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

My accounts 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 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 XXXX  days before the payment due date. 

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 XXXX XXXX XXXX, and not equitable to me as a consumer!
Product: Debt collection

XXXX XXXX claims that I have two accounts One that still active and another that just showed up on my credit report of {$3.00} which they ca n't verify all the charges in writing. I have a police report that illegal charges are being done with my Home Depot credit card They said they sold one account to the collection agency, without even notified me about the charges. I called many times and email and was n't unable to get any answers
Product: Credit card or prepaid card

I am writing to let you know, on XX/XX/XXXX somebody used my personal information and opened CAPITAL ONE BANK USA N credit card account. I did not consent to this account being opened ever! I learned about this account about 7 months ago, I connected to the Capital One Bank and closed the account that was opened not by me. The representative told me that the account was paid off, the balance was XXXX {$0.00} }. On XX/XX/XXXX I applied for mortgage loan and the company told me that I have negative closed account in my credit. I started to dispute as a result of identity on all the credit bureau and Cap One. I was connected twice with Capital One Bank and there is no any result. I made a written request of documents from the Capital one bank and XXXX  Credit bureau so as to know who was trying to open my account and to make payments. They didn't provide me with any documentation in regards of this matter. Last time I was connected with Capitol One and XXXX  it was on XX/XX/XXXX. Capital one and transferred me to recovery department, the representative ( the name was XXXX XXXX, promised me to help, when I told that I am trying to apply for mortgage loan, but I couldn't do it because of charged off account XXXX  told me my dispute was still in pending status. As of today I have no information from neither company. Now I am asking you for help to remove fraudulent account from my XXXX  Credit report. 

Account Information Creditor : Capital One Bank Account # XXXX Date Opened : XX/XX/XXXX My Information XXXX XXXX XXXX Mission XXXX XXXX # XXXX XXXX XXXX CA XXXX DOB : XX/XX/XXXX Social XXXX PH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

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

Took out loan for vehicle in XX/XX/XXXX. Traded vehicle in as down payment for newer vehicle in XX/XX/XXXX. XXXX XXXX XXXX previously reported late payments on account to all 3 credit reporting agencies at the time of vehicle trade in in XX/XX/XXXX. XXXX XXXX XXXX has recently added several additional late payments in XX/XX/XXXX to an account which has been closed since XX/XX/XXXX. Additional late payments are incorrect, fictitious and misappropriated and I am requesting immediate removal of this data from account history and credit reporting agency files immediately. Credit reports in XX/XX/XXXX reflected late payments reported to all 3 credit reporting agencies. In XX/XX/XXXX, XXXX XXXX XXXX  reported several additional late payments to all 3 credit reporting agencies while account has been closed due to vehicle trade in since XX/XX/XXXX. As of XX/XX/XXXX XXXX XXXX XXXX had previously been reporting to XXXX a total of 2 late payments from XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX XXXX XXXX XXXX has added 6 additional late payments to my XXXX file for a total of 8 late payments in which none of the dates currently being reported were previously reported-data is inaccurate/incorrect and does not match and needs to be removed immediately due to erroneous reporting. As of XX/XX/XXXX XXXX XXXX XXXX had previously been reporting to Experian a total of 4 late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX XXXX XXXX XXXX has added 5 additional late payments for a total of 9 late payments in which none of the dates currently being reported were previously reported-data is incorrect/inaccurate and does not match and needs to be removed immediately due to erroneous reporting. As of XX/XX/XXXX XXXX XXXX XXXX had previously been reporting to XXXX a total of 4 late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX XXXX XXXX XXXX has added 2 additional late payments for a total of 6 late and there is also a discrepancy in dates being reported as they are not accurate based on previously reported data. Information is incorrect/inaccurate and needs to be removed immediately due to erroneous reporting. XXXX XXXX XXXX is also still reporting on time payments to XXXX from XX/XX/XXXX thru XX/XX/XXXX thus far while the account has been closed and paid off since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Diversified Consultant insist that I had a XXXX phone in my name I have worked for XXXX XXXX XXXX for the last 25 years I have never owned a XXXX phone if there was a XXXX phone in my name it was the result of idenity theft we get free phones at my job. So why would I even own a XXXX   phone. Now Diversified Consultants have bought the account from XXXX and is demanding I settle or pay the bill that I have no knowledge off.
Product: Mortgage

Not only did Ocwen XXXX us over for over a decade, so we also filed a complaint with CFPB due to their lies and demanding they fix the credit report. Instead of doing what is right, they purchased PHH mortgage, sold our mortgage to them, and still haven't fixed their wrongdoing. Ocwen needs to completely remove their account off of all three credit reporting agencies. PHH needs to update the account as we have paid in full on time every single month since they became our account holders. This is beyond ridiculous. We have found a lawyer who has successfully won litigation against them in the past and will be working with him. We have documentation to prove that they are liars and have unethical practices. These companies must be stopped and held to a higher standard. You would think that failing time after time they would be shut down for good. But instead, they pay a hefty fine and keep screwing people over. DISGUSTING!!!!!
Product: Vehicle loan or lease

