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

My account with TRANSUNION 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 ( 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 XXXX  days before the payment due date. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( 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 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: Prepaid card

American Express Serve provided a free {$50.00} Card when purchasing an iPhone at XXXX. I used the money the same day and called several times to close the account. I was told the account was closed after dozens of hours and nearly a year later. Months later, I started getting emails that they now charge a {$4.00} monthly fee and I now owe money on the card. I ca n't get them to close my account after trying many times for the past year.
Product: Credit reporting or other personal consumer reports

This matter was taken to court and on XX/XX/2023 a Motion to set aside default and Motion to dismiss on XX/XX/2023 was granted. So I want this matter off my record immediately please.
Product: Mortgage

We were in the process of purchasing a home in XXXX, CA. We submitted an offer on XX/XX/XXXX. The listing agent required buyers to obtain cross approval with their designated lender " XXXX XXXX at Eagle Home Loan. Which we did. There was apparently multiple offers on this property. After approximately a week with no response from the listing agent, our agent received a call from the listing agent 's designated lender XXXX XXXX who indicated that if we ( buyers ) would use his company to handle our mortgage financing the listing agent would choose our offer. We told the listing agent we had full approval at our current lender ( XXXX ), however we said OK we would use their lender. Sure enough, we received a response indicating an acceptance of our offer. 

When it came time to remove the loan contingencies, XXXX ( Eagle Home Loan ) still did not have loan approval. He assured us he would get our loan approved. So we removed the contingency which exposed our earnest money deposit. In the meantime he had us jump through a bunch of hoops that cost time and approximately $ XXXX. When it came time to close escrow, he still did not have loan approval. We ended up paying a {$100.00} per diem to the seller to extend the escrow closing date. Two days before were supposed to close escrow on the extended closing date, XXXX said he could not do our loan. At that time we switched back to ( XXXX ) our original mortgage company onXX/XX/XXXX. XXXX was able to get the loan approval and funded in 17 days. 

Our complaint boils down to two issues : 1. Eagle Home mortgage mislead us and it cost us needlessly {$2900.00} ( per diem ). 

2. When we advised XXXX XXXX at Eagle Home mortgage, that we switched lenders, he sent an email to the listing agent stating ( XXXX ) our lender could not approve our mortgage in an apparent attempt to sabotage our escrow. Which could have jeopardized the purchase of our home and cost us our earnest money deposit. 

We would like the lender ( Eagle Home Loan ) to refund the {$2900.00} Per diem we needlessly paid. And we think people should know about the dishonest practice of this lender. 

Post script : Our original lender was indeed able to complete our mortgage approval and we closed escrow.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX Acct # XXXX and Acct # XXXX ) has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXXI 've experience some water damage to my property my insurance company was XXXX. Over time of investigation they did release {$27000.00} which were to be broken-up in 23 payments of {$9100.00}. My 1st draw came to me in XX/XX/XXXX around the XX/XX/XXXX I hire XXXX XXXX XXXX XXXX to replace the damage carpet in the home.The amount to replace came up to {$3900.00} because that check came in their name and my name ocwen did not have a separate check for them for the {$3900.00} and XXXX XXXX XXXX would not sign off on the {$9000.00} check so I have to give them the whole check when problems occur with the contractor XXXX XXXX XXXX XXXX the price of the carpet to over {$6000.00} I chose not to use them but them would n't give me my money back. Because they thought Owen would Sue after speaking with ocwen said it was OK for them to give me the money back But our current would not tell them bad nor write a letter stating that so I did not receive the money back So XXXX XXXX still has the {$6600.00} and had it since XX/XX/XXXX And I try to get it back but they will not give it to me So moving forward I asked ocwen what can I do to we see the next draw in order to finish to work on my home they gave me an option to send in some documents which include it receipts from work I 've already done myself an proof that I try to get the money back from XXXX XXXX.After sending the information ocwen order an inspection the inspection prove that 50 % of the work in the home has already been done .The importance of that number is because each draw was based on a percentage of the work done so if 30 % of the work is done on the 1st draw then the next draw was supposed to be release so Owen sent me a check for {$3600.00} not the amount of the next draw what they sent to me was the amount of what I 've already spent in my home that 's not the correct procedure And also sent me a letter stating that when I 'm done doing all the work on the home myself an inspection is done then they will send me the rest of the money that 's not how it 's supposed to be done the insurance money is supposed to be sent to me to do the work not my own money to be used.
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check from [ XXXX XXXX  ] in the amount of {$5000.00} into my Citizens Bank account. The funds have already been withdrawn from the issuing account at XXXX, meaning the check has cleared and is no longer pending. However, Citizens Bank has placed an extended hold until XX/XX/XXXX, despite no legitimate reason for doing so. 

