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

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on 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 XXXX XXXX XXXX. 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 XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX Balance {$790.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$230.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$760.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance {$1400.00} XX/XX/XXXX XXXX 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

I recently discovered a late payment entry on my credit report for my FHB auto loan in the amount of {$1000.00}. The late payment occurred in XXXX XXXX and another FHB account balance still {$4500.00}, actually all of account been PAID OFF! I deeply regret this oversight and take full responsibility for the delayed payment. However, I would like to bring to your attention the fact that I had no prior knowledge of this late payment as I did not receive any communication from FHB regarding the missed payment.

Throughout my history with FHB, I have maintained open lines of communication and promptly addressed any financial matters. However, in this instance, I did not receive any calls or correspondence from FHB alerting me to the missed payment. It was only when I reviewed my credit report that I became aware of this late payment entry. 
As an XXXX XXXX XXXX member, my deployments often present challenges in managing my finances. However, I have consistently made it a priority to ensure that my payments are made on time. I find it unfortunate that I was not contacted by FHB regarding this late payment, as I would have taken immediate steps to rectify the situation had I been made aware of it. 
I kindly request your understanding and compassion in considering a goodwill adjustment to remove this late payment entry from my credit report. As a loyal customer of almost XXXX years, I have demonstrated responsible financial behavior and have consistently made timely payments on my accounts with FHB. This isolated incident does not accurately reflect my commitment to meeting my financial obligations.

I genuinely value the relationship I have built with First Hawaiian Bank and believe in the exceptional service and support provided by your esteemed institution. I trust that you will take into account my loyalty, responsible financial behavior, and the lack of communication from FHB in evaluating my request.

Please feel free to contact me at your convenience to discuss this matter further or to request any additional information that may be required. I can be reached at XXXX or via email at XXXX. I appreciate your time and attention to this matter and eagerly await your favorable response. 
Thank you for your understanding and consideration.
Product: Debt collection

I have written 3 different disputes letters to all three major credit Bureaus in reference to reporting inaccurate information on my credit file. However Equifax failed to reply and or removed such inaccuracies. I have a letter from one collection company stating such account should be removed, which still remains.
Product: Checking or savings account

On XX/XX/XXXX, our that was made out to the XXXX XXXX XXXX XXXX was cashed for {$4500.00} by an unknown person. In XX/XX/XXXX, I received a letter from the XXXX XXXX XXXX XXXX stating that my property taxes are delinquent. I notified them by email, phone call, and faxed them immediately with a copy of my cleared checks. After several attempts to reach them, a rep of the XXXX XXXX XXXX XXXX, notifies me that the county places their stamp upon cashing the check. One check had the county stamp ( cleared by the county ) while the the other check had a handwritten signature on the back of the check ( altered by an unknown person and negotiated by Wells Fargo ). 
XXXX XXXX informs me to notify my bank to fill out an affidavit of forgery. I did this with our bank, XXXX XXXX XXXX XXXX. On XX/XX/XXXX, we received a provisional credit of {$4500.00}. On XX/XX/XXXX I made an electronic transfer of {$4500.00} to pay the property taxes. 
Unfortunately, we were notified that Wells Fargo is contesting the credit because the altered check was not reported until months later. This was because I didnt receive the delinquent letter from the XXXX XXXX XXXX XXXX until XX/XX/XXXX. When I check my bank statements, I check to make sure my checks are cleared, NOT who endorsed it. It was very negligent on Wells Fargo to negotiate the check when it was CLEARLY altered and was not even questioned by a manager. This raises a red flag about Wells Fargos practices and transactions. The XXXX XXXX XXXX XXXX is a major government agency. It is very suspicious to have a person put her name after XXXX XXXX XXXX XXXX on the checkline. 
We are asking for permanent retribution for this case and monetary compensation. We have spent countless hours communicating to the XXXX XXXX  to clear our delinquent property taxes, communicating with police, Wells Fargo bank, and our XXXX XXXX XXXX XXXX XXXX. In addition, our money was stolen for five months by another person who fraudulently endorsed and cashed our check, which was astonishingly accepted by Wells Fargo Bank. That should count as interest towards us. We have filed a police report, filed an affidavit of forgery, contacted the XXXX XXXX XXXX XXXX several times to waive the interest because of the delinquent taxes, addressed the foreclosure letter from our bank due to delinquent taxes, and complied with all requests to clear this matter. In the long run, we have been emotionally drained by this case. We are not the criminals, but actually the victims of this forgery. Nonetheless, someone got away with stealing our funds and yet we are being punished for it. We are asking for what is ours and for this case to be closed. 
Please see the evidence from the XXXX XXXX  clearing our case as well as the altered and non-altered checks made out to the county. We prefer to avoid any negative publicity towards Wells Fargo. We want retribution and monetary compensation for this ordeal. You can contact us below either by phone or email. 

