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 paymen t reported in 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: Mortgage

On XX/XX/XXXX, NewRez purchased a forced place insurance policy for the home collateralizing my mortgage. NewRez had the wrong address in its system for this home, which is amazing considering it's their their collateral for this loan. The address is correct in all the source documents. NewRez just never bothered to read them or double check their data entry,. Although my contact preferences are set to email, NewRez didn't email me, and they mailed their notice about forced place insurance to the wrong address. Consequently, I never received any notices about their intent to purchase forced place insurance because NewRez incorrectly my homeowners insurance had expired. 

A simple review of my file would've determined that forced place insurance wasn't necessary. XXXX, the mortgage servicer that transferred my loan to NewRez, paid to renew my policy in XX/XX/XXXX. I attached a copy of the policy as well as a copy of my XXXX from XXXX showing XXXX paid for an insurance policy in XXXX. 

I began contacting NewRez on XX/XX/XXXX. I've called 4 times enduring long waits while NewRez employees research the file. I've also opened 6 chat sessions, and my insurance agent has called 3 times. I've spoken to XXXX XXXX, XXXX XXXX, XXXX. XXXX, and XXXX XXXX among others. All of the people named have said the forced place insurance is being removed. However, it's XX/XX/XXXX, and the forced place insurance is still in effect. 

Although this can't be substantiated without reviewing company records, it feels like NewRez is pursuing an aggressive strategy of purchasing forced place insurance for loans that don't need it, and hoping borrowers either don't notice or give up after making it difficult to cancel. I strong urge CFPB to investigate NewRez 's use of forced place insurance.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Product: Debt collection

I have a a unverified account from CREDIT MANAGEMENT COMPANY # XXXX. I had previously disputed this account. I have never done business with CREDIT MANAGEMENT COMPANY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that CREDIT MANAGEMENT COMPANY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT MANAGEMENT COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these inquiries. I have included the Identity theft report as well. 

XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX Inquired on XX/XX/2023
Product: Money transfer, virtual currency, or money service

I purchased a Western Union money order in the amount of {$500.00} to pay my credit card. However, months later I learned that the creditor did not receive the money order. Upon the completion of their investigation the creditor never received the money order, nor was it cashed. For the past XXXX years I have been struggling to retrieve my money from Western Union. I spoke with numerous customer service representatives. They requested in writing for refund, sent a letter, no response. Follow-up, stated did not receive letter, sent another letter, no response. Each time I followed-up with the company there were different responses " money amount depreciated, past time for refund, when asked about prior correspondence/communication, " we do not keep records or track of information from phone calls, letters ''. It was explained that the consumer only has XXXX months to obtain a refund. 
CONSUMER BEWARE! The fine print on the receipt of the money order does not state anything about time restraints, depreciation, the consumer would not receive a refund or anything about the companies policies regarding money order refunds. Because, the consumer is not aware, is being deceived, misguided, swindled. Thus, making the company ( Western Union ) dishonest and fraudulent. There should be no confusion or missing disclosures, unexpected fees " depreciation '', otherwise it is fraud, a scam. Consumers have a right to know and made aware of policies which should be stated in the receipt of the money order. 
Without further delay, I humbly request a full refund. Otherwise, Western Union is stealing the consumers money. 
I was referred to CFPB by the XXXX XXXX Consumer Help via email.
Product: Student loan

I attended school online via XXXX University as well as XXXX College from XX/XX/XXXX-XX/XX/XXXX. At the time I was unaware that my high school diploma was from an unaccredited school. I contacted my loan servicer to make arrangements to pay back my loans which are totaled at {$48000.00}. I received a letter from a debt collection agency stating they 'd purchased my loans from the Department of Education. I contacted the Department of Education once again on XX/XX/XXXX to make arrangements to pay back my loans but was redirected to the debt collection agency and no one answered so I left a voicemail. These student loans are updating monthly showing a negative status and impacting my ability to purchase a home and I am unable to contact anyone to make payments or arrangements to bring the loans current. These loans have also affected my ability to gain employment which is kind of contradictory. If I ca n't get another job due to these loans, how am I supposed to pay them back? I 've tried for months to contact someone with no response.
Product: Credit reporting or other personal consumer reports

I filed a dispute on { XXXX FNB OMAHA } ( XXXX, XXXX XXXX XXXX XXXX ) ( XXXX, XXXX XXXX XXXX ) due to incorrect reporting. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting house. XXXX violates incorrect reporting. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( XXXX ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting house. XXXX violates my rights as a consumer, as well as federal laws. 

I would like all reported accounts to be removed corrected immediately!
Product: Student loan

My son XXXX XXXX XXXX since then I have tried diligently to get this resolved get help without any help from the lender. I submitted his death certificate. I asked for help and all they would do is say since I co signed it I would be the one one to pay the full amount. They constantly offered no help no negotiations no options for me. I co signed his private student loans. They say I owe it all. I have paid diligently since then I work two jobs to keep up but no one will negotiate with me to apply for discharge of the loans or even negotiate with me about this. I am bearly making it and no one will help me. I have my own student loans n am overwhelmed with my son 's debt n mine. Everywhere I turn they all say there is nothing they will do about getting his loans discharged forgiven or even negotiated. Every time I call for help. They say there is no help. There is laws per my senator they have to follow. I have paid diligently on my son 's and my loans. Yet they still won't work w me. It's bad enough to be without my son since XXXX. But each month I send a large check to them for my son 's loans wishing he were alive to use his college education. I'd pay all the money in the world to have him back. They are a very large corporation with millions of dollars. Where is their heart in this? I'm not a slacker. I've kept up my side of this paying monthly. I hope for someone at navient to never go through what I have losing a child. But even worse having to write a check out each month for the past 13 years on your XXXX XXXX XXXX student loan. N bearly getting by to do it. Per records I have .It says with what I pay now I won't have it paid off till XXXX. That is awful. I have reached out to my senator governor and news media about this. I pray we can resolve this. My son would not want me to XXXX this way.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit. Also there is a address listed on my credit report that doesn't belong to me as well as employment.
Product: Credit card

