXXX I received a letter from XXXX/XXXX, XXXX which I will attach. This letter is a notice of a debt collection for their client, Midland Funding, LLC. The original creditor being XXXX , XXXX XXXX 
I have never in my life even heard of Midland Funding. I have never in my life acquired debt from XXXX. 
I went online and read the long history of problems and deceitful practices by both XXXX, XXXX and Midland Funding. 

I think it is disgusting that this can happen to someone. I am in the process of going through a mortgage and if anything happens to disrupt this process I do n't know what I will do. I am SO upset about this. 

I had a recent problem with XXXX XXXX and their reporting of a debt, and the CFPB really helped me a lot. XXXX ultimately admitted the error and I would have never been able to do that on my own ... I tried, having spent hours on the phone. 

I am frankly fearful to even call this XXXX  XXXX company after reading the stories about them online. I work full-time as a single parent and am in the midst of moving and I do n't have time to do what I did with XXXX. 
I responded in writing to XXXX within the 30 days they state that I need to do before the debt is then assumed to be " valid '' ... .seriously?? 

Please help!!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there.

This agency is in violation of 15 USC 1681i.

( 6 ) Notice of results of reinvestigation In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX ACCOUNT # : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. 
Best regards, XXXX XXXX
Product: Debt collection

This bill was for a hospital stay at XXXX XXXX XXXX XXXX XXXX in 2019, but my insurance has paid this invoice to the originating company. A separate company called ARS then began calling me 2 days after the hospital stay in XXXX had ended requesting further payment for a medical debt. My insurance information was then provided again, and my insurance was notified. The company ARS continued to call me several times and then began to interrupt me and not allow me to speak during calls. One representative named XXXX also told me that it didnt matter what insurance I had, I owed them and I was going to have to pay them or they would add it on my credit. I then told them not to contact me, but I was still later contacted both by phone and by mail. My insurance has paid all necessary funds to both the hospital and all adjusters involved, and has provided receipts to this company but it has not been removed from my credit and they refuse to receive any information except a check.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Green Sky LLC located in XXXX, GA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA XXXX XXXX. Despite my efforts to resolve this unfortunate nightmare for several months now, Green Sky XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these items ( XXXX ). ( A ). 

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: Credit reporting or other personal consumer reports

This is my other 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$130.00} XXXX XXXX Balance Owed : {$540.00} XXXX XXXX Balance Owed : {$7600.00} XXXX XXXX Balance Owed : {$290.00} XXXX XXXXXXXX Bankruptcy Reference XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXXXX Bankruptcy Reference XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXXXX Bankruptcy Reference # XXXX XXXX Filed/Reported : XX/XX/XXXX XXXX XXXXXXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear TransUnion What happened to sending my updated results with a reasonable time frame of 30 days? I am referencing the accounts listed below : U.S. Bankruptcy Court : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX  : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

What happened? 30 days has come and gone because of this, you must delete the items in questions as they are not correct anyway. Your failure to investigate and remove the inaccurate account is causing great stress to me and my family. I read somewhere that you only have 20 or 30 days to investigate this matter? 40 days has past and nothing from your company. Delete the accounts listed below or I will have to exercise my rights and file complaints with the XXXX, Attorney Generals Office, and the CFPB.

I take my credit seriously and I hope your company does also. Please do not delay with sending me updated credit reports with deleted information. 

Take care. 

CC : FTC, XXXX, CFPB
Product: Money transfer, virtual currency, or money service

I am trying to link my PNC checking account to my XXXX investing account and it won't let me. Pretty frustrating. I have gone through all of the security steps required, so it should let me do as I choose.
Product: Credit card or prepaid card

I requested a credit card promoted by XXXX XXXX called XXXX XXXX. I was approved and received the card. I sign up for online billing and once I tried setting up a payment method online I was locked out of the system and I am not able to retrieve any information. I have called numerous times and I have held for up to 2 hours and I can never get a hold of anyone. I don't know how much I owe and I need to pay the bill.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7000.00} Chargeoff XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a freeze on my Innovis report, and was denied and asked for more information. Innovis violated my consumer rights first by reporting my personal information without my written permission, which is a FCRA violation, then when asked not to report my information they didn't comply. Unless you have a contract between you and myself given you permissible purpose to furnish my personal information, then freeze my account.
Product: Credit reporting or other personal consumer reports

I submitted my request for the annual free credit report and XXXX gave me a couple of pages and TransUnion requested money for my free credit annual report???. I wrote back explaining that this was for my annual free credit report of which I still haven't received anything from them and nothing at all from XXXX reporting company?? What have I done wrong, I wrote to these 3 agencies asking for my free credit annual report. You are suppose to get for free, what's up, what's the problem, what don't they understand, and i ask for my full credit report, not just 2 pages. Thank you
Product: Vehicle loan or lease

I regularly make additional payments in advance through the website. Bank of America is misapplying my principal payments as future payments. The default calculation they use allows them to collect interest on the principle that has been paid. 

According to their website, I am paid up more than five months in advance. I don't want to be paid up 5 months in advance. I want all of the advance money applied to the principal. 

