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

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX were 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 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. 

XXXX XXXX, XXXX 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: Checking or savings account

On XX/XX/XXXX I made 2 purchases through XXXX. One for {$69.00} and another for {$20.00}. Towards the end of the day there was a change in plans and I contacted XXXX to cancel the purchase and they confirmed that they issued a refund and sent email confirmations. So I reached out to my bank ( Citibank ) and after speaking to them for the last 4 days Ive been given the run around about when my money will be back into my account. I was told a different time frame each time I called. And at this point I dont think anyone knows. But when it comes to dealing with a persons money this shouldnt happen. While this may not seem like a lot of money to most people. Its quite a bit to me. I work very hard for my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XX/XX/2022 XX/XX/2022 XXXX
Product: Mortgage

My main concern is that Nationstar Mortgage is not my creditor nor the holder of my mortgage. Nationstar Mortgage is filing forged documents with my Recorder of Deeds ( Mortgage Assignment ). The assignment has been proven fraud and to make more insult of this situation, they have charged my alleged mortgage account for the filing and completing of the charges to file the forged assignment. The entire mortgage from inception was a sham and we just recently received information from the XXXX settlement that state that there is no way that the loan was originated with XXXX XXXX XXXX XXXX. I have provided this proof to Nationstar Mortgage and yet they continue to send me billing statements claiming that I owe a mortgage to them by way of assignment from XXXX XXXX XXXX XXXX. They even threatened foreclosure on my home without any right to collect but the evidence that I provided the court made Nationstar Mortgage mark that case settled, discontinued and ended without prejudice, so that they can now go back and create more fraudulent documents to probably start again. This company is violating debt collection rights and other offenses. I asked this company to provide my original paperwork and they even forged that information ; on their forged original application it states that we are both white and I am XXXX and my husband is XXXX. I am submitting a copy of all forgeries for your review. This company has also offered me an illegal payment plan including a new mortgage agreement which they would not be entitled to payment for. I asked for a copy of their business records and even in the records are transactions that say advise to call XXXX to create a mortgage assignment. The records also include a line saying that they are aware that the title is corrupted and that the assignments are fraud. I asked them to provide an original copy of the note and mortgage and both were forged and the mortgage even shows a different return to address, different signatures and initials. They were even so sloppy that they put part of the notary seal on opposite sides ( compare the mortgage fake document to the mortgage recorded mortgage to see the forgery ).
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I am an XXXX XXXX XXXX XXXX in a XXXX  XXXX  XXXX  XXXX - XXXX XXXX XXXX.  This is my 13th year as a XXXX, but they are telling me I only have 3 years of qualifying payments toward the required 10 years of loan repayments. The program is unnecessarily tricky, and I was encouraged to utilize forbearance rather than counseled earlier to go with income driven. There was also some form that wasn’t filled out in order for years of payments to count. This is rubbish and it’s wrong. Please find a way to make this company correct the years that should count toward my loan forgiveness. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX a collector for original creditor XXXX has recently updated/verified a collection account, account no. XXXX and done so wrongfully.The inaccurate negative information is appearing on XXXX, XXXX and equifax credit bureaus. 
When I originally received the service and phone I was satisfied.Shortly thereafter the screen broke so I contacted XXXX and XXXX replaced the phone with a refurbished phone for XXXX dollars.The refurbished phone worked for awhile but there was a problem with the charging port.I struggled with the phone for about a month until the phone was dead and wouldnt take a charge.I didnt want to pay another XXXX dollars to trade this phone and risk getting another defective one so I abandoned the acct and moved to another carrier.I was being billed heavily as I had added my girlfiend to this account which did not function properly due to the two defective phones.The phone service was only good in the beginning and the service deteriorated with the defects on the original phone and replaced phone.The carrier XXXX could not provide good adequate service due to defective phones and the charges to me are unfair and wrongful due to the poor service received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax added derogatory marks my credit report per XXXX XXXX. Upon further research these accounts was transferred/sold and I am no longer responsible for the accounts. Debtors creditors did not verify these collections. Also, there was no written form of communication, contract, or signature for the accused debts at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, Equifax has violated my rights as a consumer and I am requesting legal action to remove the accounts immediately.
Product: Debt collection

Last payment was XX/XX/XXXX. Complaint filed on or about XX/XX/XXXX with cfpb. Debt is about {$4100.00}. Called company on or about XX/XX/XXXX and told them to cease and desist all communication. Company continues to send collection letters. As you can see the debt is well outside the 7 year collection window.
Product: Checking or savings account

On XXXX  I attempted to open an account at Citizens to receive a promotion and use the account for some basic banking. The online opening failed while I was in the funding process and an error displayed to call in or go to a branch. 

