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

I contacted XXXX XXXX to close my credit card in XX/XX/2017. I did not realize the card that required a complete payment of the balance each month. I was laid off from my job and this became difficult. I reached out to XXXX numerous times to ask for a payment plan and was rejected, so I requested the card be closed and I informed them that I would still pay on it. The card was not actually closed until XX/XX/2017. However, XXXX still was charging me a monthly late fee of {$38.00}. The late fees should not have been charged on a closed account. I requested the account to be closed in XX/XX/2017. 

XXXX  also keeps updating my credit to show that I am recently 30-plus days late, which is entirely untrue. I feel they are purposely trying to sabotage my credit, as each time they update this account my credit score significantly drops. 

I have disputed this falsely reported account numerous times through the credit bureaus and XXXX always verifies the information as inaccurate. They fraudulently charged me late fees, are intentionally sabotaging my credit, and refuse to report the accurate amount owed. 

I obtained an XXXX XXXX card because I was under the impression that their customer service was top-notch and my experiences here have been very disappointing. 

I have attached a statement from 2017. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I noticed that my score was not updated on TransUnion and that my credit card usage did not reflect the true amount I put in a credit dispute clearly a stating that I needed the correct amount UPDATED TransUnion deletes a active reporting from my account and will not re-insert the credit file it dropped my score 41 points and its no longer showing on my credit report I called the bank because TransUnion says they deleted it and the bank has no clue what Im talking about but the other 2 credit bureaus are still reporting it I need it put back on my credit report
Product: Mortgage

We have been issued foreclosure notices by Wells Fargo on a second mortgage. The reinstatement quotes include lender placed insurance. We have had insurance without lapses for the entire period indicated by their quotes. We have provided them with proof of this on many occasions. They have not corrected it and are continuing on this foreclosure mission. They will not accept any payments from us unless it includes the insurance premiums.
Product: Mortgage

I called the company XXXX XXXX to inquire about payments on XXXX XXXX, and was told erroneously that I was current, because the employee misread some refund escrow check and took it for a payment. 
I am on autopay for my XXXX payments from my XXXX XXXX checking account to my XXXX XXXX  mortgage account Missed the XXXX XXXX payment, and that cancelled the autopayment against my will I did not realize it, so I missed XXXX more payments When I realized it I made the payment for the XXXX missed payments on XXXX, but my XXXX XXXX had already been affected. 

my account is now current
Product: Debt collection

My former apartment complex is claiming I owe two months of rent. I abide to my lease and move out on my move out date. I do now owe them I have paid the amount I do owe. Collections can not find proof that I owe two months rent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX bill is a very old bill from 2012, I do not see how it is still open. It is past the statue of limitations? 


They illegitimately reappear on your credit report if it's acquired by a debt buyer or collection agency that then reports the debt even though it's more than seven years old. This is past the statute of limitations, meaning it's too old to remain on your credit report.
Product: Mortgage

I closed on XX/XX/2019. 

1. Stearns/XXXX have determined that I have overpaid {$310.00}. They sent me a letter saying a check for {$310.00} was attached to the same letter, but I did not find a check in that envelop. 

2. Closing costs include payoff of 3 credit cards -- XXXX {$400.00}, XXXX XXXX XXXX {$32.00}, XXXX XXXX {$100.00}. As of today, the title company has neither paid these credit cards out of escrow, nor did I receive a check for the sum of these three amounts. The title company is in the same city as my mailing address. 

I contacted Stearns, XXXX, title company. No response from Stearns, XXXX. Title company initially told me to wait, and then stopped replying to my email. 

-- I am attaching two documents. 

Document 1 - shows a credit to me in the amount of {$310.00} but I still do not have this. 