This in my opinion is fraud on a huge scale and should not be legal. Getting them to correct the problem takes considerable time through their IVR and with an agent. It isn't something a consumer should have to do.
Product: Mortgage

Banco Popular has charged us {$450.00} for fees for no reason. When we called to complain, they acknowledged that the fees were charged improperly but have not credited us for them.
Product: Vehicle loan or lease

My lease was over in XX/XX/2024, I called to have an extension until XXXX, which I was approved. I have tried to be in contact with Chrysler since then because I noticed that there was an accumulated late fees in the amount of {$900.00}. I don't understand why I was not notified that I was paying on a wrong date and also, I was reported to the credit bureau for not paying. I can not make a payment as it states ( MY ACCOUNT IS PAID IN FULL. NO PAYMENT IS DUE ). I then called them and stay on hold for almost 2 hours, and then my call call hangs up..
Product: Debt collection

Today XX/XX/2023 I was contact by a young lady at credit corp solutions. He woke me up at a little after XXXX XXXX. They immediately went into their debt spew and how I was to pay. I asked for a validation of debt and they agreed to send it in email. Once they said it was sent I never received said email to both my inbox or spam. I told him once I get the validation of debt and I can confirm the debt I would call him back ( same day ). I also explained to him that I was trying to wake up still and he wouldnt take no for an answer. He kept telling me no I was stay on the phone and go over the debt with him. He continued saying no I was to stay on the phone with him no less than 15 times. Once I finally told him I was just going to get off the phone he told me he would contact my place of employment ( no longer where I work ). So I kept looking for the email and finally he hung up and immediately called me back. I stayed quiet and he said ok we will contact your place of employment. Then I hung up on him. He immediately called me back and said fine I will call your place of employment. 
I have included a screenshot of the amount of times they have called. The first is a spoofed number of theres then the actual numbers belonging to them
Product: Credit reporting or other personal consumer reports

XXXX XXXX MADE FRAUDULENT INQUIRY ON DATE : XX/XX/XXXX  WITHOUT MY CONSENT. 

XXXX ALSO MADE UNAUTHORIZED INQUIRY ON DATE : XX/XX/XXXX  WITH MY CONSENT. 

BOTH FRAUD INQUIRIES SHALL BE DELETE FROM MY CREDIT REPORT BY LAW.
Product: Mortgage

My home loan is now being serviced by Ditech, Original Loan XXXX then Greentree I believe XXXX thru today 2016. In the Months of XXXX Thru XXXX of this year I have been seen discrupitancies having difficulty in speaking with a humane that 's does n't seem threatening. I am on a BI-Monthly payment which is every other Friday deducted out of my bank account. I started to notice in XXXX Late charges being applied to my account, when I called they said it was a computer err and would ask that the fee be removed, Again the following month another Past due charge was applied ... I called again ... " They will request this be waived '', Computer err my account is in good standing ... Then come XXXX ... I get a NON so Nice man Beating on my door, handing me a notice to Call Ditech.. I call no nothing 's wrong account is in good standing ... then I receive a letter notifying me that there has been a collection agent assigned to my account XXXX at XXXX ... PLEASE CALL " This communication is from a Debt collector. I call .... NO your account is in Good Standing ... THEN on XXXX I receive a Notice : This letter is to inform you about a Loss Mitigation : Temporarily Forbearance Agreement, which gives you time to pay your monthly obligation, If I are unable to make my payments, my best option to find AFFORADABLE Housing or oss Mitigation .... 
Additional ... Seek housing XXXX Assistance. 
Again sent from This communications is from a Debt collector Ditech Every time I call Ditech, I have to start from the beginning to be transferred to a supervisor only to be disconnected ... After XXXX Calls or MORE. That last person I spoke with was XXXX a supervisor who said I DON '' T want to hear again that you 're a Commercial lender and do n't need to know that you know what a Forbearance agreement is, when I asked that this letter of collection be retracted he clearly declined saying that last letter was only a sales tool and did NOT need to be retracted. As of my XXXX statement Thru my XXXX Statement and XXXX payments later I can only see approx XXXX Applied to my principal balance. I have asked serval times for the statement reflecting their accounting and how 's it has been applied with NO success to date
Product: Credit reporting or other personal consumer reports

Subject : Cease Unauthorized Credit Reporting Immediately Reference to Federal and Florida Laws Dear WELLS FARGO BANK CAR, I am writing to address a significant violation concerning the unauthorized reporting of information to my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Florida identity theft fraud laws, particularly Florida Statute Sections 817.568 and 817.569. 

It has come to my attention that WELLS FARGO BANK CAR has engaged in unauthorized reporting to my credit report without obtaining my explicit consent, which is a fundamental requirement under federal law, as outlined in the FCRA 's Section 1681b ( a ) ( 2 ).

Furthermore, Florida state law, particularly Florida Statute Sections 817.568 and 817.569, underscores the necessity of consumer consent for credit reporting activities and establishes clear guidelines for fair credit reporting practices.

I assert that I have not provided consent for WELLS FARGO BANK CAR to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, potentially damaging my creditworthiness and disregarding federal and state laws. 

I demand that WELLS FARGO BANK CAR immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Florida identity theft fraud laws. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including Florida identity theft fraud laws.

Obtaining consent is not discretionary but a legal obligation under these specific sections of the FCRA and Florida state law. This is not negotiable ; it is a demand for compliance with both federal and state regulations, safeguarding consumers like myself from unauthorized and detrimental credit reporting. 

I expect your immediate attention to this matter and trust that WELLS FARGO BANK CAR will promptly rectify these violations, respecting my rights under federal and state laws.
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 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00}
Product: Debt collection

I have sent 2 certified letters to this company disputing there claim that I owed {$250.00} to XXXX XXXX. There validation is not valid and a misappropriate billing for services that I never received. They have unlawfully reported this to the credit bureau 's which has significantly impacted my credit score. They have violated the Fair Debt Collection Practices Act! I an demanding that this fraudulent act be handled by your agency as soon as possible! Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I understand that FCRA 605B obliges us to remove inaccurate accounts from my credit report. Would you please check the documents? There are inaccuracies in the reporting, amounts, and dates of some accounts.