23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint due to the lack of communication on the construction loan XXXX that I had with XXXX XXXX XXXX. Our commercial loan officer was XXXX XXXX XXXX we meet with him at the bank about the loan in XXXX CT. We closed on the construction loan inXX/XX/XXXXfor a 1 year construction loan with 2 6  month extension if needed. We started construction and everything was going fine. We had know problem making the loan payment because they came out of the checking with XXXX XXXX XXXX   automatic. Due to changes in construction and weather we had come to the anniversary date on the construction loan and need the extension for 6 months. We reach out to XXXX XXXX early in the process to get it done so there was know problem with the loan. We than go the paperwork in the mail showing amount due on XX/XX/XXXXXXXX we were not done with the house. We reached out to XXXX XXXX about it and he said they were working on it. He would get back to us with something by the end of the week. We reach out again he said that they would have it done by early next week not to worry about it. We got the paperwork work late from them and than they put a late payment on my credit. We called XXXX XXXX about it and he said that should have not happen and he would take care of it for us. We tried and tried to get this fixed with him and XXXX XXXX also from XXXX XXXXXX/XX/XXXX she was our mortgage officer for the end of the loan when it was to go to a first mortgage on the property. We reach out to XXXX XXXX again after we closed on the mortgage to get this fixed he than at that time said to us that they can not fix it because they have an A rating an it would not look good for them. I said over and over to him you said not to worry about it you would fix it. He reply sorry he can not fixed it. I can not believe that after all this that was his comment to us. Not good business practice. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX andI am submitting this complaint to dispute the fraudulent information from my Credit Report. Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/2022, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, section 605b, which states that the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$780.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX  XXXX XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$23000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, i paid, in full, a debt owed to in apartment complex through a collection agency XXXX XXXX XXXX. i have the receipt of payment and documentation from the collection agency confirming i have paid this balance in full. I file multiple disputes, through XXXX XXXX  and directly through experian and XXXX  to update that it has been paid because i have wasted over {$200.00} in application fees for housing and was denied every time because my credit still shows i owe a balance. i contacted XXXX directly and even submitted the documentation to experian but each investigation resulted in them leaving this balanced owed on my credit. Each time i filed the dispute, i wait the 30 days or until i get notification the the investigation is complete. Still they have that i owe this balance and i will be homeless within the month if i cant find housing.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX 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 XXXX AND XXXX 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. XXXX XXXX XXXX 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! Delete the late payments from my consumer reports
Product: Mortgage

I would like the CFPB to take a journey with me. I am once again applying for a loan modification with Ocwen Loan Servicing. I uploaded my HAMP application to the Ocwen website on XXXX/XXXX/2016. I did not get a confirmation email from them. On XXXX/XXXX/2016 I submitted an email to the Ocwen Omsbudman and have not heard back from them to date. I logged onto my account today XXXX/XXXX/2016 and there was an email in my mailbox that indicated that they mailed me something because I did not provide all of the proper information. This is how the interaction began two years ago when I tried to apply for a loan modification with Ocwen. Ocwen tells you that you did not send in the right information so the processing timeframe gets restarted. I fear I am in for the same experience. I am going to track this process and ask that you take this journey with me. There is something going on at Ocwen that has to be out of compliance with the law.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is refusing to correctly update my credit utilization ratio in a timely manner so that they can control peoples credit and lives. They also are stopping me from copying and pasting my payment history somehow as evidence.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/XXXX ( XXXX only ) 60 days late as of XX/XX/XXXX ( XXXX only ) 30 days late as of XX/XX/XXXX ( XXXX only ) 60 days late as of XX/XX/XXXX ( XXXX  only ) 30 days late as of XX/XX/XXXX ( XXXX & Ex only ) 60 days late as of XX/XX/XXXX XXXX XXXX XXXX XXXX only ) 30 days late as of XX/XX/XXXX XXXX XXXX & XXXX only ) 60 days late as of XX/XX/XXXX ( XXXX & XXXX only ) I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Product: Vehicle loan or lease

In XXXX of XXXX I visited XXXX XXXX of XXXX to discuss the terms of a vehicle I was currently leasing from them. I ended up being pressured into purchasing another vehicle ( XXXX XXXX XXXX ). When I drove away in the car, I was under the impression that my new loan would be transferred to the finance company I was working with prior to XXXX, XXXX XXXX. Approximately a week after my purchase I received a letter from XXXX XXXX stating that they will not be financing my new vehicle. Soon after I received a letter from Santander Consumer USA informing me they would be the company financing my new car. It was at this time I learned the interest rates were outrageous. My monthly payment is {$490.00}, yet only {$56.00} of that payment goes toward the purchase of my vehicle. That means I am paying {$440.00} per month in interest alone. I would have never knowingly agreed to those terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$640.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/2016 ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that i have, and which are protected by the Congress under the fair credit reporting act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confuse under USC 1681 1 account name XXXX XXXX XXXX  Account number XXXX date open XX/XX/XXXX XXXX account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX date open XX/XX/XXXX XXXX account name XXXX XXXX XXXX  Account number XXXX date open XX/XX/XXXX XXXX account name XXXX XXXX  Account number XXXX date open XX/XX/XXXX XXXX account name XXXX XXXX XXXX Account number XXXX XXXX open XX/XX/XXXX XXXX Inquiry name XXXX XXXX XXXX  XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry name XXXX Inquiry date XX/XX/XXXX XXXX Inquiry name XXXX XXXX Inquiry date XX/XX/XXXX - [ ] 15 U.S.C 1691 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

m a victim of identity theft pursuant to fcra section 695b all fraudulent information must be remove, attached are the fraudulent accounts done under XXXX credit report being removed under section 605b in the investigation. I am now disputing the same information with Equifax, Transunion, and Experian right now in this compliant
Product: Credit reporting or other personal consumer reports

I complained to Experian. They came back to me and said after contacting the card company that the card company certifies it is correct and accurate. They are obviously wrong. The report says I have a {$3500.00} line of credit. I have a balance of some amount and that I am making monthly payments. THAT IS WRONG!! I am not making payments and I have no idea who is.

