23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Since our local bank sold our mortgage to LoanCare LLC, they have TWICE failed to post payments our bank guarantees LoanCare received. In the commission of those errors, they have also attempted to assess late fees. After LoanCare made the 2nd error, we sent a certified letter with attached proof of payment to LoanCare instructing LoanCare to acknowledge receipt of our letter within 5 business days, correct the error, remove any fees associated with their error, and correctly post our payment on the date it was received within 30 days of their receipt of our certified letter. The letter provided written instructions to contact us by mail for further information they might need to correct their error. We have received neither acknowledgment of their receipt of our letter nor communication requesting additional information or time necessary to correct their error. These errors are common for LoanCare and in continuing to make the same error repeatedly are in violation of the terms of our mortgage as well as in violation of Federal law under the Error Resolution Notice Act 12 C.F.R. 1024.35.
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 XXXX  .Has violated my rights. in accordance with the Fair Credit Reporting act XXXX Account # 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 16663 A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquiries across all XXXX credit Bureaus pertaining to my account. I've sent out dispute letters to all three bureaus as well as contacting them over the phone on XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX XXXX Transunion ). XXXX XXXX Transunion were able to remove a few of my inquiries but did not take care of them all as requested with no reasoning. XXXX asked that i submit an identity theft report ( attached ) before looking into my inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate pieces of information about my inquiries are still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX XXXXDate of inquiry XX/XX/2021 XXXXXXXX XXXX-Date of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Making another complaint because they refuse to work with me in any way and are now intentionally reporting false information to the credit bureaus, making it impossible for me to qualify for anything because they are reporting that I am making MONTHLY payments of {$5500.00}, which is completely false. Even it was was true it wouldn't make any sense financially and I wouldn't pay it anyway and I will not pay what is left. This will be my last attempt to settle the matter before I moved up to the DOJ and pursue further action. I was severing in the military from XX/XX/XXXX, until XX/XX/XXXX. Given that the vehicle was repossessed during this time of service without my written consent or court appearance " according to Chases own SCRA act statement '' this may be grounds for violation. I hope you will work with me on this. I am not making monthly payments of {$5000.00}, this is not accurate and has been false. I have tried to fix this, I have asked you to fix this, please work with me. I want to be done with this account and you guys.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureau to do a thural investigation to verify everything on my credit report and they did. It's stated that everything is accurate which that statement is wrong. I did my own investigating and found numerous inconsistencies on my credit report even after they did their 's. 

Account name : XXXX Account # XXXX In accordance with the Fair Credit reporting Act. 
XXXX  account # XXXX XXXXXXXX, has violated my rights, 15 U.S.C 1681 SECTION 602 A states I have a right to privacy 15 U.S.C 1681 SECTION 604 A states a consumer reporting agency can not publish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I have contacted SYNCB/JCP To fix problem the account has been close since XXXX XXXX on my XXXX and XXXX XXXX on my XXXX report
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX AND Equifax but even more so XXXX since they are assessing me a fraudulent insufficient rating in my opinion have kept a 20+ year old student loan that was intiated when I was about " XXXX years old '' at a hair dressing school for which I was NEVER given loan information, counseling nor ever had it properly explained to me. I was NEVER even told the amount being borrowed in my name NOR given any documentation at the time. The loan was taken out by " then owner '' of XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX. I " believe '' by the former owner XXXX XXXX or XXXX or one of his appointments handlers at the school at that time ( circa XX/XX/XXXX ). 

Both XXXX AND Equifax have had this single loan listed NOT ONCE but " 3 '' times on my credit report! This should be illegal!!! I only ever had the 1 as mentioned " fraudulently obtained '' loan 20 years ago ; which furthermore it was a trade school & I was unable to finish & only attended a few months " part time '' no less & as a result returned all of the equipment & books & materials given to me when I first enrolled. A clerk at the school assured me that ANY loans taken by the school in my name would be canceled out! CLEARLY ... I discovered to my HORROR that this was a LIE! Not only was it never canceled out ; it was reported as delinquent some years later for which I " hand wrote '' letters of dispute to the Big 3 Credits Bureaus at the time. Not only has the loan not been removed from my credit history it is, as mentioned reported on my XXXX XXXX account as " 3 closed & unpaid student accounts ''! This is a fraudulent account & I have been victimized by this single situation almost 20 years now! I've been denied jobs, apartments, credit cards, personal loans ALL because of this singular false accounting which is listed as 3 by both XXXX & Equifax! This is a long time abuse upon me as a citizen in this country, especially since, I have NEVER had a single credit card, personal loan or mortgage yet to this day at almost age XXXX & being refused things like shelter and employment based on a fault credit history is an absolute disgrace & needs to be addressed immediately! PLEASE MAKE THEM FIX THIS!!!
Product: Debt collection

