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

I am writing to dispute the inclusion of this XXXX  on my credit report, as I have a letter from the court confirming it should not be reported. Additionally, an unauthorized third party is involved, which only adds to the seriousness of this situation. I do not consent to any fraud alerts being added to my file. I did not authorize, benefit from, or consent to any of the listed accounts from these companies. Please block and remove them immediately, as I have no knowledge of these accounts due to the XXXX and XXXX data breaches. All matters will be investigated by the CFPB and FTC. According to FCRA 605B, this information must be blocked until the investigation is complete.
Product: Checking or savings account

I WAS INSTRUCTED BY BOA TO GET A CASHIER CHECK FROM XXXX XXXX   ROUTING XXXX ACCOUNT # XXXX SO I COULD COVER CD FROM XXXX XXXX XXXX XXXX AS THE CD WAS REQUEST PAYMENT FROM BOA ROUTING # XXXX ACCOUNT # XXXX BALANCE {$830000.00} AT THE TIME THAT XXXX XXXX XXXX   DEBITED FOR PAYMENT OF CONTRACT OF CD FOR THE AMOUNT OF {$640000.00} REPLY FROM BOA THEY REPLIED THE WAS ACCOUNT WAS NSA EVEN TRIED TO WITHDRAWAL {$1000.00} SEVERAL TIMES THE ANSWER WAS THE SAME SO XXXX XXXX CANCELLED MY CD RATE 2.70 % THEY PROCEED AND THE MADE A NEW CONTRACT FOR 2.60 % IVE TRY TO TAKE CARE OF THIS PROBLEM IT WAS LIKE A CIRCUS THEY KEPT SAYING THAT WAS A MONEY ORDER BUT IT WAS A CASHIER CHECK AS INSTRUCTED TO BY BANK OF BOA. 
XXXX, XXXX CELL -- XXXX XXXX MAIL -- XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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 TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

I have received no information in writing from this business. I logged in to check my credit report on XXXX and noticed a derogatory remark from Nationwide Credit & Co. 

When I attempted to call the number listed at XXXX XXXX XXXX for Nationwide Credit & Co, it is disconnected. I asked XXXX  to verify the debt and they updated the file as from XXXX XXXX, XXXX TX online but provided no other details. I believe this to be a debt I have been paying regularly since XX/XX/2020 without missing a monthly payment, but I never received a letter or bill from the hospital or from Nationwide, nor did I recieve a call. The credit report does not list any payments which I've made since XX/XX/2020 and I have had no attempts to collect from Nationwide or XXXX either. Nationwide Credit is at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX per XXXX.
Product: Credit reporting or other personal consumer reports

I have filed multiple disputes with Equifax regarding inaccurate information on my account. Currently they are showing accounts from Dept. of Ed. With balances at over $ XXXX and $ XXXX. 
I have disputed the same information from my XXXX and XXXX reports and they have removed them. 

The accounts are null and void due to court settlement XXXX XXXX XXXX, which I sent XXXX the complete legal settlement document and information about the landmark case that has canceled the debts of XXXX XXXX borrower victims of predatory lending. Part of the settlement requires the loans be completely removed from my report as if they never existed. 

XXXX has failed to fulfill its obligation to report accurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2021 I called Experian Credit Bureau and finally got through to talk to someone ... extremely time consuming and difficult! After reaching someone I explained to them the problem I have with experian boost and how it's not working properly and ways to solve the problem. The problem is boost allows you to get a credit score boost by paying utility bills on time. Since it's not working properly and I've done everything on my end to resolve the situation if I cancel the boost then my credit score will be affected negatively. And I'd like the option of sending in proof of on time payments but have no way of communicating that to Experian. The fair and just thing to do is let me cancel with out affecting my credit score or let me send in proof of on time payments! I have yet to heard back from them about this. My score with Experian is 50 points less than the other Credit Bureaus! This is unfair and unjust!!!!!!!
Product: Mortgage

On or around XXXX concerning a mortgage with Wells Fargo, I made a payment in the bank and my teller was Virginia, but they said they did not receive it. Wells Fargo made my life a living XXXX for over a year while I was trying to get them to understand. For some reason, they credited my checking account and did not put forth the payment against the mortgage.
Product: Credit reporting or other personal consumer reports

The late payments dont align with my consistent record of paying on time.
Product: Credit card or prepaid card

Summary : Citi closed my account without my permission. All bills are paid on-time. I called on 3 separate occasions after the Citi CSRs break their commitment and failed to follow up and call-back. Day-by-day details below : Friday - XX/XX/XXXX - I called to inquire about my Citi Prestige annual fee, and asked if Citi has any retention offers or willing to waive the annual fee. The CSR responded by saying no such offer is available. I thanked her and mentioned I would like to use up/redeem my Citi Thank You Points online prior to deciding to close the card, and if I decide to close the card, I would call back. 

