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

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in 60 days 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.

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 XXXX
Product: Debt collection

The debt in question being sought after by XXXX was illegally obtained without my written consent. This company got a hold of my protected health information which is a violation of HIPAA. They have my lab work that I had done, they also have the symptoms I was experiencing at time of treatment and the treatment I had done. I never gave the hospital permission to share this information with anyone. The company that is attempting to collect on this debt has also released my private health information to the credit bureaus which I also did not give permission for. I want this debt removed from my credit file and I want my health information to stop being passed around.
Product: Mortgage

On XX/XX/year> we received a check for the amount of {$1000.00}. The reason given for the check was that our XXXX  account was higher than it needed to be. I called and had Rocket Mortgage re apply the check to our XXXX  account. I received a notice that our monthly payment would be increased from {$4200.00} to {$4200.00}. The reason given for the increase was an annual XXXX  analysis. I called to explain that the check that was sent to us for {$1000.00} was already re applied to XXXX. Rocket Mortgage was unable to come up with an explanation for the monthly increase in payment. I also noticed that the statement provided with the check they sent on XX/XX/year> indicated that the minimum XXXX  balance was {$0.00} which I believe is not legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 in attempting to purchase credit monitoring services from Experian.com and XXXX I was given an error message which stated that '' Experian does not have any record of my credit history. '' I called and spoke to a representative that escalated the issue as she was not seeing the reason for this. She stated it would take 24-48 hours for me to get a response on the issue. When I was not given any notification in my Experian app about this I called back and was told by a rep ( outsourced outside of the US ) I asked for a US Rep but was not given one. The rep gave me instructions on troubleshooting the issue. when that did not work he asked me to send an email to XXXX. I asked him to confirm he received the email and he said he did and I will be given a response that they are working on this issue. This email contained my person information. Today I called Experian and spoke to a representative name XXXX ( a US representative ) who basically berated me and told me I spelled the email wrong because they never received the email. He was rude, unprofessional and condescending. I spent about 20 minutes begging to speak to a supervisor and he would not transfer until he spoke his piece. He told me that it would take anywhere from 24 hours to a month for them to respond and I needed to get the right email from him ( which I declined since he tried to imply I can't spell ), I wanted to his supervisor to get the correct information. After about 30 of insults from XXXX I was transferred to his supervisor XXXX which I confirmed by asking is she was indeed a supervisor. She informed me of the issue and transferred me to the dispute department to rectify. before we disconnected she informed me that she was putting in notations and to mention to the dispute rep to look for XXXX XXXX notes to fix the issue I spoke to the dispute rep and there are no notes in the account from XXXX. The issue was not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXXXXXX 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

There are inaccurate reporting on my report. 

XXXXXXXX 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 this FTC Identity Theft Affidavit to report XXXX fraudulent inquiries appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent inquiries have affected my life have resulted in several fraudulent hard inquiries and appearing on my consumer XXXX credit report. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bank XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies Equifax What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX SSN ), Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent inquiries have resulted in several fraudulent inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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 of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Equifax credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, I recently reviewed my credit report and discovered the following addresses listed. These addresses are inaccurate. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Mortgage

Freedom Mortgage is our current mortgage holder. We recently were interested in purchasing a new home and when we contacted Freedom about preapproval for a new loan we were denied on the basis that we had multiple late payments. Certain this was simply false, we have gone back into our online bank account and provided them proof that these said and recorded late payments were indeed not paid late or delinquent. And, in months where we have made 2 mortgage payments only one has been recorded on our payment history per Freedom Mortgage. The other payment is nonexistent in their account of our payment history. They refuse to accept our bank account documents, which they requested for proof, showing that this money has indeed been removed from our account as proof and continue to refer to their records stating we are indeed delinquent. This has not only tainted our credit scores but it has cost us thousands of dollars. Our home owners and auto insurance have doubled in the 2.5 years that they have started inaccurately recording us as delinquent to credit reporting agencies. We are looking for help to get our credit history correctly reported and recoup the thousands of dollars it has cost us. <P/>We are happy to provide you with our private bank statements if necessary to help you to appreciate our prompt and appropriate payment history. Freedom Mortgage has been provided these said documents at their request prior to our contacting you.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in response to the incorrect reporting of a fraudulent settlement by Citibank, specifically regarding the unauthorized settlement of my account with XXXX XXXX XXXX XXXX XXXX I have been requesting from Citibank to correct this fraud for 2 years not and they keep responding with the same redundant responses without taking action with the agencies to correct the reporting. 
I would like to re-emphasize that I never authorized or accepted any settlement agreement for the account balance of {$1600.00}. I have been requesting from Citibank to correct this fraud for 2 years not and they keep responding with the same redundant responses on the incorrect settlement terms. 

