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

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report once again, I discovered that some of the information was erroneous. It is not authorized to fail to validate the reporting account as unverified information. The 3 credit bureaus must validate this account : XXXX XXXX XXXXXXXX Balance Owed : {$290.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and protected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.
Product: Mortgage

Greetings, I'm an honorably retired and permanently XXXX military veteran. I'm one of the many innocent consumers affected by Wells Fargo unethical, illegal, and discriminatory mortgage practices. 

I have filed several complaints on the CFPB website about Wells Fargo 's egregious actions. 

I reached out to Wells Fargo on several occasions prior to and during COVID for assistance. I repeatedly pleaded for Wells Fargo to offer me a loan modification and a refinance to keep my family home. 

I bought my home while selflessly serving in the military. By joining the military and making other life choices, I was fighting for my country, building a promising future, and creating generational wealth. 

Unfortunately, I lost my home because Wells Fargo unfairly denied assistance to me. 
Wells Fargo initiated foreclosure proceedings, forced my family out of our home, and damaged my credit standing. 

Wells Fargo caused PERMANENT and GRAVE harm to me ( and my family ) emotionally, mentally, and financially. 

I wanted to keep my home in the family and pass it down to other generations. Wells Fargo 's biased actions have prevented that from happening. 

Additionally, I could not get assistance from other banking institutions/lenders due to Wells Fargo 's deceitful and dishonorable conduct of reporting foreclosure proceedings to the credit bureaus. 

I humbly request that the Consumer Financial Protection Bureau help me get compensation for the destruction that Wells Fargo has caused me and my family. 

Wells Fargo keeps denying any wrongdoing. I ( and other victims ) state otherwise. Consumer Financial Protection Bureau, please hold Wells Fargo accountable for their illicit actions.
Product: Mortgage

wanted modification on mortgage had to get mediator then when asked for modification was told they would but only to raise exisiting loan amount then was told to give deed in lue and given 3 months to vacate home they keep changing fees during payment amount every month they are private invester are there laws the same as every other company.Any way i was working when i became XXXX and lost wages and had to go on XXXX know my income dropped by over half my pay days so i was trying to get payment that was in range of my XXXX but was told that that was not possible and to catch up on past revenue they had me at XXXX in the rears and wanted it up front, who has XXXX laying around anyhow they were supposed to give us XXXX to keep house up and help us find new place to live there is really nothing out there in range of my monthly income what do i do know.help
Product: Student loan

I I received a hard copy letter in the mail in XXXX of 2019 asking if I had received a check for the interest that I was over charged. I immediately called the number and explained that i had not recieved any check. Their representative told me that they would cancel that check number and reissue another check. I called for a TOTAL of three additional times after waiting for about 3-4 weeks and then asked to speak to a manager of one of the phone representatives.. I talked to a XXXX XXXX XXXX and explained my situation. I told him that I found it very difficult to understand that a XXXX dollar company could not sending a tracking receipt on the envelope. He told me that he was going to look into it as well. I then CALLED him from XXXX and he reassured me it was going to be done.I emailed him AGAIN last week and I haven't heard anything. I would say this would be acceptable if Covid was a factor with these delays. However, this started in XXXX of 2019. IF I was late on their loan payments that would be affecting my credit rating. how is this acceptable?? How can this company get away with this deplorable customer service. Nobody has been in contact with me with even a simple email in the last three weeks.
Product: Payday loan, title loan, or personal loan

XXXX XXXX ACCOUNT, THIS ACCOUNT IS A FRAUDULENT ACCOUNT, I HAVE SENT EVERY SINGLE DOCUMENT THEY HAVE REQUESTED, INCLUDING NOTARIZED DOCUMENTS. NOT REALLY SURE WHAT ELSE I CAN SEND THEM, I DON'T UNDERSTAND WHU I AM BEING DISCRIMINATED. EVERYTIME I CALL THEM THEY ASK ME TO SEND DOCUMENTS, I SEND THE DOCUMENTS BUT I NEVER RECEIVE ANY RESPND FROM THEM AS FAR AS THE DOCUMENTS THEY HAVE RECEIVED IS CORRECT OR IF ITS MISSING SOMETHING, OR THEY NEED SOMETHING ADDITIONAL SO WHY THEY CANT REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Product: Credit card

I became a victim of debit card theft on XX/XX/2024. Withdrawals were made to my account in XXXX, CA without my knowledge. Specifically, there was a withdraw of {$100.00} and XXXX withdraws for {$300.00}. As soon as I discovered these charges, I contacted American Express Serve Card to report the incident. They reassured me that they would conduct an investigation, which could take up to 45 days. On XX/XX/2024, before the theft occurred, my last transaction was at XXXX in XXXX, CA, where I spent a total of {$61.00}. It's worth mentioning that I live in XXXX, CA, which is approximately XXXX miles away from XXXX. However, I don't believe that American Express properly conducted their investigation. ATMs have cameras, so it would have been easy for them to verify my claim.
Product: Student loan

