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

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 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.

TRANSUNION 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: Student loan

When I took out a loan with Navient back in XX/XX/XXXX we made every monthly payment for about a yr, My mother was a cosigner on the loan it was for XXXX long story short she had to file bankruptcy and because you can't go bankrupt on Sallie mai " Navient '' they were getting paid through the bankruptcy every month for 5yrs they had received XXXX on top of what I already paid them and for some reason when I spoke with them they didn't have clue what I was talking about even though we had proof from the bankruptcy lawyer they basically told me they didn't care what proof I had and they dared me to get a lawyer! NO JOKE!! Now after fighting with them and getting discouraged 4 or 5yrs later " present time '' I owe around XXXX on my XXXX loan! I tried calling lawyers, I tried talking to them but nobody would hear me out!! I dont know what to do!?!? I refuse to pay them anymore and because of that every month 150+ gets added to my debt! This is madness! They have ruined the last 8yrs of my life!
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$28000.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX  I was misinformed and misrepresented with the intention that i was purchasing a 2 bedroom 2 bathroom condo in reality i would never own this property it was a scam to trick me into buying with a ten day cancelation period so u wouldnt be able to cancel i didnt do a credit check for this but its reporting on my credit report and i was told it wouldnt go on my report. I was told i could make up the monthly cost by sharing their company on social media platforms and they would pay me XXXX per share and commission if a buyer buy their vacation trip that was all a lie to get you to purchase i dont want this listed on my credit report because i didnt agree to this false, misleading timeshare. I want this deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following inquiry XXXX XXXXXX/XX/2019. Please  investigate to ensure there is no fraudulent activity. Please remove from my credit report.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to address a critical matter concerning inaccuracies found in my credit report. Upon recent scrutiny, I have discovered instances of incorrectly reported late payments on my account, and I wish to dispute this erroneous information. I kindly request your prompt assistance in rectifying or removing these inaccuracies from my credit report. Maintaining an accurate credit history is paramount, and the reported late payments do not accurately reflect my financial responsibility. These discrepancies are the result of an error and require your immediate intervention for rectification. The company associated with this account have confirmed the errors during my telephone conversations with them and have assured me of their commitment to correcting my account. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This complaint is related to a previous complaint I filed with CFPB ( complaint # XXXX ) in XX/XX/year> and XXXX XXXX XXXXXXXX and its collection agency XXXXXXXX XXXX XXXXXXXX has still not resolved the issue. 

According to an agreement between me and XXXX XXXX XXXXXXXX my outstanding balance was reduced to {$54000.00} and I was obligated to pay it back on a set schedule. I have been making payments as of XX/XX/year> but XXXX  XXXX XXXX has neither notified the credit bureaus of the reduction in outstanding debt nor reported my monthly payments. This has caused a severe drop in my FICO score and made it impossible to secure a loan from anywhere including XXXX XXXX  for myself or for my company. 

Attached are the documents that I previously received from XXXX  XXXX XXXX to my last CFPB compliant recently and is a letter that I sent to XXXX  XXXX XXXX XXXX. I have been unable to reach their agents, XXXX XXXX XXXXXXXX.
Product: Mortgage

I have been involved in this VA mortgage refinancing wit h Mariner Finance LLC s ince  XXXX   XXXX ,  2017 . We received a loan estimate amount of  XXXX  with a payment amount of  XXXX . Once the appraisal came in for  XXXX ,  XXXX  We never received an upd ated Loan Estimate o n the  XXXX  We were asked to run back and forth to fax machine to provide documentatio n. (  Many many times as documented .. ) Then on  XXXX   XXXX ,    2017  at  XXXX  we were sent a closing disclosure for the  XXXX  ( which had the incorrect spelling of name ) we were unable to open and sign. We only had phone access. We tried many times to send.   at  XXXX   XXXX  we sent  XXXX  a text that the Closing disclosure should have been signed and sent to her .At  XXXX   XXXX  she stated that she received them.   On  XXXX ,  XXXX ,   XXXX   .at  XXXX   XXXX  she sent text stating the documents were not signed and that we should sign and date for yesterdays date ( documented ) She then stated we could fax it to her. ( Advised the closest Fax machine wa s not Open on Saturdays  and Sundays.. ( She advised that she could get Monday as long as it was dated for yesterdays date. Also was asked by  XXXX   XXXX  to also backdate ( documented ) ( something I felt was morally wron g )   XXXX   XXXX   XXXX ,  2017  at  XXXX  (  19 min after supposed closing ) I received another set of closing disclosures. I compared the two sets o f final Closing Disclosures along w ith the Original Loan Estimate.  and noticed the one they were rushing me to sign the payment was  XXXX  a lot higher than the payment for the higher loan amount. And the payment for the second set of Final disclosures was  XXXX  We were not informed o  f ANY Number changes.
Information was left out   on the final closing disclosures that they were rushing me to sign on  XXXX !  XXXX  and  XXXX , as well as BIG number differences.   I never received a Loan Estimate on the  XXXX  I also do n't think its right To BACKDATE Legal and binding documents and as I understand it a new set of Final Closing Disclosure requires a 3 day review period.
Product: Credit card or prepaid card

