23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Approximately XX/XX/XXXX I made my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payment as two separate payments. The first payment was for {$4300.00}, but after receiving my statement, I realized my payment had increased and sent in another payment of {$90.00} to cover the remaining part of XXXX XXXX payment. I noted on the coupon and checks that nothing was to be applied to fees or principal. 
The bank on XX/XX/XXXX processed my payment by applying funds of {$1400.00} to the XXXX payment, {$14.00} applied to fees and {$2800.00} applied to additional principal. My last payment of {$90.00} on XX/XX/XXXX was applied to fees. 
On XX/XX/XXXX, I called and advised of the misapplied payments and spent over XXXX minutes with a XXXX who said she opened a ticket to apply the payments correctly. I followed up on XX/XX/XXXX via phone and opened a ticket on XX/XX/XXXX with their online help center. I called again on XX/XX/XXXX via phone and the online center and was advised that they were already in the process of fixing the payment errors. 
I have made additional inquiries via email, phone and tickets but have not had this issue resolved. My mortgage is now reporting over 30 days past due and late fees have been applied to my mortgage, even though my next payment due should be XX/XX/XXXX. 
They never replied to my emails sent on XX/XX/XXXX or XX/XX/XXXX. They have exceeded the original 10 days promised to fix the next 15 days, 30, and 45 days from my original inquiry on XX/XX/XXXX via phone or the written request of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I requested an old late payment to be removed. As the creditor, they are the only ones who have the power to do this. I stead of stating they are unwilling, they flat out told me they do not have the option and to go to the credit bureau, which is false. I am filing this complaint because they flat out lied to me and hung up on me.
Product: Credit reporting or other personal consumer reports

I sent letters on XXXX XXXX  and XX/XX/ - the last didn't received the requested information. I have included a summary of the letter.Enclosed is a list of accounts that you claimed were verified. Thank you for your prompt attention to this matter. 
XXXX XXXX XXXX with account number XXXX I disputed this account and nothing was sent to me to legally verify this account XXXXXXXX XXXX with account number XXXX I disputed this account and nothing was sent to me to legally verify this account Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided to completion of your investigation. 
The Fair Credit Reporting Act ( FCRA ) is a federal law that protects consumers from inaccurate and unfair information in their credit reports. Under the FCRA, Consumers have the right to dispute inaccurate information on their credit reporting agency can not verify it.The FCRA also requires credit reporting agencies to investigate and respond to consumer disputes within 30 days of receiving them. If the credit reporting agency can not verify the accuracy of the disputed information, it must remove it from the consumer 's credit report.If a credit reporting agency refuses to remove inaccurate information from a consumer 's credit report, the consumer may sue the credit reporting agency for damages.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 6802 ( Obligations with respect to disclosures of personal information ), 15 U.S. Code 1681s2 ( Responsibilities of furnishers of information to consumer reporting agencies ), and 15 U.S.C. 1681e ( Compliance procedures ), all information on my credit report must be accurate and verifiable. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( Treatment of inaccurate or unverifiable information ), any inaccurate or unverifiable information must be corrected or deleted from my file.

Specifically, the inaccuracies include : 1. Account Number : The account number differs from what is reported on XXXX. 
2. Date Last Active : The date last active is inconsistent.

3. Date of Last Payment : The date of last payment is incorrect.

4. Last Reported : The last reported date is inaccurate.

5. Payment Status : The payment status is incorrectly reported.

6. High Credit : The high credit amount is inaccurate.

7. Date Opened : The date opened is inconsistent.

I request a thorough investigation and correction of all erroneous information. I expect written confirmation of the resolution within 30-45 days.

Please be aware that if my request is not addressed within the stipulated time, I am prepared to seek legal action. Under FCRA, I am entitled to claim {$1000.00} in damages for each inaccuracy. 

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

For myself and my wife, Equifax is showing a balance due still for this mortgage that we had a completed XXXX for. As of XX/XX/2015 the owed balance should be {$0.00} no more late payments after that date. 

They however still show a balance due of over XXXX and over XXXX as " past due '' XXXX XXXX  XXXX and Equifax have been contacted numerous times but ignore the problem. I need it fixed so we can get a new mortgage starting XXXX of this year ( 3 year waiting period )
Product: Credit reporting, credit repair services, or other personal consumer reports

This Dispute started in the spring of XX/XX/XXXX with XXXX XXXX. After over 15 years of service from this company I dealt with misleading information, fraud, lying, breaking of contract agreements on their part, and horrible service. I decided I had enough after trying to resolve all the issues and disconnected their service. They have tried to collect a disconnect fee of {$230.00} ever since XX/XX/XXXX. First by sending it to the collection Agency XXXX in the spring of XX/XX/XXXX. This resulted in my Credit Score being lowered by all three Credit Bureaus. I then filed a dispute with all three and XXXX. All three credit bureaus removed the report and XXXX dropped the collection. 

