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

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

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

I demand the late payment reported in those account to be removed. 

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

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


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


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

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

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

In accordance with the Fair Credit Reporting act Kohl 's Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Mortgage

I have a Home Equity Line of Credit ( HELOC ) that I originally obtained from XXXX in Florida. I have had the account for over 10 years and have never missed a payment. I currently have an XXXX credit score, my income is enough to give me a very low debt-to-income ratio. I have been in the same home for 27 years and the same job for 9 years. My property value would make the Loan-to-value ratio less than 25 %. I am a XXXX XXXX XXXX at a XXXX  and I actually worked at XXXX and helped create the HELOC product that I have. 

At some point I think in XXXX or XXXX, my HELOC was sold or transferred by XXXX to a company called XXXXpecialized Loan Servicing, LLC " Part of the XXXX XXXX ''. In XXXX of this year, I called Specialized to inquire about what payment I needed to make to bring the account to a XXXX  balance ( to avoid getting another statement for pennies owed or a credit balance the following month as has happened in the past ). I explicitly stated that I did not want to " PAY OFF '' or close the account. I subsequently made appropriate payments to get it to a XXXX   balance. My last payment was made in XX/XX/XXXX. 

This past Thursday, XX/XX/XXXX, I received a letter from Specialized, dated XX/XX/XXXX that said my account had been paid in full and the release or satisfaction of mortgage document was in process. I called Specialized on Monday, XX/XX/XXXX and spoke with a customer service rep named XXXX who confirmed from his notes that I had stated back in XXXX that I did NOT want the account to be closed and satisfied. He told me that he could not fix the problem, but that he would refer my case to the Consumer Escalation Department. Someone named XXXX ( not sure of spelling ) called me today and again reconfirmed that their records show that I did not authorize my account to be closed and satisfied, however, because the paperwork had already been processed, there was nothing they could do to correct the situation. She kindly suggested that I go to another bank and get a new HELOC. I should not be inconvenienced by Specialized breaching the valid contract of my HELOC loan documents. I also don't know if I can duplicate the interest rate that I currently have ( Prime-1 % ). I requested that they reinstate my account and I would be happy to re-sign the lien paperwork to be refiled. They refused. I then suggested that they make me a new loan at the same terms as the one they cancelled ; they said they are not a lender, but just a servicing company, so they also refused that suggestion. The bottom line is that they have chosen for whatever reason to cancel my account ( perhaps they can get a higher interest rate from other consumers who have weaker credit scores? ) This is unacceptable. I know that there are laws governing how a lender or servicer can suspend a HELOC for cause, but in my case, I am the closest customer you will ever find who is 100 % risk-free. I appreciate your help in rectifying this situation and to highlight the Unfair and Deceptive practices that Specialized Loan Servicing has used against me, a long term, excellent customer.
Product: Credit reporting or other personal consumer reports

I would like to file a formal complaint against Equifax and XXXX XXXX XXXX regarding their refusal to remove an inaccurate mortgage account from my credit report, despite both XXXX and XXXX having already done so. This unresolved issue has caused me significant stress and hardship, and I believe XXXX failure to remove the item is unjust and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The mortgage account in question, XXXX XXXX, has been disputed for inaccuracy. Following my dispute, both XXXX and XXXX investigated the matter and promptly removed the item from my credit reports after determining it was indeed incorrect. However, despite my repeated requests and providing all necessary documentation, Equifax has yet to take the appropriate action and continues to report this erroneous information.

This prolonged inaction by Equifax has resulted in undue stress and has negatively impacted my ability to manage my credit. As an individual who has taken great care in maintaining responsible credit practices, the presence of this inaccurate item is unfairly damaging my credit profile. I believe it is only fair and reasonable that Equifax follows the same course of action as XXXX and XXXX and removes this item from my report immediately. 

I am requesting that the CFPB intervene and hold Equifax accountable for failing to resolve this dispute in a timely and fair manner. The resolution I seek is simple : the immediate removal of the XXXX XXXX  item from my Equifax credit report, as has been done by the other two credit reporting agencies.

I trust that the CFPB will investigate this matter thoroughly and ensure that Equifax complies with their obligations under federal law to provide accurate and fair reporting. Thank you for your time and attention to this important matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

CONTACTED THE 3 MAJOR BUREAU SEVERAL TIMES ABOUT INACCURATE AND INCORRECT PERSONAL INFORMATION ON MY CREDIT REPORT YET NOT HAS BEEN UPDATED NOT CHANGED
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Checking or savings account