XXXX was a previous request for the UNAUTHORIZED INQUIRY on my report and was removed and NOW, they are showing UP again on my REPORT!!! Capital ONE XXXX is an UNAUTHORIZED INQUIRY. REMOVE IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating this disputes under MY NAME. This item is UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. This is mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX are inaccurately reporting the account XXXX XXXX. The account has several inconsistencies that means this account could not have been verified or validated because it can not have different information for one account. 

High Balance : {$360.00} {$0.00} {$160.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Creditor Type : Bank Credit Cards Credit Card - Finance Company National Credit Card Companies Creditor Remarks Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor Charged o '' account Accounts closed by credit grantor Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Limit {$200.00} {$200.00} {$0.00} Furthermore any account charged off with a balance belongs to the consumer so this account can not report as a collection/charge off because anything over {$1.00} should be refunded to me. 

XXXX Treatment of credit balances ; account termination. 
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
Product: Student loan

My loans were discharge and I should be getting a refund. I would like to know the amount of the refund, and when I can expect to receive the refund
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian after I purchased a credit report from Experian on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Accounts : XXXX XXXX, XXXX XXXX XXXXon my credit report which are UNKNOWN to me. This is disappointing because I have been paying Experian to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Bank statement drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts are inadvertently resulting in me being extorted.
Product: Checking or savings account

On XX/XX/XXXX and XXXX I was the victim of someone impersonating a tattoo artist that somehow found my personal email and conned me into sending them roughly {$3700.00}. I admit that was my fault but I have paid many artists over XXXX  and have never seen such a complex crime such as this. While I admit my fault in doing this I called XXXX to see if anything could be done. They stated that my bank would need to initiate a chargeback to get the ball rolling. At this point I knew my money was lost and I just wanted this account banned so that more people wouldnt get swindled. I called Key Bank and they assured me that they would look into this issue and be in contact with XXXX. A few days later I called XXXX and they told me Key Bank hadnt contacted them yet. I call Key Bank and they assured me the chargebacks were happening and that my provisionary credit was on its way. I called both parties a few days later and got the same responses from both parties. Then on XX/XX/year> I was informed both Key Bank and XXXX denied my claim. XXXX said they had to close the case because they never heard from my bank. Key Bank informed me that they never actually initiated the chargeback because they found my claim incredible since the payments went through without issue. I had submitted a police report, an IC3 report, an email, a name, and a phone number and said I could happily submit more evidence which Key Bank assured me they didnt need because this was clearly fraud. Im deeply concerned with Key Bank bold face lying to me and not following through with anything for over 10 days. I have resubmitted more evidence but am shocked at the lack of transparency on Key Banks end. I have tons of examples and screenshots of things as well. Even when I asked what more I could have submitted Key Bank said they arent quite sure why it got denied with such a vague reason which concerned me to no end. All I wanted was for the scammer to have one less avenue for success in swindling people who appreciate the arts and Key Bank decided to make it nearly impossible to do so.
Product: Credit card or prepaid card

On XXXX, Chase suddenly close all my credit cards because I spend over 10k on XXXX XXXX day using my XXXX XXXX signature card. I never have a late payment and my credit score never below XXXX. I called the number on the card. The representative told me they already made the decision and will not take any reconsideration. That's unfair to the customer and bring a lot of trouble to me.
Product: Debt collection

One Main Financial has called my employer, divulging personal information in an attempt to collect a debt
Product: Credit card or prepaid card

To my knowledge, I was never late on my Kohl 's credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX which is not true. I have had this credit card since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am full of mixed emotion. I have been consistently denied for auto loans, mortgage loans and by credit card companies! After being denied a considerable amount of times I decided to review my credit report. The things I came across when viewing the items being reported frustrates me. My credit report is full of errors and accounts that do not belong to me. I have prior experience as an attorney so I am familiar with how laws work. According to FCRA section 609 you are required to provide me with an original application bearing my signature from each creditor reporting negative information on my credit report. If I am not provided this information within 30 days all items are suppose to be removed. I am confident that these items will be removed because the original application bearing my does not exist because these accounts do not belong to me. If needed I will take legal action for the errors. According to 15 U.S. Code 1681 - Congressional findings and statement of purpose the banking system works operates off of credit reporting agencies reporting accurate information. So it is in you best interest to always assure that any information being reported is accurate.
Product: Debt collection

Two collections under LVNV closed and removed debt on my credit report. But they added back on. Than I disputed them again. They removed the debt again. Now they added the debt on to my credit report listed the debt 3 times each debt total 6 times on my XXXX report, and listed back on my XXXX report. This has damaged my credit as to me losing out in moving. I need to move immediately, landlord selling and I cant find a place to move too with my children due to this unlawful and unethical moves from this collection agency. This attempt has destroyed my credit. Please remove all LVNV collections from my account asap. Please. Thank you for your help.