Ive paid all of my XXXX loans and now im recieving this letter in the mail an it says i owe XXXX more dollars. I went to XXXX and wen i got out and called after recieving my paper work in the mail they said hat they paid back the remaining balance of what was not used to the loan company so i paidn off all the XXXX loans and the XXXX loans that i had witch included them taking my tax return almost XXXX dollars im super irritated with this XXXX so someone needs to do some reaserch and figure out how many debt collection agencies have my loans and why i keep getting more of these places contacting mesayin i owe them thousands of dollars when all together i only owe XXXX dollars period
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out. Per FCRA segment 605 CREDIT Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX.It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Please delete these items : XXXX XXXX XXXX  XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$8900.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$3200.00} XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX
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 15 USC 1681. 

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 XXXXXXXX and 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 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

I closed my account with XXXX ( Account XXXX ) sometime in XX/XX/2019. They were increasing my rates and I no longer wanted to be affiliated with them. Previously, they used to pro-rate their charges but then they told me that they changed their policy ( without notifying me ) and now I will be forced to continue with them until the next billing date or I will still be liable for the charges. I explained to them that I wasn't made aware of this policy charge either via email or notified in any way. They said, its on their bill. But I did not receive any paper bills and on their online bills there was no mention about this policy change. I asked them to give me a prorated bill as this is what the policy was when I signed up with Spectrum but they proceeded to put that amount in collections and now are forcing me to pay that amount by putting a derogatory mark on my credit report. I was not contacted by the collection agency before they decided to report this to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a company called XXXX XXXX was reporting a negative remark on my credit report. Enclosed I am submitting pictures of the letter I sent them certified mail requesting validation of the debt. I mailed this letter out XX/XX/XXXX certified mail. Today is XX/XX/XXXX. I feel they have had more than enough time to complete an investigation which they have not. They are reporting to the 3 credit agencies different and inaccurate information to each one without even providing me with validation of the debt. Enclosed you will also find a picture of my credit report from XX/XX/XXXX which was more than 30 days after they received my letter to correct their records and validate the debt with the company XXXX XXXX still reporting different information to 3 credit reporting agencies without validation of the debt.
Product: Credit reporting or other personal consumer reports

I have disputed the auto account several times, including sending my divorce decree to show that the account was transferred to my ex-spouse, but it remains on my report. 
Exter Finance is the name of the company
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ARE FALSELY REPORTING THIS ACCOUNT ALL BUREAUS FOR DECEASED CONSUMER AND IS REPORTING IN VALID ACCOUNT.
Product: Money transfer, virtual currency, or money service

PNC connectivity with XXXX hasn't worked in months. Can't add funds to trade.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 to be removed/updated.

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.

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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card or prepaid card

Hi, I was charged for a purchase I did not make. I disputed this with Capitol one but they refused to return the credit. They are saying I made this purchase but they are unable to provide me any information or proof for this purchase. Capital One refused to give me any information about the merchant, or the merchandise I supposedly bought. I asked capital One if I could appeal this charge further and they said there was no such process with them. This purchase was for the amount of {$310.00} and posted to my account on XX/XX/XXXX. The listed merchant for this charge is a " XXXX XXXX XXXX '' located in XXXX which I am unfamiliar with and unable to find any information on. 

I attached my credit card statement showing fraudulent charge. 

Thanks
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I started a transfer to my niece XXXX XXXXXXXX for {$2900.00} to be converted to XXXX BRL. They took the money out my account on XX/XX/XXXX and on XX/XX/XXXX they told me that it had been delivered into her account. I sent a message to my niece to make sure the transfer had gone through. It had not. XXXX got online with Remitly to tell them this. The told me they would look into it and get back to me. For several weeks I would contact them to get answers and for them to find my money and complete the transfer. Always they would ask me to wait 24, 48 or 72 hours while they look into it. Last week told them that I had enough and for them to just give me my money back. Still the same answer as before, please wait 24, 48 or 72 hours. Finally I told them if they couldnt take care of it I would contact the CFPB. After that they started calling to say that they are working on it. But each time they call its still the same. Please wait. We are waiting for our partner bank to get back to us. Its been four weeks since they said it was delivered when it hasnt.
Product: Credit card or prepaid card

I received an offer from Wells Fargo via email on XX/XX/2021 which offered 10 % bonus rewards on my first purchase at a grocery store and first purchase at a gas station on or before XX/XX/2021. I have two credit cards with Wells Fargo and the offer was shown for both cards on the rewards website. I received the bonus rewards for the first qualifying purchases on each card but not the second purchases. I have contacted Wells Fargo multiple times, and also submitted a complaint through the better business bureau, the response I received led me to think that the complaint wasn't actually read because the transaction that I was referencing were not the transaction that they mentioned. I made a purchase at XXXX XXXX XXXX XXXX XXXX MO on XX/XX/2021 for {$130.00} using my Propel card which should have earned 1320 bonus points. I also made a purchase using my Cash Wise card at XXXX XXXX # XXXX XXXX MO {$220.00} on XX/XX/2021 which should have earned {$22.00} bonus cash back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have sent this letter below to the credit bureau attached. Nothing has been done and the incorrect fraudulent information/account still remains on my credit report. Im asking if you can contact them with hopes this will be removed and updated immediately. 

