23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/2024 we noticed on our statement that a XXXX fee was applied despite our payment being sent. On XX/XX/2024 we called and spoke to XXXX. She advised us that we were not advised that our payment went up because of escrow balances. She apologized and told us to pay XXXX for the make up of the escrow amount and she would waive the fees. We did that. Sadly, they told us we would have to call back to make sure they did what they said they would do. 

So ... .on XX/XX/2024 we called back. Spoke to XXXX. Still have fees that were not waived despite the call on XX/XX/2024. XXXX was going to submit to the supervisor to have the fee waived so we would need to call back. I also asked her if this was impacting my credit bureau and she said I had to check that myself. Interesting that an error they have made requires me to find out the harm. 

Fast forward to getting a new statement and seeing that for the 3rd time the fees still have not been addressed. Called again, said we paid late ( we did not ) and that the fee was not waived. Asked for the escalation unit After a hold period I was told... .the escalation department is not available. So XXXX would put in a request to have the fee waived, with my permission. Yep had to give her permission to address their error ( for the 3rd time ). 

This is insane. I want all the fees waived and a conformation that was done without the need to keep calling back as well as confirmation that they did not negatively impact my CBR as a result of their errors.
Product: Student loan

I applied for the REPAYE plan on XXXX/XXXX/2016 and had numerous issues with Fedloan servicing and there policies. Fedloan finally resolved my issue and CORRECTLY processed my REPAYE plan today XXXX/XXXX/2016. However, when processing my REPAYE plan fedloan changed my due date from the XXXX to the XXXX without my permission and I want my due date to remain the XXXX and not mess up my {$0.00} IDR payment. Furthermore, I have XXXX loans in GRACE period, according to fedloan I will need to reapply for REPAYE once those loans enter repayment because they can not process an IDR plan with an app older than 60 days. That being said, they are contradicting themselves because they just processed REPAYE today XXXX/XXXX/16 with an app older than 60 days submitted on XXXX/XXXX/2016. Additionally, this is not a XXXX guideline, if I was to reapply for REPAYE I would essentially be recertifying my income which by then WILL NOT change thus re-disclosing the terms of my IDR plan. Fedloan should be able to use the same app and proof of income as per REPAYE needs to be aligned across all of my loans and my income will not change. I want fedloan servicing to process the REPAYE plan on my newer loans that are in GRACE once they are within 45 days of repayment. I do not want to reapply and go through all of this nonsense again. I know my rights and I am very familiar with student loan practices and other XXXX practices and fedloan is not following them. Please make my life easier and do n't make me reapply for REPAYE for my loans in grace when I know you should be able to use the same app since it is in the same repayment period. It is not my fault if your system is not capable of processing functions up to the XXXX standards.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am dealing with the death of an elderly relative. She left me money, in a CD in a bank in XXXX VA. I would like to claim funds, sent information asked for with my mother who is with family this week in VA. Bank flat out refuses to send me my money. They insist I send them a letter from my home state, which was not the agreed way of claiming funds.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Accounts and Request for Immediate Action Due to Equifax Data Breach Dear Equifax XXXX XXXX am writing to formally dispute the fraudulent activity on my credit file resulting from the Equifax data breach, which exposed sensitive personal information of XXXX, including mine. Specifically, I am disputing the following accounts : XXXX. XXXX XXXX Account ( Account Number : XXXX ) XXXX. XXXX ( XXXX ) Account ( Account Number : XXXX ) XXXX. XXXX XXXX XXXX Account ( Account Number : XXXX ) Under the Fair Credit Reporting Act ( FCRA ), I demand that these accounts be investigated and removed immediately as they were not authorized by me. The breach of your systems in XXXX compromised my personal data, directly leading to these fraudulent activities. 
Additionally, I am requesting reimbursement for time spent resolving these issues and any out-of-pocket expenses as per the Equifax settlement terms. Enclosed are supporting documents detailing the fraudulent accounts and my efforts to address them. 
Failure to act promptly will leave me no choice but to escalate this matter legally under FCRA provisions and seek further damages. I expect written confirmation within 30 days regarding the resolution of this dispute. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and the last four digits of my Social Security number are XXXX. I have already contacted the credit bureau to inform them that some of the accounts listed are not mine and that others are inaccurately reported. I provided my correct home address, which is XXXX XXXX XXXX XXXX, XXXX, IL XXXX, and requested that they update their records accordingly. 
Additionally, they continue to report a XXXX  XXXX bankruptcy that I have asked to be removed. I also requested a letter of verification to confirm that these debts belong to me and that the reporting is accurate, but I have not yet received a response. 

