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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX . Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXXXXXX  ), 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 21 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 ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness and negatively impacted my credit score, violating these provisions. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. The late payment reporting errors in my case suggest that this obligation was not met. 
New Evidence of Error Equifax : The account inaccurately reports a 30-day late payment in XX/XX/XXXX and a 60-day late payment in XX/XX/XXXX, even though all payments were made on time. 
Pattern of Inaccuracies The continued reporting of late payments across XXXX, XXXX, and Equifax shows a persistent pattern of errors. These late payments have been inaccurately reported despite my account being on autopay and having no missed payments. 
Request for Immediate Correction I am formally requesting that the inaccurate late payment notations be removed from my credit report immediately. The entries must be updated to reflect my true payment history, which is 100 % on time. Should this issue remain unresolved, I will escalate my complaint further, including pursuing legal action and filing additional complaints with relevant regulatory agencies to protect my consumer rights. 
Thank you for your immediate attention to this matter. I look forward to receiving written confirmation of the removal of these inaccurate entries within 30 days. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I responded to United Air promotions for low price/ minimal restrictions by purchasing 3 tickets online. The price that I appeared to charge to my Chase United Credit Card was {$2100.00} total for 3 round trip tickets. In fact, when I saw the charge posted online I saw I was charged {$2100.00} per ticket or {$6300.00} total ( for 3 round trip ECONOMY tix to XXXX / XXXX XXXX. I was unable to get through to United to via their 800 number within 24 hours of booking to cancel for a refund ( XXXX ). I was on perpetual hold and never got to a live person who could cancel my reservation. By the time I got through it was passed 24 hours and was told I called too late for a refund, I could only get a credit not a refund - the supervisor did not seem to care that I could not get though on the phone w/in 24 hours. I first reached out to protest through my Chase Visa card on XX/XX/2020 and reached XXXX in IL ( XXXX ). She took my complaint and said they would give me a credit as I could not get through to cancel w/in 24 hours - and that someone else from Chase would be in touch to verify some information for the credit. I let her know that we were not at our home address as we were in another state due to XXXX, so they should contact us via e-mail or cell phone only. 

As no one from Chase Visa contacted me in two weeks and there was no credit for the tickets online, I called Chase again on Friday XX/XX/XXXX and spoke to XXXX in XXXX XXXX, TX. She told me my complaint was closed as I was " mailed '' information I had not responded to. I told her that I was not at home to receive mail and had not been contacted by anyone at Chase. She said that she would reopen the complaint and note that I was never contacted by someone from Chase, despite their assertions otherwise. She also said that she would make sure a supervisor would reach out to me - yet none has reached out. The next day XX/XX/XXXX, I actually went to my New York home to check my mail for the first time, I found the bill including three charges for {$2100.00} - which have still not been credited as promised - yet I had no letter from Chase regarding my dispute, as I was told by XXXX was sent two weeks prior. 

I have been a customer of Chase for over 30 years and have my mortgage, home equity, retirement accounts, checking, savings and a business account. I can't believe that I am receiving such shoddy and unprofessional service from them. It is causing my life great stress and disruption during a time which already is full of enough stress due to COVID-19. 

I would appreciate an immediate credit for the full {$6300.00}, as XXXX promised on XX/XX/2020 - as I was unable to get through to United within 24 hours despite my attempts to call their customer service number within that 24 hour time frame. Thank you. XXXX XXXX
Product: Debt collection

THE COMPANY IS AN ENTITY i HAVE REPEATEDLY CONTACTED TO VERIFY CHARGES. THEY CAN NOT PROVIDE ANY DOCUMENTATION BETWEEN MYSELF AND THEIR COMPANY. I NEED THIS REPEATED NEGATIVE MARK OFF MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review dispute attached. 