I called a local branch and they didnt offer help, they referred me to call in. There hold times are over 20 mins so I had to request a call back. The person told me my account did open, although I received no email confirmation. She told me I could enroll in online banking. 

That didnt work after multiple tries and I had to again call support, wait for call back and get credentials created. 

I said I just wanted to close it because it wasnt even remotely working. I was told I couldnt until my funding transaction from my debit card had to posted. I attempted to set up an external account so I could transfer my funds as soon as it posted, but that didnt work because I appeared to have profile in their back end from an account years ago. More phone calls and told I had to call back after the transaction posted. 

Nobody would reverse my funding and close my account. 

This morning I received an error that my account isnt available in online banking or app. 

This has been the greatest display of incompetence Ive ever seen. This bank is not able to deliver their advertised products and services. By looking at XXXX you can see countless similar issues encountered.
Product: Checking or savings account

so i have a DOD Military retirement trust fund that i found out wasnt depositing money into my navy federal account. the problem was that i was removed as the exutor of the trust fund ( without my knowledge of it. ) To my surprise it was put into a persons name that wasnt even family nor extended family. well when this is when i got really smart and wrote my " letter of intent to settle with the state of California. '' I did this to bypass the months of litigation in the courts. But because my phone calls were not coming to me correctly, and there is proof of this, i didnt know that someone, XXXX XXXX XXXX had hired an attorney and made it look as if he was representing myself. this is how the whole letter of intent had been changed and the account holders were changed as well so the DOD trust fund started to deposit into the wrong accounts. For this reason i was hoping to have your company contact the govenor of california and notify him, as well as contact the military and notify them so that we can get this figured out the right way with myself. XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

I am a XXXX XXXX  who uses instant pay. There is a payroll card called Uber visa debit card partnered with XXXX. I am trying to open a new account and receive a new Uber visa debit card. But I am having trouble doing so. I tried contacting both parties but I am getting no help. XX/XX/XXXX I contacted XXXX XXXX because I wanted to reset my email and password, since it hadnt used the account since XX/XX/XXXX, I requested over the phone how to change email, and passwords. They gave me instructions to reset the information, but I found that my email address registered to the account was incorrect and I was instructed if I dont have access I would need to close the account and set up a new one. I had only .2 cents on that debit card since XX/XX/XXXX so I wasnt under my impression that anyone else wouldve or have been using the card. Because its been in my wallet since. But getting back to he subject. 

They told me since I had a balance on the card so there was nothing that they could do and since I was unable to reset passwords or the email because the information was forgotten and incorrect. 

XXXX XXXX suggested I close all accounts under my social security number XXXX. 

I closed the accounts that day, XX/XX/XXXX but I still had my debit card on hand so I could still be able to try, an access the website or try to reach a live operator but Unfortunately with the accounts being closed it made communication much more difficult and I was unable to resolve the problem. 

I was unable to verify my identity, through the closed account or my social, my birthdate or even my debit card number so ultimately resulting to no communication in a nutshell. 

Theyve blocked access from me troubleshooting the problem. And This is where the problem lies. Since I am a XXXX XXXX  my payroll is through the Uber visa debit card,  and I am not able to receive my instant pay benefits. 

I need to make sure that the account closed and it is processed and finished so I can reopen one and receive my pay, Uber cant do anything since theyre only supplying the card. 

XXXX XXXX needs to pick up the pace. 
I closed the account to open new account because my login information was incorrect and forgotten. And since I was instructed to close the account and go online and open a new one I followed that and no solution whatsoever. I was also told that I wouldnt have trouble setting up a new account, but Im unable to do that either since Ive tried and I get error codes saying I already have an account registered under my social which is the closed account. 

My question is why are the making it so difficult to contact them, troubleshoot the problem and set up the new account, whats the hold up, if I only closed and account to open a new one can someone explain whats so difficult about doing that?
Product: Consumer Loan

I made a small purchase XX/XX/XXXX under Best Buy 's " 18 months free interest '' terms on my CitiCard administered account, with the intention of paying the account down to {$0.00} prior to the end of the grace period, as I had done on XXXX previous occasions. 