In according with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Names are below : Remove the following address please they are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove the following accounts : Remove 30, 90 day late payment : Account XXXX Remove 30, 90 day late payment : Account XXXX Remove 30, 90 day late payment : Account XXXX Remove 30  day late payment : Account XXXX Remove No other credit bureau is reporting this, this is not my account XXXX Remove 30, 90 day late payment : Account XXXX Remove 30, 90 day late payment : Account XXXX Remove this account. No other credit bureau is reporting this, this is not mine. Account XXXX This is not my account please remove account : XXXX Please remove account XXXX XXXX XXXX XXXXXXXX This states that its 90 days late but it does not have 30, 0r 60 day late so how can I have 90 days late? This is not my account please remove it. 

I looked at my Experian credit report on XX/XX/XXXX, and noticed something is incomplete and not accurate. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 usc 1681 ( E ) ( B ) According to 15 USC 1681i 5, they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) general if after any reinvestigation under paragraph one of any information disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

*Vehicle was traded in on XX/XX/XXXX. 
*Payoff check XXXX {$29000.00} was mailed XX/XX/XXXX to the standard Payment address posted on XXXX via USPS : XXXX XXXX XXXX. XXXX  XXXX XXXX, TX XXXX *On XX/XX/XXXX, XXXX XXXX advise to issue a Stop Payment for 'non-receipt ' and re-issue a new check with an new payoff amount to a different address for Lease Payoffs : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX *The check posted the following day on XX/XX/XXXX and was returned due to Stop Payment they advised to issue. 
*A new check XXXX {$29000.00} was mailed overnight via XXXX tracking on XX/XX/XXXX. Tracking # Tracking Number XXXX. Delivered XX/XX/XXXX XXXX as per XXXX Tracking. 
*After numerous calls, XXXX located the payment XXXX delivered XX/XX/XXXX on XX/XX/XXXX. XXXX posted the payment effective XX/XX/XXXX. 
*In the interim, between XX/XX/XXXX and XX/XX/XXXX, XXXX reported me as 60 Days Delinquent on all 3 Credit Bureaus Equifax , XXXX XXXX and XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be aware of information on my consumer report is inaccurate!. I have tried to mail XXXX Equifax and XXXX on 3 different occasion starting XX/XX/XXXX. I have asked to validate these accounts as I do not know of any of these accounts and XXXX was the only one whom responded and stated someone may be working in my favor. I was upset to have waited this long for them to tell me they need proof it is me. When I included a cop of my id along with proof of my address. in XXXX I asked them to reinvestigate and in XX/XX/XXXX I asked them to again reinvestigate and expressed my final warning, no one as return my calls or neither did I get any correspondence to my mail. 
I asked several times to validate verify XXXX THERE ARE SEVERAL LISTED IN MY CONSUMER REPORT, XXXX, XXXX XXXX XXXX XXXX. I VERY UPSET THIS IS AFFECTING MY CONSUMER REPORT! 
on 3 different occasions the bureaus have failed to respond to me and making me wait and suffer with getting declined for credit. I think this is unfair and should be deleted for reporting inaccurate information.i have read some of the laws and these accounts fall under them and by default should not be on my consumer report! 
THEY ARE ALL REPORTING, FALSE INACCURATE INFORMATION AND HOW CAN YOU DO THIS DURING A PANDEMIC. Delete this for failure to respond over 90 days! here are just some of he laws I read that is showing on my consumer report! 
Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete 15 US CODE 1681e ( b ) Compliance Procedures Maximum Possible Accuracy 15USC1692f ( 1 ). Unfair Practices Under 15 USC 1692e. False or misleading representations Under 15 USC 1692g. Validation of debts please see all my letters send on my behalf and no one has ever responded nor called me!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX cra violation inaccurate infomation i enclosed in my report XXXX and XXXX po report enclosed aslo
Product: Debt collection

