23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, I submitted a mortgage modification request to XXXX Loan # XXXX. On XX/XX/XXXX, I received a letter from Select Portfolio Servicing notifying me of a loan servicing transfer to their company, Loan # XXXX, to be effective XX/XX/XXXX. I continued to work with Select Portfolio Servicing on the modification request and, today, XX/XX/XXXX, I called to check on the status and was asked to resubmit documents that I had submitted numerous times already. I simply can not believe that this process is intended to take a year to complete and I only hope that there is an outlet to investigate whether this is a fraudulent practice while my credit score continues to be demolished in the interim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. 

15 U.S. Code 1666b - Timing of payments ( 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 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The items below should all be updated to paid as agreed on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The past 6 months I have been trying to get my credit report fixed as there are multiple inaccuracies on it. XXXX XXXX is reporting serious inaccurate information that is hurting my credit! XXXX XXXX XXXX is listing my account payment status as " PAST DUE 90 DAYS ''! to Transunion and listing my charge account as an open installment loan 120 days late to XXXX! I have told Transunion and XXXX multiple times this is incorrect and the payment status for my XXXX XXXX  needs to be " PAID, CLOSED ''! I have tried contacting XXXX XXXX through mail multiple times to fix this and they are saying its being reporting correctly but its not! This account was paid and closed in XX/XX/2019! 

They are also listing my XXXX charge account as 120 past due multiple times. 
I have sent proof of my bank statements showing I made payments to XXXX XXXX to prove I was making payments during the month they say I was late! 

Transunion/XXXX  and XXXX Bank has failed to correctly investigate my dispute because if they had they would see that my XXXX XXXX charge account is being wrongfully reporting my XXXX XXXX account! The only bureaus they are reporting to correctly is XXXX! 

They need to have my XXXX XXXX charge account status fixed ASAP! It needs to be listed as " PAID, CLOSED '' and the payment status needs to be " PAID AS AGREED '' XXXX XXXX XXXX Transunion/XXXX has still not fixed this inaccuracy and have only made my account status worse. 

I need XXXX XXXX XXXXnd Transunion and XXXX - to update my credit report to the correct information. My XXXX XXXX charge account was paid and closed in XX/XX/2019! PLEASE FIX MY ACCOUNT STATUS AND PAYMENT STATUS AND LIST IT AS " PAID IN FULL, CLOSED ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$3000.00}
Product: Debt collection

This was back in 2009, but it still bothers me until today. I had a credit card with Wells Fargo bank and did not have a job at the time to pay it off. I received over 5 calls everyday, sometimes right after each other and was threatened over the phone that the police was contacted regarding my outstanding credit card debt and that they plan on issuing a warrant for my arrest. I lived with the harassing phone calls for 3 months until I got a job and started paying the credit card debt I owed. Even though this is over 8 years ago. I still feel traumatized to this day in regards to the phone call and Wells Fargo as a bank. I believe they were extremely unprofessional and at that time I did n't know their actions were illegal until after I paid my entire credit card debt. The amounbt I owed originally was around {$700.00}, but with late fees, overdraft fees, and interest I paid around {$2000.00}.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting ACT ( FCRA ) to conduct a reasonable reinvestigation of disputes information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues, such as failing to forward consumer- provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where XXXX has neither corrected nor removed disputed items. I am requesting immediate corrective actions to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Vehicle loan or lease

Honda Financial states that because payments online were late that as company policy that they no longer allow access to those customers to make their payment through their online portal for 12 months. 

I asked for a manager to restore my online access to pay and I also inquired where in my contract did they advise me about this discriminatory treatment for certain customers and not others to make their payments online. 

