23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

In accordance with the fair Credit Reporting act XXXX XXXX XXXX missed payments open XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX missed late payments open XXXX, XXXX 1 missed late payments opened XXXX, XXXX XXXX XXXX 1 missed late payments on XX/XX/XXXX open XX/XX/XXXX, XXXX XXXX XXXX  XXXX 2 Missed late payments XXXX XX/XX/XXXX and XX/XX/XXXX opened XX/XX/XXXX, credit XXXX bank NA XXXX missed late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX open on XX/XX/XXXX XXXX 1 missed late payment on XX/XX/XXXX opened on XX/XX/XXXX XXXX XXXX XXXX XXXX  {$480.00} opened XXXX, XXXX XXXX XXXX XXXX XXXX said I owed them {$8900.00} open XXXX They are not the Original Owners 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts.
Product: Vehicle loan or lease

At the beginning of XX/XX/XXXX I contacted US Bancorp about changing my address since I had recently moved to another State due to the XXXX moving me. While on this call the banker informed me that my payment would change to a lesser amount due to lease laws being different from Colorado and that I should make the new payment for the coming month. I asked specifically if this would generate a 30 day late since my billing cycle had ended and the reply was no. Needless to say, I ended up with a 30 day late for XX/XX/XXXX. I did not receive an additional call or mail to inform me that there was an issue. I even looked at the application for US Bank and it had a zero balance throughout XX/XX/XXXX and up until the new payment generated for XX/XX/XXXX. I have contacted them countless times and disputed it with them as well as XXXX. They have denied my dispute twice. I have been on time without fail since the lease started.

I even asked for them to review the phone call from XX/XX/XXXXto show them that my story was true and a simple mistake was made on their end. They refused to listen to the recorded call that had the banker saying that all would be great and the 30 day late situation wouldn't happen. They even siad if it was their fault, they wouldn't fix it. They have no interest in making this right and I want everyone to steer clear of this terrible Corporation. This bank does shady business and doesn't take responsibility for their employee 's actions. 

Ultimately, if you tell a customer to change a payment and that it wouldn't generate a 30 day late which can be proven on a recorded phone call, they should fix the issue immediately. US Bancorp is not interested in helping the hands that feed them.
Product: Credit card or prepaid card

I have been trying to deal with this since XX/XX/XXXX, but this still hasn't been fixed. I set up an automatic payment in XX/XX/XXXX, which was never set up until XX/XX/XXXX. After setting up the autopay in XX/XX/XXXX via email, I assumed that would take care of minimum payments. However, it wasn't set up as promised, and I was charged a late fee because of their inability to set up this automatic payment. They waived this fee in XX/XX/XXXX. Then I was told that the automatic payment would go through. And guess what, it didn't again. So I missed the next payment too, and I was charged another 2 late fees even after multiple calls. During all these calls, I was told that the late fees would be waived, but they still weren't, nor were the automatic payments set up. Then finally the automatic payment was set up on XX/XX/XXXX, but I was still waiting on the refund of the 2 late fees. One was refunded, but the second wasn't. When I called back, I was told that they couldn't refund it, even though on the previous call they did tell me they would. Not only that, but they have been charging me interest on the late fees which they have not refunded. After talking to them for half an hour today they finally told me they will not be refunding the late fees, even though it was due to their fault that even after setting it up in XX/XX/XXXX and following up with multiple phone calls totalling to many hours of time, this was still not resolved. I feel that this is utterly unprofessional and I should be refunded the late fees since it was their inability to set up a simple thing like autopay that caused this whole mess in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you can help me to remove these items from my credit because I can not progress in my life like buy a house, get car or even get a credit card. The way life is now credit is everything. On XX/XX/21, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. I am the only one who is working in my family and i need to provide a good life to my parents and these fraudulent items will hurt me to provide as son. so please help me while I move forward with helping my family thanks.
Product: Debt collection

This debt is not owned by me. I have never owned a XXXX account and from confriming information supplied, i believe that my personal details were compromised by a leak of information steming from a XXXX company security breech in 2012.
Product: Mortgage

