23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am submitting this complaint because I am being extremely affected by United Wholesale Mortgage. 

I have a late payment reported on the above account and it is making my financial life miserable. This incident occurred on XX/XX/2020, during the worst covid-19 scenario. I was one of the affected.

Besides the covid-19 situation, there was a third-party company that was handling my payments and did not do what they were supposed to. This company failed to make my payment, stating that there was a system error and they apologized for the inconvenience. ( I have attached proof of what I am saying ). 

I have three properties financed with UWM, had enough money in bank, I had setup auto pay which didnt go through. In addition, since I had moved to a new address, I didnt get late notices, in the midst of this he was struggling with XXXX XXXX. I have 2 other loans with UWM that are open and paid on time.

Both situations ( XXXX and the third-party company error ) became overwhelming at the moment they happened and they were both not in my hands. I find it really unfair to have a late payment reported now because of somebody elses error and because I was really XXXX. This was not a monetary issue. I did have enough money to pay. You can check on your records that I made the payment next month, right after I saw the late reported and received the third-party company letter. 

I even called to try to fix this, but the representative sounded really unwilling to help me, stating that I should contact the credit bureaus, when we know that the one that makes the final decision is the creditor. The credit bureaus just follow the creditors indications. 

My demand is based on many damages and all the violations that they have committed : Deceptive business practices, Providing false information over the phone, Reporting discrepancies across bureaus, Negligence, Misrepresentation of facts, Unfair business practices and Violation of Cares Act. 


I WANT THIS ITEM REMOVED FROM MY CREDIT REPORT ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to XXXX, XXXX and Equifax for an account that I was not familiar with. The account name is XXXX XXXX XXXX XXXX, and the amount is {$730.00}. XXXX completed their investigation and removed the account. Equifax and XXXX completed their investigation and advised the information was accurate. I spoke with Equifax over the phone and the representative stated that their investigation was concluded by the creditor XXXX XXXX XXXX XXXX XXXX ) who actually sent the account to them to place on my credit report, not by Equifax or a third party. I spoke to the creditor, and they could not give me any information regarding the account, other than it was sent to them by another company, and they would only accept payment. This seems to be a conflict of interest. XXXX was not able to find evidence that I had an account with XXXX XXXX XXXX. I also disputed an account with XXXX XXXX  for {$200.00} that was on my credit report as a charge off, but it was paid with the original company. I did not have any business with XXXX XXXX. All three bureaus completed their investigation process and XXXX removed this account as it was not accurate. The remaining two bureaus updated the account as paid. None of the three bureaus have the same information. Neither of the above accounts should be on my credit report. I have attached the copy of the two disputes that were updated as mentioned.
Product: Credit card or prepaid card

The person in the store where I bought items, used my personal information to open the credit card. I have never received that credit card neither use it. The Comenity bank where the account was opened start calling me. I told them it is not me who use that card. I did not want it would affect my credit score and I paid the balance. They said it is XXXX now and ai asked to close my account. Later on I saw that account is still opened and it is balance again. I called the bank again and they said it was late fee and the interest I did not pay. I paid it again and asked them again to close the account but it is still on my credit score report. I called them again but they do not do anything.
Product: Mortgage

Hello, My complaint is to correct the negative information reported to the credit bureaus regarding my mortgage loan. On XXXX XXXX, 2017, I was approved for the NC Foreclosure Prevention Fund. All parties were notified. To avoid getting 30 days past due and avoid the negative reporting, I made the XXXX 2017 payment on XX/XX/XXXX, since I knew the program was not going make the XX/XX/XXXX payment in time. <P/>I called PNC @ XXXX on XXXX XXXX, 2017 @ XXXX XXXX to inquire on the XX/XX/XXXX payment to avoid a missed payment. I was informed that the bank received 2 payments that will be applied for the XX/XX/XXXX and XX/XX/XXXX payments since the XX/XX/XXXX payment had been made. I explained that I was calling to verify if I  needed to make the payment so that the account does not go past 30 days. I also verified that there was no negative credit bureau reporting. The representative confirmed that there was no negative credit bureau reporting. <P/>I contacted PNC @ XXXX on XXXX XXXX, 2017 at XXXX in response to the letter dated XX/XX/XXXX. The representative informed me that the payments were received and to disregard the letter, it was mailed in error. I explained the date on the letter and also asked to verify no negative credit bureau reporting. The representative confirmed the two payments were received from NCHFA and there was no negative credit bureau reporting. <P/>I contacted PNC @ XXXX on XXXX XXXX, 2017 @ XXXX in response to the letter dated XXXX XXXX, 2017 regarding negative credit bureau reporting. I informed XXXX of the prior calls and asked about the negative credit bureau reporting. She advised me that the negative credit bureau was because the XXXX 2017 payment was posted to the account on XX/XX/XXXX. I advised of the prior calls and asked to dispute the information. She said that she ca n't account for anyone else, but she is telling me that PNC reports when a late fee is applied to any account. I explained that the payment did not exceed 30 days and did not warrant a negative credit bureau reporting. She said because after the XXXX the late fee was applied to the account, PNC reports that information. I explained that I would like to dispute since I called 2 times prior, the calls are recorded and the payment was past the 15 days but not 30 days late. She said that she would submit a complaint but they will not do anything about the negative credit bureau reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on this website with CFPB over unfair hotel holds on my card after checking out during the XXXX  week in XXXX FL and that has led to retalization on XXXX XXXX XXXX card status. I have had this card for over 22 years and they made a decision to disallow my PAY OVER TIME feature of this XXXX status card. 

