23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my XX/XX/2022 installment payment in XXXX but I paid after my grace period which I got a XXXX late charge. When I made my payment I was told the late charge would be waived. Just recently I got an alert that I was reported 30 days late for a XXXX late charge is that even legal to report me delinquent for a late charge they offered to waive? I want to know why this happened and all calls are recorded so I would like them to pull the recording on why the agent neglected to tell me I was going to be reported late for a late charge they offered to waive
Product: Checking or savings account

I wrote a letter to FDIC which was forwarded to your Bureau. I was promised that you would let me know the companies response but you failed to do this. I called someone in your Bureau who told me she would sent me a hard copy of the companies response but it never arrived. Further you closed my Complaint file without ever responding to my request for the companies response. So far there is no resolution to this complaint.
Product: Student loan

I have a loan with NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and NAVIENT with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX.
Product: Credit reporting 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. 
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 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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by   XXXX   that NationStar Mort gage LLC reported that I was 30 days delinquent on my mortgage payment in XX/XX/XXXX  and 60 days late in  XX/XX/XXXX . My full mortgage payment was made in  XX/XX/XXXX , then a partial payment of {$1000.00} in  XX/XX/XXXX , then the full amount owed in  XX/XX/XXXX . A list of dates and payments to NationStar Mortgage LLC are be low : XX/XX/XXXX   {$2400.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$1000.00}  XX/XX/XXXX  {$6000.00}  XX/XX/XXXX  {$2600.00}  XX/XX/XXXX  {$2300.00}  XX/XX/XXXX   {$2300.00} I understand th at they may report that I was 30 days late in  XX/XX/XXXX , but not 60 days late. I have tried to resolve this with NationStar Mortgage LLC but have not received a res ponse. The timeline is below  : XX/XX/XXXX  - Called   NationStar - A co mplaint was filed with the  Research Dept by NationStar, loan payment history received from   XXXX   XXXX   ( Customer Service Admin   Support ) at  Nationstar  XX/XX/XXXX  - F ollowup email to  XXXX   XXXX   ( C ustomer Service Admin Support ) at  Nationstar w ith my payment history from the bank - No response   XX/XX/XXXX  - F ollowup email sent to  Research Dept a nd  XXXX   XXXX   ( C ustomer Service Admin Support ) at  Nationstar requesting status update - No response XX/XX/XXXX - Followup email sent to Research Dept a nd  XXXX   XXXX   ( Customer Service Admin Support ) at Nationstar requesting status update - No response
Product: Credit reporting, credit repair services, or other personal consumer reports

American Honda Finance Corp is placing multiple late payments on my credit reports after several phone call attempts to make payment arrangements and payments on time. The inaccurate information is hurting my credit and ability to apply for credit. I have tried to repeatedly contact American Honda Finance and all 3 credit bureaus about the inaccurate payment history on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Company Inquiries : 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'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected or deleted. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$280.00} XXXX XXXX XXXX XXXXBalance : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Account has been reporting inaccurately for years. I disputed with the Credit Reporting agencies and the XXXX and XXXX continue to violate my rights. 
Per the dispute results that I received on XX/XX/XXXX. XXXX stated that the company certified the account to be accurate. 
Balance showing of {$2000.00}, but the account is reporting as charged off. Inaccurate reporting for 49 months which is a violation of the FCRA. Balance should be XXXX On XX/XX/XXXX XXXX reported my balance as over the limit? The account should not report a balance as has been charged off- proof attached Payment history is incomplete and inaccurate. 6 months of payment history missing from XXXX of XXXX XXXX of XXXX. Payment history makes up 35 % of my credit score Account showing ND for 1 month XXXX has been inaccurately reporting, in addition, I asked for the 1099 as the account was charged off due to my financial hardship XXXX refuses to comply. 
I filed a complaint with OCC and XXXX.
Product: Credit reporting or other personal consumer reports

I received my dispute results from Transunion on XX/XX/year> and noticed the account XXXX XXXX XXXX XXXX # XXXX was not deleted. On XXXX XXXX I was notified through multiple Credit monitoring services that the account was no longer listed on my credit file and was deleted. Transunion failed to notify me within 5 days that the account was reinserted in my credit file. They also failed to prevent the reappearance of this unverified and inaccurate account information. They have officially violated 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agencyshall 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 agencyshall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 
( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on theconsumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). I have proof of the credit monitoring services saying that this account was in fact deleted before it reappeared.
Product: Credit card

