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

My account with XXXX XXXX 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 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. 


XXXX XXXX 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 Bank of America Credit card which was compromised. I contacted Bank of America on or around XX/XX/2016 and informed them of all the unauthorized transactions. Bank of America has acknowledged these disputes however refuse to deduct the amount in dispute from my balance as required by Federal policy. Further, Bank of America has reported this inaccurate balance to XXXX, XXXX and XXXX, again in violation of Federal Policy. I have disputed this balance with the XXXX bureau mentioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting deleted information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX XXXX XXXX SS XXXX Balance : {$2400.00}
Product: Debt collection

XXXX XXXX XXXX has reported an account in collection to all 3 credit bureaus.They did not provide account number, dates, or any identifying information. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license  numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report with Equifax has not been updated since XX/XX/2018. This has caused me to be unable to apply for loans and have been unable to receive a decrease in insurance premiums. I have submitted my concerns to Equifax on numerous occasions ; the being in XX/XX/XXXX. They have only replied to me that I ha e multiple credit files that they are unable to merge. They further stated, in writing, they can not merge them due to the amount of data in each file. 
I have attached to this complaint my documentation to support my efforts to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unable to get my indentity verified by Lexis Nexis because they are reporting a old phone number for me that I no longer have. I tried to update my information directly with them and was told that I cant, but per the F C R A. I have the legal right to update incorrect information about me. How can I be told I cant update my own information about ME that is incorrect? that makes no sense. I just need my correct phone
Product: Student loan

In XX/XX/XXXX I consolidated all my student loans with the Department of Education including loans with XXXX  XXXX/XXXX XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX stating that, " Your obligation to repay the loan ( s ) satisfied. '' It further states, " Any inquires concerning consolidation loan ( s ) should be directed to the US Department of Education. '' Nine month later in XX/XX/XXXX, I started to receive bills again from XXXX XXXX. I have spent the last 10 trying to figure out what has happened. My account bounces from collection agency to collection agency and I try to explain what has happened and show them the paper work saying my loans were consolidated. They either ignore the evidence or they disappear and a few months later I get another letter from a different collection agency. I have filled out appeal after appeal and they have all been ignored. My tax return has been taken for approximately the last eight years. Again, I file appeals and they get ignored. Recently, I received two different letters from two different collection agencies dated XX/XX/XXXX and XX/XX/XXXX, both trying to collect this loan. Even if I did owe the money, at this point, I would n't even know who to deal with when multiple companies are trying to collect. I am a single mother and a XXXX. My income is very low and I ca n't afford to hire a lawyer and do n't know where to go to file a complaint or get answers. All the collection agencies that I have dealt with do n't care about what I have to say regarding any consolidation. They just know what they got from XXXX XXXX/XXXX XXXX and just want to collect. If I try to contact XXXX XXXX/XXXX XXXX they wo n't talk to me about it. They always refer me to the collection agencies. I am at loss as to what to do. I still have my loan with the Department of Education and it is currently in good standing and in a forbearance. I do n't know who to turn to and I 'm tired of being threatened with wage garnishments. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX since XXXX as it does show mortgage reporting on my credit report for the last 5 years. After several attempts via phone received letter beginning of this year but nothing has been resolved. Applied with a loan modification with them and got declined as Experian does not show a credit score. Definitely this action of not reporting my mortgage that is current is even affecting my ability to obtain a mortgage loan with them. 
I contacted CFPB on XX/XX/XXXX on this matter putting a complaint with you and received a letter from XXXX XXXX that they will be responding by XX/XX/XXXX but still nothing has been resolved in them reporting my mortgage account with them on my 3 credit bureaus.
Product: Checking or savings account

Hello, my name is XXXX XXXX. 
I have tried to contact Citibank after they suspect there was a fraudulent activity online. 
They blocked online access many months ago. I went into a branch to sort things out but even then employees could not help me. 

