23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

So I didnt know that there was even a debt because the way that they set up the loan they make you pay everything ahead so they wrote off XXXX and some dollars worth of a debt and they left left {$50.00} on the deck, but there was only two payments left and they were like XXXX bucks or something so realistically they didnt lose any money and I saw that it was reporting to my credit for {$51.00} so I sent them a check for XXXX I notify them that they got the check. I got proof that they cashed the check but they have not reflected on my account that it was paid nor have they remove the account off of my collections and credit bureaus because they agreed that if I paid the {$51.00} that they remove the collection of my account. They never have done this and its been over 30 days.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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

Wrong person this bankruptcy doesnt belong to me and I would like it removed
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with capital one 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 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.

Equifax 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 card or prepaid card

Wells Fargo credit card bill due date is XX/XX/2020 XXXX ( bank providing our checking/saving accounts ) remitted payment on XX/XX/2020 to arrive by XX/XX/2020. 
Wells Fargo claims payment not received until XX/XX/2020 and charged late payment fee of {$38.00}. 
Call placed with Wells Fargo on XX/XX/2020 to dispute late payment fee, as payment should have been received on time. Wells Fargo refused to refund fee, and was escalated to manager who also refused to take this action.

We question when this payment was actually received, and whether delay in processing on behalf of Wells Fargo contributed to late payment. Furthermore, we find it hard to believe that it would take longer than 6 business days for delivery of payment between XXXX and Wells Fargo. We believe this is a tactic on behalf of Wells Fargo to encourage consumers to leverage their own bill pay services instead. This was evidenced by the fact that Wells Fargo manager encouraged use of their own services, and advised that bill should be paid in advance of due date instead. 
To date, we have leveraged bill pay services with XXXX for over 15 years and this is the first instance of a payment not arriving on time. We find this hard to believe, and suspect that the issue is with Wells Fargo and their poor business practices.
Product: Debt collection

Aldous is collection company for XXXX fittness center, i have never been a member no i have ever been to thier gym, apparently it was open XX/XX/2017. this has been impacting my credit, i beleive i am victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began to write disputes to each credit bureau ( Transunion, XXXX XXXX XXXX ) In XX/XX/2022 about Inaccurate information being reported on my credit Report. I Read the FCRA guidelines which specifically state that if An account is Inaccurate then it must be Fixed within 30 days or deleted. These credit bureaus have answered with nothing more than A letter saying its been verified but when i asked for the specifics of How these inaccurate accounts were Verified ; I got No answer. 
They send me letter stating that they have received my dispute but then they did nothing to Remedy the inaccuracies. 
I Stated to them that I read How after not updating the correct info, Not Verifying after being asked to verify and Not deleting these accounts that they were in Violation of 15 USC 1681, reporting old debts as new or re-aged and Also Reporting payment activity in the payment history section after the accounts Were charged off and closed.

Im getting tired of sending letters to all 3 of these bureaus to no avail. Im no lawyer but i can read. From what ive learned the damages being caused by these bureaus is Worth me consulting with an attorney. Please help me because I was told that the CFPB is for Consumer rights that are being violated.

I will attach all proof and letters to this complaint as well. All my mail was sent out certified so they can't say they didnt get my disputes. They just keep choosing to break the law and It needs to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud, this account has hindered my ability to buy a home for my family. I have made a police report and I need help!
Product: Money transfer, virtual currency, or money service

on XX/XX/year>, I wired XXXX $ from my XXXX XXXX XXXX account into my ally money market savings account. XXXX said that they have released the funds and gave me a reference number but when i go to give it to ally they say they cant track it.
Product: Student loan

