23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our closing was XX/XX/XXXX. On or around XX/XX/XXXX they requested closing disclosure which is one of the first documents they should have had. I called to ask why they were still requesting documents a week from closing and if we were closing in time. I was told I would get the clear to close by Thursday XX/XX/XXXX. On Thursday I called and was told the original mlo was on vacation and they didnt have the appraisal because the closing disclosure wasnt sent and the appraiser was on vacation. Then after getting the appraisal at the last minute it mentioned some cracks in the foundation. We had already had an engineer inspect it but didnt have a written report. Ally requested a written report which took another day and second report. In that time we had already sold our current house and had to come to a rental agreement with the seller. There was no guarantee the seller would do this but was kind enough to.
Product: Mortgage

I made my mortgage payments to LoanDepot for years without issue. This year they created a new company with a similar name to process payments. I paid by check monthly. Since this new LoanDepot LLC payment processing firm has gone live, they tell me that my payment arrived late, even though I sent it XXXX weeks before the deadline. 
The former payments were sent to NJ. Now they are sent to TX. How is it that the location is closer to my California home but takes longer to get there? The company is lying, falsely claiming my payment is late when they are secretly holding it and processing it late, charging me late fees and jeopardizing my credit. 
For the XX/XX/ payment, I received the bill on XX/XX/XXXX. In XX/XX/, I sent my payment on XX/XX/XXXX and LoanDepot claimed it was late. So with the XXXX payment, I would not be able to pay my mortgage on time because of their lies and setting me up to fail. Their customer service staff are ignorant of what is going on and claim they have no such practices. However, LoanDepot will not let me talk to a service representative who helped me once before. 
None of this was a problem until their new payment processing company took over.
Product: Credit card or prepaid card

My care care account was closed XX/XX/XXXX for what the company called possible fraudulent use. I called synchrony XX/XX/XXXX because I had a notice saying I had a hold. They said it was because I changed my address, which was true. I verified my address and she told me the hold was lifted and I have no restrictions. I tried to use it today ( XX/XX/XXXX ) and was told it was closed. I called and was told there was suspected fraud and the entier account with a XXXX limit was closed. My account had not had any activity since XX/XX/2020 when I had made a payment of XXXX bringing it to a XXXX balance. No one attempted to use it and the company can not supply me with what the suspected activity was.. they told me " we can not discuss it any further with you '' This has adversely affected my credit score, causing me to lose several points due to the account closure. The company did not try to contact me and simply closed the account. There was no activity since XX/XX/2020. The only activity was when I changed the mailing address, which I did by calling in. I also have 2 other accounts with synchrony and they have not been closed to my knowledge. I changed the address on those as well.. all to the same mailing address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Resurgent is reporting a collection account as currently past due and refuses to talk to me about the account and will not allow me to pay the account off. This is a clear violation of the FCRA.
Product: Credit card

Citi bank got money back from wrong company they sent it toXXXX  they need to send to right company and get it paid off being going on since XXXX. Please pay off XXXX XXXX and then we will be done
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy incorrect showing on my consumer report with Equifax. I have called the court listed on the report, and they are not able to verify this information. On XX/XX/2019 I sent a dispute with them. They sent me a response dated XX/XX/2019 that says they found the information through XXXX. This is invalid data, because I placed a security freeze on my XXXX file on XX/XX/2019.
Product: Credit reporting

XXXX XXXX - Account XXXX .... 

This account in incomplete and incorrect. 

Was opened in XXXX and closed in XXXX Has an Inaccurate Pay status, it should be Paid/Closed XXXX Balance Is missing its balance history for the duration of the time the account had been open Is missing Payment Data for the duration of the time the account had been open Has erroneous comments added - to this and almost all of my accounts.
Product: Credit card or prepaid card

I had a venture credit card with capital one. I had lost the card and requested a new card. After few days, a screen popped up on capital one mobile app asking if I would like to upgrade my card from venture to quicksilver. Comparison showed that currently I am getting XXXX reward for every dollar and with new card I will be getting XXXX. Rest of the terms are same. Who will not upgrade it? I accepted it, but after conversion I see that all my miles have been converted to dollar. Miles had more values. I called capital one back that your comparison did not mention that miles will be converted to Dollars. They said that I can not go back and ended up taking dollars than miles. This is clearly a fraud for having customers take the cash back than dollars which has more value. I was upset and ended up closing the account with them.
Product: Debt collection

Got called by XXXX and said I could settle or get served in a very harassing matter. Over talked me when asking questions eventually just stated, fine well just get you. Hung up Today received a call from exude that they wanted me and I was going to get served etc. harassed her as well. 

