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

My account with this XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company 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 LATE 30 DAYS 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. 

This company 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: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report TRANSUNION Dear Sir/Madam , After TRANSUNION completes its investigation into the account related to the letter sent on XX/XX/XXXX, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Credit card or prepaid card

Money taken from my account multiple cards on my account that were not authorized by me I open reopened my transactions up for 2 years and they still just keep telling me the same thing for 2 years pending pending pending and they gave me money back on to my account for no reason then give me no reason why but won't look at my claims or honor my claims I reached out to them many times I sent them documentation they still continue to not want to extend the hand back and the lawsuit that they were just in that sounds a lot of familiar with mine they just gave me back XXXX in {$1.00} Bank of America Miss interpreting fees and they took out of my account and they didn't start giving me anything back until I opened up my claim again but they don't want to look at my claim and they want to honor my claim and they've been taking money from me from day one I don't know but somebody there's leaking information or giving people 's information away because I don't know where these cars came from and they will use on my account and towards my name and my account and I needed that money when I have had any independent I'm a single mom I have XXXX XXXX they don't care about any of that and I filed so many hardships and complaints it's not even funny well over a XXXX still no outcome or no nothing I don't think making America should be getting away with taking people 's money because they're still doing it they've been doing that to me and then putting mysterious money on there and not telling you reason why and all of them just keep telling me misleading information and I feel like I need an attorney this is not right what they do to hardworking people holding their money keep they never let you get the money when you have anything you always put a hold on you then they take out all these extra fees for what and they don't stop the bad people that are compromise your account
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX . XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX . XXXX, XXXX, FL XXXX
Product: Debt collection

Sent notarized debt validation letter on XX/XX/XXXX, Via Certified Mail Requesting -The amount the respondent claims is owed -An explanation showing how the amount was computed -Copies of any documents with proof I agreed to pay the alleged amount -The identity of the original creditor -Confirmation that the account has not crossed the statute of limitation ( SOL ) period -Evidence that they are a licensed and registered debt collector -Evidence of license numbers and registered agent Included in the letter was notice it had 10 days to Respond from receipt date of the notice and if not then account must be deleted completely from report ( s ) ( XXXX, XXXX, XXXX, XXXX XXXX it is now XX/XX/XXXX and they have fallen outside of allotted time frame to Perform per notice and my report ( s ) ( XXXX, XXXX, XXXX, XXXX XXXX still reflect the negative and damaging reporting. No attempt has been made to correct the errors or provide the requested information, nor request for additional time to do so. Note that respondent has also been contacted multiple times. I also note the company is not licensed or registered in my state nor has provided proof of such information as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Discover Student Loan ( Loan # XXXX ) is not being reported as a Student Loan. It is reporting as an Other Loan and needs to be reported as Education Loan 12 to the credit bureaus.
Product: Credit card

On XX/XX/2024 I received an email stating there are changes to my credit card agreement which would go into effect on XX/XX/2024. 

The summary stated that interest would be accrued and compounded differently. The email reads as follows : How We Calculate Your Interest Charges We use the daily balance method ( including new transactions ). We calculate the interest charges separately for each balance on your account subject to different terms ( for example, regular Purchases, regular Balance Transfers and Convenience Checks, regular Cash Advances, and each promotional balance ). We calculate daily interest on those balances by multiplying them by their DPRs. We do this each day of the billing cycle, and we sum the daily interest amounts to find the total monthly interest charge. Due to rounding, this calculation may vary slightly from the interest charged to your account.

For each balance, we calculate a daily balance by doing the following : Take the beginning balance that day ( the beginning balance for the first day of the billing cycle is the balance on the last day of the previous billing cycle ) ; Add any interest charge accrued on the previous days daily balance ( this is known as compounding interest ) ; Add any new transactions and fees as of the later of the transaction date or first day of the billing cycle in which the transaction or fee posts ; Subtract any new payments and credits applied to the balance ; and Make additional adjustments, as appropriate ( for example, adjustments for billing disputes ). 
If a daily balance is less than XXXX, we treat that daily balance as XXXX. 

Your Annual Percentage Rate ( APR ) for each balance on your account ( i.e., regular Purchases, regular Balance Transfers and Convenience Checks, and regular Cash Advances ) will not change, but their associated periodic rates will change to daily periodic rates ( DPRs ). Your DPR for each balance on your account is equal to the balances APR divided by XXXX. The APR for each balance on your account can be found on your periodic statement in the Interest Charge Calculation section. Below are examples of DPRs, based on a balances APR.