Equifax keeps saying that they have not received my letter
Product: Mortgage

In XXXX, I made two payments against the principal of my mortgage in addition to my regular monthly payment. One of the payments was correctly applied to the principal but the other was not. It was incorrectly applied to my monthly payment. My online account indicates that I do not have a payment due until XX/XX/XXXX when it should show that my next payment is due XX/XX/XXXX and my principal amount should be reduced by {$1000.00}. The is the second time Carrington has ignored my request to apply an amount to my principal and misappropriated my payment. I have contacted the company on three occasions. I have spoken with representatives in Indiana, and Texas twice. They are unable to correct their mistake. I was told by the Indiana representative that this recurring problem is caused by improper training of representatives handling payments. They should indicate " NO PROMISE TO PAY '' and they do not. Regardless, they are misappropriating my payments and my account is continually mal-adjusted.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX is reporting that I was late on my payment back in XXXX of 2023. It is currently being reported to Experian, XXXX, and XXXX. However, I was never late for any payment. Incorrect data is being reported to all 3 credit bureaus.. In the past, I have talked to XXXXXXXX XXXX  and it was supposed to have been fixed but still it is not fixed.
Product: Student loan

I took out XXXX student loans between XXXX and XXXX via XXXX, that originated with Sallie Mae, prior to the XXXX bifurcation into XXXX entities ( XXXX and Sallie Mae ). When the bifurcation occurred, portions of the loans were assigned to XXXX, and portions were assigned to Sallie Mae. This seems to have been in error, as the entire loan balances should have been assigned to XXXX. No explanation was given at the time, and I have only recently determined that I was making payments for the same loans to both entities. 

In the intervening years, I have made recurring payments to Sallie Mae ( roughly $ XXXX per month ), which I estimate to be in excess of {$50000.00}. 

I requested loan origination documents from Sallie Mae several months ago, but the request was not fulfilled. I separately requested information from Sallie Mae as to why the dollar amounts were assigned to them in the first place, but they were unable to provide an answer. I sought the same information from XXXX, and they referred me to CFPB. 

Any help is appreciated. 

Thank you!
Product: Mortgage

I filed a compliant with the CFPB in XXXX XXXX on Bank of America 's handling of paying the liens and fees assessed by my Home Owners ' Association. I am now filing a new compliant based on the fabricated and fraudulent information Bank of America provided the CFPB and Florida Attorney General. Bank of America fabricated a letter dated XXXX XXXX, XXXX. This is a completely fraudulent letter that was created for the Florida Attorney General. The date does not even correspond with the situation that was at hand ( see court document for lien ). Due to the mishandling of the lien and fees, I did n't pay my mortgage for XXXX and XXXX XXXX based upon the statements that were made in court on XXXX XXXX, XXXX. My concern is Bank of America 's ability to create fraudulent documentation/information in a effort to say that they did not improperly handle the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX {$500.00} closed # XXXX XXXX XXXX {$300.00} Paid in full # XXXX XXXXXXXX XXXX  account closed # XXXX XXXX XXXX {$1000.00} account closed # XXXX XXXX XXXXXXXX XXXX XXXXXXXX had XXXX  in hospital {$650.00} XXXXXXXX XXXX XXXX- Account closed and its been 7 years # XXXX TXXXX XXXX XXXX XXXX Account closed and its been 7 years # XXXX XXXX XXXX XXXX - this is not my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Trying to get me to pay more when Im broke and I try to pay what I have left due to medical problems calls all the time
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report promptly. I did not open or authorize these accounts and have no knowledge of their origin. Pursuant to USC 1681g, I formally request their removal within XXXX  days. I have included the relevant documents for your review and reference.
Product: Student loan

I repeatedly requested XXXX ( former servicer ) to remove me from XXXX deferment on my loans. One loan ( XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX for {$1900.00} ) was in deferment from XX/XX/XXXX until XX/XX/XXXX. I called XXXX on multiple occasions to inquire about getting started on repaying my loans on one of the XXXX plans so that I could start making progress toward PSLF. Their agents advised me that it was possible. They sent me a form. I filled this form out twice. I was employed by a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). All the while, I was under the impression that my payment was {$0.00} due to the XXXX. I am now seeing that XXXX never honored my requests. I did what they asked me to do, but they did not do what they promised me they would do. I am harmed because, under the new provisions set forth by the XXXX XXXX XXXX I would be eligible for relief if XXXX had done its part. I did my part as the borrower. I paid on time and sent them the documentation they asked for. 

A complaint was submitted to the U.S. Dept. of Education on XX/XX/XXXX. 

MOHELA replied that they only had proof from XX/XX/XXXX, when I XXXX with my second XXXX XXXX. However, I asked XXXX to take me out of XXXX XXXX ( see attached ) when I XXXX with my first XXXX XXXX in XXXX.
Product: Debt collection

On XX/XX/XXXX I received a statement which indicated that both accounts are settled and XXXX $ I found a record on credit bureaus that negatively impacts me. Settling with the creditor who filed it against me was not successful. 

