23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I purchased a vehicle with XXXX miles and at the time I didn't have the greatest credit so I was set up with XXXX XXXX. I was told they was okay and that they has handle many of there of clients for them in the past. In XX/XX/XXXX my car was repoed. Upon getting the car back I was told to make a payment of XXXX monthly for the next two years. XXXX XXXX agreed to letting me do my payments every two weeks {$300.00} which would make it $ 600 monthly. I then learned that I had 120+ missed payments from XXXX XXXX. When I call them they said I also have to make the monthly payment of {$390.00} also. I filled a dispute with XXXX XXXX and nothing was done. I also filled a dispute with the Attorney General office and they said since XXXX XXXX didn't respond they couldn't do anything. I currently owe over {$7000.00} and the vehicle is not working. These missed payments is hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to OCWEN Loan Servicing, LLC regarding account # [ XXXX ] requesting validation of this account reported on my XXXX credit report, which is made pursuant to the Fair Debt Collection Practices Act. 

Upon further investigation, I have retained new copies of my credit reports and noticed that Ocwen did not furnish the credit bureaus with the required disclosure, within the period required by law. Federal law requires OCWEN to place a notice of dispute on my account within 30 days of my dispute, which they signed for on [ XXXX/XXXX/XXXX ] I have a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports on XXXX/XXXX/XXXX, showing that OCWEN has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been a victim of not only Equifax data breach but I also lost my wallet with all my information some time again. Now looking at my credit file I see unknown accounts inwhich I'm asking to be removed. 

1 ) XXXX XXXX {$120.00} 2 ) XXXX XXXX XXXX XXXX {$440.00} 3 ) XXXX XXXX  XXXX  {$14.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX XXXX, Account # ( XXXX ) added a derogatory mark on my credit report per Experian credit monitoring service. Upon, further research, this account was transferred/sold by the original debtor, and I am not responsible for the account. Debtors ' creditor did not verify this collection and the information contained as accurate. Also, there was NO written form of communication, contract or signature for this accused debt. A bill without a signature does not validate the debt and the information contained within this collections account contains false/inaccurate information, which has been furnished too the credit bureaus illegally. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Debt collection

Wakefield and Associates has place a " paid '' collection on my XXXX and XXXX credit file AFTER it was paid in full. I sent them a certified letter asking them to remove it and they only sent back a letter saying it was paid in full. This letter is not sufficient for the credit bureaus to remove from my file. Wakefield and Associates placed the collection on my report and therefore, they need to request to have it removed. Per copies of my credit file, the collection from removed and placed back on my credit file without me being notified at least 5 days before. I have already filed a claim against the credit bureau for breaking the law.FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated. 
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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX  reported that I made payments on XXXX and XXXX of 2023 and missed a payment on XXXX of 2023. This shouldnt be the case if me and the car dealership, agreed to change the month I would have to pay a bill because the vehicle they sold me was in their hand majority of the time getting fixed.
Product: Mortgage

Wells Fargo recently did a escrow analysis on my account and withheld a XXXX XXXX more then required to be in account and has flat out refused to answer why.
Product: Bank account or service

In an attempt to open an account, I waited the time frame I was told, but never received a response. I then contacted the financial institution and was told I needed to email identification. I complied and sent the information ( Passport and Drivers License ). A few days later I still had not heard anything, so I again contacted the institution and was told they could n't accept one of my identifications due to it not having all four corners visible. For a second time I complied and resent new pictures. After 5 business days of waiting, I called to see what was going on. I was told by a customer service employee that " we can not accept id through email ''. I explained that 2 other customer service agents told me to email the information. He stated that all he knew was they could not accept ID through email. I then asked for a supervisor. The supervisor told me that they had no records that my ID 's had been received. I then explained that I had sent them twice before. She asked me to send them again and that I would have to wait for approval. I explained to her that I 've jumped through enough hoops for this company and it was time that they did some jumping. I have now been dealing with this company for over 2 weeks, enough is enough. No action, no results, poor customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my report updated that I do not owe Navy Federal after we have settled the account. It is still reflecting on my credit report.
Product: Checking or savings account

Opened a checking account with Citibank online. Deposited {$2000.00}. Paid 3 bills all returned for XXXX because I did not realize they held deposits for 7 days. Sent XXXX to my husbands bank then tried to transfer to his account free but they wouldnt let me. I had to wire money 4 times which caused me to pay a wire fee of {$35.00} which I want refunded for. Then I requested XXXX wire transfer and someone from Citibank called me and interrogated me with at least 35 questions which I answered, then I received an email they canceled my wire. Next they locked my account. I personally went to a branch office in XXXX, Va XXXX miles to get my funds. I brought drivers license, check book, and answered all the questions for the lady helping me but they would not unlock my account. We have 2 retirement checks to be deposited on the XXXX and will have to wait 30-60 days. I have never dealt with any bank like this XXXX XXXX
Product: Checking or savings account