APR DPR ( APR divided by 365 ) 11.99 % 0.032849 % 15.90 % 0.043561 % 18.00 % 0.049315 % Paying Interest. We added a Paying Interest section to further explain when we start charging interest under the daily balance method as follows : Paying Interest Interest accrues daily and compounds daily on new transactions and unpaid balances from prior billing cycles. We start charging interest on all transactions, including fees, on the later of the date of the transaction or first day of the billing cycle in which the transaction posts. For Convenience Checks, the date of the transaction is the date the check posts to your Navy Federal Credit Card account. If you pay the New Balance that appears on your billing statement by the payment due date, you will not pay interest on Purchases. However, you can not avoid paying interest on Balance Transfers, Cash Advances, and Convenience Checks. Your due date is at least 25 days after the close of each billing cycle.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees on all my accounts that I incurred. Despite having the sufficient funds when the transactions were authorized, I was charged fees due to the lagging of posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my accounts transactions.
Product: Vehicle loan or lease

My former Lender " TexCap Financial '' sold my account to " XXXX XXXX ''. They sent me a packet to switch over the lien holder to XXXX XXXX and that i would be making my car payments to them because they now have my account. 

I have been receiving countless phone calls saying that I am almost a year behind on my payments to TexCap Financial. I explained to the customer service rep that XXXX has my account and I have not received anything saying that the account was switched back to TexCap.

TexCap is saying that they have escalated my account for repossession unless i pay the past due amount.
Product: Checking or savings account

Hi, Ive had several accounts opened in my name under my email and home address. 
Ive called XXXX  times to close accounts. Every time i called it was made sure it was closed. This last one was totally wrong since i am receiving a state from BOA. I will be looking for ways to be compensated for negligence by BOA. 

If there was ever a thought to use this bank its totally gone now. Worse experience ever.
Product: Checking or savings account

After being issued a new debit card due to repeated chip and XXXX errors, with the same account number, a merchant issued a {$4100.00} refund but capital one rejected the refund due to the expiration date not matching. This is not standard banking practice. The merchant is not unable to issue a refund because on their end the credit has been processed. Capital one 's only solution is to issue a dispute for a transaction they refused, this causes damage between myself and the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to properly verify the account in dispute and have sent a stall letter. My dispute letter wasnt sent from a third party I attached my licensed and proof of address. They are prolonging my 30days investigation by sending them letter instead of properly validating or removing the account on my file.
Product: Debt collection

Call received : XX/XX/XXXX, XXXX XXXX  - Text from : XXXX XX/XX/XXXX XXXX XXXX  - Text from : XXXX XX/XX/XXXX XXXX XXXX  - Text from : XXXX Dates and Times of Calls/Texts : XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  Length of Call : N/A What is the number they called/Texted? _Already reported Was the number on the XXXX XXXX XXXX XXXX? Yes If so, when was it placed on the list? XX/XX/XXXX Robocal/Robotext? Yes, ( 3 )  Robotexts WAS THIS CREDIT/BILLING RELATED? YES ( Entitled to an extra {$1000.00} per text/call ) Autodialer? Yes Name of company : MRS ASSOC. aka MRS   BPO  , LLC. 

Is the company representing someone? Yes If yes, Who? XXXX XXXX Website Given? No, website located through research If yes, what is the website? https : //www.mrsbpo.com/index.php Number given on website? YES If yes, what is the number? XXXX Verified? YES Friday XX/XX/XXXX, XXXX Email? NO, RESEARCHED TO FIND ON WEBSITE If so, what is the email? MRSCustomerService@mrsassociates.com Name of Operator/Sales Person/Supervisor : Initially on first/text call, What was said : Please Contact MRS Assoc. regarding a XXXX XXXX matter at XXXX XXXX XXXX XXXX. This is an attempt to collect a debt and any information will be used for that purpose. MRS is a debt collector.
Product: Mortgage

For over six ( 6 ) months, my husband and I have attempted to remove private mortgage insurance ( PMI ) from our home loan. As a middle-class family, we make every effort to reduce expenses so that we can save for retirement, pay medical bills, enjoy a modest lifestyle, etc. Due to the increase in our home value and because we made improvements to the home during our four ( 4 ) years living here, we contacted Wells Fargo for assistance removing the PMI. Wells Fargo informed us that we would have to have the property re-appraised. Wells Fargo mandated we engage XXXX to complete the appraisal, despite XXXX costing nearly {$300.00} more than ( the current rate ) the company that conducted the appraisal when we purchased the property quoted us ; Wells Fargo rejected our request to use a lower-cost appraiser. It appears XXXX outsourced the appraisal to The XXXX XXXX XXXX, located in XXXX, Texas. Although acknowledging we made over {$20000.00} worth of improvements to the property - including, but not limited to, installing guttering, French drains, stone pathways, and a built-in closet, remodeling 3 rooms, etc. - since we purchased it, the appraiser did not agree that those improvements increased the value of the property. We disputed this claim through Wells Fargo, but the appraiser did not change its position. The property was appraised at the appropriate value, however, due to the appraisers position on the improvements, we are currently unable to drop PMI. My husband and I believe the standard by which the appraiser is measuring the benefit of the improvements is unrealistic, especially considering properties in the neighborhood are completely renovated and " flipped ''. We would like the PMI removed.
Product: Mortgage