Document 2 - on page 2 of the PDF, there are three lines listing the credit card payments that I have already deposited into escrow.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX reported a late payment to all XXXX credit bureaus even with my loan obligation being fully satisfied. My insurance company electronically transferred {$9600.00} to XXXX XXXX on XX/XX/23. I'm sharing the receipt of this here. Once I was informed by my insurance agent that payment was made in full, I canceled my last payment. Further, XXXX XXXX sent me a refund of XXXX payments after my account closed for the last week of XXXX and the first week of XXXX due to overpayment made on the account. 
Despite providing evidence, XXXX XXXX refuses to make the changes necessary on my credit report. As a result of this late payment, my credit score has now dropped XXXX points and I am unable to get financing on another vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX at XXXX XXXX Received email at XXXX confirming account Login for Montgomery Ward XXXX Email was sent by XXXX. Did not set-up an account. 

XX/XX/XXXX at XXXX XXXX Received email at XXXX confirming order # XXXX. Email was sent by XXXX. Did not place an order. 

XX/XX/XXXX at XXXX XXXX Received email at XXXX with a shipping notification for XXXX # XXXX. The email was sent from XXXX for an " XXXX XXXX '' Laptop ''. This shipping notification includes my former address at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I did not place this order, nor have I ever done business with Montgomery Ward. XXXX tracking # XXXX. 

XX/XX/XXXX at XXXX Received email at XXXX from XXXX Delivery XXXX ( XXXX ) confirming that my package from " SXXXX XXXX XXXX XXXXXXXX XXXX '' was delivered on XXXX  XX/XX/XXXX at XXXX MST to XXXX XXXX XXXX XXXX Unit # XXXX, XXXX, AZ XXXX XXXX A picture of the delivered package was included in this shipping confirmation. 

PDF copies of the emails referenced above are included as attachments. Should you require any additional documentation, please contact me. 

I am no longer at the XXXX XXXX XXXX XXXX address in XXXX and have lived out of state ( in Texas ) for over a year. I contacted the Leasing Office at XXXX XXXX XXXX XXXX XXXXXXXX this afternoon to see if they can reroute the package to my new address. 

I pulled an XXXX credit report this evening and confirmed that Montgomery Ward located at XXXX XXXX XXXX, XXXX, WI XXXX did a hard credit inquiry on XX/XX/XXXX. I have notified my current creditors and frozen my account on XXXX. I will be initiating a fraud/identity theft complaint with XXXX in the morning tomorrow when their office opens at XXXX XXXX.
Product: Vehicle loan or lease

I received a call from a representative by the name of XXXX at XXXX on XX/XX/2023. She was rude and I told her she was speaking to the debtor. When she wanted to verify more information I told her I was not going to voluntary provide any more information to use against me.all she did was repeat the questions. When I advised again I was not, she stated they had a return mail. I told her I was not going to provide anything. She yelled and stated " thats your problem ". When she realized she yelled she paused then repeatedly asks for more information. I disconnected the call after this. This was a clear sign of overt discrimination. This has happened before with XXXX loans. I filed a complaint and you guys did nothing. I don't want to hear it this time. It seems if I was a protected class of a type of person or culture. Something would be done in a heart beat. No questions asked. But let it be a normal human being and we don't get any help. It seems the only way to get any resolution it to blast it on social media these days.
Product: Mortgage

A mortgage loan has been reported to my credit history file for 2007, which was made by Washington Mutual Bank for an amount of XXXX. Need to verify the information with last two digits of social security information with the bank.
Product: Credit card or prepaid card

Dear Chase Management, This is a formal complaint against the Chase Fraud Department for failing to protect me against fraudulent charges by a family member with the following vendors : XXXX XXXX XXXX XXXX XXXX XXXX I reported to Chase that I had no control over that member and asked Chase to block my card ending in XXXX and to issue a new one. Chase didn't block my old card and the charges persisted from the old number ending in XXXX although the account had already a new number ending in XXXX, which I have not shared with anybody. I'm held accountable for the charges made after Chase let me down and didn't block my card and failed to protect me. 

I am a divorced single mother and my son lives between two households with father in XXXX, VA and with me in XXXX, MD. I authorized some charges in XXXX and XXXX for XXXX, XXXX, and XXXX, which I'm not disputing. I asked my son to stop charges after XX/XX/XXXX but he wouldn't so I called Chase asking for protection. None of the charges in XX/XX/XXXX are mine, nor have they been authorized by me and they all occurred because Chase made a mistake and failed to block the card. 

I have spoken with several Chase Fraud representatives and supervisors, XXXX XXXX XX/XX/XXXX ) and today with XXXX ( XX/XX/XXXX, and when I asked them why wasn't my card blocked, they become quiet and refuse to answer the question, or use avoidance techniques by saying something else. The fact they failed to block the card is the problem and I am asking for your assistance because I'm unable to assume these charges which are considerable for my budget. 

Please assist me in obtaining permanent credits for these charges and possibly reversing the ones made between XX/XX/XXXX and XX/XX/XXXX, which were not authorized either. Chase finally blocked the card yesterday and issued a new number yet, ending in XXXX. 

I'd really appreciate your help since I'm going through a financial hardship after a difficult divorce. Chase gave me temporary credits per attached statement however, today they said they will be putting the charges back on my account. 

I feel so betrayed and personally harassed having to spend hours on the phone and refused to be given an answer why didn't Chase block my card on XX/XX/XXXX when I called to inform them of the situation and asked for protection? 

Thank you for your understanding! 

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

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604A Section 2 : It also states a consumer can not furnish an account without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$19000.00} Status Account charged off. {$19000.00} written off. {$19000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3400.00} Status Account charged off. {$2500.00} written off. {$3400.00} past due as of XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$3900.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Collection account. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$650.00} Status Collection account. {$650.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. 

FCRA violations : payments never late XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$11000.00} Status Open. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

XXXX XXXX debt was added to my credit report. It was sold to a debt collector called USCB Corporation. The amount is {$950.00}. It states it was opened XX/XX/year> with the debt collector. I contacted XXXX XXXX and they were un able to do anything. I advised them of all my personal info and was advised to dispute this info with the debt collector USCB Corporation.
Product: Mortgage

I received paperwork in the mail stating that my mortgage company paid my " back '' taxes and currently enrolled me in escrow for XXXX with-out my knowledge. If they would of reached out to me first, I would of explained to them that i was already on a payment plan for the back taxes. Now my mortgage more than doubled and a half and I can't t pay that ridiculous amount every month. I explained this to them over the phone back in XXXX. I made my regular monthly mortgage payments with no problem for XXXX and XXXX I log in today to pay my mortgage and now the amount is double and a half of what i previously paid. When I called them today, they said they have no record of me calling in and speaking to someone regarding this. Now i am going to be late on my payment this month.
Product: Debt collection

Portfolio recovery has called me twice in XXXX days asking for XXXX XXXX. I am not him and I have had this phone number for over XXXX years. I was told my name would be removed from list but they still call. They buy junk loans for repayment. I have received calls from these phone numbers XXXX and XXXX. From XXXXXXXX XXXX I have also received calls to buy my house from the same area. Sadly I do not have those numbers. The calls have been a man and woman with XXXX accents. I am not a XXXX nor prejudice, just an identifiable trait. I am on the do not call list and for the most part it works fine, just get scammers sometimes. 
Thank you for all you do. 

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

I am filing a complaint against Experian. I have filed a dispute with Experian in regards to inaccuracies on my credit report. There is a hard inquiry for a company name XXXX - XX/XX/2018. I did not authorize this inquiry nor know what the company is. I have researched it and contacted them which they stated to dispute with the credit agency. I contacted Experian and they stated I would have to contact the company which I did and got the response tomdislute via the credit bureau. In addition there is a bankruptcy on my credit report that I disputed and Experian states they verified it with the US Bankruptcy court. Which is a lie because I contacted the court and they stated they did not verify bankruptcy. I requested this in writing from the court and sent to Experian. In addition, I have provided proof that my XXXX  student loan was in deferment during the month of XX/XX/2018. However, they are showing 90 day late payment for XX/XX/2018 but on time payment for XX/XX/2018. That is conflicting, if my payment was 90 days late in XXXX why is XXXX showing good standing. My student loan was in deferment From XX/XX/2018 - XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX  NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX Balance : {$280.00} ; XXXX XXXX Balance : {$180.00} ; XXXX  XXXX Balance : {$630.00} ; XXXX  XXXX Balance : {$930.00} ; XXXX XXXX Balance : {$890.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$610.00} ; XXXX  XXXX Balance : {$190.00} ; XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