An impostor withdrew {$10000.00} from my US Bank checking account at XXXX different branches on consecutive days. US Bank 's tellers at the XXXX XXXX, XXXX XXXXXXXX and the XXXX, XXXX XXXXXXXX simply allowed a man to make XXXX withdrawals without verifying my identity. Even though XXXX of the withdrawal slips MISSPELLED MY NAME AND THE SIGNATURES DID NOT XXXX XXXX. I reported the theft to the police department in both towns but the investigation has stalled BECAUSE US BANK HAS REFUSED TO TURN OVER THE BANK 'S SECURITY VIDEOS OR THE PHONY ID PRESENTED. How can US Bank get away with this?
Product: Student loan

My student loan servicer is FedLoan Servicing. I am enrolled in an income driven/based repayment plan and XXXX XXXX XXXX XXXX XXXX XXXX I submitted my XXXX  request on XX/XX/XXXX and my repayement recalculation/monthly payment letter was received on XX/XX/XXXX and was calculated at {$900.00}. My wife and I are both enrolled in XXXX and XXXX plans. She found out that on XX/XX/XXXX her pay would be dropped by 20 %. We have XXXX children in daycare. On XX/XX/XXXX I submitted the paperwork to have my monthly payment recalculated as our total income had gone down and we both have student loan payments each month. On XX/XX/XXXX I received my recalculation letter and payment had infact went up to {$1300.00}. The following day XX/XX/XXXX I received another recalculation letter stating my monthly payment had gone up again to {$1400.00}. The same day ( XX/XX/XXXX ) I again submitted my paperwork to have my monthly payment recalculated because clearly mistakes were being made. On XX/XX/XXXX I received an e-mail notification that my recalculation request had been denied, but they would send a letter detailing why my request had been denied. This is the second time I've had to file a complaint against FedLoan Servicing due to mismanagement, poor communication, and for all around being a terrible loan servicer.
Product: Checking or savings account

I was to receive a XXXX bonus from Key bank for opening a new checking acct and making a direct deposit of XXXX which I did on XX/XX/21. No XXXX bonus. Its impossible to call them.. On hold forever and when I did get someone she kept telling me I had to keep holding. They are EXPERTS in terrible customer service. Hard to talk to a person. Bank manager could not help! I opened the acct online with the code # for the bonus auto. filled in on application.
Product: Credit reporting or other personal consumer reports

Several years ago I put a freeze on my XXXX credit reports due to possible identify theft. I receive frequent emails from Experian but recently they have stated that my " credit is not locked '' and they send information about additional monthly fees for services to increase my protection. This is confusing because my account is supposed to be frozen so I have attempted to call them but only received automatic options which did not address this issue. I tried a different method of going directly to my account. This showed that my account was actually FROZEN. Therefore today, I tried a different number to get clarification but again there were similar options which did not address the issue. I kept trying and finally talked to a representative who confirmed my account was frozen and therefore NOT at risk. He apologized for the confusion but did not offer any solution. I would expect that this is a confusing matter for many people who may opt to pay more for unneeded services. I believe this should be corrected.
Product: Credit reporting

There were liens on my credit report with the XXXX of Mississippi Revenue XX/XX/XXXX. I called an spoke with XXXX XXXX of the State of Mississippi Revenue office. I was informed that a new computer tracking system was put in that pull all information of business that have not filed there taxes or owe taxes. I had not been in business since XX/XX/XXXX, ( nine years ago at the time ) and had not lived in the state since XX/XX/XXXX. This lien was caused by not filing a " XXXX '' return and informing the state that I was no longer in business. I Did Not Owe Any money. I was instructed to send XXXX XXXX tax returns and the final return request account to be closed. I did and the lien was cancelled not satisfied as if I had to pay any money. I sent this documentation to all XXXX credit bureaus immediately. XXXX and XXXX removed the liens, Equifax refused stating it was a record of fact that I had a lien and refused to remove the liens. Equifax is still reporting a lien from XXXX as well that was in error. I am attaching the corresponding documents and communication with the Mississippi Revenue representative. I had to send the same information to XXXX XXXX my credit union when I was trying to purchase a home, who accepted it. I am requesting an investigation of Equifax relationship with member creditor 's requesting all previous credit discrepancies like mine continue to be report. Even if the error was on the creditor, state, federal or pubic record. This causes lower credit scores for the consumer and reward the creditor 's the right to charge higher interest rates. Most consumers do not have the ability to fight the credit bureau or the creditor 's. We desperately need your help with this matter for all consumers sake. 