Failed to verify debt. The account is not accurate on my credit report. information is different on XXXX  & XXXX. its hurting my credit score and its not accurate. information is breaking the Fair reporting Credit Act
Product: Money transfer, virtual currency, or money service

I requested a death certificate from the state of MD. The means to obtain the death certificate is through a government/private contractor- LexisNexis also known and operating as XXXX and XXXX. After cancelling the request, I was informed that all but {$13.00} of the {$43.00} fee charged would be refunded in approximately 30 days. The {$13.00} nonrefundable fee WOULD NOT be refunded. When encouraged by government entities to use online services ( the only means to access the requested documents ) to pay and save money for government services, private contractors should NOT benefit financially by refusing to refund extremely high fees and claim, arbitrarily, that such fees will not be refunded is arbitrary and unfair, and potentially illegal. Moreover, such practice- not refunding fees within reasonable time is a practice where the private company EARNS INTEREST when held over a reasonable period of time, especially when payment for such services are to be paid instantaneously upon request. Im requesting the practice of EARNING interest on payments made for government service through private entities should cease on behalf of myself and others similarly situated. In addition, I am requesting a total refund together with any and all interest earned by such such questionable monetary practices. That the arbitrary decision to withhold unsubstantiated and unreasonable fees, as nonrefundable is arbitrary and capricious, on top of being potentially illegal.
Product: Checking or savings account

I had a fraud issue where someone stole my information and gained access to my account. 
This all happened XX/XX/2023 as soon as I noticed my information was missing I called Bank Of America when I called the rep stated the best thing would be to have the account frozen and open another checking I said ok. 
I fast forward to XX/XX/2023 my account was locked I could not log into my online banking I call I'm told my account is being closed and I would receive a cashiers check I ask questions reps were rude reading scripts about the account being closed not one rep over the phone could answer my questions or help me.

I then decide to go to a Bank Of America Branch which is located at XXXX XXXX XXXX XXXX, CT XXXX I figured it would be better for me to go to a branch in person so my identity can be confirmed. 
I speak with a banker at the branch briefly the banker did not take my information or run my information the banker did not even ask me my name. 
I left for a second I came back because I needed to speak with a banker about my situation the same instance happens I speak briefly with a banker for the second time still the banker does not ask my name nor run my information which is negligence because I've never banked at the XXXX XXXX branch they do not know who I am. 
I went to the branch because it is the closet branch to where I live I usually go to the branch that is a town over from me. 
After leaving I then call the risk and closure department and ask if I could pick up the cashiers check in person I was told no it has to be mailed and it will take 10 days. 
The issue I have with this is when mailing a check the check can be mailed to the wrong person or to a person pretending to be someone I personally feel it would make better sense to make the account holder come to the branch with their Id and social to verify their identity and then issue the check once identity has been confirmed in person. 
What Bank Of America is doing is not combating fraud but contributing to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. 

THE BRIDGE CREST CREDIT ACCOUNT IN WHICH WAS A REPOSSESSION DISPLAYED AN INSTALLMENT AMOUNT OF : XXXX, IT OPENED ON THE DATE OF : XX/XX/2012. WHY IS THIS ACCOUNT STILL REPORTING NEGATIVELY ON MY CREDIT REPORT? I HAVE NOT RECEIVED ANY RESPONSES IN REGARDS TO THIS UNFAIR ACCOUNT. PLEASE REVIEW CAREFULLY ALL THE DETAILS AND REMOVE THIS ACCOUNT IMMEDIATELY, AS FOR IT IS GETTING IN THE WAY OF AN IMPORTANT PURCHASE I HAVE TO MAKE.
Product: Checking or savings account

I deposited a check into my account that i was long awaiting they havent told me anything was wrong with the check the money is available in my account and has been in there and hasnt been retuned for 15-20 days already there shouldnt be any suspicion of funds as to it hasnt been retuned unpaid or anything and my account with citi bank was blocked for no reason
Product: Debt collection

