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

My account with AMEX was never late! I have had exceptional payment history with AMEX 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 XX/XX/XXXX to XX/XX/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.

AMEX 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

To who can help : I have been filing this complaint for this company for months and keep getting a response that is is not looking at my issues with Shellpoint. They are not a company that fact are part of the picture. I have shown that the payments have been made and in the 30 day time frame but late charges are always applied. Even when I send as certified mail ( see enclosed receipt ) to be able to track and show it is on time the fees are still charged. They have collected additional fee for services that have not be authorized. They have charged and collected fees that the original lend stated would be placed at the end of the loan. 
This company is not one that I would do business with but has made it impossible to eliminate, for they are miss reporting to the credit bureau. I need this information removed and corrected to all three agencies. 
Please help me with this issues in writing only XXXX XXXX  XXXX XXXX. XXXX  XXXX, Ok XXXX. I do not take unknown calls. I want this fixed and back on some track of resolved.
Product: Mortgage

I spoke with someone at rocket mortgage and I specifically asked estimate he then tells me he needs to run my credit but will not impact my score he then guarantee me he'll get me loan then after he runs my credit denied me cause I receive XXXX income. Now my score dropped XXXX points cause of this and I been fixing my credit. He said my income wasn't good enough
Product: Credit reporting or other personal consumer reports

My Title company and myself attempted to gather final payoffs for both Primary and secondary loans with Planet Home Lending to no avail. The house sale was pushed back a far as possible ( over 23 days ), while I spoke with multiple individuals and all of them provided me the wrong information to request for this information, or we were ignored via fax. The delay was weeks long, as each time my request was submitted, I had to wait 1-2 days only to find out my request was not completed per their policy. All the long they were still holding me accountable for their lack of proper training and information not being accurate. I should have one 30 day late, that was from my spouse leaving and I found out she was not paying, I double up on the payments to and was to recoup the funds once the house was sold. One Customer service rep stated, it looks like someone is trying to steal the my house, pure non-sense. This is no way to treat a Veteran. Please remove the ( 2 ) 30 day late payments and the bogus owed balance, as it was their own delays due to improper training and inconsistent information being passed.
Product: Credit reporting or other personal consumer reports

I have had a credit card with my XXXX XXXX for almost 12 years. 
In XX/XX/year> I discovered that Experian is not reporting the credit card on my credit report. 
The information is correct on XXXX and XXXX. 
As this is my only line of credit, since I do not have a credit score with Experian I also do not have a FICO score and can not apply for loans. 
I have been calling Experian at least once a month since XX/XX/year> and have received no resolution. I have filed multiple disputes and internal cases. The most action they continue to take is sending me a new credit report, which remains inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Updating Personal info Certified Mail Receipt # XXXX Dear Experian, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to 30 days to meet my requirements if I do not receive any updates from you during, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 
Please delete the following inaccurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete the following inaccurate addresses : 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 Please delete the following inaccurate XXXX XXXX : XXXXXXXX XXXX Please delete the following inaccurate employers XXXX XXXX XXXX  By reporting these inaccuracies, you are in violation of 15 USC 1681B ( A ) ( 2 ) ; for a consumer reporting agency may furniture consumer report under the following circumstance and no other ; In accordance with the written instructions to the consumer to whom it relates. Experian has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instruction to do so. These actions have caused my family and I a great deal of injury. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you're recording under FACTA Title 1 sec. 151.

I have enclosed copies of my state issued identification and a bank state to validate my identity. 

Regards, XXXX XXXX XXXX XXXX XXXX  ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. I need the following inquiries to be deleted as soon as possible 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX indicates he has a file on his desk about me, has left messages threatened to file adverse action against me. I have no knowledge or received documentation regarding " the file '' XXXX XXXX represents Sage Capital Recovery XXXX Ext XXXX He contacted me several times this week at work. 
Today XX/XX/19 I called him back, asked him to refrain from calling or leaving messages at my work place. I stated my name and repeated twice to stop calling my workplace.
Product: Checking or savings account