XXXX XXXX Sales tax Lien XXXX XXXX ( XXXXXXXXXXXX ) Attachment XXXX/XXXX/XXXX Documents To : XXXX XXXX XXXXXXXXXXXX Active ViewXXXX XXXX XXXX XXXXTax AnalystXXXX. XXXXThis e-mail is advisory only and is not binding on the Mississippi Department of Revenue. For more information, please seeXXXX 
Effective XXXX XXXX, XXXX, Mississippi will implement a Statewide Tax Lien Registry. For more information, please visit http : XXXX & gt ; & gt ; & gt ; XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; XXXX/XXXX/XXXX XXXX XXXX & gt ; & gt ; & gt ; ActionsXXXX XXXXXX/XX/XXXXTo : XXXX XXXX Good morning, I am contacting you because there is still a tax lien on my credit from XXXX XXXX. I have called them and was told it is coming from Mississippi state sales tax and it will be removed when the state removes it from the credit bureau. Can you please check into this for me. I am in the middle of closing on a has and was told I needed to pay this or show proof that this has been taken care of and will be removed from my credit report. I am due to close on next Tuesday. I was told this late yesterday and I know this is a short notice. I can be reached at XXXX these numbers : XXXX or XXXX. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have never had a chargeoff account with 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

XX/XX/year> Subject : Formal Complaint Against Experian for Failing to Correct Inaccurate Late Payment Information Dear CFPB, I am filing a complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account associated with XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least XXXX  days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness. 
Protection Against Non-Payment of Obligations Act ( XXXX ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. 
I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately. 
Errors Identified : The account contains discrepancies in the following fields : High Balance : The reported high balance varies between bureaus and does not reflect accurate transaction history. 
Last Verified : The date of last verification is inconsistent across credit bureaus, raising concerns about the reliability of the data. 
Date of Last Activity : The reported dates of last activity differ significantly among the credit bureaus, leading to confusion and potential inaccuracies. 
Balance Owed : The current balance owed is incorrect and does not align with my payment records. 
Payment Amount : The amount listed as my monthly payment is erroneous and does not match the agreed terms of the account. 
Credit Limit : The credit limit reported is incorrect, and the discrepancies could negatively impact my credit utilization ratio.

Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Correction of errors in the above-listed fields. 
Written confirmation of the corrections. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I had opened a account with us bank for a business account. My first payment came it and they immediately locked me out of the account. Went into a local branch and was unable to receive my money. I need this to make payments and there not telling me anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX po box XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX  XXXX Balance Owed : {$11000.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$160.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$3700.00}, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I am XXXX XXXX I been a victim of retail consumer fraud since XXXX until XXXX which is now I have bank accounts open in my name XXXX XXXX XXXX XXXX  for 20 or more something years I received a letter from another consumer being notified the items was trying to be bought from my credit card accompany I immediately contacted the company they tell me that I have two accounts open one has been open since XXXX and one has been open since XXXX the company that was XXXX was XXXX XXXX second the XXXX XXXX XXXX company and they were very excited to tell me yes you have two accounts open with us and I'm not understanding how come I was never notified about these reports and who's the person that opened up these accounts at this time these accounts were open I was the age of XXXX XXXX XXXX so really came to my understanding of not knowing how without no identification or anything then I'm finding out being stopped by the police that I have a XXXX XXXX  driver 's license in my name which I've never had a XXXX XXXX license in my name so I was trying to find out how did all this stuff happen to me and why is it going on and as of now I'm still going through this it is very harmful I am going to XXXX  XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unspokenly I went to Social Security to switch my social they wouldn't do it for someone reason I had to go to court pay signs because of the XXXX XXXX  license trying to get my license I am very sick and tired and emotionally stressed I honestly want I feel like XXXX XXXX XXXX XXXX XXXX because my human rights has been took it I would like to be contacted about this I need some help I need help with this because it's still going on money has been still not of my accounts out of my work accounts I want to bring this to a notice to be seen and for people to be penalized for this for whomever I'm thinking this is not right I even saw the case with police courts the XXXX  and no one 's trying to help me out so now I'm following the case with you guys please contact me thank you I have much more to say just couldn't put every word and everything into it
Product: Debt collection

On XX/XX/2019 I received a call from my employer of the HR department. During this call they informed me that they had received a notice to garnish my wages for a past debt. Along with the notice I was emailed a copy of the garnishment order. Within the request it stated I was informed of the possible garnishment and that they were sending a federal order to garnish. What I have a complaint on is the garnishment is not a result of a default judgement nor is it legal. The company responsible for this practice is Transworld Systems INC. After reading I gave them a call expecting to speak with a government official but was informed they are not the government. I then asked how to obtain a federal income tax garnishment. I was then told they could not help me nor could they protect me from a tax garnishment. From there I contacted XXXX to get some feedback. Upon contact I was told my account went to collections and to contact Transworld Systems INC. Here is where Im in complete awe. How does a debt collector send a federal order to garnish wages if it does not meet the criteria. Please help shed some light so my concerns may have some answers. Thank you.