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

My account with 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 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 on my account 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 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

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account XXXX : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I purchased a multizone mini split ductless heating and air unit from XXXX for {$61.00}. I received an email from them with a receipt of purchase. They said it would ship in 72 hours. 
( XX/XX/year> ) I waited for them to ship and never got an updated email. I continuously tried to message the company with no success. My email wouldnt send because there servers dont exist. And after going to their website and trying to find a live chat option which they didnt provide I did come across a phone number for them which isnt in service. 
( XXXX ) So I proceeded to message cash app and let them know I want to dispute the charge for product never received. Immediately within a few hours they had denied my claim saying I had received the product. Mind you I sent screenshots of the email not being a real email. The status currently of the item still have not being shipped. And told them call the number they provided for their business and see for themselves its not in service. 
( XX/XX/year> ) cash app said they wont re open the dispute and told me I could ask for the paper work and documents on the complaint case and when requesting the documents what they provided was false.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 5 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Product: Credit reporting 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 XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account NumberXXXX has violated my rights. Or a 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: Credit reporting or other personal consumer reports

On XX/XX/, I tried to dispute a credit card balance on Transunion 's website and it kept giving me an error. Then I tried to pull my free credit report, and again, Transunion 's site indicated an error, that I was unable to get my free credit report. So I called, and the agent said I could not get my score without paying {$9.00} and to get my report, I would have to be transferred to their " technical '' department. 

Doesn't the CFPB, the administration, and government agencies at-large see a huge conflict of interest with letting these credit bureaus, all three and maybe the fourth, compelled to provide the American people with the information they SELL to private industry - and also sell all their product lines along with it? The identify theft protection, the credit monitoring, the fraud prevention- they're selling Americans all their bells and whistles and conveniently not able to provide us with our own information for free as agreed. Who is looking out for us? These bureaus are for-profit entities and our consumer protections against their quite often wrong information, black box algorithms for scoring, and suite of tools designed to make Americans pay for their information they're entitled to review and dispute- is eroding quickly. Who is watching out for us on XXXX XXXX?
Product: Debt collection

I contacted Self to have them remove this from my credit report, as they was reporting inaccurate information on my credit reports. This account is showing a collection/charge off yet it has an open balance & shows it was closed on XX/XX/XXXX but yet shows updated on XX/XX/XXXX?? So this needs to be removed my from credit report immediately!
Product: Credit reporting or other personal consumer reports

am writing to formally request the blocking and deletion of fraudulent accounts from my credit report as permitted under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( a ). My information was compromised in the Equifax data breach. As a result, this has led to me being a victim of identity theft, and unauthorized accounts being opened in my name. I have included an attachment of Equifax confirming my information was compromised and I kindly request that XXXX block the following accounts and prevent any further reporting of them on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I request that these accounts be blocked from appearing on my credit report. Additionally, I am requesting the removal of the following Hard Inquiries that have resulted from this identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

With regards to account # XXXX, I observed that this company had been reporting fraudulent information to the credit bureau and was listed on my credit profile. This false information plummeted my credit score and I told them three times- this account does n't belong to me. I have even asked them to validate the debt to which they have refused to comply. I further asked for as copy of the contract that contractually obligates me to pay them a debt- I do n't owe. I know I have rights as a consumer according to the FCRA and the FDCPA to which they have already violated three times by reporting. This information can be litigated as a civil matter. However, I just want them to delete these account due to it being reported in error.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent account name XXXX XXXX XXXX, account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2. Also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

This inquiry on my report is not from me I am not sure what this is, but I do not have any open accounts with this company XXXXPAYPAL ( Bank ) I would like for this company to prove that this is my account or inquiry because I do not have knowledge of this company.
Product: Vehicle loan or lease

I have been attempting to contact Huntington Bank for over a month because I have moved to a new state and need to transfer the registration of my vehicle. I am now one day from having expired temporary tags because no one from Huntington Bank has ever contacted me or my local Department of Motor Vehicles. I have sent two letters, sent two faxes ( one of which was sent directly by my local DMV ), and had several failed attempts at phone calls with Huntington customer service representatives. Each time I have called, I am told by a representative that they can not help me but must transfer me to an auto lien department. Once transferred, I wait on the telephone for a period of time and then am disconnected. Getting savvy to this unfortunate chain of telephone run-around, I asked for a direct number to the autolien/title department, which unfortunately routed me directly to customer service again. This is unacceptable. I am going to be in violation of state/local law because Huntington 's awful management of its lien department . I want an immediate resolution to this issue.
Product: Checking or savings account

In XXXX XXXX XXXX  I applied to a CIT Savings account. I received an error while submitting my application ( see attached ). I called customer service and reached a representative named XXXX. She advised me to mail a message to the XXXX office requesting needed information to continue my application. I mailed the letter the following day ( see attached ). 

Over three months later, I have not received clarification or a response from the bank as to why I could not open a savings account.
Product: Checking or savings account

Persistent inability to access my banking account with VyStar Credit Union for serval days. 

The mobile app and online banking unavailable all this week without any notification or updates. 

When I called the representative acted clueless. This was earlier this week listed as a known problem on their website but has since been removed.
Product: Checking or savings account

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX XXXX, CT, XXXX ] [ XXXX ] [ XXXX ] I am writing to formally file a complaint regarding the recent closure of my checking account without prior notice or explanation. On [ XX/XX/year> ], I attempted to transfer funds from my checking account to my savings account, and shortly after, I was informed that my account had been closed. 

