23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Recently I contacted a Kohls representative for the balance due on my account so I could pay it off in full and close the account. I paid the total amount due that I was quoted and consequently closed the account. Kohls partial account number XXXX - is now incorrectly reporting late payments on my credit report for XXXX, XXXX of 30 days late and XXXX, XXXX of 60 days late. Kohls is reporting a current balance of {$2.00}. ( Please see the attached pages from my credit report. ) I had no idea that there was any remaining balance, nor should there have been, since I paid the total amount owed and closed this account. The late payment history has recently appeared on my credit report. I called Kohls and asked the representative I spoke with to please resolve their accounting error and to also request they contact XXXX  ; XXXX and XXXX to correct the reporting error. I have not been able to make any progress. I originally opened this account in XXXX and have had a stellar payment history. I request that Kohls report a {$0.00} balance and {$0.00} past due on this line item. There should not be any balance due on this account. This incorrect reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding the Equifax security breach, I checked my information at XXXX which resulted in a positive response - my information may have been impacted. This company has mishandled my information, which puts me and  millions of other people at risk. Placing a freeze on my credit should be free and should not require a police report. Prevention over reaction is a much better approach to this type of sensitive information.
Product: Credit reporting or other personal consumer reports

My social security numbers and identity have been leaked 8 times this year
Product: Debt collection

I received a call from a private number and a man by the name of XXXX XXXX left a message saying that he had my social and that he would be delivering me some type of mail on Wednesday. He said he had confirmation that I would be free all day Wednesday to receive the mail, which is untrue because I work full-time Monday-Friday. He left a reference number and number to call back, XXXX. So I called the number back and XXXX XXXX answered and took my reference number. He said that XXXX XXXX was the courier. He went on to explain that he is trying to collect a debt from 2013 and that what XXXX would be delivering would be their efforts to take some sort of legal action against me. I asked how much I owed and he told me. Then he said that there was still time to resolve the issues without taking any legal measures. I told him that of course I would want to keep it out of the courts and that I could make a payment XX/XX/XXXX, he said no that is not acceptable. I explained that right now I do n't have any expendable income and he said " Well we are all living paycheck to paycheck ''. He kept using my name in a derogatory manner. I just did not like how he was speaking to me. So I hung up the phone on him. Then I decided to call back to get the name of the company and when I called back he kept using my name to let me know that he knew who I was. I told him that I was happy that he had caller ID and I hung up.
Product: Student loan

I spoke to XXXX ( employee ID XXXX ) FedLoan on XX/XX/2019 about the fact that my XX/XX/2019 autopay payment did not process as it was the weekend. The meno on the website specifically says If your due date fell on a non-banking day ( weekend or holiday ), it may have caused your account to show 1-5 days delinquent until your payment processes. If this did occur, your payment will be extracted on the next business day and will have no negative impact on your account or credit reporting. My understanding from this statement is that the payment should have been extracted on XX/XX/2019 as that was the next business day after XX/XX/XXXX. XXXX told me that it could really take up until XXXX XX/XX/2019, which directly contradicts the statement posted on the website ( see attached screenshot ). In reality, payment was not extracted until XX/XX/XXXX. Information provided by the website and XXXX contradict each other and FedLoan is the only company I have ever dealt with that causes a weekend payment to become delinquent. This should be unacceptable.
Product: Debt collection

I was initially unaware of this debt existence until I decided to take actions to improve my score to get my dream home. I then disputed the amount of the {$230.00} of utilities for I was unaware of this charge. I was not given any information nor proof on how they proved that the debt was mine. It was just placed on my credit as an open account, hindering my score as it is considered a delinquency. I didn't know that it was still lingering in my account until yesterday. According to my report, it was opened XXXX
Product: Checking or savings account

My Citi bank checking account got closed on XX/XX/XXXX. And Citi bank agent told me that the funds total {$32000.00} in my account would mail to me within 7-10 business days after XX/XX/XXXX. Today it's XX/XX/XXXX, I didn't receive any funds/checks from Citi bank . I called them at least 50 times in these 2 months. The agents told me that check was sent then requested another check twice for me and asked me to wait for the 7-10 days, just keep waiting for it. I asked for the tracking number and they never gave me. So Citi bank is playing the game and won't send me the funds. It's nonreasonable. I complanited to them so many times and they didn't do any further action.
Product: Debt collection