My BofA checking account statement ending  XXXX / XXXX /  XXXX   had a {$14.00} service fee. Because I have over {$5000.00} in an IRA with the bank, my fees are supposed to be waived, and had been in the past.     I called and talked to  XXXX  at  BofA  on  XXXX / XXXX /  XXXX  . She agreed I should not be charged and credited my account {$14.00} which was deposited that day. I clearly stated that besides the refund, I wanted the root cause of the problem taken care of so I would not have to waste my time again in the future.     The cause was not found and fixed because on my next bill ending  XXXX / XXXX /  XXXX  , I was charged another {$14.00}.     I want Bank of America to conduc t RCCA (  Root Cause Corrective Action ) to address this problem once and for all. I would be surprised if this problem has not effected other account holders.
Product: Mortgage

This complaint is to inform the CFPB that Wells Fargo lied in a email inquiry sent from the U.S Treasury. The following is a copy of the email inquiry which Wells Fargo confirmed the complaint was Valid & Accurate. Wells Fargo also Accepts responsibility and admits liability. Wells Fargo also offers 2 resolutions to resolve the complaint in response to the Treasury 's question of " provide recommendation for resolution '' Neither of which Wells Fargo pursued. instead the foreclosed on my home. 
I ALSO HAVE & OTHER EMAILS FROM WELLS FARGO YOU WOULD LOVE TO SEE " Associated Risk : ( Provide facts and/or customer statements regarding their situation that may pose a risk to Wells Fargo. ) We quoted terms at the time of the TPP approval on XX/XX/XXXX. Indicated these would be the terms of their modification. When the permanent HAMP Mod was approved the terms were drastically different due to the investor restrictions and length of time it took between the TPP and Perm Mod. 

Timeline Highlights : ( Most important, relevant events from timeline which are essential to resolution and response. Use Timeline on page 5. ) Approved HAMP TPP on XX/XX/XXXX Quoted terms to customer. Indicated terms were set Title issues completed XX/XX/XXXX Approved HAMP Mod on XX/XX/XXXX Drastically different terms than previously quoted Recommendation : ( Provide your recommendation for resolution, including but not limited to SPOC engagement and decision review ).

Buy down principal Repurchase the loan so we can approve a mod with similar or better terms than quoted. 
Already assigned OOP SPOC '' Also please take notice of the following which CONTRADICTS Wells Fargo response to the US Treasury DOCUMENT 70 from the  below case. 
Federal case number Case 6:16-cv-01919-CEM-GJK DEFENDANT WELLS FARGO BANK, N.A.S MOTION FOR SUMMARY JUDGMENT AND INCORPORATED MEMORANDUM OF LAW iii. Count V Fails To State a Claim For Negligent Mortgage Servicing " Even if Plaintiff could establish a legal duty, which Wells Fargo denies, the undisputed evidence is clear that Wells Fargo properly handled his Fourth and Sixth Modification Applications. Specifically, Plaintiff contends that Wells Fargo offered Plaintiff three different and contradictory loan modifications : ( 1 ) an Original HAMP Modification ( see Sec. Am. Complaint at 30 ) ; ( 2 ) an Oral Modification ( see Sec. Am. Compl. at 31 ) ; and ( 3 ) a Non-GSE HAMP Modification ( see Sec. Am. Compl. at 39 ). As was made clear during his deposition, Wells Fargo offered only one loan modification to Plaintiff the Non-GSE HAMP Modification.
Product: Credit card

I received an offer from Delta XXXX for a Delta SkyMiles American Express credit card. The email stated : " The time has come to plan your next big adventure. Apply now and you can earn XXXX bonus miles after you make {$1000.00} in purchases on your new Card within your first 3 months '' I signed up for the card, and spent {$1300.00} in the first three months ( see attached credit card statement ). However, after several months, I realized that I had not been credited these points. I called Delta to explain that I had received an email stating the offer, and they forwarded me to American Express. American Express then informed me that they had changed the offer to {$2000.00} in the first three months, unbeknownst to me, and that since I had spent only {$1300.00} I was not eligible for any points. They asked me to FAX in the original email I received and they assured me that they would follow up. I never received a follow up. 
So I called again in a couple weeks and went through the same explanation, which took about XXXX2 hours of my time. The supervisor assured me they would follow up. Nothing. They also gave me an email account with which to send my original email offer. I never heard back but did receive notification that the email went through. 
I followed up again in a few weeks and spoke to another supervisor, who informed me that the marketing department rejected my request for the XXXX points that I had been promised in the original email, still stating that the offer was for {$2000.00} in spend in the first three months ( despite the offer in the email - I have attached to this complaint ). 
I cancelled the credit card out of frustration. 
Please help me do whatever I can to rectify this situation regarding the fraudulent and misleading email I received. 