I inquired as to the legality of that decision to lock customers out of their online payment system and where in the contract that I signed am I warned that the policy of the company is to discriminated against as a late paying customers and force them to pay in addition to the fees that are usurious in excess of {$1800.00} of late fees that have been charged onto this account. Now i am being forced to pay an addition $ 4-12 to make payments using XXXX XXXX This company needs to be sued in a class action for blocking only certain customers but not all customers from using the online system to manage their account payment portal. it is a deliberate manner of rejecting customer payments and making the company charge additional fees onto certain customers
Product: Checking or savings account

I logged onto my online banking app on XX/XX/22 to find that {$270.00} had been transferred out of my savings account at roughly XXXX via XXXX without my authorization. I notified the Wells Fargo Fraud Claims department of this and, they issued a temporary credit while they looked into this matter. On XX/XX/22 my claim was reversed, so I called Wells Fargo to find out why my claim was denied. The claims worker informed me that the claim had been reversed as they claimed that the transfer originated from my fiance 's phone, even though I have never once logged into Wells Fargo using her phone, and there would be no way for her to know my login information, as for security reasons, I am the only one that knows the login information for my account.
Product: Vehicle loan or lease

COMPENY HAS FILE TO CORECT A REPORTING PROBLEM TO CREDIT REPORTING ANGENCIES
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account numerous of times with Experian and XXXX   XXXX  did the proper investigating and removed it from my report. 1. Experian and XXXX  both are showing different amounts 2 I signed a 60 month contract not 70. XXXX did not advice me if the change on report like they are supposed to. 3 Experian is reporting that my XXXX payment has been made when it has not my payments are on the XXXX of each month today is XX/XX/XXXX XXXX XXXX is prolonging the law suit that they where involved in and XXXX agreed to fix consumers report and I provided all documentation backing everything
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Allied Collection Services received a certified letter in the mail asking for validation of debt. In response Allied Collection Services sent a statement without validating or providing enough information for myself to validate and verify the information. I have no idea what this bill is for, I do n't recognize this bill, I do n't have enough information provided. Per HIPAA I have the right to the breakdown of fees including any collection cost and medical charges. I am supposed to be provided with a copy of my signature with the provider of services that is allowing them to release medical information to Allied. I have not received anything outside of the attached statement.
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. My name is XXXX XXXX. 
The account name is XXXX XXXX The account begins in XXXX The account name is self capital The account number is XXXX The account name is XXXX XXXX The account number is XXXX The account name is XXXX The account number is XXXX I looked at my experience credit report today XX/XX/year> and noticed some things are incomplete and not accurate and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall fall reasonable procedures to assure maximum possibility of accuracy of the information concerning the individual about whom the report relates according to 15 SC 1681 chapter E chapter B and according to 15 USC 1681 five they are supposed to do this treatment of inaccurate or unverifiable information a behalf in general of any reinvestigation under paragraph one of any information disputed by a consumer and item of the information is found to be in accurate or incomplete, or can not be verified the consumer reporting agency shall ( i ) Promptly delete that item of information from the file of the consumer or modify that item of information as inappropriate based on the results of the reinvestigation and ( ii ) notify the furniture of that information that the information has been modified or deleted from the file and according to 15 USC 1681s-2 they are suppose to 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. 
XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to Experian explaining I was the victim of identity theft including the identity theft report regarding XXXX XXXX XXXX XXXX XXXX in the amounts of {$360.00}, a collection without an amount. It has been XXXX ( XXXX ) months and no action has been taken to remove these from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to rent a car at XXXX today XX/XX/19 and when they checked my credit since it's a requirement to rent a car there, they told me that I would be unable to rent a car because there are accounts and inquiries reflecting badly on my credit report. None of those accounts/inquiries belong to me nor did I allow anyone to open them in my name using my personal information. I did not benefit anything from these accounts such as money, services, goods or any other benefit and I have never made any purchases or payments towards any of these accounts. I do not have any sort of relationship or contract with any of these companies and I never gave them permission to run or view my credit/personal information. I have already gone to file a police report regarding this very serious matter.
Product: Credit reporting or other personal consumer reports

My account with these company was never late! I have had exceptional payment history witH XXXX  XXXX 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 MONTHS REPORTING LATE 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Under the fair credit reporting act, 15 U.S.C, 1681g I have the right to demand the you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report please dont respond to my request by saying that this account have been verified send me copies of the documents theta you have in your file that were use to verify it.

If you do not have any documentation in your file to verify the accuracy of the dispute account then please DELETE IT IMMEDIATELY as requested under Section 611 ( a ) ( 5 ) ( A ) ( I ) .By publishing this inaccurate and unverified items on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthinesss Under the FCRC 15 U.S.C ., 1681li all unverified accounts Must be promptly deleted therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed above within 30 days of receipt of this letter then you must remove these accounts from my report.,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and XXXX requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

all reporting bureaus have 4 days to fix and remove items linked to identity theft and it has been 10 days and XXXX and XXXX are in violation by no responding to my aler and request
Product: Checking or savings account

This complaint was generated from numerous attempts to the problems with funds being transferred from the checking account and the violation of my rights as a customer. It is very disturbing to know I acted in good faith and was rerouted from the unprofessionalism and promises made due our conversation. It took months to supply me with a updated debt card and has caused negative issues to my credit report. Upon arrival of my new debit card reissued by the Citi bank it disclosed this card was used before and cant be activated. I would like to be compensated for the damage of my characteristics value. This is my demand for Remedy. Glory be thy name
Product: Prepaid card

I receive monthly stipend for being a XXXX via a debit card managed by eppicard, the card is issued by Coamerica Bank. I went to withdraw a payment that was just put onto the card and was told there would be a {$2.00} fee. I was told there is only one free withdrawal a month - even though multiple payments may be put onto the card each month, in place of the state sending out a check. When I questioned this, I was told the state of NJ was taking the fee - - made no sense.
Product: Credit reporting or other personal consumer reports

Experian always has the incorrect information for my XXXX XXXX ( XXXX XXXX XXXX ) credit card account on my credit report and each time I reach out to them they either never finish the dispute or report back that the company confirmed the erroneous information and just leaves it at that even though I have on occasion provided written proof that the information is incorrect. I have also provided them with an official letter from XXXXXXXX XXXX  stating the account has been paid in full. Since credit scores and information are a necessary part of a consumer 's life any credit reporting agency that fails in their duty to maintain 100 % accurate information should lose it's business license since these erroneous errors can and do cause hardship to consumers.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX XXXX for failing to provide me with a 1099-C form for a debt that was forgiven in excess of prescribed guidelines. This is a violation of IRS regulations. I request that the CFPB investigate this matter and take appropriate action to ensure that I am not unfairly penalized for XXXX XXXX failure to provide me with the necessary tax form by invalid negative reporting.
Product: Money transfer, virtual currency, or money service

I discovered on XX/XX/23 that my ~ $ XXXX in funds on Binance US is locked for no reason and with no warning, as a result I can not access the money that I desperately needed. I reach out to the company many many times over the past month to no avail- didn't even get a response from them whatsoever, and it's been A MONTH!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX XXXX XXXX over 7 months ago via phone, and via email as they requested that they were reporting my information incorrectly. They notified the credit bureaus that I owed them a large amount of money that was past due, which they reported nearly {$10000.00} in arrears owed on the loan. They assured me they would correct this along with reporting to being late over 3 months. I have notified them on several occasions and even disputed the findings brought out in this complaint with all three credit bureaus. They send me a letter stating that they had changed this in all three credit bureaus, however, all three credit bureaus are reporting the same thing. Therefore, I know they did not change the information, but they lied to me and sent me a letter stating that they have taken care of it. I have called them to correct this problem over 7 months and sent them correspondence requesting the change and investigation and they have not corrected the problem, instead they sold the message when I told them I was going to notify your agency. However, they are also reporting the loan open to Experian Credit Bureau, so it make it look like I have more debt than I actually have, because XXXX is reporting the mortgage to Experian and the new company XXXX XXXX are both reflecting on my credit report as open accounts, which is making my debt-to-income ratio higher than normal. I have tried to work with this company over 7 months. They have destroyed my chance to get a really good mortgage with a company who denied me based on these findings.
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.

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

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