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

My account with ( XXXXXXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 reported in ( MONTHS REPORTING LATE ) to be removed.

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 21 days before the payment due date. 


( XXXXXXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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: Checking or savings account

Capital one has not deposited my direct deposit yesterday. I have bills to pay and a kid to feed and cant get through to customer service and there is no resolution or eta of when I can expect my money. They said Thursday night or Friday morning. Still nothing! Just keep saying its temporary. Well my kids eating is not a temporary thing.
Product: Mortgage

I am writing to file a complaint against Nationstar Mortgage ( Mr. Cooper ) regarding serious issues related to the servicing of my loan, which have caused significant financial harm and confusion. These issues relate to breaches of contract, improper loan servicing transfer, and violations of the Real Estate Settlement Procedures Act ( RESPA ) and HUD regulations. 

Details of the Breach : Invalid Loan Transfer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) informed me that my loan would be transferred to Nationstar Mortgage ( now known as Mr. Cooper ), effective XX/XX/year>. However, HUD records show discrepancies in the loan transfer history, and there is no record of a transfer to Pacific Union LLC, which Nationstar claims to have received the loan from. Additionally, I did not receive any notice from Pacific Union LLC regarding their involvement, further casting doubt on the validity of the transfer.

Failure to Provide Required Notices : I did not receive the required notices of the loan servicing transfer from Pacific Union LLC or Nationstar Mortgage ( Mr. Cooper ), violating RESPA and HUD regulations, which mandate clear and timely notice of any servicing transfer, including the name, address, and telephone number of the new servicer. This lack of proper communication created confusion and financial difficulty for me.

Financial Impact : Due to these improper servicing transfers, payments were mishandled, causing negative credit reporting and financial harm. This mishandling resulted in my loss of access to credit products and forced me to take out a modification loan to address the consequences of these errors. 

Request for Loan Cancellation and Refund : In light of these breaches, I am requesting the immediate cancellation of the loan and the removal of the lien on my property. I also request a refund of all payments made since my initial payment to XXXX on XX/XX/year>, as these payments were mishandled due to the improper transfer process. 

Request for XXXX XXXX XXXX : I am requesting a copy of the XXXX XXXX XXXX related to XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), as I believe this is essential to ensure that proper financial protection and remedies are in place for consumers like myself who have been adversely affected by this mismanagement. 

Supporting Documents : Notices of transfer from XXXX and Nationstar ( if available ) HUDs official records showing discrepancies in the loan transfer history Correspondence from XXXX and Nationstar, if applicable I would appreciate the CFPB 's intervention in this matter to help resolve these discrepancies and facilitate the cancellation of the loan. The mishandling of my loan has caused significant harm, and I request that Mr. Cooper or XXXX XXXX  ( the current servicer ) be held accountable for their failure to adhere to federal regulations.
Product: Debt collection

This is the second time reaching out to your company requesting you to validate this alleged debt. Please note that I DO NOT WANT A VERIFICATION, but a VALIDATION of this alleged debt.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently went on XXXX and began filling out their online application to get a quote on how much I would be able to receive as a loan with the first time homeowners program. I did NOT submit any of my information and after randomly checking my credit score XXXX, I noticed that my credit score has DECREASED about XXXX points. I looked to see what caused this drastic change and saw that it was based on XXXX banks pulling hard inquiries on my credit without my consent or knowledge. I would like to file a complaint with Transunion and to reverse this action and return my score to its original score if possible. Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened is someone obviously misused my personal information and it has haunted my credit file and emotionally drained me. I used to trust the credit agencies but their just as much to blame as the perpetrator themselves. Never once has the credit reporting agencies provided me with any documentation that I requested in regards to these accounts. I hope this issue can be resolved without any further actions, your cooperation is appreciated. I'm demanding these accounts be removed. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit card or prepaid card

I been trying to pay my bill with comenity and they keep saying theyre trying to solve the problem its been down for past week and they still havent fixed it yet im thinking this site is fraud and using us for its benefits and going to charge us and ruin our scores even though THEY ARE THE PROBLEM
Product: Credit reporting or other personal consumer reports