I applied but did not accept admission into California XXXX University XXXX XXXX and was contacted almost 2 years later that I owed them a substantial debt for tuition. The school was non-cooperative and sold the debt to a debt collection agency. This is not my debt as I have never attended or enrolled in this school.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have been paying the North Carolina state Credit union XXXX XXXX balance but I can not use my credit card. My online status states revoke. But they are charging interest and I have a saving account with money in it. Would that not be collateral. They did not offer me anything. Why can my credit card not be reinstated, especially due to the Covid pandemic? I am making payments. I do not receive a mail-in bill for the credit care statements. Also when I go online it wants me to sign up for paperless. I never received a credit card bill. 
Please advise. 
Current Balance : {$2800.00} Credit Limit : {$4000.00} Available Credit : {$1100.00} Last Payment Date:XXXX Last Payment Amount : {$170.00} Annual Percentage Rates Purchase APR:7.75 % Cash Advance APR:7.75 % As of the Last Statement : Next Payment Date:XXXX Minimum Payment Amount : {$0.00} Last Statement Balance : {$3000.00} Amount Past Due : {$0.00} Days DelinquentXXXX YTD Interest Paid : {$170.00}
Product: Credit card

Citibank arbitrarily, without notice or more importantly without justification closed my Double Cash account in EXCELLENT standing on XX/XX/2016, simply b/c I disputed a {$32.00} charge for which I submitted detailed information to support the minor dispute. Citi advised me in writing that as a result of its investigation, my dispute was meritorious and it credited my account for {$32.00}. Then it was summarily closed without notice or justification. 

Besides being a loyal Citigold banking customer, I had had this acct for more than a year with 0 % APR on purchases. During this time, the following happened : 1 ) Citi increased my credit limit without my even having to request it. 
2 ) I made more than {$40000.00} in payments in advance of any of it being due b/c of the 0 % APR. 

I called Citi to inquire why my acct was suddenly closed which I learned when I was trying to catch an XXXX home for {$5.00}. The reps were apologetic and after reviewing my acct, could n't explain why except to say that there was a " security risk. '' So I did n't understand why I was n't contacted if Citi noticed suspicious activity. Instead, I was advised to write to Citi 's Office of the President. I have since written twice to Citi, first on XX/XX/2016, and again on XX/XX/2016, when I received no response from Citi. 

It 's impossible and unreasonable to think that after my making over {$40000.00} in advance payments on an acct with 0 % APR that Citi independently deemed as being in excellent standing and increased the credit limit to {$7500.00}, that my disputing a {$32.00} erroneous charge for which Citi issued a permanent credit in my favor would constitute anything but a " security risk. '' Citi 's actions were unwarranted and remain unjustified and have adversely impacted my credit history. I have followed Citi 's instructions to write to its Office of the President ( when electronic communication is the most efficient and expedient way to communicate ) but have received no response. Twice. Citi 's silence can only be imputed as its admission of negligence and its failure to correct its patent error in closing my acct and deeming it/me a " security risk '' without justification or explanation.
Product: Checking or savings account

I deposited two payroll checks to my checking account through the ATM on XX/XX/XXXX. The funds were available online on XX/XX/2021. Two hours later the funds were removed from my checking account. They informed me that they believed that the checks would not be paid. When I questioned them about why they believe the payroll checks would not be paid ; they were unable to give me a logical explanation. Keeping in mind that a payroll check from the same company, with the same account, and from the same bank ; was paid XXXX weeks prior. I believe that there some type of malicious behavior on the part of one of Navy Federals employee XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

I have had XXXX hard inquiries on my credit report that I did not authorize. One by Capital Bank on XX/XX/XXXX and another by XXXX XXXX  on XX/XX/XXXXXXXX XXXX
Product: Debt collection

MY IDENTITY WAS STOLEN SEVERAL YEARS AGO BUT THIS IS THE FIRST TIME I NOTICED ANYTHING ON MY CREDIT REPORT WHEN THE PERSON HAD AN ACCIDENT AND HAD MY ID AND SOCIAL SECURITY CARD WITH HER. THE XXXX XXXX CALLED ME THINKING THEY WERE GETTING IN TOUCH WITH MY FAMILY BUT IT WAS ME. I WAS FLOORED TO KNOW THE PERSON HAD BEEN CAUGHT. I'M STILL DEALING WITH THIS ISSUE FROM A COLLECTION THAT HAS TO DO WITH MY IDENTITY BEING STOLEN.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, XX/XX/XXXXXXXX XXXX was never late! I have had exceptional payment history witH XX/XX/XXXXXXXX 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 60 days 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX,XX/XX/XXXXXXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 8
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX. refused to acknowledge Roundpoint illegally cashed payment made in XXXX. Customer Service received our complaints dozens of times, without remedying the problem. 
Copy of communications and bank statement evidence previously submitted are attached to this complaint.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities.

