23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

HI, The problem seems to be the fact that the reports do not show credit reports showing all payments have been made on time, there have been no late payments missed or late for as long as I can remember. 
There was reporting of my lease payments made every month for for the time i have lived here, for some reason that reporting stopped?, I have never been late or missed a payment ever, but the non reporting seems to have affected my score, in the credit report it shows that there were a few missed payments when i purchased my car, this is incorrect, I purchased the car in XXXX 2002 ( new ) car was paid in full in 5yrs, not one payment was missed or late. 
The other accounts in my credit life such as XXXX account, phone bills, all the normal everyday bills that do not get reported i have never missed or been late, but this system does not take any of that into consideration when reporting my score. 
I have taken pride in paying my debts on time, there have been no derogatory reports, no negative anything, but yet the transunion report, and the others continue to show a few missed payments in the car purchase, account is paid in full and closed years ago, no reporting on on time lease payments going on 4 years now, never late, never missed a payment, this reporting just suddenly stopped for some unknown reason. 
I guess you can see i am a bit upset with this reporting system, the errors that are there, have tried to get them corrected by contacting the reporting agency 's, the fact that my banking and savings accounts are above average, because i closed a credit card account because i was not using it, my score went down, and it seems the only way to get it back to where it was is to get another credit card and go into debt, just does not make any sense to me!. 
Thank you for the opportunity to lay this out, really would not have to go through all of this if there was a accurate and efficient way of reporting errors that need to be corrected. 

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

Hello I've noticed that there are addresses that aren't mine this is very alarming to me I have attached my identification with the only address and name that should be listed on my file I am a Jr and my file may be mixed up with my father or worse a stranger
Product: Checking or savings account

There were 2 unauthorized charges that were taken from my TD Bank checking account ending in XXXX. On XX/XX/2018, there was a {$1000.00} debit from " XXXX XXXX XXXX   XXXX XXXX ''. On XX/XX/2018, there was a {$120.00} debit from " XXXX XXXX XXXX XXXX ''. I reported this fraudulent / unauthorized debit promptly to the branch manager who said he would take care of this and get it credited. I filed a dispute online a few times through the bank 's website. I went to the branch when told I had to and filled out paperwork. I was told then that both charges would be credited back to my account. However, the money has not been refunded. I have been in touch with TD Bank about this for well over a year now. Their latest strategy has been to simply ignore my emails. There was fraud on the account, and those amounts should be credited to me. If their own employees do not properly file the fraud or inform me of the procedures to follow, that should not be held against me.
Product: Mortgage

for 8 years i have been trying to get a proper rate and terms from my mortgage company. They are taking half my income when 31 % is really all they are allowed to take. i have  XXXX  loans the first loan is {$200000.00} with almost 10 % interest for 55 or 60 years no one really knows, and i have a second loan that i got at the same exact time for {$50000.00} that has almost 11 % interest for 30 years i was told.     I am now 3 months behind and  NationStar has still  done nonthing but tell me i signed the paperwork.     {$2400.00} is roughly my total payment every month and if you do the math that comes out to {$230000.00}, and all but {$3000.00} has gone toward interest.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 ( MONTHS REPORTING LATE ) 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 XXXX  days before the payment due date. 


( XXXX XXXX, XXXX XXXX, UXXXX 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 XXXX  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: Debt collection

I was contacted by debt collector, Rauch-Milliken International ( RMI ), Inc. in XX/XX/XXXX regarding a disputed account. I asked my attorney to respond on my behalf. On XX/XX/XXXX, my attorney responded on my behalf. RMI did not respond to my attorney 's letter. 
On XX/XX/XXXX and again on XX/XX/XXXX, XXXX XXXX, a representative from RMI called and left a voicemail regarding the same issue. Furthermore, I received a letter from RMI dated XX/XX/XXXX. The letter threatened, " to avoid the possibility of asset attachment, including the seizure of ALL bank accounts, inventory, accounts receivable, etc., please contact this office immediately '' ( capitalized for emphasis ). 
I believe it is improper for RMI to be contacting me directly when I am represented by my attorney. RMI never responded to my attorney 's letter dated XX/XX/XXXX. This direct communication is an attempt to bypass my counsel and to intimidate me into settling the issue.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected.