XXXX XXXX ran my credit when there was no need to, bank representative ran my credit which in fact has ruined my credit because of inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I need removed due my credit literacy I didn't know this would hurt my credit, and that it has done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX  XXXX XXXX, 06 XXXX, DEPT OF ED/XXXX, DPT ED/XXXX,  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, UNIVERSITY XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX USA, XXXX, XXXX XXXX XXXX, XXXX UNIVERSITY Company Inquiries : 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

I, XXXX XXXX, opened a savings account with Citibank. I was supposed to receive a {$400.00} bonus for opening the account and meeting certain terms ( XXXX in new money within 30 days and held for 60 days ). I was also supposed to receive a {$100.00} bonus for two direct deposits in consecutive months to my checking account within 60 days. I met all the requirements and did not receive the bonus within 90 days as stated in their terms. I have attached a screenshot of the terms that I took when I opened the account, just in case Citi decided not to honor the promotion.
Product: Money transfer, virtual currency, or money service

I have an account with Crypto.com with a little over {$1000.00} unvested in crypto coins. About several weeks ago my account started saying that my password was incorrect, and when I tried to do a reset password I always get an error prompt and it won't let me reset my password. I have reached out to the company multiple times, but I always get the same response from different people, but no option to reset my password. I can provided email responses upon request.
Product: Money transfer, virtual currency, or money service

On Saturday, XX/XX/XXXX at XXXX was using the Crypto.com App. While using the app, I refreshed the " XXXX XXXX XXXX page and suddenly an option to buy XXXX crypto ( for the amounts you'll see in the screenshot attached ) popped up. XXXX XXXX %! I acted quickly and purchased only {$25.00} knowing thatd still be an incredible amount. The transaction was successful the balance was in the millions! It was so many numbers! I could hardly contain myself! I was thrilled! 

I took the screenshow of the page to show my wife while it was still showing the XXXX % Then went to the account to take a picture of that as well. Thats when i noticed a massive discrepancy. Instead of millions, I received around {$20.00}. " Oh well '' I thought. It was a ton of money. The system was probably still catching up. Thankfully I had the screenshot for support, and could show them that I had just purchased the XXXX XXXX due to my receipt. I'd just explain. 

Having evidence on my side, and knowing it must be a mistake, I instantly contacted Crypto.com customer service. I explained honestly what happened. Showed them the screenshot. They explained that they don't offer refunds, to which I responded that I didn't want a refund, I wanted what I had been advertised. I wanted what I paid for, and asked if they could look at my evidence, and fix the transaction for me... 

From there I have endured lies, harassment, false promises, challenges to take them to court, potential fraud, customer service reps claiming authority to deny my evidence on behalf of the Crypto.com Board of Directors and Investors ... its been a mess. 

I have recorded conversations with Crypto.com customer support which supports every single word I say. I would not go through all of this trouble if I didn't have the truth and the Lord on my side. I request your assistance. Please. 

I have already informed the AG of Maine, the XXXX the FTC, and now you. I have sent the recorded conversations to the AG and XXXX I will send them to you as well, whenever you request such information. 

Currently, I am waiting for someone named XXXX from the Crypto.com Complaints Team to contact me regarding a decision on what Crypto.com will do about this situation. She said it may take up to 15 days, and that worries me. That's a lot of time, and many things can happen between now and then. I am asking for someone to contact them on my behalf and act as mediation. I'd like to settle with Crypto.com privately and compromise. I do not want to go to court if it can be avoided, and I want nothing more than the amount I thought I was going to receive for my {$25.00} investment. 

Thank you for your time, XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, my service transferred my loan to a new servicer but did not transfer my mortgage payment. I have tried to resolve this issue but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted the affidavit form XX/XX/2021 which was received by certified mailed stating that I was a victim of identity theft to Experian who has not fully investigated my case of my address, names, and inquires that where done under my name by someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account number XXXX 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: Debt collection

I am trying to buy a house, and SUNRISE CREDIT SERVICE placed a account on my credit report. According to the Fair Credit Reporting Act ( FCRA ), the collection agency in question has infringed upon my rights. Under 15 U.S.C. 1681 Section 602, it is clearly stipulated that " I have the right to Privacy. '' Furthermore, 15 U.S.C. 1681 Section 604, subsection A, section 2 explicitly states that a consumer reporting agency is prohibited from furnishing an account without my written instructions. Moreover, I have not received the required letter of validation for the debt in question, which means I have not been provided with written validation or proof that this debt belongs to me.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. 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 reported in 60 days to be removed. 