I have tried multiple complains and phone calls to your office regarding this issue and I was not able to solve the problem. Ocwen mortgage services keeping misplacing funds in my account and not applying the correct amount of funds as described in the modification contract. Currently the amount of {$1900.00} were not misapplied in the account from a suspense account and Ocwen will not apply these funds to the escrow account as requested. The account was modified on   XX/XX/XXXX    . At the time the account was modified, there were funds in the suspense account was {$1900.00} and I had a positive escrow balance in the amount of {$3300.00}. the modification contract had Deferred Principal adjustment  (  {$86000.00}  ) . in the account payment history, Ocwen applied the additional principal balance funds of {$1900.00} and only applied an additional  Deferred Balance Adjustment  of {$84000.00}, a smaller amount compared to the described in the modification contract as a deferred principal amount. I have previously requested several time in writing and over the phone clarification to the application of these funds but have being denied.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Fraudulent Debt Not Belonging to Me on My TransUnion Credit Report To Whom It XXXX Concern, I am writing to dispute the inaccurate reporting of a debt that has appeared on my TransUnion credit report, which does not belong to me. I have never opened an account with the creditor in question, and I believe this erroneous entry is a result of identity theft, potentially linked to the recent national data breach that exposed the sensitive personal information of millions of consumers. 

Details of the Disputed Debt : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I am formally disputing this account. The FCRA mandates that TransUnion investigate disputed information within 30 days of receiving a dispute request and either correct or delete any inaccurate or unverifiable information from my credit file.

The FCRA also grants me the right to request the removal of information resulting from identity theft. Given the widespread issues linked to the national data breach, it is clear that this debt has been fraudulently placed on my credit report due to unauthorized use of my personal information. Therefore, I am requesting the immediate removal of this debt from my credit report.

Requested Actions : Immediate Investigation : Please investigate the fraudulent debt and verify its accuracy.

Deletion of Fraudulent Account : As this debt does not belong to me and was fraudulently placed, I demand its immediate removal from my TransUnion credit report.

Please take prompt action to investigate and remove this erroneous debt, which is causing undue harm to my credit score and financial standing. I look forward to a swift resolution and the correction of my credit report.

Thank you for your attention to this urgent matter. 

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

In XX/XX/XXXX I asked for my credit report and they keep changing the dates on trans union has me for XXXX XXXX XXXX balance XXXX dollars XX/XX/XXXX as this is over 7 years old or older. I dont know how something can keep showing up over and over with different dates. XXXX has me down for Social Security has me down date is XX/XX/XXXX of XX/XX/XXXX. XXXX XX/XX/XXXX should be removed an the date has been over 7 years.
Product: Credit reporting or other personal consumer reports

There is incorrect information on my report that needs to be removed. My Name is XXXX XXXX all other names need to be removed. My Current Address in which I receive XXXX Mail, is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. All other addresses are inaccurate information and needs to be removed.
Product: Consumer Loan

i purchased a vehicle from XXXX XXXX. In the first retail purchase agreement I was charged XXXX price, but I later signed another XXXX because I removed the extended warrenty. I was told that my payments were going to be reduced and signed that new agreement, yet the loan company has no record of the new agreement
Product: Checking or savings account

I have no clue where The charge came from. Upon further investigation that I did myself The bank told me that the charge was made in XXXX  which is on the other side of the United States from where I was at and reside when the charger was made ( I live in XXXX ) I filed a dispute with my bank and they told me that they were denying my claim due to the fact that I had possession of my debit card and I memorized my pin. When I looked into this matter further the bank told me that the card was not swiped it's not swiped but it was a charge that was taken over the Internet for the Internet and that the pin was not entered or even used during this transaction because it was an online matter so there grounds that they are denying my claim upon are not even relevant. A few days prior to this happening I had lost my wallet in a XXXX XXXX XXXX but it was returned to me so there was a period of time when I did not have possession of my my debit card and I notified my bank of this during theDispute