The reasons listed by XXXX  in the letter sent by XXXX XXXX are fraud and it has resulted in XXXX XXXX underwriters taking away benefits that I just paid {$550.00} for in Card Fees. 

Please have XXXX XXXX reverse their decision.
Product: Debt collection

I am experiencing harassment from a company that has been persistently contacting my relatives, bombarding them with phone calls, and issuing threats to both them and me over a past due amount linked to a firm called XXXX. I suspect that their operations are not legitimate. Furthermore, I kindly request your understanding as I lodge a formal grievance against this entity, Global Solution Biz LLC . The contact overseeing this matter is XXXX XXXX from the UCC Lien Enforcement/Litigation Division . 
Please note that the contact details are : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, Georgia XXXX
Product: Credit reporting, credit repair services, 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 : 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 XXXXXXXX XXXX XXXX XXXX  has violated my rights. 

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: Mortgage

My mortgage was bought by M & T bank. They charged me an extra {$420.00} this month in my mortgage despite me having an amortization schedule of my original loan. They have not been helpful in figuring out the discrepancy in the payments.
Product: Credit reporting

My name is XXXX XXXX, I have credit card with XXXXBank and I owe XXXX on it. The online banking offers customers a way to check their credit score by clicking on and signing into to a link to the Transunion Credit Score Check. It is showing I owe {$330.00}. I have attempted to have XXXX Bank remove the charges because the last credit card rep at XXXX Bank, XXXX, whom I spoke with earlier this week, confirmed that I owe XXXX on all my cards. XXXX suggested I go to " XXXXBank Tech Support '' and since then, I have been unable to actually reach a " tech support '' person by phone, I have written to them as well. I have received no response assuring me that they have confirmed the information that I owe nothing and have had no assurance that " tech support '' has done anything on my behalf or is working to have the {$330.00}. bogus balance removed. Please advise.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX XXXX  XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries on my report, addresses, names that dont belong to me as well as some accounts
Product: Bank account or service

Us bank located at XXXX XXXX in XXXX XXXX XXXX recently opened up some financial service in my name and private information. I am being forwarded recent letters from an address in XXXX in 2013 stating my accounts are active and to contract them immediately due to usps address change. They also sent emails which were forwarded to an investigation company where I learned that the account has been closed yet they are unaware as to whom is contacting me from the bank. I had a team of investigation on the phone mediating contact.And they kept trying to get more information from me
Product: Mortgage

On XX/XX/XXXX, I contacted Ameris Bank regarding their reporting of my account accurately. They reported that I was 30 days past due when I was not. I am currently in temporary modification until XX/XX/year>. After XXXX, my regular payments will be {$1600.00}, the temporary modification payment. When reporting that I am late, they say I'm 30 days late and am not behind on {$2100.00}, which is accurate. My original monthly payment is {$2000.00}, not {$2100.00}. I paid my modified payment of {$1600.00}. In XXXX, when I called, they performed a credit dispute, and it fixed the error. I called on XX/XX/year>, with the same issue, and the rep refused to perform a credit dispute and told me to email XXXX, their research team, so they can research it and fix it. I kept getting error messages when I emailed, and my email was not going through. All reps have advised me they are legal to provide information when I say it is inaccurate. Their response is we are legally supposed to report, and I respond with yeah, accurate info, they its accurate when its no. I have attached a copy of the emails that bounced back, the XXXX report showing the inaccurate reporting & showing the accurate monthly payment not in the payment plan. Loan number is XXXX
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN 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.

