23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I made my regular payment on XX/XX/XXXX ( the normal due date ) On XX/XX/XXXX I received a call by Midwest loan services hat said my payment had not been received. I informed the customer service rep, that I had paid via internet banking through my credit union and payment was sent ACH on XX/XX/XXXX and the funds were taken from my account. After a brief place on hold, I was told " sorry, you payment was n't late, we returned it due to our partial payment policy ''. But I did n't make a partial payment, I paid the same amount I do every month. This is when I found out there was a PMI miscalculation and I had and " escrow '' shortage of {$5.00}. 

They claim they sent a letter which I never received, it certainly was n't sent certified. So since they returned my payment, they now wanted me to pay it again with the {$5.00} added. Well I ca n't pay them, until I get the money back ( that they had ). At this point we started discussing a late fee and how I could be reported to the credit bureaus if I did n't pay it. This is when I started losing my temper. How can they do this? They had my money? After some negotiation, I was told they would waive the fee this one time and would not report me. But how many customers have they done this to?

The status as of right now ( XX/XX/XXXX )? The rejected payment was sent to a third party internet banking partner of my credit union ( that is also their policy ). It will be 10-15 business days before it will be deposited back into my account ... at which time I can pay Midwest Loan Services AGAIN. It  's my opinion that they are in violation of the Truth in Lending Regulation as I have not been credited " promptly '' as the Reg states. I have spend at least 16 hours trying to track down my money. None of this was my fault and I 'm paying the price. Something needs to be done about this company.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft resulting from a data breach. As a result, fraudulent accounts and unauthorized inquiries have been reported under my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following items from my credit report : Fraudulent Accounts : 1. Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX  Date Reported : XX/XX/XXXX XXXX  Balance : {$680.00} Unauthorized Inquiries : 1. Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX 2. Creditor Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX 3. Creditor Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX 4. Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX 5. Creditor Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX 6. Creditor Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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

Service Finance is reporting this debt as an open acct on my credit bureaus but the acct was charged off in XXXX. This company is also still charging interest on a charged off acct and also reporting this account as a mortgage account when it's actually a home improvement loan. I have called and talked to XXXX XXXX in XXXX, XXXX and I also in XXXX and my last attempt to settle this debt was in XX/XX/XXXX and also XX/XX/XXXX. I offered to settle the account for 50 % of the debt. This company is continuously reporting on the account and charging more interest which I know is illegal to keep charging interest on a charged off debt. I have notified XXXX, XXXX XXXX and XXXX about the inaccurate information and the company claims this is accurate information. This company should get penalize for trying to deliberately destroying a person 's credit.The original contract was 60 months but they're reporting I'm 69 months delinquent. Every month still reporting
Product: Credit reporting

Experian, I express concern how supervisor was rule, disrespectful, hing up, and over talk you on the phone. They disregard chapter ( XXXX ) bankruptcy. Experain continue to report my credit the same way like the bankruptcy does no matter. The supervisor was rule to I asked to be transfer to the department the handle bankruptcy he no me know I state that they sensitivity training, some comments to me was offensive. Then turn hung up the phone, XXXX, only put file to be trainfer to his phone. The n also sending me a bias letters in the mail. Experain is have cause me to not have access to credit also to pay high interest rate. They disregard my bankruptcy also reporting in formation over ten year old.
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 Experian 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 XXXX XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXXXXXX. 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 : The payment history reflects several late payments, including 30, 60, and 90, 120-day delinquencies. However, I have provided evidence showing timely payments for all months in question. This includes bank statements and transaction confirmations for the payment due, which were made on time, but incorrectly marked as late. Additionally, subsequent months were marked late due to this erroneous initial marking, despite no further delinquencies. 
Evidence, such as transaction logs and confirmation numbers, was submitted in each dispute, proving that my payments were received within the agreed-upon grace period, but this has not been rectified by any of the credit reporting agencies. 
Furthermore, these discrepancies have negatively impacted my credit score, creating significant financial stress and impacting my ability to access credit at favorable rates.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
These are the accounts that I marked as inaccurate : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

