23daVinci/CFPB_Complaints huggingface dataset:
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. 
Account name : XXXX OPENED XX/XX/2024 {$590.00}, has violated my rights. 

I looked at my credit report on XX/XX/2024 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 follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate 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 appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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.
Product: Debt collection

National Credit Systems is reporting to credit agency a debt that is not mine, I sent them a mail to send me documents to prove that this debt is mine, They sent me a document with someone else name on it and a address i never lived before. This is Unfair and causing a lot of damage to my credit report and my access to credit. I've attached copy of the mail i received from them. 

I had identity issues in the past and i sent them copy of police report and FTC report.
Product: Credit card or prepaid card

I applied for a Citi " secured '' Mastercard due to trying to rebuild my credit. I was notified on XX/XX/XXXX by mail that my application was declined ( received letter on XX/XX/XXXX ). The reason for the decline was listed as " Your previous or existing account with us has a history of late payments ''. I contacted Citi bank on XX/XX/XXXX and spoke to 2 different female customer service reps ; after trying to guess a former address of the previous account, it was discovered the account was from XXXX ; and additionally I filed Chapter XXXX Bankruptcy in XXXX. This " previous account '' is 17 yrs old ; and it is wholly improper for a bank or any lender to base their application process on such an old account ; especially since this was an application for a " Secured '' card, in which the credit limit is equal to the deposit of {$200.00}. I was told several times by the 2nd associate that a " secured card is for people trying to REBUILD credit '' ; the very thing I am trying to do. Every lender has a right to deny an application ; but the process should be an unbiased and equal lender to all consumers. Having based this decision on this old account, especially one that can no longer be collected on or reported on a Credit report is not within the law or the " Equal Credit Opportunity Act ''.
Product: Mortgage

I paid my loan off on my mortgage with wells fargo. I had paid a earlier amount which they backed out of the loan. Before that I had paid like 6 months aheahead
Product: Credit reporting

Experian company has not deleted wrong information on my credit report for the XXXX time.
Product: Mortgage

The issue I have is for a rental property ( with tenants ) with Mortgage. During the COVID-19 pandemic, the tenants could not make rent payment so I requested forbearance due to reduction of income. Mortgage was in forbearance from XX/XX/XXXX until XX/XX/XXXX. I ended the forbearance in XXXX and resumed making regular payments ( Starting XX/XX/XXXX ) since the tenants resumed paying rent. 

I requested a deferral for the 9 payments missed during forbearance over the phone. CMG ( the mortgage company ) said they will mail me a package to review and request it officially. I signed it and sent back to CMG. After few months, In XX/XX/XXXX, I called CMG to inquire about it again since the issue was not resolved. They said they will send the official deferral agreement again. I signed it and sent back to CMG. On XX/XX/XXXX, I finally received a letter confirming the deferral agreement approval and as of XX/XX/XXXX. XXXX, my loan will reflect that I am current with all payments. The 9 missed payments during the forbearance period will be moved to the maturity date of the mortgage ( end of it ). 

Today, XX/XX/XXXX I called CMG to inquire about this issue since it doesn't show that I am current on my payments. Last statement shows over {$10000.00} due for all payments. 

I am trying to apply for another mortgage for a different property ( from a different lender ) and underwriting will not approve me without showing that I am up to date with that ( CMG Financial ) loan. Last statement from CMG shows that I am 9 months behind, I am being charged a {$35.00} late fee EVERY month ( although I am making payments monthly and on time ) and there is no evident that my loan deferral was processed at all. They did not report my on time payments since XX/XX/XXXX to my 3 credit files and I am about to lose the new house I am trying to purchase. 

I was told today that someone will call me back on Monday XX/XX/XXXX and follow up with me. 

This is extremely frustrating. Please help... 