I have received a letter informing me my account has been closed and the only reason listed is excessive credit reporting agency inquiries. I have over 14 years of clean credit no missed payments and pay over the minimum. They should not have closed my account due do 90 % of the inquiries were my car shopping. I have over XXXX in open credit and on way a risk, their unwarranted action has hurt my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts that I would liked fixed. And Im not sure what to do. The first one is XXXX XXXX XXXX XXXX. Its says I was 60 days late. They told me that I could skip my payments because I was going through a hardship. But that was not the case. 

The other one is XXXX XXXX XXXX I missed a payment because they didnt have the right address. Or it was because it was suppose to be paperless.
Product: Mortgage

My latest escrow statement shows my account debited twice for a one-time annual insurance payment. 
Company representative acknowledged XXXX of the XXXX recorded payments was returned and the amount was in fact only paid once. 
A corrected escrow statement was promised but not received. 
The current escrow statement shows the debit as being made twice and reducing my escrow balance as if XXXX payments were made but only XXXX was made. 
I've attached the escrow statement. Reference Table XXXX : Escrow account history.
Product: Credit reporting or other personal consumer reports

REPORTING INACCURATE INFORMATION The reporting of this account is in violation of 15 USC 1681e ( b )
Product: Checking or savings account

I was sent a zelle and the receiver was off by s letter and it got sent to the wrong place
Product: Checking or savings account

My mother passed away on XXXX. She kept her assets in the XXXX XXXX XXXX. Since her passing, I am the sole trustee to her trust. In early XXXX I provided Bank of America with a copy of the trust certification, the EIN provided by the IRS, as well as my indentification in person. They declined to grant me access to the account until I completed their own paperwork.

A week later their paperwork came by mail. I returned to Bank of America to complete their paperwork at the direction of one of their employees so that it was filled out correctly. Several days later I received an email stating the documentation was incorrect ( with no explanation of what exactly was incorrect ). I returned to the bank to again fill out the paperwork with a Bank of America employee. 

Several days later I received notification that I had been approved as the trustee on the account. However, when I logged in, the account showed that all funds were blocked. Many calls and bank visits later, Bank of America lifted the block and I could see the balance of the account - approx. $ XXXX. However, I was unable to access the funds. I again called in and was told I would need to return to a branch in person to access the funds. 

I returned to a physical branch and was told I would need to return another day because they could not reach the Estate Case Manager. I returned yet again the following day. After waiting on hold with their Estate Case Manager for over an hour, I was told that the block on the funds would be lifted in four business days.

At this point, I had grown quite tired of jumping through hoops for Bank of America and asked that they issue a cashier 's check to me for the funds and provided them with two forms of ID. They declined to allow me access to the funds yet again, stating that I would need to wait another four business days before I could access the funds.

All total I have visited their physical locations six times and spent hours of time on the phone trying to access money that I am legally entitled to. This process seems to have no end, and I believe they do not intend to ever release the funds to me. What Bank of America is doing is just plain wrong.
Product: Debt collection

