23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I submitted my payment in full and in a timely manner via check sent through the USPS for the payment period of XXXX of 2023. XXXX is roughly XXXX miles from the processing facility in XXXX XXXX, unless ponies are still the backbone of the USPS mechanism, the envelope should have been received well in advance. Yet, I was charged a late fee of {$25.00}, and interest of {$39.00}, which I dispute. Additionally, I expect on my next bill to see some interest blood money added on. I can not control the mails, but when I drop the payment in the box in a timely fashion I do not think unscrupulous banks should be able to delay reception of on-time payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 know the MAIL-BOX RULE has been upheld in countless cases, yet ignored by the financial system who nickel and dime honest people to death with fees and interest. I want all fees and penalties dropped and whatever sum they tack on next month to be waived in good faith. I'd like also for racism to end and for women have a fair shot in the workplace without having to smile and take it when harassed..
Product: Credit reporting or other personal consumer reports

Formal Dispute Request for Removal of Incorrect Addresses, Names, and Employers I am writing to formally dispute incorrect information on my credit report related to my addresses, names, and employers. I have previously submitted disputes to correct this information, but my requests were ignored, and no action has been taken. As a result of your inaction, I am also filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) to address your failure to comply with the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, you are required to ensure the accuracy of the information you report. The following inaccuracies must be corrected immediately : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Incorrect Employers : XXXX XXXX FCRA Violations and My Rights According to Section 611 of the FCRA, you are required to investigate and resolve disputes within 30 days of receiving notice. If the information can not be verified, it must be corrected or deleted from my report promptly. Your failure to act on my previous disputes is a violation of this federal requirement.

Additionally, Section 607 ( b ) of the FCRA mandates that you maintain reasonable procedures to ensure maximum possible accuracy. The presence of inaccurate addresses, names, and employers reflects a breach of this duty.

Demand for Immediate Action and Penalties I demand that you : Immediately remove all incorrect addresses, names, and employers from my credit report.

Provide written confirmation of these corrections.

Ensure future inaccuracies are promptly addressed and corrected.

Apply all applicable penalties under the FCRA for failing to address these disputes properly and in a timely manner.

If the requested changes are not made within 14 days, I will pursue legal action for non-compliance and further escalate my complaint with the CFPB.

Thank you for your attention to this urgent matter. I expect written confirmation of the corrections within the specified timeframe.

I only have one Correct Address : XXXX XXXX XXXX XXXX XXXX, ohio, XXXX I only have one Correct Spelling of my name when applying for Credit i dont use my middle name : XXXX XXXX I Only have one correct employer : XXXX XXXX XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Public Law 116 - 136 - Coronavirus Aid, Relief, and Economic Security Act '' or the " CARES Act '', you are prohibited from furnishing adverse information during a covered major disaster period. The President has not declared the end of the national emergency, which means this is still in effect. I am requesting that you delete all adverse items of information on my report. More specifically, delete all of the adverse information furnished by XXXX XXXX from my credit file immediately. Per the cares act, no documentation of economic hardship is required. You are in noncompliance of federal law and you are civilly liable to me for XXXX the dollar figure specified under section 813.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is incorrectly reporting a public record bankruptcy on my file. I have asked them to remove it/ i have contacted the court that transunion has on my report and was informed in writing that they do not verify information.. As this can not be verified I need it removed from my file immediately.
Product: Credit reporting or other personal consumer reports

Response ( XX/XX/2024 XXXX PM ) Account Ending In : XXXX Dear XXXX XXXX, Thank you for your correspondence to XXXX XXXX. 

Our records indicate we did not send you a 1099-C form as your account is not eligible to receive one.

Our banking procedures regarding unsecured lines of credit have been designed to accommodate all our customers and protect our business. Please be assured that American Express complies with all regulatory agencies governing our business.

The Cardmember Agreement states that using the Card serves as acceptance of the full terms and are bound to make all payments on time. If you do not make payments on time in accordance with our terms and conditions, the account may be subject to late fees and finance charges being assessed, suspension of charging privileges, a penalty Annual Percentage Rate ( APR ), along with reserving the right to report the account as delinquent to all credit reporting agencies.

We hope this information has been helpful. 