I requested a gag order for them to stop
Product: Credit reporting

After XXXX letters mailed to Transunion via certified mail they have not corrected the information that is being reported. Transunion has had well over 90 days and several letters containing correct information and they have not done any investigating or reinvestigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously spent time and money writing to Experian and the other bureaus regarding a XXXX account that was listing incorrect information on my credit report. I had insurance on this lease car ... In NY you cant have a new car without full coverage. I had an accident and this car was totaled and covered by the insurance company ( attached ) .. I noticed my credit report was reflecting this XXXX account incorrectly and I addressed both XXXX and the bureaus regarding this incorrect account. After several months and several written requests, XXXX AND Experian responded this account is listed 100 % accurate, complete, and verifiable as per FCRA law. Today, several months later, XXXX changes their reporting and send different data to the bureaus. Either they never performed the original investigation, OR they are in violation of 1681i of the FCRA and both XXXX And the credit bureaus are liable in court. I am filing a complaint with my state attorney general and XXXX regarding this issue. If this isnt DELETED in 15 days, I will pursue my legal rights and finalize my FCRA attorney retainer agreement. I have all my written correspondence and the bureaus correspondence.
Product: Credit reporting or other personal consumer reports

This compliant is about XXXX and Transunion unwillingness to respond or follow suit to prevent a lawsuit. In XX/XX/, I sued XXXX for the removal of 23 identity theft accounts. These same accounts appear on XXXX and Transunion. In XX/XX/, I won my case against XXXX, proving their negligence in reporting these ID theft account after my numerous attempts for years to get them removed. I have also made these same exact attempts with both XXXX and Transunion. The settlement required XXXX pay my attorney fees and a significant penalty for the reporting of these accounts, however most importantly the settlement required the removal of the 23 accounts. I sent a certified letters to both XXXX and Transunion, XX/XX/XXXX  asking for them to follow suit and the removal of these accounts since it has already been proven in a court of law that these accounts are indeed ID theft, but I have received no response from either credit bureau. I am asking that both XXXX  and Transunion, take into consideration the settlement against XXXX  and remove all 23 accounts and associated inquires, or I will be forced to seek legal action against both credit bureaus.
Product: Debt collection

I've already provided proof to remove these accounts successfully with other credit bureaus, yet they still appear on your report, harming my credit. It's confusing and unacceptable that your bureau continues reporting these accounts, violating my rights under the Fair Credit Reporting Act and affecting my financial stability. XXXX XXXX XXXXXXXX and XXXX ( Original Creditor : XXXX XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX COMPANY DID INQUIRE WITHOUT MY AUTHORIZATION. 
I DON'T RECOGNIZE THIS INQUIRE
Product: Credit card or prepaid card

I have had a credit card with Capital One since 2001.
Payments have always been made on time and in full for past 16 years. 
Applied for another credit card on line to take advantage of a promotional offer. 
Application was denied even though my credit score is in the high XXXX 's. 
Also credit rating is XXXX. 
Ask bank for re-evaluate application about three weeks ago. 
Have not received a response regarding re-application. 
Called bank, refused to account for their denial.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, and I want to clarify that this complaint is not made mistakenly, nor is it being filed on behalf of another party. I affirm under penalty of perjury that I am asserting that an individual or entity, without my consent, utilized my social security number and personal information to apply for various goods, services, or financial transactions. Unfortunately, they were successful in establishing certain accounts using my identity. I have no prior knowledge of these actions, and the matter is currently under investigation by the Federal Trade Commission ( FTC ). According to Under 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports, I never provided written authorization for any information to be included in my consumer reports. Lack of consent constitutes fraud in this context.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Bankruptcy Reference # XXXX Date .Inquiries : XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX, all show a bankruptcy on my credit report. This information was obtained by a 3rd party. The bankruptcy court verified with me that they do not report to the credit bureaus. This information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  opened up account FRAUDULENTLY IN MY NAME. XXXX XXXX XXXX needs to REMOVE ALL inquiries and balance FROM ALL THREE credit reports : XXXX, EQUIFAX and XXXX.
Product: Checking or savings account

I filed a dispute in XXXX and again in XXXX. They did nothing. 

