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

This account was charged off on the following date XXXX XXXX XXXX XXXX  Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statutes of limitations. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Lender has a {$150.00} service fee which is added to the finance charge at closing. However, the APR is not adjusted to reflect this. Thus, the APR is incorrect. Also, since the top rate is 27.99 %, adding the service fee would violate usury limits.
Product: Debt collection

A XXXX cell phone debt that was sold to AFNI, and previously discharged in my bankruptcy, ( both XXXX and AFNI received notices ) is reappearing as a recent XXXX 2015 .collection by AFNI
Product: Mortgage

Back in XX/XX/XXXX I stopped receiving my monthly mortgage statement. I called in XX/XX/XXXX to have statements emailed to me. Never happened. I have called every month since ( 5 months ) and promised it would happen but nothing changes. I asked two months ago to go back to mailing the statement. Nothing changed. XX/XX/XXXX I called to talked to a supervisor or manager but none were available. I cOmpromised I would get a call either that day or the next business day. No phone call.
Product: Money transfer, virtual currency, or money service

OnXX/XX/XXXX, I was trying to purchase a " XXXX XXXX '' for my furnace from a website calledXX/XX/XXXX. The valve was heavily discounted and I need to save money when I can. The web site showed a regular price of {$240.00}, but marked down to {$120.00}. I filled out the card information and made the purchase. After that, I get a receipt stating I had paid a total of {$94.00} to something called " XXXX XXXX. '' {$87.00} of that total went to XXXX XXXX, the balance was a " fee, '' with no disclaimer stating why the fee was being charged. I held off reporting as I waited for some response that my valve was on it's way. Today, two weeks later, I called Paypal, and I find that this money transfer was tagged as a " Friend or Family '' transfer, and because of that, Paypal claims they can not file dispute, nor can my bank. In essence saying, " sorry man, you XXXX XXXX, but we can't help you, ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debtXX/XX/XXXX. I do not have a contract with that company. I have contacted Experian andXX/XX/XXXX regarding this collection fraudulently filed on my credit report, but they still refuse to remove it.
Product: Credit reporting or other personal consumer reports

I wrote letters of dispute for collection accounts no original contracts were provided nor was my personal information was update with old information deleted I had been a victim of identity theft during XXXX. Requested alert and freeze non was applied and approved. In said letters I explained I was XXXX  during XXXX  for 3 years and my information was stolen in a shelter. I never received any information or updates to this but a letter stating they had a security breach and my information was once again compromised. These issues have caused me and my family severe credit and financial abuse to where I am unable to secure business grants and loans to grow my company. I no longer wish to have XXXX delete and remove all personal information from there data base. I request that they are not allowed or banned from accessing anything regarding my person
Product: Mortgage

We were originally supposed too close on XX/XX/XXXX, since then we've had multiple addendums for extensions. These extensions also cost me an additional {$2500.00}. All closing documents were signed on XX/XX/2020, yet Bank of America has yet to wore transfer the funds into the escrow account. According to the contract, FHA guidelines, and loan documents, this transfer should have taken place within 24 hours of signing. I have over {$20000.00} sitting in escrow, yet I still get a key to get into my home. All closing costs were paid. Please help! Bank of America is not answering my calls, and they keep giving all parties involved excuse after excuse with no definitive explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I apply for ANY credit, I am sent letters denying me however these same letters states that either a credit report was not pulled or I have a 700 plus score but yet they still deny me for ANY loan or credit application. I wrote the 3 credit bureau on XX/XX/2020 updating my legal name because I was denied credit due to " inactive file '' status. My name has a suffix behind it so I sent them my ID and other documents to provide proof of my identity and requested my credit profile show up active. I never received any correspondence from them or any notification. Further more my identity was stolen by the SBA and I received a Notice of Data Breach. I am unsure why i am having these issues but know that I should of been offered the credit in which I had requested. I am still receiving notices that states these concerns. Your help in this matter will be greatly appreciated.
Product: Checking or savings account

I tried to deposit my social security disability check into my bank account mobile app and it was returned and bounced. The bank told me that the check was no good.
Product: Credit reporting or other personal consumer reports

You are in violation of the law! 

As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, you are not allowed to propagate misleading information. XXXX XXXX is knowingly making false and misleading statements about my student loan debt. 

As per the XXXX Emergency Relief and Student Loan guidance from the Department of Education XXXX XXXX Department of Education owned loans are suspended from payments, collections and default from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX. This is solidified in the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act ( P.L. 116-136 ) and invocation of the Higher Education Relief Opportunities for Students Act of 2003 ( HEROES Act ). Based on these acts the Department of Education put for the following policies : Accrual of interest on ED-held student loans and certain non-ED-held student loans was suspended from XX/XX/XXXX, through XX/XX/XXXX. 
ED-held loans were placed in a special administrative forbearance ( payment pause ) for XX/XX/XXXX, through XX/XX/XXXX. During this time, borrowers were not required to make payments on their loans. This special administrative forbearance counted toward the 120 monthly payments required to qualify for XXXX XXXX XXXX XXXX ( XXXX ), the maximum repayment periods under the income-driven repayment ( IDR ) plans, and the nine voluntary payments required for individuals to rehabilitate their defaulted loans.

Debt collection activities, including involuntary collection activities such as wage garnishment and offset of certain federal benefits ( e.g., Social Security benefits ), were suspended on ED-held student loans for XX/XX/XXXX, through XX/XX/XXXX. 
Multiple rules related to the 120 monthly payments required to qualify for XXXX were waived. 
A one-time revision was made to the accounts of borrowers with ED-held loans to provide credit toward the XXXX plan maximum repayment period for any months in which they were in repayment status and for specified periods of deferment or forbearance. 

My Navient student loans were owned by the Department of Education ( proven by the Department of Education XXXX approval ). As per court order ( CFPB vs XXXX XXXX ) XXXX has been banned from servicing student loans based on decades of systemic predatory and deceptive practices, my loans have been moved to another servicing agent. XXXX is no longer responding to my verification requests. 

XXXX is still responsible for removing incorrect and inaccurate reporting information on my credit report, in accordance with federal law and the FDCPA. 

As per CARES Act and HEROS Act any and all XXXX late payment information from XXXX XX/XX/XXXX through XXXX XXXX is inaccurate and incorrect. Any and All late payment information from that time period needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> {$0.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Dear CFPB, Subject : Inaccurate Late Payment Reporting for Account with XXXX XXXX I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Experian for account # XXXX with XXXX XXXX. These late payments are erroneous and do not accurately reflect my payment history, as I have consistently made payments on time through autopay. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. My account was fully paid on time, and autopay was active to ensure consistent, timely payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness and payment history.

Potential Violation of the Fair Debt Collection Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure maximum accuracy in consumer files.

Additionally, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively, allowing for damages, including actual damages, attorneys fees, and possible punitive damages for failure to comply with the Act 's requirements.

Summary of Errors on Account The XXXX XXXX account displays several discrepancies across credit bureaus. XXXX incorrectly reports XXXX late payments for XXXX, XXXX, XXXX, and XX/XX/XXXX, while Experian and XXXX report late payments for XXXX, XXXX, XXXX, and XX/XX/XXXX, despite timely payments through autopay. XXXX and XXXX list a high balance of {$30000.00}, while Experian shows {$0.00}. 
Additionally, the " Date Reported '' and " Date of Last Activity '' differ, leading to inconsistencies in account status. XXXX inaccurately describes the account as " closed or paid account/zero balance, '' while the dispute status remains " not disputed '' despite prior correction requests. These errors collectively misrepresent the account 's payment history, balance, and dispute status. 
Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payment notation from my credit report. All entries should be updated to reflect my accurate payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue XXXX lead to further action to protect my consumer rights. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX XXXX : {$390.00}
Product: Mortgage

A review of my morgage account activity was conducted on XX/XX/XXXX. It was discovered that {$230.00} has been paid from my escrow account as XX/XX/XXXX and XX/XX/XXXX monthly private mortgage insurance premium. Upon verifying loan documents provided at settlement signed XX/XX/XXXX ; monthly PMI premiums should be {$51.00}. PNC Mortgage has not provided any form or correspondence explaining the PMI monthly premium change and has repeatedly declined to discuss this issue with me. THIS IS NOT A DUPLICATE OF CFPB CASE # XXXX. THIS IS A DIFFERENT ISSUE REGARDING A DIFFERENT LOAN NUMBER.
Product: Checking or savings account

I applied for an HSBC Choice Checking Account after visiting their website and being offered a {$200.00} account promotion. I have screenshots and saved emails showing the terms of the promotion, which state : " Open new HSBC Choice checking account by XX/XX/2018 ; and Deposit a minimum qualifying balance of {$1500.00} or more in new money in combined checking and savings accounts within 30 calendar days of account opening ; and Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance. 

I met all terms and conditions more than 2 months ago on XX/XX/2018, but they still haven't paid the bonus. The official terms state " You will receive the {$200.00} welcome deposit in your new HSBC Choice Checking account approximately 8 weeks after completing qualifying activities. '' Well, more than 8 weeks have passed and they continue wasting my time instead of honoring the contractual agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. The following item is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Creditor : XXXX XXXX XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor : UNLISTED- Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX - Account : XXXX Creditor : DEPT OF EDUCATION/XXXX - Account : XXXX Creditor : XXXX XXXX - Account : XXXX Creditor : XXXX XXXX XXXXXXXX XXXX XXXX - Account : XXXX
Product: Vehicle loan or lease

Wire transfer sent XX/XX/23 for {$2100.00} and received by Nissan Finance on XX/XX/23. They will not credit wire transfer to my loan acct. It has been 9days and still no credit of my wire transfer to payoff loan. They now say 5 more days for a total of 21 days to get my loan paid off in their system. This co. is a loan SHARK.
Product: Credit reporting, credit repair services, or other personal consumer reports

Specialized Loan Servicing is continuing to report my mortgage account as late with all 3 credit bureaus when it was completely paid in XX/XX/XXXX and a satisfaction of mortgage was received by SLS in XX/XX/XXXX. See attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so confused why XXXX XXXX  XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX are violating my consumer rights according to U.S. Code 1666b and U.S. Code 1681a ( 2 ) ( a ) ( i ). I seek information regarding the verification process used by XXXX, Equifax, and XXXX to report late payments on my XXXX account, in line with U.S. Code 1666b. XXXX XXXX XXXX XXXX ( XXXX ) NEVER mailed me periodic statements 21 days before the due dates, as required by U.S. Code 1666b, for specific dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Furthermore, I question the inclusion of these late payments in my credit report under U.S. Code 1681a ( 2 ) ( a ) ( i ).
Product: Debt collection

This company ( Midland Credit Management ) keeps contacting me at all hours of the day every day of the week even though I am not the person they are looking for. I have recieved over 100 calls relating to the person and I have told them every time that the person they're looking for is. Ot at my phone number. I have blocked the phone numbers used by this company several times and they call back with different one looking for the same person.
Product: Credit card or prepaid card

Reported to the company on XX/XX/XXXX that the charges made were fraudulent, but they are still holding me responsible. Im going to file a police report as well as talk to a lawyer about this case. 

These charges were made on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2020, I attempted to initiate a dispute for a false item on my credit report from Equifax. There were two different links to initiate such a complaint, but after clicking both links, I got a message that Equifax had refused to open the page. There was no working link anywhere to contact Equifax.
Product: Credit card or prepaid card

Citibank- formerly my Sears card which I got solely to buy a new frig at their store - recently and arbitrarily reduced my credit limit from {$7000.00} to {$2000.00} for no good reason ( allegedly from non-use! ). This bullying tactic has just brought my XXXX  score down by XXXX points, from a constant excellent to just good. This is so nonsensical to me - most credit cards providers are happy when someone is responsible with their expenditures, payments and balances, Citibank is punishing me for it. I've had credit cards for years that I don't use all the time but they have never done this. They must be in some financial stress over there to punish me for what little bit of revenue I might provide with an expenditure I don't even wish to make at this time. It doesn't reflect well on Citibank as a financial institution to resort to this kind of coercion. I have written to them, saying that if they restore my normal credit limit ( {$7000.00} ) immediately I will put their card into my current spending rotation. But that doesn't feel right to me to have to do this. They have overstepped. I was deep in debt a few years ago, well over $ XXXX and I have worked hard to pay it off, and to keep it paid off. And to change my behavior. If I cancel their card, my credit score will drop even further. For being good! This can't be right. 

XXXX XXXX
Product: Student loan

I have a private loan from the XXXX XXXX XXXX XXXX XXXX XXXX  being serviced by Heartland ECSI. I submitted a deferment request XX/XX/XXXX in which the loan would deferred with payment due XX/XX/XXXX. This loan was accumulating late fees on my monthly generated bills. I contacted ECSI 10+ times to address this. I asked why a loan in deferment was accumulating fees. They could not answer me. I asked several times for the Finance Department number and was rejected. I asked for the Finance Department to call me to resolve unwarranted late fees. Multiple times a was assured a ticket had been created. I never received a call. This has been going on for 6 months with multiple hour long plus phone calls with no resolution. The employees in fact agreed, with the signed deferment paperwork, that I should not be accumulating late fees when no payments were due. The responses from the clearly incompetent phone answerers ranged from I it was resolved, dont worry to why dont you have money to pay it to someone will call you within 48 hours. This is absurd that they can charge fees out of contract negotiation. I was told today that they cant take the late fee off of my account due to policy, although they cant explain why I have late fees on an account with a bill that isnt due until XX/XX/XXXX. I was told a ticket was being created and XXXX ( the employee ) refused to provide me a ticket number. I was also refused to be allowed to speak to a supervisor or a representative of the finance department.