In keeping with the spirit CitiBank has demonstrated with its customers, which has led to the multiple complaints against them with your agency, they did not honor the terms of the Best Buy free interest offer. When I was delayed in making a payment due to unemployment, they imposed criminally usurious penalties on my account. Please see the handwritten notes on the attached statements of my attempts to resolve the matter in a fair, and legal, way. XXXX XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; undated ; XXXX. XXXX, XXXX. ) These were all rejected. 

I refuse to pay the ridiculous penalties imposed by CitiCard, which now add up to over 500 % of the actual principle balance due. For this they, and/or the collections agencies to whom they have sold my loan, have placed monthly negative notes with the Credit agencies, severely damaging my credit rating.
Product: Debt collection

XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, IL, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ XXXX XXXX  ] Re : Dispute of Inaccurate Information on My Credit Report Fair Credit Reporting Act Disputed Item : ( XXXX ) Dear Sir or Madam, I am writing to formally dispute an item on my credit report under the provisions of Section 1681i of the Fair Credit Reporting Act ( FCRA ), which mandates that any inaccurate or incomplete information be investigated and corrected by the credit reporting agency. This account is listed as a collection/charged off account on my credit report but I have never received a 1099c for this charged off debit. Can you please provide me with a 1099c to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately The disputed item, [ XXXX ], appears on my credit report and is incorrect. Specifically, I believe that this item is inaccurate As required by FCRA, I request that you investigate this item and provide me with proof of the accuracy of this information. Specifically, I request documentation of the contact or transaction bearing my signature that validates the reported debt. This documentation is crucial in verifying the legitimacy of this entry on my credit report. Please note that under Section 1681i, you are required to complete this investigation within 30 days and notify me of the results. If this item is found to be inaccurate or incomplete, I request that it be removed or corrected immediately. I look forward to your prompt attention to this matter and expect a resolution within the required 30-day period. Thank you for your cooperation. Sincerely, [ XXXX XXXX ]
Product: Mortgage

I am currently applying for a mortgage. As part of the process, I received a letter that stated the following : -- -- -- I hereby authorize the XXXX, FirstMortgage, to verify my past, present employment earning records, bank accounts, stocks, and any other asset balances that are needed to process my mortgage loan application. I further authorize First Mortgage to order a consumer credit report and verify other credit information, including past and present mortgage and landlord references. 

By signing this document, I also authorize FirstMortgage to update my credit information every 30 days in order to validate that my credit reflects the same characteristics as those present when I applied for the loan. If my updated credit reflects any adverse factor which was not present in the initial credit, I understand that my rate and offer may change and if the loan is approved ; that this approval may become invalid a subject to a re verification of credit documentation. I understand that these re verifications may reflect an additional inquiry on my credit report. 

I certify that I do not have a blockage in any of the national credit agencies such as ; XXXX, XXXX and / or XXXX. If you have a blockage or XXXX in any of these agencies, you must notify it and provide us with the information that the agency will give you so that we can request the credit report. Failure to notify it could mean additional costs related to your credit report. 
-- -- -- My concern is that this language does not place an " end date '' on when the bank will stop reviewing my credit report looking for adverse events and may retain the right to modify my loan terms even after the closing. While I realize that a mortgage loan 's terms are defined in a different contract, I am concerned that this authorization looks like a blanket authorization that could be interpreted to extend beyond the closing date, and potentially lead to consequential harm to me and my family. 

The bank claims that this language is in line with HUD guidelines and will not change the terms of my loan after the closing- but they are unwilling to put that in writing in this document. 

I have contacted answers@hud.gov, but am still waiting for a response.
Product: Debt collection

I was a victim of identity theft and noticed a collection from AMSHER COLLECTION SERV I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AMSHER COLLECTION SERV in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax Security Breach worries me. You mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim your website, and would like a resolution. 

You did not notify anyone quickly enough and admit that you will not notify everyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX # 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 my account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on credit card account under a open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax XXXX XXXX are reporting information on my credit reporting fraudulent accounts on my credit report
Product: Mortgage

Wells Fargo foreclosed on my home in 2016 when they denied me on extended my forbearance agreement and would not approve me for a loan modification that would have enabled me to stay in my home. I want to be added to the settlement that your company reached with Wells Fargo that I should have already been included in the lawsuit. I send a letter to Wells Fargo stating all of the information and the reason why I should be included in the settlement of the lawsuit.