As part of a divorce decree, borrower required co-signer assume 100 % of remaining student loan debt. Borrower has never made a payment on loan, payments have all been made by co-signer per the judicial order. Borrow submits the tax credit information on tax returns for self because cosigner has been denied document. Now, 8 years later, borrower has unilaterally increased the monthly repayment amount for no reason other than to maliciously affect co-signer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I detected these hard inquiries on my credit report which are unauthorized and I do not have knowledge about. I reached out to all 3 credit bureaus to have them delete. Only XXXX did but XXXX and Equifax are still reporting inaccurate informations on my credit repor. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I believe I have been a victim of identity theft and I attempted to dispute this information with the  XXXX  credit bureau. The items I have disputed do not relate to any transactions that I made or authorized. Pursuant of the FCRA and the FDCPA, I now exercise my lawful right to question the validity of these debts your agency claims I owe. I understand the collection agency is suppose to suspend all collection activity until they provide me with some info abut this debt. Through my dispute with   XXXX   they claimed this account was proven as valid and remain on my credit report without providing me with any information about the debt such as an original bill or something with my unique signature on it. I dont believe   XXXX   is truly investigating these disputes and are playing with consumers ability to obtain credit. I am just now realizing the importance of credit which is why I am just now going over my credit report and for these companies to play with consumers livelihood like they are doing is just not right. The information that I am concerned about is as follows ; Collection agency : Certified Bureau of So Col Original Creditor :  XXXX   XXXX    XXXX   XXXX   Opened :  XXXX   XXXX ,   XXXX   Balance : {$230.00} Collection Agency : Certified Bureau of So Col Original Creditor :  XXXX   XXXX   XXXX   XXXX   XXXX  e Opened :  XXXX   XXXX ,   XXXX   Balance : {$83.00}
Product: Mortgage

USAA FEDERAL SAVINGS BANK 's failure to report in a timely manner my mortgage and mortgage payments to the Credit Reporting Agencies is hurting my credit. USAA was contacted by me and requested first in XXXX 2016 by me too report my VA Mortgage Loan and payment information. Still it has not been done, as of this date. 
I now have XXXX reporting : " What 's hurting your score. There is insufficient information about mortgage accounts. You either have no mortgage accounts, or there is insufficient information about mortgage accounts, in your credit file. People without mortgage accounts or those who do not have sufficient information about mortgage accounts are considered riskier by lenders. It is important to have various types of credit that are held in good standing in your credit file, including mortgage accounts. '' Plus, XXXX which is used by USAA reports : " Factors influencing your score downwards. Lack of sufficient relevant real estate account information. A real estate loan can be a first mortgage, a home equity loan, or home equity line of credit. The XXXX credit score model relies on information in your credit files at the XXXX national credit reporting companies ( XXXX and XXXX ) to generate your score. Your credit file does not contain enough credit behavior information about your real estate accounts. A mix of different types of open and active credit accounts, including real estate loans, can have a positive impact on your credit score. '' USAA 's internal problem was also reported to the XXXX to no avail since my current mortgage information has NOT been reported to XXXX and XXXX as of this date ( see attached ).
Product: Mortgage

The recording of fraudulent document. Lost note. I do believe they Securitization it
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending letters to the credit bureaus and they have not responded, I have incorrect information on my credit report that hurts me
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not solicit this company for their business XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2017 2017
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed a complaint against Midland Funding. I was told in my first complaint to contact XXXX XXXX at ( XXXX ) XXXX ext XXXX. Well I have try several times to call her and get things settle. They do not answer the phone or even call me back. Why am I told to call someone to help me with this matter to only get ignored. I dont understand when someone is trying to settles their debt and cant get any help.
Product: Credit reporting or other personal consumer reports

The information is inaccurate and I have received no notification authorizing the transfer of any account. According to 15 U.S.C 1681 any and all information on my credit report must be accurate and this is not. Please provide a full and legible wet signature not an e-signature and original contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter dated XX/XX/18 to Barclaycard disputing late payments and the accuracy of those late payments. I was very detailed in my letter which stated the following " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing the account is being reported ''. I received a letter from Barclaycard that was not dated and stated that the requested statement reprints were enclosed. In my letter I never requested statement reprints. After I received the letter from Barclaycard, I pulled my credit report from XXXX  dated XX/XX/18. According to the FRCA section 623 ( a ) ( 3 ), a data furnisher is supposed to contact the credit bureaus on behalf of the customer any time a customer questions a line item that is reported on a credit report, and mark the item as being disputed within 30 days. This account was not marked in dispute. I sent another letter dated XX/XX/18 to Barclaycard detailing that they had not provided proper validation of reporting late payments and requested the late payments be removed. I received a letter from Barclaycard dated XX/XX/18 stating they had completed their investigation and had sent validation on XX/XX/18. I have no letter in my possession from Barclaycard dated XX/XX/18. I pulled my XXXX report again on XX/XX/18 and my account was not marked in dispute. I also sent letters to XXXX, XXXX, and XXXX disputing the late payments of this account and all three credit bureaus reported the late payments were valid, yet my account was not marked in dispute. Please see attachments for all correspondence.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account my written instructions under 15 USCS 1666b a Predator may not treat a payment on a credit card account under an open and Consumer Credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

The repeated inaccuracies on my report are incredibly disheartening. Theyve caused my score to drop and limited the options I have moving forward. Ive worked hard to maintain a good standing, and its disappointing to see errorsbeyond my controlnegatively affect me.
Product: Debt collection

My name is XXXX XXXX, and I am submitting this complaint on my own behalf- there is no third party involved. Citibank was claiming that I owed an alleged debt that I did not owe, so I went ahead and provided them with all the necessary exhibits proving that this account was not mine- and they went ahead and closed the account ( see attached exhibits ). On XX/XX/2021 I sent Citibank a Cease and Desist Order and Affidavit of Truth with my relevant FTC Identity Theft Report and all of my supporting exhibits- giving them everything they needed to stop trying to collect on this fraudulent debt that was not owed. I have attached the return receipt signed by them that confirms they received my letters on XX/XX/2021. Since that time, I have received hundreds of spam calls and voicemails from Citibank that just do not stop. They have filled my entire voicemail inbox completely full 3 times now, leaving an average of 6 voicemails a day. They are clearly violating my cease and desist order, and violating me in a number of ways under 15 U.S. Code 1692c. Despite the fact that I have written proof that they admitted they closed the account and were no longer collecting on it- they continue to harass me XXXX XXXX XXXX XXXX XXXX. I am demanding that Citibank cease all communication with me, stop calling me, stop leaving me voicemails, and never contact me again without my written permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If they do not comply with this final warning, I will be filing suit in Federal District court.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX does NOT report anything positive on the credit report since it is considered a business card but the ssn was used in order to obtain a credit card. When called, both times, the representative stated that the accounts are reported to XXXX & XXXX. However, XXXX XXXX reported an inquiry on the personal report without consent. 

A letter was sent to the XXXX, XXXX XXXX, demanding the removal of such inquiry and they denied it, stating it was done according to the contract. 

This is untrue because according to the Credit Reporting Act 15 U.S. Code 1681b, it unlawful to obtain a credit report/inquiry from XXXX, XXXX, Equifax, XXXX without authorized and permissible purpose under the FCRA. 

A letter was sent demanding they remove the inquiry and pay {$1000.00} fine.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I received a letter of my credit report with the intention are trying to improve my credit and take care of my responsibilities. Noticed a few accounts that I wanted a little more explanation on. The information needs to be 100 % accurate. I also read the Fair Credit Reporting Act where the law states that I have a right as a credit consumer to challenge anything inaccurate. The information needs to be 100 % accurate. The Fair Credit Reporting Act law states that I have a right as a credit consumer to challenge anything inaccurate. 15 U.S.C Sec 1681i ( n ) states that the correct information provided to these accounts must be accurate. if these accounts are, inaccurate or improperly reported, they must be deleted. The credit consumer saw your lawyer and stated that there is a 30-day window to complete this investigation. Please investigate the information on the accounts and remove them if anything is inaccurate or incomplete. 

