23daVinci/CFPB_Complaints huggingface dataset:
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 Equifax 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 : I submitted a dispute to Equifax XXXX 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 was made within the XXXX grace period : My payment for XX/XX/XXXX was made on time, which falls within XXXX 's XXXX 15-day grace period. Therefore, the account should not have been reported as 30 days late. 
Clerical error by XXXX : Upon reviewing my account, I identified that my payment, which was made on time, was incorrectly marked as late due to an internal clerical error by XXXX. This error led to an inaccurate XXXX late payment report. 
Evidence provided : I have attached bank statements and payment confirmations showing that the payment was made on time. This documentation demonstrates that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax 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: Credit card or prepaid card

this company closed my account stating that i abused the account due to making payments but also reporting late when this account is close.
Product: Credit reporting or other personal consumer reports

I RECEIVED COPY OF MY CREDIT REPORT AND FOUND THOSE NEW FRAUD INQUIRIES JUST POP UP ON MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Waypoint Resource Group is showing as a " collection debt '' on my credit report, with the original creditor listed as " 11 XXXX XXXX ''. I have never held an account with XXXX XXXX. I disputed the reported collection debt, however for some reason it has been investigated and reported still as a valid debt. There is no contact information or account number to call and inquire about supposed debt.
Product: Credit card

I was purchasing a flight on XXXX XXXX. I almost completed the transaction and, at the last moment, was offered an XXXX XXXX credit card. This is issued through Bank of America. 

There was a lot of advertising material promoting the benefits of the card and there were documents of small print stating with legal significance what would happen with the card. 

But, there was nothing about whether use of this XXXX XXXX credit card would or would not waive the credit card processing fee usually charged by XXXX. Usually, XXXX does not charge for using a debit card, but they charge over {$7.00} for using a credit card. 

It would have made sense for XXXX XXXX to include waiver of the processing fee in structuring this deal with Bank of America because XXXX customers both promote and build goodwill for the airline when prospective credit card applicants see the customer using the XXXX credit card AND I assume XXXX is deriving a new income stream from this arrangement with Bank of America. In other words, XXXX is most likely " double dipping '' by getting paid by Bank of America and also requiring their own customers to pay them to process the company 's own card. I do n't know this as a fact - but it is a safe assumption. I do n't have the investigative resources of the federal government and I was not able to read the fine print on my computer screen ( and my printer was not working ). 

I figured that this card would get an exception from the credit card processing fee, since it is the company 's own card. 

I applied, was issued a card and clicked on a button to use it for this transaction. 

Was I surprised! Instead of two radio buttons for ( 1 ) credit card use with a fee and ( 2 ) debit card use without a fee, there was now ( 3 ) a third radio button for using the card that was just issued to me. That was convenient! Apparently, the XXXX XXXX website has been updated to use the information about the new credit card from Bank of America. 

I almost went ahead and used my new card when I saw that XXXX was going to charge me the credit card fee for processing their own credit card! 

I find it strange that they would charge a fee to use their own card. 

I find it deceptive that they did not say anything about this as part of their flashy advertising material promoting the card. 

If I had this reasonable expectation, I am sure many other travelers do to. 

Furthermore, I would imagine that the issuance of the credit card means that Bank of America " dinged '' my credit report. That was not necessary - I would not have applied for the card if I knew this was going to happen. 

Also, if they did " ding '' my credit report, it was not necessary because they already have underwriting information on me - I am a Bank of America customer and received preferential treatment in applying for the card. By logging into my Bank of America online account from the XXXX XXXX website, the credit card application was automatically populated with some of my information. Bank of America already knew who I am.
Product: Checking or savings account

