23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit companies, XXXX and Experian are not complying with their own policies in a timely manner. XXXX has reinserted a account that was removed off my credit report under a different name called XXXXXXXX XXXX XXXX this from XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with DISCOVERBANK was never late! I have had exceptional payment history with DISCOVERBANK 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 XX/XX/year> 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.

DISCOVERBANK 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
Product: Credit reporting or other personal consumer reports

The specified accounts are reflecting negatively with late payments despite my consistent history of being a responsible and timely payer. Please remove these entries from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I been trying to get Experian to verify the source of verifier back to me they have failed to, to report back to me. I contacted the XXXX XXXX XXXX XXXXXXXX ask if they verify with the credit reporting agency, XXXX XXXX XXXX  XXXX sent saying they verify or report to the credit bureau 's or any other agency. I've included proof of a letter from the XXXX XXXX XXXX XXXX 
Also XXXX has responded saying the information was unverifiable so deleted the Bankruptcy from my Credit report and also XXXX, that's also stated it is unverifiable and has deleted it from my credit report so should Experian.
Product: Debt collection

I have received and answered calls from a company claiming to be Advanced Capital Solutions @ XXXX. I have asked them repeatedly to mail ( via XXXX mail ) me correspondence concerning the dept they are attempting to collect. They never disclose that they are attempting to collect a debt. They have demanded I pay over the phone and are still giving me the run-a-round about mailing out any information concerning the debt they are attempting to collect. I plan to also report them to the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX conducted a hard inquiry on my credit report. Equifax states I need to contact XXXX XXXX XXXX XXXX to initiate the dispute. With a letter from them, I would then submit it to Equifax in order to remove the inquiry. 

This process leaves the power of an institution to make a mistake and removes my ability to have any effect on my credit file. As I have no relationship with this institution they may be less interested in providing me a letter which can lead to an inordinately lengthy resolution, if one can be attained at all. 

This is a problem!
Product: Credit reporting or other personal consumer reports

My account with 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 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 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
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 Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX Balance : {$38000.00} ; XXXX XXXXXX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with TransUnion for reporting a inaccurate balance on my XXXX XXXX account. TransUnion removed the account completely. I called TransUnion and the stated that XXXX was not reporting to them- however XXXX proved the were reporting to them. 

I need XXXX to show on my TransUnion report.
Product: Credit reporting

I 've tried to access my report to no avail. I '' ve also tried to dispute. Each time these have been tried the computer pages just loop back and forth and there are no options to continue. Phone calls just go to a very long wait time that never gets answered. They sent me a report in the mail but no access to see it again online or disputed wrong items are available and they do not answer or respond. They 've made this difficult on purpose to not have to do anything they 're supposed to be bound by law to do. This is fraud at it 's finest. It always reverts back to a page to pay them for the info. or dispute. Can you say extortion along with fraud? Why is this allowed? Why can any company make a report to anyone 's credit and give whatever info. they want, but for us to dispute that defamation is not only almost impossible, but they the bureau 's want proof and personal info. none of their business to supposedly confirm ID? No ID to file a report, but ID to fix it ... ..something is bassackwards here ... ... .then next to impossible to even try to fix fraud and correct the info ... .oh my ....
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$21000.00}, {$42000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 


-- PERSONAL ACCOUNT -- 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$42000.00} -This is not my account.
Product: Credit card or prepaid card

I have applied for multiple chase bank credit cards and I was denied for all of them. The reasons I was denied were all reasons considered to be discrimination under the federal law. I also cant be denied an extension of my own credit. I tried to make things right with chase bank by sending them a hand written letter notifying them of there many violations against I, the consumer and natural person. I have yet to receive a mailed response ( requested by me ) to my notice.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of a debt reported by XXXX XXXX XXXX XXXX for {$670.00} on my credit report. I am requesting your immediate intervention in this matter to investigate and remove the debt from my credit report as it is not mine. I have recently obtained a copy of my credit report from Experian, XXXX, and XXXX, and I was surprised to find an entry for a debt from XXXX XXXX XXXX XXXX  listed as outstanding. I have thoroughly reviewed my financial records and can affirm, without a doubt, that I have never had any business transactions or contractual obligations with XXXX XXXX XXXX XXXX. I understand that under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to ensure the accuracy and verifiability of the information they report. 

Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has been established to enforce the provisions of the FCRA and protect consumers ' rights. In light of the above, I kindly request that you initiate an investigation into the following matters : Provide a detailed verification of the debt, including the original creditor, date of inception, and any supporting documentation that substantiates the legitimacy of the debt. Verify that XXXX XXXX XXXX XXXX has followed all required legal procedures in attempting to collect this alleged debt. Confirm that XXXX XXXX XXXX XXXX has complied with all relevant statutes of limitations pertaining to the collection of this debt. Provide evidence of any contractual agreement or documentation with my valid signature, binding me to this alleged debt. I would also like to inform you that the inclusion of this erroneous debt on my credit report has had a significantly negative impact on my creditworthiness and financial well-being. It has affected my ability to obtain credit, secure favorable interest rates, and may have implications for future employment opportunities. I believe it is paramount to rectify this issue promptly to mitigate any further harm caused by this false reporting. Should this dispute not be resolved in a timely manner or if the debt is not conclusively proven to be valid, I will be compelled to pursue legal action to protect my rights under the FCRA, including but not limited to filing a complaint with the CFPB, engaging legal counsel, and seeking appropriate remedies available under the law. 

I appreciate your immediate attention to this matter and request that you provide me with written or emailed confirmation of the receipt of this dispute within 7 days from the date of this complaint. Additionally, I kindly request that you keep me informed of the progress of your investigation and provide me with a detailed response within 15 business days. Thank you for your prompt assistance in this matter. I trust that the Consumer Financial Protection Bureau will act diligently and impartially to resolve this dispute and protect my consumer rights. I look forward to a favorable resolution and the removal of this incorrect debt from my credit report.
Product: Checking or savings account

Quit playing big brother and LET ME SPEND MY MONEY HOW I DECIDE AND STOP TELLING ME WHERE I CAN LINK MY ACCOUNT
Product: Mortgage

My home owners insurance was escrowed in my mortgage payment. The mortgage servicing company was XXXX for approximately 10 month and they renamed themselves recently to Newrez llc dba Shellpoint Mortgage Services. During this transition they sent numerous communications that the transition would be seamless and I would not have to take any different actions than paying my mortgage to the new entity. 
However, they failed to pay my home owners on time and the insurance company, XXXX, dropped me and will not write a new policy. As I have tried to figure out what happened Shellpoint is pointing to the insurance broker, XXXX XXXX. And the insurance broker is pointing back at Shellpoint and me. 
All I know is ; Shellpoint assured me nothing would change in their transition, I have lost insurance I had, I was able to get 1 quote which is {$1000.00} higher than my previous insurance. 3 insurers declined to offer coverage. I am paying Shellpoint for some sort of gap coverage which they have not told me what it will cost, but it is just temporary insurance and I believe they said the rate is high. 
What I would like is for Shellpoint to compensate me for the gap insurance and the higher premium I will be paying going forward.
Product: Credit card or prepaid card

I opened an account with M and T bank and used it for a balance transfer. When i finally paid off the balance I called them and asked to make my final payment and close my credit card account. I had never used the card except to transfer a balance and pay it off. I successfully paid my final bill of about 1,000 USD in XX/XX/XXXX. In XX/XX/XXXX I received many calls from M and T bank about having unpaid fees and charges. I told them that I had closed my account and paid the balance so I did not understand how I was still accruing any charges. She explained that there was some sort of final charge and I reluctantly paid the XXXX dollars. Just today, XX/XX/XXXX I received a call from M and T bank alerting me that I had unpaid fees and charges amounting to over 100 . I am still shocked at how, having closed my account, paid a balance as well as some extra fees I am still being hounded and charged by this company. Please help.
Product: Mortgage

I have a conventional mortgage with Mutual of Omaha Mortgage, including an escrow account. They took money out of my escrow account for property taxes. However, they referenced the wrong parcel number. I contacted the revenue office, who stated they never received a payment from Mutual of Omaha for any parcel. And, even if they had received it, the payment referenced a parcel # that doesn't exist in my county. So, the payment would have been sent back to Mutual of Omaha anyway. I ended up paying my property taxes directly, before any additional late fees were added. I have contacted Mutual of Omaha multiple times to try to get my escrow account credited. But each time I call, I am told they will have to research the check payment to see if it has cleared, stop payment, then they can credit my account. This has remained unresolved for months. Whether the check has cleared, been stolen, or is lost, is irrelevant. My account will still have to be credited because Mutual of Omaha did NOT pay my property taxes. I paid my property taxes. The payment they claim to have mailed never would have paid my taxes anyway. It referenced the wrong parcel number. The fact is, I paid my property taxes and Mutual of Omaha did not pay them. Therefore, regardless of where their check is, they still owe me a credit. But they refuse to do so in a timely manner. I am just getting the run around.
Product: Student loan

In XXXX, XXXX, my husband and I decided to refinance our home while the rates were low. One of the things we wanted to do was to payoff my student loan. During this process, our lender checked the balance of my student loan so that the amount could be added to the cash out portion at closing. 