I have contacted Citizens Bank multiple times, and they have given inconsistent explanations. First, they claimed they were waiting to verify the check. Then, they stated the Federal Reserve is holding my funds, which is not how check clearing works. The Federal Reserve does not hold individual consumer deposits. 

At this point, Citizens Bank is holding my money for their own security, not mine. This is an unlawful delay of funds, as the check has already been processed and deducted from the issuing bank. 

I am requesting that the CFPB investigate Citizens Banks handling of my deposit, as they are violating the fundamental principles of fair banking by restricting access to funds that have already cleared. 

I spoke to supervisors XXXX and XXXX
Product: Debt collection

. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Bank account or service

My XXXX year old son started his first job at XXXX. When he came home from his orientation, he told me that " people from the bank were there and signed him up for an account. '' I was alarmed because he does n't know anything about banking and needs to be guided by an adult in opening and managing an account. Upon reviewing the paperwork, sure enough a Wells Fargo representative signed him and many others up for a checking, savings and visa debit card account with overdraft protection. Upon reviewing Wells Fargo 's website for accounts, teens are not authorized to open an account without a parent co-signer. I went into the Wells Fargo bank where the rep works that signed my son up, and asked them if my son could open an account on his own at XXXX and they said " no not without a parent co-signer. '' I explained that my son was signed up via a XXXX orientation and the rep told me that they routinely partner with XXXX to sign people up for accounts during orientation. I demanded an answer as to how someone opened XXXX accounts and a visa debt card with overdraft protection to a minor who does not know the first thing about opening a bank account, they responded that " their must have been a misunderstanding. '' I am concerned that this expoitation is likely happening to many many other teens who 's parents may not be aware, or may not speak or read XXXX ( in Texas this is very common ).
Product: Money transfer, virtual currency, or money service

On Wednesday XXXX XXXX my stimulus check for {$3000.00} was deposited to my cash app. They rejected the deposit. I recieved my first stimulus to this same account with no problems. I've tried to contact cash app multiple times over the last two days, they have flat out said they dont know why it was rejected. I desperately need that money and cant find anyone to help me or tell me why.
Product: Checking or savings account

My problem started in XXXX 2017. Suntrust Bank N.A. Refunded some of the fees for my items which were submitted to be paid ( such as health memberships, XXXX, etc ). My cable bill and my cell phone bills went through this account as well. In XXXX 2017, I became ill and noticed that my acct was overdrawn by {$200.00}. I called the bank and told them I did not want them to honor any automatic payments. I spoke with the manager on XX/XX/XXXX and she said she had reviewed my account and would call me back. She never did and the charges have now amounted to -XXXX. <P/>I am going to close this account, and I have contacted my automatic billers to not bill that account. I have accrued over {$500.00} in {$36.00} overdraft fee increments. Please assist me in recovering some of these fees.
Product: Credit reporting or other personal consumer reports

I am a victim of the XXXX data breach they are reporting false information on my credit report every single thing on my credit report is incorrect starting from 2019 up to now XXXX in the process of filing a lawsuit against them for the amount of XXXX for all the damages they caused me by letting my information being breached they are operating unlawfully and refusing to remove all the negative information that they caused
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX i was notified that Regional Finance reported to the credit bureaus that an account that is paid off as having a balance of {$1100.00} and 30 day late remark. That IS NOT TRUE! I paid this account in full on XX/XX/XXXX, I have bank statements showing the funds deducted. Ive received the title for the vehicle I paid off. The company had already updated the account to a XXXX balance and payoff date to the credit reporting agencies. This company has violated the Fair Credit Reporting Act by reporting this account twice.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. It has been brought to my attention by Equifax, that my personal information has been compromised in a XXXX XXXX XXXX, in XXXXXXXX XXXX XXXX. After reviewing my credit report, I have noticed several accounts that I don't recognize. Due to my personal information being breached, I have submitted a complaint with CFPB, reporting all fraudulent accounts.Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