I picked up a prepaid rental car from XXXX XXXX XXXX on XX/XX/2023, in XXXX, South Carolina. At the time of pick up, I upgraded my car choice and agreed to the increased total amount of {$100.00} and was told that XXXX would put a {$250.00} hold on my debit card. I dropped off the car on XXXX XXXX in XXXX XXXX South Carolina . I was told by the XXXX customer service agent that the {$250.00} hold could remain on the account for 3 business days after dropping off. I was charged the {$100.00} rental fee for my upgrade on XX/XX/2023. I contacted XXXX Billing on XX/XX/2023, to inquire about the {$250.00} still being held. They said it would be released no later than Tuesday, XX/XX/XXXX. I contacted my banking institution and asked if they could remove the hold. The agent said if XXXX called them directly then maybe they could work something out. On Wednesday, XX/XX/2023, I saw that the hold was still in place. I went to my bank ( Key Bank ) and the branch manager filed a dispute and then told me there was nothing else to do unless XXXX calls them directly. I contacted XXXX again and was told by a billing agent that they can not make outgoing calls. I provided him a fax number and am now still waiting for my funds to be released. Today is XX/XX/2023 and XXXX has been holding these funds for 13 days. If Key Bank is capable of releasing the hold then why can't they just release it? This is my money and my banking institution should be protecting me.
Product: Debt collection

daily reporting to XXXX that I owe a debt they were told was an error after they were told this debt does not belong to me they still are reporting to XXXX  that I owe the debt and have caused my credit score to drop significantly rude nasty employees who do not do their job they are paid to do
Product: Checking or savings account

On XX/XX/ I went to my local Bank of America Financial Center to have my new legal name reflected on my checking account, debit card, and credit card. 

On XXXX I received my new credit card with my legal last name. 

On XX/XX/ I received my new debit card in the mail but the name on it was my maiden name, not my new last name. I emailed the representative and he immediately called me to make another appointment. I then met my representative on XXXX to fix this error. 

On XXXX  I received a second credit card instead of the debit card. I immediately emailed the representative I've been in contact with, but I haven't had a response yet. 

It's been two weeks since I this started & I'm still struggling to have my name fully changed.
Product: Debt collection

On XX/XX/year> XXXX XXXX XXXX filed a collections suit for a debt it bought from XXXX/Upstart. The binding legal Note indicates parties are bound by all terms of the agreement. The agreement indicates all parties agree to arbitration outside of court in the case of any situation that may arise. The Note clearly states the arbitration company for settlement. The Note states mandatory arbitration unless something is found wrong with the law. The Note indicates mandatory arbitration even if it's third party collections. XXXX XXXX XXXX XXXX has disregarded the binding legal contract and filed a lawsuit.
Product: Checking or savings account

This is simple. I opened both a checking and saving account on or about XX/XX/2019 with this firm. There was no place that said there would be a service charge monthly maintenance fee of {$15.00}. 

If this was clearly disclose, I would not have opened such an account. 

It really XXXX me off, they charged {$15.00} for a {$50.00} balance on this saving account ending in XXXX on XX/XX/2019. 

Therefor, I want this account closed as I transferred the remaining little balance to my checking account. Since I have SSA XXXX payments being made to BBVA and can't change that for several months, I had to wait to that ends then I want to close everything with this bank. 

It's totally internet based and being on XXXX it's outrageous they are charging me {$15.00} a month for XXXX service and fees. 

Again, if I knew of these, I would look elsewhere, which I have done.
Product: Vehicle loan or lease

Paid the last payment in my booklet they did not send the last payoff payment to me until after 30 days of the term now its on my credit as missed payment after my 72 month never missed payment
Product: Checking or savings account

Us bank I opened an account with. Closed it after taking my initial XXXX XXXX deposit a week later and said it bounced after I had XXXX dollars weekly deposit payroll. It had taken over XXXX  days and had not received my debit card so I used XXXX to transfer funds into the account to pay bills too many times in a week after calling about the debit card. They said closing the account and speak to a branch manager. They held XXXX XXXX in funds and a XXXX deposit and XXXX paycheck when they told me nothing could go in or out. Now my bills will be returned I will be charged : XXXX lady was kind with me and told me the truth - XXXX XXXX XXXX Nc branch manager, I spoke with and he told me to XXXX  off he didnt understand the XXXX transfers and called me a XXXX XXXX XXXX  words I wont say and I am not of either respected or any denomination of such for lack of better word. My funds are frozen and bills late and I have a XXXX veteran husband whom may lose heat or a vehicle payment missed because us bank lied and froze my money. Dont bother with them. No answers for XXXX days, XXXX almost frozen and I was harassed and without money with no answers as a working XXXX plus hour a week human being who cant pay bills now because I used XXXX and us bank
Product: Checking or savings account

