23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX, I made a timely payment of my monthly XXXX based on the XXXX statement because I had not received the current statement for XXXX. Apparently my estimated payment was short by {$130.00}. In XXXX, almost a month later, I got a phone call from XXXX that my payment was short. I agreed to pay the shortfall immediately and requested that the shortfall be flagged as an error on XXXX XXXX 's part for not getting me a statement and for taking a month to notify me. I was told no problem. They received the {$130.00} shortfall within 10 days but still reported me to the credit bureaus as a late payment. 
I have never had a late payment with this or any other loan in my life! 
The following month, XXXX, I was notified by the credit bureaus that I had an adverse credit report from my lender. I contacted XXXX XXXX immediately with an error acknowledgement notice. They failed to answer in 30 days per requirement, so I called and called and called and left messages to a totally unresponsive " Office of the Customer ''. I finally got a post dated letter saying, tough luck, we reported you late for a {$130.00}, nothing you can do about it. I have never been treated worse. I still need XXXX to reverse the error with the credit bureaus.
Product: Checking or savings account

I opened a dispute with the bank because my debit card information was stolen and used without my permission or authorization over the internet the dispute was open XX/XX/XXXX chime bank / XXXX XXXX did not properly investigate my concerns they just denied my claim I included a ftc report which is from the fraud victim assistance department, bank statement showing me purchasing a new phone, & also a new phone number was updated, and proof that XXXX had to refund me my money because it was used on XXXX also. It was filed on XX/XX/XXXX and denied on XX/XX/ XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Another lie from this predatory company and as usual experian address nothing resolved nothing AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Debt collection

Sirs, according to your Consent order File no. XXXX XXXX Citibank NA has a consent order against them for several violations. I received a default judgement under these pretenses, on XXXX XXXX, XXXX, original start date XXXX. Citibank has never taken this judgement off the record as ordered by CFPB, nor have they wrote me on this subject. This should be a vacated judgement, as you have indicated the company to follow.
Product: Credit reporting or other personal consumer reports

I discovered that several accounts, including those from XXXX XXXX, Bank of XXXX, XXXX XXXX, and XXXX XXXX XXXX, were inaccurately reported as charge-offs on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete reporting of my credit information. These charge-offs negatively impacted my credit scores ( XXXX : XXXX, Experian : XXXX, XXXX : XXXX ), and I believe they were reported incorrectly due to errors in balance updates, payment statuses, or dates of last activity. 

I disputed these accounts with the credit bureaus, I am requesting proper verification and validation of the debt. However, despite my dispute and the legal requirement for the bureaus to thoroughly investigate and respond within 30 days under FCRA, the inaccurate charge-offs were not corrected. These companies have either not provided sufficient documentation to validate the debts or failed to update the information accurately after resolution. 

Per FCRA Section 1681s-2, which outlines the responsibilities of furnishers of information, these companies are required to correct and update inaccurate information. The failure to resolve this after my dispute violates my rights, and I am requesting that these charge-offs be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well, although I must express my deep disappointment with the continued presence of fraudulent items on my account despite our previous efforts to address this matter. 

As we have previously discussed, I have been a victim of fraudulent activity on my account. Despite providing all necessary documentation and cooperating fully with your team, it is disheartening to see that these fraudulent items have not been adequately addressed in the second attempt to rectify the situation. 

The recurrence of fraudulent items not only poses a significant threat to my financial security but also reflects poorly on the effectiveness of your organization 's security measures and protocols. Moreover, the prolonged resolution process has caused undue stress and inconvenience, as I continue to worry about the potential impact on my financial well-being and personal information. 

I urge you to prioritize this matter and take immediate and decisive action to rectify the situation once and for all. I expect a thorough investigation into the root cause of these recurring fraudulent items, along with concrete steps to prevent any future occurrences. Additionally, I demand clear communication regarding the progress of the resolution process and timely updates on any developments. 

Furthermore, I am seeking compensation for the inconvenience, stress, and potential financial losses incurred as a result of this ordeal. It is imperative that your organization takes responsibility for the lapses in security and provides adequate restitution for the harm caused. 

Please consider this letter as a formal complaint and escalation of the matter. I trust that you will prioritize this issue and take the necessary steps to address it promptly and effectively. Failure to do so will compel me to explore alternative avenues for recourse, including legal action and reporting to relevant regulatory authorities. 

I appreciate your immediate attention to this matter and look forward to a swift resolution. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

My employer recently switched from XXXX XXXX to XXXX to provide payroll and benefits services. However, I have run into a serious problem with the new provider. 

When I onboarded with XXXX, they provided an option with respect to XXXX contributions. The employee could elect to open a new custodial account with them OR the employee could designate a qualified custodial account into which the deducted XXXX amounts were deposited on each pay date. Since I have had an established XXXX account for many years through a local bank, I opted to use the existing account. There have never been any fees assessed on this bank account and life has been good. 

The new provider, XXXX, does not offer the option of using an existing custodial account and requires that a new account be established through them with Optum Financial. This account is heavily burdened with fees. I am really not interested in opening and keeping records for a new account that I dont need or want. And I certainly dont want to pay fees on top of the extra hassle. But I also would like to avail myself of the tax benefits afforded to XXXX contributions. The XXXX position does not feel legitimate to me as the right to an XXXX comes from the federal government, not from the payroll processing vendor. It is almost like them charging a fee for withholding all the other payroll deductions. They are already being paid by my employer for payroll processing but they seem to feel it is fine for them to create a new profit center for themselves based on XXXX contributions, one that provides no benefit to the employee. I know it isnt right but the question is whether they can get away with it? 

My understanding is that if I waive the XXXX contribution through payroll, I can still make a personal contribution to my existing XXXX  account. This would seem to be the only option for me to avoid the XXXX XXXX  scam. This will still provide a benefit to me for federal taxation. However, both I and my employer will lose the benefits related to other payroll taxes if the deduction is not made through payroll. 

Is it permissible that XXXX can manipulate me into forfeiting benefits that the federal government has provided to me or pay their fees in order to obtain said benefits
Product: Credit reporting, credit repair services, or other personal consumer reports

On late afternoon XX/XX/XXXX I checked my XXXX XXXX and saw that my credit dropped with Credit Bureau XXXX down 6 points? My credit is excellent and stays even and climbs on occasion. Investigating, I found the explanation, " Between XX/XX/XXXX and XX/XX/XXXX, an inquiry made by SYNCB/PPC was added to your credit report. '' Finding out the inquiry was PayPal Credit , Synchrony Bank, I realized I was subject more likely to identity theft/fraud then a mistake. The reason is I have had no dealings ever with PayPal, and have no idea why PayPal might have pulled my credit report. This happens to many people I see on Identity Theft forums with hard pull from SYNCB/PPC on XXXX. On XX/XX/XXXX, I spoke with XXXX  and said the hard pull was on XX/XX/XXXX. They told me to contact with SYNCB/PPC immediately and explain someone applied for a PayPal Credit Card under your identity and if it got approved it needs to be cancelled immediately. She then said I can Freeze your XXXX  account. I agreed and went through the process with her. The way she handled everything was as if it has happened many times when I mentioned the name. I called PayPal Credit and I spoke to a gentleman from the NC office of Synchrony Bank. He was helpful. I told him that someone applied for a PayPal Credit Card and if it did get approved it has to be cancelled. When he asked for my SS # I refused. I didn't even give him my last four of the SS #. He did get my address. He said this will take some time to pull it up with minimum info. After some time on hold, he came back and said this was the case. It was approved and we cancelled the account right now. I'm happy I was able to resolve this quickly, before a person with no conscious can start charging up on me? He gave me a confirmation key code and explained I will be receiving a confirmation letter in the mail 7-10 days. I need this written document in my hands to feel reassured. Again, the way the gentleman was handling the situation seemed as if he does this all of the time. No complaint! 

I was a SS # that was suspected as stolen in the XXXX XXXX   breech. Always when a breech happens usually the stolen SS # 's stay low and come out a couple of years later. Ever since then I have been looking at XXXX XXXX every 2 weeks. I'm very cynical and suspect of how information is being handled in our technological dark age. You work hard, live right and contribute to society to make it better and yet, large corporations who have all your personal information and livelihood XXXX up and you are the one who has to get out of the financial disaster they created. And the sad thing, you can't even opt out. I mean no freeze! Opt out completely for hard inquiries ... the three credit bureaus not having that information!
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter of dispute of inaccurate items contained in ccredit report on XXXX/XXXX/2020. As of todays date XX/XX/2020 I have not recieved any corespondence from the credit bureau. This is well over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

Extr a 20 checking. EXTRA20 BILL PAY BONUS. EXTRA20  DIRECT DEPOSIT BONUS.       I was told by,  XXXX   XXXX ,  Santander Personal  Banking Representative this savings account was not a promotion and I would receive {$20.00} forever as long as I had the account. The  Santander fl yer also states the same.  XXXX / XXXX / XXXX  was the last {$20.00} that was made. When I called  Santander C ustomer Service at  XXXX  and spoke with  XXXX   XXXX  ; he informed me the promotion was over. I told him I had not received any information fro m Santander regar ding this and th e Extra   XXXX  checking was not a promotion.   On  XXXX / XXXX / XXXX  I spoke with local branch employee,  XXXX   XXXX , and he agreed it should be honored and many customer 's are upset they discontinued it without any notification to their customers.          XXXX   XXXX   XXXX  ID :  XXXX  Mail Code :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX   XXXX  :  XXXX  Fax :  XXXX   XXXX  XXXX  XXXX   XXXX   XXXX  Personal Banking Representative NMLS ID :  XXXX  Mail Code :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX   XXXX  :  XXXX  Fax :  XXXX
Product: Credit reporting, credit repair services, 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Payday loan, title loan, personal loan, or advance loan

I took out a loan from lendingpoint for XXXX in XXXX. In XXXX I took out an additional loan for XXXX. In XXXX I logged into their app and it showed my loan would be paid off in XXXX. XX/XX/XXXX I logged into their app and it showed that they were making changes to their app and check back later. I contacted them and they told me my loan wouldnt end until not be done till XXXX. After speaking to them I logged back into their app and it showed the first loan for XXXX was paid off but that I owe them XXXX still. This is blatant fraud and I want these auto payments stopped and all over payments refunded
Product: Credit reporting or other personal consumer reports

Credit reporting agencies must adhere to reasonable procedures for the collection, maintenance, and distribution of information, as mandated by the Fair Credit Reporting Act ( FCRA ). The FCRA also imposes accuracy standards on creditors providing data to these agencies. Despite this, my credit report currently shows several inaccuracies in reporting accounts and inquiries, and I lack information about these accounts. Swift correction is imperative.
Product: Checking or savings account

On XX/XX/year>, I filed a dispute with Fifth Third Bank regarding a {$710.00} purchase of event tickets through XXXX. The tickets turned out to be invalid at the event, and the vendor provided no assistance when I contacted them for a resolution. Fifth Third Bank provisionally credited my account while they reviewed the dispute. However, on XX/XX/year>, the bank denied my claim, reversed the provisional credit, and sent out a written notice of the denial and reversalall on the same day. 

According to the Electronic Fund Transfer Act ( XXXX ), Fifth Third Bank is required to provide sufficient advance notice before reversing provisional credits in dispute cases. By issuing the reversal notice and removing the credit on the same day, Fifth Third Bank did not give me adequate time to prepare for the reversal, as required under the XXXX and XXXX XXXX I am requesting assistance from the CFPB in ensuring Fifth Third Bank adheres to their obligations under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled a copy of my credit report on-line and found that all 3 credit bureaus are reporting the following inaccurate information in my file that is negatively affecting my credit score. 
Creditor : XXXX XXXX Account Rating : Charge-Off Balance - {$16000.00} Reason : This account was fraudulently charged {$16000.00}. Please send me all copies of the charges account statements and investigation process including contacts and phone numbers. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below. 
I have contacted XXXX XXXX numerous times and never received documentation that these charges were mine. 

I have requested since XX/XX/2017 documentation. Called wrote letters numerous times. I received nothing. While speaking to XXXX XXXX they had a fraudulent home and work address for me. I had to contact them because ; they didnt have my correct phone number. 
Please delete this account immediately. The statue of limitation has been exceeded on asking for documentation from XXXX XXXX and your credit bureau. I have been requesting documentation since XX/XX/2017. 
This account has been sold to over 4 collection agencies and no one has any knowledge of the account activity. The partial account number is inaccurate and is unable to pull anything up. 
Its labeled XXXX XXXX on my credit reports. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be 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.

EQUIFAX 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! 


Update the late payments from my consumer reports
Product: Credit card or prepaid card

On XX/XX/XXXX, I received two notifications that Navy Federal Credit Union had ran my credit. It was strange to me since my credit was locked. How is a credit union able to manage this? On XX/XX/XXXX I received another notification via XXXX that another hard inquiry was submitted. As perplexed as I was I reached out to the company and received no resolution. On XX/XX/XXXX I received a notification that a credit card had been opened in my name. I reached out to the company and we confirmed that the date of birth was incorrect as well as other facts- such as the addresses being incorrect. I have never lived in XXXX XXXX or in North Carolina. However, there were the addresses. At this time, my credit was also locked. I reached out to the company and still- have not received a resolution. I am now being hindered as my credit score is being affected by these three inquiries and a now delinquent account for which I am not responsible for. How is it that this credit union was able to not only submit inquiries but also open an account while my credit was locked?
Product: Credit card or prepaid card

I made payments last month and the lady said they didn't come through on time because it was after XXXX XXXX, cool. I take that, I then make an early payment in which she stated that it was too early to count towards the next months bill so I ws once again charged a late fee the following month because she said the payment didn't go towards this month.
Product: Credit card

Take a look at the attached documents. I want the bureau to commence an investigation into these accounts, as I am consistently punctual, and yet they are reporting me as late.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX.
Product: Debt collection

In or about XXXX, XXXX XXXX forged her ex-husband 's name XXXX XXXX, to a student loan application for their daughter XXXX XXXX. 
The forgery was reported to the police and an Identification Theft Affidavit, police report, copies of identification were provided to the creditor. 
Collection efforts continue.