23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have had a HELOC loan with PenFed Credit for many years. It is in good standing with no late payments and frequent payoffs. I've started a construction process and am attempting to transfer money from this account but PenFed has frozen my account with no explanation. My account is active, in good standing with a perfect payment history. My credit score according to the PenFed site is XXXX. 

I have counted on this HELOC line of credit for years for various home improvement projects. It seems really unfair that PenFed has chosen to freeze this line of credit with no warning and no explanation. It is particularly unfair that PenFed has chosen to do this in the middle of a construction project.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 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 XXXXXXXX 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: Mortgage

I received my escrow analysis in early XXXX from my mortgage company ( Allied Mortgage ) which indicated a shortage of over {$4000.00}. This was not only due to a {$1000.00} increase in my hazard insurance ( which is beyond Allied 's control ) ; but also due to them not collecting enough at closing. This shortage increased my payment by over {$300.00} a month. I understand things happen ; however I am terribly concerned that I will not be able to pay my mortgage. I reached out to Allied Mortgage on XX/XX/21 requesting the shortage be spread out over 4 or 5 years. They advised me that they will submit a request to the investor ( FHA ). I have been following up with them at least once a week requesting updates. With each call I get a different answer. Some representatives indicate this request does not require approval and others say it does. Each representative promises to call me back within 48 hours ; however none of them do. During my most recent call today, they advised me that they have reached out to me. This is absolutely not true ( I confirmed they have the correct contact information ). I received one call from them several weeks ago around XXXX in the evening ; but they hung up before I could answer ( two rings ). My mortgage is now 6 days past due and I still do not have any answers. I filed a complaint with the CFPB about this company earlier this year as they did not pay my taxes and insurance in a timely fashion which caused my insurance to cancel. I have never experienced such ineptitude.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This item is reporting late, yet it is closed and the balance is zero as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

CEASE AND DESIST I, XXXX XXXX, Natural person and consumer, am notifying LexisNexis that you are violating 15 usc 1681 and my rights as a federally protected consumer. 
XXXX XXXX and XXXX is reporting a Bankruptcy on a consumer report bearing my name and alleges you, LexisNexis, have validated the Debt and Verified the accuracy of the data. XXXX, and XXXX have refused to cease reporting this inaccurate information more than XXXX times and claim that you validated the information, my information has been frozen with you and I have a confirmation letter from you dated for XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX and case number XXXX. This means that my information has already been provided to you as far as my identification to validate me and my account and you shouldn't be sharing any information with no XXXX. 
Lexis nexis is the Furnisher. 
Per FCRA Section 623 ( a ) ( 1 ) ( A ) When you provide information to the CRA, You have Obligations under the FCRA to ensure the accuracy of the information you Furnish. As a rule, its illegal to report information that you know to report information that you know or believe its inaccurate. 

Per FCRA section 623 ( a ) ( 1 ) ( C ) You can not, under any circumstances, report information the consumer has told you is inaccurate if it is, In fact, Inaccurate.

Per FCRA 623 ( a ) ( 2 ) ( B ) If you furnish information to a CRA on a regular basis and determine that any information you provided is inaccurate or incomplete, You must promptly notify the CRA and provide corrections or additions.Going forward, you must furnish only the correct information to the CRA. 

As evidenced by your removal of this account from LexisNexis reporting ( after I disputed and made multiple phone calls ), you still have notified the CRAs, Specifically XXXX XXXX AND XXXX that they are illegally reporting. This is a direct, willful violation of 15 USC 1681. 

This is not a dispute. This is a Demand for LEXISNEXIS to comply with federal law and cease infringement on my right to privacy and fair consumer reporting. 
I've been dealing with this harassment for over a year as a result of your illegal actions and it has cost me countless opportunities, my credit, my reputation and put undue hardship and stress on me and my family, you LEXISNEXIS, are civilly liable.
Product: Credit reporting or other personal consumer reports

I have requested updates to my credit file multiple times via Certified mail and email. I have been asked over 3 times to submit documents to verify my identity. I have done so multiple times and I have called each time to verify and was told documentation was not legible ( I Never received a notice to re-send ) My credit file has not been updated correctly and XXXX online account is not updated or correct and does not display my accurate accounts or length of history. This has been affecting my ability to obtain relationships with banks, loan originators, employers and more.
Product: Checking or savings account