I closed my account in XX/XX/2023. I payed everything in full as stated in the statement balance XXXX XXXX XXXX  and XXXX. Then in XX/XX/2023 I was charged an interest charge of XXXX XXXX XXXX and XXXX  and also charged a late fee of XXXX XXXX  in XXXX. I called and asked why?? I let them know that I have never had this problem before. They can go back and check my account ; I have excellent payment status. I am being XXXX! nothing was done. They said it could not be fixed and that I had to pay regardless!
Product: Credit card or prepaid card

I am not able to get into my online account for Direct Express. When I call the number on the back of my card I am asked to enter my PIN number. I don't enter my PIN number i am hung up on. I can only hear XXXX transactions on the phone. I have to wait on hold for XXXX to XXXX mins to speak with someone. My card does not work at the gas pump. I get charged for purchases I did not receive. I am not refunded and I can't get any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX reported a credit inquiries for - M & T BANK I DO NOT HAVE ACCOUNTS WITH THIS BANK.
Product: Vehicle loan or lease

I gave permission to XXXX XXXX XXXX to run my credit for a car loan, I did not and was not told my credit would be ran XXXX times on XXXX XXXX and XXXX times on XXXX. I was under the impression they run your credit XXXX time and use that report with potential lenders. I was not made aware my credit would be ran and hit my credit report that many times!
Product: Credit reporting or other personal consumer reports

I filed a complaint with Equifax regarding XXXX XXXX XXXX. ** ( CFPB file number XXXX ) The results I received were that XXXX XXXX XXXX XXXX not currently reporting on my credit profile. That information is inaccurate because they recently just reported information on XX/XX/year>, and that's also after a cease-and-desist letter until the debt has been validated sent to XXXX XXXX XXXX from myself XXXX It also has been over the allotted XXXX days required for a response to the debt validation letter sent to XXXX XXXX XXXX XXXXFair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) If a consumer disputes a debt in writing within XXXX  days, the collector must stop all collection efforts ( including reporting to credit bureaus ) until they provide proper verification. 
If they report the debt without verifying it first, they have violated this section of the FDCPA.
Product: Credit reporting or other personal consumer reports

Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry. 
XXXX XXXX XXXX XXXX XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX co Date of XXXX Delete!! 


Unathorized inquiry XXXX of Bro Date of XXXX Unathorized inquiry XXXX XXXX XXXX XXXX XXXX Delete!! 


Unathorized inquiry XXXX XXXX Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Dealer Date of XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Date of XXXX Delete!! 


i noticed this issue in XXXX correct information needs to be removed : XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX AV # XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX UNDER XXXX XXXX XXXX THIS LATE PAYMENT ENTRY IS A VIOLATION. I HAVE BEEN INCORRECTLY BILLED. 
XXXX XXXX XXXX  Account XXXX please update the status of this account to " paid on time ''. 


Under XXXX XXXX XXXX this late payment entry is a violation.I have been incorrectly billed. 
XXXX  Account XXXX Please update the status of this account to " paid on time ''. 


Under XXXX XXXX XXXX this late payment entry is a violation.I have been incorrectly XXXX 
Account XXXX Please update the status of this account to " paid on time '' XXXX XXXX XXXX XXXX this XXXX payment entry is a violation. I have been incorrectly billed. 
XXXX Account XXXX Please update the status of this account to " paid on time '' XXXX XXXX XXXX XXXX this late payment XXXX is a violation. I Have been incorrectly billed. 
XXXX Account XXXX Please update the status of this account to " to paid '' XXXX XXXX this late payment entry XXXX a violation.I have been incorrectly billed. 
XXXX Account XXXX Please update the status of this account to " paid time '' This account needs to be validated. 
XXXX XXXX Account XXXX This account needs to be validated. 
XXXX XXXX Account XXXX This account needs to be validated. 
XXXX XXXX Account XXXX This account needs to be validated XXXX  Account XXXX This Account needs to be valited XXXX, XXXX Account XXXX This account needs to be XXXX XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

Formal Dispute of Inaccurate Reporting XXXX XXXX XXXX ( # XXXX ) To Whom It May Concern, I am formally disputing the reporting of the XXXX XXXX XXXX account ( # XXXX ) on my credit report. Upon reviewing my report, I found inaccurate and inconsistent payment reporting that violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ).