Thank you.
Product: Money transfer, virtual currency, or money service

This is the second time cash app has took money out of my account and try to cover up their malicious activity. On XXXX XXXX MST and XXXX XXXX MST money was removed from my account balance first XXXX dollars was removed, then XXXX dollars was removed. When I searched my transactions for XX/XX/XXXX it was no record of any transactions that had been made in my transactions history. So I contacted cash app support. Like before customer service sends me in a circle of the same questions instead of an end resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to XXXX XXXX  and Equifax. As of today, over 45 days later, I still have not received any response from those disputes. I feel as if I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

*** PLEASE ABIDE BY FEDERAL LAW OF FCRA, or be aware i shall file a lawsuit with federal court to make you fix your huge mistake on my credit file. because of your mistake, creditors can not give me credit. please remove the following accounts as they are NOT MINE! here is FCRA 611 for reinvestigation or REISERTION OF DATE INTO MY FILE : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion THE FOLLOWING ACCOUNTS ARE IN A DUPLICATE FILE UNDER MY NAME OR REINSERTED WITHOUT GIVING ME NOTICE! A CLEAR VIOLATION, AS I HAVE TOLD EQUIFAX THE FOLLOWING ACCOUNTS ARE NOT MINE! DELETE! DELETE! DELETE THEM OFF OF MY FILE! XXXX   XXXX XXXX & XXXX, XXXX XXXX XXXX. XXXX/XXXX XXXX As you will see i pulled 2 reports both from Equifax owned websites ! but both show different information.
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 TransUnion 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 : XXXXXXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXXXXXX 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 Made on Time : My payments were made on time, as evidenced by my bank statements and payment confirmations, which clearly show the payment was processed before the due date. These payments should not have been marked as late. 
Bank Processing Error : There was an internal error at XXXX XXXX that delayed the application of my timely payment. The error caused the payment to reflect as late in the system, even though I had sent the funds on time. I have attached communication records with XXXXXXXX XXXX acknowledging this error and confirming that the payment was received. 
Misapplied Payments : The payments were incorrectly applied to the wrong account due to a clerical error. I contacted XXXXXXXX XXXX immediately when I noticed the issue, and they confirmed the error. However, the late payment entries were not corrected in my credit report despite the banks acknowledgment of the mistake. I am attaching documentation of my communication with XXXXXXXX XXXX as further evidence. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion 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: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that have been applied to my account. Despite having insufficient funds at the time transactions were authorized, I was charged overdraft fees due to delayed posting of charges and credits. 

This issue appears to align with the recent Consumer Financial Protection Bureau ( CFPB ) findings against Navy Federal, which highlighted similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request a thorough investigation into my account transactions to address this matter appropriately.
Product: Student loan

I have both a Wells Fargo checking and savings account and my daughter has a student loan with them. 
In XXXX XXXX, XXXX, I took over repayment of the student loan of which I am a co-signer. I made a payment of {$170000.00} using the Wells Fargo Co-signer App which processed successfully and noted the monies had been removed from my available balance. 
My plan was to be at least XXXX or 2 months ahead of schedule, so I submitted another {$350.00} payment on XXXX XXXX, noting that the monies were immediately withdrawn from my account. Normally the XXXX 's XXXX XXXX Pay history would reflect all submitted payments ; however, neither payments are now reflected on my bill pay history, although XXXX payment has been credited on my daughter 's student loan document and I 've included an email regarding the {$350.00}. These were removed once I started voicing my concerns. 
XXXX payment was successful. However, Wells Fargo cancelled both XXXX and XXXX payments and then charged late fees. 
On XXXX XXXX while out of town, I went into the Wells Fargo Bank in XXXX, questioning why I had received an email stating they could suddenly not process my payments when the money had been withdrawn. Personal Banker, XXXX XXXX gave me the number to Wells Fargo XXXX XXXX XXXX. 
I then contacted XXXX Services and was told the account was past due. I protested and stated I used their application which showed the submission dates and listed the corresponding confirmation numbers and that this information was available online. She confirmed that Wells Fargo had setup and owned the XXXX Access App for usage. She then explained I was only allowed XXXX payment per month, which would explain why the XXXX XXXX payment of {$350.00} was unsuccessful. I responded, I have never had problems giving my money away and could not understand how a banking institution would not take any and all payments! I mentioned I would have to follow-up on XXXX XXXX, when I returned home. 
At home, I logged into my online account and found that Wells Fargo had completely removed all of the entries relating to payments to the Wells Fargo XXXX XXXX. Ive spoken with a total of XXXX of XXXX XXXX representatives requesting they restore my statement as reflected on XXXX, so that I could confirm that all monies had been credited back into my account, but to no avail. 
I believe Wells Fargo is purposely attempting to cover-up their inefficiencies and not crediting the proper accounts and charging late fees to the unsuspecting. 
If Wells Fargo is without fault, why did they remove the educational loan submission entries from my online statement and bill pay history? 
I would appreciate your help in my recovering all late fees and visibility into what happened to the monies removed from my account. ( FYI XXXX payment processed successfully!! ) Thank you, XXXX XXXX XXXXXXXXXXXX
Product: Student loan