This is also part of another complaint with case number XXXX I had a direct deposit post to my account XXXX and it's my only source of funds and navy federal is holding my funds from me XXXX was my XXXX check now I can't pay my rent and I'll be evicted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit reporting I have account with XXXX XXXX accounts it's been over seven years I've XXXX  and XXXX  remove that account from my credit report on the other hand Equifax when I try to dispute the account of XXXX XXXX account on XX/XX/XXXX my score went down XXXX points on the account never got removed from my credit report on Equifax and also this account was closed in XX/XX/XXXX but Equifax after I dispute the account on Equifax now it's a the account will closed in XX/XX/XXXX they keep sending the wrong information on my credit report this account should be removed because it's been over seven years I need your help
Product: Debt collection

I was forced to receive medical treatment from XXXX XXXX   on XX/XX/2019. They asked for my insurance and told me I wouldn't be charged.XXXX XXXX XXXX filed a claim for XXXX  with my insurance, and my insurance according to my explanation of benefits states that I don't owe anything. Despite that I kept receiving bills from XXXX XXXX XXXX   who then sent the debt to Bay Area Credit Service on XX/XX/2019.I sent a copy of my EoB to Bay Area Credit Service, but they ignored that and kept sending me bills for higher and higher amounts. I have also attempted to explain this on the phone, but they insist that my insurance rejected the claim, and tried to bully me into paying the amount right then.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX You are in direct Violation of the fair credit reporting act ( Captitol One XXXX ) has violated serval of my rights. 

15. U.S.C1681 Section 602 : A Clearly states that I have the right to privacy.

15. U.S.C1681 Section 604 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15. U.S.C 1666B : A creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several law under the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want the extended fraud alert removed from my credit file under " XXXX XXXX ''. It his hindering to move forward with refinancing my home.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1692 c and FCRA section 605, you have violated my rights by in lawful communications. Please remove/block these debts that do not belong to me. Documentation has been provided. I am a victim of XXXX XXXX XXXX. 

Also, it has been more than 30 days since the creditors responded to my complaint or sent me information regarding these debts.
Product: Debt collection

Who do I speak to about USAA taking money from my stimulus check over an account dispute that was not properly or legally handled right? The account was closed and I have every right to legally dispute it but now that my stimulus check accidentally went to the CLOSED ACCOUNT Im told its temporary re opened so you can take my money you say I owed. This was a dispute with XXXX that was NEVER LEGALLY PROVEN CORRECTLY. I disputed this with USAA FOR THREE MONTHS ABOUT THEM SAYING I OWED THEM {$300.00} for a lease phone. The phone was paid off after two years with them. I asked them to send me my original signed contract to prove I owed them anything and they did not. This bill was NEVER on my credit report as showing delinquent. I never got to legally dispute it before they took the money out of my usaa account. I disputed it with usaa. They sided with XXXX  with no real proof of my original signed contract and the account was closed. The IRS sent my stimulus money to the closed account and I got a message saying it is temporarily re opening so they can take the money they say I owed. I never got a bill from you saying I owed that. I have every legal right to dispute that with the FDCPA BEFOR YOU TAKE MY STIMULUS CHECK!!!! This is unconstitutional and illegal as a 20 year member I am being mistreated!
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am writing to address a problem with my credit scores, and the credit report agencies that report those scores. the biggest problem is my FICO. 
XXXX, Experian, and XXXX FICO scores are also affected.

Believed Negative Credit Profiling I understand that credit scores can vary widely by company and race. This is factual. 
For example, in XXXX  the average FICO score for XXXX in XXXX communities was XXXX, compared to XXXX for white communities and XXXX for XXXX communities. 
CREDIT CARD DEBT BY RACE XXXX % carries a balance among cardholders. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLUS- in credit card availability, with an XXXX XXXXXXXX XXXX XXXX XXXX card at my disposal in my company name, and documented on-time payments for SEVERAL YEARS, the credit agencies ( FICO BEING THE MAIN ) have my credit score remaining in the mid to upper XXXX. 
This I suspect is negative credit profiling based on my race. 
If I spend less than $ XXXX of my available XXXX in credit card availability, with an income of over $ XXXX per year, why are my numbers held so low? Most debt except for my automobiles is paid in full at the end of each month, similar to a XXXX XXXX  account. When my numbers rise, at best they rise marginally. 
THE BOTTOM LINE Average credit scores in the U.S. differ by race, age, and other factors. At least part of that concerns the factors that go into computing credit scores and how those factors are weighted, which tend to benefit some groups more than others. It appears that my credit score is suffering because of one or more of those factors! 
Attached are snapshots of my statement/payment profiles for various open accounts. 
I ask that the CFPB investigate this matter to maintain fair credit reporting. 
Thank you in advance. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 updated 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

Please see attached documents. Do not close this comasfplaint stating it is not me. I am a natural person and a consusfamer.
Product: Debt collection

GM Financial refuses to acknowledge my right of rescission. They keep calling me and my family members attempting to collect a debt that was already paid. I mailed GM Financial registered agent a notice of Rescission, special power of attorney, and irs form 56. The documents were mailed via certified mail with tracking numbers XX/XX/22. Pursuant to Truth In Lending Act 12 CFR 1026.23 ( b ) ( XXXX ) I excercised my right of rescission. 

