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

My account with XXXX  XXXX 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 XXXX, XXXX, AND XXXX 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. 

XXXX  XXXX 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
Product: Mortgage

Good morning, I fell behind on my mortgage payments with Midland Mortgage for rental property that I owned out of state during the pandemic. I was in and out of work, changing jobs several times beginning in XX/XX/XXXX. I entered into deferred payments with Midland Mortgage sometime around XX/XX/XXXX thanks to the CARES Act. I made payments when I could. The opportunity to sell the property presented itself XX/XX/XXXX and I leapt at the chance. The house sold in one week. I spoke with Midland Mortgage shortly thereafter explaining that the house would be empty for most of the time up until closing, and that I wouldn't be able to continue with my payments until the sale closed. I informed them that they should expect to be paid in full and estimated the closing for early XX/XX/XXXX. All of the representatives at Midland Mortgage that I spoke with said that that would be fine. One of their agents went so far as to say that I wouldn't be in any serious danger of repercussions until XXXX of XXXX. To my disappointment, the closing was delayed a number of times and stretched into the new year and closed on or around XX/XX/XXXX. 
Midland Mortgage then reported " Serious Delinquencies '' of past due payments of over 120 days to the credit agencies. I called Midland Mortgage and expressed my disappointment because I understood that the CARES Act protected me from negative reporting. The agent at Midland Mortgage agreed with me stating that I have the option to submit a dispute, which I did XX/XX/XXXX. XX/XX/XXXX they denied my request. 
The short version of my story is : Not one of Midland Mortgage 's agents made mention of the possibility of a seriously bad credit report. If I had known in XX/XX/XXXX that Midland 's derogatory reporting would prevent me from obtaining another mortgage or even getting an apartment, I would have found a second job. I used to have good credit and all of my bills are paid early, with the exception this rental property mortgage because the CARES Act afforded me some relief. This pandemic has been hard on a lot of Americans. I'm one of the more fortunate ones. I don't see how my bad credit report benefits Midland Mortgage. They have their money. My account is closed. All I am asking is for Midland to amend the reporting. 
Thank you for taking the time to hear my complaint. 
XXXX XXXX
Product: Debt collection

They just called my mother and left a voicemail, and I 'm not even sure how they legally obtained her phone number since it would only be listed on my phone bill.
Product: Credit reporting

I 've had my credit acquired by someone else and purchased timeshares in my name XXXX and XXXX, that are not mine and I have never claimed them. I 've tried to dispute with the companies and credit bureaus themselves, along with submitting my Government ID and Social Security Card mailed in. I have several Inquiries that I have disputed but to no avail and a Collection and Late from XXXX XXXX which was Paid in Full ( see attached ). 

This is the list of inquiries on my credit report. Mortgage Reporters I 've only allowed XXXX mortgage company to check my credit for a mortgage FACTUAL XXXX ( FDC ). I have not went car shopping, and do n't know why it 's on my credit report. 
XXXX & XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX DEALER XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX LOANS, IN I 've disputed all of these things but they only ask me to resend my Government ID and Social Security Card, yet again. I submitted it the first time with the dispute.
Product: Credit card or prepaid card

Capital One Bank sent me a credit card, it is called XXXX, in XX/XX/XXXX. 
When I got the card, the letter of Capital One said : Earn a one-time {$150.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening, and 0 % intro APR for 9 months ; 15.74 % - 24.49 % variable APR after that, but, in XX/XX/XXXX, my bill statement for the card shown I was charged for {$20.00} interest. 
The Capital One bank must explain why everyone got that terms except me? 
The Capital One bank must explain why sent me the XXXX card if I can not have the same terms? 
Is this a fraud?
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my XXXX report there are inquiries that I don't recognize. I did not apply for anything in XXXX! Must be FRAUD!! I contacted the below creditors and they have NO proof I initiated these inquiries, nor written authorization and have failed to provide any permissible purpose. There are no accounts associated with these inquiries and I ask for their removal from my credit report. Unauthorized inquiries listed below... 

XXXX XXXX XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. I provided all the necessary documentation to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. I implore your bureau to take my identity theft case seriously and expedite the investigation process. I request that you thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I ask that you take steps to prevent such incidents from happening in the future, as it is clear that my personal information was mishandled and abused. PLEASE DELETE the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The Comenity Bank who is the provider for our XXXX XXXX XXXX XXXX My BJ 's Perks Mastercard has been having " system '' and " computer '' issues for the past month. Apparently, they were doing a system update and it did not go as planned. I have not been able to log into the website to check our account or make payments. When we call the number on the back of the credit card we are on hold for an extended amount of time. When we are able to get a hold of someone they can not access our account either and just say call back later. Also, there were fraudulent charges to our account at the beginning of XX/XX/2022, which caused Comenity to close our account and issue new credit cards. My wife received her new credit card but it was the wrong rewards level. We called and after being transferred and disconnected were able to get a hold of someone who said the rewards will be calculated correctly. It took us almost a week to resolve this issue. The one time I was able to log into our account online, approximately the week of XX/XX/XXXX, I sent a secure message about these issues but have not heard back. I have not received my new credit card yet. When we are able to finally get a hold of someone they said there are issues with the provider. Also, we have had to use our debit card to make purchases missing out on rewards and the {$0.00} off of gas at XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I requested the removal of these unauthorized inquiries. I do not know of any of these unauthorized inquiries from my credit report.
Product: Mortgage