There is an ongoing issue regarding a payment amount of {$5100.00} which includes {$3700.00} plus estimates IRS taxes issued from Wells Fargo Remediation Program. The payment was sent to my old address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX in XXXX or XXXX of XXXX, after I moved in XXXX of XXXX to current address at XXXX XXXX XXXX, XXXX XXXX CT XXXX. I later learned check was cashed at a XXXX account from information showing on check image along with affidavit sent from Wells Fargo. The check appears intercepted, possibly by a relative with similar name, signature forged, cashed at XXXX. The relative is nowhere to be found. The address sent to was not fully verified by Wells Fargo at the time, I believe claim rep, XXXX XXXX, did not verify. Wells Fargo Treasury Management investigated check, unable to obtain funds from XXXX, closed case out. A separate CFPB complaint was filed in re against XXXX, they replied in part by doing an identity theft investigation, closed out, no resolution or release of funds. Numerous prior CFPB complaints filed against Wells Fargo, reps reply by stating check cashed, even though fraudulently and no funds received. Most Recently, I attempted resolution by speaking with a XXXX in Wells Fargo XXXX XXXX, she refused to speak directly, advised me she would reply to CFPB... Her reply followed previous replies which again, stated check cashed which was fraudulently. I've since spoken with a XXXX XXXX, advised him of XXXX different options for resolution which include reissuing check, if not, correct IRS reporting information for tax year XXXX to show no payment received that year or put me touch with legal department to negotiate a settlement to claim.. I have not heard back from XXXX to date, our last conversation was several days ago, messages left since, none returned.. My preference is check reissue, funds are owed to me for damages caused by Wells Fargo reps opening accounts I did not request including checking/savings, as far back as XXXX. In closing, I wish to bring to the CFPB 's attention, there appears to be an underlying issue which is the remediation program may have ended in XXXX, Wells Fargo appears to be attempting to dishonor their commitment to payment due to program ending.
Product: Debt collection

This is XXXX XXXX I have been dealing with XXXX XXXX and now have Student Loan Care llc contacting me from XXXX XXXX XXXX to say I 'm passed due and need to pay XXXX $ or my account will cancel. Once cancelled they will have to report XXXX $ on my credit that I will have to pay back. I consolidated my student loans a few months back in XXXX 2017 and did n't realize this company was n't in charge of my real student loans just the " interests '' and would help with my total amount. I signed a document for them to get auto payments until they had 3 payments of XXXX. Now that my bank has stopped payments when I found out I 'm getting calls like this ... <P/><P/>Hi this message is for XXXX XXXX my name is XXXX calling from sitting OK I a.m. calling in regards to a notification received by _____. Since it looks like you have missed ___ see payments your account balance with them is {$130.00} if payment is not received by tomorrow Friday XX/XX/XXXX your account will be place of the charge off with that means is that the account will be canceled. Since I would be marked um and negative on your credit report and you would have XXXX full him some of the {$1400.00} and one of them um you can please give me a call back at XXXX that is my direct line or you can send a response to the email or text message talk to you then bye-bye They are also texting me back after my bank stopped their automatic payments. XXXX who handle my student loans said twice that they were not a real company and nothing I pay them goes to my student loans and that I Was scammed. The number texting me was XXXX XXXX XXXX ... <P/><P/><P/><P/>1 ) Your account with XXXX XXXX has become past due. To avoid additional fees please give me a call within 24 hours at XXXX. Failure to r 2 ) espond with 24 hours, may result in negative credit and suspension of your enrollment with Student Loan Care LLC.
<P/>
Scammers Sir we have submitted a consolidation on your behalf. <P/><P/><P/><P/><P/><P/>I have left a message with my attorney generals office in case what I signed they can put on my credit. Any advice would be great! <P/><P/>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX with XXXX XXXX did a XXXX way call with CCS Collections in efforts to remove this {$400.00} that was paid over 6 years ago to get removed from my Credit. My audio cut off but CCS Collections said they would not remove from report. Even XXXX XXXX ( their client ) requested it be removed. Attached is a copy of the audio conversation. Please help me get this off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an ongoing grievance with XXXX XXXX  aka XXXX XXXX XXXX. This company, XXXX XXXX, XXXX aka XXXX XXXX XXXX is claiming that I have an outstanding balance with them, of {$3100.00}. 

