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

I am filing a complaint against XXXX XXXX  XXXX for failing to disclose that my decision to enter a repayment agreement after forbearance would result in late payment reporting on my credit. My forbearance period lasted from XX/XX/XXXX to XX/XX/XXXX, and I was never informed of the credit reporting implications during multiple calls on XX/XX/XXXX and XXXX. Additionally, I was told an extension was unavailable, yet later XXXX 's records falsely stated I was offered XXXX contingent on providing a XXXX bid. 

This misleading information has caused financial harm, credit damage, and emotional distress. XXXX 's actions violate the Fair Credit Reporting Act ( FCRA ) by failing to provide timely disclosure, furnishing inaccurate information, and neglecting a reasonable investigation into my dispute.
Product: Credit reporting or other personal consumer reports

This company is impossible to reach. You are sent in a never ending AI bot loop on the phone that instructs you to go to the website, and then hangs up on you. The reason I am calling is because the website will not authenticate me, it tells me my information is wrong, it needs a human to fix it. This is with every number published for them. I have been trying for THREE DAYS to speak to a human to resolve this. This company has immense power over people, being one of the three major credit bureaus. The other two answer the phone and also have working websites. It is ludicrous that they can get away with having absolutely no way to resolve issues and in the meantime the consumer can not proceed with what may be a time critical application. If you go to XXXX, XXXX, or XXXX the issue- this is not just one person. It's universal and unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I purchased a truck was already preapproved but the car lot ran my credit 18 times
Product: Checking or savings account

Year to date I have had 42 Insufficient fund fees of XXXX dollars each totalling {$1400.00} and 3 returned item fees of XXXX dollars each totalling {$100.00} dollars in my Chase checking account. For a grand total of {$1500.00} dollars. They returned {$100.00} and promised 90 something dollars more. That's still more than {$1300.00} in fees this year alone. Last year I had 42 of these fees as well, for a total of {$1400.00} as well. The dates for this year with amount of fees are as follows. XXXX {$68.00}, XXXX {$34.00}, XXXX {$100.00}, XXXX {$34.00}, XXXX {$68.00}, XXXX {$34.00}, XXXX {$68.00}, XXXX {$34.00}, XXXX {$34.00} XXXX {$68.00}, XXXX {$34.00}, XXXX {$68.00}, XXXX {$34.00}, XXXX {$68.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$68.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$100.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$68.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$34.00}, XXXX {$34.00}, and XXXX {$68.00}. I can get last year 's dates as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an error ( XXXX XXXX ) on my credit report since XXXX. The other agencies have resolved it but Equifax refuses to nor will they provide me any documentation showing the debt is mine. I am trying to obtain a mortgage and now XXXX has changed the date to show the account was opened on XX/XX/XXXX. I have repeatedly filed disputes with Equifax since XXXX and I do not believe anyone is even investigating. Something since XXXX should be resolved by now. I can not believe they changed the date like that with NO proof or documentation? I am upset as this is affecting my interest rate over a debt that I do not owe. I do not want to to go through this for another 10 years.
Product: Debt collection

The disclosure was buried in the last sentence of the last paragraph in the correspondence they sent. Also, the correspondence they sent demanded payment before the XXXX timeline I had to respond to ask for validation of the alleged debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I 've just chosen the largest umbrella issue that I could find, but there are significantly larger issues. Since I 've submitted written inquiries on the web site ( with no replies ) and called multiple on the recorded line, there should be proof of what I 've received. The letter clearly states that I have 30 days for the dispute, yet I was nearly threatened by the rep that unless I pay the bill tomorrow by XXXX, this will stay on my report forever. During every single phone call I 've made, as soon as I 'd state my name, I 'd be transferred, transferred and then transferred again and this game would go for the minimum of XXXX minutes. After finally reaching the rep, I was told a large amount of information with little to none backing and when I requested it, I was told that it 's coming eventually, but that I have no choice and that even if I offer proof, it will not do anything unless I pay the next day until XXXX and otherwise it stays on my consumer record forever. Furthermore, after googling the firm and trying to find more information, I 've found multiple other occurrences with this firm and mistreatment and abuses especially since all the employes never disclose their full name for the recorded line. Some information can be found here : XXXX
Product: Mortgage