Account Name & Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Synchrony XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear sir, I have checked the review of your company branch addressed either XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not remember whether I expressed the concern on the privacy of account number in the previous letter. Since I disclose several federal organizations, and I believe the claims should be checked by the company employee in concern, I did not pay attention on that part, honestly. On the complaints submitted on XX/XX/24 and XX/XX/24, I asked the further explanation why there were discrepancies in my website account record and reward certificates. I received a reward certificate ending number XXXX, which was used with my bill, which I paid off completely today. I will check whether I can use this reward certificate ending XXXX. If your employee states, Please note that physical possession of a rewards certificate does not indicate it remains unredeemed, as redemption of the certificate does not require the physical certificate to be disposed. Therefore, we must respectfully refute your claim that these certificates were not redeemed. As I have 5 unredeemed reward certificates, which were considered as used, I just do not know what kind of company your company is. I believe most of the cases whenever I can use the certificates, your cashers take them. Only when these certificates can not use them, they give me back. As I received 4 reward certificates at this moment recently, I am looking forward whether they are usable or not. Since this matter, which I mean the reward certificates that I should be used can not be used, then, somebody must have used illegally or system itself is broken. In this case, your company might reissue another credit card for me, which is much safer ; however, if the system is broken and the hacker might be able to remove my certificates from my website account, it might be useless. It might be better to apply another credit company which might relates with my HomeGoods, if this shop has, then, I want to ask whether I can apply at this moment, when the issue of identity theft has not finished. There are issues with credit report companies ; therefore, I do not want to create another credit card at this moment. Therefore, your company should provide safer credit card for the customer, which the hacker can not hack website account. If you do not understand what I say, please check the complaints submitted either on XXXX XXXX XXXX 
Sincerely,
Product: Mortgage

Ive attempted to contact Loan Officer, XXXX XXXX XXXX, regarding a loan application that I submitted on the XXXX of XXXX. However, my attempts have been largely ignored considering that the loan officer refuses to report the status of my application. I applied to refinance the loan on a property that I own in XXXX, Maryland. I submitted all the required documents the same day that the documents were requested, yet I havent received any indication that my application had been processed. According to Sandy Spring Banks Website Portal, my application has not been processed even though Sandy Spring Bank pulled my credit report on the XXXX of XXXX. Why was my credit report pulled when there was no intention of processing the loan? 

The loan officer intentionally refused to respond to my email inquiries until I began including XXXX XXXX in the emails. The statuses that he reported seemed fabricated considering that they did not reflect the loan status shown on Sandy Spring Banks website portal. I fear that Im being discriminated against given that there has been no communication regarding the status of my application since I last contacted XXXX XXXX XXXX and XXXX XXXX Tuesday, XX/XX/XXXX of 2024 via email. Why was my credit report pulled when there was clearly no intention of processing the loan? What specifically prevents my loan application from being processed? My application was submitted 60 days ago. Despite many attempts, there has been XXXX communication regarding the status of my application with no explanation nor justification as to why.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, I Reported : XXXX. XXXX, 2018 {$11000.00} This item has been removed by XXXX ; it has been removed by Equifax two or three times only to be reinserted ; which is against F.C.R.A. law because I was not notified of the reinsertion within 5 days in writing ... I have proof that it was deleted and reinserted also, and plan to pursue litigation if it isn't permanently removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing several accounts on my Experian credit report, they continue to remain when in fact there fraudulent accounts. I have submitted proof showing that its fraud, submitted ID Theft report, my license, a utility bill showing their information is in correct. The creditor XXXX XXXX has closed theses accounts, they have no information that pertains to me on file. I would like for these accounts to be removed from my Experian credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer by law and this is not sent in error. My private information that is protected by law is being used without my written consent. I am demanding compensatory damages for this violation.