In early XXXX, XXXX we closed escrow. The title company sent a check dated XX/XX/XXXX, in the amount of {$31000.00} to be paid to Navient for my student loan. Because I have had difficulty with Navient in the past, I called them on XX/XX/XXXX to pay off my student loan through ACH. During my conversation with the customer service rep, she informed me that interest had accrued in the amount of {$210.00} since the last payoff amount quoted to our escrow company. I paid the {$210.00}, as well as the {$31000.00} on XX/XX/XXXX. I confirmed with customer service that because I was making these payments, my account would be paid in full with no more interest, she said correct. 

On XX/XX/XXXX, I received notification that the title company 's bank rejected the ACH stating that they do not accept ACH payments. After a couple of weeks of voicemail exchanges, I was able to get to the right person at the title company who informed me that she would email me an overnight label so that I can mail the check to Navient. On XX/XX/XXXX, I called Navient to get the payoff department address, as well as to see how much interest had accrued since XX/XX/XXXX. I was told that I still needed to pay {$54.00} to cover the interest that had accrued. On XX/XX/XXXX, I called to make sure the check was received, and to pay the final amount of {$54.00}, and I was told that my account was paid off. The next communication I would receive would be that my account was paid in full. 

On XX/XX/XXXX, I received a notice from Navient that my account was still short in the amount of {$54.00}! This is not correct. My Navient account shows a XXXX balance. It also shows that payments were made on XX/XX/XXXX for {$210.00}, XX/XX/XXXX for {$31000.00}, and a final payment of {$54.00} on XX/XX/XXXX. These payments reflect the timeline of events as they occurred. I do not understand their accounting, nor do I believe that I still owe this company any money. My account must have still been accruing interest, which I was told would not happen. At this rate, I will keep owing Navient money indefinitely.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Dear CFPB Complaint Department, I am submitting this formal complaint regarding a debt collection account that has been inaccurately and unfairly reported on my credit file. Below are the details of the disputed account : Collection Agency : Consumer Adjustment Company Original Creditor Name : XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount Reported Owed : {$1200.00} Date Reported : XX/XX/XXXX This account, reported as unpaid, appears to violate multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting your intervention to ensure the matter is addressed appropriately. 
1. Failure to Validate the Debt ( 15 U.S.C. 1692g - FDCPA ) : I have not received adequate validation from the debt collector, Consumer Adjustment Company, as required under the FDCPA. Despite my requests, no proof has been provided to verify the legitimacy of this debt, including the original agreement, itemized charges, and proper transfer of ownership. 
2. Inaccurate Reporting ( 15 U.S.C. 1681e ( b ) - FCRA ) : Under the FCRA, information furnished to credit reporting agencies must be accurate. The amount reported ( {$1200.00} ) appears inflated, as the original balance owed was {$920.00}. Additionally, there is no explanation for the increase, and discrepancies in the reporting make the account unverifiable. 
3. Violation of Statute of Limitations ( Applicable State Law ) : The date of first delinquency is listed as XX/XX/XXXX. Depending on my states statute of limitations, this debt may no longer be legally collectible. Consumer Adjustment Company has failed to provide clear documentation proving otherwise. 
4. Harassment or Misrepresentation ( 15 U.S.C. 1692d and 1692e - FDCPA ) : If this debt is invalid or beyond the statute of limitations, continued reporting of this account constitutes deceptive practices and harassment under the FDCPA. 


I am deeply concerned about the negative impact this account has had on my credit profile and financial wellbeing. I trust that the CFPB will take appropriate measures to ensure this matter is resolved fairly and in accordance with federal law. 

Thank you for your assistance. I am attaching all supporting documentation for your review. 

Sincerely, XXXX XXXX XXXX XXXX SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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. 
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