23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2021, I received an email notification from the Navy Federal Credit Union ( NFCU ) that for free XXXX year XXXX XXXX member if I use my NFCU Flagship credit card for the XXXX XXXX purchase or renewal. The email red, Make getting your summer essentials simple with a free year of XXXX XXXX. Just pay the annual membership fee with your XXXX credit card, and well reimburse you. Thats up to a {$130.00} value! 

Already Have Prime? 
Renew your annual membership with your card before XXXX XXXX, 2021, and well credit your account. 

On XX/XX/2021, I renewed my prime membership using my NFCU XXXX credit card. 

I followed up in XXXX with XXXX as to why I did not receive account credit, and they explained it will take XXXX weeks. 

I also followed up in XXXX and was told that I should receive credit with XXXX business days. After XXXX business days, I called and was informed I will not receive the credit since I took advantage of promotion in the previous year. 

However, there was no overlapping in service, and this email was different from previous promotion email. Promotion did not specify that those that have use the promotion in the past do not qualify. Also, if that was the case, why send me the promotion again as NFCU already have information that I used promotion the previous year. 

I explained to them the advertisement did not state so, and that I only renewed XXXX XXXX because of the promotion. I asked for escalation and was placed on hold for over an hour to be told there is nothing NFCU can due. 

This is unacceptable as I was misled to sign up for XXXX XXXX and did not receive account credit for the cost. I have no choice at this point but to involve CFPB.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH capital 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 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 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. 

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 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: Debt collection

I recently received an identity theft alert on   XXXX   XXXX   from the  XXXX  service as I was a recent victim of the    XXXX   XXXX   data br each. This alert identified a new account in the amount of {$160.00} that was posted to my credit file on   XXXX   XXXX   by an entity name d Transworld Systems. I immediately called to place a fraud alert on my credit file.       Transworld Systems has never attempted to contact me about any debt in any amount before placing this on my credit report, and I a m completely unaware of the alleged amount ow or what it is potentially for.     I believe this is an attempt at identity theft and will also be filing complaints at the state level and considering legal action. I wish to file an initial complaint agains t Transworld due to th e fact that they have provided me absolutely no information of any kind or even attempted to contact me by mail or phone to explain what this bill is for. Nor has  Transworld sent m e any correspondence or bills tha t I may review o r dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report negative information on my credit report. I have disputed these items to no avail and they claim they will not re-investigate when I am entitled to a full investigation of these items. They are in violation of the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility.This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the account stated above .Also, I contact the company thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 

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

I received a notice from credit acceptance that if I paid {$4300.00} within 90 days of the letter datedXX/XX/23 they would close my account and if the account was still reporting to the credit bureaus it would be updated to zero balance and paid in full for less than full balance. I paid the account in full onXX/XX/2023. I then called onXX/XX/23 the rep stated the account was closed so I requesed a letter stating that it was paid in full and they would be updating my credit report. I was faxed that letter as well as mailed the same letter. I have had way too many issues with this company in the past so I disputed the info because I knew they would not update it accordingly and of course they responded to the dispute that everything was accurate on the account which is a lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information regarding the account XXXX on my credit profile is reporting different account dates and inaccurate names of the creditor for each bureau. 

I have disputed this information with them directly but they are refusing to delete the account. 

They are reporting inaccurate information and it is hurting my financial future. 

Reporting different dates for each bureau. 

XXXX Date of last reported : XX/XX/XXXX XXXX XXXX Date of last reported : XX/XX/XXXX XXXX Date of last reported : XX/XX/XXXX Reporting different names for each bureau XXXX- COMENITYCB/MYSMLCARE XXXX XXXX- COMENITYCAPITAL/MSC XXXX- XXXX The bureaus are reporting fraudulent payment history as well regarding this account. 

XXXX : Exceptional payment history XXXX XXXX : No payment history XXXX : Reporting one month of payment history
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed a short sale XX/XX/2016. Mortgage was paid in full, yet the accounts still appears on my credit report as delinquent. I've contacted all 3 credit bureaus about removing the accounts numerous of times. My request have been ignored. Can you please assist me? I feel like I'm being treated unfairly. My last attempt to remove these items cause my credit score to drop. This is odd to me because, my credit utilization lower than it has been in months. and my payment history is at 100 %. My last late payment on my report is the actual mortgage itself. This system seems to be rigged in a way where it leaves people at the mercy of the credit bureaus. Please have them do the right thing here. If you investigate my history, you'll see everything that I'm saying is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

*The Correct and Only Spelling Of My Name Is XXXX XXXX XXXX Following Addresses Do Not Belong To Me I Need It Removed 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  These Inquiries Are Fraudulent and Also Need To Be Investigated & Removed From Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In Accordance with the Fair Credit Reporting act XXXX XXXX has Violated my rights.

15 U.S.C 1681 section 602A. States I have the right to Privacy 15U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions or consent.
Product: Credit reporting or other personal consumer reports

I have exausted every avenue possible in obtaining my report and data that CLARITY SERVICES is providing and selling. Every Online, mail and phone requests were all denied telling me that they can not verify my info ( even when i provided documention via mail ) Im done with this company and there tactics. they will sell it to anyone in the world but deny me saying i cant be verified. Thats fine! I am sending the a good faith demand letter then filing suite when thats ignored. I will not waste another minute other than obtaing the free council and representation provided to me through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am on a mission now. Send it or dont send it. Doesnt matter anymore because we will let the judge decide.
Product: Credit reporting or other personal consumer reports

The XXXX reported on my credit file is incorrect, and this inaccuracy is detrimental to my credit score. By misreporting the XXXX, you are effectively re-aging the account, which is a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681. TU reports the XXXX as XX/XX/year>. XXXX reports the XXXX as XX/XX/year>. XXXX reports the XXXX as XX/XX/year>. Please see the attached dispute letter which is dated and time stamped. Delete this account and provide me with a written confirmation of the deletion. Failure to do so will leave me no choice but to pursue legal remedies for the damages caused by this inaccurate reporting.
Product: Credit card or prepaid card

XXXX took over from XXXX XXXX  XXXX XXXX Credit Card. At the date of the switch, I had a balance of {$1900.00} with XXXX that switched to XXXX. I never received my card from XXXX so I was never able to activate my account or access it online. Nor was I able to send payment with the correct account number, since I didn't know what the account number was. The payment was due on XX/XX/XXXX. I used online bill pay with my bank, XXXX, to make the payment. They mailed a check, # XXXX to arrive on XX/XX/XXXX. On XX/XX/XXXX, I received an email from XXXX that my payment was now due on XX/XX/XXXX, so I called them on XX/XX/XXXX. They claimed not to have received my payment. I emailed my bank on XX/XX/XXXX. I asked them if they had the canceled check. They emailed me back that they did not on XX/XX/XXXX. I then asked them to stop pay on the original check and send a replacement, which they did on XX/XX/XXXX, ck # XXXX. On XX/XX/XXXX, I called XXXX to see if they had received the replacement check. They said they had posted a payment of {$1900.00} on XX/XX/XXXX, two days before I had called them the first time. I asked them why they had told me that they didn't have my check on XX/XX/XXXX. All she would say was that the check was returned, but payment was not stopped until XX/XX/XXXX, so they had my check on XX/XX/XXXX and had even posted it, but lied to me about it. And there is no reason that it should have taken until XX/XX/XXXX to get the check since it had been mailed to arrive by XX/XX/XXXX, so they deliberately held the check until after the due date to charge late fees and interest. I contacted XXXX today, XX/XX/XXXX, and am told that the second check is still outstanding. So despite the fact that it was sent on XX/XX/XXXX, it appears that XXXX is again holding it until after the due date. They do not accept ACH payment. They allow payment on their website, which I couldn't access since I never got my card from them. They allow payment over the phone but they charge for that. So they basically forced payment by a mailed check and then hold the check long enough that they can charge interest and late fees. And they are wrecking my credit with this practice.
Product: Debt collection

XXXX XXXX XXXX. is billing of a debt that I dont owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to request to credit bureaus to remove inaccurate report from my credit report but no changes has made. The late payments are still showing up in their monthly report. I was never late on my payments and always paid on time. These inaccurate reports is affecting my job and livelihood.
Product: Debt collection

I did not consent, authorize nor benefit from any of the following inquiries. Block and remove them. 
1. XXXX XXXX  - XX/XX/2021 2. XXXX XXXX XXXX  - XXXX XXXX 3. XXXX XXXX XXXX  - XX/XX/2021 4. XXXX  XXXX BANK XXXX  - XX/XX/2021 XXXX
Product: Mortgage

RE property inspections, Send any and all photos taken of the property from XX/XX/ thru XX/XX/ include the dates and times the photos were taken
Product: Debt collection

I spoke with a rep in XX/XX/XXXX and explain not to call my work place due to repeated calls. I received more calls to my work place after.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXX XXXX Balance : {$XXXX} XXXX XXXX  Balance : {$XXXX} XXXX XXXX Balance : {$XXXX} XXXX XXXX Balance : {$XXXX} XXXX Inquired XXXX XX/XX/year>XXXX XXXX
Product: Credit card or prepaid card

Applied for a credit card with Citi. Approved, FICO SCORE XXXX - was told with card I would get 0 % on Purchases/BT for 18 months. Made a purchase, never got a statement - it was returned by post office. Citi never notified me of returned mail ; knowing I made a purchase I called to do a payment by phone ( where there website was down for me to be able to register the new card ) the payment was obviously late by a day - was charged a late fee and also received a notification that the late fee was waived - finally got logged in saw I was charged interest. After trying to resolve over the phone by waiting to be disconnected I logged on line and had a chat. Where I was told the actual terms only applied to balance transfers that they would enroll me in the COVID program to waive the foam deadline charge - good thing I followed up from my conversation two weeks ago. The finance charge was not waived. I talked two two different associates. They received more returned mail. The address was not updated this First time and th why are refusing to waive the finance charge. I was asked to call customer service where they disconnect and hang up on you. Fair and deceptive practices here
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill it legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable abounds unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filled a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where, Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as Transunion inaction violates federal law and may rights as a consumer.
Product: Checking or savings account

I used a CitiBank account while I did My XXXX XXXX at XXXX. I left XXXX $ deposited in that account now CitiBank says that they closed the account and they were not able to locate the funds, these were my savings.
Product: Student loan

I have sent several requests to get my payments lowered and have been denied. They want me to pay XXXX a month and I only bring home XXXX every 2 weeks with XXXX children to take care of. So now I have to get back into college, take up more debt, because I cant afford these payments and it is stressing me out with every email that they send. I call on the phone and they just refer me back to the forms online. Then I didnt quality for the military discount because my loans are consolidated. But I completed the consolidation to have 1 low payment. So that means XXXX provided me with false information and I could have benefited from the military discount.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Companies are not complying with their own policies in a timely manner!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), Account Name : XXXX XXXX with the account number : XXXX has violated my rights The violation occurred as follows : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy The FCRA grants me the right to privacy regarding my credit information. It has come to my attention that the handling of my personal and credit information associated with my XXXX XXXX account has breached this right. I request that you review the privacy aspects related to this account. 

2. 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement As per the FCRA, a consumer reporting agency can not furnish account information without my written instructions. I have not provided any written instructions authorizing the furnishing of information regarding my XXXX XXXX account. Therefore, I urge you to investigate the source of this information and take appropriate action to rectify this violation.
Product: Credit reporting or other personal consumer reports

I received unauthorized hard inquiries do to identity theft.
Product: Mortgage

I submitted for mortgage assistance in XXXX of XXXX. They kept asking for XXXX more thing. We finally got approved to start XX/XX/XXXX. I have filled out the contract XX/XX/XXXX times They say each time the company rejected it. Today after making XXXX payments towards this plan on time ... they say they are canceling it. They say they will foreclose. I attempted to contact XXXX XXXX my customer representative and he was not available nor was any other representative. I can not get an appointment until the next day.
Product: Mortgage

Received a home modification with Ocwen in 2014 after many rip off schemes by them! Was supposed be XXXX! Taxes and insurance. Since then my mortgage has gone up to XXXX. I can understand the first year it going up but since then my taxes and insurance has only gone up XXXX. Second yr went up to XXXX. Nowlast 2 years saying insurance in XXXX when it clearly states XXXX. So if only my tascholl taxes went up XXXX which is once a year.y am I paying them XXXX more every year. Last 2 years only increase was taxes now wants raise mortgage to XXXX. Y from XXXX when only thing up is tax by XXXX so y do they want XXXX more a month. Trying day insurance going up to XXXX which also stated was last year and they pd out XXXX. So where 's all this extra money going that 's XXXX over last yr from there escrow reason for raisin. They are ripping me off agin. Years ago charged me XXXX said pd my insurance have me insurance I did not need and we had insurance still waiting for that refund filed with XXXX and XXXX never heard or got check promised as others also waiting. Tried numerous times call escrow Dept wo n't return calls. This is a giant rip off company. I need this settled by them ASAP. It 's crazy liers not only XXXX there doing this to. please help
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX New York, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Formal Dispute and Demand for Removal of Inaccurate Accounts Under 15 U.S. Code 1681o Dear Consumer Financial Protection Bureau, I am writing to formally dispute and demand the immediate removal of inaccurate and/or improperly reported accounts from my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, you may be held liable for negligent noncompliance with federal credit reporting laws. 

The following accounts have been wrongfully reported and must be deleted immediately : Account ending in XXXX Account ending in XXXX Account ending in XXXX Account ending in XXXX Your failure to ensure accurate reporting has caused me significant harm, including but not limited to : Damage to my credit score Denial of credit opportunities Increased interest rates Emotional and financial distress This constitutes a clear violation of the FCRA, and as a result, I am requesting immediate deletion of the above accounts to fairly resolve this matter. If this issue is not resolved within 15 days, I will have no choice but to escalate my complaint through legal means and seek damages as permitted under 15 U.S. Code 1681o.

Please provide a written confirmation once these accounts have been deleted from my records. I expect a response no later than [ 15 days from the date of this letter ]. 

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

I just recently looked at my credit report on XX/XX/year>. I saw some hard inquries that did not have my permissible purpose. I have also attached evidence XXXX. XXXXXXXX XXXX ( XXXX ) XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. XXXX ( XXXX ) XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX ( XXXX ) XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Debt collection

A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account XXXX Collector : XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Unpaid Balance