Bayview Loan Servicing is consistently sending me letters that I am default in my mortgage payments and sending me statements that do not show accurate payments to my loan account. I am continually getting letters indicating that they have representatives available to get me appropriate counseling for my financial troubles, which I've never had with my mortgage companies. Recently, I received two certified notices, one addressed to my beloved deceased mother titled " NOTICE OF DEFAULT AND INTENT TO ACCELERATE '' dated XX/XX/XXXX. The second notice was sent to me, see attached copies. Since XXXX, I have never defaulted on any payment for my mortgage and always paid on a timely basis. I have had to resort to sending my monthly payment by certified mail with the USPS so that these payments may be traceable. I have all the documentation necessary to bring a formal complaint against Bayview Loan Servicing. 
The unprofessional tactics have caused me much distress. I have on many occasions called their offices to resolve this ongoing harassment. I have even advised them that I would retain legal counsel if this unfair treatment did not stop. Therefore, I am appealing to your agency to investigate Bayview Loan Servicing for the complaint herewith formally submitted.
Product: Vehicle loan or lease

Ally financial continues to report to all of the credit bureaus false information.   XXXX   &  XXXX  REPORTED ME FOR  XX/XX/XXXX 30 DAYS LATE. I am not 30 DAYS late ... .even if I am 15 DAYS late ... .that still is NOT 30 days ... ..STOP REPORTING FALSE INFORMATION! THEY FIXED MY HUSBAND 'S INFORMATION. BUT THEY HAVE NOT FIXED MINE. WE EVEN GOT DEFERMENTS ON OUR ACCOUNT AND THEY MESSED THAT UP. I am asking that all of the late marks be removed that does n't show true 30 DAYS or over ... ..include all of the deferments also ... .even the one that they approved late to try and make our account late to get extra funds. By law they are NOT allow to do this ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I am told today speaking to XXXX XXXX of XXXX XXXX XXXX at XXXX XXXX and that he received my fax of the XXXX XXXX deed and XXXX  deed that I told him each appeared to be by XXXX XXXX and he agreed. Then I told him this is my loan and that I were conned by XXXX XXXX to move out around XX/XX/2008 and that one of his visits that he claim that he purchased the house for XXXX from XXXX XXXX he called the XXXX Police whom have since investigated and were produced an XXXX contract. 

I told him that XXXX is my XXXX loan and he said this is XXXX XXXX, I SAID I KNOW BUT XXXX XXXX SAYS HE BOUGHT THIS HOUSE FROM XXXX XXXX A LIE. 

Mr. XXXX was aware and I told him the one thing I have asked them for a XXXX times are the transaction and the title in which no one can produce including their attorney XXXX XXXX sent me by email that all the Judges prior decisions are the clear title. Mr. XXXX said that YES, XXXX XXXX has the clear title and we can't proceed on any transaction without clear title. I said well I been begging your clients to see the clear title and transaction and they all say that the XXXX deed is the clear title. You said the you don't agree with that and that you will mail me this evidence clear title and proof of the transaction before XX/XX/2008. I ask you could you also send copies of this to my complaints to the XXXX # XXXX and XXXX # XXXX AND YOU SAID THAT YOU WOULD.
Product: Credit reporting, credit repair services, or other personal consumer reports

The independent bankers bank is reporting on my credit without providing who they are. They take soft and hard inquires with the intent to reduce my credit report and supported by Equifax, XXXX, and XXXX to reduce my fico score without notice to who they are and what they are about. I have no clue who this is and how they feel they are involved in my credit report unless its fraud. I truly believe this is an act of fraud unsupported by Equifax XXXX and XXXX to drive fico down for credit companies.
Product: Credit reporting or other personal consumer reports

Dear CFPB I am writing to file a formal complaint against CURRENT concerning an issue that has had a significant adverse impact on my credit score. I am seeking the CFPB 's assistance in rectifying this matter. 

