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

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX 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 XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I do recognize these lenders and did not authorize them to perform a hard inquiry. 
Please remove them from my credit reports immediately. 

Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have funds deposited into robinhoods XXXX XXXX account. I am have been trying to withdraw the funds for a long time. Robinhood has restricted my account from withdrawing or depositing funds. I provided them with my identification and selfie on their app but still they are not removing my restriction or getting in contact with me.
Product: Mortgage

Date ( s ) of transaction ( s ) : XX/XX/XXXX, XXXX, and XXXX of 2023. 
Disputed amount ( s ) : {$1500.00}, {$1300.00}, {$4100.00}. 

Explanation of complaint : The dollar amounts listed above were removed from my escrow account in addition to my actual property taxes of XXXX. I received multiple email notifications and a statement showing the transactions. I called the company to ask why so many payments were made. That question didn't get answered. Now the company plans to raise my mortgage to more than $ XXXX a month to replenish my escrow account for the amount that was removed. 

Name of person ( s ) contacted at the company regarding the complaint : I spoke with a different representative on each call. 

Date person ( s ) at financial institution was contacted : Contacted the lender XX/XX/XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX, and XX/XX/XXXX. 

Response received from the company : The lender acknowledges that multiple payments left my escrow account, but didn't explain why during any of our phone calls. The company and a company they used to collect mortgage payments both told me to get a refund from my county since they believed the management company sent the payments to the county. I went to the county and received a letter from the county treasurer 's office stating that multiple payments were not received. On another phone call the company representative stated for me to go to the county again, and I requested a contacted to send the letter from the county to. I was told they started an investigation, but I still haven't received any updates. 

I don't currently have any legal action pending, nor do I have any past legal actions against this lender.
Product: Debt collection

On XX/XX/2022, I submitted a letter of Validation to the office of capital one to validate that a debt was mines. I submitted the letter, my social, and drivers licenses to prove my identity. Capital one sent me a letter stating that for them to investigate the dispute I will need to submitted the account number, my social, and a copy of my credit report ( which I don't have to due to privacy ). During the month of XXXX I submitted letters to the bureaus to also investigate this claim and which capital one was able to validate the account, Now that I am asking for proof on how they were able to validate the they want to stall out and not follow the directions I gave them in the letter I send.
Product: Debt collection

have received several phone messages from a phone number starting with area code " XXXX, '' both at my personal cell phone number and at my direct work line. I have not returned any messages as each voicemail was extremely vague and was suspicious. Today I received a memo from a co-worker to return a XXXX XXXX 's call at XXXX XXXX. I returned the call immediately, the phone was answered with the salutation " loss mitigation, '' and I asked for XXXX XXXX. XXXX XXXX came on the line and said he had to " gather some paper work for a complaint lodged against [ me ] '' with claim number XXXX ( I wasn't able to get the rest of the numbers and he did not repeat them when I asked ). He said he was from the legal department of a company called XXXX and wanted to verify my identity, he then proceeded to read out my entire social security number and my address and said " is this you? '' I was completely flabbergasted at this company 's lack of information protection practices and XXXX continued to badger on through the conversation and said " good, this is you. '' He then said they were retained by LoanMe regarding a debt I had and a judgement they wanted to pursue against me. I was not able to get a word in edge wise because XXXX continued to talk over me in an extremely threatening manner, he also mentioned a company called XXXX XXXX which I wrote down but again, he was talking right over me and would not repeat anything I asked him to, so I have no idea what he said regarding that company. I advised XXXX to please have LoanMe proceed with any legal proceedings they deemed necessary and asked to please not be contacted at work. He then proceeded to threaten me and said that my work was already involved because I would be garnished 25 % of my pay, along with several other threatening tactics meant to intimidate. He then terminated the phone call after saying that " If all [ I ] wanted to do is argue, [ I ] could end the call. '' I am extremely disturbed by these collection practices which are so far beyond illegal and would like this to end immediately.
Product: Checking or savings account

I have been trying for several years to open an account with Navy Federal. Every time Im told that it shows that I opened one then nothing else. I have requested management call me, I have tried to prove my identity etc. if Im denied the account then fine but to tell me that I wasnt denied and then nothing else is troubling to me.
Product: Debt collection

A collection appeared on my report on XX/XX/2019, and they are demanding {$5200.00} in which i do not owe. i am not sure where this came from or what this is but it is significantly affecting my reputation. this must be investigated and fixed. there are several other accounts involved also.
Product: Vehicle loan or lease

The bank is reporting one late payment ( XXXX XXXX ) to all three major credit bureaus ; however, I'm trying to verify this information though their website and can not be possible due to the account is payoff/closed. The customer service phone number ( XXXX ) XXXX always has a waiting time of XXXX minutes or more to someone answer the phone and when someone finally answer the phone the response is that I will receive the information through email but I'm still waiting the email.
Product: Credit reporting or other personal consumer reports

Transunion and XXXX Subject : Dispute of Civil Liability for Negligence and Inaccurate Reporting on Credit Report Dear Sir/Madam, I am writing to formally dispute an entry on my credit report related to the civil liability under section 1681O, specifically concerning negligence in reporting accurate information and its negative impact on my credit history. The information reported contains inaccuracies regarding late payments, inquiries, and the resulting credit score, which is significantly damaging to my financial standing. 