I was granted forbearance by Freedom Mortgage in accordance with the CARES Act during the pandemic. I was an essential worker at the time. Coming out of the forbearance, I agreed to a loan modification. I submitted the appropriate paperwork to Freedom Mortgage on XX/XX/XXXX of 2022. I called frequently to ensure I had submitted the proper paperwork to them and was assured that I did. Many months later, I was asked to re-submit my loan modification paperwork. I complied and submitted my paperwork a second time on XX/XX/XXXX of 2022. I again called Freedom Mortgage frequently to ensure I had submitted the proper loan modification paperwork. I was again assured that I did. To my surprise in XXXX, I called my payment into Freedom Mortgage as online payment was not an option. The customer care representative stated that my mortgage had moved into pre-foreclosure. I have never missed a payment to Freedom Mortgage. I've maintained my mortgage in accordance with the stipulations outlined by my forbearance and loan modification option and was being told my mortgage was in the preliminary phases of being foreclosed upon. I submitted loan modification paperwork for a third time on XX/XX/XXXX of 2022. I have called multiple times since then and have been told of errors in the paperwork despite following the previous customer care individual 's instructions perfectly. At this point, the mechanisms intended to provide help to veterans that are their customers is broken. Freedom Mortgage gives the appearance of intentionally allusive requirements and insufficient communication to customers if there are follow-up items needed. It is now more than 1 year later, and Freedom Mortgage has failed to act and is submitting derogatory information to the credit bureaus despite my consistent follow-up and compliance. I will lose thousands of dollars that I would not have had to pay in principal and interest had Freedom Mortgage followed through in a reasonable manner to protect their customer, me, against the negative impacts of a global pandemic and while functioning as an essential worker during that time. I am now being penalized twice with the negative credit information being reported to the bureaus on top of the additional financial burden I carry due to their inaction leading to a higher interest rate. This is not how a 100 % VA XXXX veteran should be treated and especially so by the number 1 VA loan servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XX/XX/XXXX # XXXX XXXX XXXXXXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A states i have the right to privacy.

15 u.s.c 1681 section 602 A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

This company calls from a different number each time. 7 days a week XXXX times a day. I have nothing on my credit report for this company so there is no known debt nor have I received anything in writing from them. When I called to tell Them a complaint was going to be filed for their ridiculous amount of phone calls the lady refused to remove my number ( which clearly I never consented to them calling ) without obtaining personal information which I refused. This is XXXX single day for at least XXXX months. Blocking the number doesnt work as they just use another to call several hours later.
Product: Debt collection

This was not sent in error ; I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
Product: Checking or savings account

On Saturday XX/XX/2020 I uploaded {$1200.00} to my cash up through my debit card. I was new to this type of service I was just testing it out. I attempted to make a withdrawal to my bank account that was linked and I could not it said my account was locked for suspicious activity. It told me their contact support which you can only do through email and said it would get back to me within 24 hours. I still have not received any emails back my account is still locked and when I click on contact support now and tells me that there is an error occurred it will not let me send emails now to them they will not let me access my funds in any way whatsoever or communicate with me I need my money this is a cash app account the debit card and bank account both linked to my cash out account or the same account at XXXX. My cash app handle $ XXXX. My name is XXXX XXXX. My phone number is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau 1700 G Street NW Washington, D.C. 20552 Subject : Urgent Formal Complaint Against TransUnion for Persistent Non-Compliance with the Fair Credit Reporting Act ( FCRA ) Dear Sir or Madam, I am writing to lodge a formal and urgent complaint against TransUnion for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. Despite multiple dispute letters sent over several months, TransUnion has continually failed to remove unauthorized, incomplete, and unverifiable items from my credit report. This negligence is causing me significant financial harm and is a blatant violation of federal law. 

Summary of Events : First Dispute Sent : On XX/XX/2024, I sent a letter to TransUnion demanding the removal of unauthorized inquiries and accounts, such as those from XXXX XXXX, XXXX, XXXX XXXX XXXX, and others. I requested that TransUnion provide verifiable proof of these items or remove them if they could not be verified ( XXXX ). 

Second Dispute Sent : On XX/XX/2024, after no corrective action was taken, I sent a follow-up letter reiterating my request for removal. I demanded that TransUnion provide details of the verification process as required by law ( XXXX ). 

Third Dispute Sent : On XX/XX/2024, I sent yet another letter demanding immediate action regarding the same unauthorized inquiries and accounts. Despite these efforts, TransUnion has completely ignored their legal obligations under the FCRA ( XXXX ). 

