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

I was shocked to discover inaccurate accounts suddenly appearing on my credit report this morning. I have no idea why this happened, as everything was normal when I last checked. I tried refreshing the page, hoping it was just a browser glitch, but the errors persisted. Now I am left with questions and concerns about these inaccuracies.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment within Grace Period : The reported 30-day late payment is inaccurate because my records show that the payment was made on time, well within the creditors 15-day grace period. Therefore, reporting a 30-day late payment is incorrect.

Clerical Error : Upon review of my account, I identified a clerical error where a payment was incorrectly applied to a different due date, causing the late payment report. Documentation from my financial institution shows the payment was processed on time. 
Evidence Provided : I have attached bank statements and transaction records confirming the timely payments, which prove that no late payment occurred. Additionally, the creditor failed to notify me of any delinquency, which is a required step before reporting a late payment. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This appears to be systematic problem that would affect anyone paying off there loan, when they have a different mailing address on file, because XXXX is only mailing refunds to the property address not that of the mailing address on file. 

I had sold my house and the closing was on XXXX/XXXX/XXXX. The title company then sent the payoff funds on both my XXXX and XXXX mortgage to XXXX. XXXX was overpaid and a refund was due to me on both loans ; however, when I contacted XXXX they told me the XXXX mortgage refund was sent to the property address because I need to send a change of address. I had advised the XXXX that XXXX has my correct mailing address for many years now, because this was a rental property and a " change of address '' to XXXX was not needed. I was already getting mortgage statements, etc. from XXXX at the correct address. Then after the run around, I finally got XXXX to cancel the XXXX refund checks sent to the property address and reissue them. However, they then again sent the refunds to the property address! Again after the run around, XXXX advised they would not issue XXXX more stop pays and they wanted to wait to see if the refunds are returned to them or forwarded to me. I told them my forwarding address expired many years ago, they had my correct mailing address for many years and obviously the new owner did n't return the first checks, the XXXX set probably is n't going to be returned as well. 

I had told XXXX I was going to file a complaint, if my refund was not sent to me at the correct address and was told there was nothing they could do. Obviously this is well past the 20 days allowed to issue the refund. XXXX then continued to hold my funds at their benefit and continued to rely on their internal system, which did n't make any sense. Instead they kept telling me I needed to send them writing notice of my mailing address, but I then again reminded them it is correct in their system and has been for many years! This was a rental for 12 years, so my mailing address has not been that of the property for some time. ( It appears they only look for a newly filed change of address to send the refunds to the mailing address rather then the property address. ) This process/system needs to be investigated! 

I finally got XXXX refunds dated XXXX/XXXX/XXXX and received them in the mail shortly thereafter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX my husband received a phone call from XXXX XXXX mortgage company to see if we were interested in refinancing. My husband said we would not be interested due to the high interest rates. The next day the mortgage broker called again and asked if wed like to proceed and my husband told him that he would consult with his wife. On XXXX I received an alert from Experian that XXXX XXXX obtained a copy of my Experian Credit Report. I never spoke to this company to provide an authorization to pull my credit. I am not even an account holder with XXXX XXXX and have no idea how they were able to obtain my social security number. I also have a fraud alert on my credit report that will not allow a company to run my credit without confirming my identity via the provided phone number. No such verification call was ever made to my phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's says I applied for Chase Bank card!! I never did & I have a hard inquiry on my credit report & I never applied for anything!! It also stating I have a new Car! I never owned a car & I don't have a car!!! This is fraud!!!
Product: Student loan

I graduated in XXXX with a XXXX XXXX degree and went to work for XXXX in Ohio. My family has a long history of XXXX. I was told in XXXX that XXXX Loans enrolled me in the Public Service Loan Forgiveness program. They did n't and they went out of business. They sold my loan to XXXX. I contacted them to make sure that it got transferred properly and that 's when I found out they never put my loan into that program. They assured me that they would fix it and that my loan would be in that program. They did n't and they went out of business. They sold my loan to Mohela. I just found out today that I have never been put on the right kind of repayment plan. 

