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

My account with the XXXX XXXX XXXX  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/year> and XX/XX/year> to be corrected 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: Student loan

XX/XX/XXXX I contacted XXXX XXXX to have my direct loan transferred to qualify for student loan forgiveness. I am a XXXX XXXX with XXXX XXXX XXXX ( XXXX, OH ) and have been paying my loans on time since XX/XX/XXXX. I believed I would qualify for student loan forgiveness based on the fact that my student loan payments increased yearly. I believed I was on the correct payment plan. I was never told by XXXX XXXX that I wasn't on the correct plan. When I transferred to XXXX XXXX they also didn't tell me, my loan payment dropped to $ XXXX. I thought it dropped because I qualified for student loan forgiveness and they were reducing my loan payment because I would soon be done with paying my loans. I didn't realize I would not qualify for student loan forgiveness until XX/XX/XXXXafter I  called XXXX XXXX  asking when my loans would be discharged. I called XXXX XXXX and was told I would have to change my loan repayment plan and it would take another 10 years of payments to qualify for student loan forgiveness. I WAS DEVASTATED, IN TEARS!!! That would be almost 30 years of payments. There needs to be better communication from the loan companies, I had no idea I was on the wrong plan. I was told by XXXX XXXX nothing could be done even though I've been faithfully paying my loans on time for almost 17 years.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against TransUnion for not properly investigating items on my credit report that I have disputed. Despite contacting the court listed on a bankruptcy record, who confirmed they do not report to credit bureaus, TransUnion has not removed the inaccurate information. I have also disputed multiple accounts as fraudulent ( not mine ) and an account with an incorrect pay status, yet these items remain on my credit report. TransUnion has failed to fulfill their obligations under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) to ensure the accuracy and completeness of the information on my credit report. I request that the CFPB intervene to ensure that TransUnion properly investigates and rectifies these inaccuracies.
Product: Credit card or prepaid card

I have a 5 year+ relationship with bank of America XXXX always paid my credit card on time, never ever missed a single payment either. Earlier this year, bank of America advertised the option for customers to be able to choose which shopping category they want to earn 3 % cash back on, after sending me numerous emails to choose my category, I finally choose the category that I use most often, and continued using my credit card. 

I feel that Bank of America was VERY deceptive in their advertising practices by allowing me to earn 3 % back in a category I choose, and then closed my account without any notice, thus giving me NO opportunity to even redeem any of my earned points. 

I have used this card every month for the past 5 years and was surprised that BOA did not notify me about closing the card. 

I had no idea my card was closed until after it was declined at 3 different grocery stores, these are stores I go to all the time!! Its literally less than 1 mile from my house and my card was declined. I called customer service and was told my card was closed after a review for no apparent reason. This is absolutely wrong and embarrassing for a bank like BOA to be this unprofessional. 

I have reached out to two bank of America supervisors/managers but all the said were bank jargon just to further confuse customers. BOA mailed me a generic letter stating the card was closed for : sufficient balances on revolving credit line, this term is ambiguous and therefore not specific especially being that my card had no balance at all.
Product: Checking or savings account

The company has a habit of having a lot of fraud happen to their customers and when we try to fix it it takes forever and its a headache to get what belongs in the accounts due to it effecting my credit cards with wells fargo as well as my debit card so its been a never ending battle and I have to keep money out of that account and keep it in a credit union instead of a bank that I have been with since 2007 and this is just a small issue with wells fargo.
Product: Consumer Loan

I submitted a payment to Southeast Toyota in XXXX 2013 and the company marked me as 30 days past due on my credit report, however, I had submitted bank statements at the time showing that i made the payment and it posted to my account, and the date, but they refuse to make the necessary changes to correct the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a armed service veteran. My identity was stolen between XXXX and XXXX. During which time fraudulent accounts were opened in my name by XXXX and XXXX XXXX XXXX on my Equifax account. I have attempted to address the issue but have been unsuccessful. Please see the attached document from the Federal Trade Commision. I need these items removed immediately as it is negatively effecting me economically.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I'm writing for you for URGENT assistance to correct some information on my credit file which is hindering me from gaining employment, getting financed for housing, and life necessities. 
PLEASE VERIFY THEY HAVE MY CORRECT CONTACT/ADDRESS INFORMATION. 

Equifax is reporting negative information from XXXX XXXX XXXX, and XXXX XXXX which is incorrect. These items do not belong to me. They're illegally attempting to collect money from me. 

This information is negatively affecting my credit score, and I would like it removed ASAP. 