Now here we are a year later and XXXX simply moved the collection fee to a new collection agency XXXX XXXX. Again my credit score was lowered and now I am disputing this unreasonable charge with them and XXXX XXXX. At this time XX/XX/XXXX and XX/XX/XXXX have again agreed to remove the report, but for whatever reason Transunion is still being difficult even though they had no problem removing it last year. I have appealed their first decision and filed a second dispute with Transunion. I have also told XXXX XXXX I will not pay the fee and informed them of the history of this collection. 

Below is an outline of some of the issues. I will attach and upload some supporting documents, but many were destroyed last year after I thought the issue was resolved. 

The original Creditor ( XXXX ) charged the fee as a disconnect charge I did not agree to pay. 

XXXX service was disconnected as a result of their horrible service, fraud, misrepresentation of their contract, lying, and a total dissatisfaction with their organization. 

This same collection popped up last year and XXXX, Transunion, and XXXX removed it from their files and the collection agency XXXX dropped it as well. Regarding the current collection issue with XXXX XXXX, Transunion is dragging their feet and XXXX XXXX will not drop the collection apparently. 

I had several other documents supporting this dispute but they were destroyed over a year ago when all credit reporting agencies and collection companies had taken this issue off their records. 

I hope your organization can assist in ending this matter permanently as it had been a nightmare and t do not want to continue filing disputes and appeals.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2019, I submitted a support ticket to Coinbase requesting my 2 Factor authentication be removed in order to allow me to access my account. I requested this service due to the fact I broke my phone and lost access to the XXXX XXXX XXXX on my phone. For awareness, 2FA allows for an additional layer of security to be implemented on many accounts. 

I received a reply on XXXX XX/XX/2019 @ XXXX EST requesting that create a new account in order to verify my identity and phone number. I complied with the request and submitted all the documentation. I was fully verified by XXXX EST on the same day. 

I currently possess XXXX Bitcoin currently store on Coinbase, which as of writing is valued at {XXXX}. I am unable to access my account and $ $ $ due to Coinbase not removing my 2FA as  requested. I attempted to contact customer support via XXXX and the automated service hung up on me immediately after stating " all representatives are busy and to submit a ticket online. '' This company is growing to provide adequate customer service. This is a financial institution regardless of anyones feelings of cryptocurrency. They transfer hundreds of thousands of dollars an hour in and out through different mediums. This is unnacceptable. 

A simple search will demonstrate this company has hundreds, if not thousands of complaints of month/s long tickets not being processed. Money lost to investors and a complete disregard for the well being of their customers. 

I would like my case looked into and resolved, I am sure I am not the only one. 

My ticket number is XXXX. 

I have gone as far as creating new tickets with the previously listed number as the titled issue. They simply cancelled the new tickets.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX XXXX You Wells Fargo have report all late payments on my consumer report. They are cause stress and embarrassment to my public reputation as I am not able to apply for extensions of credit. So I am asking. 

1. I am requesting appropriate documentation that CLARIFIES How I am late on a payment AND which LAW states that you are allowed to furnish these negative items.

To my understanding there is no law that states a financial institution has the right to furnish ALLEGED late payments on any consumer report.

Under truth in lend act late payments arent even defined.

2. I am requesting appropriate documentation thats states I gave you CONSENT to share my non public information. 

If the follow documentation can not be presented I am requesting that all the payments are UPDATED in GOODSTANDING and XXXX out the balance.
Product: Money transfer, virtual currency, or money service

I've been investing in XXXX since 2016 through Coinbase. As of XX/XX/XXXX I was unable to get into my account or even use the app at all. They have a message that says they closed my account but gave me zero warning. After submitting complaints they send me a automated mess that says in can withdraw my money, $ XXXX, but the app doesn't work and the website only gives me the option to close account. I want my hard earned money and their business practices are obviously legal. I've tried to be civil about this. All I want is my money. Please help.
Product: Checking or savings account

Mobile deposit into Usaa account XX/XX/XXXX with a XXXX  XXXX check of {$100.00}. Check was then cashed by someone who stole the check, on a XXXX XXXX  account XX/XX/XXXX. The funds were then taken from my Usaa account to pay the XXXX XXXX for the cash they gave to whoever cashed my check. The XXXX  XXXX account holder of the check only has the debit from XX/XX/XXXX on her account so theres nothing XXXX XXXX can do. Usaa has the account number of the XXXX account holder that the check was cashed on but can not give any information due to privacy policies. I have been back and forth with Usaa and XXXX   XXXX for over 2 weeks with no results. I just found out that XXXX XXXX is where it was cashed but I don't bank with XXXX  and never been to a XXXX XXXX for that matter.
Product: Credit reporting or other personal consumer reports