On XX/XX/23, I discovered that CURRENT had reported a credit card account on my credit profile, which was, in fact, a debit card account. This erroneous reporting displayed a {$0.00} balance and an associated credit limit, despite this not being a credit card account. This inaccurate reporting has led to a decline in my credit score by over 107 points.

I have made multiple attempts to resolve this issue with CURRENT by contacting their customer service. However, they have been unresponsive or unable to correct this error. 

Attached, please find my credit report from XXXX XXXX AND XXXX showing the inaccurately reported credit card account. 

I kindly request that the CFPB investigates this matter and intervenes to have the inaccurate credit card entry removed from my credit reports. This error is causing financial hardship and hindering my ability to access financial products and services. 

Thank you for your attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or XXXX if you require further information. 

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

In accordance with the Fair Reporting Act, this creditor XXXX, and Equifax has violated my rights Under 15 UCC 1681 section 602 states that I have the right to privacy. 15 USC 1681-section 604a- section 2 states that a consumer reporting agency can not furnish an account without my written instructions. under 15 USC-1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I Am Filing A Complaint Against Cashapp ( Block Inc ) Due To Inadequate customer service and unfair practices, which violate the consumer financial protection act. Cash App Failed To take timely & Effective Measures to prevent fraud on their major platform, Leaving My Acvount vulnerableAnd Unprotected. Their Despute Process Was Unfair As They Did not comply With error resolution requirements under the electronic fund transfer aact ( EFTA ) And regulation E. these actions have caused significant inconvenience and financial loss. So i seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to contact XXXX XXXX about a fraudulent card on my credit report. I have also contacted the credit reporting agencies to have this information removed.
They have refused to remove this information and are unable to provide a signature for the card or term acceptance. I have explained through multiple letters that I have been a victim of Identity theft by a family member and have even went to court and proved this with another credit card ( XXXX XXXX ).
I have filed claims and filled out paperwork pertaining to this and sent to their office detailing the events of a family member opening an account. Attached you will find court documentation where I was able to get a complaint dismissed for another credit card.
This account is not mine and I want it removed from my credit report immediately. Again the reporting agencies have not been helpful and have not been able to prove the debt. In fact they are in direct violation of the FCRA and Fair Debt Collections Act.
The proof for which they are utilizing does not meet the standards. They do not have a signature or ID from me and are solely basing the account on the fact it was mailed to my address which does not meet federal standards.
I want this removed immediately and I want the CFPB to make the reporting companies to validate all debt, respond to complaints accordingly and adhere to all applicable laws and regulations as it pertains to substantiating such a debt. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today it's over 30 days since Ive sent disputes dated XX/XX/2020 but there's still no reply. But I haven't received any reply. I was a victim of Equifax Data Breach. I demand to delete those inaccurate and unknown accounts or I will file litigation.
Product: Credit card or prepaid card

I requested a credit limit increase and, without my knowledge, pulled a hard credit check which affected my credit score. Totally unprofessional and illegal. 


Congratulations! We are pleased to approve your request for a higher credit limit on your account. Your new credit limit is {$28000.00} and is already available for your use. 

If you have any further questions about your account, please call us at XXXX or visit Citi Online. 

We value you as a customer and appreciate the opportunity to serve your financial needs. 

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

these are clear violation my consumer right under U.S Code 1681a 15 U.S 1681 a1 and also 15 U.S CODE s1666B please reverse THESE LATE PAYMENT FROM MY REPORT
Product: Credit card or prepaid card

I have called Capital One multiple times regarding crediting the interest charges for three months due to impacting by recent hurricane Irma in Florida for all three of my accounts and they only gave me one interest charge back when I requesting for three months of interest to be refunded. Also I noticed they reported my accounts to the credit reporting agencies eventhough I was supposed to be on a natural disaster relief program and I was told I wasnt supposed to be reported to the credit bureaus for being late.
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 XXXX. 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 those account 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 XXXX 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