Please assist me in getting these items removed from my report so I can no longer be prohibited by the negative information which is impacting my livelihood.
Product: Debt collection

I have been disputing a rental collecting that was place XX/XX/2015 as a collection on my credit report. The balance started at {$5300.00}, then it changed to {$5400.00}, and change again to $ XXXX.They have been reporting inaccurate information and unauthorized activity occuring on the account such as a payments made on the account and showing different balance amounts owed. When asked the collection company to verify payment on the account made to the account, they remove payment from the account. This collection company called people in my family and even sent the debt information letters to their homes, they have call previous jobs telling them that I owe them money. The collection company also place multiple inquiries on my credit report to get information illegally off my credit, and using previous addresses to mail information of the debt that went out to old, or inaccurate addresses. I disputed their inquiries had them remove from my credit report and had to place fraud alert to block them from continuing to place many inquiries on my credit. I even dispusted the fraudulent acivities made on the account to Credit Bureau and have shown that they continuiously violates the FCRA. Lastly they use illegal tactics to sue me, and I was not aware of the lawsuit.
Product: Credit reporting or other personal consumer reports

In accordance 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 Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my Credit Report. Lets correct this immediately. The Company, CITIMORTGAGE XXXX, are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i sent out debt validations ( 609 ) letter to Equifax.On XX/XX/XXXX they made a decision and I have yet to obtain proper debt validations for my  debts by the mail. It has been well over 30 days. Equifax reported that the debts we 're validated to me. I have again yet to recieve proper debt validaton paperwork by the mail.
Product: Checking or savings account

New checking account sign up bonus of {$400.00} not received after fulfilling the terms.
Product: Mortgage

Modification trial started all payments were made on time and/or early. Company sent out their reps with paperwork and I signed all and the reps handled sending the documents back via mail overnight. All trial payments were made. Company rep stated that everything was fine and that I should be receiving documents for my records for the modification and I never did. They extended the modification for an additional monthdo to not having the document. They restricted online payments and only allowed me to call in the payment every month. Called to make the next month payment and they refused to take the payment and told me that they didnt receive an insurance acknowledgment form signed and dated, which by this time they were sent at least 3 signed and date copies, they said couldnt finish the modification until they got it so they emailed me the document I signed it again and sent it in. Waited a week to make sure they got the document and when I called back they told me that my modification was canceled because they didnt receive the document and I didnt make the last payment because they refused to take it do to the document missing now they are trying to take my house Im a XXXX XXXX veteran with a XXXX this company has sent me through the ringer and I have done everything they asked. Shellpoint mortgage is ruining my life and my familys future do to incompetence by them and their employees or they are just out to take veterans homes with a bs excuse of not receiving one document about an insurance acknowledgment document, that was sent multiple times including by their own reps that came to my house with the documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX sent my credit to a bunch of banks that I didn't want and resulted in unwanted inquiries. 

AMEX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Was told there were pre qualifications and my credit wouldn't be affected. 

XXXX XXXX HAD MULTIPLE INQUIRES FOR XXXX APPLICATION. Others were said to be pre qualifications but weren't. 

XXXX XXXX XXXX XXXX : Car dealer gave me multiple inquiries for XXXX application. 

XXXX XXXX XXXX : Car dealer gave me multiple inquiries for XXXX application. 

XXXX XXXX XXXX Car dealer gave me multiple inquiries for XXXX application. 

XXXX XXXX : XXXX dealer gave me multiple inquiries for XXXX application. 

XXXX XXXX XXXX Car dealer gave me multiple inquiries for XXXX application.
Product: Debt collection

I signed up for a 30-day no-cost trial of XXXX XXXX XXXX XXXX XXXX service through a field sales representative who knocked on my door. The service started on XX/XX/2023 and I cancelled within the 30-day period ( on XX/XX/2023 ). The equipment was returned via the shipping box that XXXX sent out shortly thereafter. Since XXXX, I received every month a bill for {$58.00} that should never have been charged. I called XXXX XXXX XXXX, every time a representative assured me that a credit would be issued in the next billing cycle to XXXX out the account balance and it never happened. XXXX confirms that the notes on my account confirm my version of events, however they refuse to provide anything in writing that confirms this. They then sent the account to collections in XX/XX/2023 and reported to the credit bureaus incorrectly that there is a debt that is unpaid. I have since paid the {$58.00} dollars alleged balance on XX/XX/2023 in the hopes that it may reverse the credit bureau situation while I pursued a refund from XXXX. 
There is now a collections notation showing on my credit report which is incorrect and should be removed. XXXX is at fault in not crediting my account as they agreed to. If anything, I should be given a refund for the {$58.00} that I have paid to try and make this go away. 