Sincerely, XXXX XXXX American Express XXXX XXXX  Hello XXXX XXXX, It appears that I have one item ( XXXX credit card ( XXXX ) ) on my credit report from your company that have been turned into a charge-off recently. I noticed that your company has never sent me any 1099 concerning the cancellation of the debts Would you be so kind as to send me a 1099 for a Cancellation of Debt of this item, due to my financial hardship. I would greatly appreciate it as Ive gone through a serious financial hardship. And this would greatly help me with my credit in the future.
Product: Debt collection

I had just paid {$1500.00} XX/XX/XXXX, Santander Consumer USA Bank called on XX/XX/XXXX, robocalling me starting all day. When I called back the first service agent said I owed almost {$900.00}. When I asked how this could be when I was told that I was paid through XX/XX/XXXX, had just paid for all tow bills and that the rest of the fees were promised to be waived for me. There was no explanation as to the extra charges other than it was the repossession fees to which I replied, they were already paid and the rest were waived and that I had documentation as to who I spoke with to confirm this. I asked for a supervisor and was put on an indefinite hold. I called back, same scenario. I called back again, asked for a supervisor immediately, it was all one big joke to them apparently, because I could hear people laughing and partying in the background. Put on another hold. I called several times back more with no response whatsoever. The last recorded balance showed {$1200.00} owing, not the original {$800.00}, and not $ XXXX/month for the monthly payment which should not have even been due until XX/XX/XXXX anyway. They continue to call and harrass me starting at XXXX. I have been in the hospital due to this harrassment and it 's affects on my health. I just want it to stop. They have made no attempt to help me clear this debt only to harrass me endlessly calling from different phone numbers, etc.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXXXXXX and i was never late! I have had exceptional payment history with this company 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 XX/XX/2023 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.

This company 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 checked my credit report and was instantly stressed and depressed because I had inaccurate information on my report. My reputation with the banking system has been destroyed simply because these companies are reporting inaccurate information. I don't have contracts with these companies and there are unauthorized inquiries on my account as well. Someone used my personal information without my consent! I've reached out to the credit bureaus over XXXX  days ago and they still haven't responded. I know they have to respond and they need to be help accountable and remove all inaccuracies immediately
Product: Credit reporting or other personal consumer reports

Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low XXXX XXXX due to these errors.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Please remove ASAP
Product: Mortgage

Early month of XXXX, we stepped in the market to refinance our rental property. An offer from Amerisave of 2.7 % Interest rate, 15 Years term, got us interested. On XX/XX/2020 we decided to move forward with Amerisave and formally applied through https : //apply.amerisave.com/login with the assistance of an Amerisave Loan Originator. We complied and submitted to Amerisave all request for meeting, documents and informations. Eventually, at the end of intake, as I reviewed the Loan Estimate and Disclosure, they maid us paid the Appraisal Cost of XXXX XXXX which they said will be returned/creditted back upon closing. 

We received another copy of Disclosure and Loan Estimate on XX/XX/XXXX, same information with the initial Disclosure on XX/XX/XXXX. They also made as signed the rate Lock-In Agreement, which is to protect Applicants for any changes in the market. 

On XX/XX/2020, we received another Disclosure with totally different numbers. The interest rate has gone up to 3.25 %, and so as the loan amount from {$120000.00} to {$120000.00}. Everything gone up. They provided us reasons for the change. One is that the type of property is a condo and, not a townhouse. 

I sent out a letter to Amerisave Loan Originator regarding our concern and request. We hoped to update the loan estimate and, eventually, lower the loan amount, but failed to get a satisfactory response, instead, we were asked to either move on or cancel our application. We decided to cancel. 

We believe and feel, that we have been a victim of Bait and Switch. We could have avoided the cost of Appraisal paid to them, if Amerisave reviewed our applications and disclosure properly. This is unfair to us. After we cancelled, I sent an email to Loan Originator, formally cancelling our application and requested a refund of {$470.00} for the cost of Appraisal. We cited our reasons in the letter.. Likewise, a copy of Letter was uploaded to our online application account on XX/XX/2020. Also emailed XXXX of our concern/complain, and attached a copy of cancellation letter and refund request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly a charge-off in the amount of {$1100.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and this account balance needs to report {$0.00}. I have attached a copy of the settlement agreement dated XX/XX/2019 as proof. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus several times to remove this item however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has reported that this is in the court -court name XXXXXXXX XXXX XXXX Docket number XXXX month filed XX/XX/XXXX XXXX XXXX XXXX Docket number XXXX month filed XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Filed XX/XX/XXXX on XXXX XXXX I went into my bankruptcy lawyer office to have him do a data base search on the company to found out there is nothing in the court system under my name and even in there state there is nothing in court for me or in my state where I live there is nothing the only thing that is Docket number XXXX Court name USBK court Eastern Month Filed XX/XX/XXXX balance XXXX so I need this to be investigated with law enforcement and the fraud department to find the docket number and which the company has listed and filed in court there not judgment or lien found in my court where I live from any of those companies
Product: Student loan