As previously communicated, I did not engage in any phone conversation on XX/XX/2020, with XXXX XXXX XXXX XXXX, nor did I accept a settlement or schedule a payment of {$1000.00} to be processed on XX/XX/2020. The settlement credit of {$670.00} that was applied to cover the remaining balance on XX/XX/2020, was also executed without my knowledge or personal consent. 

I demand a correction of the inaccurate information reported to the consumer reporting agencies. As a result of this unauthorized settlement and incorrect reporting, my credit profile has been negatively affected, and I have suffered financial harm. This has been going on for 2 years now with Citibank. As previously requested, the least Citibank can do is report this account as closed, not as partially paid. Please correct the reporting of this to the agencies urgently. 

Thank you for your attention to this matter. I look forward to receiving your prompt response. 

Sincerely, XXXX XXXX
Product: Debt collection

I have request validation of this alleged debt, account number XXXX, from Receivables Performance Management numerous of times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX I sent a demanding letter certified mail requesting once again, validation and proof of claim. Each time I have disputed this alleged debt Receivables Performance Management updated and verify the account with all three credit bureau, but as YET to send me anything validating this collection account that they are reporting I paid! I uploaded one of the letters that I sent certified, requesting Full validation.
Product: Credit reporting or other personal consumer reports

I have contacted Experian regarding the removal of an incorrect address on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2023 I received a email response from Zions Debt Holdings LLC, that claimed that I have a collection of {$1100.00} for a alarm system that was setup by a XXXXXXXX XXXX XXXX XXXX sub dealer XXXX  XXXX. This email also included a settlement offer of {$800.00} lump sump payment that If paid by XX/XX/2023, should result in the removal of the derogatory mark from all credit bureaus. In addition, the email also contained an Alarm System Monitoring and Service Agreement, in this agreement the contact information for the person who agreed to the service is present. After reviewing, the documents I concluded that the person on the Service Agreement is not me. I have disputed this collection XXXX times through XXXX XXXX and they have reached a conclusion which I do not agree with. On XX/XX/2023 I made a phone call to Zions Debt Holdings LLC to see how we could solve this issue. I was instructed that in order for the company to remove the report they need to have fraud charges to remove the collection. In conclusion, I have a collection account reported to my credit report that does not belong to me and never has, this is the main reason for my complaint.
Product: Credit card

My card was declined for a transaction and then the charge showed up on my account. Citi refused to to the dispute.
Product: Mortgage

Annually, New American Funding evaluates your escrow account and makes adjustments to your payment to account for any estimated increases due to property taxes going up, or home insurance premiums increasing. Similarly, I imagine that they would do the same to decrease your payment if it was estimated that your property taxes would be lower, etc. 

Unfortunately, New American Funding uses a process and calculation to estimate your escrow balance which assumes that you will have skipped a monthly payment for the upcoming year, and doesn't factor in that amount towards your escrow balance. This then leads to your escrow balance appearing to have a greater shortfall than would actually be the case. 

For example, let 's say your escrow balance for the previous year was {$1200.00} ( for estimated property taxes ), so your monthly mortgage payment included {$100.00} in addition to whatever your normal principal and interest was to go towards that escrow account. 

Now, let 's say that your estimated taxes increased by double, for some reason, and your estimated escrow balance to pay your taxes the following year now would need to be {$2400.00} at the time of payment, you would assume that your monthly mortgage payment would go up an additional {$100.00} to {$200.00} total. 

This isn't how NAF calculates that though, instead, they choose to just calculate it based on the month with your greatest amount of " shortfall '', and choose to take a month of the 12 that they calculate everything for, and not factor in any payment from you for that month. 

This then leads to your estimated shortfall being an extra whole month 's payment towards escrow ( now {$200.00} in this example ) greater than what it actually would be. 