I also mailed GM Financial and their Registered agents a ( notarized ) constructive notice agreement and affidavit of truth. I mailed those documents via overnight mail with tracking numbers. ( XX/XX/22 )
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union Regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue align the recent CFPB findings against Navy Federal credit Union practices, where transactions settled with insufficient balance, despite initially available funds. I believe these practices are unfair and Request an investigation into my account transactions
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 602 A . States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, My name is XXXX XXXX XXXX : XXXX and I am writing this complaint in regards to the credit reporting agency " Transunion '' not removing a fraudulent inquiry that is on my credit report that was unauthorized. The inquiry is titled " XXXX '' and it was made on XXXX. I called " Transunion '' to report the issue however they were unable to help me remove the fraudulent inquiry. Any help in removing this inquiry would be greatly appreciated, thank you.
Product: Credit reporting or other personal consumer reports

I am using my report to challenge and investigate these wrongly reported accounts on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report on my credit file. I understand that FCRA XXXX mandates reporting any incorrect accounts appearing on a consumer 's report.
Product: Checking or savings account

On the XXXX of XXXX, the Chase bank allowed a random individual to come in and withdraw a majority of my money out my savings. XXXX in savings was withdrawn from my account through the teller and a ATM withdrawal. I made a police report, called the claims and fraud department multiple times, and went to the bank twice to sign the necessary paperwork. Their investigations continue to be closed. A detective is currently investigating the crime that occurred. I have rent and bills to pay so, I need my savings back. It is not fair that I am not the one to blame for this incident. They allowed someone to come and take all my savings. They didnt send me a text notification, they didnt ask the individual security questions, and they did not check the name on the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and started opening accounts in my name.
Product: Mortgage

I currently have a mortage with chase and last year I did a loan modification and I had to send in documents to see if I would get approved or denied but during that time myI could not make any payments due to the fact chase mtg said that I could not tto, so while I waiting for chase to make a decision they were still reporting tomy XXXX credit report they did not make a decision until XX/XX/XXXXand started XX/XX/XXXX and did not give me a decision until XX/XX/XXXX, but Chase Mortgage was still reporting negative in the XX/XX/XXXX 9090DAYS LATE, XX/XX/XXXX 120DAYS LATE, XX/XX/XXXX 150DAYS XX/XX/XXXX XXXX LATE, XXXX XXXX LATE, XXXX XXXX LATE, XXXX ND XXXX MEANS NO DATA FOR THIS TIME PERIOD ), XXXX ND XXXX MEANS NO DATAFOR THIS TIME PERIOD ), XX/XX/XXXX WAS REPORTING OK, XX/XX/XXXXWAS REPORTING OK, I DONT THINK IT FAIR THAT I HAD TO HAVE MYCREDIT REPORTING NEGATIVE WHILE CHASE WA MAKING A DECISIONON IF THEY WERE GOING TO GIVE ME THE LOAN MODIFICATION ORNOT I DONT THINK ITS FAIR THAT I WAS NOT ABLE TO MAKE ANYPAYMENTS DUE TO THE FACT CHASE MTG SAID NOT TO AND THEYSTILL REPORTED BAD INQURIES ON MY CREDIT REPORT IF SOMETHINGIS NOT DONE I WILL CONSIDER FILING SUET AGNAIST CHASE MORTAGEI I WANT THE BAD REMARKS REMOVED FROM MY CREDIT REPORTCHASE IS NOT A GOOD BANK TO DO ANY KIND OF BUSINESS WITHI HATE THE FACT I HAVE TO DEAL WITH CHASE THIS IS A STRESS ONME AND MAKING MY CREDIT REPORT SCORE VERY LOW PLEASEHELP ME I HAVE REACHED OUT TO THEM BUT NO SUCESS AT ALL. 

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

The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
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

My vehicle was totaled on XX/XX/XXXX. My insurance company paid the amount that they were liable for as well as my GAP insurance. After these transactions were completed towards the end of XX/XX/XXXX I was left with a balance. The dealership 's finance manager where I purchased my vehicle told me that I was owed money from the service contract that I purchased. The finance manager stated that by law the check had to go to the lien holder because there was a balance due on the auto loan. The dealership 's accounting department sent the checks via overnight mail three times to the finance company and each time the payments were rejected. I then asked the finance manager to add my loan account number to the memo of the checks so that the lien holder would know which account to apply the money to. After making many calls to the finance company I was able to speak to someone at the finance company 's asset recovery center that was able to release the checks for payment. Unfortunately, on the finance company 's website, I am still showing a balance due. The accounting department subsequently sent the checks two more times. On XX/XX/XXXX I discovered that the lien holder had already cashed the checks and never sent me the remaining balance.