I have never entered in any agreement with them, nor have I ever applied for any type of credit with his " COLLECTION AGENCY ''. This company has been FRAUDULENTLY reporting, XXXX, bogus accounts to the credit bureaus, for over the past couple of years. They've reported the accounts, under the name XXXX XXXX, XXXX, once it gets deleted from the bureau, they'll report this BOGUS account, under their " SISTER COMPANY '' XXXX XXXX XXXX ''. 

The companie ( s ), share the same address : XXXX XXXX XXXX XXXX, SC XXXX. 

I have sent them a notarized Affidavit, demanding proof of debt and asking for a document, with my signature, proving that I owe this debt to them. THEY IGNORED my request and have continuously, illegally reported this FRAUDULENT account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and there is wrong information in my report.     XXXX   XXXX   XXXX   XXXX   XXXX  * : Unverified account   XXXX   XXXX   XXXX   XXXX   XXXX   Unverified account   XXXX   XXXX   XXXX   XXXX   XXXX   I have never paid late this account Beside that, my personal information is reported incorrect, please fix it
Product: Debt collection

For the past years this company continues to charge me a debt and continues to report to me in the agency XXXX. today XX/XX/XXXX I saw in my annual credit report that this americollet company since months ago has reported me again. knowing that I have made many complaints and I have the proofs please help me eliminate this and that they do not hurt me anymore in my credit
Product: Checking or savings account

Consumer Financial Protection Bureau Consumer Complaint Product : Bank account / Checking account Issue : Managing an account / Direct deposit problems Company : Capital One Complaint : I am filing this complaint regarding Capital One 's widespread direct deposit system failure that occurred on XX/XX/year>. This technical failure has caused me significant financial hardship and stress. 
Specific Issues : Direct Deposit Failure : My regularly scheduled direct deposit, which typically posts to my account on Thursdays at approximately XXXX XXXX  through Capital One 's early direct deposit feature, failed to process on XX/XX/year>. 
Lack of Timely Communication : Capital One failed to provide timely notification about this system-wide issue. According to their own email communication, they were aware of the problem since XX/XX/year>, yet they only sent an email at XXXX XXXX  on XX/XX/XXXX - more than 24 hours after becoming aware of the issue and fourteen hours after the typical deposit time. This delayed notification left customers unaware of the situation throughout the business day and unable to make alternative financial arrangements. 
Financial Impact : My account is now overdrawn due to scheduled automatic payments Automatic bill payments have failed to process I have a Capital One credit card payment due on XX/XX/year>, which I can not make without these funds I have incurred ( or expect to incur ) NSF fees and potential late payment fees from other creditors Inadequate Resolution : As of this complaint, Capital One has not provided : Clear timeline for when deposits will be processed Information about fee reimbursement for overdraft or late payment charges Emergency solutions for customers facing immediate financial hardship Requested Resolution : Immediate processing of my direct deposit Reimbursement of any overdraft fees or late payment fees incurred due to this system failure Waiver of any late fees on my Capital One credit card payment Implementation of better communication protocols for system-wide issues Compensation for financial hardship and stress caused by this failure This situation appears to violate the Electronic Funds Transfer Act ( EFTA ) , which requires financial institutions to provide timely access to funds. I request that the CFPB investigate this incident as it appears to represent both a violation of federal law and a significant failure in Capital One 's banking infrastructure and their duties to their customers. This system failure has affected numerous customers and demonstrates inadequate disaster recovery procedures and customer communication protocols. 
Documentation Details : Account Type : Checking Account Regular Direct Deposit Schedule : Thursdays at approximately XXXX XXXX  Date of Incident : XX/XX/year> Time of Capital One 's Notification Email : XXXX PM EST, XX/XX/year> 2025
Product: Credit reporting

