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

I have been trying for years asking Experian and XXXX to delete erroneous and incorrect account information off of my credit report. Currently a company called XXXX XXXX is sitting on my credit report without a account number XXXX XXXX and XXXX XXXX that doesn't even have account numbers are all a part of my identity theft. They have stalled and stalled and ignored my request to delete. I have sent to them multiple times my drivers license and the XXXX Police Report and Federal Trade Commission Affidavit only to have no actions taken. My information was stolen and used and I demand deletion of the incorrect reporting information. My creditworthiness is important to me. 

What Experian and XXXX always does is send communication back saying they can't locate the information that I am requesting stalling and stalling until I give up. 

Experian and XXXX has failed to follow fair credit reporting and ignored my identity theft. 

Shows XXXX XXXX open XX/XX/2015 which is past the Georgia statue of limitations reporting. Please Delete as per Experian has the same error reporting twice.
Product: Money transfer, virtual currency, or money service

Over a year ago, I've upgraded my PayPal account from personal to business. I had to varify my account. I was able to do this due to technical issues. I called Paypal multiple times about this. Eventually, Paypal terminated my account as a result and they refuse to give me my money back.
Product: Mortgage

Good afternoon. 
I have a mortgage loan with Freedom Mortgage and my loan number is : XXXX. I didn't have any escrow with my mortgage when I started my loan as I had over 30 % equity on my property. I always paid tax and insurance for my property. My monthly payment is {$1500.00} and I always paid my payment on time with automatic payment method with my bank. since XX/XX/2023, Freedom Mortgage started withdrawing {$1900.00}. I noticed that in XXXX and called the customer service and they said that they didn't receive my property insurance documents and that's why they added escrow in my account. I uploaded my insurance docs in their message center as they didn't receive my postal mail earlier. I requested them to refund my extra payments they already took and remove escrow from my account. They refused to refund my money and remove the escrow. instead, they kept me waiting for hours on the phone and kept transferring me to different agents. After back and forth with a lot of calls and messages they still refusing to solve the issue. now my XXXX payment is due and they still didn't fix the problem. They sent me a message saying my request to remove escrow has been denied. Later I read all the horrible customers reviews about the company and found that I am not the only victim of their illegal demand. They are still charging me escrow for insurance and I already have insurance for the property. Please help.
Product: Consumer Loan

I have XXXX student loans that I pay through Navient. I went through the online process on navient 's website to consolidate the XXXX loans into XXXX loan. I received notice that the consolidation was approved and had been completed. 

All they did was " consolidate '' XXXX of the loans and raise the interest rate. This loan just had its title changed and I paid slightly more for a short period. 

I have reached out on their website at least twice, maybe up to four times. I have not got any type of response back. 

I recently set up automatic payment, which dropped my rate .25 %. However, this was deduction was taken from the new, slightly higher, rate. 

Please let me know if/what documentation you 'd like me to provide. 

Thanks
Product: Debt collection

An auto accident occurred in XX/XX/XXXX due to negligence from another driver. The driver was insured by XXXX XXXX XXXX who agreed to pay all medical bills. The billing party ( medical company ) did not submit an invoice for payment until XX/XX/XXXX, over 2 years from the date of service. In speaking with the medical company, it was reiterated that all medical bills were to be paid by XXXX XXXX XXXX, who at that point had settled the claim. This medical company submitted all other invoices correctly to the insurance company for reimbursement except this one particular invoice. This bill does not to belong to me and is the responsibility of XXXX XXXX XXXX ; the medical company is to blame for the lack of submitting invoices in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and i seen that there were 4 hard inquiries that are unauthorized account that i am unaware about. 

XXXX XXXX XXXX XXXX XXXX Capital One Bank USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX1 Capital One Bank USA XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION 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. 




DEPT OF EDUCATION/XXXX # XXXX DEPT OF EDUCATION/XXXX # XXXX DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX  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 reporting or other personal consumer reports

Capital One made two unauthorized inquiries on my credit report on XX/XX/XXXX and XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Coinbase Pro disabled my account. Im unable to withdraw my money or trade. I currently have a total of XXXX $ Where {$1000.00} are available in US dollars, and the rest XXXX $ are traded in coins. I have tried contacting support multiple times and I cant get an answer. 