I made arrangements with Navient to bring my account current and into forbearance. I made a payment of {$240.00} on XXXX XXXX and they stated that another payment would not be due until XXXX XXXX. On XXXX XXXX another payment for {$240.00} was taken out and they are saying it was done through the online payment method. I did not log into that account at any time around that date and did not make that payment. They have agreed to refund the payment within 6 to 10 business days but my account is now overdrawn and they do not want to cover the overdraft fees. Not only am I not able to make current bills because that account is overdrawn, when money does go into it there will be several overdraft fees that will take up that money. Not only am I paying over {$200.00} a month in interest and only a little over {$20.00} is coming off of the principal each month, I am now facing more loss of money because of their screw up. I live paycheck to paycheck it 's not like I can just transfer the money over to cover it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out Letter to Remove Inaccurate Credit Information from TransUnion, XXXX and XXXX I received a copy of my credit report and found the following items to be in error below 1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Former : XXXX, XXXX, XXXX 3. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

10. Payments on Time/Never Late XXXX XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

11. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

13. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. The following account is not mine XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

15. The following account is not mine XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

16. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

17. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

& 18. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

I also Attached Letter I sent to TransUnion, XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company Self Lender is reporting that I have a late payment on my account, I have had this account for 20 months and have never missed a payment or made a payment late, My credit reports show that the account was late in XXXX of 2021 and this is inaccurate and must be removed from my credit report. Please correct my credit report with accurate information, if not I need to be provided proof that the payment was made late.
Product: Checking or savings account

I made a deposit with a money order XX/XX/21 into my checking account. I was told that the funds would be available for me to use within one or two business days. I waited XXXX days to use my card with that account and Lord be holds my purchase was declined XX/XX/21. I went inside the bank on XX/XX/21 to sit with a teller to ask questions. I was told that some code, that I am still not sure why was placed on that deposit and I had to now wait XXXX days and that it will be placed on hold before funds are released. I asked the teller to see if there was a reason to this and what I had to do if there was anything required for me to do. What I received was still no one being able to provide to me the reason to why other than to wait XXXX days or who I can communicate with via email or phone. I also informed the teller that I been having issue with my online portal password locking me out when I normally do not use or access the account using any app or online login. I normally go into the bank personally to do business. I also notified them that my pin to my atm card was not allowing me to use the card to run transactions. I went back into the bank talked to a teller in the office and I had the worst customer service experience that no one should have to every endure. I waited contacted the customer service department XXXX phone number spoke with someone who asked me to speak with a different banker to see if they could be of any assistance. Which I did as instructed. I waited for the customer service lady to assist me while I was waiting in the common area to prepare to fill out a withdrawal sip while holding a child in my arm. I was then approached by a police officer. I didn't even have enough time between all of this to properly complete all of my transaction I wanted to do for that day. I was told to leave even though I had other funds to deposit into that account. 

I still do not understand what the issue is all of this has happened I had to go to another banking company and make another deposit using a different money order in the same amount and I didn't have any issue with that bank at all.
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Formal Notice of Adverse Action To : XXXX XXXX XXXX : XXXX XXXX I am writing to formally express my dissatisfaction and disappointment with the recent decision regarding my credit request. Pursuant to my rights under 15 USC 1691 ( a ) ( 3 ), I exercised my right to credit, only to encounter what appears to be discriminatory practices within your system. 

I want to emphasize my concern regarding the use of a credit report from XXXX without my explicit consent. According to federal law, credit is a right under 15 USC 1602 ( f ), not a privilege. However, Sunbits representatives conveyed a denial of my request for an increase in credit as if they were extending me a favor rather than acknowledging my entitlement to credit. 

The denial, especially in the context of a medical emergency, is profoundly impactful. I was preapproved for a {$300.00} credit transaction, but this amount falls significantly short of the medical assistance required for my dental emergency. This discrimination jeopardizes my livelihood and adds undue distress as I am responsible for caring for a newborn. 

During my interactions with two Sunbit representatives, the language used made me feel oppressed and worthless. Their discussions focused on policy and included what appeared to be fabricated stories about their inability to assist in similar situations. I believe these conversations, recorded by Sunbit, will serve as valuable reference points. 

If an increase in credit is not granted, this transaction becomes an unauthorized use of my credit card, as I am receiving no benefit for the intended purpose necessary medical care. I implore you to rectify this issue immediately, considering the urgency of my medical needs and the emotional toll it takes on my ability to care for my child. 

I am XXXX awaiting your prompt response to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX and XX/XX/XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : XXXX
Product: Debt collection

See attachment it is not a signed copy as was faxed back on and about the date on NOTICE!!! XXXX to XXXX, XXXX to XXXX. this title company has defrauded the title by way of signature id theft and let it go through.