This has resulted in a loss of {$500.00} worth of airline miles to me directly, in addition to 5 hours of time.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this CFPB complaint to you today to inform the Credit Reporting Agencies that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$750.00} XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX CNAC ran my credit with my verbal consent. They did not have the product I wanted so I told called to change my mind about furthering the application process. 

On XX/XX/XXXX CNAC ran my credit again without my verbal or written consent. I called XX/XX/XXXX and was told I would get a phone call relaying the solution to me. I did not receive a call that day nor until XXXX on the next day. I called again and was told my the CNAC employee she would personally email me when the solution is put in place. I do not trust them whatsoever as I did not give any other information or idea that I was going to purchase.
Product: Mortgage

QuickenLoans called me about a refinance offer to reduce intetest rate. So i listened and i was a little interested so i started process. It got kinda of confusing with all the different people that called me through the process. When it started they told me that i would need {$500.00} at closing. Then i got a call and they told me i would i need a {$1000.00} at closing. I said whoa wait a minute, i was told {$500.00} and now you tell me a {$1000.00}. So i told them i didnt want to complete the closing. I was told at very begining that anytime before closing, i could change my mind and not close. So i get another call from quicken stating that the {$1000.00} was a mistake and i may only have to come up with {$50.00} so i said well that sounds a lot better. I get another call stating it would be {$300.00}. So i said well i could maybe scrape up that. So i was told to go on website and choose a closing date. They only gave two options which was right before Christmas and between paydays. So i left them a message stating that i could close on XX/XX/XXXX if i dont have to have money at closing, they flat out told me NO so i said ok im done. I do not want to do this refinance. Since then i have got like 10 phone calls in about 2 days. I messaged them and said im done, dont call me anymore. They just keep calling and i have been ignoring the calls but they wont stop!
Product: Checking or savings account

My cash app account was closed due to violation of terms and agreements, but they couldnt explain to me what I violated and said that their decision was final.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, TransUnion credit reporting agency reported degraded credit scoring information : Unpaid collections Too many inquiries Also, the reported response was sent to my home ; however, the person directed to has a different last name : ( XXXX ) not ( XXXX ). Please required TransUnion remove this degraded information and my address from the account associated with XXXX XXXX, since my name is XXXX XXXX. 

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

I ordered an updated credit report when I was denied a loan. When I received it, I noticed personal information and questions that were unrelated to me. I've lost my SS and Birth Certificates ; I'm assuming someone is using my identity. In addition, incorrect personal information and fraudulent inquiries were made : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ; Inquires : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have applied for a school misconduct and sent all of the necessary information. I 100 % qualify for the discharge however I have been denied and Navient will not provide a reason why. 
I was already approved for the borrowers defense since I went to a school involved in misconduct. I have paid back more than I borrowed and still owe more than I borrowed. There is no reason what so ever that I should not be approved for the school misconduct discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiry on my credit report. Please remove the following inquiries as these are suspicious to me : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX
Product: Credit card

Wells Fargo is refusing to cover XXXX $ in fraudulent XXXX purchases on my credit card. 
I did not purchase or receive the XXXX. These purchases occurred in XX/XX/2023 without my knowledge and I reported them to Wells Fargo within days. I filed a police report. Wells Fargo has refused my fraud claim and refused my dispute. Their investigation did not involve reaching out to me They stated in their written refusal that the charges appear valid. No other explanation. They did not send me information from their investigation and they never attempted to contact me. 
Wells Fargo is illegally refusing to cover their responsibility for credit card fraud and I would very much appreciate any assistance that CFPB could provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX {$0.00} XXXX XXXX {$0.00} 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 CHAPTERXXXXBANKRUPTCYDISMISSED XXXXXXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXXXXXX CHAPTERXXXXBANKRUPTCYDISMISSED XXXXXXXX
Product: Checking or savings account

I am a victim of identity fraud, and I believe someone is trying to use my credit to gain illegally credibility. I've made the credit reporting agency aware of this, so they informed me that I should call the hard inquiries phone number that is display onto my credit file, that doesn't belong to me. They also sent out notification to all the hard inquiries that isn't mine three months straight to no avail. So I got on the phone and called Bank Of America and was held up on the phone for two hours, shuffled around to five different departments and still didn't get anywhere. I was told there was nothing they could do about it, and that it wasn't their problem. I did not request products or services from Bank Of America. This inquiry need to come off my credit file from Bank Of America.