EXPERIAN 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: Consumer Loan

I financed a car years ago from Chrysler Credit Motor, the car was repossessed and was sold for more than what I owed on the car. It shows on y credit report loan was paid off. Now years later when I filed my income taxes they are withholding my refund stating it was for payment of the sales tax that was owed on the repossessed car. I do not understand how this is possible because I would not have been able to tag and register the car if the sales tax was not paid or why it has not came up in the past years since the car was repossessed..
Product: Vehicle loan or lease

On XX/XX/2020 someone without my authorization ran my credit to obtain an auto loan and I tried calling XXXX  to fix this and they would not help
Product: Vehicle loan or lease

On XX/XX/XXXX, the insurance agent contacted PNC to obtain a payoff since the car was totaled. On XX/XX/XXXX the check was issued. I have contacted the PNC bank on XX/XX/XXXX and XX/XX/XXXX to see why the funds have not posed to the account. On the XX/XX/XXXX the representative stated it will be applied with with in 10 business days. I called on XX/XX/XXXX first time the agent tried to collect even though I had previously told PNC agent I am filling bankruptcy. The supervisor called back and could not provide any on formation on why the insurance check was not applied to the loan.
Product: Checking or savings account

i will use XXXX XXXX  and after i use XXXX XXXX XXXX from my pnc bank account i will check my account and see the money is immediately debited from my checking account showing the new balance, yet days later the same amount is deducted from my account. this has happened a lot and all pnc can tell me is that its because the merchant may not take the money i spent until days later which makes no sense that the funds are deducted from my account again days later. i have a XXXXXXXX XXXX  account also anXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  using their bank this never happens, it will show the funds are on hold and the funds are never deducted again days later. i used my pnc account on the XXXX of XX/XX/year> and on the 1st my banl account when into negative due to the same money i used on the XXXX was deducted again. pnc has no logical explanation for this. theres something wrong with their computer system or something, this has happened many times with pnc bank and now i know ive been getting ripped off. i want pnc bank investigated and my records pulled and gone over by a private accounting firm to see pnc is ripping people off due to some reason either clerical or computer errors. pnc owes me thousands of dollars
Product: Debt collection

XXXX XXXX has sold my debt, or has hired, Direct Recovery Services. This collection company has been contacting one of my co-workers at my place of employment. I am not sure how they got his contact information. They are the type that call from different phone numbers. Today I called them back on the number that they left on my co-workers ' voice mail : XXXX XXXX XXXX XXXX. I told them that they were contacting a third party about this debt and requested that they remove his phone number from their system and also asked them to stop contacting me at work. The other number that they have left on my co-workers voicemail before is XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

Dear CFPB, On XX/XX/2019 I called XXXX XXXX. I asked when my promotional period ends. The customer service agent told me that my promotion will end midnight XX/XX/2019. 

I then told the agent that I DO NOT want to continue service past XX/XX/2019. 

I told agent to CANCEL my service on XX/XX/XXXX, and specifically told the agent DO NOT auto-bill my Discover Card because I am CANCELLING service. 

Once my service was canceled ( or so I thought? ) I returned all the equipment XXXX on XX/XX/2019. 

I then received a bill for {$170.00} on my Discover Card later in XXXX for services I did not use ... and for which I explicitly CANCELLED. 

Unlike ALL other utility service providers, XXXX is unable/unwilling to do future cancelation of services. 

However because I returned my equipment 37 hours and 52 minutes LATE I was billed the entire month of XXXX because I was still considered IN CONTRACT. Even though, on XX/XX/2019 I informed XXXX that I was canceling service. 

No customer is able to return equipment exactly at midnight when their contract expires. So the very next day when you return the equipment you are considered LATE and will be billed for an entire month by XXXX. 
I would consider that deceptive, misleading and unfair billing practices. 

I have sent numerous letters to both XXXX XXXX and Discover Card to resolve this issue of deceptive billing practices. Both times Discover Card has chosen to ignore XXXX XXXX 's malicious and unfair billing protocols and have agreed in their favor ... not to protect the consumer.
Product: Debt collection

By not replying in a timely manner to my initial letter on XX/XX/2021, the company have not only violated federal and state laws, but also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Additionally, they have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.
Product: Student loan

I am a former XXXX XXXX XXXX XXXX student XXXX All federal loans related to this predatory school have been discharged because there was proof of misconduct. I am a XXXXXXXX XXXX XXXX class member, and my federal loans are related to XXXX has been discharged. 
I filed a XXXX XXXX XXXX with NAVIENT, which included over XXXX pages of documentation ( besides all the known facts already discovered ). In a couple of weeks, I received a denial from NAVIENT stating : " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct, and you do not meet the requirements for discharge based on misconduct by your school. '' This response is absurd and it seems to prove the enjoyment this company gets from not doing the right thing, as there is plenty of evidence and legal decisions stating the fact XXXX incurred in school misconduct and corruption. 

NAVIENT is ignoring the facts and freely denying due process and correcting their wrongdoing with thousands of XXXX former students
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX  XXXX Account Number : XXXX
Product: Debt collection

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

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on LVNV FUNDING LLC XXXX Balance Owed : {$1400.00}. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate.