23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My credit card company, American Express, has reported inaccurate information about my account status on my credit report with Equifax and other credit reporting agencies. In addition, American Express deceived and misled me into believing that my credit card account was current when it was in fact not current. American Express has reported that my credit card account was 30 days past due in XXXX 2016 and 60 days past due in XXXX 2016. That information is wrong and inaccurate based on my billing statements. For that period, I paid the minimum amounts due by each due date, as indicated on my billing statements. 
On my XXXX XXXX, 2016 billing statement, it stated that the minimum payment of {$170.00} was due by XXXX XXXX. Through an electronic withdraw from my checking account, I paid that {$170.00} amount on XXXX XXXX ( before the deadline ). 
On my next billing statement dated XXXX XXXX, 2016, it stated that the minimum payment of {$50.00} was due by XXXX XXXX. Through an electronic withdraw from my checking account, I paid that {$50.00} amount on XXXX XXXX ( before the deadline ). 
On my next billing statement dated XXXX XXXX, 2016, it stated that the minimum payment of {$190.00} was due by XXXX XXXX. Through electronic withdraws from my checking account, I paid that {$190.00} amount in XXXX installments on XXXX XXXX, XXXX XXXX, and XXXX XXXX - all before the deadline of XXXX XXXX. 
My XXXX XXXX billing statement is the FIRST time that American Express informed me that my prior payment of {$170.00} ( for the XXXX XXXX billing statement ) was not paid by my checking account bank. Indeed, as stated earlier, as of my XXXX XXXX statement, the only amount that American Express told me that I owed was {$50.00}, which I paid on time. American Express did NOT inform me on the XXXX XXXX statement that my payment of {$170.00} for the prior billing period was not paid by my bank. Thus, at the time I received my XXXX XXXX billing statement, I reasonably believed that my account status was current because that is what my statement expressly stated. Once I received my XXXX XXXX billing statement, I realized that my {$170.00} payment was returned, and then I paid the amount owed ( {$190.00} ) BEFORE the due date listed on that statement. 
I spoke to a supervisor at American Express on Monday, XXXX XXXX, 2016, and she refused to correct the inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is completely ignoring the fact that these accounts were the result of identity theft and according to 15 U.S. Code 1681c2 - Block of information resulting from identity theft part ( a ) the company has failed to block these items resulting from the identity theft after notifying them of the fraud. They were provided with police reports and FTC reports, as well as a notarized identity theft affidavit. I have uploaded proof and documents of every document for the CFPB and Experian. 

The fraudulent accounts are : XXXX XXXX  XXXX and XXXX XXXX XXXX.
Product: Mortgage

This is a complaint about Ocwen Loan Servicing. I started the process of loan modification XX/XX/XXXX. The process was finalized XX/XX/XXXX. This is 4 months later than when they told me it would be finalized. During the process I made every monthly payment agreed upon. In XXXX I received a statement stating my next payment was due XX/XX/XXXX. I called to verify this date. I was assured everything was set. I made on time payments XXXX, XXXX, and XX/XX/XXXX. Two weeks after my due date in XXXX I received a call saying I was a month behind. This made no sense since I had all the statements saying I was not behind and was paying on time. I requested a work order to figure out what happened. The person who called me could not give me a reason why I had XXXX statements in XXXX that said different things. After they investigated they realized there was an error in funds being transferred etc ( something I do n't really understand ) during the loan modification process and basically I was just a month behind. I explained I could not pay an extra mortgage payment. I 'm on tight budget hence my decision to do a loan modification in the first place. They did not care. Not their problem even though they created it. I am now trying to catch up so I 'm no longer behind and ca n't pay other bills. They are now charging me late fees which makes it harder for me to catch up and my credit score has been damaged. Also almost immediately after just finding out I was supposedly behind I started receiving letters threatening foreclosure.
Product: Credit card

Hello CFPB, thank you for reading my complaint. US bank has twice since opening this account in XX/XX/year>, only 9 months US banks has now twice changed the terms and conditions of the rewards and card product. As of today they changed the rewards amount. Meaning rewards are now worth less than before. I have now twice attempted to change card product and they will not allow me. Even though I have XXXX credit score and have always been on time with my statements. 
I just wanted the federal regulators to be aware of this.
Product: Money transfer, virtual currency, or money service

I am filed this complaint against Cash app Block , inc due to inadequate customer services and fair practice which violate the customers financial protection act the XXXX Pacifically cash app failed to take timely effective measurements to prevent to address Fraud on this platform leaving my account vulnerable and unprotected and furthermore their dispute Resolution process was unfair and deceptive as they did not comply with errors resolution requirements on the electronic fund transfer act XXXX and regulations XXXX These actions have called significant Inconvenience Financial loss in hardship I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I looked at my report. I sent a letter to all bureau asking them to reinvestigate these accounts : XXXXXXXX XXXX XXXXXXXX {$13000.00}, XXXX XXXX XXXX XXXXXXXX {$60000.00}, XXXX XXXX XXXX they sent me their investigation and said these accounts are complete and accurate. I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX, TransUnion, really did not reinvestigation they lied on an official document saying they did something they did not do, and I have evidence to prove my case
Product: Checking or savings account

I had a payment of {$2000.00} in my account I withdraw {$2500.00} and got locked out of my account and then my account got closed still haven't gotten a refund
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated.