I tried calling them and get access granted again. However, they won't solve my issues at all. I have spent so much time on the phone to verify my identity to get access. They said they will send me a reference letter but I haven't gotten it for weeks. My phone number on the file is an international phone number, which they can not verify it. And they won't accept my second phone because it's not on file. I want to access my account.
Product: Checking or savings account

i have further been unable to get my money from merrill, i did a mobile deposit of XXXX into my account on XX/XX/2023, the check came on my middle name and last name ( XXXX XXXX ) so i signed the back with my full name XXXX XXXX XXXX, the money was paid but My account was closed as far back as XX/XX/2023, when i called for my money i was told told my check has been processed and i will get it in 7-10 days, so i waited till XX/XX/2023, i have to travel on XX/XX/2023 so i was trying to get my money my check did not come in the mail so i called Merrill and i was told by a manager that my check wasn't mailed that they sent my money back to the bank where it came from, since i didn't do anything fraudulent i pulled a call through to my bank at the other financial institution and they told me Merrill never sent them my money, that they've paid my money to merrill since XX/XX/2023, merrill cashed my check since XX/XX/2023, why is my money still with them? also after closing an account the rule states you mail a check to the last address on file, i have waited long enough and now i have my business to attend to .i have attached evidence of call to merrill XXXX and to the other financial institution and also attached the prove that my check was paid to merrill XXXX along side a copy of the legitimate check deposited into my merrill account. I NEVER DID ANYTHING FRAUDULENT. why did merrill had to lie to me that they sent my check out on XX/XX/2023? why did they have to lie when i call on XX/XX/2023 that they sent my money back to the bank it came from? why are they holding my money after closing my account? why did they violate the regulation E by holding my mobile deposit for over 30 days after getting paid for a legit check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called my finance company to ask about deferment/ extension for My loan for the month of XXXX. They approved me for the deferment. I made the payment amount they told me by the date they told me but they still reported it late to the credit bureau.
Product: Credit reporting

This account was closed on XXXX/XXXX/2015 with a zero balance and still showing on my credit report with Equifax open and also show XXXX accounts for this company. XXXX closed and XXXX open.
Product: Student loan

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft NAVY FCU XXXX Balance Owed : {$0.00} NAVY FCU XXXX Balance Owed : {$0.00} NAVY FCU XXXX Balance Owed : {$0.00} NAVY FCU XXXX Balance Owed : {$0.00} NAVY FCU XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions Experian consistently responds within 24 hours stating the account is accurate without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFBPs recent administrative proceeding ( XXXX XXXX. XXXX XXXX ) against them for similar violations. I request that the CFBP take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I have marked as inaccurate 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
Product: Mortgage

Dear CFPB : My client  XXXX   XXXX  has been trying to modify his home for  XXXX  years. Accumulation during that time is in excess of {$100000.00} in payments during this ; Prior to   XXXX   numerous issues plagued his ability to get modify including judgments against his home and his inability to deposit his income for fear that the judgment creditors would seize his bank accounts. In an effort to resolve this matter. The client filed for bankruptcy, made a motion to relieve the home from judgment creditors both which were granted. In addition he has saved {$30000.00} to put towards any arrears and submitted the modification again . Wells Fargo  has refused to process this modification stating that there is no change in circumstance ; I believe discharge in bankruptcy, showing all income via bank deposits and a contribution of {$30000.00} is more than a change of circumstance.
Product: Debt collection

To whom it may concern, On a recent review of my credit report, I discovered your company, AD Astra Recovery Services is reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. If youre unable to validate the account, then you are to remove the collection account from all of my credit reports. 

Your failure to act will result in this matter being referred to the Federal Trade Commission, the Attorney Generals office and the XXXX  XXXX XXXX.
Product: Mortgage

My mortgage payment went from XXXX to XXXX as of XX/XX/2019. I applied for a loan modification and my mortgage company denied me and said the payment is affordable. which it is not. All I am asking is for them to extend my loan into a 30 year so my payment is affordable. 

I am going through a divorce, and just got into a car accident which is actually costing me additional money. I filed a compliant with CFPB and it was denied again. I need help on the mortgage and i feel like the only way to get it is to go into foreclosure and i do not want to lose my home. 

I have updated my expenses with more accurate information. Please review Grocerys XXXX utilities XXXX Car insurance XXXX  daycare XXXX gas for car XXXX home maintenance XXXX alarm XXXX cable XXXX cell phone XXXX credit card and car payments child support XXXX a month. 
IRS repayment plan XXXX a month.
Product: Debt collection

I had just receive this bill in the mail today. I've no ideal about this bill ... Original Creditor XXXX XXXX The owner of the account Pinnacle Credit Services , LLC Reference ID XXXX Amount {$730.00}
Product: Debt collection