I have two home mortgages with Mr. Cooper mortgage company that were previously with Nationstar mortgage company. Their website was inaccessible for a period of time on several occasions during 2024 and Mr. Cooper misapplied payments to both mortgage accounts after I submitted payments through their online payment system. I contacted them many times to have these payment applied correctly but they weren't for many days. This has happened before and I wish to ensure it never happens again and to hold Mr. Cooper accountable for their mismanagement of my mortgage loans.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : 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 XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX is attempting to collect a debt that is fraudulent and was as a result of identity theft. I have made XXXX XXXX XXXX aware that this account was opened in my name without my permission, and I have made XXXX XXXX XXXX aware of this same information but they continue to contact me and demand that I repay a debt that was the result of identity theft. I will not pay this debt and I do not owe this debt, and I am very tired of being contacted by both XXXX XXXX XXXX and XXXX XXXX XXXX about a debt that does not belong to me and this is a violation of the FDCPA because I have made both companies aware that this was as a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2017 I received a confirmation from Equifax stating the XXXX XXXX account I had been disputing was removed from my credit, after recently reviewing my credit file, Equifax has readied this account without sending a reinsertion letter which is against FCRA. 

Equifax Confirmation # XXXX XXXX XXXX,2017
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. the three credit bureaus below has violated my rights. 

XXXX XXXX Experian This is how my information should appear on my credit reports. 

Name : XXXX XXXX XXXX Date of Birth : XX/XX/1982 Social Security number : XXXX Address : XXXX XXXX XXXX XXXX XXXX , IA XXXX XXXX
Product: Mortgage

My house had a roof failure and we needed to rebuild. Freedom Mortgage received the check from our XXXX XXXX and has refused to release funds in a timely manner. Since XX/XX/year>, they have withheld rebuilding funds. I call every XXXX days asking for the payment promised. They come up with a new excuse as to why they won't release funds. Every time I supply them with whatever new thing they ask for, and have tried in good faith to get funds released so that I can rebuild my house. It is now XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report incorrect and illegal information on my consumer report. I have been trying to get this information corrected and they refuse to make the corrections. I have again sent a certified letter to Experian with Exhibits highlighting the personal information and the accounts that are all reflecting incorrect reporting. They have been tarnishing my reputation and hindering me and my credit worthiness. This false reporting has been causing me undue hardship as I have not been able to successfully obtain a vehicle and affordable domicile. It is their grave responsibility by law to report correct information on a consumer 's report and also do their due diligence in verifying the information that is being reported to them from creditors before even reporting anything on a consumer 's report. Had this been done, most of these accounts would not have been reported to being with. There are multiple accounts that are have inconsistent information being reported across all 3 credit reporting agencies including personal info, account numbers, open date, closed dates, amount owed, payment history. I have attached the documents to this complaint that have been notarized and certified mailed to Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report it shows that in the month of XX/XX/XXXX, that I had a late payment which is inaccurate. Also on my credit report under that same closed auto loan it states that the account has never been late. I also had issues with leasing another vehicle with Ford. I attempted to renew my lease in XX/XX/XXXX due to being over my miles, and was told I would be able to do so without any issues. I continued to get the run around about when my new vehicle would be ready and constantly called them. I was never contacted back and due to unsatisfactory service, was forced to turn my leased vehicle in early. I am now working on the remaining balance but have never had a late payment while the account was opened through Ford.
Product: Debt collection

Two collection companies ( XXXX XXXX XXXX ; Commonwealth Financial Systems , Inc . ), have filed inaccurate and erroneous information with all three of the major credit bureaus ( XXXX XXXX, and XXXX  ) on my credit files. XXXX XXXX XXXX ( XXXX ) is no longer affiliated with my account, even though they claimed to have been a creditor and owned this debt for over two years. I believe that XXXX sold this account at some time between XXXX and XXXX of XXXX to Commonwealth Financial Services, Inc. 