Bank of America have reported fraudulent activity on an account that I didn't open. I am being penalized for an account that I didn't open. My name is XXXX XXXX and the last four digits of my ssn is XXXX. There are other fraudulent accounts on my XXXX report that I want to be handled and dealt with accordingly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/year> Experian, XXXX XXXX XXXX, XXXX XXXX TX XXXX Subject : Request for Removal of Unauthorized I identity theft Late Payment Account Dear Experian I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several open accounts that I did not authorize, and these are negatively impacting my credit score. 

The unauthorized Identity theft late payment account are as follows : Please Remove Fraudulent Account immediately : CXXXX XXXX XXXX OPEN DATE : XX/XX/year> Account Number XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), ' have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and a copy of my credit report with the inquiries highlighted. 

I have a FTC REPORT Submitted to the CFPB Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate a confirmation once the removal is completed or any further steps I need to take to resolve this matter. 
Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I have been dealing with evil hackers. Who has forced me to close 7 accounts? I opened this account with XXXX  about a week or so ago. Called into social security for my check to be deposited. On Wednesday the XXXX at XXXX  it was deposited. I got up and looked in my account and the hackers had already taken {$700.00} I started investigating where these people got into it. I tried closing things but it wouldn't let me. So I closed my debit card ordered a new one. Thought that would stop it but no on Thursday they did the same thing and Friday today. I have {$66.00} in my account. So I called XXXX  and reported a dispute I also told them I was reporting it to social security and with you.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : My payment for XX/XX/XXXX was made on time, as demonstrated by my bank statements and payment confirmations, which clearly indicate that the payment was processed well before the due date. This payment should not have been marked as late.

Clerical Error at Creditor 's End : There was a clerical mistake by XXXX, where they incorrectly applied my payment to the wrong account, leading to the appearance of a late payment. I immediately contacted the lender once I discovered the error, and they acknowledged the mistake. I have attached correspondence from XXXX 's customer service confirming that this was a mistake on their end.

Technical Issues on the Payment Processing Portal : I encountered issues with XXXX online payment portal, which delayed the posting of my payment. Despite my efforts to make the payment on time, the technical issue led to the payment being recorded late. I have attached support tickets and communication with the banks technical support team showing the payment portals malfunction during the relevant period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Lakeview Servicing, in association with XXXX & XXXX bank failed to protect my personal information, including XXXX. They had a data breach in XXXX XXXX to their file servers. This was not reported to me until XX/XX/XXXX.
Product: Credit card

My account was through Synchrony- a credit card company where you can buy items from XXXX XXXX XXXX XXXX XXXX, XXXX, etc to earn points for coupons in their store. It was their XXXX XXXX card. I went to pay my bill in full before the due date. I got an email immediately after saying it would take XXXX days to process. A week later I get an email saying the payment did not go through. When I went back to look at the account, I have XXXX checking accounts on file- an old one that is no longer active and my current one. I have no way to delete the old XXXX from my account. They used the old one to make the payment. They are both labeled the same " XXXX XXXX Checking '' however the last XXXX numbers are different. I re did the payment as soon as I saw the error and the payment went through. They charged me a XXXX late fee. I contact the company and they refused to waive the fee just saying " they could not. '' I have had threat card for XXXX years if not longer. I asked them to close my account given this practice and clearly a desperate need to make a few bucks off a loyal credit card consumers who pays their bill in full. It seems like these credit card companies are not charging consumers any chance they can get, especially those who are responsible and debt free consumers.