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 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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 8
Product: Credit card

I applied for the Chase United Club MileagePlus Visa card offer on XX/XX/XXXX. I received a promotional offer for XXXX united points and XXXX pqp points after XXXX spend in the first 3 months. The cost was {$520.00}. After being accepted, I immediately called Chase to confirm that i would get the XXXX points AND the XXXX pqp points. I said i did not want the card, if my offer package did not include the XXXX pqp... but was ensured multiple times the XXXX pqp points were included. I asked for a reference number and I was told it would be emailed to me but never was. PQP points are used by United Airlines for Status which was important for me to get extra legroom for myself and XXXX  who have XXXX  XXXX XXXX. 

After reaching well over {$5000.00} in credit card spend, i received XXXX points but no PQP. I called multiple times in XXXX, XXXX and XXXX to confirm the XXXX PQP would come and multiple Chase representatives told me they saw the offer, the note and it should post any day. 

In XXXX and XXXX, I escalated multiple times to Chase representatives who said they would send a response in XXXX weeks. I receive multiple times a response that it was not a valid offer with no remediation options. I clicked on a link offered to me by Chase/United , I confirmed the offer the and was told multiple times it was a valid offer. I set my credit card spend around reaching a certain United Status and Chases ' failure to deliver the XXXX PQP has stopped me from preventing the desired status. Well also not ideal, if i was informed earlier I would have adjusted my spending patterns to reach this goal. Chase 's dishonesty and inability to address this issue is causing a real issue for me and my family.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit file. Below, I detail the specific issue and request its correction. 

Account Name : APPLE CARD/GS BANK USA Account Number : XXXX Inaccuracy Identified : The account reflects the status Paid in settlement. {$1000.00} written off, which is inconsistent with the payment history provided. Specifically : 1. Payment History : The 24-month payment history shows continuous delinquencies ( marked in red ) from XX/XX/XXXX through XX/XX/XXXX. However, the comments state that the account was Paid in full for less than the full balance and that the dispute investigation was completed. This discrepancy suggests that the reported payment history might not accurately reflect the accounts resolution. 
2. Settlement Date : The record states the last payment date as XX/XX/XXXX, yet there appears to be an issue with how delinquencies are being represented even after the payment resolution. 

I believe this information misrepresents the status and timeline of this account. Such inaccuracies can negatively impact my creditworthiness, and I respectfully request a thorough investigation. 

Requested Resolution : please remove account from credit report I have attached copies of my credit report highlighting the discrepancies for your reference. Please notify me in writing of the results of your investigation. 

Thank you for your prompt attention to this matter. I look forward to your resolution within the time period allotted under the Fair Credit Reporting Act ( FCRA ). 

Let me know if you need further adjustments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint Regarding Unrecognized Account and Identity Theft To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau to report a concerning issue on my credit report related to unrecognized account. Additionally, I have reason to believe that these account may be the result of identity theft. I have attached the supporting document outlining my identity theft claim for your reference. 

The unauthorized account listed on my credit report, which I believe to be a consequence of identity theft, are as follows : XXXX XXXX  XXXX XX/XX/2022 I have taken immediate action by reporting the identity theft to the relevant authorities. However, it is alarming to find these unauthorized ACCOUNT on my credit report, as they suggest potential fraudulent activity that may adversely affect my financial well-being.

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these unrecognized account. I urge you to consider the impact of these account on my creditworthiness and overall financial standing. I trust that the CFPB will exercise its authority to ensure that my consumer rights are protected under the Fair Credit Reporting Act ( FCRA ) and take appropriate measures to rectify this matter promptly. 

I kindly request that you provide a written response acknowledging receipt of this complaint and detailing the steps that will be taken to investigate and resolve the issue. I kindly ask to be kept informed of the progress and outcomes of the investigation within a reasonable timeframe. 

Thank you for your attention to this matter and for your assistance in resolving this issue. I trust that the Consumer Financial Protection Bureau will act diligently and with utmost care to address this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX XXXX XXXX