Thank you,
Product: Student loan

My loans originated in XXXX with XXXX to attend XXXX University Online. I was granted a forbearance in XX/XX/XXXX, XX/XX/XXXX, before I made any payments. I called for help because spouse had lost job. I believed my loans to be Federal loans that would be able to get Nursing forgiveness but found out my loans were ineligible. I was never, by XXXX, Sallie Mae or Navient, told I could consolidate my loans into a Direct loan that would qualify for forgiveness. I wasnt made aware of that until last year when Covid came and I didnt qualify for the payment pause or 0 % interest. I did some research and emailed a lot of politicians to complain and listened to multiple XXXX videos. In XXXX of XXXX I completed a Direct consolidation loan and have applied for XXXX. They are telling me I have made 7 qualifying payments right now. I began paying on my loans XX/XX/XXXX with XXXX at $ XXXX. In XX/XX/XXXX they were transferred to Sallie Mae. In XX/XX/XXXX, I called due to financial hardship and was offered forbearance for 6 months from XX/XX/XXXX to XX/XX/XXXX, which was later extended to XX/XX/XXXX, which was extended to XXXX XXXX. In XXXX, I began payments in XXXX to XXXX when I began filing Ch XXXX bankruptcy which was discharged XX/XX/XXXX. My loans were transferred to Navient at some point in XXXX. I resumed payments XX/XX/XXXX and continued until XX/XX/XXXX. I was furloughed due to the Covid Pandemic in XX/XX/XXXX when I called Navient to see if I qualified for the payment pause or 0 % interest I was told my loans were NOT federal loans and did not qualify and they offered me 6 months of forbearance. During all these years trying to pay these loans and years of forbearance no one explained income driven plans ( and still havent ) and during all but 2 of these years, I received NO increases in salary. I have researched and seen that XXXX had to repay billions in loans for bad practices, XXXX University students have gotten loan forgiveness because of the schools bad practices. Now Sallie Mae/Navient are having to discharge loans. I have no way of knowing if my loans are in the ones Navient will forgive. Mine are currently with XXXX and awaiting to see if they count more of my payments as qualifying for XXXX. I have worked at a qualifying hospital for almost 25 years. I was financially XXXX by Sallie Mae & Navient for years. I currently owe XXXX. My original loan balance was XXXX. The payments I have made have all been approx XXXX or more/month. I want to know if my loans should have been included in the XXXX forgiveness or will they be included in the Sallie Mae/Navient debacle.
Product: Credit reporting or other personal consumer reports

This account was paid in full by the previous owners XXXX XXXX XXXX by the due day of XX/XX/XXXX and an additional payment was made by me before the due date. Im requesting that the 30+ days late to be removed from my co borrower and my credit report immediately. We never been 30 days or more late why would we be 30 days late at pay off time? I lost XXXX on my credit report due to this misinformation and my co borrower lost XXXX points due to this we ask that XXXX  XXXX remove the 30 days late so that we can continue with our lives with our credit report without this blemish. I will enclose documentation that will support my claims I take my credit and credit report serious and Im responsible with my credit, this 30days late on my credit report stops me for doing anything with this blemish from XXXX XXXX. I cant see how they were able to put a 30 days late on an account that was reported closed last month and removed off of my credit last month that I filed an dispute and got the account removed myself and it was Successfully removed now we see 30 days late on our credit reports.
Product: Debt collection

On XX/XX/2020 Ive been challenged this company. 


Dear Chrysler Capital, Thank you for responding to my inquiry about a recent dispute. Although the company has failed to provide validation of a debt. It is your responsibility to tell me the name of the creditor, the amount Is owed, and that you can dispute the debt or seek verification of the debt. as I still dont know any acknowledgment of this letter you sent out to validate such false documents. 

In your letter your asking me for accuracy information about this debt with I will attached in the CFPB. Under the FCRA Law you most report Real accuracy address to me. As you also failed to give validation proof to the national credit reporting agency. Why are you reporting false address if original contract is help within your reach? Why do I need to dispute the accuracy of trade line when I am by law been asking the 4 major credit bureaus to ask Validation but instead Ive been receiving fabrication from CHRYSLER CAPITAL not validating the account ending in XXXX as for the ADDRESS is inaccurate that was later forward to my door way. Please provide Validation of letter you send out there is no accuracy for what is being reported on my credit report and you know The Fair Credit Reporting Act ( FCRA ) is a federal law that helps to ensure the accuracy, fairness and privacy of the information in consumer credit bureau files. The law regulates the way credit reporting agencies can collect, access, use and share the data they collect in your consumer reports.
Product: Checking or savings account