I have evidence of submission of 6 emails with clear attachments. One attachment was not legible ... The FIRST one only. So now every single document I have forwarded thereafter gets rejected but the Computer has been stuck on XXXX for over a month. I've even spent 2 hours on the phone talkIng with CSRs that tell me to stay tuned for security to fix it. Nonetheless. Nothing has happened. This is the worst customer I have received in 30 years of banking. I'd just like to reopen my accounts if that is a possibility. The number outlined as an acct number is just my Previous profile number
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion several times via phone online, and via first class mailings on many occasions in regard to several accounts that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to XXXX several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report XXXX, I've called Transunion and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : XXXX XXXX XXXX account XXXX {$40.00}, XXXX, account XXXX {$2900.00}, account XXXX {$6900.00}, account XXXX {$3400.00}, account XXXX {$7100.00}. I also want the following unauthorized inquires from XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX XXXX  removed. I have even sent copies from XXXX  & XXXX showing that they deleted items that TransUnion keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect
Product: Credit reporting or other personal consumer reports

I am writing to formally notify Experian of a violation of the Fair Credit Reporting Act ( FCRA ) concerning the handling of my personal information. 

Despite my previous communication on XX/XX/year>, informing you them that XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX is no longer my address, and provided my current address, Experian have continued to send my personal information to the outdated and now incorrect address. Furthermore, this address is not verifiable by the U.S. Postal Service ( USPS ).

Under Section 611 of the FCRA, Experian is required to ensure the accuracy of the information it handles and correct any inaccuracies when notified by consumers. By sending my sensitive information to an incorrect address, you have compromised my privacy and exposed me to potential identity theft and fraud. 

I demand that Experian immediately : 1. Cease sending any personal information to the incorrect address.

2. Update your records to reflect my current address : XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX. 
3. Provide written confirmation of these changes and any actions taken to prevent future occurrences.

If Experian fail to address this issue promptly this will result in my filing a formal complaint with the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, I will seek further action to protect my rights under the FCRA.

Please respond to this letter within 30 days to confirm the corrective actions taken. 

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

Child support account showing on my credit reports is not mine. I have disputed and it was not deleted.
Product: Mortgage

We have been in a foreclosure where the loan has been transferred between at least 10 different servicers over several years. We have documented multiple missing payments that we proved were paid and multiple undefined charges just marked as " fee ''. We have agreed to a pre-approved mortgage trial/modification plan but the servicer still foreclosed during an agreed upon time that they would not foreclose. They have been DUEL TRACKING on this loan. On XX/XX/2019 we received a letter from Caliber Home Loans that was dated XX/XX/2019 with an offer for a pre-approved trial/modification offer stating we have until XX/XX/XXXX to accept and that there would not be foreclosure while the trial/modification is being followed. We mailed the signed offer to them on XX/XX/2019 with a letter attached that said we agree to the plan but wanted to know what the amount of principle balance would be after the 5 year modification plan ended. XXXX, XXXX and XXXX scheduled a hearing on XX/XX/2019 asking the judge for summary judgement in the case even though we had an agreement not to foreclose unless the plan requirements are not met in the 3 month trial. I went to this hearing and informed the Judge and Calibers attorney that we had agreed to the offer and were waiting for the request for post modification principle balance. The Judge granted Calibers summary Judgement on XX/XX/2019 even though both the Judge and the attorney had been informed of the agreement between us and Caliber. 
On XX/XX/2019 XXXX XXXX, Calibers attorney, called and said that Caliber asked him to notify us that the amount of principle still owed after the trial/modifications 5 year period would be XXXX XXXX.I was very mad at first because the principle balance after the 5 year plan was more than the claim, but that night on XX/XX/2019 after telling my husband of the offer he said to just send the payment and move on. So within 4 business days of XXXX XXXX XXXX phone call acknowledging that Caliber had received the signed offer and answering our after modification principle balance question we sent the first payment due by the end of XX/XX/XXXX only to find out later that evening when opening our mail that they had foreclosed 2 days before XXXX XXXX even called. 
This is DUEL TRACKING which is against the law both Federal and state.
Product: Credit card or prepaid card