XXXX is telling me they can not reverse the negative citation on my credit report and directed me to the credit bureau ( XXXX ). I disputed the situation with XXXX and they came back that they have contracted XXXX and confirmed that the information provided by XXXX is accurate and that if I still disagree then I should be talking to XXXX. Everytime I talk to XXXX, the customer service representative states that they see the notes confirming my version of events and then try to transfer me off to one department after another.
Product: Credit reporting or other personal consumer reports

In accordance 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

IM ASKING XXXX TO READ ALL MY DOCUMENTS TO REMOVE THIS ERROR ON XXXX XXXX, PUTTING A LATE PAYMENT ON MY ALMOST PERFECT CREDIT REPORT,,, ,XXXX XXXX IS NOT FOR THEIR CUSTOMERS... IT'S XXXX XXXX THAT DID NOT FOLLOW THE CODE 15 U.S. CODE & 1666b- TIMING OF PAYMENTS ... .A CREDITOR MAY NOT TREAT A PAYMENT OF A CREDIT CARD OR A LINE OF CREDIT 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 CONSUMER NO LATER THAN 21 DAYS BEFORE THE PAYMENT DUE DATE ... .THIS DID NOT HAPPPEN ... IM ASKING XXXX TO CAREFULLY READ ALL MY DOCUMENTATATION AND REMOVE THE LATE FEE PLEASE ... XXXX XXXX IS THE CAUSE OF ALL OF THIS WITH ME BEING A FRAUD VICTIM AT THEIR BANK..AND XXXX XXXX REP DID NOT LINK MY NEW CHECKING ACCOUNT TO MY LINE OF CREDIT, MY LINE OF CREDIT WAS ALREADY LINKED TO MY OLD CHECKING ACCOUNT BEFORE I WAS A VICTIM AT THIS BANK, AFTER THE REP CLOSED OUT MY OLD ACCOUNT AND ADDED A NEW CHECKING ACCOUNT SHE WAS SUPPOSE TO LINK THE ACCOUNT, BUT XXXX IS COVERING THIS UP ... IM SEND ALL DOCUMENTATION... XXXX KEEP SEND ME STUPID LETTERS DEALING WITH THE FRAUD ... .THE FRAUD IS OVER WITH, THIS HAPPEENED BECAUSE OF THE FRAUD AT XXXX XXXX, MY ACCOUNT WAS AND ALWAYS HAS BEEN IN GOOD STANDING... DOCUMENTS SPEAK FOR THEMSELVES, XXXX XXXX OWN BANK MANAGER SAID IN AN EMAIL SHE SENT TO ME THAT I WAS NOT LATE FOR XXXX AND XXXXXXXX XXXX XXXX..WHAT IS THE PROBLEM, REMOVE
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It XXXX Concern : I am writing to dispute XXXX XXXX XXXX ACCT # : XXXX. 

The collection reported for the item in dispute is inaccurate because this item does not belong to be. I am requesting that this item be investigated and proof that this item belongs to me is provided. An itemization of the charges does not qualify as proof that I own this item.
Product: Money transfer, virtual currency, or money service

Despite using Zelle numerous times and reporting discrepancies to TD bank, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and once the funds were transferred it is considered an wire and can not be reversed even though I did not authorize these transactions, and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have reached out to transunion several times and even send out letters regarding inquiries that they are reporting on my credit report. the last letter i sent i received a blank letter with nothing removed and the following inquires still remains. 
1.XXXX 2.XXXX XXXX 3.XXXX XXXX-XX/XX/XXXX 4.XXXX-XX/XX/XXXX 5.XX/XX/XXXX XXXX Transunion should know that they are reporting not yet proven compliant information. TransUnion has detailed on my credit report. reporting several allegations of inquiries that have not been adequately verified in a compliant manner as mandated per the FCRA metro 2 reporting regulations, namely that they do not have verifiable proof or permissible purpose and the chicanery led to subterfuge is UNLAWFULLY injurious to my credit and reputation which is clear infringement of my consumer and civil rights. instead of marking dispute on these errors after sending 3 dispute letters instead TransUnion ignored my letter. i informed them that i did not authorize anyone employeed by the companies to make any inquiries and view my credit report. this is a violation of the Fair Credit Reporting AcT section 1681b ( c ) and a serious breach of my privacy rights. i requested that they remove the fraudulent inquiries from my credit report immediately that is maintain under my social security number.