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

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and 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 reported in 60 days 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 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX 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! Delete the late payments from my consumer reports XXXX
Product: Payday loan, title loan, or personal loan

XXXX XXXX in XXXX tn. XXXX XXXX XXXX. XXXX and XXXX both have been told by my husband to stop calling him regarding my loan and they both called him today XXXX XXXX 2018. He is going to file harassment on them and the company
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was studying abroad in XXXX ( about a month after graduating ), XXXX stated that I made a late payment. The entire time I was in XXXX, which was for over 1 year I never received any information regarding the loan nor payments. I was unable to see any mail sent to my house as I was abroad. Before I left for XXXX, there was no communication between XXXX and myself. I never received any form of communication from them telling me I was going to have to pay soon. I also have loans with XXXX XXXX, a private lender, and was paying on those while in XXXX. Had I known about XXXX loans, I obviously would have paid them in a timely manner. I have provided proof of my time in XXXX and they have consistently denied my requests to fix my credit report or even negotiate with me. Upon returning to the US in XX/XX/2017, I checked my mail and saw the letters from XXXX. I immediately called and started a payment plan with them. I have never been late on any payment. They have marked my credit score with 9 late payments ( 1 for each loan ). This is creating havoc in my life and is forcing me to find cosigners for each and every major purchase needed. I have been denied by various credit advantages due to this incorrect information on my credit report. All I am asking if for someone to try and understand my situation. This is making my life very difficult when it should not be.
Product: Credit reporting or other personal consumer reports

Yesterday and for XXXX XXXX XXXX I have been working hard to manage my accounts for better scores to purchase house and car. Yesterday score was XXXX all info same today lowered score XXXX points nothing was changed I paid as I was supposed to someones tampering with this account.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, 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. Please remove the following items from my credit report, immediately XXXX 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 XXXX XXXX XXXX XXXX
Product: Debt collection

My XXXX XXXX with XXXX XXXX covered the entire XXXX for XXXX XXXX XXXX of 3 dose series. I only had to pay {$8.00}. Credit Collection Services sends me a bill stating I owe {$470.00}. The vaccine was already covered in full by the insurance of XXXX XXXX with XXXX XXXX. The excessive charges is inaccurate. According to XXXX XXXX XXXX it was overpaid, and in the negative.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX/DOFED Account Number : XXXX Account Name : XXXXDOFED Account Number : XXXX Account Name : XXXX/DOFED Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing the overall credit profile, the XXXX XXXX XXXX XXXX continues to furnish collections on the credit profile. Medical bills were paid from Medical Assistance. Insurance is rendered from the Department XXXX XXXX XXXX.
Product: Checking or savings account

Trying to receive money from my account but won't let me
Product: Credit reporting or other personal consumer reports

I received a credit alert on my Equifax credit report regarding an education loan that I took out in XXXX, not the US. 
I have attached the loan approval letter which I received on XX/XX/XXXX. I came to states in XX/XX/XXXX The loan co-signer is my father, and he is making the payments from XXXX. I am unsure why it has been reported on my US credit account. 
This entry has significantly lowered my credit rating. I request that this information be removed from my account.
Product: Mortgage

On XX/XX/2020, I was pre-approved By Wells Fargo for a mortgage of {$300000.00}. 
On XX/XX/XXXX, I received " Upfront Fee Payment Confirmation '' from WF for the {$400.00} fee I had paid to open an escrow for the purchase of a house. 
Between XX/XX/XXXX and XX/XX/XXXX, I have uploaded over 45 documents ( over 150 pages ) to my " Loan Tracker '' account with WF. 

I have also communicated via email and telephone conversations. Meanwhile, the escrow has already been extended twice, and I have stressed many times with my WF loan counselor that the sellers are anxious, issued a " Two-Day Notice to Perform '' 3 days ago, and that we are going to lose the house if I can't at least tell them that WF will fund my loan, and give them an approximate closing date. They will cancel the contract now, because WF will not respond one way or the other on the funding. 

I have given WF every document they requested, except ONE, which was one of 3 new documents requested only 2 days ago. My checking account is with XXXX, and it is titled XXXX XXXX XXXX, Trustee for XXXX XXXX. She is one of my daughters. WF wants a " Trustee Statement '' from XXXX. " The statement must confirm that you are the primary beneficiary with unrestricted access to all, or a specific amount of the funds needed to close the transaction, including any required cash reserves. Statement must indicate if funds will or will not be a loan. If funds will be a loan, provide repayment terms. '' I have explained to WF that I called the USBank XXXX number, and was told that only the Branch Office could provide the Statement. That person gave me the Branch phone number, and was surprised to see that they are open ( presumably because of Covid-19 shutdowns ). I called my branch and they are not answering the phone ; I left a voicemail message to ask for assistance with a " Trustee Statement '' for an escrow. They have not called me back. The bank 's hours are limited : " LOBBY XXXX to XXXX. '' I presume that means walk-ins, banking transactions only. And the branch is an hour-and-a-half away from where I live and work. I have told WF that it is IMPOSSIBLE to obtain the Trustee Statement at this time. 

Furthermore, I have stated in writing to WF that I have NO INTENTION of using funds from that XXXX checking account for escrow. I have told them that my intention is to pay for the down payment and all escrow fees from my XXXX XXXX   XXXX account. But, my counselor won't even try to communicate with the underwriters with this information. All I get from her is " all document requests must be filled. '' And as a result, I am losing the house. The sellers are done.
Product: Credit card

Sent to Amex on XX/XX/XXXX : Card : XXXX XXXX 
XXXX XXXXXXXX {$50.00} credit was incorrectly clawed back by you. 

XX/XX/XXXX {$50.00} - AMEX XXXX XXXX XXXX XXXX XXXX - {$830.00} XX/XX/XXXX - {$50.00} Credit - AMEX XXXX XXXX XX/XX/XXXX {$830.00} XX/XX/XXXX- {$830.00} XX/XX/XXXX {$830.00} XX/XX/XXXX {$830.00} You can see 3x {$830.00} XXXX charges, and then XXXX - {$830.00} XXXX refunds. So my net spend with XXXX was {$830.00}. Therefore I am owed a XXXX credit, while you took it away. Please resolve the issue and credit my credit back to me. 
-- - Their response : I was able to see that and please refer to the posted date instead. 
Rest assured that the case will be investigated as you're claiming for the credit. 
By any chance is there anything else I can assist you with? 
-- - Sent to Amex on XX/XX/XXXX : REPORTED ON XX/XX/XXXX. 
Please provide status update on this : Card : XXXX XXXX 
My XXXX {$50.00} credit was incorrectly clawed back by you. 

XX/XX/XXXX {$50.00} - AMEX XXXXXXXX XXXX XXXX  XXXX XXXX - {$830.00} XX/XX/XXXX - {$50.00} Credit - AMEX XXXX XXXX XX/XX/XXXX {$830.00} XX/XX/XXXX- {$830.00} XX/XX/XXXX {$830.00} XX/XX/XXXX {$830.00} You can see 3x {$830.00} XXXX charges, and then XXXX - {$830.00} XXXX refunds. So my net spend with XXXX was {$830.00}. Therefore I am owed a XXXX credit, while you took it away. Please resolve the issue and credit my credit back to me. 
-- - Their response : have checked and can see that you have made two charges on XXXX which has been returned/canceled for which you have get refund on XXXX and XXXX that is the reason XXXX  credit of {$50.00} has been reversed -- - My response : Doesn't matter. Three charges. Two refunded. One still remaining. And for that one you owe me the credit. 
I'm reporting it the second time. Since you are as deaf as the previous person, I'll be filing a CFPB complaint now and having it resolved that way. Unacceptable. 
-- - EXPLANATION for CFPB : Amex XXXX card offers a {$50.00} semi-annual credit on XXXX XXXX XXXX purchases. Here 's a list of transactions in XXXX 2024 : XX/XX/XXXX {$50.00} - AMEX XXXX XXXX XXXX XXXX XXXX - {$830.00} XX/XX/XXXX - {$50.00} Credit - AMEX CREDIT XXXX XX/XX/XXXX {$830.00} XX/XX/XXXX- {$830.00} XX/XX/XXXX {$830.00} XX/XX/XXXX {$830.00} It's clear as day - I spent {$830.00} with XXXX three times, and got refunded {$830.00} twice. The net spend is {$830.00}. So I am owed a {$50.00} credit from Amex.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my report The Credit bureaus stated my account was properly investigated but how is that possible if the open dates are inaccurate the date last active is inaccurate, last date reported is Inaccurate, this is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U. S. C 1681 Section 602 A. Section 2 : it also States a consumer reporting agency can not furnish a account without my written instructions Also, Credit bureaus took more than 30 days to complete my investigation Here is my CERTIFIED MAIL Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Since XX/XX/year> I have seen this company on my credit I have sent them a cease and desist with attempt of damaging my credit. Send verified proof of the wet signature. I am not even aware or know or have knowledge of the company the are trying to collect from. Have sent multiple dispute through experian stated this isnt me and even the address they have on file isn't mine. I am also on extended fraud alert when my all my credit cards where stolen. And even the copy of the police report when my XXXX XXXX XXXX  was sleep and the cards where stolen. There was a FCRA investigation on my report. They have called numerous times over the year. And being hostile towards me. Since they on the XXXX, calling to XXXX at odd times. I explained to them under the Fair debt act sec 802 the use of unfair debt practice. My old neighbor was question stated they was filing a lawsuit trying to gain knowledge of new address. I asked for a debt validation letter, and asked them through a letter and on all bureau stop contacting me in this manner
Product: Credit card or prepaid card

I have been disputing an account that is reporting on my Credit File with AMEX account number ending XXXX. It has been disputed through the bureaus and I even requested information directly from AMEX and they only sent me a generic reply. This account is past the statute limitations. Amex is not sending me the information showing when the last payment was made. They are not reporting correct information to the bureaus this is against the FCRA
Product: Debt collection

In a review of my credit file, I see, Choice Recovery, listed on my credit file. I have never heard of this company. I believe they are trying to take advantage of the elderly. They are depressing my credit score with their entry on my credit file.
Product: Student loan

