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

My account with EXPERIAN was never late! I have had exceptional payment history 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 USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b 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!

15 USC 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( 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! 


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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter today dated XX/XX/2022 from Transunion stating the following : " We have complied with your request to remove the fraud alert from your credit report ... '' I never requested that the Fraud Alert be removed from my credit report. I did not, at any time, give permission for Transunion to remove the existing Fraud Alert from my credit report.
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 Experian and XXXX Credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$27000.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$8100.00} XXXX  Date Opened XX/XX/XXXX Balance {$16000.00} **Inquiries** XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX
Product: Credit card

Attention XXXX XXXX : I applied for a Credit Card on XXXX and was denied. Contrary to your presumptions and alleged reasoning for denying me, I have the right to Full Faith and Credit, see the attached document ( s ). Your Language Fraud, False and Misleading Denial of my Own Credits is pursuant to 17 CFR 240.15c1-2 - Fraud and Misrepresentation and 15 USC 1692e False and Misleading representation. You are unlawfully and knowingly withholding access to my securities that I the bondholder authorized on the initial tender of payment/application/credit card from the certificate of indebtedness bond. Your wilful withholding of my access to my securities is defined as securities fraud pursuant to 18 U.S. Code 1348 - Securities and Commodities Fraud. You are not only wilfully violating my right to my Credits ; you are also in violation, and non-compliance with the Equal Credit Opportunity Act and the Consumer Credit Protection Act. Since you are unlawfully denying me my Credits, Retract my Application immediately upon receipt of this NOTICE, non-assumpsit. A Certified verification letter in writing/typed with the company letterhead and an Officials signature confirming my Application Retraction is required point by point, exact, for my record keeping ; non-assumpsit. Thank you for your cooperation in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

The Company in question is Barclays ( Aviator Red Mastercard ), and I have been a customer of them for just a few years. After going out on disability in XX/XX/XXXX and not being released until XX/XX/XXXX, I made payments to Barclays on time and as agreed. However, fast forward to today, XX/XX/XXXX, I have depleted my 401K, IRA, and my savings. Thus, my last payment to Barclays was on XX/XX/XXXX as I currently have no income coming in, and I need the little that I have left to cover my doctor visits and medication for health conditions covered under the Americans with Disabilities Act ( ADA ). I called them when I received my XXXX bill, letting them know that I could not afford to make payments for the reasons I mentioned in this complaint. I have attached what they told me, and please keep in mind that they would only give me an option to settle this once I defaulted, which I believe violates the Fair Credit Reporting Act. The reason is that they wanted me to wait ( and I quote ) until I was on default to make payment arrangements ( although I was being proactive and trying to find temporary help to avoid impact to my credit, which has been immaculate ). As a result, my credit report has been negatively impacted and decreased from having an " exceptional '' credit rating to a " fair '' credit rating, as a result of Barclays and their inability to work with me before default, which I believe is unfair, violates my rights under FCRA, and gives them a horrible reputation taking into account my current situation both financially and healthwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under15 USC 1681. I have sent them several letters concerning this matter and to no avail they have yet to respond I have also uploaded the documents that I have sent to them and still nothing. I have sent an updated dispute on XX/XX/2022 which they have responded to that they have gotten. 

1. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
2. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.

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

15 U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

These accounts that were furnished have violated my consumer rights and I want them to delete from my account.

15 U.S.C 168c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Delete these accounts immediately!
Product: Mortgage

On XX/XX/XXXX I requested that QuickenLoans released my escrow account. 

I received my escrow account for XXXX XXXX XXXX, XXXX, CO XXXX. 
I was surprised that I received a refund check for only {$0.00} cents for it. 

Reviewing the paperwork It stated They estimated and I paid you from XX/XX/XXXX to XX/XX/XXXX a total of {$1300.00} But They will ended up disbursing a total of {$890.00} for the entire year. 

I asked what happened with the difference of {$460.00}? No answer was given. 
I asked if the money was owed to me that I needed a check for it. 

Then They told me They were sitting on {$880.00} dollars in my escrow account. 
I asked They paid the remaining taxes for XXXX ( {$250.00} ) that are still due from the escrow account They hold. 
Doing this the escrow account to a balance of {$620.00}. After that, I asked They submitted a check for the balance of {$620.00} after They made that payment. 

Then I requested They closed my escrow account after the last tax payment for XXXX was made ( {$250.00} XXXX and They had provided the money back to me that They are still holding : If it is : $ XXXX {$620.00} this will be {$1000.00} total owed to me. 