XXXX Account XXXX Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the detailsXXXX Account Info Account Name XXXX Account XXXX XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXXXXXX  Status Open/Never late. 
Status Updated XX/XX/XXXXXXXX  Balance {$2100.00} Balance Updated XX/XX/XXXXXXXX  Recent Payment - Monthly Payment {$29.00} Credit Limit {$3500.00} Highest Balance {$2800.00} Terms -
Product: Credit reporting or other personal consumer reports

" Your agency is in violation!

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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; 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 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
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM ****
Product: Debt collection

PNC Bank acquired accounts from BBVA. Since then, there have been persistent issues with the payment structure that were not consistent with the terms set by BBVA. Despite assurances from the bank that the matter would be addressed and rectified, there has been no substantial progress or resolution. I have reached out to your customer service team on multiple occasions, and while they have acknowledged the error and expressed PNC Bank 's liability, the issue remains unresolved. The lack of action has caused significant inconvenience and frustration on my end. I understand that errors can occur during the transition of accounts, and I appreciate your efforts to address them. However, the prolonged duration of this issue has led to financial stress and a negative impact on my credit profile. As a loyal customer, I have always valued the relationship with PNC Bank and its commitment to customer satisfaction. Therefore, I kindly request a goodwill adjustment to rectify the negative impact on my credit due to the ongoing payment structure issues. PNC BANK XXXX
Product: Money transfer, virtual currency, or money service

I had started to open an account with this service, to purchase an item online. After realizing there was a direct way to pay, I called Customer Service to try to close my account, as it was unnecessary now. The representative then told me to finish making the account ( providing ID etc. ), then it would be closed. I did so, then immediately after, my account was " permanently limited. '' Now, I can not use the service, or any other online vendor that is powered by it's system, as my information is recognized ( even if the vendor isn't directly using said system itself ). I never used the account, am not a minor, and did not break any rules.
Product: Credit reporting or other personal consumer reports

Equifax XXXX and XXXX XXXX have reported unauthorized inquiries on my report. Inquiry dispute letter attached
Product: Debt collection

My husband and his relatives ( people who use to live in my address ) received several calls from the following number : XXXX. A woman on the phone, did not identify herself said that police officers are on their way to my job to arrest me. She made several phone calls to my son, my husband 's children. She said the call is for Zales jewelers from account in 1997.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an eviction sealed from public record and it is still being reported when I apply to apartments and it is preventing me from getting a place.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX XXXX. 
Despite multiple requests for correction through letters dated XX/XX/year>XXXX  and XX/XX/year>, my disputes have been ignored or mishandled. This ongoing issue represents a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. In my case, this requirement has not been upheld, as the inaccurate late payment reporting has persisted across multiple disputes.

Additionally, under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments suggests a failure to comply with this requirement, contributing to the errors on my credit report.

TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has harmed my creditworthiness and violated these provisions.

Protection Against Non-Payment of Obligations Act ( PAANL ) Furthermore, under the Protection Against Non-Payment of Obligations Act ( PAANL ), creditors are responsible for providing timely statements to prevent unfair penalties to consumers. The errors in late payment reporting on my account indicate that this obligation has not been met, resulting in undue damage to my credit score. 
Pattern of Non-Compliance The persistent late payment errors across XXXX, XXXX, and Equifax demonstrate a pattern of inaccurate reporting, causing undue harm to my credit score despite my previous disputes. 
I formally request that the incorrect late payment notations be removed from my credit report immediately, and that the account status be corrected across all three credit bureaus. Failure to address these inaccuracies will result in further escalation, including legal action and additional complaints to relevant regulatory agencies. 
Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

All of the charges on my BBVA credit card statement for the period XX/XX/XXXX - XX/XX/XXXX were fraudulent. On XX/XX/XXXX I wrote BBVA a letter informing them of this. On XX/XX/XXXX BBVA sent me a letter informing me they were investigating the matter. Since I had not yet received a response to my letter of XX/XX/XXXX, I called BBVA on XX/XX/XXXX. They logged my call as incident # XXXX & XXXX. In the interim I have received statements with late fees and collection letters. To add insult to injury BBVA sent me a letter dated XX/XX/XXXX terminating my credit card account. 

BBVA should have its license to issue credit cards revoked.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported an outstanding loan balance on my credit report in XXXX. Then transferred it to XXXX XXXX Recover for a few years. Then it transferred to XXXX XXXX XXXX XXXX XXXX XXXX and reported it again on XX/XX/XXXX. It is showing up on my credit report as a XXXX year old debt. But was originally from XXXX years ago. 

I did not keep receipts so I can not prove the date. But surely they have to provide documentation of the original date they sent it to collections. 

This happened after years of me paying 600 % on payday loans month after month.