Sunday - XX/XX/XXXX - I logged in to citi.com, realized my credit card has been closed, and I no longer have access/ability to redeem my Thank You points. I called the 1800 number, however the CSR told me that she would have to pull the call history to prove that the agent had closed my account without my approval. The CSR mentioned she would call me back on XX/XX/XXXX at XXXX XXXX XXXX. 

Wednesday - XX/XX/XXXX - The CSR never called me back, and I called the 1800 number again. I was informed that the call still had not been pulled, and the CSR would call me back on XX/XX/XXXX at XXXX XXXX   XXXX. 

Thursday - XX/XX/XXXX - no call back from the CSR, I called Citi again, was on hold for a good 20 minutes, and again, same explanation as the other CSRs - they need to pull the call record, and they have not been able to do that. This CSR told me the process to pull a call record takes up to 10 business days. I have also asked if there is a way to escalate this issue, and was advised no such option is available.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a request via US mail over 30 days ago not response. Submitted a complaint via CFPB, there was a response but nothing was done to address the inaccuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this items several times. They are unable to provide me with my signature, pay history, and ID that was used. 
This is a collection agency XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I closed my account with understanding I will be in a consumer program. According to 15 usc. 1666 b The Law clearly states A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose, unless they the information in section 1637 b must mail it 21 days before the payment due date I want to request proof that this information was mailed or delivered 21 days before the due date. 15USC 1681 S-2 15 USC 168ii .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a formal dispute along with my identity theft report to Equifax but they refuse to accept it like the other 2 bureaus and continue to report unverifiable and fraudulent information on my credit file. I read bad reviews about them and is aware of the class action lawsuit which proves that they don't follow the law. I'm upset and want them to follow the guidelines under the FCRA. The following account are unverifiable and fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I received a letter from SPS telling me they were increasing my payment by {$260.00} a month. I called and spoke to them and they said the federal government passed a respa law that allowed them to collect 2 months of upfront impounds along with any shortage within a 12 month period. 

I am asking for a copy of the RESPA law that says they can collect 2 months of impounds from me when I have been in the loan for over 20 years. I also want something that shows they can collect funds within a 12 month period. 

I would like a 2 year history from the lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report XXXX XXXX Name incorrect as posted by both of your incapable agencies! I do not have a XXXX [ which has been presented to Experian by an inept CFPB nor am I a XXXX-!
Product: Payday loan, title loan, or personal loan

I took this loan out in 2007. 
They are garnishing my check for interest after XXXX years
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My eligible payments under the PSLF special waiver on MOHELA are incomplete. The following periods are missing : XXXXXXXX  ( 3 months ) XXXXXXXX  ( 7 months ) XXXXXXXX  ( 6 months ) I have already submitted employer certification for these 16 months, however, they are still not reflected as qualifying payments. MOHELA has already processed these forms and applied them to my account for the other periods that are covered. 

These periods should be eligible as I was participating in a Perkins loan cancellation program based on my " XXXX XXXX XXXX XXXX '' service as detailed at https : //studentaid.gov/XXXX. These loans are part of my consolidation loan. The other periods of deferment under this program ( an additional 32 months ) are already showing up as eligible payments. 

I am requesting that these 16 months be added to my eligible payment list and I be given credit for the employment certification that I have already submitted. This should increase my qualifying payments from 105 to 121 and make me eligible for forgiveness.
Product: Credit reporting

I have several accounts on my credit file that are not mine and are a result of identity theft these accounts are ... XXXX bank XXXX and other accts when reviewing my fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and addresses that I have been used fraudulently that need to be removed here are the addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and name aliases that need to be removed here are the aliases XXXX XXXX XXXX, And XXXX XXXX XXXX these accounts addresses and names need to be permanently removed I have sent in copies of a police report # XXXX officer XXXX XXXX badge number XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a Hard Inquiry appeared on my credit from a XXXX XXXXXXXX XXXX ( Hotel and travel ) when I did not apply for any credit line.
Product: Money transfer, virtual currency, or money service