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Employer - XXXXXXXX XXXX  Employer - XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Listed below are the Accounts that are being challenged AHF - XXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus failed to positively verify collection accounts. Credit bureaus did not provide me a copy of verifiable proof for alleged accounts listed below XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX Experian ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX
Product: Debt collection

I, XXXX XXXX, am a federally protected consumer. I requested validation of this alleged debt and cease and desist with Capital One. This validation letter was recieved by Capital One on XX/XX/2020. I have no received a response from Capital One regarding this alleged debt and I have received countless calls from this company regarding this alleged debt which did not honor the cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has refused to remove the three fraudulent inquiries. Ive also sent in an FTC report. They still havent removed it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to have this account removed from my credit report for about two years now. This is not my account! I did not apply for this! I did not receive any benefit from this account. I have reached out to the company directly and I have also disputed with the Credit Bureaus directly. The most recent time I disputed this account to a credit bureau ( XXXX ), they stated that this account meets FCRA guidelines and that the company AD ADSTRA RECOVERY SERVICES, stated that the amount that was owed was incorrect. They updated the balance by XXXX dollar. It reflected on my credit update on XX/XX/XXXX. Then on XX/XX/XXXX they updated my account again stating that the balance was decreased by a XXXX. This company is trying to make it seem like I am paying on a balance that I do not owe. This is unethical. The account is not mine and this company is falsifying information and it is affecting my credit profile.
Product: Checking or savings account

XX/XX/18 I opened an account with this bank and the next day it was closed by the fraud department because I am on a hot list but wont tell me where they are getting the information from.
Product: Checking or savings account

LONGTIME USBANK CUSTOMER AND HAVE BEEN ABLE TO ACCESS MY ACCOUNTS AND PAY MY BILLS, TRANSFER, ETC. ABOUT 10 days ago on line I had to put in a password for a debit card. I have NEVER owned a debit card or even wanted a debit card. Long hours spent on phone & in person bank & thought situation resolved but then I was asked to receive a TEXT. I do not TEXT - I do no text and I don't want to text. Yesterday a young. woman at the XXXX & XXXX XXXX branch ( CA ) was trying to help me. I was treated as though I was an old relic from the dark ages. She was impatient. I have not been able to pay my bills. I am XXXX and there is little or no tolerance for my technical inability. I get frustrated easily and then the entire process exhausts me. I particularly object to being treated by anyone disdainfully and strongly believe that intuitions and companies find other ways. to deal with these issues.
Product: Debt collection

Portfolio Recovery Associates has put a collection on my credit report. I am not liable for this debt owed. I never received or entered into a contract with Portfolio Recovery Associates. I have never received a contract as requested only an attempt to collect a debt.
Product: Other financial service

I filled out the wrong acct # on my Tax Return and did not catch the error until the day the IRS send the money and the money was deposited into someone else 's acct. We notified TD Bank immediately of the error. TD Bank confirmed that they have the money and its is currently on hold but refuses to send it back to the IRS. The IRS says that the only way to reissue the money is for TD to return it back to them however they will not. I am at a total loss as to why they will not return the money and I need help. TD Bank is unwilling to do anything. The IRS said that this happens frequently as they often get wrong information and the Bank always returns the money. I have spoken with many employees at TD Bank and they have all said the Bank should just return the money until they get to the ACH department and that is where the refusal happens, the Customer Service Employees are told unless the IRS asks for the money back there is nothing they will do. I have spoken to the Banking Commission, FDIC, IRS, XXXX and several others all have said the Bank needs to return the money. TD Bank will not allow me to speak with anyone in the ACH Department. I am at the end of my rope as to what to do. I am placing this formal complaint against TD Bank for holding money with full knowledge that it does not belong to them and needs to be returned to the IRS for proper distribution. Please HELP!!!!!
Product: Debt collection

Lvnv Funding is reporting inaccurate information. I asked them to verify the debt and they have not. I also asked them to prove ownership of the debt. They have done neither.
Product: Debt collection

On XX/XX/2022 I paid a hospital bill that was outstanding. Shortly after that I started receiving phone calls and texts from Wakefield and Associates regarding an outstanding balance that they were trying to collect on. I contacted the hospital which verified the bill was paid and they indicated they do not hire collection agencies and were not sure who this company was. 

I am receiving harassing calls and texts from this company on a daily basis, despite me informing them this bill has been paid. This is affecting my work day with nuisance calls. I am requesting that the CFPB contact Wakefield and Associates to stop this harassment. 

Thank you
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding a potential violation of the Fair Credit Reporting Act ( FCRA ) related to the reinsertion of previously deleted information in my credit report. Section 611 ( B ) of the FCRA clearly outlines the procedures and requirements for reinserting any deleted information. 



Background On XX/XX/year>, the following information was removed from my credit report : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Date of Deletion : XX/XX/year> Recently, upon reviewing my updated credit report, I noticed that the previously deleted information has been reinserted without prior notification or proper justification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commiss

ion ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.