23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

US Bank is engaging is unfair and deceptive practices by purposely charging customers a late fee on their credit card when the online payment did not work as scheduled. I logged into my US Bank Account several weeks before the {$29.00} payment was due on XX/XX/2018. I thought I had scheduled the payment as that is what the online banking system displayed. However, I noticed on XX/XX/18 that the payment never went through and I was charged a {$27.00} late fee, which is ridiculous for a {$29.00} payment that was not made due to an error in US Bank 's Online Banking System. I made an online banking payment for my whole balance, minus the late fee, on XX/XX/18 and contacted Cardmember Service about waiving the late fee since there was an issue with the system and I've attempted to set up Autopay in the past without luck. Cardmember Service refused to waive the fee and hung up on me when I requested to speak to a  supervisor. 

This same situation occurred last year when I tried to make an online bill payment through their site but they claimed they never got it. They were supposed to help me set up autopay last year, but never did. US Bank is clearly engaging in unethical behavior and trying to scam their customers out of money.
Product: Mortgage

XX/XX/ Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Reverse Mortgage with PHH Mortgage and Delays in Loan Closing Dear Consumer Financial Protection Bureau , I am writing to formally lodge a complaint against the reverse mortgage company PHH Mortgage for the excessive delays that have been caused in the loan closing process with my lender, Loan Depot.These delays have been ongoing and have not only caused significant frustration but have also resulted in financial and emotional strain, as I am attempting to fulfill my duties as executor of my fathers estate.

PHH Mortgage has consistently delayed releasing necessary documents attached to the appraisal and has failed to facilitate the smooth transfer and closing of the loan. These delays have directly impacted my ability to settle this reverse mortgage in a timely manner, despite my continuous efforts to move the process forward. 

Additionally, the delays have led to the accrual of fees and expenses that I believe are unwarranted. I am requesting that the CFPB investigate this matter and intervene to have these fees reversed, as they are a direct result of PHH Mortgages handling of the case. Furthermore, I ask that PHH Mortgage be required to take immediate action to release the necessary documents and allow the loan closing process to proceed without further obstruction. There is a sale date now due to them for XX/XX/XXXX even though they are the ones holding up the loan closing. 

As the appointed executor of my fathers estate, I am seeking to resolve this matter promptly in accordance with his will. PHH Mortgages negligence and lack of cooperation have greatly hindered my ability to do so. I respectfully request the CFPBs assistance in ensuring that this issue is resolved fairly and that I am allowed to close the loan as soon as possible. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX Executor and beneficiary to XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have diligently corresponded with your bureau regarding my status as an identity theft victim, yet my concerns remain unresolved. I am once again disputing the damaging fraudulent information on my credit file. Despite submitting the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I have personally contacted the banks associated with these accounts, submitted the necessary documents, and ensured the immediate removal of these accounts from their records.It is puzzling that while other credit bureaus have promptly removed these accounts following the FTC submission, your bureau has not. I am curious to understand the verification process your bureau employed to continue reporting these fraudulent accounts. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have emailed, called, and sent in letters to all three credit reporting agencies to have the bankruptcies showing on my credit report removed due to how they obtained this information. They claim the court gave them this information even though I have sent in a copy of the letter from the court themselves saying that they have do not share information with any credit agencies. I have asked as recently as XX/XX/2023 with XXXX that it remove the bankruptcy from my report, but they refuse to do and keep saying that the court verified the bankruptcy. This has been going on for a couple of years now and I would like it stop. I even sent a letter to XXXX who claims that they got the information from the court, which I sent a copy of the letter stating that the statement they made was indeed false, and they refuse to remove it from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my credit reporting agency that I have negative reporting on my credit report dated for the month of XX/XX/XXXX   XX/XX/XXXX  and XX/XX/XXXX  from   XXXX   XXXX   XXXX   it showed that i had missed payments / late payment made on my account and it was reported to the credit reporting agencies showing an negative impact on my credit I have contacted   XXXX   XXXX   XXXX   on numerous occasions trying to get this problem resolved on my credit report I have finally sent them copies of thier own records showing my payment were made on time but they have not yet responded back or reported my payments were made on time i have been corresponding back and forth with   XXXX   XXXX   XXXX   but they just keep giving me the rum around over and over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Us Dept of Education is reporting an collection to my credit report. However I should have no collections with them as my accounts were in forbearance. This is in violation and there should not be a collection on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is incorrectly submitting derogatory student loan information on my credit reports. My Federal Student Loans were discharged/closed out, by the Department of Veterans Affairs , and The Social Security Administration because of my XXXX XXXX XXXX and XXXX XXXXXXXX status. I was informed that I no longer owed on the student loan debts ( by letter from both entities ), yet XXXX XXXX continues to report derogatory student loan balances, and that the account is currently open, on my credit reports. This information that XXXX XXXX  is providing to my credit reports is false information, and it should show as closed accounts, and no longer owing. This is causing my credit score to remain low, and the inability to secure loans. It is affecting my credit worthiness.
Product: Credit reporting or other personal consumer reports