Items to be Removed : XXXX XXXX, Hard Inquiry, XXXX XXXX, Hard Inquiry, XXXX XXXX XXXX XXXX, Account : XXXX XXXX, Account : XXXX... ( and many others ) Request for Immediate Action : I demand that the CFPB initiate an investigation into TransUnions persistent non-compliance with the FCRA. It has been over 45 days since I initially contacted TransUnion, and they have failed to provide any verifiable proof of the disputed items. Under the law, these items must be removed immediately if they can not be verified. TransUnions failure to act not only violates federal law but also continues to damage my creditworthiness. 

I request that the following be addressed without further delay : Immediate Removal of Unauthorized Inquiries and Accounts : All unverifiable and unauthorized items should be promptly deleted from my credit report. 
Full Disclosure of the Verification Process : TransUnion must provide documentation showing how these items were verified, including the name, address, and contact information of the entities involved in the verification process, per 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Compensation for Damages : I am seeking compensation for the financial harm caused by TransUnions ongoing failure to comply with the law.

If TransUnion does not act immediately, I will pursue legal action and request further penalties for their negligent non-compliance, as allowed under 15 U.S.C. 1681n.

Thank you for your immediate attention to this matter. Please feel free to contact me if any further documentation or information is required. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax 's accuracy of my XX/XX/XXXX is off. I've made almost all payments on time over the course of my account history. I have been on time for all of XXXX, at least XXXX of XXXX, and also on time for all of XXXX. I was only late for the months of XXXX through XXXX of XXXX when i lost my job. Child support takes {$130.00} every week from my check. I've talked to child support and they say it's on Equifax 's end. I've disputed this multiple times now with Equifax and they haven't fixed it. This has been an ongoing issue for at least 3 years now
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is an authorized user on my XXXX XXXX card account in XX/XX/XXXX.  He signed up for XXXX XXXX to assist with damaging items on his credit report. XXXX XXXX was arrested on XX/XX/XXXX and was sentenced to one year in jail on XX/XX/XXXX. I requested to have my credit card removed from his account on XX/XX/XXXX since he will no longer be needing the services of an XXXX XXXX. I contacted XXXX XXXX explain to them the situation and they stated to me that I would need to provide power of attorney in order to have my credit card removed from his account and refund me XXXX for XX/XX/XXXX. XXXX XXXX sent the power of attorney to me which I provided to XXXX XXXX and they remove the credit card information from the account, but did not issue a refund. I am requesting for my money back because I clearly stated to XXXX XXXX that he was just an authorized user on my card I am the primary account holder I no longer want to be charged {$110.00} per month for an account. 
I called XXXX XXXX on XX/XX/XXXX regarding my refund and the customer service re tells the power of attorney is still is review ( since XX/XX/XXXX )  and I was need to call back again to find if i can get a refund even though an email was sent to XXXX XXXX 's account on XX/XX/XXXX removing my card ending in XXXX from his account XXXX.
Product: Credit reporting

I sent an id theft affidavit to Equifax to block XXXX items that were opened in my name by someone else. They sent back a notice that they would not block the item without a police report. This is a violation of my rights under the Fair Credit Reporting Act. When this act was amended in 2004, the credit bureau representatives who came to train on the differences clearly indicated that a police report was NOT mandatory. Indeed, they provide copies of an ID Theft Affidavit ( attached ) that could be used to identify the item. 
Section 605B clearly indicates that a copy of an identity theft report would be required but not that it must be a police report:605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
But like the credit bureaus have done with sending letters extending a mandatory 30 day time frame for investigating disputes ... changing the 7 year time frame for reporting Chapter XXXX bankruptcies after 40 years ... .and not allowing consumers to have their disputes removed ( who else but consumers would know they are no longer disputing ), the bureaus have simply changed the rules without changing the laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple written appeals to Experian regarding the fraudulent information being reported on my file. The last letter I sent to Experian was XX/XX/2022 with complete attachments of my personal information. This Complaint is being submitted through the CFPB to inform the Credit Bureaus that I am a victim of identity theft and the items I am disputing do not relate to any transaction that I have made or authorized neither did I received any benefits as a result of the theft of my Identity. This Complaint is to follow up my Previous Complaints last XX/XX/2022. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting agencies are required to remove any account and information which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below are the result of such crime and must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, Leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds transfer act ( EFTA ) and regulation E. These actions have caused significant financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I am a customer of Chase Bank and have been for many years. I have a checking and savings account and they hold my mortgage. Just recently they have started to charge me a monthly service fee of {$25.00}. I was told the only way to forgo this fee is if I agree to set up my mortgage payment as an automatic withdraw. I feel like this is the same as holding me XXXX. I pay my loan on time and I don't agree with setting up anything as automatic payments. I'm not sure if this is within their rights to force me to do automatic withdrawals. Thank you for your time.