On XX/XX/XXXX I paid you {$100.00} for a BPO so They would eliminate my PMI. This was done because the value of the house came back higher than the LTV of 90 % They are still holding the house hostage for, although I paid You {$100.00} for a BPO. 

With this BPO They house was valued at {$95000.00} The original loan amount was : {$53000.00} LTV is : 56.15 %. They are obligated to eliminate the escrow account when the LTV is less than 80 % value. 

I asked They closed my escrow account accordingly after They made the last tax payment for XXXX for {$250.00} and submit a payment to me for what is owed to me. 
I told them I would continue paying for insurance by myself. 

They declined ALL OF MY REQUESTS. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Hello, I have been a Chase loyal customer for over 14 years. My whole family uses Chase and I felt like they were an honorable company that I could rely on. They have caused me so much distress and blatantly just do not care about the people they serve at all.

My mother opened my account XXXX XXXX when i was XXXX. I am now XXXX, and apparently our accounts are still connected in some way. My mother who is a law abiding citizen, never even received a ticket in her life was randomly notified from Chase that her account was being deactivated. My mother has been a customer for over 30 years, and when they decided to deactivate her account they informed her they are not able to tell her the reason. This is strange because it seems Chase can cancel anyones account with no reason and pretend its for something legitimate. But, I do know Chase has the right to cancel anyones account whenever they want, just like we can cancel with them anytime we want. 
So I get the notification that my account will also be cancelled. Which throws my life upside down because its XX/XX/XXXX and on the XXXX I owe my mortgage, property taxes, electric bill, and car insurance. So I go into my Chase bank and they make me a new account not associated with my mother and transfer the money there. This is fine, understandable.

I get notified the next morning that the new account is also being deactivated, so I call Chase and they say that I have been banned from Chase for life. Now this comes as a shock because I have never done anything to this company but pay everything on time and be a loyal customer. How could they do this to their customers? Nobody seems to care when I call, they are rude and aggressive and mean to me. Its clear they only care about money and not the people they pretend to work with. 
So this is fine, I will leave Chase bank and go to another bank. They lost my entire families business, you tell them that and they dont care. They are a XXXX dollar business and im one person to them. Its really sad. But now, I visit the bank and ask to withdraw my money to put into my new account and they have refused me. They said i must wait 10-15 business days for the account to be fully closed and they will send me a check for my balance. How is this legal? I have bills to pay as of the XXXX and they are telling me that I they are withholding MY money for 10-15 days? So i have XXXX dollars now and have to patiently wait for them to send me a check? I can loose my home, my power can be shut off, my car insurance cancelled. But again nobody cares. 
Chase bank needs to do the right thing and change this policy. My money is important to me, its all I have. This could be a very dangerous situation for me as I drive around with my child and have XXXX dollars to my name. I dont understand how they can do this to people and nobody says anything. 
Thanks for listening.
Product: Credit reporting or other personal consumer reports

XXXX  Years ago several transactions were duplicated ( {$500.00} XXXX  times & {$50.00} ) and I was not able to get my money back from the duplication transactions. Same thing XXXX  years ago ( {$150.00} )
Product: Mortgage

I have currently tried on multiple occasions to contact mortgage company with no success. I have asked to not be on forebearence as well as to take off mortgage and hazard Insurance as i have provided documents through email and fax through western reserve. I have not been able to contact due to them ending my call when being transferred. I am asking Amerihome mortgage XXXX to take off mortgage insurance and no forbearance on our loan.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXXXXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX XXXX # XXXX 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
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Complaint Regarding Loan Application Process, Denied Request for Written Documentation, and Unprofessional Conduct Date : XX/XX/year> To Whom It XXXX Concern, I am writing to formally lodge a complaint regarding my experience with OneMain Financial and their handling of my recent loan application and subsequent interactions. 
XX/XX/year> : I applied for a loan through OneMain Financial and was assured that the loan would be processed. 

XX/XX/year> : I was notified that my loan application had been denied, with the explanation that a " glitch '' occurred during the validation stage of the process. 

XX/XX/year> : I contacted OneMain Financial to obtain written confirmation that my vehicle loan and title had been restored to the original loan holder ( XXXX XXXX XXXX XXXX ). 

During this conversation, I was met with unprofessional and dismissive behavior. I was told that no information would be provided because they did not have it, and that my documents had been shredded. Additionally, the representative became hostile, raising their voice at me. 