I have made 7 years of payments, always on time, and none of them count. I was supposed to have loan forgiveness after 10 years of on time payments. I just want credit for my 7 years, because I had no way to know or even no way to check if what I was told actually happened. Even if the total of my payments would have been more than what I did pay, I am willing to pay any additional funds that I would have paid, had they done what they said they were doing. 

I am XXXX years old, and I want to retire someday, sooner rather than later. I have very little to retire on because I was a military spouse for 20 years and had a sporadic work history, and now I work in XXXX, so the social security administration is going to cheat me out of a lot of my retirement because I get XXXX retirement for part of my work history. ( That 's another messed up financial situation that your agency should look at. ) I will probably have to buy a mobile home with money I get from my parent 's house when they pass away, just to be able to afford to live in retirement. I ca n't pay student loans in retirement. If I could discharge them in bankruptcy, I would since I feel like I have been cheated. I have always paid all of my debts. I even almost lost a house in the recession but worked really hard to sell it at a loss rather than default. I lost XXXX dollars in home-ownership in the recession, because when I sold house number XXXX, it was XXXX and I had no idea that the whole economy would tank in XXXX. I purchased a condo in XXXX and it is currently worth XXXX less that I originally paid for it. 

When I first discovered the problem with XXXX, I found evidence of XXXX Loans doing this with a lot of people, but I no longer have the information. I know it 's there and could be found with some intensive XXXX or other searching. Please help me. I have always tried to do the right thing in life, and have gotten XXXX by circumstances, but this is just wrong and seems like it should be able to be fixed, since it was a couple of people who either lied or were just too incompetent to do the job right. No one wants to take any responsibility, and I just want this corrected since I did what I was supposed to do, and have dedicated my life to XXXX. I realize that the people who messed up my loan not once, but twice, are not able to be found. But I want someone now to step up and do the right thing, and fix this error. Thank you.
Product: Student loan

I have an overpayment ( negative ) balance on a loan. I want that applied to my other loan that still has a positive balance or put back in my bank account. They will not do it despite asking twice. They told me I needed to call them to give them more information, but it is impossible to get a human being on the line. If you select an option to speak to a representative it starts the automated call experience over.
Product: Debt collection

XXXX XXXX XXXX has reported a fraudulent collection account on my credit report without prior notice. XXXX XXXX XXXX account # XXXX claiming {$7800.00} was a result of Identity Theft and does not belong to me. I did not receive any communication from XXXX XXXX regarding this matter and no prior notice was made to me. I have provided copies of the police report and ID theft affidavit to the original creditor as well as the major credit bureaus and this item has been blocked as per 605 B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]. XXXX XXXX is in violation of of the Fair Debt Collection Practices Act Section 807-8 & ( FDCPA ) ( 15 USC 1692 et seq.
Product: Credit card or prepaid card

i accidentally made a payment for {$750.00}, it was supposed to be XXXX $ back on XX/XX/XXXX, i have contacted the bank on XX/XX/2020 they made me send proof of payment which was sent XX/XX/XXXX to operations research and when i called on XX/XX/XXXX i spoke with XXXX she said refund was issued XX/XX/XXXX, and they they would expedite my refund so 3-5 days but she did not sound to sure of her self so i called be back the next day spoke with XXXX in disputes, XXXX in customer service and billings who transfered me to XXXX who said my refund should be 7-10 days and they would mail a check. well its now the XXXX and no refund. when we spoke with reps i asked to file a complaint about the deceptive practice of lying and how they are misleading me about the process of a refund and the story keeps changing every time i call. 

on XX/XX/2020 i called and spoke to XXXX in XXXX XXXX texas she is a supervisor who was rude and deferred any actions that were not taken by previous reps and told me that they did not start any process to refund till the XXXX, this seems very dishonest and deceptive that i have been lies to and that the company held my money for 2 weeks before they decided to refund me my money, she also did not state anything about the complaint i had filed my bank was unable to recall the payment because its was electronic payment.
Product: Debt collection