The erroneous reporting of these items has caused my credit score to be negatively affected, making it challenging to secure favorable terms on loans, credit cards, and other financial opportunities. I believe this inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must maintain accurate and complete information in consumer reports. 

Specifically, I dispute the following inaccuracies : 1. **Late Payments : ** The record of late payments reported is incorrect. [ Provide details of the specific accounts and dates where the late payment is noted but was either not late or should not be reported. ] 2. **Inquiries : ** There are several unauthorized or outdated credit inquiries on my report. These inquiries were either not initiated by me or are beyond the permissible time frame for reporting. 

3. **Credit Score Inaccuracies : ** The reported credit score is not reflective of my actual credit standing. The discrepancies in reporting late payments and inquiries have directly caused an inflated negative impact on my credit score. 

I request that these errors be thoroughly investigated and corrected as soon as possible. Please provide me with written confirmation of the results of your investigation and a revised copy of my credit report once the necessary amendments have been made. 

In accordance with Section 1681i of the Fair Credit Reporting Act, I expect that you will complete your investigation of this dispute within 30 days. If the inaccuracies are not corrected, I will consider pursuing legal action under section 1681O for civil liability related to the failure to report accurate information. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution. 

Sincerely, XXXX XXXX
Product: Credit card

I am an authorized account holder with XXXX of my Capital One Cards. I have requested on several ocassions that Capital One re-submit my account information to XXXX for some strange reason the account was removed from my credit file. So between Capital One and XXXX that has yet to be done and I am so tired of getting the run arounds about this. This mix up has killed my credit score and it has hendered my opportunity of obtaining a mortgage.
Product: Credit card or prepaid card

Welcome bonus terms -- 1 purchase by XX/XX/21 -- were met the but bonus ( XXXX rewards points ) has not been issued. The issue has been escalated to specialists multiple times with no resolve ( the latest ticket has had no updates in over a month ).
Product: Credit card or prepaid card

I have a Citibank XXXX XXXX Credit Card. I received a refund on a purchase for a large sum of money, ~ {$12000.00} that I had previously paid the balance. Now I currently have a negative balance on my card, ( Citibank owes me this money ). I contacted them XX/XX/XXXX to send me an electronic transfer for the money owed to which they said they would. I have since followed up with their customer service department 3 more times ( 4 times total ), to which they keep saying it will be another 3-5 business days. This has been ongoing for a month now to no resolve. I really need help retrieving this amount due.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I noticed a fraudulent inquiry from XXXX ODA. I called to request Experian remove it and they said they would. I asked that ALL names other than XXXX XXXX and ALL addresses other than my current XXXX XXXX XXXX address be removed. He told me he needed specific names and addresses which I did not have access to. he refused to help any further in order to help me prevent future fraud due to old and outdated information on my report.I filed a complaint with the CFPB and Experian did NOTHING but copy/paste some cookie cutter XXXX and didn't even try to address my complaint.XXXX and XXXX were not part of the initial complaint but I am adding them to this one because their online dispute portals are buggy and do not work properly.
Product: Payday loan, title loan, or personal loan

My fianc was involved in an auto accident that has had him out of work since XX/XX/2018 and just recently had XXXX. I have been struggling to pay both of our bills with only my own income and I have informed all mine and his creditors about this. Toledo finance has called both of our phones multiple times a day and the manager, XXXX XXXX and others that work there have left harassing, threatening calls on both of our voicemails. They have also called my job multiple times and were told on several occasions that they are not allowed to contact me at work by myself, other coworkers, and even my boss. Yesterday, XXXX called again and was very rude to my staff and was very demeaning and demanded that she talk with me. After being placed on hold, she immediately called right back and yelled at my staff. She then came up to my job while I was at lunch and demanded them to give me paperwork and that I call her back immediately or else. Due to this, I was sent home for the rest of the day when I got back from lunch. This is very unethical and unfair practice. I had already sent letters to all my creditors last week explaining again our financial situation and asking that they all be patient with me. I have been in major emotional distress and even had to seek medical attention behind this. XXXX coming to my job and disrupting my place of employment yesterday by making the harassing phone calls, just added to that distress. This needs to be stopped and she needs to learn how to have a little compassion. Prior to the accident we always paid our bills on time. I just don't feel this is right and should be stopped before I end up losing my job behind it and then I really won't be able to afford to pay anything. Thank you for your time.
Product: Debt collection

I have requested " VALIDATATION & Not Verification '' of this debt for on months ... Have yet to seen the proof as required by the Federal Law. These are not my accounts! 