Bank of america said on XX/XX/2023 that my deposite of XXXX $ would have hold placed on it ..they stated in the bank at teller that XXXX $ would be accessable on XX/XX/2023 and rest of XXXX $ would be accessable on XX/XX/2023 but when i checked and asked live chat on my bank app why i cant access my funds they told me now check has hold untill XX/XX/2023 all of it cant be accessed untill then? This check is from a wildfire settlement fund of upwards of XXXX XXXX dollars ... all it takes is 10 minutes by phone to verify my funds..the money is there they r just playing games on me... i need my funds asap i have a kid and we lost all we own in fire we sleep in tent the money needs to be accessable asap so we can get into a house!!
Product: Debt collection

Diversified Consultants has been calling me repeatedly about a debt I do not owe from XXXX XXXX XXXX XXXX. I've only had one account with XXXX XXXX XXXX XXXX which has a {$0.00} balance and is inactive. The equipment was also returned on XX/XX/XXXX. Diversified Consultants opened up a fraudulent account on XX/XX/XXXX indicating {$670.00} was still owed from original creditor XXXX XXXX XXXX XXXX. XXXX   company reported this debt from Diversified Consultants on my FICO credit score report which is when I began to take action. I spoke to XXXX XXXX XXXX who stated that nothing was owed and there were no issues with the closed account. Diversified consultant tried to convince me that I may have a final bill post equipment return which did not make sense since XXXX XXXX XXXX did not show a balance for the account in question. I have disputed with Diversified Consultants but haven't heard back yet. This company should not be allowed to report debts back to FICO scoring companies because their legitimacy has been and continues to be questioned.
Product: Money transfer, virtual currency, or money service

I thought I lost my device so I asked coinbase to temporarily lock my account I found it so I called them back a few hours later to unlock it now they wont answer my emails I cant get threw on the phone anymore its been 3 weeks please help me I have my life savings on there this isnt fair they just ignore me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am mortified. 

My husband lost his job and when I am able to challenge credit reporting practices across all three agencies ; I will take my cause all the way to the supreme court if needed. 

Due to the loss of income my husband provided caused all of our debts to be behind. 

We have moved to a new city and planned to be in our new home by XXXX. 

As we are in the homebuying process to purchase a home in my name only, I can not have any late payments on my credit to delay my home purchase. 

I was devastated to find a late payment on my credit file in which the shock sent me to the hospital the same day. 

I have documented proof of my hospital visit. 

My original due date for my Loan Depot Loan is the XXXX of every month with a fifthteen day grace period. 

Therefore, I have should have 33 days to get the payment in or it's considered late and reported to the bureaus. 

According to my records my payment was made within 30 days. 

I am devastated my home purchase has been delayed due to the terms of my mortgage I can not receive final approval until this late payment is removed from my credit. 

Due to this error I have been forced to lease an apartment until this error is removed. 

Even writing this I feel like I'm about to have a XXXX XXXX. 

Please remove the late payment immediately. 

For the record I intend to take my cause all the way to the supreme court for companies who are receiving interest on a loan or credit should not be able to report to the bureaus for a 30 day late payment and the repayment terms should be renegotiated with the interest paid and the remaining balance. 

It's not fair to hold a person 's credit file hostage for 7 years with a late payment filing especially if a personal or household is experiencing financial hardship for any reason. 

In most cases the original loan amount has already been paid in full ; it's the interest that is carrying a balance. 

Companies need to stop being greedy and offer individuals relief who have paid their company handsomely in interest rates and not a 7 year sentence of injurious nature to a persons credit file adversely affecting their lives for seven long years. 

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

My Equifax Credit Report shows my account with XXXX XXXX being delinquent as recent as XX/XX/XXXX. I had a lease with the company from estimated XX/XX/XXXX timeframe until XX/XX/XXXX when I received orders to deploy overseas. It was a lease vehicle and I turned the vehicle back in. In XXXX/XXXX timeframe, I noticed that my credit score had gone down dramatically. I called XXXX XXXX and they told me that it was a mistake on their end. They received the vehicle and I no longer owed anything on it. The fix could take up to 45 days to be visible on my credit report. I called back again in the XX/XX/XXXX timeframe. We are now in XX/XX/XXXX and the delinquency is still on my credit report. I want it fixed and off my credit report.
Product: Credit card