Dear ( True Accord Corp ) I am writing in response to your recent communication regarding the alleged debt referenced in your ( letter ) dated ( XXXX XXXX ). I dispute the validity of this debt and request that you immediately cease all further communication with me regarding this matter, as authorized by 15 U.S. Code 1692c ( c ). Please provide validation of the debt, including the name of the original creditor, and the amount owed, and any documentation that supports the validity of the debt, as required by FDCPA. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I was refused a loan I qualified for. I applied for a loan at California Check Cashing Store located at XXXX XXXX XXXX, XXXX XXXX XXXX on Saturday XXXX XXXX, 2017.I submitted all required documents and filled out a for.I was told in order to qualify I must make at least {$2000.00} a month.The clerk who assisted me, XXXX, was begrudgingly processing the loan and said I was approved for {$2500.00} ( the max loan amount is {$5000.00} which I was trying for ). She then said she had to call 4 of my references. Two of them did not respond, so I provided two more she was able to contact. Then she told me she had to contact her supervisor before approving my loan. I waited for some time. Next she asked for a copy of my old id ( I had changed my name years ago ) which I provided. Now XXXX insisted her supervisor was going to call me and there was nothing more she could do for me. I never received a call from XXXX or her supervisor. I called back and XXXX told me they decided to deny my loan but could not provide a reason and to come back to the store to retrieve my application and copies of my documents. I returned and was provided a letter stating I was denied a loan due to the checking account I used could not be verified or did not have a sufficient balance at the time the loan was requested. XXXX never stated I had to have a certain amount of funds in my account prior to applying for the loan. Also the bank requirements was that I had to provide two most recent bank statements and a voided check ( which I did ). My current pay stub shows direct deposit into this account. I recorded this conversation with XXXX who stated I was denied for this reason by her supervisor even though I provided all documents and qualified to " apply '' for {$2500.00}. I asked for copies of my documents including the voided check and was told by XXXX she already shredded the papers. I feel I was discriminated against for getting a loan. I provided all required documents and references. My credit score is fair ( I have no bankruptcies ). I make decent income. I only needed this loan due to a temporary setback but I pay all my bills on time. I have applied for loans in the past and was never treated in such a manner. I am reaching out for assistance because I really needed this loan ad feel I was denied on the basis of my race or sexual orientation. Thank you for your time.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING 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.
This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the accuracy of certain information on my credit reports maintained by TransUnion and XXXX. The details of the accounts in question are as follows : TransUnion Report : Account # : XXXX Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX Report : Account # : XXXX Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Upon reviewing my credit reports, I have identified significant discrepancies between the information reported by TransUnion and XXXX regarding the above account. Specifically : Date Opened : TransUnion reports the account as opened on XX/XX/XXXX, while XXXX reports it as opened on XX/XX/XXXX. 

Date Last Active : TransUnion reports the account as last active on XX/XX/XXXX, whereas XXXX reports it as last active on XX/XX/XXXX. This discrepancy in reported dates of last activity is substantial and needs clarification. 

These discrepancies violate the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA 611 - Accuracy of Information : The inconsistencies in reported dates of account opening and last active dates suggest a failure to maintain accurate consumer information.

FCRA 623 - Duty to Correct and Update Information : According to FCRA 623, CRAs must promptly update and correct inaccurate information upon notification by the consumer. The discrepancies noted above indicate a need for immediate correction and updating of my credit reports. 

Furthermore, under FCRA 611 ( a ) ( XXXX ) ( B ), inaccurate information must be promptly deleted or corrected by the consumer reporting agency after receiving notice of dispute from the consumer. Given the discrepancies noted above, I request that TransUnion and XXXX promptly delete the inaccurate information from my credit reports. 


I request that TransUnion and XXXX conduct a thorough investigation into these discrepancies as required by FCRA 611 and promptly delete the inaccurate information from my credit reports. Please provide me with the results of the investigation in writing and confirm when the corrections have been made. 

Additionally, I kindly request that you send me a free copy of my updated credit report once the corrections have been made. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : Dept of Education/XXXX Account number - XXXX Account name : XXXX XXXXl Account number XXXX XXXX Account name : XXXX XXXX XXXX  Account number - XXXX Account name : XXXX XXXX XXXX  Account XXXX - XXXX These accounts have violated my rights. 

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 : states a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has cause to believe that the information is inaccurate.
Product: Debt collection

I disputed these items placed on my credit report by XXXX XXXX XXXX and XXXX XXXX with all 3 credit bureaus for {$400.00}. It states it was opened XX/XX/XXXX with XXXX XXXX XXXX and XXXX XXXX stated opened XX/XX/XXXX as an education loan I never applied for they seem linked. XXXX XXXX XXXX removed it from my credit report after I placed a dispute with all 3 credit bureaus. I look today at my credit report a month later and XXXX XXXX XXXX has placed it back on my credit report again. I have no idea what these debts or installment loans are for I was never sent proof of the debt nor any sort of ledger card showing I attended the college or there services. I would like proof showing why I owe these debts and how they have my information. I have no knowledge of this debt or debts.They are causing damage to my credit report and I would like to get to the bottom of this with this agency or agencies. I will also be writing a letter to my states attorney general in regards to these companies I have no business dealings with.