Best buy/Citi bank illegally retaliated by closing my account the day after I submitted my fist ever complaint about them. Leaving me with an incorrect credit balance to be reported next month.Please see attached proof. They are still in the middle of two investigations which will bring my account down from XXXXXXXX XXXX to less than XXXX. In efforts to avoid giving me back my money THAT EVEN THE COMPANIES AGREED IS DUE TO ME ( see my last compliant Citi with the CFPb and the documents below ) they instead quickly closed my card during a random " credit check '' that's not even updated and the reason being " I have to many cards '' and " My balance is too high '' though I have XXXX negitives when this is my only credit card without a XXXX due to the dispute if they would had took the time to ASK and know XXXX is on an internal hold DUE TO FRAUD intil i turn in my ID and social and POA they dont update anythingor let accounts open the dates on that report are OLD. Please see attached balances on my other accounts attached. This us 100 % fear based illegal practices. Either you guys CALL or email me and tell me why my last dispute or information below wasn't enough to close the disputes in my favor AND explain to me even if you are closing my account why the Fraud portion isn't even subtracted AND advise me on how I pay my balance off and have used this card for YEARS now the first time tou need to help me I have a random credit check. I'll get a lawyer if needed that's 0 issue. 

Cards showing balances : XXXXXXXX XXXX XXXX as of XXXX XXXX XXXX XXXX as of XX/XX/year>XXXX XXXX XXXX XXXX they actually owe me for over payment as of XX/XX/scrub>XXXX XXXX XXXX XXXX both XXXX ) XXXX!
Product: Debt collection

Portfolio Recovery Associates, a debt buyer, is reporting an unpaid collection account on my credit for {$830.00}. I've never received anything in writing from this creditor about this alleged debt ; therefore never receiving notification of my right to dispute the debt or request information regarding the original creditor as required under the Fair Debt Collection Practices Act. They have simply attempted to contact me by phone. 

During the initial communication, which was by phone, I also requested that validation regarding the debt be sent to my home address so that I could research the alleged claim. Again, they failed to send the validation as required and I still have yet to receive anything in writing regarding the alleged debt ; much less any documentation reflecting the original creditor or substantiating the balance claimed. 

However, they have now reported the supposed debt to the credit reporting agencies as of XX/XX/2021. I feel this in violation of the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act, and that they have violated the Texas Finance Code 392.202 in that I have clearly verbally disputed the debt yet have never received the required written dispute response letters required under that statute.
Product: Mortgage

I received a Delinquent Tax letter from my county for {$6600.00} which includes Penalties and Interest. My current escrow balance is {$11000.00}. My mortgage company did not pay my real estate taxes.
Product: Mortgage

In XX/XX/XXXX I requested for my Mortgage Insurance to be drop as well as to remove my escrow. I paid down my mortgage to where I have more than 20 % equity from my original purchase date. An Appraisal was done and the value also confirmed much higher equity in the property. In XX/XX/XXXX I followed up due to the fact I was told it would take 60 days. I was told that by my XX/XX/XXXX payment it would be taken care of. On XX/XX/XXXX I called no one would pick up. The same is to be said for XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I wrote to them again via their online portal following up on my request. I am yet to get a response or any sort of action on my mortgage.
Product: Credit reporting or other personal consumer reports

XXXX  reporting of XXXX  days late payment is still not correct per previously reported on CFPB report # XXXX. XXXX  claim that they researched and updated my account is incorrect ; My credit report still shows XXXX days late for the XXXX XXXX mortgage account.
Product: Checking or savings account

the bank put a hold on my account in  XXXX   2016  and holding {$890.00} funds in the account since then. they will not give me any valid reason or provide me any assistance. they did not tell me how long they going to hold the funds or when they going to release the funds. I tried calling them several times during la st one year, they always make some excuses and will not let me talk with a supervisor either. after on e year, I am out of my funds with no positive response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$1400.00} ; XXXX  XXXX Balance : {$37.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$590.00}
Product: Credit reporting or other personal consumer reports

I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX and Account name : XXXX XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.