On XX/XX/ my checking account with Citibank was compromised. Someone gained access to my account information and used it to make online payment for {$6900.00}. On XXXX  another amount for {$4300.00} was sent to XXXX without my authorization. I was not notified via email and had to clue this took place. On XX/XX/ I reached out to Citibank Fraud department, they closed my account and started investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive banked with Chase pretty much my whole life .First banking experience was XXXX XXXXWhich is own by Chase.Ive had enough of these banks falsely reporting bad credit reportsThe banks has denied my account since I was XXXX..I was told no due to my poor credit score.And to when I asked why was I denied they would say read the letter.And they would just basically lie.This bank did not due right by me.They closed my account and made up a lie stating that I was rude to they employees.. : ( ( ( I just wanted answers why they was red lining my name and intentionally making a bad credit score and denying me credit that was my minesThe banks do not suppose to deny anyone credit..!!!! Hjr-192 we consume and all debts are paidThis is the our right as consumers.The constitution is for me and not to be takin advantage ofWithout TRUST and FAITH what do we truly have.??? My information was data breached not long ago this is unacceptable.CHASE bank needs to get it together and treat all consumers with respect and be honest to us.Violating my trust is not right at all.Im so grateful for the cfpb because I cried so hard not long ago .Because this is mentally draining.So thank god for companies that helps the consumer..!!!!! Thank you.finally my voice can be heard and never taken advantage of again.Ive been redlined out of all credit outlets and this is so devastating.Ive have tried to reason with this bank and find out whats going on .But this bank repeatedly denied and used my information in regards of not having my permission.Please hold them responsible for what they did The fact that they closedown my bank account is proof I was wronged by this bank.What bank close your account out of no where
Product: Debt collection

I'm writing to express how deeply annoyed and dissatisfied I am with the way your bureau has handled my complaints about identity theft. I have tried numerous times to fix this problem, but I have never received a satisfactory response or action from you. 

I was the victim of identity theft, and because of the unauthorized accounts and transactions that showed up on my credit report, I had to deal with a lot of emotional and financial difficulties. I reported these fraudulent acts to your bureau, and in order to prove my innocence and support my assertions, I sent all the required paperwork along with thorough explanations. 

But, a very long time has passed since I first brought up these issues, and I still haven't received a satisfactory answer or resolution. In addition to causing me a great deal of stress, this delay has had real detrimental effects on my financial security. Because of errors on my credit report, I have had my credit applications denied, my interest rates increased, and I have been harassed by debt collectors nonstop. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I implore your agency to investigate my identity theft complaints thoroughly and promptly. I demand that you give my case top priority, look into this matter thoroughly, and get rid of the bogus accounts and activities from my credit record as soon as possible. I also want regular information on the status of my claim and a well-defined deadline for its conclusion. 

I think it is my right as a customer to have my complaints taken seriously and swiftly addressed. I'm ready to seek legal advice and take this issue up with the relevant regulatory bodies if your bureau doesn't respond satisfactorily in a fair amount of time. I want to make sure that justice is done.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : inquiries XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2020 I called to make a payment to no avail They are Not ADA Accessible I have No Access. On line to my account due to my XXXX. Calling to access my account is my only option and it requires my XXXX XXXX XXXX to enter in 16 numbers card number and 4 numbers of social security I was unable to make a payment with extreemly XXXX XXXX They do not provide any option to access my account I should be checking for unauthorized charges with all data breaches daily I am unable to feel safe or secure checking my account as all others with accounts are advised to do for protection I have requested this be corrected for over a year to no avail
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 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 MAY 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 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: Bank account or service