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 EXPERIAN 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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This is my complaint to EQUIFAX for taking no action on correcting and removing the fraudulent accounts including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC reports with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company put car loan on my credit report after they sold it to a creditor for XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX  # XXXX XX/XX/XXXX -- {$5200.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$5500.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- {$570.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$1800.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$310.00}
Product: Credit reporting or other personal consumer reports

Improper reporting and too old XXXX {$210000.00} XXXX past due XXXX Balance due XXXX Past due Home was sold and all dues paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Experian, XXXX  and XXXX  disputing XXXX XXXX  on my credit report. XXXX and XXXX removed the account because they were unable to validate the debt. Experian continued to report it. 

XX/XX/XXXX I sent a letter to Experian requesting them to provide me with the method of verification for the XXXX XXXX account. I also sent a letter to XXXX XXXX requesting validation of the account. XXXX was not able to provide me with the proper documentation according to the law. Experian never provided me with the method of verification they used for the account. because it cant be validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint about being a victim of identity theft. You must remove any items that are opened without my knowledge, consent, or authority. Based on FCRA Section 605b, it is the responsibility of the 3 credit bureaus to remove the fraudulent items on my credit file but they were unable to do it. Kindly comply with a written removal of these fraudulent items 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 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, credit repair services, or other personal consumer reports

The bureaus are reporting a loan with XXXX XXXX as having a balance. It is paid in full. I purchased furniture on lease and paid the first lease off. I then got approved for {$1200.00} instead of {$800.00} like the first time. Once I got approved for the {$1200.00} I paid that off as well and for some reason it is still showing a balance of $ XXXX dollars and it's been over 90 days since they reported and I paid both accounts before they ever showed up on my credit report. I have attached the dashboard showing both loans paid cash. I have attached each loan info separately showing paid cash and I have attached both leasing agreements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX XXXX are not responding to any of my requests to investigate, verify and remove numerous fraudulent, unauthorized inquiries from my credit reports that were not made by me.
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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account 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: Credit card or prepaid card

I am a victim of identity theft. The thief has my social security number and is using it to open accounts in my name at a number of institutions, including a CashApp card from Square. When I received the XXXX card in the mail, I did not yet know about the fraud and assumed it was a promotional item, and therefore disposed of it. I need someone there to help me locate the account using other information, so that I can have it shut down. They have no customer service phone number. When I emailed with them, I went in circles for days until they insisted there's nothing they can do without the account number. I've emailed them multiple times since ( including emails for executives I found on a consumer watchdog website ), and have received no reply. This is outrageous and they should be held accountable for their absolute lack of concern for the very serious and very prevalent issues of identity theft and financial fraud, not to mention for their actual customers.
Product: Mortgage

I HAVE RECEIVED A LETTER FROM WELLSFARGO DATEDXX/XX/2016 SUBJECT A CREDIT TO YOUR MORTAGE ACCOUNT LOAN NUMBER XXXX @ XXXX XXXX XXXX, XXXX , MO XXXX. IT SAYS. WE ARE WRITING TO LET YOU KNOW THAT A MORTAGE ACCOUNT REFENCED ABOVE WAS IMPACTED BY THE SETTLEMENT AGREEMENT, WHICH PROMPTED US TO PERFORM A REVIEW OF THIS ACCOUNT. DURING THE REVIEW WE DETERMINED THAT IS MORTAE ACCOUNT IS DUE A CREDIT. WE APOLOGIZE FOR THE INCONVENICE AND HAR CREDIT YOUR ACCOUNT.IT GOES ON A SAYS. DURING OUR REVIEW WE DETERMINED THAT THE ACCOUNT IS DUE A CREDIT OF {$330.00} AS A RESULT OF AN ESCROW ACCOUNT PROCESSING DELAY. WE HAVE CRDITED YOUR ACCOUNT FOR THIS AMOUND AND YOU WILL SEE THE REFLECTED ON YOUR BILLING STATEMENT. I DO NEED A THE MONEY APPLIED TO MY ACCOUNT, BECAUSE I AM IN BACKRUPCY. MY ACCOUNT IS NOW BALANCED OUT. IF NEED FOR THEM TO SEND ME MY XXXX. ( FROM GREEN CASE PENDING BEFORE THE US BANKRUPCY COURT FOR THE DISTRICT OF MARYLAND CASE # XXXX ) THIS WAS FROM CLASS ACTION SUITE . I NEED FOR WELLS FARGO TO DO THE RIGHT THING AND SEND ME MY {$330.00} MY ACCOUNT UNDER BANKRUPCY CASE IS PAID THRU THE COURTS AND DO NEED A CREDIT AT THIS POINT.
Product: Vehicle loan or lease