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. My account was accessed fraudulently and I made them aware when I knew and they still allowed fraudulent charges to post.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602, states i have the right to privacy. 15 USC 1681 Section 604A Section 2, it also states a Consumer Reporting Agency can not furnish an account without my written instruction. Under 15 USC 166B, A creditor may not treat a payment on a credit card account under and open consumer and credit plan as late for any purpose.
Product: Checking or savings account

I am writing to formally lodge a complaint regarding the repeated overdraft fees that have been charged to both of my chase checking accounts over the past year, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX The total amount of these fees is {$3300.00}. These fees have been applied twice each time my accounts were overdrawn, which I believe is both excessive and unjustified. 

I have attempted numerous times to turn off Overdraft Protection, but I have never succeeded. This has resulted in repeated and unwarranted charges to my accounts.
Product: Credit reporting or other personal consumer reports

My account with XXXX  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 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 that are reported 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. 


XXXX  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: Credit card

I have a late report of XXXX days in XXXX of XXXX. I know this was around XXXX and I probably called for help and they denied I dont remember. I do know that since then my payments have been more than the minimum and on time. I called today to ask them as a courtesy because I am trying to buy a house can they remove the XXXX day late report from XX/XX/year>. They said I had to write in.
Product: Mortgage

Since XX/XX/XXXX I have been attempting to make my account current and applying the funds under the correct category. There have been many letters sent, complaints made, and complaints uploaded to your site, CFPB. There has been no resolution as of today, XX/XX/XXXX and yesterday I received a inaccurate and offensive letter from XXXX XXXX. Today I have typed up a letter to send to him in regards to this letter, but I also decided to provide you all the information again pertaining to my issues with them over the past year as well as sharing his letter and my response. Over the past few months I have been paying off my debts and clearing up some outstanding financial issues. I have been extremely successful except for my mortgage, who had been unwilling to help. You will see in one of my attachments I am current on 4 out of 5 accounts. That to me shows a big red flag on this company and their reporting of my payments. I have sent many complaints to you and I see others have made complaints to you in reference to this company. I am not sure how you eventually get to a place where this company is investigated but I would highly suggest you begin an investigation before others suffer at there hands.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 EXP XXXX  XXXX XXXX  XX/XX/2023 EXP 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX, XXXX, and XXXX has continued to falsely report an unknown account from Midland Credit Management as being my account but this IS NOT MY ACCOUNT. After several attempts to secure verification from ALL PARTIES ( Midland Credit mgmt, and ALL 3 CREDIT Reporting Agencies ) I have NOT received any response nor have I received any Original Agreement containing my signatures as proof that this account is valid. This inaccurate and false reporting has caused great damage to my credit profile as well as major personal and professional issues as I have been unable to secure employment and residence due to this reporting violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Company Name - Credence @ XXXX XXXX XXXX XXXX for XXXX Credence Reference ID - XXXX I disconnected service from  XXXX on XX/XX/2019 and returned the equipment. Customer service told me to continue using service already disconnected since XXXX 's policy does not prorate bills. XXXX insist I should pay for a full billing cycle even I used service for about a week and I was not on a contract. 
I feel like I'm being defrauded by XXXX, I was never informed of the policy to cancel service at the end of the billing cycle or to obtain permission to switch providers when I had no contract.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Fraudulent Account Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) I am writing to formally request the blocking and deletion of a fraudulent account from my credit report. As a victim of a data breach, my personal information has been used without my authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that the following account be immediately blocked and removed : Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have my account set up on auto draft, and they have been taking my payment out every month, but for some reason auto pay was taking off in the system and it cause it to be 30 days late and i wasn't notified at all whats so ever. Which caused my credit score to drop 50 points, causeing me to be in a real financial bind. I'm in a process of starting a business, but because of that one late payment its going to be rough. I've made 9 on time payments with this company
Product: Debt collection

Notice to Cease and Desist To Whom it May Concern, This is in reference to the Consumer Report sent to me dated XX/XX/2023. While checking the above report, it came to my notice that your Company ( XXXX XXXX XXXX ) has furnished ( 1 ) account on my report, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, amount listed {$560.00}. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any XXXX XXXX XXXX. 
Any further contact by your Agent or Company ( LTD Acquistions LLC ), except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you.