To whom it may concern, I always pay every credit card I have in full every month. The card at issue is my Sam 's Club credit card through Synchrony Bank. On XX/XX/2022 I paid my balance of {$4000.00} in full for the prior month. The payment was accepted. Three months later the balance of {$4000.00} appeared back on my statement. I disputed this and was told that " on XX/XX/2022 the payment was returned unpaid by your bank ; therefore, the payment was reversed. '' I provided Synchrony bank with a copy of the front and back of the check with Synchrony 's stamp on it showing that it was received and cashed. I also provided copies of my bank statements showing the payment leaving my account and never returning. I asked Synchrony bank on multiple occasions to provide me with some kind of written evidence proving that the payment was returned by my bank. I have formally requested proof four times in writing and at least a dozen times over the phone. I am never given anything. Some of Synchrony bank 's responses simply say they can't locate any payments and other letters say that they found the payment but then it was reversed. They're not even consistent with the response they are giving me. At this point I have provided proof that the payment was made, that Synchrony Bank received the payment, that Synchrony Bank cashed the check, that the money left my account, and that the money never returned. Synchrony Bank has provided me with nothing. On a side note, in the middle of all of this I contacted my bank, XXXX XXXX and opened up a claim for them to investigate and they also confirmed that Synchrony Bank was paid and the money was never returned. I don't know what else to do at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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

In the last quarter of XXXX XXXX my divorce began, I had fallen behind in my payments of the mortgage I closed on XXXX XXXX. The nature of my business is solely dependent on my ability to perform. 

The first quarter of XXXX I was committed to multiple contracts to continue developing various treatments for Caner and more importantly my XXXX XXXX was scheduled to deliver a return of the XXXX invested prior XXXX years During the Forced lock down the lender carried on with XXXX XXXX Maryland courts. Because of the uncertainty of XXXX, XXXX XXXX plant in XXXX was XXXX down for over a XXXX in XXXX and XXXX investors were prevented from conducting business with my company because of the forced lock down. 

The XXXX began foreclosure proceedings in XX/XX/XXXX. Absolutely NO RELIEF was offered. Once the Court reminded the Lender of the Moratorium in place to provide relief the Lender responded with a motion submitted that falsely stated I was exempt from the protection provided by the XXXX Moratorium. 

My Home was not only being taken from me, my ability to recover any additional funds also was stripped away by the lender who reported my loan inaccurately. instead of owing my original Debt I owed over XXXX due to credit reporting by the lender When in fact I only borrowed {>= $1,000,000}. 

As of todays date the lender finally repaired the duplicate reporting, however the loan information is still a lot more than I borrowed. 

My business suffered the consequences because my equity and credit availability had been eaten up by the lenders false credit reporting The XXXX XXXX and any local grants or loans I could apply for all denied me because my debt to income ration and my credit score that suffered XXXX reporting of mortgages XXXX Forclosure and the second account remained open and was still accruing interest 1 year after the judges order of forclosure and is still showing active. 

I am requesting for assistance to seek the damages caused by this lender. 

XXXX XXXX XXXX XXXX. 
I am the spouse listed in the final closing statement. XXXX XXXX, at no point did I authorize the use of my personal identification information for the application process of this loan. 

I was not in the country at the time as XXXX and I were separated. I was in XXXX where I still remain. and have record of my travels. 

The lender added my personal information without my consent. I was given direction from them to go to American consulate in XXXX and sign the mortgage application on XX/XX/XXXX. I told the lender taking out. a loan for XXXX XXXX was of not interest to me as I pay cash for everything. 

Lender falsely advised XXXX my agreement to continue with the application. There is no documentation with. my signature approval or consent. If there is record it is a fraudleunt claim.