credit bureaus what was the amount owed on this XXXX XXXX XXXX account label as late payments account # XXXX According to The FCRA is a federal law that gives you the right to dispute inaccurate information that appears on your credit report. And this account have reported inaccuracies for a long time time if cant be proven please have this removed because all three bureaus is very inaccurate
Product: Credit reporting or other personal consumer reports

I wrote multiple letters to EXPERIAN and XXXX and the last letters was sent out XX/XX/year>. I never received a response from them before the last letter and now XXXX send me a letter stating that the letters of dispute was not from me. How did they verify that those letters are not from me, I also included my ID and some information. I created those disputes since there are inaccuracies on my report. This XXXX XXXX account number : XXXX is reporting 100 % incorrect on XXXX and Experian. This account was paid and closed as agreed and on time. Under penalty of perjury, I swear this account is false and misleading. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation ; it was reported without valid evidence. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress.
Product: Money transfer, virtual currency, or money service

I received a fraudulent XXXX from Block , Inc f/k/a Square Inc for 2024 XXXX It shows that I used their services to receive payments of {$5600.00} in XXXX for janitorial services when I was a W2 employee and never had to do gig jobs. When I contacted them, they were not helpful ; they hung up and did not remedy this situation. They resort to telling us that we need to go XXXX, freeze our credit, etc. When one they messed up and did not verify folks using their services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a free copy of my credit reports through XXXX XXXX XXXX today XX/XX/21 because I am planning on refinancing my car later this year however, I noticed that there are a few credit inquiries on my report that are not mine. The inquiries are from different companies all of which I have never applied to ; I did not authorize these companies to run or access my credit file nor am I affiliated to them in any way. I don't know who is responsible for these credit inquiries but I have taken it upon myself to file a police report as well as complaint with the Consumer Financial Protection Bureau in hopes of getting unauthorized credit inquiries removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous disputes to XXXX  since XX/XX/2018 and 3 method of verification requests. 
To date I have not received any information they have complied. 
Keep sending investigation results : Dispute file # XXXX Verified as accurate : The disputed item was verified as accurate, Dispute file # XXXX disputed info updated and other info updated, Dispute file # XXXX verified as accurate and updated. 
I have asked them to comply with my method of validation requests and/or send me a copy of something factual Portfolio Recovery has sent them to base their reporting on or delete this derogatory information Portfolio Recovery is submitting to them. 
I have sent countless requests to Portfolio Recovery for debt validation and they have continued to report since XX/XX/2018 negative un-validated monthly updates to all 3 credit bureaus. XXXX  and XXXX  state they are still investigating. XXXX needs to be driven completely out of business.
Product: Debt collection

I received multiple calls that are flagged as Robocalls from Allied Interstate. The calls continue repeatedly through out the day even on weekends, as early as XXXX XXXX. As I am not familiar with this company and have not been contacted by them before, I asked that they please mail me a letter regarding the debt so that I may verify. They continued to call the and stated that the collection calls will not stop until I make an agreement with them. On another call I again asked that they please allow for some time for the letter to be received and I would follow up with them and the representative stated they will not stop calling me and will continue calling multiple times until an agreement is made. I feel that they pressure you by calling repeatedly and do not allow you to ask questions or ask to have the information verified.
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. 

Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : 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: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigate and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XX/XX/2022, XXXX XXXX XXXX ( caretaker and brother of the named alleged debtor ) died ... .After his death, XXXX XXXX XXXX started getting bills for debts she did not know were made. Loans, Credit cards, bank deductions. This creditor was notified of the fraud, the police dept. will not provide a copy of the report. The XXXX XXXX account was opened in the name of XXXX XXXX, the signature was forged, and accounts set up. Alleged Debtor is XXXX, was a victim of fraud. XXXX has been notified but refuses to accept that this is fraud. Sending collection letters to which information and copies of account found that shows forged signature were provided to them via email and direct mail..