I received XXXX pieces of mail from Bank of America ( I have no accounts with this bank ) The first is a letter stating that a request to open a deposit account has been denied ( I didn't try to open an account ) The second XXXX pieces of mail are XXXX separate identical checks for {$10.00}. stating " Enclosed you will find a check from your Bank of America Prepaid card account. You will see this as a debit on your account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out because I am at a complete loss right now. I am attempting to get a mortgage and my credit reports show I have XXXX  missed payments to my student loans. When I investigated this further it shows I have XXXX missed payments from XX/XX/XXXX and XXXX missed payments from XX/XX/XXXX. I disputed this with the credit agencies and they came back and stated that they verified the information and they can not remove it. I then requested my student loan status history. For all XXXX of the reported missed payments I was in economic hardship deferment. I was in deferment XX/XX/XXXX to XX/XX/XXXX and also XX/XX/XXXX until XX/XX/XXXX. The missed payments being reported fall within these times of deferment. I wrote a letter and attached supporting information to XXXX and they wrote a letter back stating that I am still responsible for the missed payment and they can not retract the negative mark from my credit. I have been so stressed out about this! It does not seem fair that while I was in economic hardship deferment they can " kick me while I'm down ''. I then called XXXX XXXX reporting line on XX/XX/XXXX right before I wrote this email and while the guy I spoke with understood and agreed with what I was saying the only advice he could offer me was to write a letter to XXXX. I explained that I did that already and he stated there was nothing he could do. 

I am hoping that you can help me get this resolved or point me in the right direction. I am a single mother and have two small kids and I really just want to provide a house, a place they can grow up, and I am being haunted by missed payments that should never have been reported in the first place.
Product: Credit reporting or other personal consumer reports

My account with 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. 


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 or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit.It 's My understanding that transunion will investigate this account for me to ensure accuracy here is the account i am asking you to verify as accurate Account name XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts that were included on the discharged bankruptcy XX/XX/2020 are just appeared back on my credit as new delinquency.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed XXXX XXXX XXXX. I have never heard of this company nor did any utility business with its original creditor.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion, XXXX, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, personal credit card account opened at Capital XXXX opened on XX/XX/XXXX Personal Credit card account opened at XXXX XXXX opened on XX/XX/XXXX, an auto loan account opened at XXXX opened XXXX XX/XX/XXXX under the account number XXXX, personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX, XXXX Cred XXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX, Medical account opened at Synerprise account opened on XX/XX/XXXX account number XXXX, Property Management account XXXX at Management Supp opened on XX/XX/XXXX account number XXXX, and Public Record XXXX XXXX Chapter XXXX Bankruptcy opened on XX/XX/XXXX account number XXXX. These hard inquiries XXXX XXXX XXXX, and Arizona XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Revenue Group is calling me frequently to collect a debt I am not responsible for. They called a few time almost every day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reported to all 3 bureaus, and all said closed account, now they updated to charge off/collection except XXXX. How is there a balance on an account that was reported closed. Now its saying charge off/collection on 2 reporting agencies. ( XXXX and Equifax ) after XXXX deleted it first! Account was reported closed XX/XX/2021
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, Subject : Dispute of Inaccurate Reporting of Late Payments Account XXXX XXXX XXXX XXXXXXXX I am writing to formally dispute the inaccurate reporting of late payment on my credit report concerning the account referenced above ( XXXX XXXX XXXX XXXX ). Upon thorough review, I have identified discrepancies in the reporting, which I believe may constitute a violation of the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S. Code 1681.

The reported late payment on the aforementioned account are inconsistent with my payment history. To the best of my knowledge and based on my records, I have consistently made timely payments in accordance with the terms of our agreement.

In accordance with 15 U.S Code 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between me and your company. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 U.S Code 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15. 
Reference to PAANL ( Paid as Agreed Never Late ) The terms of our agreement have always been adhered to, and the accounts in question should reflect a status of Paid as Agreed Never Late based on the timely payments made. It is imperative that my credit report accurately represents my financial and commitment to meeting payment obligations.

I hereby request that you provide documented proof supporting the claim of late payments on these accounts. This proof should include specific details such as dates, amounts, and any relevant communication indicating that the payments were indeed late, in the absence of valid proof, I expect the credit reporting to be rectified promptly.

If, after a thorough investigation you are unable to provide verifiable proof of late payments, I demand that the accounts be promptly updated to reflects its accurate status as Paid as Agreed Never Late. Per the FCRA, I request that you conduct a timely investigation and provide a written response 30 days from the receipt of this dispute letter. Failure to adhere to this timeline will be considered a violation of the FCRA. 
I appreciate your immediate attention to this matter and expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is essential in ensuring the accuracy and fairness of my credit report. 
Thank you for your time and consideration. 
Sincerely, XXXX XXXX XXXX
Product: Student loan

Although I have been paying on my student loans since XXXX, I've noticed that the balance of same has not gone down that much. In XXXX, I filed for chapter XXXX bankruptcy ; however, my Navient student loans were included in the repayment plan. Since the discharge of my bankruptcy in XXXX, I have continued to pay on time, the full amount of the loan. During that time, I noticed that the loan payments were broken up and then without notice, they were added back together. This, in my opinion, was in an attempt on Navient 's part to charge more interest. Since XXXX, the amount owed for my student loans has barely changed. I addressed this with the customer service and was only told that the interest is charged up front.