WELLS FARGO A Personal signature loan with a co-signer was taken out when I lost employment, so I could return to school to finish a degree. The funds were used for living expenses. Divorced 3yrs later and with XXXX children, I had no choice but chapter XXXX bankruptcy that was filed in XXXX XXXX and discharged in XXXX XXXX. 
A letter from Wells Fargo dated XXXX XXXX was also obtained and filed with the bankruptcy courts, ( see attached letter from Wells Fargo ) explaining the debt was a dischargeable loan. Five years later I find out the loan was deferred as I have been in a master 's program. I did NOT request the deferment! Now that the loan is out of deferment, I am being told the debt was not discharged. I have made several attempts in contacting Wells Fargo along with sending certified letters to have this issue resolved. 
Several occasions I have made contact with Wells Fargo, I get the runaround and passed back in forth between customer service and the bankruptcy departments. Each time telling me I am not in active bankruptcy and the loan was not discharged. When I ask them to pull up the docket along with the page number showing the letter that was received and filed with the courts from Wells Fargo explaining the debt was dischargeable, ( see attached ) I get the excuse the letter was dated in XXXX and the bankruptcy was not discharged until XXXX, so the letter had expired. I have spent many hours/days trying to get this resolved and have not gotten anywhere. I have had Wells Fargo on several occasions tell me they will have a supervisor look into the letter and the bankruptcy and will get back with me. I wait a week to ten days call back and the process starts all over again, meanwhile reflecting on my credit and unpaid late notices.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving accounts vulnerable and unprotected. Furthermore, their dispute resolution process is unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused a significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report reflects three consecutive mortgage lates back in XXXX, XXXX and XXXX of XXXX suggesting that I was late in XXXX, XXXX and XX/XX/XXXX ( 30 day reporting ) I wrote the XXXX XXXX on XX/XX/XXXX disputing this report. I submitted both the credit report as well as my bank statement reflecting payments and dates for a full calendar year for both my XXXX XXXX accounts. I received a general acknowledgment response thanking me for my inquiry stating that I would be provided a response by XX/XX/XXXX. On XX/XX/XXXX I received a letter stating they were unable to determine my specific concerns. Additionally, I received a phone call that same day stating that they had resolution and basically reiterated what they show in their system. I asked them if they looked at any of my supporting documentation that reflected timely payments through my bank and that I thought they had an internal issue with how they applied they payments. This is consistent with how their statement reflects missing payments in XXXX and XXXX then multiple payments in XXXX. They admitted to not looking at the information and stated it would take more time. On or about XX/XX/XXXX, I received another phone call stating that they would not resolve my issues unless I submitted more supporting documentation. Since that time I have tried to get qualified for a mortgage on a new home and have been plagued with this inaccurate reporting. The new mortgage company that I have worked with has received very little cooperation from XXXX XXXX to resolve this as well. I am now stuck with the inability to get funding for a new home while in the process of moving. I believe XXXX XXXX has carefully walked the line in regards to being compliant with the FRCA, from a timing perspective, but has not done anything ethically to resolve the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a 30 day late payment with XXXX XXXX XXXX now XXXXXXXX XXXX through Experian. The bank took too long to respond so Experian deleted my almost XXXX of history of auto loan payments resulting in XXXX points decline. XXXX Bank has made numerous attempts to reinstate my loan history to no avail. It has impacted my ability to apply for credit etc because XXXX points is significant. I would simply like Experian to add back my auto loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been affected by this data breach
Product: Credit reporting or other personal consumer reports

This is a formal follow-up to my previous dispute regarding inaccuracies on my credit report. Despite my efforts to resolve these issues, the following accounts remain inaccurately or fraudulently reported. I demand immediate action to correct these errors, as detailed on my letter.
Product: Credit card or prepaid card

In late XX/XX/XXXX, I got a loan to purchase a truck for my new business, get windows for our home and pay the balance off of my PNC Credit Card. At the time, I thought my balance was {$6000.00}, so that is what was sent to PNC. However, this left a {$37.00} balance that I was unaware of until I received notification from them of a past due notice dated XX/XX/2018. After calling customer service, I found out that {$66.00} in interest and late fees had been added, and we were turned into the credit bureau for late payment. However, we had never received a notice about a balance due prior to this. I was told by one Customer Service Representative that we were enrolled for paperless bills, which was untrue ... up until my loan payment, I always received statements. After a lot of back and forth, they did remove the late fees but refused to help with my credit score which dropped 30 points from them turning me in. I proceeded to file a complaint with the online customer service center of PNC online banking. I was called by someone two days later only to be  treated very rudely. The person told me a different story, saying the statements showing we had a balance were mailed out to the proper address, and it was my responsibility. Also, I had an online account therefore I should have looked to make sure there was no balance. Why would I look when I was under the impression it was paid off. What is the likelihood that I missed 3 bills from them? And this is completely different from what the first customer service rep told me. I have always paid my bills on time. I have a joint checking account with them with my wife, we both have credit cards, and I have a business account and credit card with them. Yet, they will not lift a finger to help resolve this unfair black mark to a credit score I have worked hard to keep in good standings.