US DEPT ED XXXX  Balance Owed : {$7900.00}.
Product: Credit card

Dates : XX/XX/2024 around XXXX in the morning. 
I recently purchased a bacon bbq mother cruncher sandwich at XXXX, and upon inspecting the food, I discovered mold on the burger bun. This is extremely disappointing and unacceptable, as it poses a significant health risk. I have attached photos of the moldy bun for your reference. I went to the store the next day, they refused to give me a refund. Also one of the employees said that sometimes there are molds on the buns, its normal. I tried to dispute with my chase bank credit card, but the dispute got refused. The credit card company wasnt helping me with this issue. So, once again, I kindly request a full refund for my purchase.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX was advised this was a issue of their dealer when I renewed my lease, XXXX dealer at XXXX XXXXXXXX XXXX made a billing mistake and they reported as late payment and never advised me of this issue. please help
Product: Credit reporting or other personal consumer reports

this account is not showing maximum possible accuracy according to FCRA delete account listed below for violation of the fair credit reporting act.15usc 1681e ( b ) a collection agency should not report as a " 120 days late '' account. They should only show the account as " collection. '' If Equifax didnt investigate thoroughly, follow up with them which I have and they have done nothing, and ensure you are keeping accurate records of all communications with the agencies involved. Collection agencies can not report as a creditor or mark an account as " 120 days late. '' Equifax must provide with the results of their investigation. If the dispute is not resolved, and you feel that their investigation was insufficient or incorrect, you can request a more thorough review which I have and now need the government to step in and see how these companies should not be doing business. 

They have sent generic statements saying they own the debt now but with two different dates XX/XX/year> and XX/XX/year>XXXX They are not good record keepers and need to be held accountable. 

Please remove from my credit report.
Product: Credit card or prepaid card

I have a wells fargo credit card. wells fargo my credit score is around XXXX.since years i have problems with my checking accounts despite high balances. I called as my billing was not correct and that i lost my card and need a replacement. I was told on a recorded line i receive a call back within 24-48 hours. no call. i called their executive office whose reps are as rude as can be.when asking for a supervisor you get a cathegorcal NO. the promised call backs never happened.t he card is still open i still can t figure out how the balance was calculated, i was defrauded of rewards points. on top of it i have to deal with rude, arrogant csrs. Last week i went to a branch ( XXXX ) and needed a notary. I was refused that service. had to drive to fedex and pay for it. called the regional managers office and was promised a call. never came.a couple weeks before the closed the branch during business hours. This Bank is liable for all damages that occur. despite we all know how many fines wells fargo had to pay for defrauding customers in the last years
Product: Credit reporting, credit repair services, or other personal consumer reports

The Money Source Inc. transferred our mortgage to another servicer. They then reported our account as delinquent for over 30 days even though we no longer have an account with them. 

They failed to correct the issue after claiming they would. 

Then they failed to address the issue when I called in again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove the accounts below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$850.00}
Product: Debt collection

XX/XX/2015, {$2000.00}. Put a notice on my door to pay false late fees in 4 days or My personal items would be put to the street and I would be evicted. I was discriminated against by new management and bullied to leave property with my child.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit card or prepaid card

SYNCHRONY XXXX MASTER CARD ACCOUNT. 

My wife and I have thousands of dollars of apple charges over several of my synchrony credit cards. 

We found these charges in XXXX and submitted a dispute. Only the charges were reversed. Synchrony keeps the other half of the fraudulent charges on my account. 

But in XXXX of XXXX, we found that XXXX and synchrony had continued to allow these fraudulent charges to continue. 

We contacted XXXX and were dismissed, telling us that I authorized the charges. Refuses to look into the charges. XXXX locks my account up and refuses to work with us. XXXX doesn't want to give back the profits they had made on these fraudulent charges. 

We contact Synchrony for help. And we were able to dispute over XXXX worth of fraudlent charges. And this amount is for the charges over XXXX, and we hadn't had the chance to fight the hundreds of the smaller amounts. 

At first, Synchrony 's premier mastercard was friendly and submitted all the disputes. They canceled the credit card and told us that we would receive letters in the mail from the fraud departments. These letters would give us contact information to send in any paperwork and phone numbers. 
The only letter we got was our new credit cards. 

It's been over thirty days, and we haven't heard or received any letters from Synchrony. No calls, no emails, just silence. 

We disputed on XX/XX/XXXX, and On XX/XX/XXXX, we started to see that they were adding the charges back on LIKE they were balance transfers. They added these charges as balance transfers without telling us why or what XXXX said. 

I have provided a snip of the charges being added back. What I see is that synchrony is adding them back as BALANCE TRANSFERS. I'M NOT PAYING THESE FRAUDULENT CHARGES, AND I'M NOT PAYING BALANCE TRANSFER FEES. 

This is crazy ; we didn't authorize these charges. And XXXX is refusing to do any investigation, and now Synchrony is refusing to help us. What do I need to do? I'm waiting to hear from Synchrony, but they refuse to respond to us. I want to work with Synchrony, but Synchrony is refusing to work with us.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Mercedes Benz Financial regarding their inaccurate and incomplete reporting of an account on my credit reports. I have previously disputed the way this account is reported, but my concerns remain unresolved. 