I was provided with a customer service number ( XXXX ) for further assistance, but the number is for consent notices and unrelated matters. After being on hold, I was sent to a voicemail, where I left a message, but I have yet to receive a response. 

The location and staff involved in this issue are as follows : OneMain Financial, XXXX XXXX, Branch XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I am requesting that the Consumer Financial Protection Bureau XXXX this matter, as I have been denied access to crucial loan information and faced unprofessional conduct. Additionally, I would like a resolution regarding the restoration of my vehicle loan to the original loan holder. 
Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Product: Bank account or service

I deposited a check that I wrote from my bank account and deposited it into another of my bank accounts. It has been 5 business days and they have n't released even XXXX dollar of the funds. Should I just have cashed the check at the originating bank and then deposited the funds? How long can they hold my funds? I have never deposited a bad check or overdrawn my accounts.
Product: Credit card or prepaid card

XXXX, I was charged a returned payment fee of {$30.00} on XX/XX/XXXX even though autopayment had been set up in its system. 
XXXX, They later explained that they denied the autopayment because they do not accept autopayment from a savings account even though they never informed me during any of the steps of autopayment setup. 
XXXX, The autopayment pay-from account was a Bread XXXX/ Comenity account, " a different department '' within the same institution, as their CS representative put it. 
XXXX, There was never any way for me to find out the payment would not be made on time. 
XXXX, They never informed me of the returned payment and the only way I found it out was through my water company whose payment they denied. 
XXXX, On XX/XX/XXXX, when I found out the scheduled payment was not made, I immediately called them and set up autopayment again with a checking account, which I now knew they required, and paid off the entire balance, including the returned payment fee, and including balance not yet due, as they demanded. 
XXXX, On that same phone call, they informed me they filed an escalation to get my returned payment fee back. 
XXXX, I made XXXX phone calls on XX/XX/XXXX to find out what happened to the escalation filed and to explain in detail why I should not be held responsible of the returned payment. 
XXXX, Neither of the representatives would answer any questions about the escalation filing ; they just repeated that the returned payment fee of {$30.00} would not be reimbursed. 
XXXX, On the XX/XX/XXXX phone call, I was also informed that my account would be frozen for 15 days after the entire account balance is paid off. 
XXXX, The payment finally went through on XX/XX/XXXX even though it was paid on XX/XX/XXXX and debited from the pay-from account on XX/XX/XXXX. 
XXXX, Yet, XXXX  days after the payment went through, a representative had to manually unfroze the account after a phone call from me. 
XXXX, I opened this credit account after their aggressive mailed solicitations. 
XXXX, It is a new company and their system is understandably full of problems and errors. But the real problem is that they do not take any responsibility for the defaults of their system and steadfastly refuse to do right by their wronged customers and make them whole. 
XXXX, I just want to get my money back. 
XXXX, After being stonewalled, I told them that I shall be forced to seek help from CFPB, and they coolly and immediately told me : " Go ahead! ''
Product: Money transfer, virtual currency, or money service

I have had several issues with Venmo regarding their lack of disclosures when making crypto currency exchanges. The first incident was I sold some cryptocurrency after purchasing it from them and my funds were placed on hold for 5 days. I should have been notified prior to the sell that this was going to be a result and given the option to back out of the sell. The next incident, I was not able to transfer out the cryptocurrency that I have purchased through them. I spoke with customer service and they said there was no holds and I kept having to reinstall the app and it finally went through. And the third incident I purchased cryptocurrency again and I went to transfer it out of my wallet and it said that there was XXXX available. I contacted customer service and they said there's a XXXX hold now. Why was I not notified that there was going to be a whole prior to the purchase that way I could back out or at least be aware of the situation? Their lack of communications and disclosures of their business practices is unfair and misleading when they are taking the fees and pocketing the money.
Product: Credit reporting or other personal consumer reports

I am writing today to contest the negative entries on my credit report. 
Regarding the requirement for documentation, I discovered that my local law enforcement office no longer handles such cases. Instead, they directed me to file a report on the website identitytheft.gov. I have followed this guidance and have also informed my bank, which has committed to removing the items but requires your assistance in the process. I am including these reports with my letter to support my claim. 
The listed accounts below do not pertain to me and must be removed or blocked : XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX  ( Original Creditor XXXX ) XXXX.
Product: Checking or savings account

Someone hacked into my account from a fake loan company I attempted to do an appeal and they denied me and took all my money.