My company XXXX submitted disputes to XXXX, XXXX and Trans Union on the XXXX of XXXX. Almost immediately XXXX sent me an email indicating that the dispute was already resolved with the company. There is no way a company could verify that number if disputes in XXXX day. This is fraudulent.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I already paid this debt more than 2 months ago but it is still effecting my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting & Notice of Violations PLEASE SEE ATTACHMENTS!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and Transunion did not remove fraudulent account because they thought the complaint was made in error. It was not and I need them to fix because my identity was stolen.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXX XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX  XXXX Balance : {$2200.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX FACTUAL DATA Inquired on XX/XX/XXXX FACTUAL DATA Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Debt collection

I have received calls almost daily for 2 months about a person I don't know. About two years ago they also called me about this person. They provided name of a person not known to me. I spoke them about two years ago and told them this information. They stopped calling for a while and are now calling again. 
This time it is robo calling. The message hesitates and never states why they are calling, just call them. 
Why should I call? 
I don't owe anyone for anything. The person they are calling about does not live here. I have no idea if they exist, where they live or phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

LEXIS NEXISXXXX XXXX XXXX SHOWING FTC VIOLATION THAT SHOULD NOT BE ON MY BACKGROUNDPLEASE REMOVE THE INACCURATE INFORMATION
Product: Checking or savings account

On the evening of XX/XX/XXXX I checked my bank account and I noticed there were unauthorized transactions in the following amounts : {$98.00} {$58.00} {$130.00} {$98.00} {$9.00} {$98.00} {$98.00} {$100.00} {$100.00} That is a total of {$800.00} from the same merchant back to back to back. I called and reported this fraudulent activity to Wells Fargo Fraud department. The representative I spoke with filled out a claim and submitted it on my behalf. On XX/XX/XXXX I called the fraud department to follow up on my claim and was advised that there was no error found during their review and I would not be reimbursed for the amount of unauthorized transactions. I asked to speak with a supervisor because this absolutely blew my mind. I have been a customer of Well Fargo since XXXX and I have never had an issue so imagine my surprise the one time I have a major issue and they determine it is in fact no issue. The charges are completely outside of my spending patterns. The bank failed me twice  : first by not flagging the suspicious activity and allowing the amounts to continuously be drafted from my account right after another, and second by failing to perform a full review and clearly see this is clearly fraudulent activity. I in no shape or form should be expected to be okay with the no errors found result of the review. I did escalate and requested a second review on XX/XX/XXXX and as of XX/XX/XXXX my claim is still under review. Wells Fargo Bank has a long history of misleading their customers and not treating them fairly and this is no exception. I am requesting my funds be returned to my account by XX/XX/XXXX. Please reach out to me if any additional information is needed to refund my account. I will be closing all of my accounts with Wells Fargo once this has been handled and I have been refunded. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrect information to EWS. My report shows the wrong closure date, phone numbers that are not associated with me, previous account status as being overdrawn and driver 's license ID that doesn't belong to me
Product: Credit reporting or other personal consumer reports

I recently have been in dispute with the fellow 3 bureaus about my credit report and th e multiple inaccuracies. It is damaging to my name and my livelihood.
Product: Credit reporting or other personal consumer reports

This company keeps reporting 120/149 days past due, this account was paid in XX/XX/2020 I had covid 19 and they STILL REFUSED TO HELP AND ITS PAID, The are fraudulent because i am NOT 120 days past DUE they are messing up my credit and I DONT OWE THEM ANYTHING get this late status changed please
Product: Credit card

I have had a Macy 's credit card for years. I was emailed a statement notice on XXXX/XXXX/XXXX. Previously, I have paid when notified without question, but this time I knew I had not used my card in a very long time. I thought maybe someone had fraudulently used my card. When I looked through the past statements, I found that I have been being charged a minimum {$2.00} per month interest charge even though I have not purchased anything on this card. Is this legal?? This makes me wonder how many times I have paid this questionable charge unknowingly. I can only see the last six months online, and all dollars I have paid to Macy 's within this time frame have been strictly for this charge. I suspect they may have been posting this charge on my account for even longer. 