At the time of the closure, there was a balance of over {$22000.00} in my account, and I am now unable to access these funds. Despite my attempts to resolve this matter, I have been informed that my account will not be reinstated. 

Given the circumstances, I am requesting that the full balance of my account be issued to me via check within XXXX  days from the date of this letter. If I do not receive the funds within this timeframe, I will have no choice but to pursue legal action to recover my money and address the unfair and unlawful closure of my account. 

Please treat this matter with the urgency it deserves. If I do not hear from you or receive the check within the stated period, I will proceed with all available legal avenues, including filing a complaint with relevant regulatory authorities. 

I expect prompt resolution and thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX Thats the letter I sent them the close my account with over XXXX in there for no reason all I was doing was transferring money from my checking to my savings account all the proof of transactions are on the account I was wrongly accused of fraud by the system and they close my account and never said I can bank with them again and ruined everything for me as far as paying my bills and credit cards on time and Im very upset and disappointed I was A valuable customer I felt profiled going into my local branch just to take out money now I feel like they closed my account to keep my money and Im very upset and angry and hurt by it cause that money was mine and I earned that for them to just take it away and make me wait to get it in a check but I want to make sure I get the full amount and that I actually receive a check in a reasonable time
Product: Mortgage

I have applied for an Fannie Mae refinance on XX/XX/2019, through Citizens Bank, who have already given me a Home Equity Line of credit and personal loan to renovate my home. My mortgage banker XXXX XXXX was very helpful and seemed to think the deal was cut and dry. After the initial paystubs and tax documents submitted, XXXX XXXX said the process should take 45-60 days, even with a few items to be completed on the home, ie : additional bathrooms and decking need completion. I was locked into a mortgage rate at 4.375 %, which has expired due to bank dragging out the process since XXXX XXXX left the bank. 

The refinance is to incorporate all of my building expenses, that were taken from the equity, personal loan and credit cards, which funded the construction. At the beginning of this process, I had a credit score in the 780 's, and able to show income to support the approval of a loan and have {$300000.00} in equity after recent appraisal. As time goes on, my credit scores drops monthly due to credit cards being at their max levels from construction costs, which will make it difficult for me to start over with another lender if Citizens denies my application. 

Since we started the process, my original mortgage banker has " left '' the company or was fired and I was assigned to his manager, XXXX XXXX. Every week, XXXX XXXX asks for one document or another and stalls the process out- one week or two weeks at a clip, after receiving same. There is no mention of a potential closing and there is a huge lack of communication between the bank and I, as to how far we are in the process. XXXX XXXX will not take phone calls with me and limits communication to single email requests. As each week goes by another request comes from the bank and another week passes. They even have requested that we have 3x reserves, but will not accept cash on hand, that we have held from our equity line. 

Recently, XXXX XXXX requested that I put a hand-rail on our temporary deck and informed me that the Appraiser would need to take pictures of same. Today is XX/XX/2019 and XXXX XXXX just informed me that the appraiser didn't send her what they requested and therefore we have more delays. With XX/XX/XXXX upon us, we are seeing another long holiday give Citizens bank another 2 weeks of inactivity on my file. It appears that Citizens keeps moving the goal posts and delaying the process, for reasons unknown to me. While time keeps escaping, I am paying high interests on loans that Citizens gave me- to do the renovations and I am stuck in a virtual whirlpool of loan application uncertainty. I would like the CFPB to investigate my file to make sure that Citizens bank is processing my application fairly, as the constant delays and requests for documents, seem to be delay tactics extending me into the summer and placing me at risk for a higher interest rate mortgage.
Product: Credit reporting

I accepted an Experian offer for information about my credit score for {$1.00}. The offer came with a free 7-day membership in some sort of service, but I never agreed to receive or pay for any service other than the {$1.00} credit score report. I now see that Experian has been charging me {$23.00} per month. I never agreed to this charge. I received an email from Experian congratulating me on becoming a member, but with no disclosure of any fees or costs. ( See attached. ) Now, the Experian site will not allow me to log on with my credentials, and does not send me a temporary password or any other way to log on to cancel this fraudulent subscription that the company created in my name without my authorization. I have written Experian an email requesting them to cancel this fraudulent subscription.
Product: Credit reporting, credit repair services, or other personal consumer reports

My existing debt is {$2700.00} and not {$6900.00} reported on my XXXX report. This is not the accurate information about my debt as a result of which I am having trouble being eligible to get American Express personal loan. Please help to rectify the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Issue is with Bank of America Mortgage ( BOA ), I closed on this loan on XX/XX/2018 and I have contacted BOA on several occasions requesting that they notify the credit report agencies to notify to them that my account has been Paid and report account is in a Closed status. I only received mail correspondence from BOA stating account is paid in full effective XX/XX/2018 and that BOA do NOT notify credit report agencies of account status only negative reporting is sent to credit report agencies.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These Actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

My husband, XXXX XXXX and I, XXXX XXXX have repeatedly asked the XXXX XXXX to stop contacting us on our cell phones, and have given them our landline phone number. However, they continue to call our cell phones. When we remind them that they are not supposed to be calling our cell phones, they get rude and hang up on us.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.