As of today, on XX/XX/XXXX I called at the number in the statement XXXX and spoke with XXXX XXXX who was unable to locate my information. She was unable to locate my profile. She suggested to submit all paperwork I have to locate my information and proceed from there. 

I called XXXX to ask about the negative record removal but they claimed they can not and would not do removal and suggested to file complaint with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 my email was hacked and my credit report was hacked. Although I am a XXXX  XXXX account holder a fraudulent inquiry was made on XXXXXXXX XXXX XXXX I did NOT authorize this inquiry. The inquiry is fraudulent and XXXX XXXX has promised on several occasions to remove the XX/XX/2022 inquiry but have failed to do so. The XXXX inquiry is fraudulent and violates the FCRA. The credit reporting agencies have refused to remove the inquiry as well.
Product: Vehicle loan or lease

The car dealership charged me {$2800.00} as down payment it never went to the car and they never explained the down payment never went to the car loan and they never told me about the very high APR rate on the car the car prices jumped from {$17000.00} to XXXX and it was no way to pay it off and when I got into an accident they never paid the loan off with the XXXX  XXXX  I asked for
Product: Credit card

Hello, I am reporting a credit card, '' Fortiva '', that appears to engage in illegal business practices, like suddenly changing the available credit limit in order to charge overlimit fees at random, not reflecting payments made in the card statement and charging late fees, penalizing users for paying over the minimum payments, and others. I personally know someone who has been targeted, and there are an alarming number of search results for the credit card where people discuss their experiences with " Fortiva '' and almost universally agree that this company is a scam. It is especially troubling since the company appears to target people with poor credit, worsening their financial situation. I would like to request an investigation into this company and, if any illegal business practices are identified, punitive action. Please feel free to reach out any time if you wish to talk. Even though I have not been personally affected, I figured this was still worth reporting with the number of people echoing these concerns. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to my previous complaint the credit bureau advised that the disputed item is updated. However, they did not delete the disputed item which is over XXXX XXXX XXXX. Therefore, please re-investigate and delete the following account as the last payment on this account was made more than 7 years ago : XXXX XXXXXXXX XXXX account XXXX Also, Transunion is showing a 30 late payment on XXXX XXXX account XXXX which is incorrect- I have never missed any payment on this account.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I deposited a cashiers check into my checking account at Chase bank in the amount of {$1900.00}. I was told there would be a hold on the funds till XX/XX/2020. The next day, XX/XX/2020, I called Chase to inquire why my cashiers check had a hold and they put me on hold for several minutes and came back on the line and said the check was good and they were releasing the funds, Because I was uneasy dealing with this amount of money, I asked Chase to call the issuing bank and confirm that the check was in fact good, They did and came back on the line and said they talked with XXXX at the issuing bank and the check was good. I asked Chase to send me a short email stating the check was confirmed to be valid. The response was that " Chase does not do that but you have my word the check is good. '' Based on this, I spent {$1600.00} of the funds at XXXX XXXX  and that same day at XXXX XXXX  Chase debited my account for! ,XXXX and said the check was ficticious and altered. I never would have used the funds had I not relied on the validity of a cashiers check and Chase giving me their word the check was good. This entire conversation was on a recorded line.
Product: Debt collection

Dear Sir/Madam, I am writing to report a concerning issue with a debt collection notice I received from Synerprise Consulting Services , Inc . The notice, associated with my account number XXXX, claims a service date of XX/XX/2023, and demands payment of {$10000.00}. 

This charge appears to be fraudulent, as I did not receive or request any services on the mentioned date. Moreover, I have never received any prior bill or notice corresponding to such an amount or service. 

Despite my attempts to resolve this directly with Synerprise Consulting Services , Inc., I am not confident that this matter will be adequately addressed. The significant discrepancy and the amount involved suggest that this could potentially be a scam targeting consumers. 

I am willing to pay the original remaining balance of {$69.00}, which I acknowledge as due. However, I seek the assistance of your office in investigating this issue and ensuring that such fraudulent activities are curtailed. 

I have attached copies of the statement and my correspondence with Synerprise Consulting Services , Inc. for your reference. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting Agencies is reporting a late payment for XXXX XXXX XXXX  and a payment was not due. See Attached. 

Credit Reporting Agencies is reporting a late payment for XXXX and the payment was made on time. The payment was not late. See attached, XXXX XXXX XXXX was not ever late. 