In XXXX ( XXXX ), I wrote certified letters to the three major credit bureaus ( XXXX XXXX and XXXX ) to dispute the accuracy of two delinquent items that had been on my credit reports. One item was a credit card bill, and the other item was a medical bill. The credit card bill was quickly removed. The medical bill did not reappear back on my credit reports until XXXX ( XXXX ). The credit bureaus sent me a report stating that the debt appeared to be valid based upon their investigation. I then sent a certified letter to the collection agency Commonwealth Financial Systems , Inc. ( CFSI ) to validate this proposed debt, along with them sending me copies of the assignment contract, licensing information and any original documentation from the original creditor ( XXXX XXXX XXXX ). CFSI only provided its internal reference number, the original creditors name and address, an account number ( altered to disguise the actual number ), the service date, amount due ( inaccurate ), and the current creditor ( XXXX XXXX XXXX XXXX, XXXX ). CFSI also attached a billing statement of charges on the current creditors letterhead. I sent a second certified letter requesting that they sending me the other information that I had originally requested in my first letter, along with a billing statement from the original creditor. In CFSIs response letter, I received the same billing statement, absent the other information that I had originally requested. 

In XXXX ( XXXX ), I sent to CFSI a certified letter which also contained a billing document from the original creditor ( XXXX XXXX XXXX ). I highlighted the actual charges that was in dispute, along with the area of the statement which indicated the date and amount of payment that was made. The statement clearly shows that all services were paid on XX/XX/XXXX. 

In response, CFSI has reduced the amount owed on my credit reports from XXXX, to XXXX. The account continues to show a past due and seriously delinquent status on my credit files with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and lexis nexis hold inquires for XXXX  XXXX, XXXX, XXXX XXXX, XXXX and XXXX   XXXX  on my credit report and record
Product: Credit card or prepaid card

On XX/XX/XXXX a payment was made for {$2000.00} dollars instead of the {$200.00} dollars I intended. I have called this company time and time again. I spoke with XXXX employee ID XXXX and was assured my refund would be processed. Its been a month and my refund has not been processed. Instead my limit was lowered.
Product: Credit card

I received a letter in the mail stating that I had applied for a card and I had NOT. I tried calling the bank and was put on hold for close to XXXX minutes after being passed around several times
Product: Debt collection

This company opened an account with my name saying I needed to pay them {$120.00} dollars or they would hurt my credit report ( after a couple of hours and phone calls they removed the balance because of the mixup ). They seemed to have mixed me up with my father ( who has the same first and last name, but different social security #, address, and middle name ). I never confirmed my identification to them ( they have the recorded call ) but told me I owed them money, somehow had access to my social security # ( even thought I never confirmed with them that that was my social security number ) and when I asked for their license number he refused to tell me over the phone. They also pulled my address information. I am disturbed that they have all of my information and did not provide me with their information. I am also disturbed that they mixed me up with my father who is almost 3 times my age, lives in a different state than I do, and is not me. I called to file a complaint and they hung up on me multiple times. I would hope they are investigated for their legal practices and that I can have my information removed from their system. ( Mainly providing my father 's medical information to me without his consent, not furnishing their license number, not confirming my identification and still giving out personal information to me ). They were very rude during the phone call and said this would negatively affect my credit report. I was able to resolve the actual debt by calling the medical office and my father who was able to clear up the misunderstanding, but the threatening of my credit report, not furnishing a license number, somehow gaining access to my social security number, and not confirming my identity and then giving me personal information does not seem right
Product: Credit card or prepaid card

On XX/XX/XXXX, I paid my full statement balance {$140.00}. At the time of payment I was under the impression that my credit card was paid in full. This conclusion was substantiated by the Barclays statement which says However, you can avoid paying interest, if you pay your purchases subject to interest ( excluding Easy Pay Offers ) plus any monthly Easy Pay Payment amount in full by the Payment Due Date every month. 