On XX/XX/XXXX I deposited {$1000.00} on my Coinbase pro account and received an email from Coinbase on XX/XX/XXXX saying these funds where available for me to withdraw. Additionally I have another {$400.00} and {$100.00} that they are actually traded but again, the account is disabled and can not do anything with these as well. Ive attached the only response I have received from them. I have also opened different cases all unresolved. Some they claimed it being resolved when not.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 Certified Letter : SENT AND CONFIRM ( 1 ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX letters was sent each to different credit bureaus XXXX, EQUIFAX XXXX XXXX and before send multiple disputesI just received my investigation results. Being waiting for and I saw some accounts were verified. However, how is that possible if the open dates is inaccurate, the date last active is inaccurate and date last report is inaccurate this investigation was executed an very inaccurate way I have a few questions : how do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. One more thing, i was reading the FCRA and noticed you violated these laws as well : This ground for removal ALSO I HAVE ONLY TWO ADDRESS AND ONLY ONE NAME : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) ( Delete this account immediately, unless you want to pay {$1000.00} per violation ) I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


the law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

i haven't given these accounts written permission to furnish these accounts on my credit report. 

XXXX. Account XXXX : XXXX Account XXXX : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation XXXX. Account Name : DEPTEDXXXX  Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. Account Name : DEPTEDXXXX Account Number : XXXX XXXX. Account Name : DEPTXXXX Account Number : XXXX XXXX. Account Name : XXXX Account XXXX : XXXX XXXX. Account Name : XXXX XXXX Account XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX Name : XXXX  Account Number : XXXX XXXX Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX 11.Account Name : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX  ) Account NumberXXXX XXXX. Account Name : XXXX XXXX XXXX Account NumberXXXX
Product: Checking or savings account

XX/XX/XXXX I received an email that my account ending in XXXX had reached or dropped below a XXXX balance. I checked my app and saw a few pending transactions that I did not make. From account ending in XXXX these transactions were not made by me ; XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I checked my other checking account with Wells Fargo ending in XXXX and saw a few more transactions I did not make. 
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  I immediately reached out to WELLS FARGO and was advised that there was nothing they could do at the moment since the transactions were still pending. I waited until the pending charges were no longer pending and filed a dispute for each account on XX/XX/XXXX. The SAME day ( XX/XX/XXXX ) I received an email back from WELLS FARGO stating the claim investigation had been completed for account ending in XXXX and I would receive mail with the decision. I received an email on XX/XX/XXXX that the claim investigation for account ending XXXX had been completed and I would receive mail with the decision. 

I got the mail with the decision for both accounts and was told that I, or someone I gave permission to, made the charges on my account. With what information and resources WELLS FARGO used to come to this conclusion I am not sure. I tried to explain to WELLS FARGO that I physically had my cards with me at the time of the transactions and I am located in a totally different city. I was told that the claim was final and there was no way to appeal the decision. Now my account ending in XXXX is in a negative and I'm out $ XXXX. 

I believe WELLS FARGO did not actively look into my claims and sent automatic responses based on inaccurate information, as a consumer I am disappointed and confused. There is no way I could be in 2 places at one time, I never share my PIN nor card information. I've heard of scammers stripping cards using some type of skimmer on card machines at stores consumers usually shop at. I believe I have been a victim of such and WELLS FARGO does not care.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 I also mailed in a copy of my drivers license, social security card, ftc report for th 10th time. Equifax recieved this information on XXXX usps Tracking Number : XXXX Everytime I send a dispute they keep giving me the run around requesting the same information. 

XXXX XXXX XXXX XXXX  Equifax has failed to send me method of verification. 
Equifax has failed to send me contracts with this company Equifax has failed to tell me when these accounts were open Equifax failed to properly verify these accounts belonged to me before placing these accounts on my report. 
I am uploading my profile directly from Equifax website
Product: Credit reporting or other personal consumer reports

Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming that a late payment has been made on my account. I do not remember ever being ( XXXX, XXXX, XXXX, XXXX, etc. ) late with apayment on this account. 

This is in line with 15USC 1681S-2b, under Responsibilities of furnishers of information to consumer reporting agencies..We insist that if no such documentation canbe provided, the late payment information must be expunged.. 

