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

I have always maintained an impeccable payment record with the XXXX XXXX, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

I demand the removal of the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not owe money to XXXX, XXXX or XXXX XXXX there is no contract between me and them and I have asked experian, XXXX and XXXX to produce proof of contract and they have not
Product: Checking or savings account

On XXXX 2024 at approximately XXXX pm, I made a cash deposit with XXXX of Citibank 's ATMs at their XXXX XXXX XXXX XXXX. Instead of depositing the correct amount of {$2400.00}, the machine took the whole sack of bills and only deposited {$1900.00}. The atm screen showed errors and I couldn't take the money back. I believe the XXXX dollars was jammed into their machine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/2021
Product: Checking or savings account

In XX/XX/2019 I requested Santander Bank to close my account. I was informed that my account will be closed shortly. Unfortunately, it recently became clear to me that Santander did not close the account until the account went negative by over {$1100.00}. And the entire negative balance is almost exclusively late fees and interest rate and overdraft fees that never would have incurred if Santander had closed the account as they promised to do. 

For years since this, I have been unable to get a checking account anywhere in the United States and it has affected by economic mobility.
Product: Debt or credit management

I was in a hole financially and seeking options for debt relief. I discovered Beyond Finance around XX/XX/XXXX and thought they had good intentions to help me out of my debt. I was mentally in a bad place as I had several failed pregnancies and they took advantage of my mental state. Unfortunately almost a year later, I have paid almost {$8000.00} to settle less than {$4000.00} of debt. The disclosures, marketing, and explanation of their staff was confusing and I didn't understand, but trusted them under false pretenses. They encouraged me to stop paying on my current credit cards and loans, sending my credit score and credit worthiness into the ground. I am now years behind in the credit world and dug into a deep hole at the advice of Beyond Finance and have only settled again, less than {$4000.00} of debt for {$8000.00} in total payments. I requested my arrangement be cancelled with XXXX on XX/XX/XXXX at approx. XXXX XXXX and a refund of all fees paid. I asked that no more money be collected from my accounts and to cease any business transactions with this crooked company.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and some credit bureaus are refusing to removed other address related to fraud of my credit report. I am requesting to Block fraudulant addresses.

All information have been provided here with statement and all attachments - appropriate proof of the identity of the consumer - a copy of an identity theft report/police report - a statement by the consumer the incorrect information as a result to identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX sold the servicing of my mortgage to XXXX Mortgage XXXX. The transfer was made on XX/XX/2022, as of XX/XX/2022 my credit score dropped XXXX points. The problem is that XXXX is showing the account as " closed '' not sold or transferred. I have tried speaking with them on the phone, and even filed a complaint with the XXXX. Their stance is basically that the account is no longer with them, so it is no longer their problem.
Product: Credit card or prepaid card

After being a loyal customer of XXXXXXXX XXXX and a XXXX XXXX American Express Credit Card holder, I had to close both relationships due to a terrible experience with XXXX 's property at XXXX XXXX XXXX. I received an email confirmation stating that both had been closed accordingly. Then standing transactions began to post to the account again. When I called back in I was informed that the " partner '' had reopened my account. The Amex agent couldn't tell me who or why so I have to assume that partner equates to XXXX XXXX. I requested that the account be closed again and demanded an explanation of how this could have happened as this doesn't seem legal. I was told by Amex that they would submit my case for investigation and I would hear back. They sent me a message to a secure location that is no longer active since my account is closed. I haven't received any calls or emails with an update on the situation. 

Neither of these companies seem to care about how they conduct business.
Product: Mortgage

I have a two-year loan and this company is Fay Serving , keep charging me extra money. over XXXX XXXXXXXX XXXX. I have another year. I'm trying to refinance, and I call customer service and I'm on hold for a whole hour and still no answer. meanwhile I could lose my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a payment of {$300.00} to Capital One. This payment was made before the payment due date, it was WELL over the minimum payment amount shown on my credit card statement, and it was enough to bring my account balance below the credit limit. 

3 days later, after Capital One took my money, I found out through Capital One that my account had been closed, with no reason provided. I received notification in writing to this effect, dated XX/XX/XXXX, but not received until around XX/XX/XXXX, with the reason cited of " due to activity on this or another account that is not consistent with our expectations for account usage, and violations of the Capital One Consumer Agreement. '' I contacted Capital One for an explanation, and got nowhere. I took my concerns all the way to the Executive Offices, who refused to help me. The main reason they cited was the fact that there were " multiple returned payments '' on the account. Every time there was a returned payment ( 3 times ), a replacement payment equal to or greater than the original payment was ALWAYS made immediately. Additionally, it was determined during a call with the executive team that the issue was on Capital One 's end, and their incorrect transcribing of the account number that the payment was supposed to be drawn from. 

Even so, Capital one refused to reverse their decision. I contacted the executive team multiple times in XXXX, and in XXXX. The most recent time was on XX/XX/XXXX, where I gave them 30 days to correct the issue. They still refused to take any action in my favor on this account. 

This is what I consider Capital One 's final chance to avoid litigation. I am reaching out to the CFPB to resolve this, and also hopefully bring to light their unscrupulous business practices, with the hopes that others will not have to go through what I've had to go through for the past 2 years.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX, I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, while my credit report shows an outdated address of [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ]. I request that my current address be updated accordingly. 

XXXX. Wrong Employers : My current legal employers is : XXXXXXXX XXXX XXXXXXXX XXXX XXXX. 

XXXX. Wrong Date of Birth : My Date of Birth is : XX/XX/year> Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXXXXXX XXXX XXXX .... Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with the credit bureaus in regards to incorrect items on my report. It has been well over 30 days and I have not received any feedback or investigation results.
Product: Credit card or prepaid card

A few months ago I made a purchase on XXXX for {$350.00}. The actual purchase date was on XX/XX/2019. I made the purchase using my Citbank Double Cash Credit Card. I later see that Citibank charged me a " cash advance fee '' which I immediately disputed because there was no such cash advance. At the time Citi had told me it had something to do with how the XXXX merchant processed the payment. I had stated that I made purchases regularly through XXXX using the same card and never had such an issue. I also stated that I had authorized a payment for the purchase but never authorized any cash advances. To be 100 % clear used a Credit Card to make the purchase and not XXXX. I reached out to both XXXX and XXXX and they directed me back to Citibank because Citi is the company that actually charged the fee. The XXXX seller apparently withdrew his money through his XXXX account which I do not find unusual. If the seller happens to withdraw cash through XXXX I am not even sure how that would be tied to my credit card? The cash advance fee sat pending until XX/XX/2019 at which point I was charged the {$17.00} cash advance fee and also an additional interest fee. I have called Citibank and they claim there is nothing they can do. They can clearly reverse a fee that THEY have charged.
Product: Mortgage

On XX/XX/XXXX I had emailed to MLD Mortgage Inc. that I had prepaid XX/XX/XXXX 1st & 2nd quarter real estate tax totaling {$12000.00} and I also attached proof of payment in the email. I requested MLD Mortgage Inc. to refund the real estate tax I had paid myself because MLD Mortgage Inc didn't have to pay it from my escrow account. I had also repeatedly made phone calls to request the refund, but nothing was being done.On XX/XX/XXXX I was told that the tax refund would be sent out in a week. As of XX/XX/XXXX I checked my escrow balance, MLD Mortgage Inc. has not refunded any extra escrow money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

I have a collection on my credit report for a {$400.00} opened XX/XX/2018. The original creditor is XXXX XXXX XXXX. The collection agency is Waypoint Resource group. I came to a settlement agreement with Waypoint to pay {$260.00} of the {$400.00} collection to close and remove the account which i paid. The collection is still being reported. I'm currently in the process of buying my first home and this collection still being reported has my lender at a stand still. I can not proceed any further buying a home because of this reported collection. I've paid the debt as agreed and am still being hindered as if i didn't pay the debt. I disputed this with the credit bureaus and asked them to investigate and requested all documentation verifying where they came up with the {$400.00} balance. XXXX  responded in about 10 days and I never received any documentation which means they didn't investigate anything. I then contacted Waypoint Resource group asking for good faith to remove the paid collection and inquiring about why they have not removed the settled account from my report. I was told " that the contract they have with their client XXXX XXXX XXXX. doesn't want anything removed from the report no matter what the status of the collection is ''. I then contacted XXXX XXXX Rapid Review Department and explained my situation to them and asked why their contract with Waypoint doesn't allow for paid collections to be removed. The Rapid Review Department informed me that there is no contract. During my phone call with Rapid Review I found out that that Waypoint did not complete everything needed once i paid the settlement. they were supposed to contact XXXX XXXX to inform them we came to a settlement agreement that i paid and the remaining balance of {$140.00} of the original debt was to be credited to me as a balance of {$0.00} which never happened. XXXX XXXX showed that I still had an outstanding balance of {$140.00}. If the the credit bureaus had properly investigated and gathered the documentation I requested this should have been brought to light. I was told to contact and file a complaint with the Consumers Financial Protection Bureau, State Attorney Generals Office and a consumer law, law firm. Thank you for your time.
Product: Debt collection

I noticed a change on my credit report. My score with Equifax dropped by 48 points in one day. I checked the report to find that there was a collection from Harvard Collections. There is no account information or any information other than the name of the collection agency and an amount owed ( {$200.00} ). The collection agency appears to be in XXXX, XXXX. I have never received notice any any collections due ( via email, phone call or any other form ). I've lived in Texas since XXXX. If there was any debt due, why haven't I been contacted? Why wouldn't I haven't contacted since being here more than 30 years. I don't know that this is my debt as I have no information about the debt. The date was placed on my report on XX/XX/XXXX. 

A collection agency or creditor should not be allowed to report a negative anything on your credit without notify you and giving you the chance to pay. This is a very unfair practice. Now my good credit that I've worked so hard to build was damaged with this one spot and I still don't know the reason for this item on my report.
Product: Mortgage

I have contacted Rocket Mortgage five times in the past three weeks trying to apply for the CARES Act forbearance and each time they tell me to call back. They sent me a two page form that states I can fill it out with them over the phone but today when I called, XXXX said she can't fill it out. She said " everyone has been affected by COVID, so, how has it affected you? Loss of a job or something? '' I said I was applying for the CARES Act forbearance and I don't think they can ask about death in the family, etc and she wanted to process it as a foreclosure mitigation. Is that legal? Can she insist on asking about how COVID specifically impacted me? I'm only asking for the CARES Act forbearance, I shouldn't have to send in medical information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCT # XXXX Date Opened : XX/XX/2020 In accordance with the Fair Credit Reporting Act XXXX  Account # 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

Hi, my name is XXXX XXXX and I have been dealing with a significant issue with Wells Fargo regarding late payments on a secured credit card which is supposed to be helping to boost/establishing my credit and in quite it is doing the opposite. Please see the attached documentation.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year> dispute of i correct information on report with all XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX  and XXXX  are purposefully, willingly and knowingly lowering peoples scores and reporting inaccurate information on reports. I get my score of XXXX and then go to the bank the next day and it is 200 points lower for no reason other than they are purposefully lowering peoples scores. I will never finance anything ever again.
Product: Debt collection

I am writing to file a formal complaint and dispute regarding the handling of my credit report by [ XXXX XXXX XXXX I have contacted each of the XXXX credit bureaus, as well as the companies associated with the accounts listed below, and have not received any response or resolution. This lack of response and follow-up violates my rights as a consumer under federal law. The contact dates were XXXX XXXX and XXXX XXXX

Attached to this letter, you will find a complete description of what has occurred with each account, including supporting documentation and dispute letters I have sent. My complaint involves several types of accounts, including medical debt, student loans, rental obligations, phone bills, and XXXX XXXX. 

The specific accounts in question are listed below : XXXX. {$680.00} XXXX XXXX XXXX XXXX Incorrect billing, account transferred to a third party without my consent. 
Violation : Failure to provide debt validation. 
XXXX. {$760.00} XXXX XXXX XXXX : Incorrect billing discrepancy. 
XXXX. {$1000.00} XXXX XXXX : Paid and closed, never late, yet inaccurately reported as derogatory. 
XXXX. {$1000.00} XXXX XXXX XXXX XXXX : Incorrect billing, failure to provide debt validation and assignment letter. 
XXXX. {$440.00} XXXX XXXXXXXX XXXX. 
Issue : Incorrect billing, failure to provide debt validation and assignment letter. 
XXXX. {$1000.00} XXXX XXXX XXXXXXXX XXXX 
Issue : Failure to validate the debt and provide an assignment letter. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} {$2000.00} {$2300.00} {$1000.00} {$1900.00} Issue : Inaccurate reporting ; no response to my debt validation request. 
XXXX. {$980.00} XXXX XXXXXXXX XXXX XXXXXXXX : Paid and closed, never late, but inaccurately reported. 
Violation : Failure to provide an assignment letter. 
XXXX. {$780.00} XXXX XXXX XXXX XXXX XXXX : Failure to provide an assignment letter and validate the debt. 
XXXX. {$6400.00} XXXX XXXX XXXX XXXX : Paid and closed, but inaccurately reported. 
Summary and Complaint These accounts remain on my credit report despite my repeated attempts to dispute and resolve the issues with the credit bureaus and the original creditors. I have provided each company with debt validation letters requesting proof of debt ownership, billing accuracy, and assignment agreements. To date, none of these companies have responded appropriately or provided the requested information. 

I am requesting a formal investigation into these matters and demand that the inaccurate information be removed or corrected on my credit report immediately. The lack of response from both the creditors and the credit bureaus is a violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).

Requested Action Remove or correct all inaccurate and unverifiable information associated with the listed accounts. Delete negative accounts from credit report.

Provide a written response detailing the outcome of your investigation. 
Ensure compliance with federal regulations regarding credit reporting and dispute resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I upgraded my XXXX XXXX retail store card ending in XXXX to their Mastercard ending in XXXX. When the upgrade occurred the balance on the old card of {$760.00} was transferred to the Mastercard. 

Unfortunately, when the old account ending in XXXX was closed an update was not sent to the three major credit bureaus in XXXX showing the account closed with a XXXX balance. 

The last reported date for the old account is XX/XX/2018 with the following history : Balance : {$760.00} Date of Last Payment : XX/XX/18 Amount Past Due : {$0.00} Min Monthly Payment : {$27.00} At this point in time, the current information documented at the Credit Reporting Agencies is incorrect and should be updated.