On XX/XX/XXXX, I received a statement with an interest charge of {$2.00}. Despite paying my balance in full on XX/XX/XXXX and having no purchases during the statement period. In the interest charge calculation portion of my statement, the purchases section indicated that the Balance Subject to Interest Rate for purchases was {$120.00}. Despite having no purchases in the statement period. When I called Barclays they did offer to waive the {$2.00} but I am still unclear on how the {$120.00} was calculated. I am also not confident that paying my full balance will prevent me from interest charges as the terms and conditions state. 

Following the conversation, I reviewed my statement for the period XXXX and I noticed a similar discrepancy in the interest charge calculation. Between my payments and previous balance the remaining balance was {$140.00}. However, when referencing the Balance Subject to Interest the Purchase amount that was used to calculate the interest was {$180.00}. Nothing in my statement adds up to that number and if that is interest from older purchases it should be labeled as such.

Although the charge was waived, Barclays representatives were unable to explain to me how paying the full statement balance led to interest charges in the next month. They were also unable to clarify how the purchase number was calculated.

I have statements to substantiate but I am unable to upload to this complaint due to the size. Please let me know how I can submit them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts started showing up on my credit report. Ive contacted the company about the issue but no resolution. I never authorized these accounts.
Product: Student loan

In XXXX, I submitted a consolidation loan ( XXXX and graduate ) to MOHELA at their recommendation. Upon completion, I had filed for the XXXX plan after discussing it with them, as I am a single father, making {$50000.00} a year. I was finally told in XXXX, after months of being told they do not know what is going on, that they will " elevate '' the call, that the reason the XXXX  application kept getting pushed is because it was filed as a " LEVEL '' plan and not a XXXX. Come to find out, the " elevating '' meant nothing as each representative could not find the others representatives ticket. 

Then, I had to repeatedly get administrative forbearance because MOHELA was facing delays in processing. 

I am trying to qualify for a mortgage. My mortgage lender needs and XXXX plan with an amount or a XXXX month forbearance letter. I spent almost an hour on the phone today, being reassured I would have this letter tonight. I called at XXXX only to be told it may or may not be there tomorrow, we can not make any guarantee. I told them I wanted to speak to a supervisor. I waited and was told I got permission to move on to the next level. Then I get an automated message saying that they would call me back in two days. 

MOHELA is engaging in deceptive practices and I am about to file a lawsuit dating back to XX/XX/2023. I am getting the runaround with this company and I am tired of it. Now it is going to prevent me from getting a mortgage.
Product: Credit card

I had applied for a bank of america credit card. They issued a wrong card with different benefits. In fact the card they issued had no benefits at all. When i was talking to rep about it, i was mis informed that if i cancel the card without activating it or putting any charge on it, it would not be reported to the credit bureaus. That made cancel that card and another card for my wife which was never activated. @ weeks later both cards are on our credit report as closed by consumer. Not only are they not clearing that, they are not letting me re-open those cards. This is hurting my credit. When i called back to inquire about, they are brushing it off as mis information on part of the agent and not offering any solution.
Product: Checking or savings account

I am having problems with opening checking account online with Bank of America, i am not seeing any problem that may prevent Bank of America approve my online request for opening Core checking account. 

Application numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I keep getting letters from XXXX companies trying to collect a debt that is not mine. I have written to them several times telling them it is not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to, the federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness. All three bureau 's I have asked for information showing proof of this bankruptcy they are reporting on my credit profile. 

I have sent letters to all three bureau 's from lexis nexis stating that they didn't release or report this inaccuracy to the three bureau 's. Now the three bureau 's have stated in there reports they received this information from lexis nexis. 

I have sent the three bureaus a letter from the bankruptcy courts showing they have never released any information regarding my name to anyone. 

All three are refusing to provide me information or proof that a bankruptcy belongs to me. 
It's not fair that these agency can still report inaccuracy on my report and cost me thousands of dollars. I wanted to complaint against the bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a letter from my attorney and an FTC report with the account in questions, this XXXX XXXX XXXX XXXX account is in litigation and needs to be deleted from all three of my credit reports