This account is not mine. Tried calling the original creditor, no information provided.
Product: Credit reporting

I had disputed XXXX in XXXX 2014 and they proceed to delete due to inaccurate information and improper reporting. Yet recently i have found the account on my file again. this account is outdated, inaccurate, contains incorrect dates and status ' and is not reporting correct payment history. It has no place being on my file if they refuse to conduct a proper investigation to correct it. I asked the reporting agency for proof of investigation and their results and paperwork regarding how they verified it and let the account remain on my report yet i have received nothing till this day. I am skeptical and certain that absolutely NO investigation was done to verify the derogatory item. They must remove it if they can not honor my request to correct the accounts information and show me how they verified them and allowed this to be reported to my file. You can not delete something and place it back to my file months later. That is suspicious and sneaky
Product: Credit reporting

I faxed the following to Sears : XXXX, California XXXX Mailing Address : Removed URGET FAX TRNSMITTAL, XXXX Monday, XX/XX/XXXX RE : Update Credit/Remove Late Payments To whom it may concern, On XX/XX/XXXX I learned of Sears/CBNA late payment data on my credit report for XX/XX/XXXX, specifically the months of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 

Per phone conversation on XX/XX/XXXX with Sears/CBNA Supervisor XXXX Team # XXXX the " Clerk '' at the retail location entered the wrong mailing/billing address, therefore I never received a bill. Seems the amount was approximately {$30.00} and " written off '', per XXXX. 

The partial account information I have is partial-XXXX, ending in XXXX. 

Please immediately Update My Credit/Remove Late Payments. We are in the process of a obtaining a Mortgage and this false derogatory information is affecting all my credit scores. 

Please confirm receipt of this FAX and provide your evidence of correction to all XXXX credit bureaus to the above address. CALL MY CELL ( ABOVE ) WITH ANY QUESTIONS. 


Sincerely, XXXX 31 Year Sears Customer After Sears confirmed by phone on several occasions the derog info should not appear, a Sears letter dated XX/XX/XXXX states, " Our records indicate that the information appearing on your credit report is correct. '' CFPB, It is not correct. 
Sincerely XXXX
Product: Checking or savings account

I called Wells Fargo several times before closing my account to make sure I would receive no penalties and could close my account at {$0.00}. Several months after I thought I closed the account I get an email notification saying my address has been updated. How can my address be updated when I don't have an account with this company? I tried to log in online and investigate but they won't let me log in. It says I'm not enrolled in online banking. So you're changing my billing address without letting me see the account. I want nothing to do with Wells Fargo and want a regulatory complaint that they are still up to the same old bad practices
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Received a third call today and my husband received a call stating $ XXXX is owed to US Bank and that I would be served if I did not pay within 5 days. I have never had an account with US Bank, and US Bank has verified such. The contact info was given as : XXXX and/or XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX. A new screenshot of the voicemail message from today has been added to the email received last week and is attached below.
Product: Mortgage

Nationstar Mortgage , LLC refused to provide me with my Promissory Note and more importantly refused to provide me with the name of my mortgage company in spite of my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$1700.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$890.00} XXXX XXXX XXXX XXXX XXXX : {$9200.00} XXXX XXXXXXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$560.00} XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Receivables Performance in XXXX, WA has a " Collection/Chargeoff '' placed on my XXXX  credit report. This is my elderly Fathers account which I have settled for him. I sent proof to the collection company but they refuse to remove the chargeoff placed on my credit report. I have contacted XXXX but they will not remove it without Receivables Performance consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never done any kind of business with this company LVNV FUNDING LLC they have continuously reported false reports on my credit report that I would like to be removed
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I opened an account with XXXX XXXX mortgage and submitted paperwork that I earn money and that I dont have monthly only taking out as I can and I made my payments and then I was late I spoke to them and tried making partial payment and they did not let me so I had to wait till I can make the payment and it became even latter and now they have on my report that I was XXXX XXXX  days late which is not true and as I am looking they still have not posted it and or removed the late as I was promised
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX Account Number : CAPIT-XXXXXXXX XXXX CAPITAL ONE BANK USA N A Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus show that I have paid this loan late 6 times or more 30 days late or more. I have never paid this car loan 30 days late ( or longer ). I have called multiple times about my payments because I fell behind due to household expenses, but always paid before the 30 days. I was assured multiple times, by multiple reps in the call center, that since I was making the payment that day it would not be considered late. Go back and listen to the calls where your agents are telling their customers as long as you make the payments before 30 days it won't be reported late on your credit report. Again, I have never made payments 30 days late. It may have been day 28, but the call center said that was fine and would not be reported as late to the credit bureau.
Product: Credit reporting or other personal consumer reports