XXXX XXXX failed to produce signed credit card application bearing my signature and photo identification. They reported errors on this account every day for thirty days. They failed to properly authenticate that opened this account. Credit Reporting Agencies fail to remove the bogus account and to cease any erroneous reporting by them.
Product: Mortgage

I have a mortgage with Ocwen and I believe that I have paid more into this mortgage then is required to be paid in full. I have had the same loan on this house since 1998 and believe it should have been paid off by now. Is there a way to find out if my payments have been applied properly by this company?
Product: Money transfer, virtual currency, or money service

i am filing a formal complaint with the Consumer Financial Protection Bureau against Cash App and its parent company, Block , Inc., for inadequate service and unfair practices. Despite multiple attempts to resolve issues such as unauthorized transactions and missing funds, the company has failed to provide proper assistance or resolution. These actions appear to violate the Electronic Fund Transfer Act, which requires prompt investigation and resolution of errors, as well as the Federal Trade Commission Act, which prohibits unfair and deceptive business practices. I am requesting a full resolution, including a refund or compensation, and trust the CFPB will assist in addressing this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by a creditor directly that they can not verify my old debt account, and they implored me to dispute it through Experian and that the dispute should drop the report because there is no way the account can be verified. We spoke directly to several managers at XXXX XXXX and XXXXhey were very nice, and helpful to the point where they did inform me to dispute it, and that they would make a notation, and when the dispute came through it would be a non-verified. Lo and behold, Experian claims they verified and updated it. I don't beleive they did. How coule they when my direct correspondence with the creditor could not verify it? I don't believe Experian verified this account, even though they said they did.
Product: Debt collection

Merchant Adjustment Services continue to violate my consumer rights. Under 15 USC 1692 ( c ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. This company is very unaware of consumer laws. They stated in a previous complaint that I consent to them having my personal information when I signed into a medical facility Federal law clearly states that I have to give direct consent. They also stated that they didn't use abusive or obscene language. Under 15 USC 1692 ( D ) ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader is a violation. I said it was abusive, the company cant state what is abusive to me or not. This is why Federal laws were put in place for deceptive practices as I am experiencing what this company. They stated they sent me a letter regarding this matter, I ask that they send it again. Under 15 USC 1692J, It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.I 'm pretty this company is not the original creditor of this alleged debt. So, please send me the deceptive form you stated you already sent, so i can have proof you violated me and get my {$1000.00} per violation. Thanks
Product: Debt collection

In XXXX of 2019, a drainage issue caused water damage to the apartment I'm renting. 

By May, my landlord 's insurance provider, XXXX  XXXX XXXX ( XXXX ), resolved the issue and claimed my wife is liable and therefore responsible to pay for the full cost of the damage. 

By XXXX, I had requested both an itemized list of charges and a copy of the insurance policy from XXXX and ultimately disputed the liability claim and subsequent debt collection attempt by XXXX that amounted to about {$15000.00} dollars. 

Months later, in XXXX, I received a call from a debt collector named XXXX XXXX representing Sequoia Financial Services ( SFS ) ( presumably representing XXXX  ). 

By XXXX, I repeated my request for a copy of the insurance policy, this time to my landlord directly. She said she would speak to her broker and I never heard back from either of them. My landlady also informed me at that time that XXXX had tripled her premium causing her to search for new providers. 

In response to multiple calls and letters from SFS, and in good faith, I responded to SFS by sending a written letter via certified mail asking for the following : 1. an explanation as to why we owe the debt a. this included a request for documents including but not limited to the XXXX policy that covers my landlord 's property 2. how much they intend to collect and how they came up with the amount to collect a. this included a request for an explanation of how the debt was created as well as an explanation of how any interest, fees, or any other charges are permitted by law. 

Months later, rather than making an effort to explain the burden of debt in a written response, they decided to call me in what I can only imagine is an effort to further intimidate me and convince me to pay them in full, with interest and without question. 

XXXX couldn't get what they wanted, so they asked XXXX to bully me  and when the front line case worker ( XXXX XXXX ) couldn't handle my request for information, it was escalated to a manager named XXXX who called me and gave rise to this complaint. 

I have responded with a voicemail message reiterating my request for information.
Product: Debt collection

SENT DISPUTE LETTER, CREDITOR HAS NOT REPLIED OR SENT ANY OF REQUESTED INFORMATION