The discrepancies in the reporting of this account are evident across the three major credit bureaus : XXXX reports the payment status as " Too new to rate ; Approved but not used. '' XXXX states " Paid, was a repossession. '' XXXX indicates " Paid or paying as agreed. '' Furthermore, there are inconsistencies in the reporting of late payments : XXXX reports " Past Due - 90 Days '' six different times. 
XXXX and XXXX, however, state that this occurred only four times. 
Additionally, I have observed that there are months in the full payment history of this account where the payment information is incomplete, indicating that the account is not reporting complete data. 

I have previously disputed these discrepancies with Mercedes Benz Financial, but their response concluded that the account is reporting accurately, which I strongly disagree with. 

For your reference, I am providing a copy of how the item appears on my credit report to demonstrate that this account is not reporting accurately or providing complete data.
Product: Debt collection

My recent credit report contains multiple accounts I suspect were added without my approval. Please remove these fraudulent accounts without delay.
Product: Mortgage

Hello, FREEDOM MORTGAGE sent us a letter to reduce our percentage rate. so we agreed to do this in XXXX we signed paperwork and got the copy that in XXXX they tried to withdraw money from my account but payment was not due till XXXX. they owed us XXXX in overdraft. when i called to find out what was going on they said we owed over XXXX dollars for taxes and the old loan was not closed because they miscalculated the payment and was short. They are trying to have us pay they shortage and have not closed the old mortgage
Product: Payday loan, title loan, personal loan, or advance loan

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : USAA FEDERAL SAVINGS XXXX
Product: Mortgage

I recently filed for bankruptcy and asked to have my mortgage with XXXX America reaffirmed. Bank of America closed the account instead. 
When I called to ask why they said because they never received theirpaperwork back from the attorney. I contact the attorney, BofA neversent any paperwork. So I called back and requested they send thepaperwork. They assured me they would XXXX it. I waited a week, thepackage never came so I called again. This time they told me they showthe paperwork was requested, but they did n't show that it was sent. 2 weekshave passed and still nothing from BofA and now I am going to miss mydeadline to get this paperwork handled because BofA is doing NOTHING. 
Now I am going to have to request an extension from the court so thatmeans my bankruptcy is still in limbo and who knows if BofA is going todo what they are supposed to do. My attorney told me they are notoriousfor this behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this request myself to address the inaccuracies on my Credit Reports. 
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX and Equifax Credit Bureaus has not complied with the FCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am filing a complaint against XXXX for inaccurate credit reporting, potential violations of the Fair Credit Reporting Act ( FCRA ), and fraudulent practices that have caused me statutory damages. 
My credit report shows an account with XXXX as " charged off ''. However, I have not received a Form 1099-C from the creditor, which is required by the IRS when a debt is forgiven or canceled. This inconsistency raises serious concerns about the accuracy of the information being reported and the creditor 's practices.

Under the FCRA, specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to credit reporting agencies have a duty to provide accurate information4. The discrepancy between the " charged off '' status and the lack of a 1099-C form suggests a violation of this provision.

Furthermore, 15 U.S.C. 1681s-2 ( b ) requires furnishers to conduct a reasonable investigation of disputed information. I believe XXXX has failed to properly investigate and correct this inaccuracy, despite my attempts to resolve the issue directly with them. 
I am concerned that this situation constitutes fraud and extortion. By reporting the debt as " charged off '' without issuing a 1099-C, the creditor may be attempting to collect on a debt that has been forgiven for tax purposes, while simultaneously damaging my credit. This practice could be seen as an unfair or deceptive act under 15 U.S.C. 45 ( a ).

The inaccurate reporting has caused me significant harm, including statutory damages as defined under the FCRA. According to 15 U.S.C. 1681n, I may be entitled to actual damages, punitive damages, and reasonable attorney 's fees for willful noncompliance with the FCRA. 
I request that the CFPB investigate this matter and require XXXX to : Provide documentation supporting the " charged off '' status Issue a Form 1099-C if the debt has indeed been forgiven Correct any inaccurate information on my credit report Cease any attempts to collect on this debt if it has been forgiven Compensate me for the statutory damages incurred due to their inaccurate reporting The failure of XXXX to address these concerns has caused significant damage to my credit and financial well-being. Their actions appear to be part of a pattern of behavior that the CFPB should investigate, as credit reporting issues continue to be the most common complaint received by your agency. 
Thank you for your attention to this matter. I look forward to a resolution that ensures compliance with federal law, protects consumers from such practices, and provides appropriate compensation for the damages I have suffered.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2023 XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XX/XX/2023