There are accounts own my credit report destroying my credit report from : M.G. Credit account # XXXX account # XXXX account # XXXX account # XXXX My score was just an XXXX on XXXX and not XXXX because these accounts updated as " Late '' ; however the accounts are " Closed '' Please provide legal of lawyers to speak with about this matters as well.
Product: Checking or savings account

An impersonator of Santander bank called from their customer service number and had all my account and security information, moved {$8500.00} to my checking account from savings, and then took {$4400.00} from my account. Santander will not reimburse the funds because they are blaming me for authorizing this, even though I was fully convinced it was the real Santander due to the accurate information that was provided to me. 
This is an APP scam that should be refunded. My funds landed in XXXX XXXX  on a card with XXXX as the last 4 digits. They have all the transaction times dates and amounts and partial card number, chime is being negligent on this investigation. I don't understand why I can not get my money back.
Product: Mortgage

The title company, First American Title Insurance Company, sent the closing documents, including SSN, address and financial information, via unsecured and unencrypted email. If my personal information is obtained from the unencrypted email could result in identity theft. 

The title company is negligent in handling this type of very sensitive information. Contact the company but they do not have an answer.
Product: Credit reporting or other personal consumer reports

I would like to follow up regarding several inaccuracies on my credit report, including multiple late openings and public record, which have unfairly impacted my credit history. I have attached a copy of my credit report highlighting the disputed entries for your reference. I have identified several accounts that have been inaccurately reported on my credit report, specifically in regard to their opening dates, as well as the status of public record. These discrepancies are causing significant harm to my creditworthiness and have made it difficult for me to secure favorable financial terms and opportunities. I want to emphasize that I have diligently managed my finances and have not allowed any accounts to remain late payment. These inaccuracies are unjustly tarnishing my credit history and do not reflect my responsible financial behavior. So, I am asking for your help to correct the late open and remove these public records : XXXX. XXXX  XXXX XXXX Balance Owed : {$2200.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. XXXX. XXXX  XXXX XXXX Balance Owed : {$1100.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. XXXX. XXXX  XXXX Bankruptcy Reference # : XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the 10-year statute of limitations that a credit bureau can report. Please update the filing date and then remove it. XXXX. XXXX  XXXX Bankruptcy Reference # : XXXX - This bankruptcy file date is wrong and this bankruptcy is out of statute for reporting on a credit report. It should no longer be reported because it is past the 10-year statute of limitations that a credit bureau can report. Please update the filing date and then remove it.
Product: Debt collection

My ex wife and I got a new vehicle loan from navy federal credit union for XXXX. We purchased a XXXX XXXX XXXX for XXXX and XXXX after tax, title and licensing. My car note was XXXX dollars per month for 60 months. For the first 32 months I never missed a payment totaling XXXX dollars. I also traded in a vehicle valued at XXXX dollars. After the first 32 months I refinanced for a lower payment which was reduced to XXXX per month. I assumed payments and payed over XXXX dollars over the next year and a half. My payments totaled over XXXX dollars with a few late payments and nfcu still said I owed XXXX dollars for this vehicle. After getting divorced I called NFCU to relinquish the vehicle because I could not afford it anymore and they agreed to pick it up. Within the next 72 hours they said the vehicle was totaled and they would not pick it up and that I was liable for the amount. But, I had already paid over the amount for that vehicle and It was not totaled it was still fully functional.
Product: Credit reporting or other personal consumer reports

I was informed by my tax preparer that my personal information was lost/stolen by movers during a commercial relocation in 2020. I was advised that she made a police report and I should monitor my information going forward. I placed a fraud alert with credit report agencies. I recently pulled a copy of my report and noticed accounts that I have no knowledge of. The creditors include : XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX. I have no affiliation with these creditors and these accounts are not mine. Furnishing accounts to my credit profile due to identity theft is in direct violation of 15 USC 1681c-2. I've contacted EQUIFAX, XXXX, AND XXXX twice to rectify this solution requesting verification of these accounts. 

This information being furnished to my profile is affecting my ability to purchase a home. I also noticed credit inquiries being furnished from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  and XXXX. The inquiries were furnished without my knowledge or written consent which in violation of 15 USC 1681B. 

I also requested that addresses that are not mine, and names that are not mine be removed from my credit profile and I see that they are still being reported.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I've reached out to the bureaus around XXXX or XXXX about this issue. I have also sent my appeal and dispute letters via mail as requested but when I call, some representatives would say they see them, some say they don't. Please help me reach out to the bureaus and kindly delete the following fraudulent accounts and inquiries from my credit reports. I attached my FTC reports, ID, proof of address, and Social Security card to this complaint. 

Here are the fraud accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I have repeatedly disputed collections and closed accounts with inaccurate and incomplete information. Each time, the dispute was closed within 24 hours with remarks such as verified and disputed by consumer. The process of investigation was never disclosed to me and the inaccurate and incomplete information still remains the same. I have several, duplicate negative items being reported with inconsistent information - status, dates, payment histories, etc. 
XXXX, Experian, and Experian have failed to investigate my disputes, provide their methods of verification and validation, and remove inaccuracies, such as accounts that do not belong to me.