RE : Intent to file lawsuit, HIPPA Privacy Violation. Validation Letter sent to : COMMONWEALTH FINANCIAL. Account # : XXXX. AMOUNT OWED : {$1000.00}. To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by Commonwealth Financial. Their response will clearly violate my rights according to the HIPPA act of 1996. XXXX XXXX Hospital and XXXX XXXX XXXX XXXX XXXX did NOT provide me a HIPPA release before releasing my medical information to Commonwealth Financial. Therefore by providing such information they are in VIOLATION of my HIPPA rights. I have filed a  HIPPA violation against XXXX XXXX Hospital and XXXX XXXX XXXX XXXX XXXX as well as I am proceeding with legal action against Commonwealth Financial as prescribed by the Fair Credit Reporting Act should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well.
Product: Credit reporting or other personal consumer reports

This complaint is about equifax inaccurate reporting to my credit report about account with XXXX XXXX in my last complaint that was sent they claim that the account is verified as accurate but this is not the case the account is still reporting inaccurately and different on equifax from the other credit reporting agencies. it is the credit reporting agencies duty to make sure information they are reporting on an account is reporting with 100 percent maximum possible accuracy. The error in Equifax reporting is damaging my my image and credit report. Dates opened date of last activity date opened date closed is incomplete last payment date inaccurate. I doubt this account was thoroughly investigated because of all the inaccuracies still reporting. I demand this account be deleted fro my credit report.
Product: Credit reporting

I am trying to refinance my house and I have learned that credit score information provided to consumers is not the same information used by mortgage companies. One mortgage company told me that it is " the fact of life '' and difference is usually at least XXXX points. While it appears to be a small number it does impact the rates available. In my case, I checked my credit score through the credit card companies which indicated that I had score in excess of XXXX. When I applied for mortgage, I was told that my credit scores came back as XXXX, XXXX, XXXX. There is obviously different ways of calculating credit scores which are supplied to mortgage companies vs those provided to consumers. It is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled my credit report and seen an account that does not belong to me. I believe this an act of fraud and will need the fraudulent account removed. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). 
accounts : XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, MEDICREDIT Corporation # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX,
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Regardless of the multiple written requests, the ASSETCARE LLC ( XXXX XXXX XXXX ) XXXX Balance {$84.00} still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureau is failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Best buy credit card was stolen in XX/XX/2020 during shipping that is even before I have received the physical card. It was stolen and some purchases made by someone between XX/XX/2020 and XX/XX/2020. It was then identified by Credit card company and blocked the card. Then the company sent me another card and I have received on XX/XX/2020 and I haven't made any transactions then. 

All the transactions on the stolen card was adjusted by the credit card company except the following one transaction for {$13.00}, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX OH This particular transaction from the stolen card appeared in my new card statement as a balance I need to pay. 

In XX/XX/2020, I have disputed the transaction first time with best buy credit card company. 
In XX/XX/2020, I've got the response from the credit card company saying that they will adjust or remove the transaction in 7 - 10 days but it didn't go away. 
I have called them again in early XX/XX/2020 and they said that the adjustment will be reflected in the XXXX 2020 statement but it wasn't removed from the XXXX statement as well and also they have reported the balance of {$13.00} as a late payment to credit bureau. 

In XX/XX/2020, I have disputed again, once again they have agreed to remove it from the statement but they didn't do. 
I have called them again and finally they removed the transaction in XX/XX/2020. 

It took almost more than 3 months for them to resolve the issue on their side but the negative mark of late payment is still there in credit report. 

Again I have disputed 2 more times with XXXX credit bureau and 1 time XXXX to investigate and remove the negative late payment mark from the credit report but it was failed again and closed the dispute as information is accurate. 
As of today, it is not corrected yet even after all the disputes with Credit bureaus and credit card company. 

I've been with this issue for 4 months still it is not resolved completely causing huge emotional distress and not able to sleep properly for the past one month especially I'm in middle of my mortgage process now where I see some set backs due to this credit report damage. My monthly mortgage payment is increased because of their fault. I'm really tired and frustrated with the way the credit card company and credit bureau are handling this issue. 

I have attached all the communication documents, dispute results from XXXX. XXXX documents I couldn't get but their investigation also failed and negative mark still exists.