I paid off the loan on my XXXX XXXX XXXX with Chase Bank almost 2 to 3 years ago. Last summer I learned that Chase Bank hadn't given me the title to my vehicle when I went to sell it. I've been trying to work with the bank to give me the title for my car since XX/XX/XXXX. During this time Chase Bank has made no progress on getting me the title to my vehicle. In the meantime I'm losing money on the XXXX XXXX, as I have to pay insurance and maintenance on the vehicle.
Product: Student loan

Hello- I have 13 Federal Loan accounts that were not consolidated. I have called Navient to inquire on removing the " Missed Payment '' status and they gave me little information and told me that there's nothing they can't do. I have begged and pleaded with them that this is a mistake because I've always pay my monthly loan payment on time. I thought I had paid my monthly amount on XX/XX/XXXX and they gave me a " Missed Payment '' status with no warning whatsoever. 

If you look at my credit history for Navient, I have paid every single month after that. I need your help to remove this status. Now that Navient is no longer servicing my loans, Aidvantage has taken over and I don't want to go through the same hassle again.

I get little information to remove status from my credit history.

DEPT OF ED/AIDVANTAGE - {$17000.00} - Open Account - Missed Payment on XX/XX/XXXX - {$10000.00} - Open Account - Missed Payment on XX/XX/XXXX - {$10000.00} - Open Account - Missed Payment on XX/XX/XXXX - {$10000.00} - Open Account - Missed Payment on XX/XX/XXXX - {$9100.00} - Open Account - Missed Payment on XX/XX/XXXX - {$8900.00} - Open Account - Missed Payment on XX/XX/XXXX - {$5000.00} - Open Account - Missed Payment on XX/XX/XXXX - {$5000.00} - Open Account - Missed Payment on XX/XX/XXXX - {$4000.00} - Open Account - Missed Payment on XX/XX/XXXX - {$500.00} - Open Account - Missed Payment on XX/XX/XXXX - {$2200.00} - Closed Account on XX/XX/XXXX - Missed Payment on XX/XX/XXXX - {$2200.00} - Closed Account on XX/XX/XXXX - Missed Payment on XX/XX/XXXX - {$2100.00} - Closed Account on XX/XX/XXXX - Missed Payment on XX/XX/XXXX XXXX
Product: Debt collection

Convergent Outsourcing Inc and XXXX XXXXXXXX XXXX are trying to collect on a debt which I have had not account with XXXX XXXX for over 14 years The last account with XXXX was 15 years ago and the Statute of Limitation would have expired over a decade ago. 

I have .not procured any credit with XXXX XXXX and I demand that this frivolous activity cease immediately and any attempt to collect on a expired debt is highly damaging to my financial standing and wherewithal. 

I demand an immediate Cease and Desist from the above creditors. The accounts are XXXX and Convergent account # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony and XXXX are reporting duplicate accounts for the same account that has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$1100.00} ; XXXX  XXXX Balance : {$170.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX  ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax security breach - cyber attack has now placed my identity at risk. Equifax is suggesting we place freeze XXXX only good for 90 days XXXX and is offering a 1 year fraud protection account but the information obtained in the hack includes social secuity numbers and other information that will have a much longer shelf life! It is crazy to me that their company has placed my long-term financial future at risk but they are only accepting that mantle of responsibility for 1 year and offering what I consider to be ongoing laborious responsibility on our - the victim 's - shoulders. I am a tax paying citizen and feel like there should be some government intervention to ensure Equifax is accountable. I know this is unprecedented but I do not believe that I ever " signed up '' to allow a credit agency to warehouse my personal information and if they did so, without my explicit permission ( which may have indicated that I accepted whatever resulting risk ), then they should also have the responsibility to protect the information. A breach of their security means, they 've not only put me at risk but also expect me to be fully responsible to ensure the information stolen is not used inappropriately fir the rest of my life!
Product: Checking or savings account

In XXXX, I found that my chase checking account couldn't withdraw or deposit money. After a few day, in XXXX, Chase sent me a letter about to close my checking by their decisions. Based on the letter, the remaining balance XXXX dollars will be stored as a check and mail to my address. 

In mid XXXX, I tried to contact the customer service for the refund. The representative told me the refund need would be sent to my address in a couple weeks. 

After I waited for a couple weeks, I tried to contact the customer service in XXXX, and this time the representative told me if I want to receive the refund, I need to come to a Chase bank branch directly. 

Then, I came to XXXX branch in XXXX XXXX, WA and found a customer manager for assisting. The manager gave me a phone number and told me to call this number by myself. 

I called this number and waited for 3 hours, the representative then told me that their were still doing the investigation and couldn't send the refund back to me. 
I asked the representative when they can send the refund back. She just said they don't know when they can finish the investigation and ask me to wait for a further notification. 