On XX/XX/2021 I open a Citi Priority Checking Account with Citi Bank. The terms was for me to deposit {$50000.00} into this account and maintain that amount for 60 days to receive program rewards of {$700.00} dollars. I comply for 4 mounts until closing the account on XXXX of 2021, due to customer service told me on two different occasion that I would receive the program rewards of {$700.00} dollars on XX/XX/XXXX and XX/XX/XXXX of 2021 which I acknowledge I was being lied too by their customer services. Therefore I file a compliant with Citi Bank regarding this matter and was told by their investigation department that I did not qualify for the program reward. Upon opening this account I was charged ATM fees of {$3.00} dollars on two occasion and never reimbursed nor was I provided a code number to activate the program rewards for the Citi Priority checking account and not provided any welcome packet to understand my legal rights nor the terms. I fell that I was taken advantage of due to the fact I maintain {$50000.00} for more than 60 days and lied to on serval occasion nor reimbursed for ATM fees totaling {$7.00} dollars. XXXX XXXX score was never consistence with the three Credit Bureau as today.
Product: Bank account or service

I was a customer of a local bank named PNC and I had a personal checking account. When I went to close my personal bank account, the bank issued XXXX cashiers checks. Both checks bounced when deposited into another financial institution. After informing the bank that their cashiers checks bounced, the bank ( PNC ) required me to return the cashiers checks, before re-issuing new valid checks. Because the cashiers checks had been destroyed, the bank has refused to reissue new checks and has not refunded my funds after more than two weeks.
Product: Credit card or prepaid card

Capital One So i was previous told by Capital One representative, while on the phone, that I would only get charged if, IF, my balance remained above {$0.00} BALANCE. Like all other credit cards i have, if you use money, and the next month you only pay partial, then of course, you'll get a fee from the remaining balance. 

The problem thought is not that I didn't pay and bring my entire credit card balance to {$0.00}, yes, i paid full to {$0.00}, but that after i did so, and the new cycle began, i was notified of a {$3.00} dollar charge of interest. Hold on, that is ridiculous. If you pay the full amount before its due date, bringing it down to {$0.00}, why should i be required to pay for something i am not depending on, like any interest? I mean, i paid the whole balance, all before the due date. Yet, even thought the new cycle began the next month, and even thought my balance showed a {$0.00} before hand, when the new cycle updated, it had a {$3.00} interest charge. 

When i contacted Capital One, the rep explained to me that if I didn't use the credit card for the upcoming cycle ( or month ),  then the {$3.00} would be removed. No reason to be charged. 

So then, i didn't use my Capital One credit card, just because i am not fully certain about them. 

The new cycle began, and guess what -- my new balance was {$6.00} cents. I was charged another {$3.00} ... ..but i didn't use the credit card at all ... .for a whole month. 

Again, i called the first time, and was told that i would not be charged and the balance would be removed. Check my history, the person i spoke with after my XXXX bill was released XX/XX/XXXX. 

I was told while on the phone that yes, i had to have 2 months of {$0.00} balance ... .in order to have no interest. That's not what i was told about previously - check record, it sounds like an intentional lie. It is a joke and a fraud ... and to make it clear ... while on the phone, the guy said that if i didn't use the card, the balance would be canceled ... yet that has not occurred ... He lied to me..he lied while on the phone. That is ridiculous. I don't car about the XXXX dollar fee as much as the lie to me. It insults me to be charged and mislead.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX XXXX XXXX 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 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 that are reported 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. 


XXXX XXXXXXXX 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: Debt collection

XXXX has filed suit a few years ago but at the time I have been unemployed and have tired to work with this company to repay them, they did not respond to me. And I have asked for documents pertaining to this and have not received anything. It was filed in XXXX XXXX NM and when I did appear for court the company dismissed the case, so the judge stated I was free from this. I am not sure if they are trying to just obtain funds without me contesting it. This is the second time they are trying with another company. From the looks of it that is what I see, trying to get money without me fighting or questioning it. So this is my concern I have tried to work with this company and if they do not want to give me what I have requested I feel that I should not have to pay. It is like they wait and then try to renew the statute of limitation. Like I stated I have tried to work with them but they are not willing to submit documents to me. So I am not sure what more I can do.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Request for Removal of Unauthorized Identity Theft Hard Inquiries Dear TransUnion, I am writing to formally request the removal of unauthorized hard inquiries from my credit report. Upon recent review, I discovered several inquiries that I did not authorize, and these are negatively impacting my credit score. 