So, because of this, they end up asking to spread out that additional monthly escrow payment over the course of 12 months ( so {$12.00} in this example ) in addition to what it would normally be ( just an extra {$100.00} a month ). 

For this example, it may not seem like much, but if your property taxes are in the thousands and your escrow payment is greater, this can then lead to an unexpected payment being required at the start if you wanted to just pay the difference at the front of the year. 

I've tried several times to explain this to their customer support team and escrow calculation teams, however, the customer support team has been totally useless in helping thus far. One of their escrow agents finally understood what I was saying, but indicated that as this was done by a computer to calculate everything, there was nothing that they could do to resolve the situation. 

I've uploaded documents to show where this occurs, as their Account Projections Total Balance/Beginning Balance is based off an incorrect amount ( calculated from Table 2 / Escrow Activity History ) where an estimated payment is not made in the " previous '' year. Interestingly, they do estimate that one of the months payment will actually occur, with an E next to the payments actual, but for some reason do not do it for ALL of the current/future months that occur within the escrow activity history table.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Company has violated my rights to privacy as stated in 15 U.S.C 1681 section 602 A. States I have the right to privacy. Please provide the letter that I wrote giving you permission to furnish my account information as stated in 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.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information I am now opting out of any and all authorization I the consumer may have given you written unwritten, verbal and nonverbal per 15 usc 6802.

I Opt out with 15 usc 6802, 15 usc 6805 and the privacy act of 1974 and 16 cfr 313.7 I SENT THE COMPANY A CEASE AND DESIST
Product: Money transfer, virtual currency, or money service

A significant wire transfer destined for my Wells Fargo account was dispatched by a buyer as part of a real estate transaction. The transfer was frozen by Wells Fargo for no reason and is still frozen even after fighting with them for three weeks. They claim it's part of OFAC but this was a domestic transfer from a simple real estate transaction between two parties with long-standing banking relationships. Here are the details : The wire was sent following a real estate closing on XX/XX/XXXX. After no notification of the wire 's arrival, I was initially reassured by my local branch that processing could take a day or two. Simple enough, right? Wrong. As days ticked by with no funds and no explanations, the closure of my real estate deal hung in the balance. 

Seeking answers, I returned to my branch only to encounter a lack of urgency and information. The staff speculated that a minor typo in my name might be the culprit. Even after the sender corrected this and resubmitted the wire, resolution remained elusive. Frustrated, I escalated my concerns through an online complaint and multiple calls to customer service, who shockingly had no record of the pending transaction. Their advice? It was probably an " branch-to-branch '' transfer, and I should sort it out locally. 

So I went back to my local Wells Fargo branch located in XXXX, GA. There I overhear a tense conversation between my banker rep and the corporate wire department about my transfer being held by their compliance office dealing with foreign assets. Why a domestic wire transfer was entangled in regulations designed for international disputes was beyond me. Maybe a case of mistaken identity or a software glitch? The local banker had no answers. Desperate for closure, I suggested they simply return the funds to the sender but they insisted they could not do that and had to complete their " investigation ''. 

After another week, and multiple unreturned voice mails and emails, I turned to social media for help. This move prompted a formal acknowledgment from Wells Fargo 's escalation team, who cited the ongoing investigation. However, the escalation team deemed the case closed once they explained the process, and failed to make any mention of the wires actual status. They offered no explanation of next steps, leaving me in a state of limbo and a real estate transaction that is in danger of falling through thanks to my bank 's total disregard for the law and basic customer service. 

Today, as I still wait for resolution three weeks from the date of my closing, Im left pondering the ethics and legality of Wells Fargo 's actions, still fighting for whats rightfully mine. Please HELP!
Product: Credit reporting or other personal consumer reports

I want to express my utmost discontentment with the continued existence of a fraudulent account on my credit report. Following the reporting of this identity theft, I contacted the bank related with the fraudulent account. While they confirmed the validity of the report, they stated their inability to provide records. However, they assured me that the fraudulent account would be instantly abstracted. Both XXXX and XXXX have already removed this account from their records after distinguishing and rectifying an error. I am at a loss by your confirmation of this account when the other bureaus have already removed it. Please delete this account from my file, as it is inaccurate, erroneous, incomplete, or unverifiable. 



XXXX XXXX  XXXX