Please provide statements and records of all payments made and missed since I opened the account. In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

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

I have been trying to fix incorrect information on my Experian report for almost 6 months. I have supplied proof and they still refuse to remove the incorrect reporting on my credit report. I have attached a copy of the cancellation of debt letter from XXXX XXXX that shows debt in the amount of {$28000.00} was cancelled for loan number starting with XXXX. Open date of the loan was XX/XX/2007 for {$25000.00}. Experian is showing the account as a charge-off and that not correct. This account is not charged-off the debt was cancelled and needs to reflect the - $ XXXX- balance and the correct status. I have attached a copy of the notice that was sent to me, in which I also sent to Experian that refuses to investigate the matter. Any assistance would be greatly appreciated.
Product: Checking or savings account

On XX/XX/2023 I transfered XXXX from my XXXX business account to my bank of america account. I then drove to the store which is approximately 1 mile away I got gas and some snacks and stuff it came up to about XXXX  dollars I used my bank of america debit card to pay when I swiped the card it declined I said that's not possible so I tried again same results so I opened the bank of america app and seen a pending transaction for XXXX XXXX dollars from XXXX XXXX. I then transfered the amount needed just to pay for my stuff when I get home I call the bank and explain what had just taking place I filed a dispute they said they would reimburse my money during the dispute process a couple days later I received a phone call from the bank saying they were closing my account I asked why they never gave me a reason they never even told me what was going on with my {$400.00} on this paper the dispute paper that I received in the mail well I dispute of the transaction for {$400.00} at the top they have XXXX I don't know why they have that I was disputing the XXXX transaction that I did not authorize so it's been around three and a half months I keep getting statements in the mail then they call me and tell me that on XX/XX/XXXX they're going to close my account fully out and send me a check for my remaining balance when they told me they were closing my account I switched my direct deposits and everything to another account I never received the check from my money for the {$400.00} I don't even know where the money went I don't know who took the money besides XXXX and so I work hard for my money and I just asking for these people give me my money back you can go and look on the IP addresses or if they did the proper investigation they would see that it I'd had nothing to do with this transaction nor did I authorized nor did I allow anybody to use my PIN number or password or anything like that there ain't no one person on the account and that is me I have not been able to get no resolution with them I've even requested the documents that made them make the determination to deny my claim I have a valid claim and I just asked that I get my {$400.00} back this was a fraudulent transaction and I ask that the person be found and punished.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against TransUnion for their failure to delete inaccurate information from my credit report, as mandated under the Consumer Protection Code, specifically in violation of 15 U.S. CODE 1681e ( b ) and 15 U.S. CODE 1681i ( 5 ). This inaccurate information is negatively affecting my creditworthiness and financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this this Charge off XXXX XXXX XXXX XXXX XXXX for months.XXXX  and XXXX  have Deleted them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Debt collection

Received letter in mail about this debt. Never knew of it never signed up for it. Never received any calls, emails or mail about it until a collection letter. I have never visited this state of lived in this state to have this membership.
Product: Credit reporting or other personal consumer reports

Applied for a credit screening with XXXX XXXX XXXX XXXX ; they used First XXXX. 

The information listed on first advantage is incorrect for XXXX areas one would be a balance on a credit card with XXXX XXXX and also an eviction search through XXXX XXXX XXXX XXXX. 

There is no way to contact this company through any of their phone numbers they send you to a bot service. I need this rectified as I'm trying to purchase a home and their services are in adequate. paragraph the application ID was XXXX. 

The actual issue is not being able to be assessable to their customers and being able to resolve issues promptly thank you for addressing this
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I received a notification that I had a new inquiry on my credit report. I purposely added a fraud alert on all three credit bureaus a few months ago to avoid this from  happening. The credit bureaus are out of control right now and do not care about us consumers. I did not authorize anyone to run my credit for any reason yesterday. The following fraudulent inquiry need to be removed immediately. They are violating my privacy rights by just letting anyone pull my credit. XXXX XXXX XXXX - XXXX/XXXX/2017.
Product: Checking or savings account

Capital One failed to deposit my direct deposit paycheck from my employer today, XX/XX/year>. Capital One has cited technical issues. This may violate the EFTA 's expectation of timely access to funds. Please investigate this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts that are negative and collections on my Equifax credit report. These same accounts were reported to XXXX and XXXX both XXXX   and XXXX completed the investigation of the items disputed and they were removed from my credit reports deleted completely. Equifax however has not deleted them. Has completed the dispute and all is still on there. I can not access Equifax online at all because the information they have for me doesn't match their records. I have sent them a copy of my DL social and utility bill reflecting my current address yet they do not update it. In fact I don't even know what they show for me because I can never pull any info because it is so inaccurate and doesn't not match XXXX or XXXX or any of my actual true current info. I have tried calling them multiple times never can get them to correct anything and who I have spoken to I'm always told about half way thru the call they are sorry to call back later their system is down or some other reason for me to call back and start over again. It's rediculous and alot of creditors unfortunately use Equifax as their basis for awarding credit I have been denied because my score with them is so low compared to the other two plus the information is wrong. They don't even reflect my current good standing open accounts it's rediculous they are even in charge of this and have control over my life when they don't do things correctly or accurately