The unauthorized identity theft inquiries are as follows : XXXX - XX/XX/XXXX ( TransUnion ) XXXXXXXX XXXX XXXX XX/XX/XXXX ( TransUnion ) XXXX XXXX - XX/XX/XXXX ( TransUnion ) XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ( TransUnion ) XXXX XXXX XXXX XXXXXX/XX/XXXX ( TransUnion ) XXXX XXXX XXXX XX/XX/XXXX ( TransUnion ) Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed copies of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have submitted an FTC report to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. 

Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate confirmation once the removal is completed or any further steps I may need to take to resolve this issue.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

On or about XX/XX/XXXX, I call Bank Of America Visa credit card XXXX to get a balance owed in order to close my account. ( Approximately XXXX XXXX XXXX We sent a bank check for the full amount with tracking XXXX. It was signed and received on XX/XX/XXXX. It was not applied until XX/XX/XXXX. On or about XX/XX/XXXX I noticed interest charges only of approximately {$140.00} applied to my closed account. A supervisor forgave the interest because of the delay in processing. The next day I confirmed that by closed account had {$0.00} balance. On XX/XX/XXXX I received notification that I owed {$47.00}. The explanation I received except from the fine print was that when I asked to close the account I should have asked for amount owed plus interest. It has taken me a full XXXX  to XXXX  what I owed because I kept accruing interest and have no details on how they are calculating it.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Product: Payday loan, title loan, or personal loan

This is a follow up to my original complaint ( # XXXX XXXX filed back in XXXX or XXXX of 2020. I did receive an official response from US Bank on XX/XX/20 and it was an insufficient reply and of course there were key pieces of communications they could not locate when they reviewed the claim which I submitted in my original complaint. This is a blatant denial of culpability on US Bank 's part and further evidence of their refusal to perform their obligations as a PPP loan processing financial institution. I have since been trying to resolve this issue w/ US Bank by trying to reach their PPP Liason which no one seems to know who it is, how to contact this person or how to find out who this person is ... 

I have reached out to the XXXX several times and have had many conversations with the SBA. I was told specifically that US Bank DOES HAVE the authority and ability to contact the XXXX to review and revise any previously funded loan that may have been erroneously calculated. US Bank 's reply stated that is is the borrower 's responsibility to provide accurate numbers and loan amount and this is in fact not the case. It was my responsibility to submit income information, it is the responsibility of UD Bank to assure the proper loan amount is calculated and in this case they did not and then they misinformed me of my follow up resolution options. I have all the documentation to prove how poorly US Bank handled this process, which I submitted in my original complaint and they chose not to look into or acknowledge. I have attached US Bank 's reply to my original complaint and have highlighted the area where US Bank is at fault and is evidence of them neglecting to own up to their responsibilities. US Bank is in direct violation of their responsibilities and obligations as a financial institution authorized to process PPP loans. done so in error. Furthermore I was told that it is the sole responsibility of US Bank 's to initiate this action which can simply be done by a US Bank PPP representative simply contacting the XXXX with a request to reopen and review the loan. I was further told that I would have a difficult time in finding anyone at US Bank who would be willing to do this because it is a tedious process. I am plainly being denied the opportunity by US Bank to rightfully receive the appropriate funds due me through the PPP program which was set up to help small businesses effected by the pandemic such as myself. 

In closing, I'd like to CFPB to pull my originally filed complaint that contains date specific events and details that will support this second complaint. This previous process did nothing but provide US Bank a forma ; platform to reply and deny any wrong doing which I can prove where they have made several errors. I am looking for a more in depth and in person resolution option this time as opposed to a blanket emailed letter from US Bank denying any wrong doing. I look forward to your prompt reply and hopefully a more in depth involvement in bringing resolution to this matter. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX