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

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account # XXXX To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX XXXX and TransUnion for their continued failure to correct inaccurate late payment information on my credit report concerning my XXXX account ( # XXXX ). Despite multiple disputes filed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, no corrections have been made. This constitutes a violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Information and Discrepancies : The late payments reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are inaccurate and inconsistent across all three credit bureaus, as highlighted in my previous disputes. These discrepancies directly contradict the actual payment history for this account, which reflects a current status with no delinquencies. Additionally, the discrepancies in the " Date Last Active '' and " Last Reported '' fields further underscore the lack of accuracy and uniformity in the information being reported.

Legal Violations : FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are required to ensure the accuracy of the information included in consumer files and investigate disputes thoroughly. The failure to resolve these errors after multiple disputes is a blatant disregard of this obligation.

15 U.S. Code 1681b and 15 U.S. Code 1681c emphasize the importance of maintaining accurate and complete credit reports. Reporting inaccurate late payments undermines these protections.

TILA Violations : 15 U.S. Code 1666b requires creditors to provide timely and accurate periodic statements. The late payment reporting indicates a failure to comply with this requirement and has caused undue harm to my creditworthiness.

Protection Against Non-Payment of Obligations Act ( PAANL ) : Creditors and reporting agencies have a duty to ensure that consumers are not unfairly penalized for alleged delinquencies when they have fulfilled their obligations. The repeated reporting of inaccurate late payments is a violation of this principle. 
Desired Resolution : I am demanding the following actions be taken immediately : The removal of all inaccurate late payment notations ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) from my credit report. 
Written confirmation that these corrections have been made and that the account reflects accurate information across all three credit bureaus. 
Failure to address this issue promptly will leave me no choice but to escalate my complaint to higher authorities, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies. 
This is the fourth dispute regarding this matter, and your continued inaction is unacceptable. I expect a resolution to this matter no later than 30 days from the date of this letter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

In accordance with the Fair Credit Reporting Act, Capital One has violated my rights. Under 15 U.S.C 1681, Section 602, states I have the right to privacy.

15 USC 1681, Section 604a, Section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX CU # XXXX - Date Opened XX/XX/XXXX Account Name : MODEL FINL # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I had purchased XXXX Hockey tickets for Game 6 between the XXXX XXXX and XXXX from a guy by the name of XXXX XXXX. We agreed that I would send payment of {$440.00} via XXXX and he would then transfer tickets via XXXX. After about 10 minutes of trying to get the tickets transferred this scammer stopped responding and would not answer the phone. I immediately called Chase Fraud department and was told they could see the transaction in pending status but they were experiencing system issues and could not do anything at that time. They asked that I call back in one hour. I called back 45 minutes later and filed my complaint. 
I then received a letter on XX/XX/XXXX advising that the payment was not fraudulent. They did not advise how they came to this conclusion, but had there systems been up when I called I am sure they could have put a stop to this transaction while it remained in a pending status.
Product: Vehicle loan or lease

Complaint re : JPMorgan Chase, XXXX, XXXX, XXXX  What happened? 

I have a 28-year long standing of excellent financial history with no late and no missed payment, until I ended up with Chase as a lender via XXXX XXXX dealership in XXXX, TX, in XX/XX/2018. 

What I originally thought by borrowing a little to further improve my credit score from 811 to 835+, led me into a series of troubles because Chase never provided me with a billing statement, nor my loan number, nor my payment due date, nor payment alert initially I set up, nor late due notice/alert. In less than 6 months, I was late on payment twice because I never received any billing statement or any communication from Chase, the lender. After I made two phone calls which really affected my full time work, their terrible customer service reps threatened to destroy my excellent credit and he did! In one month, my score dropped by more than 100 points. Given that Chase never sent me a billing statement, it is illegal for them to charge me fees and try to destroy my credit. 

I also complain about credit bureaus for not informing me, for not investigating, for just taking what Chase says/claims to punish me for nothing I did wrong. 

These big businesses are bullying great consumers like me! Something need to be done to not allow them to mistreat good, financially responsible consumers like me. They should not be given the power to abuse my credit and my reputation of 28+ years of good standing. 

PLEASE, HELP US! 

I plan to contact our senator about this, too.

This is UNACCEPTABLE!
Product: Credit reporting or other personal consumer reports

I consolidated my federal student loans with XXXX. XXXX and XXXX are still reporting on my credit report.
Product: Mortgage

Since XX/XX/2019, we have attempted ( with my elderly Dad as co-borrower ) to enter an application for Loan Modification with Mr. Cooper on our residential mortgage. Both of us went through all of the steps that Mr. Cooper required and submitted all documentation requested. It has now been 5 months and they refuse to even clear the hurdle of the application phase. I have submitted documents on numerous times only to be told its on hold due to the underwriter requires something else and we have no control over what they are requesting. I have been in constant contact with the Loan Representative ( who  has changed to a different person twice now ). I have used their online system, I have faxed documents and I have emailed some directly but I continue to be told we need more documents or other outrageous requests. The most recent outrageous document request by Mr. Cooper in XX/XX/2019, is for a copy of the mortgage statement to be submitted, that belongs to my wifes home for proof of residency for me? They think they are going to drag her into this fiasco by demanding her personal documents and she has nothing to do with this! Its not her mortgage we are trying to modify. How can this company do that to my family? I am in dire need of resolution to save my Dads remaining sanity, health and our home where my family was raised and lived all these years!
Product: Money transfer, virtual currency, or money service

My XXXX account can not be linked to the bank and withdraw cash, and I have called the customer service representative many times to solve the problem, please help me!
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan in XXXX  for {$8000.00} with XXXX. The original interest rate was somewhere between 8 to 10 %. I was able to make regular minimum payments plus additional funds for the first two years but then the Great Recession hit and like many others I struggled with finances for a couple of years. I believe at that point is when the interest rate increased to a much higher rate of 25 % and I incurred penalties and fees even though there was some accommodation by XXXX and OneMain financial to help during that period. 

In the location where I was, the income was not always steady but I did my best to keep up regular payments in years to follow. At one point I had enough to make a larger {$4000.00} payment against the principal in an effort to reduce amount of interest. When I made that larger payment I also called one main to request that the interest be dropped to the original loan agreement and one main said that they would not do this. I continued making regular payments usually not much above the minimum. 

At one point, about 15 years after the original loan agreement it started to occur to me that I thought I'd payed substantial amount against this original {$8000.00}. Unfortunately I had gone through a number of personal losses and a divorce which left me without a record of payment. I then requested from OneMain financial, on more than one occasion, for a payment history. Each time I was diverted to another agent put on hold and ultimately never able to get the record until just recently in the last month. Upon receiving the payment history I went through and added all of the payments of which total just under {$23000.00}. 

In the downloaded documents section of this complaint I have included screenshot images of the payment history which include my adding up of all total payments on the cover page sent by OneMain, as well as the first page of the payment history, and the last page of the payment history to demonstrate how I documented the statement of account. 
Each page has a highlighted line showing the payments on the page and the total at the bottom. All the totals from each of the 35 pages was then added together to find the total payment amount.
Product: Credit card or prepaid card

I have a world elite mastercard from HSBC USA. I enrolled in Auto-pay on my account. I checked back on my account later and noticed that my payment was not submitted according to auto pay schedule despite auto pay being enrolled. 

I then called HSBC customer service. The customer service rep said that he recommended that I still manually check my account on the payment due date because sometimes auto-pay does not submit the payment for the first few cycles ... despite the auto-pay disclosure stating that it would submit on the next due date ..... I was charged with over {$100.00} in interest and late fees very clear false advertising.
Product: Checking or savings account

hi.my name is XXXX XXXX. I'm trying to Open a new account with Wells Fargo XXXX XXXX  But they denied my application for some reason For XXXX XXXX XXXX XXXX XXXX. No bank where I applied will open an account for me because of XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items from my credit report : Late Payment XXXX # XXXX XXXX # XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Chase Bank has charged me a Monthly Service Fee of {$15.00} on XX/XX/XXXX and I called Customer Service to request a courtesy refund to which they denied. The representative went over the ways of how to avoid the fee in the future but unfortunately I have not been in a position to maintain {$2000.00} daily in my account nor do I qualify for the ink credit card so I have had to suffer being hit every month with this fee and yes I have asked for a refund over the past months and they have accommodated my requests but this time they did not. The representative offered instead a partial refund of {$4.00} and I expressed my displeasure of the amount considering that I run XXXX XXXX XXXX XXXX per month thru my account. The rep remained firm on the {$4.00} credit so I denied her measly offer and hung up. Well she decided to be spiteful and take it upon herself and apply that {$4.00} credit anyway knowing that by doing so no other representative can now give me the full credit even if they wanted to because she Decisioned the offer as accepted in the system to which I did NOT accept. Her actions is what what caused me to file this complaint as well as I am penny pinching right now and need all of my EARNED funds.
Product: Money transfer, virtual currency, or money service

I have a XXXX XXXX XXXX XXXX, like an XXXX and I take payments using XXXX, which is owned by PayPal. It has been a week and they refuse to let me transfer my payment to my bank account. They have frozen my money saying that they need further information about my business. I have called them twice to resolve the matter and they say they will release my money but they still won't do it. They say they need documentation to show who my vendors are. I do not have vendors as I do not sell a product, I provide a service. I desperately need this money especially after the hurricane ( Ian ) that just hit Florida. All I get is a runaround. Please help
Product: Mortgage

MyLoanCare LLC purchased my mortgage several years ago ( XXXX ) and I have made all payments on time using the online payment. Now when I attempt to access the company 's website, I states that the page no longer exists. I have attempted to access the website using multiple devices from various internet sources, and I am still not able to access to pay my loan. This issue started XX/XX/XXXX I called the customer service number that was provided with old paperwork and only receive a busy signal. 
To my knowledge, my mortgage has not been sold to another company. 
I just want to pay my bill and keep my house
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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: Mortgage

My mother unexpectedly passed away last year leaving matters regarding our home up in the air. I was unable to communicate with her mortgage company until I completed the probate process, this made me I fall into foreclosures hands. I am trying to keep my mothers home, and have requested a modification with Wells Fargo. I was advised that they would work with me, I was told that all I needed to start the review was a form XXXX that I submitted with a checkstub and my XXXX. Now 2 days before my sale date I am being told that they require a full file, I could have sent this to them last week, now I am rushing to get these several documents over to Wells Fargo within a day. This is not right. To make matters worse the person I was advised would open my file is not available to take my calls, every supervisor is in a meeting, just excuse after excuse to refuse to help me and foreclose instead. I am trying to do what is right things have not been easy for me and I thought Wells Fargo understood that- I guess I was wrong, this is the first sale date for my mothers loan and they will not even allow me a couple more days to gather the laundry list of items they requested, I am hoping that I can work something out soon, I do not like to be in this predicament, I work in law enforcement helping people is my job- I was not prepared for this type of mistreatment.
Product: Mortgage

I have tried to fix my problems. I was under a high-interest rate that affected my ability to pay when I lost my job. I qualified for several loan modifications all denied because I did not make enough money to repay the loan modification and the repayment plan which was never accepted by the company. they made so hard to get the modification I eventually had to file for chapter  XXXX . I want the difference of interest rate repaid to me. and the outstanding amount that I became in the rears w ith of 35,000 while   waiting for help with my high-interest loan. the company messed up my credit and my financial situation in the long run.
Product: Mortgage

As a XXXX XXXX XXXX that gets paid twice a month, I began paying my mortgage through bill pay from XXXX XXXX in the amount of {$920.00} in XXXX of 2019. Around XXXX of 2019 my mortgage company called about my payments. They said I missed a payment I explained that I had automatic payments set up so that couldnt be. At the time they informed me that my mortgage payment had increased by {$100.00}, which I never received any notice of. I was also informed that several of my half payments were misapplied. However, I was told that they would reverse it. In XXXX of 2019 I increased one of my half payments to cover the {$100.00} increase from XXXX and then changed my automatic payments to reflect {$950.00} on the XXXX and XXXX of the month. From XXXX to about XXXX I continued to receive calls from my mortgage company saying my account was delinquent. Just about each time I spoke with someone they said a payment was misapplied, finally in XXXX they escslated it. I continued to be in constant contact with the company explaining that I never missed a payment. Finally in XXXX the escalation company called and said they didnt find any errors and that I needed to supply proof. I submitted a digital message on their site with my bank statements showing the payments as well as their statements showing where the payment was misapplied. They have since refused to adjust my account even after supplying the proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several CERTIFIED letters to Equifax disputing unauthorized inquiries. They keep asking for proof of ID which they already have on file! This is very frustrating because the other bureaus have responded and removed all of the unauthorized inquiries as requested! 
Equifax keeps stalling and playing games with consumers! Asking me for silly proof of ID which they already HAVE!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the process of buying a house in doing so I order my XXXX bureau credit report history and found that there are a verity of delinquent accounts and inaccuracies across all XXXX credit bureaus that is causing my score to fluctuate significantly and prevent me from being able to get a loan for a house. According to the Fair Credit Act 15 U.S.C1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX  ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
According to this law there should not be any damages on my report it is considered to be a deformation to my character.
Product: Debt collection

I have provide with Document should be sufficient to investigate MRS Offer to Settle the Account i have sent a copy of the contract payment record and loan information and before the final payment scheduled for XX/XX/30 in the amount of XXXX I notice that the Account was transfer Back to XXXX all payments have been made as agreed MRS have fail to complete the Settlement agreement and i have provide with all evidence needed Thank you. XXXX XXXX