Jefferson Capital System fraudulently satated on my credit report that they opened an account against me for a XXXX account that was not mine, finally off of my credit report, with the wrong name, place, DOB, address, and I want it REMOVED NOW!!!!! or I will sue them
Product: Credit reporting

The lender reported my account as 30, 60, and 90 days late. I was not able to access my account due to my account registration information being lost in the mail and simultaneously did not receive the bill ( letters being sent to an incorrect address ). After I was contacted via phone by a collector, I promptly paid the debt and the account has been in repayment since. This account should not be marked as late, I had no knowledge of how to pay or that I was even late.
Product: Payday loan, title loan, personal loan, or advance loan

in accordance with the Fair Credit Reporting Act this XXXXXXXX XXXX XXXX XXXX XXXX USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan so late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent XXXX XXXX XXXX XXXX  XXXX XXXX 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 section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

I am seeking further information or escalation about why my 501c3 ECF is stuck on " Processing '' after my public school ECF was moved to " Processed '' much quicker and reflected in the Payment History. 

The employer that has not been Processed as of XX/XX/23 is a registered 501c3, appeared on the FSA Employer Search Tool, but lacked an accurate address. Here is their address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, TX - XXXX Processing this ECF/employer is crucial for my Payment History/Count to be accurately reflected ; I believe I will be at or right near 120 payments after this update, and am trying to have PSLF processed before I start a new job in XXXX. Thank you!
Product: Credit card or prepaid card

I had a XXXX XXXX in my teeth. Went to dentist. They hit me with a huge amount. They applied me with a COMMENITY BANK LINE OF CREDIT to pay for my work I needed done. I never got a reminder through the mail that the 'interest fee ' period was ENDING. I had called at the end of XXXX, after getting my new bill to find out that the {$3500.00} bill I had whittled down to {$1100.00} was now over {$2200.00}!!! They added {$1000.00} to my bill!! I called and tried to talk to them to eliminate that interest. I had plans to pay it in full the next cycle!!! THEY WERE RUDE BEYOND BELIEF AND SAID THEY WOULD NOT REDUCE THE INTEREST! I even explained to them even a CAR when you do a 10 day payoff has reduced interest. I had just recovered from XXXX ALONG WITH MY SON WHO ALMOST DIED! I LOST MY JOB! Now High gas prices ... ... ... THEY REFUSED TO WORK WITH ME. ALL I WANT IS THE {$1000.00} ELIMINATED so I can pay my original balance in full which is the {$1100.00}. PLEASE PLEASE PLEASE HELP ME! 
THANK YOU
Product: Credit card or prepaid card

My complaint is with Citi and their credit card. Whenever a credit card company applies a customers payment to a credit card balance, they are required to apply the payment into two parts. First the minimum payment due ( applied to the lowest interest rate ) and the second portion the excess payment ( is to be applied to the highest interest rate ). 

I made a payment of {$10000.00} on XX/XX/XXXX to my credit card but they applied the payment to the lowest interest rate instead of applying it to the highest interest rate, which was Standard Purchases rate of 19.99 %. 

I have attached the statements for your review. You'll see that on XX/XX/XXXX a charge of {$10000.00} ( standard Purchase ) was placed onto my account. The very next day, XX/XX/XXXX, I made a payment of {$10000.00} but instead of the excess being applied to standard purchases, the excess was used to pay off Balance transfer offer # 4 which had a very low interest rate of 1.99 %. The credit card company should have used the excess to pay off the Standard purchases, NOT the low interest rate Offer # 4. 

My husband called the credit card company 3 times to try and have the payment fixed and applied properly. Each time, the customer service representative said that they would have another department research the error. The customer service reps agreed with my husband and thought that the payment was applied incorrectly. One representative even reversed one month 's interest for me. 