Legal Basis for Dispute FCRA 611 ( 15 U.S.C. 1681i ) Right to Dispute Inaccuracies I request a formal reinvestigation of this account. 
If XXXX XXXX XXXX can not provide verifiable proof of accurate reporting, this item must be deleted from my report. 
FCRA 609 ( 15 U.S.C. 1681g ) Right to Verification I demand the following documents : A complete payment history with dates and amounts. 
Original creditor agreements proving I am liable for this debt. 
Documentation justifying the reported late payments. 
FCRA 623 ( 15 U.S.C. 1681s-2 ) Duty of Furnishers to Report Accurate Information XXXX XXXX XXXX is legally required to ensure the accuracy of the information reported to credit bureaus. 
If they can not validate these late payments with proper documentation, they must remove them immediately. 
FDCPA 807 ( 15 U.S.C. 1692e ) Prohibition of False or Misleading Representations If this account is reported inaccurately or misleadingly, it may be a violation of federal law, subjecting the furnisher to legal consequences. 
Requested Action Correct or remove any inaccurate late payment history. 
Provide a full verification of the accounts reporting accuracy. 
Respond within 30 days as required under the FCRA.
Product: Money transfer, virtual currency, or money service

I purchased something from someone on using Zelle, but they turned about to be a scammer and refused to send money back
Product: Payday loan, title loan, or personal loan

This account with AFFILIATED with account number XXXX, has been paid as agreed, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX Bureau and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
Product: Checking or savings account

On XX/XX/ I submitted an online bill payment to XXXX XXXX XXXX XXXX in the amount of {$400.00} from my Navy Federal account, just I had done many time previously. I selected their Rush Delivery option since I was a few days away from my due date. 
After few days, I was contacted by XXXX and they informed me that they had not received my payment. I immediately followed up with NFCU and was told that they would investigate, since from their end, the payment was showing that it was sent. 
My first contact with NFCU was on XX/XX/ through their online message center. I have since spoken with them by phone on 7-8 occasions and once in person at the branch, in addition to numerous communication via the online message center. 
I have been referred to XXXX XXXX, have been told to contact XXXX  and ask to be patient, all of which I have done. XXXX stated they have no record of the payment being processed, although past payments have made it successfully. 
In ever case where I spoke with NFCU I was told that they would contact me in XXXX hours and to date I have not received one phone  call from them, I have had to initiate every communication. 
My last conversation with them was yesterday afternoon, XX/XX/XXXX and was once again told that the issue was being escalated and they would contact me when there was a resolution. I told them that I wanted a phone call before the end of the day and the money deposited back to my account, or applied to my car loan at XXXX   before the end of the day. They stated that they would call one way or the other. 
I did not receive a phone call, but instead a generic message in the online message center with the same verbiage as the other 10 messages that have not resulted in any resolution. 
I am requesting that an investigation be opened into the deceptive and illegal practices of NFCU, my money be returned to me ( {$400.00} ) along with {$65.00} in late fees that I have incurred, and the {$5.00} fee that they charged me to send the payment " Rush Delivery ''. 

I would also like to know what remedy I have for the countless hours that I have spent tracking down a what has happened to my money that I entrusted NFCU with, and which I no longer have, nor does my the company that was attempting t pay. 

I can be reached by phone at ( XXXX ) XXXX Email - XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX {$140.00} ATM withdraw no cash dispensed XX/XX/XXXX {$200.00} ATM withdraw ATM jammed didnt dispense cash Both charges were disputed one was issued a provisional credit which was reversed by the financial institute The other was denied multiple times
Product: Debt collection

Diversified Consultants keeps calling & not leaving a message. Number is XXXX. When I called the number back it states it 's a collection agency.
Product: Checking or savings account

While banking at SunTrust bank It is as clear as light when you do business in XXXX  communitys vs other communities you are treated very differently. This time I could not find a notary in XXXX  areas after spending about four hours of driving around. The next business day I found a SunTrust in a XXXX community with a notary, and I went there and was treated like a villain at the XXXX XXXX SunTrust location. The security guard made me feel as those I was doing something wrong for coming in the bank also, they told me my letter was done wrong and I needed to go home and re- type it. ( I was refused serviced ) I went to the white side of town and had it notarized in seconds. I have a mortgage and checking account with this bank. Also, the XXXX XXXX location did not answer the phone until XXXX. You would think they are operating on CP time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not reporting my data accurately with any credit reporting company. XXXX XXXX is unable to access it. XXXX 3 in one can not pull the data as well. I called Equifax and they had me change my password. The representative told me the companies need to call in to Equifax. Of course the companies asked me to call. Please correct this information
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 investigation of disputed on my credit report, leaving inaccurate or verifiable 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 I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Mortgage

We have submitted all of the paperwork required by Flagstar Bank for a short sale. Flagstar repeatedly tells us that they do not have any of the documents. We have proof of the uploaded paperwork. We have met all requirements multiple times and have lost potential buyers for our home.