Comenity Bank a wholly owned company of Bread Financial charged a late fee of {$37.00} in XX/XX/XXXX because I made two ( 2 ) payments on XX/XX/XXXX for the month of XXXX and XXXX for the minimum amount due and did not realize the minimum was increased for XXXX which was printed on the XX/XX/XXXX statement after I made the two ( 2 ) payments for XXXX and XXXX. I contacted comenity ie Bread Financial and requested waiver of the late fee, at which time I was advised on {$15.00} could be removed based on my outstanding payment history. I brought to their attention the CFPB rule that went into effect in XX/XX/XXXX that requires credit card lender with more than XXXX XXXX consumers to lower their late fees from an average of {$32.00} to {$8.00}, and the client services agent advised she was aware of the rule but theyre still working on implementation and adherence to the CFPB Rule implemented over six ( 6 ) months ago. Comenity/Bread Financial serves over XXXX XXXX consumers and should be compliant with the ruling of the CFPB within a reasonable amount of time versus charging consumers a late fee that equates to the consumers minimum payment amount due for the associated month. This is not only deceptive but also abusive. I have worked for the financial industry almost 15 years and anytime there is a CFPB rule change, we immediately jump to action to ensure were in adherence and mitigate borrower harm but a lender that serves over XXXX XXXX consumers and many retail stores seems unable to execute in the same manner.
Product: Student loan

Since XX/XX/XXXX I've been receiving harassing phone calls all throughout the day from Navient regarding loan payments for 2 of my private loans from XX/XX/XXXX I'm currently in XXXX school and notified them of this. They stated I was under Forbearance, but it was running out. But if I paid XXXX dollars over the phone it would bring my account current and I would continue to be in Forbearance till  XX/XX/XXXX. Well They have continued nonstop calling with harassing phone calls since XXXX and asking me to pay another XXXX dollars to for the Forbearance program. Well I contact Navient on several occasions trying to see what program I could get to help me with the 2 private school loans who we're initially through XXXX XXXX, and was told that once I finished school I could have the 2 two loans combined as one, but that never happened. I opt out to borrow XXXX dollars and was told that it had to be taken out in 2 different loans. The loans have blown up to XXXX dollars per Navient. They said I have run out of Forbearance and I asked if I could get help, because i'm not able to make the allotted loan payments. They also charged my account with late fee 's and reported my account to the credit bureau and I filed an complaint and they had to remove the derogatory late payments off my credit. They have since reported that I'm 2 payments late on the loans, even though they told me I'm still under a Forbearance till XX/XX/XXXX. I never received a email or call about the 1st recent missed payment, bit all of a sudden the account is 2 months late. My interest rate is 11 % and XX/XX/XXXX I contacted Navient and asked what other programs am I qualified for since I'm still in school and can not afford the XXXX payment at this time. I was offered a program to decrease the interest rate on the loans and lower the payments from XXXX to XXXX. But was told that the offer was only good for 12 months on the 1 loan and 6 months on the other. And after the time frame, my loans would resume the original amount plus the interest unless I could qualify again. I need help with this issue and finding a resolution before my loans go into default which I don't want that, I want to pay for the student loans. Even though the loans we're taken out under predatory lending practices from XXXX XXXX for XXXX XXXX XXXX which was not a accredited program and was lied to about it.
Product: Credit reporting or other personal consumer reports

I have submitted over XXXX disputes to XXXX on behalf of accounts which I identified as fraudulent on my credit report. I have submitted a FTC report and dispute letter along with identification to XXXX with no response. The first dispute XXXX verified these accounts to be correct I then submitted another dispute requesting for documentation or inquired how did XXXX verify. I have contacted the company in which was connected to XXXXXXXX XXXX XXXXXXXX and I was notified that they had no information in regards to this item being sent to collections or can provide me any documentation in which was used to report to my credit file. I then submitted this information to XXXX and my dispute has been " under investigation '' for over 45 days which legally exceeds tremendous time to verify and investigate based on the FCRA and 15 USC 1681 by law. XXXX must immediately delete these accounts of XXXX XXXX XXXX and XXXX resource management from my credit report as they have failed to investigate in a timely manner. These items are effecting my ability to obtain housing, employment and stability for not only myself but my wife and children. This has caused a major hurdle in my life as I did not obtain these accounts or signed no such contract with either company. I am asking that you investigate and assist me in getting this matter handled as soon as possible.