I fully paid off my balance owed XX/XX/XXXX, and since then I have not made any purchases, I did not expect to have owed anything. I only have made payments when Macy 's emailed to notify me. I also noticed that Macy 's has dropped my credit limit to {$100.00} from {$600.00}, surely due to my late payments of these questionable interest charges. How is it I am being charged interest on nothing purchased? Once I paid off my balance in XX/XX/XXXX, I was still assessed this iffy charge XX/XX/XXXX, and then monthly ever since. I will attach a copy of the statement showing I had paid off my balance fully.
Product: Vehicle loan or lease

This vehicle was retrained by the loan company. United Auto credit. Plus resale to a new buyer at an auction some where.. There wasn't any more payments needed to paid at that point. Remove this from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair credit reporting act. the following creditors has violated my rights15 USC1681. section 602 states I have the right to privacy. 15 USC 1681 section 604 a section states that a consumer reporting agency can not furnish any account without my written instruction to consent, nUnder 15 USC1666b a creditor XXXX not treat a late as late for any purpose payment on an account XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive sent numerous of certified letters to agencies asking of removal of all inaccurate information according to 15 USC 1681, USC151681sec 604, 15 USC 1666b.
Product: Credit reporting or other personal consumer reports

I opted to close escrow. Freedom mortgage approved. I made timely payment on XXXX without escrow. Freedom paid out the overpayment in escrow and placed my payment in suspense causing late payment. I called they reviewed and waived late charge and applied timely payment but failed to update their record which is showing up on XXXX credit report as late. Freedom mortgage is non responsive and hasnt corrected with the credit agency which is causing me a negative report, impact to get credit, and harm. I disputed with transunion but they reflect what freedom mortgage shows in payment history. This is also a joint account impacting my wife XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct.In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. 
Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX XXXX
Product: Checking or savings account

I took out a loan from XXXX XXXX XXXX ( a well known lender ) for {$5000.00} to pay unexpected expenses and deposited it to my USAA checking account on XX/XX/20 ; and USAA put it on hold as a Fraud alert the next day causing my account to go into the negative for {$2900.00}. USAA 's executive support team stated after XXXX days of trying to find out what happened that their fraud team stated no reason at all for placing my deposit from XXXX XXXX XXXX on hold for the purposes of fraud. 

On XX/XX/20 the {$5000.00} balance was made available and I started paying bills. The very next day, they placed my account on a fraud alert and spiraled my account balance into the negative for {$2900.00}. 

USAA is also currently constantly attempting to charge my USAA credit card for my checking account negative balance that they themselves caused with again, no reason noted in my account according to their staff.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Account : XXXX XXXX XXXX
Product: Debt collection

I received a " second notice '' letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX Registered as XXXX XXXX XXXX XXXX saying that they've tried to contact me. I have not received any other letters or phone calls from this company. The letter mentions that I owe {$330.00} to XXXX XXXX XXXX XXXX XXXX, which I also have never heard of, but XXXX can accept a discounted amount to resolve this account. At first, I thought this must be a scam. I googled what to do and decided to write a letter to request validation, but checked my credit report first. XXXX reported it to the CRA on XX/XX/XXXX and the credit report states the source is a medical bill from XX/XX/XXXX ( so they evidently gave them some information about the source, but not me ). I will need more information to determine if the debt is legitimate or whether it was paid. Medical billing is often confusing, untimely, and difficult because of all the parties involved and I'm concerned the claim is so old, I will be unable to find any records. I am now divorced and no longer have access to the same bank account/credit card/etc. 
However, it was wrong of this company to lie about attempting to contact me, make a damaging report without the opportunity to validate or dispute the claim, and to do so on something so outdated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get TRANSUNION to fix an error on their end for 4 months. I have spent 6+ hours on the phone, spoken to over a dozen CSRs, MAILED in a fraud complaint from the FTC in XXXX and tried XXXX . I can not get them to remove an errant hard inquiry. I am at my wits ' end. They should be accountable to someone...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  along with Experian and XXXX refused to remove the fraudulent accounts off my report violating the FCRA. I sent multiple times my police report along with my FTC affadavitt to no avail. Immediate rectification should be exercised to the problem at hand.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my credit report. I am requesting that the report of this information be blocked and deleted as it is harmful to my credit report. My request to block is not made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified Transactions are not information related to any transactions by me the consumer : ALL FOLLOWING INQUIRIES ARE A RESULT OF IDENTITY THEFT XXXX  = WXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax = XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX You are required to do what I am asking and block & delete these transactions from being reported to my consumer report within XXXX days from the date of the receipt of this notice. I have attached a copy of the FTC report as well as my ID etc I look forward to your response. 


Thanks