Equifax Information Services, LLC XXXX. XXXX XXXXXXXX XXXX, GA XXXX Dear Equifax : Regarding the following account : XXXX XXXX XXXX XXXX requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above item is inaccurate, misleading, or incomplete, you may have violated federal law. 

I expect you to make a reinvestigation immediately. My social security number is XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My first name is misspelled on my credit report. Also, I 'm listed as currently employed with XXXX XXXX and that is not accurate. I 'm unemployed.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against TransUnion for Failure to Correct Inaccurate Late Payment Reporting Dear CFPB I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account with XXXX XXXX, account number XXXX. Despite multiple requests for correction dated XX/XX/XXXX and XX/XX/XXXX, the inaccuracies persist, violating provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Details : High Balance : {$38000.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX ( TransUnion and XXXX ), XX/XX/XXXX ( XXXX ) Balance Owed : {$0.00} Account Status : Closed Payment Status : Current Account Type : Auto Loan Payment Frequency : Monthly Two-Year Payment History : XXXX : Late payments reported from XXXX to XX/XX/XXXX and XXXX to XX/XX/XXXX. 
XXXX XXXX TransUnion : Late payments reported from XXXX to XX/XX/XXXX, XXXX and XX/XX/XXXX, and XXXX to XX/XX/XXXX. 
These late payment entries are inaccurate and conflict with the actual payment history I provided in my previous disputes. 
FCRA Violations : Under 15 U.S. Code 1681i, credit bureaus are required to ensure the accuracy of the information in consumer files. Despite providing evidence to correct these inaccuracies, TransUnion failed to conduct a reasonable investigation and update my credit report accordingly. 
TILA Violations : 15 U.S. Code 1666b mandates that creditors send periodic statements at least 21 days before the payment due date. The reported late payments suggest noncompliance with this requirement, resulting in harm to my creditworthiness.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide accurate and timely statements to prevent unfair penalties. The continued inaccurate reporting indicates noncompliance.

Desired Resolution : I am formally requesting the following actions : Immediate removal of the late payment notations for this account from my credit report with TransUnion, XXXX, and XXXX. 
Written confirmation of the corrections made to my credit file. 
Failure to resolve this matter promptly will compel me to escalate my complaint, including pursuing legal action and filing additional grievances with the Federal Trade Commission ( FTC ) and other relevant agencies. 
Thank you for addressing this matter promptly. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have credit card with a few cards, but discover does the most harassment. discover calls me several times an hour. I have blocked over 20 numbers, and continue to get endless spam from their debt collecting numbers. I dont even know whos calling at this point, but I get several voicemails a day. Discover voicemails claiming its not a solicitation call, or claiming they want to offer me some new promotion, to get me to call them back and end up paying it back.
Product: Credit card or prepaid card

Bank of America insisted that I make large payments on my credit card during the Era of Bank Aggression which I did. After many payments over the time frame which Bofa set up they claimed that I owed a little more to them as they had miscalculated the payment amount. That amount they turned over to apparently one of their collectors. I agreed to pay the remaining amount. The agency said that after I made all the payments required that I owed, so I agreed to pay which was about {$200.00}. The bank accepted the payment, but they said it did not matter that Bofa had been paid {$30000.00} from me, I was over thirty days late and had not been given an additional bill as I had paid five years and they had gotten all their money. No, Bofa had made an addition error and I NEEDED to pay the remainder which I did. The agency then said that I would be negatively impacted on my credit score for seven years regardless of the mistake of Bofa. I have proof that I tried to correct the error in XXXX. It is still on my report. They have been paid in full, but took to a punitive route after they got XXXX. 
I could not get loans are refi my home or get a car. They still will not remove the negatives.
Product: Debt collection

I have a wage garnishment sent to a court in a county I moved out of in XXXX. I moved from there to XXXX  in XXXX and back to XXXX in XXXX till present day. The original debit or portfolio recovery sent this collection to javitch block law in XXXX who sued me in XXXX XXXX XXXX. I cant do anything about it. This is 100 miles away from where I live and have lived for 5 years. Now I have garnishment papers from my work with the old address used to sue me. I have no way to stop this as I was deceived by javitch block. My due process in court was violated by using these tactics of filing so far away from where I live so I wouldnt know about it and have a chance to appeal. I have no idea how this is legal. I had a prior creditor XXXX XXXX XXXX  who got ahold of me in XXXX about a debt and I worked with them paid it in full and everyone was satisfied. I can prove my willingness to do this with a court getting involved but javitch block denied me of this and now I have the embarrassment of my employer thinking Im some deadbeat person.