23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am meticulous about paying bills on time, and in mid XXXX of XXXX I sent off a check for the rough principal balance remaining on my account plus an extra amount for what I expected the accumulated interest to be, a total of {$1700.00}. My intention was to slightly overpay, and I assumed they would then send me some sort of document detailing the fees to pay off, recording, reconveyance, whatever. They received this payment XXXX, well before the due date of XXXXXXXXXXXX. Inexplicably, they returned the UNCASHED check to me by overnight mail, with a cryptic note saying only that I sent the wrong amount, and should send replacement funds-but no indication of what the correct amount was. I immediately called account services and was told that someone " assumed " I was trying to pay it off, so sent my check back to me. Disgusted, I asked the customer service person what the payoff figure with all fees would be, was told It was {$1800.00}, which I immediately sent and which they cashed on or before XXXX-I do not yet know the precise date but the automated account information indicates the account is paid in full and closed as of XXXX. The customer service rep, " XXXX '' could not explain why the initial check was sent back to me unprocessed, why they had not attempted to contact me by mail, telephone or email before sending it back, or why they did not include the actual figure they wanted but assured me that this payment would not be considered late. All should have been well, except that today I received a billing indicating that my XXXX payment was past due. I am beyond angry and frustrated, and my greatest concern is that this was or will be reported as a more than 30 day past due mortgage account, due no fault of my own. I have not uploaded any document, but certainly have the first and second letters from Bank of America.
Product: Checking or savings account

On XX/XX/XXXX I placed a dispute with USAA for an unauthorized charge of XXXX XXXX  with XXXX XXXX. Today is XX/XX/XXXX I have been given the run around. USAA finalized my dispute XX/XX/XXXX not in my favor I requested a re review its been weeks nobody has reached out to me. They refuse to let me talk to anyone that can help. Customer support claims to add notes to the dispute Ive never been given any reason why my dispute would not be in my favor. Nobody has asked for my side. They stated that I did not upload supporting documents but it was uploaded in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must delete these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Debt collection

After receiving a copy of my consumer report I've noticed that there is inaccurate information and accounts thats being reported. I then reached out to the creditor reporting this account and asked them to provide me any signed contracts, agreements, or receipts that verify the alleged debt. I also asked them to cease all communications with me which by definition, reporting this account to my consumer report its a form of communication in which they must remove. How can there be an alleged debt if there isn't any contracts or agreements between me and the creditor listed in my dispute letter. I never gave them the consent to obtain nor share my personal information which is a violation of my right to privacy. Violations committed by the creditor reporting this account : 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1692e - False or misleading representations.
Product: Debt collection

I contacted Collection Bureau regarding a debt I allegedly owe and request validation of that debt. I sent the letter by certified mail to make sure they received it and they did ; it was received in their office on XX/XX/2020 with certified mail # XXXX XXXX XXXX XXXX XXXX. To this day, XX/XX/2020 XXXX XXXX has ignored my request despite it being 75 days since they got the letter. They have not proved this debt.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian regarding inaccuracies in my personal information as reported in my credit report.

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. I request that my name be updated to reflect the correct information.

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly.

3. Contact Information : My main contact number is : XXXX. I would like this number to be updated. 

4. Date of Birth : XX/XX/year> ( XX/XX/year> ) 5. Employer : XXXX XXXX, XXXX XXXX XXXX XXXX. Florida XXXX. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license A copy of my Social Security A recent utility bill
Product: Credit reporting or other personal consumer reports

I was surprised that this account XXXX XXXX XXXX which is closed/paid is reporting negatively on my report. This account was paid and I was never late. I sent a letter to all credit bureaus but I never received a response from them. According to 15 U.S. Code 1681e ( b ) Everything reporting on the report need to be XXXX  % accurate. My attachments will show major inconsistencies in the reporting between the XXXX major Credit reporting agencies on XXXX XXXX. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payment showing on all three credit bureaus XXXX acct. XXXX XXXX Bank of America XXXX XXXX XXXX XXXX Retail acct. # XXXX In violation of 15 usc1681 section 602 I have the right to privacy 15usc1681 section 2-It also states a consumer furnish an account without my written instructions 15 usc1666b A creditor may not treat a payment on a credit card and open-end consumer credit plan late for any purpose
Product: Credit reporting or other personal consumer reports

My account with ( those creditors 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 those account 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Reporting agency refuses to fix documented incorrect information.

I have submitted dispute 7 times, several with supporting documentation.

They refuse to correct the

information. All the report needs to say on Mortgage Loan is that it was " sold or transferred ''. Instead it says " Discharged in Ba
nkruptcy ''.
Product: Vehicle loan or lease

My wife went to see a vehicle that she really wanted. I was at work and when I got home she told me she felt so pressured to sign papers even though it was not under her name. The guys at the dealer force her to get the car under my name without my authorization. I went to the dealer fought them about it and unfortunately could do anything about it.
Product: Debt collection

Power finance Texas sent me a email saying I applied for a loan and was denied and the email indicated that there is a adverse notice. I have not applied or have given consent to apply for this loan please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I joined Experian 's credit service called XXXX. 
There is a 7 day free trial. 
The day I joined I also cancled my memebership. 
I canceled because the credit reort I received from this bogus service was not even mine. 
I wrote and mail them a letter, since if they couldn't furnish my credit report. How could I trust their cite to cancel? 
I have attached that letter, dated XX/XX/2020. 
Recently, they charged my credit card anyway and I incurred an overdraft fee. 

So fine this incompetent and fraudulent Experan service immediately. 
Have Experian actually furnish my credit report. 
Have them cancel my membership and take their charges off my credit card immediately. 
This is fraud. There should be severe consequences. Do your job.
Product: Credit card or prepaid card

On XXXX XX/XX/19 I made a XXXX purchase for some clothing using my XXXX Card. I made a purchase for {$79.00}, but only {$71.00} was shipped. The {$7.00} purchased was mailed months later and I paid it in XXXX. However ; the payment did not go through for {$7.00}, like XXXX did this to me last month and I even have the confirmation numbers. I had to make the payment again and today I also made the {$7.00} payment to XXXX because it did not clear my bank ; however, the total payments of my account had already been made for the amount of {$89.00} ; when, the total balance of my order was {$79.00}. I even had to return a pant that sold for {$2.00} plus tax. I am size XXXX XXXX, or XXXX size. But XXXX sent me the pant with a waist measuring XXXX inches! Which would be the size of a person weighing 400 lbs. When I returned it, the horror story began, with XXXX charging me {$9.00} when they had send me a prepaid label for this amount due to their error! I've had XXXX Credit card for a very long time, over 10 years and also have a history of making ALL my payments on time 100 % of the time. This is how CPA Tier II accountants are, righteous! XXXX says I owe now {$130.00} ALL PAST DUE CHARGES AND INTEREST, WHEN I OWE XXXX XXXX AND EVEN HAD REWARDS OF {$41.00}! Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

U S Bank Improper Use of Reporting In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under U.S.C. 1681 section 602 states I have the right to privacy 15 U.S.C. 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions.. Under 15 U.S.C. 1666 ( b ) a creditor may not treat a payment on consumer account under an open end consumer loan/ credit plan as late for any purpose
Product: Mortgage

Lost my job in XX/XX/XXXX. I 've been trying to get my payments back on track since XX/XX/XXXX. I 've had 3 monthly payments returned to me. I applied for a loan modification and was denied. I appealed the decision for a loan modification and during the appeal and decision time was able to come up with the total amount due. I was given a due date to appeal by XXXX XXXX 2015, I sent a check to mortgage company for total amount due to bring my account current. I called mortgage company on XX/XX/XXXX to see if my check for total amount due had been received to find out my appeal had been denied and my mortgage was submitted to foreclosure on XXXX XXXX 2015 without written notification, or the chance to bring account current. I have been trying repeatedly to work with PHH Mortgage to get my account current. Seems as though they want me to lose my home. Very disappointed, and aggravated at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted to be informed that my account was now in the hands of someone else to collect in which I didn't give permission for my personal information to be given to anybody for the 3rd time and the amount has doubled. One agency shows it has a balance unknown but it has a balance also the agency that acquired the account has a balance as well. I filed several disputes with each of the credit bureaus and it keeps adding accounts to me that doesn't apply.
Product: Credit reporting 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 under 15 USC 1681. 

Account Number : XXXXXXXX XXXX XXXX Account Name : XXXX Account Number : XXXX XXXX  Bankruptcy Account Name : XXXX Account Number : XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX Account Name : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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.
Product: Checking or savings account

I have made a couple deposit where the bank would place a hold and would not release the funds until as long as a few weeks later. This caused a lot of inconvenience and accrued many overdraft fees that I had to call in and ask to be removed. 

The ending balance was enough to cover yet, I still received overdraft fees because of the lengthy hold. 

I received 2 overdraft charges on XX/XX/XXXX overdraft {$70.00} with ending balance {$970.00}. 1 on XX/XX/XXXX for {$35.00}. 
XX/XX/XXXX 3 fees of {$100.00}. 

There the lengthy deposits begin on XX/XX/XXXX for {$1700.00} and XX/XX/XXXX I called in to see this was taking longer to clear and they respond that it was a new account when I had similar deposits before.
Product: Bank account or service

I deposited {$400.00} cash in an ATM on Saturday night XXXX/XXXX/16. The machine ate my entire deposit giving me no cash back and a receipt saying to call my financial institution. I called Huntington immediately and a very rude employee named XXXX said there was nothing she could do and that I should call back Monday morning. I called Monday and was told that I should have filed a dispute on Saturday. Now I have to wait 2 more business days for an investigation! What am I supposed to pay my bills with!? I deposited cash for gods sake!
Product: Checking or savings account

Key Bank I am a 50 % beneficiary ( Proof of Death ) on my mothers bank account. I provided a certified death certificate and the bank will not issue the 50 % balance. They stated that Key Bank policy is to require both parties must be present in order to distribute and close my deceased mothers account. I have done the following to remedy this issue.
Call customer service number " multiple '' times and logged complaint Bank XXXX Ref # XXXX one example.
Request customer service to escalate to corporate and they stated this was a branch decision. When to a second branch office and they stated the same policy.
Request the contact information for the Key Bank Compliance Officer an was denied information. Request that I send a e-mail my complaint in a e-mail which they to forward and they denied this request as well.
My mother had accounts at other financial institutions and I was able to withdraw my percentage without have other beneficiary present. ( i.e. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, a large national bank contacted a primary checking account in XX/XX/2021 about a possible fraudulent check written on the account. The check was confirmed by the account holder to be fraudulent and an identity theft dispute was initiated, acknowledged, and accepted. Four months later the bank has not returned the money to the account holder. The checking account was tied to a reserve line of credit. The bank 's internal processes covered the overdrafts by drawing on the LOC. The bank then knowingly reported to all credit reporting agencies the balance of the LOC tied to a known and acknowledged identity theft matter for four consecutive months ( XXXX XXXX  ). The account was a joint account with the senior-aged account holder and XXXX adult children. The bank reported the reserve line of credit as past due in XX/XX/2021, which severely negatively impacted all four joint account owners. Upon contacting XXXX XXXX, contradicting stories were presented on when the fraudulent activity was flagged. XXXX XXXX Bank representative claimed the fraud was flagged in the XXXX XXXX  system on XX/XX/2021. Another XXXX XXXX  representative correctly stated the fraud was flagged on XX/XX/2021. If it was truly flagged on XX/XX/2021, XXXX XXXX  violated the FCRA by reporting a known identity theft related account information to credit reporting agencies. If it was flagged on XX/XX/2021, they violated the FCRA by reporting a known identity theft related primary checking account as fraud and not the related reserve line. The Fair Credit Reporting Act states : " Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). " Common violations of the FCRA by a creditor or other information furnisher include failing to : notify every CRA involved that you dispute the debt submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$130000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 

XXXX XXXX XXXX XXXX XXXX Opened Date XX/XX/ Balance {$0.00}
Product: Vehicle loan or lease

The company is CNAC- car now acceptence company. They are trying repossessed my car and charge high interest on car loan. CNAC- engaged deceptive practice and charge very high interest rate for their cars. I am struggling pay for my car and threatening repossessed my car. I try to pay for my car and even made a couple of payments, they told me they will repossessed my car.