As a continuation of my complaint (  XXXX  ), I was unable to dispute  Nelnet 's respo nse because both CFPB  and Nelnet 's web sites were being upgraded this weekend. Following my initial complain t, Nelnet offered me a Revised Repayment Plan, which they had never previously offered or m entioned to the amount of $  XXXX . That is still a payment that is too high for me. My wife and I file taxes jointly, which seems to greatly effect my income-based repayment plan. She has her own student loan balance of $  XXXX  to pay  ( which I sent proof of with my required income-based repayment plan ). The re p on the phone assured me that if I sent proof of her student loan responsibility that would greatly decrease my income-based payment. That did not happen. After proving my wife 's income, having her own loan balance, a child, and a house, not enough came off of my monthly payment to actually make it continuously payable.     This is a predatory and truth withholding industry that will crash like the housing market did. I get the sense that they know this and are trying to make as much money as possible before their ultimate demise.
Product: Debt collection

My records associated with the account XXXX XXXX do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment to XXXX XXXX but I did not receive what I asked and these violations persist on my credit report. I already reached out to the credit bureaus and to XXXX XXXX for the account number XXXX and notify them of their error posting for this account. I DO NOT OWN THIS DEBT, I NEVER HAD A XXXX XXXX ACCOUNT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$7800.00} XXXXXXXX XXXX XXXXXXXXBalance XXXX {$3200.00} XXXX XXXX Balance : {$4100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1100.00} ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$440.00}
Product: Debt collection

Jefferson Capital Systems is trying to collect {$1000.00} from me through XXXX. It was from a cell phone & plan purchase in XXXX of XXXX. After a month I sent the phone back & closed the account because the service was horrible & now its in collections when it shouldnt be starting in XX/XX/XXXX.
Product: Credit card or prepaid card

I called the company and they said I had to pay the debt upfront and then they would get back to me on the fraud charge and they have not.
Product: Credit reporting or other personal consumer reports

XXXX XXXX which is a company extending offering of credit has violated my constitutional rights under 15 U.S.C. 1681. I have submitted disputes multiple times to the Credit Bureaus and to XXXX XXXX due to the improper reporting of credit and inaccuracies of my credit report. 

Account with XXXX was closed on XX/XX/year> after notifying XXXX to effectively shut the account down. XXXX notified XXXX that the account was closed on the above date. XXXX failed to notify the other Credit bureaus of the account being closed and has multiple credit inaccuracies that they have failed to address effectively violating my rights. 

Experian shows XXXX as being currently open and active and has an update on XX/XX/year>. Experian shows all payments have been made on time without issue. Experian shows that a payment made for XXXX of XXXX was not made and has no payment history. 

Due to the consistent credit inaccuracies this has affected my ability to obtain credit and has violated 15 USC and my constitutional rights. Multiple discrepancies are located on XXXX as well proving that XXXX has failed to follow 15 USC and properly report credit to protect consumers.
Product: Credit reporting or other personal consumer reports

I am aware of all rights that I have and that are protected by Congress under the Fair Credit Reporting Act. The credit reporting agencies Transunion and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Section 604a, Section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I got 4 over draft fees .need someone from executive office to call me back. I tried to work this out with the call center and branch teller team. This bank ATM in XXXX az atms are always down. After a certain time and even in the night. Between XXXX and XXXX XXXX. I have issues with putting money in the ATM. When I do put Money in the ATM it takes a few days to get the cash Money posted. I got over draft and I requested the over draft fees to be refunded. The teller I spoke to wasn't trying to refund the money and was trying to blame me. 
regardless. Who was at fault I should not have to contact the executive office to have simple issues resolved. I don't keep a lot of money in this bank because of the service and I only use this bank for the location. I have issues with this bank and ATM all the time. I complain to the tellers and it seems like I'm the bad guy. I want to talk to someone about the overdraft refund.