I should have XXXX dollars left in the High interest rate bucket, 19.99 % and I should have the remaining balance in Balance Transfer Offer # 4.
Product: Debt collection

I am writing to formally request your assistance regarding the reporting practices of Hunter Warfield related to my account number XXXX. 

In XX/XX/year>, this account was closed ; however, Hunter Warfield continues to report this account as past due, claiming that I owe {$3400.00} and that I am over 150 days past due. This reporting is both inaccurate and misleading, and it negatively impacts my credit profile. 
I previously sent a detailed letter to Hunter Warfield addressing these concerns, including a request for documentation to validate the debt and cease reporting on a closed account. Unfortunately, I have not received any compliance or response from them. Here is a summary of the key points from my letter to them : 1. I requested that Hunter Warfield cease reporting this closed account to credit reporting agencies immediately.

2. I asked for specific documentation, including : - A copy of the original contract containing my wet signature.

- A complete payment history from the original creditor.

- Proof that they own or have been assigned this account.

- The name and address of the original debtor associated with this account.

Despite my efforts to communicate, Hunter Warfield has failed to respond or rectify this situation.

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, debt collectors are prohibited from using any false, deceptive, or misleading representation in connection with the collection of a debt. Additionally, under 15 U.S.C. 1681s-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), a furnisher of information must not report inaccurate information to consumer reporting agencies.

Given the lack of response and compliance from Hunter Warfield, I respectfully request that the CFPB investigate their actions and take necessary measures to ensure they cease reporting on my closed account. Furthermore, I ask that any inaccurate information associated with this account be removed from my credit report.
Product: Payday loan, title loan, or personal loan

Was approved for a loan XX/XX/XXXX. Told until I had Till XX/XX/XXXX to give proper account information. Proceeded to give misleading and false claims or promises. Its on a recorded line that I was Promised my money would come through if I gave Them proper banking information. They now have four different accounts of mine theyve received information for and will not give me my money. Theyve been accruing my financial information and I have concerns they will abuse it. Theyve swindled numerous people into getting their credit pulled then prematurely throwing out applications just to get their bank information
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to mitigate this credit reporting problem with both XXXX  and Transunion in a civil manner. They are inaccurately showing an unverified bankruptcy public record on my file. Ive disputed this record several times and received back the generic a third party ( XXXX ) have certified this is accurate/verified. Well I reached out to XXXX and disputed this public record with them and they were unable to verify it and removed it immediately! These credit reporting agencies have made my life a living XXXX!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against experien for failing to properly investigaie my disputes regarding inaccuracies in my credit report. Despite my submissions, experien consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, experien actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure experien complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

I subscribed to a weekly food delivery service ( XXXX XXXX ). I canceled the services in the middle of XXXX in 2020 ; however, my deposit account was charged XXXX on XX/XX/2020 for food I did not receive. I tried contacting the company but their phone has been disconnected. So I called the Simmons Bank branch located in XXXX, AR on XX/XX/2020 after I realized I have been charged and filed a dispute. Simmons Bank provided me provisional credit on XX/XX/2020. On XX/XX/2020, Simmons Bank reversed the provisional credit without providing me a letter. I called their customer service number ( XXXX ) to find out why the provisional credit was reversed. I was told they can't tell me why my disputed was reversed and they will not open the dispute again.
Product: Credit card

In XXXX of XXXX  I entered a Chase Bank to pay a payment on a credit card I laid the bill on the counter and pulled my credit card out of my pocket. The teller snatched my bill while I'm telling her no that's not hers and I have not bared it back. She snatched the remittance coupon turned it over stamped it and processed it while I'm disputing that she does not have the right to steal my remittance coupon. The teller and the manager laughed at me when I explained I understood what a security instrument is and that was a security coupon remittance coupon. When I did a complaint with Chase freedom card they canceled my credit card and are attempting to collect a debt that is not owed per the theft of a remittance coupon.