I had a XXXX account in XXXX, XXXX and 3 months of XXXX. It included XXXX XXXX XXXX home phone XXXX XXXX XXXX XXXX High Speed Internet and XXXX XXXX XXXX XXXX XXXX on XXXX bill. My bill was about {$150.00} on average per month. My wife took care of the bills. In XXXX of XXXX I looked at my XXXX XXXX XXXX monthly billing statement that was on the coffee table. I about blew a gasket, the bill was over {$400.00} for the month of XX/XX/XXXX. Under Billing Summary there was a new service included, XXXX XXXX XXXX Wireless. My daughter and her boyfriend XXXX XXXX ordered XXXX XXXX XXXX wireless and somehow added it to my XXXX XXXX XXXX account without my knowledge or permission. I called XXXX XXXX XXXX and asked who authorized the wireless service on my XXXX XXXX XXXX account? They said XXXX XXXX did. I said no I did n't, besides that 's not my name. I 've never used XXXX XXXX for anything I 've ever subscribed to or signed up for. I cancelled my complete account. XXXX XXXX XXXX home phone, XXXX XXXX XXXX high speed internet, XXXX XXXX XXXX XXXX and of course XXXX XXXX XXXX wireless. It was shut off on XXXX XXXX, XXXX. I have a Final Bill that shows under Billing Summary everything was shut off except XXXX XXXX XXXX XXXX, that they charged me an extra month for {$40.00} even though I cancelled it with the other services. I paid my final bill and that was that. WRONG! I did n't receive anymore bills, but the wireless service continued without my permission or knowledge. The service statements changed to XXXX XXXX XXXX Mobility, different color bill statements, billing address was different, account number was n't my account number from the XXXX XXXX XXXX service I had. XXXX XXXX was the name they used on this new account even though I freaked out at them for it being on my previous XXXX XXXX XXXX account that I paid and closed. So this new wireless account used XXXX XXXX ( I 've never used ) had a different billing address and a different billing company and a different account number. XXXX last thing, on the final bill for this unauthorized collection account there after me for they changed the billing address back to my address on the XXXX XXXX XXXX account I had previously closed. So they changed the billing address on the very last bill statement to my address. Is n't that illegal? I think so, I know it 's not right.
Product: Credit card

I provided my ex with an authorized user card on my XXXX account in XXXX. In XXXX we separated, I moved home across the country contacted XXXX to cancel the authorized user card. XXXX agreed. In the spring of XXXX I was contacted by XXXX stating the account had been maxed out and delinquent. I agreed to settle and pay the balance in return for the card being closed and settled in full i payed XXXX XXXX XXXX Fast Forward to XXXX XXXX sued me was granted a judgement for the full balance and are now garnishing my wages for XXXX XXXX This is not only dishonest but appears to be interest and fees way above usery. On a card with a XXXX limit my credit report now reports a XXXX charge off, per the local court house where filed the balance due is now XXXX $ yet a garnishment of XXXX $ has been levied against my pay check causing 25 % of my after tax earnings to be stolen from me. The law firm that filed the suit is Midland funding. They refuse to answer the phone, return calls and the one time they have refused to discuss how the balance exists and has reached such a high dollar amount. On top of being unethical, and immoral is causing finacial hardship. I am able to settle but due to the first time this was paid and still now being sued am not sure that makes sense again. In addition the usury amount of the balance is concerning and seems unlawful. This non valid garnishment is negatively affecting my ability to pay living expenses and college expenses for my child. This is unfair, unjust and dishonest. Despite my effort to contact legal assistance i continue to hear this is not an isolated occurrence and that their is little of no legal recourse for a Citizen. Can you help? This seems like an UN community type thing to do to a county taxpayer especially a civil servant. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied an extension of credit through XXXX XXXX XXXX  on XX/XX/2021 due to Experian furnishing inaccurate information on my report that was later deleted. the inquiry that XXXX mentioned in their letter of denial was because of a company called XXXX which you will see in the documents uploaded. Also after reviewing my most recent credit report that was sent out to me, I discovered even more inaccuracies not to mention i noticed XXXX XXXX showed up a few times and i never reached out to them for any credit purposes, so why are they accessing my information? Everything that was deleted ranged from names, addresses, phone numbers and hard and soft inquiries. 

This made me feel cheated because these companies are supposed to make sure we dont experience these things and then this happens. I suffered so much as a result of this from being denied credit making it seem like I have a bad reputation and not responsible. This caused me sooooooo much XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX amongst other things when i learned what Experian has willfully allowed to be put on my report despite the fact that it didn't even belong to me and was later removed after reaching and speaking to both of these companies. 

No one should ever have to suffer the way I did being a consumer and natural person, how am i supposed to trust these companies after this? I also want to point out these agencies giving miscellaneous companies access to my personal consumer report with out my express and written consent. Not only did they gain access illegally there wasn't even a permissible purpose for the access as these agencies always tend to point out when speaking with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account # XXXX, Has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.