This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : XXXX XXXX Bankruptcy Reference # : XXXX. The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 15 USC 1681
Product: Credit reporting or other personal consumer reports

Account XXXX : XXXX Account # : XXXX This account has been furnished on my credit report without my permission. I recently wrote a complaint and they simply updated their remarks saying consumer disagrees. I have not given you written permission to put anything on my credit profile which violates 15 USC 1681b2. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX it has come to my attention that you illegally reported my information to unaffiliated XXXX parties without giving me my disclosures. Pursuant to 15 USC 6802 you are required by law to give me 3 disclosures. I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Delete this account immediately. 

XXXX does not have to my permission to post on my consumer report. They are also violating their own contractual agreements as shown in the attachments below.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX was never late XXXX I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 60 days 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 XXXX  days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Never Sent the XXXX statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  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 XXXX
Product: Mortgage

It has come to my attention that FAIRWAY INDEPENDENT MORTGAGE COMPANY  has stopped paying the insurance on my home. I have been told by my insurance company that I have 20 days to pay insurance on my home or my XXXX XXXX XXXX XXXX XXXX would be cancelled. The insurance has not been paid for two months now. 

To my knowledge, there is an insurance agreement on every mortgage secured by the United States incase of default on the loan ( 7 CFR 1901.508ii ). The note given to FAIRWAY INDEPENDENT MORTGAGE upon closing of the home was to insure the security of the property. I do not believe the mortgage has fulfilled their obligations to the consumer. 31 U.S. Code 5118 - Gold clauses and consent to sue, specifically says that the note given was to be exchanged dollar for dollar payable in United States money. Which the company is to receive at the Treasury. I am unsure of what actions were taken and I request full account of the Principals account. 

There is an escrow account. Created in the name of the consumer, XXXX XXXX XXXX XXXX. I know there is an escrow account because my insurance company has sent me an email, explaining to me that FAIRWAY MORTGAGE COMPANY escrows my premium. This is my second attempt to reach the company. Providing them with Delegation of Performance ; Assignment of Rights through the law of agency. As the owner of loan/account XXXX, I demand the release of my note and all interest incurred. 

As the Principal, surety, creditor, and owner of that account, I have demanded that FAIRWAY INDEPENDENT MORTGAGE release the escrow account to me. I have given notice to the company and this CFPB complaint is to insure that the company receives this notice. I have had prior dealings with this company and this is the only way it seems to get a response.
Product: Mortgage

My home loan was sold to Carrington Mortgage Services in XX/XX/2021 from XXXX XXXX. I have not missed any payments or deferred any payments. Carrington has recently started reporting to the credit bureau that my payments are late. I have asked for a copy of my contract with them as I do not recall signing one and for an explanation for the late reporting. My payment history with Carrington does not show any late charges or late payments however it's reporting as late to the bureaus which is causing me issues with refinancing and lowering my credit scores. I have attached my payment history. This is VA loan.
Product: Money transfer, virtual currency, or money service

Hi there, My name is XXXX XXXX I used Taptap to send {$120.00} to XXXX on XX/XX/2023. After 2 days of sending the Money the recipient was there to pick up the money Bank told the recipient money is not available to the bank yet. So, I called Taptap customer service to cancel the order and refund me back they told me they told me they cancelled the transaction and will refund me within 10 business days now its more than a month still didnt receive anything or confirmation email. I called them several of times they kept telling me they are working on this. Pl I request your help on this matter. I appreciate you so much. Thank you! 
I attached some pictures please check XXXX XXXX
Product: Debt collection

I got a voice email stating my warrant number and who to contact to fix it. I sent it to my lawyer and a friends lawyer and checked the texas data base to see if true which it was all a scam or false information.
Product: Credit reporting or other personal consumer reports

I checked my credit report & I found that I had XXXX unauthorized inquries on my report, one from XXXX, one from XXXX bank, and the last one being from TD bank, I never made nor authorized any of these inquries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on the paid off account listed above. please show me documentation showing proof of transaction, showing I was ever late, to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from my credit report. The FCRA allows 30 days for this to be rectified.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 XXXXXX/XX/XXXX