I am using Wells Fargo as my primary bank account. On XXXX XXXX, 2015, someone has been using my card without my permission ( Unauthorized transaction ). My card were not stolen ( I had my card with me ). The unauthorized transaction was being made at XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX XXXX ), XXXX XXXX ( XXXX XXXX ), XXXX XXXX ( XXXX 's ), XXXX XXXX ( XXXX ), and etc,. XXXX transaction with the same amount of {$36.00} were made in XXXX ( total of {$73.00} ), XXXX transaction of exactly {$100.00} was made in XXXX, XXXX transaction of exactly {$200.00} was made in XXXX XXXX ( Total of {$600.00} ), XXXX transaction of {$2600.00} was made in XXXX 's and XXXX transaction of XXXX was made in XXXX. I was in XXXX XXXX with my wife on the same night ( As a proof, I made some transaction inside the city of XXXX XXXX ). All the transaction made within XXXX XXXX were done by me and my wife, but other transaction made outside the XXXX XXXX, such as XXXX XXXX and XXXX XXXX, were not me or others with my permission. Also, I was within the XXXX area, so every transaction I made was inside the XXXX of XXXX XXXX ( such as XXXX, XXXX XXXX and XXXX was used by me ). I filed my claim to Wells Fargo, and they gave me a temporarily credit of {$3400.00} on XXXX XXXX, 2015. But, I just received a mail saying that my claim is closed and they deducted the temporarily credit of {$3400.00} from my account. On the letter, it said, they have completed their research of my inquiry about charges to my account. Based on the information available to them ( Wells Fargo ), they found the charges were made by me or someone who had my permission. I do n't know what exactly happened because I had my card with me, and the only people who knows my pin number is my wife and I. But my wife is always with me 24hours a day, and she was with me on that day too. Also, it 's funny because I have never been to XXXX, XXXX, XXXX XXXX, XXXX 's, XXXX XXXX or XXXX XXXX before. How can I make a transaction in a place I have never been to? Please help me find my money back. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a bankruptcy letters to the courts asking for verification. I wrote a letter to the court and got a response on XX/XX/2021 stating they do not report information to CB. However I sent a copy of the letter the letter to Experian along with items to disputes on letter that attached on XX/XX/2021. No items was removed, no information from Experian was received to me. It's been over 30 days.
Product: Mortgage

The company that is servicing my mortgage is relentless with offers to refinance at shorter terms or for cashout. The ads are on paper, including details ( such as my address, part of my account number, my outstanding mortgage balance, link to a personalized web site ) that makes it imperative that I dispose of the document carefully. It 's a nuisance, and a possible vector for identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

bankruptcy being reported on credit report, I asked Experian and XXXX  to verify how they obtained this information since the Wisconsin bankruptcy court does not provide court cases to 3rd parties, I do had that in writing. I then contacted pacer since it was a public record and pacer does not provide this information to credit reporting agencies. XXXX  and Experian stated that XXXX XXXX provided them with this information I contacted XXXX  XXXX and the rep told me that XXXX XXXX  does not share information with credit bureaus only insurance companies, but refused to provide me that information in writing, Their calls are recorded. I was not disputing the bankruptcy only that is should not be report to ANY credit bureaus and needed to be removed ASAP. at this point i am ready to take legal action against these companies for not providing me a proper means of verifying this information, who or how it got on my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXAccount # XXXX Balance {$610.00} XXXX XXXX XXXX XXXX Account # XXXX Balance {$72.00} In accordance with the Fair Credit Reporting act XX/XX/XXXX Account # 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
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist ( please remove this account before I see litigation for defamation of character ) XXXX XXXX balance {$21000.00}, XXXX  balance {$13000.00}, XXXX balance {$0.00}, XXXX XXXX balance {$0.00}, XXXX XXXX XXXX {$3700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX today around XXXX and spoke to a gentleman. I advised that I was a victim of Transunions Inquiriy Issue and I needed specific inquiries removed. The inquiries I advised need to be moved are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had a few charges from XXXX on my ATM and Etrade put a block on my checking account. I called them to let them know that I made those charges and that they were not fraudulent after I received an email that my account had been blocked. I have spent literally XXXX hours on the phone with them today and they never resolve my problem. When I asked for the account to be closed, once they said it couldn't be closed at this time ad XXXX other times they just hung up on me. I have literally waited on hold for an hour at a time, without any resolution. I have asked to speak with a supervisor numerous times and none was provided. They are sitting on my {$8000.00} without me having any access to my funds or without any resolution. I have done business with Etrade, for XXXX years.
Product: Credit reporting 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 : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open this account ; someone using my information opened the account. I tried to contact XXXX XXXX, but they don't list their contact information. I have disputed this with Experian, and they tried to tell Experian they confirmed it was me. I know for a fact they never reached out to me personally.