So far, I still did not get my refund back or any notification from Chase.
Product: Debt collection

Ive asked Simons Agency to validate the alleged debt and they have sent me from what it looks like a scanned/copy of a paper of their so called Current Contact. Nothing on this piece of paper shows a contract that I have with this company nor does it show my signature agreeing to pay this company this alleged debt. Theres nothing on this paper that gives me assurance that this is my debt. Anyone can put a name, phone number and address and claim that I owe them money. This is not an acceptable form of validation. Ive also tried to settle this debt even though it was not properly validated and never got a response from this company.
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX  XXXX BALANCED {$470.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX  XXXX BALANCED {$670.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2200.00} XXXX  XXXX XXXX BALANCED - XXXX XXXX XXXX  BALANCED - XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX OF XXXX Inquired XXXX XX/XX/XXXX ONEMAIN Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX CO Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX OF XXXX Inquired on XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX to obtain a mortgage refinance loan on XX/XX/XXXX. I signed an authorization for them to check my credit for that purpose. Based on my credit, the bank offered me a very low interest rate in its initial Loan Estimate. However, after processing my loan they came out with an interest rate that was 2 percentage points higher than the initial rate they had offered me. I declined the loan at that point and told them I was not interested in continuing the refinance. However, the bank went ahead to check my credit two more times without further permission from me. I even complained to them after the second check and ask them not to check my credit again since I was not going to continue with them but they still did a third check on my credit. The additional inquiries greatly affected my credit score such that my credit fell precipitously. This is preventing me from getting approved for credit I would otherwise have been approved for. 

I have contacted XXXX  and XXXX  to dispute the additional inquiries of XX/XX/XXXX and XX/XX/XXXX but they referred me to XXXX XXXX. The Bank is not responding to me. 

I need XXXX XXXX to request removal of the additional inquiries from my credit file.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I found a listing on XXXX for a place to rent. I got in contact with the lister and began negotiating a lease, which I signed and sent back to the lister. The next day, I made a transfer on XXXX to XXXX for {$1000.00} as a security deposit. Immediately after, he tried to get me to send more money, and refused to send me the key. I then realized that I had fallen for a fraud. I immediately called Chase Bank to get them to freeze or refund the payment, to which they told me that it would be impossible to reverse even though it showed as pending transfer in my account and that it would take XXXX weeks to audit the account and ask the partner bank for the money back. XXXX weeks later, and they were unable to retrieve my money from the partner bank, unable to share the fraud accounts information due to what they say are privacy concerns, and when I reached out to XXXX directly, they didnt even take my call. The XXXX transaction number is XXXX. Obviously the owner of the account can be traced knowing these details. I would like Chase Bank to refund the money which was due to a fraud and scam and the person, whose identity can be determined from these details, be held responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : TransUnion Refusing to Update My Address Dear Representative, I requested my credit report using the annual credit report request form all three of the credit reporting agencies. 
When I received my report from Trans Union to my new address they notified me that they were updating my address as requested. They will continue to report my old address in the file. 
I thought this was my file and the information in it was reported by my creditors and all of them have my current address on file, but Trans Union is refusing to update it accordingly, but this type of miss-behavior is a recurring theme with them. 
It is clear that TransUnion is formatting my credit file in a way to mislead my creditors and those third party that use the information in my consumer file A leap forward should be the honest and accurate entry of information in my credit file which they have failed to fulfill. 
I look forward to your reply and assistance on this matter. 
Sincerely, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Debt collection

Just received notification of false information being reported on my credit report, in which I never owed this account, it dose not belong to me and I would like for it to be removed immediately before it effects my other accounts. 

False Information Being Reported : XXXX XXXX XXXX XXXX # XXXX This account does not belong to me, I never took out this account from this company.
Product: Checking or savings account

I am writing to file a formal complaint against Truist Bank regarding the repeated lockouts of my business account and the complete lack of communication from their end. I am deeply concerned about the impact this has had on my ability to access and manage my funds. 

I have experienced two separate incidents where Truist Bank has locked me out of my business account without providing any prior notification or explanation. To add to the frustration, I have not received any written communication or phone calls from Truist regarding these lockouts. Ive personally reached out to them both in-person at a branch ( XX/XX/XXXX, XX/XX/XXXX ) and over the phone ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to address these issues. 

Upon contacting Truist 's Fraud and Account Security departments, I was informed that there is no case on their end, and there are no fraud flags associated with my account. Despite this, they have been unable to completely unlock my account, citing the current lockout as the result of an individual at a branch. Regrettably, this specific individual has proven to be unreachable for all occasions Ive reached out to Truist. 

I am extremely concerned about the lack of transparency, communication, and the inconvenience caused by these account lockouts. As a customer, I deserve to know the reasons behind these actions and to have access to my funds without unnecessary obstacles. Truist 's failure to communicate and resolve this matter promptly is not only frustrating but also puts my business operations at risk.