on XX/XX/XXXX, on my way to work another car ran into my vehicle the car got totaled i was not at fault the other driver who hit me was.On XXXX the insurance company issued a checked of the amount of XXXX to XXXX XXXX XXXX and the XXXX XXXX also issued checked of the amount of {$3900.00} on XXXX. The payment was made on time and believe the report of a late payment is inaccurate.
Product: Bank account or service

On XXXX/XXXX/2016 I requested that Citibank close my checking account # XXXX. On XXXX/XXXX/XXXX I was charged a {$12.00} low balance fee. The next day, XXXX/XXXX/2016, I was charged a {$34.00} overdraft fee leaving my closed account {$46.00} overdrawn. This is not the first time Citibank has charged me excessive fees on a closed account ( see case # XXXX ) and this indicates a pattern of charging excessive fees. I want Citibank to refund all fees a close this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Those dates are : 1. XXXX/XXXX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX Beginning XX/XX/XXXX account shows in Collection. This student loan was deferred due to the serious illness of my son. The account is not in collection. It was deferred to XX/XX/XXXX. 
Also, even though this loan was deferred, I continued to make payments of {$220.00} each month. 

It seems wrong that this account would show in collection when it was deferred and I continued to make payments. It was never explained to me that if I deferred the payment the loan would show in collection. 

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

I have reached out to XXXX to verify the accuracy of two acts open fraudulently and ask the to request documentation if the acts and signatures and they refused to do so. If they did request it I was not giving proof. I was only told they investigated it and it was accurate but no proof they actually did that.
Product: Debt collection

I started a plan with XXXX telephones. I had 30 days to evaluate their service. I did not like the service and returned the phones to a XXXX store. I was informed that I was cleared of any obligations. They have been reporting on my credit that I never returned the phones. I spoke with XXXX many times on them looking in their warehouse or receiving or the store. I was met with they are not obligated to do so. They are reporting that I never returned the phones when they have the ability to search for them and are refusing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my credit profile that i did not apply for. ( XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  Equifax mortgage service ).
Product: Vehicle loan or lease

New car loan in XXXX. Low down payment, poor credit with co-sponsor, but needed car in order to work. $ XXXX/month! Was told that if I paid for two years, I could trade in and lower payments. Unable to do this due to late payments. Car valued at {$18000.00} brand new. In XXXX, talked with a dealership about trade and was told that I had already paid in over {$32000.00} at that time. Loan amount due at that time was {$24000.00}!!!!!! Unreal! He told me that a LOT of people were in for this predatorial lending! 

Spoke with creditor many times about lowering payment due to financial difficulties. I complained to them about this and it should be noted in my file! Could not file bankruptcy due to the impact it would would have on my co-sponsor. 

Lost my job in XX/XX/XXXX and could not get a XXXX position due to COVID. Had filed for unemployment for XXXX - XXXX but never received. Spoke with XXXX many times that I would try to make payments once I had received unemployment funds. Unemployment funds were not received until late XXXX but not covered by COVID funds. Car was picked up the first week of XXXX. 

My mom had heard on XXXX XXXX show that a class action suit had been filed. I am a prime candidate and hope I may be included in this suit!
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring an issue to your attention that I encountered while reviewing my credit report. It appears that an old credit card account under my name has been reported as a charge off. 
As I am currently in the process of applying for a house, having an accurate credit report is of utmost importance. I understand that under federal law, when an account is charged off, the company is required to send a 1099C form to the account holder. However, I have not received this form for the above-mentioned account. 
I kindly request that you send me a copy of the 1099C form associated with this charge off. This will allow me to have a more accurate understanding of the reported information and potentially address any discrepancies. 
Thank you in advance for your prompt attention to this matter. Should you require any additional information from me, please do not hesitate to ask. 
Best regards, XXXX XXXX
Product: Credit card

I don't what happened that the company, Synchrony, cancelled four of my credits all mon the same day and all the time i have been making payments and had a good history and was in constant with representatives of the company and making follow-up payments, Never was there a break in communication and never did i receive a phone call from any representative from the company regarding delinquency or serious delinquency. Synchrony also cancelled my spouses lowe 's account and other accounts abruptly. 
I and my spouse believe that we have been targeted financially/economically by this institution. We are financially positioned to pay as required and do believe that we are targeted due to our race and our financial ability,