I have a XXXX account which was reported by TransUnion for {$540.00} on XXXX XXXX, XXXX. The current fees is {$550.00} from a citation processing center whick I know nothing about. However these collections were posted on my credit report on XXXX XXXX, XXXX. This is a serious matter that conflicts with my credit score.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



CLOSED ACCOUNTS : XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

On XX/XX/year> I was charged {$620.00} on XXXX  XXXX for a purchase. When I received the order on XX/XX/year>, everything was defective, dead, full of pests, and not as described. I was also charged for an item that was not received. I took sufficient photos and videos of everything. I then sent this to XXXX  XXXX on XX/XX/year>. XXXX  XXXX responded on XX/XX/year> stating to send pictures of the items. I sent them the photos as requested. Then on XX/XX/year>, they stated they would review the pictures and then get back to me. On XX/XX/year>, they responded stating, that they would not refund the full amount. The explanations stated are inaccurate as it is evident in the photos that they are describing the incorrect products. They did not address the issue of pests, the incorrect descriptions, extra charges, and all the dead items. They also sent a code for a discount, which did not work. As a result of what they were doing, I filed the first dispute through Goldman Sachs on my Apple Card on XX/XX/year>. I sent Goldman Sachs the photos of the defective, dead, pests, and products that were not as described. Goldman Sachs sent a denial for the dispute on XX/XX/year>. I asked for a reason for the denial and they did not provide one. They never stated if they received my submitted information. I had reopened the dispute on XX/XX/year>. I sent Goldman Sachs the previous and additional information in the correct format that they requested. I also had them confirm that they received the information I had sent, which they stated they did. They had then sent a second denial for the dispute on XX/XX/year>. I messaged them on the same day asking again for the reason for the denial and they did not state any reason. I am asking for assistance in that this matter gets resolved. I am requesting the statement of {$620.00} be removed from the credit card account for the above-mentioned reasons. I have all the photos, emails, texts, and screenshots showing how the product was defective, dead, full of pests, and not as described. I have attached the files to this complaint. The attachments for XXXX XXXX show the photos of the dead corals. It also shows the order, which also shows the description of the product. These descriptions were inaccurate. It also shows that I paid for shipping protection and what shipping protection does. Attached is an email of them talking about a product I did not receive. There is a video showing their offered credit not working. There is an attachment of them stating their products are pest-free besides some items they have, that we did not purchase at all. Also attached are the text messages between Goldman Sachs and me for the filed disputes, in which they never stated a reason for the denials.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon a review of my credit reports with TransUnion, XXXX, and XXXX, I noticed a derogatory tradeline that I did not recognize from XXXX XXXX XXXX. I sent a request to investigate to XXXX on XXXX containing the FTC Identity Theft report and CMPD Incident report pertaining to this account, as I believed that I was a victim of identity theft. I received TWO letters from XXXX postmarked XX/XX/21 stating that their investigation for unauthorized activity on a XXXX XXXX account in your name showed that we identified payments made on the account and we were unable to find evidence of unauthorized activity. I sent another letter requesting all documents related to this account ( original application with my signature, proof of deliver of any items ordered, and proof that payments were made on the account ) on XX/XX/21. This letter was delivered on XX/XX/21. I have yet to hear from XXXX concerning the account, and a dispute filed with TransUnion on XX/XX/21, completed on XX/XX/21 came back as " verified as accurate ''.