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

My account with XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXXXXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made 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 months that was reported late 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, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting my mortgage as missing 2 payments from XX/XX/XXXX and XX/XX/XXXX when my mortgage was in an active forbareance and protected as part of the CARES act that provided relief during the COVID-19 pandemic. At the same time I was also in a repayment trial with my mortgage lender in which my first payment was made in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When disputing the issue, Transunion failed to verify the correct information from my mortgage lender. On my other credit reports with XXXX, it is reported correctly. My mortgage company is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I'm reaching out to report that I've fallen victim to identity theft. After carefully examining my credit report, I've uncovered fraudulent transactions that I had no involvement in. I understand that consumer reporting agencies are responsible for maintaining the utmost accuracy of my credit report. The inclusion of these accounts undermines the integrity of my report and infringes upon my consumer right to privacy. I kindly request your assistance in promptly removing the specified accounts and associated documents from my report, as mandated by the Fair Credit Reporting Act, within a four-business-day timeframe. Thank You XXXX XXXX
Product: Money transfer, virtual currency, or money service

Every time Ive called cash app support no one has answered or XXXX on hold for hours. I tried verifying my account multiple times and then they XXXX my account for no reason no one could help me. Or even respond to my emails and messages and calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Thank you for helping me update my credit report in the following complaint Re : Account ending in XXXX Capital One Case : XXXX CFPB Case : XXXX However, Capitol One has reaged the account which has caused many problems. Capitol One has listed the date of first delinquency as XX/XX/2019 ( see attached proof ). This has caused my scores to tank. 

I would also like to say I love Capitol One. I have 2 credit cards, my wife has one with Capitol One. I also have an auto loan with Capitol One. 

Also we are selling our house and have substantial equity and will be opening a new checking account with Capitol One to deposit these funds. 

I just don't want this complaint to come off hostile. I just don't know any other way to talk to a human about these issues. 

That being said this is a major violation of the FCRA. Please delete this tradeline fro all three credit bureaus. 

Thank you XXXX XXXX
Product: Credit card or prepaid card

This issue goes back to the Capital One data breach and I am a person that was directly hacked into to stop a payment from a bank account from another person who promised me she would pay me back for the credit card charges. Capital One had already issued the money through and it was stripped from the system some how when the Capital One Data breach had happened. So the person 's bank account was locked up and we never got the payment through. Capital One never acknowledged what had happened about me being directly hacked into and nobody is doing anything about it. The last thing that remember hearing about the Capital One data breach was when Congress started to investigate. Now there is no news on it and it has been more then long enough to find out what to do to correct my credit report. This hacking with the Capital One data breach is running my credit rating. I am underprivileged already. Disabled and going to school online is hard enough already I can tell you that. The data breach occurred around XX/XX/XXXX, the exact time evades me. But this is still haunting me today XX/XX/XXXX for my credit issuance that they never paid me from my inconvenience. The court settlement hasn't settled on my credit rating so what should I do?
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern about the disputed accounts on my credit report. Despite my repeated efforts to address these inaccuracies, no resolution or corrective action has been taken. These errors are causing significant damage to my credit file and are severely impacting my ability to live a normal life. 

The consequences of these inaccuracies have put me in a difficult situation, and I urgently need your help to resolve this issue. I respectfully request a thorough investigation into the reporting of each disputed account. It is essential that the necessary steps be taken to promptly update and correct my credit report. 

With your assistance, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control of my financial well-being. I strongly urge you to give this matter your immediate attention and take swift action. Your prompt cooperation in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and support.
Product: Credit reporting or other personal consumer reports

The information in this complaint contains that 2 of the 3 credit bureaus ( TransUnion and XXXX ) are denying my wife and I are rights as consumers as there are inaccurate information on both my wife 's credit report and my credit report in regard to a XXXX XXXX XXXX XXXX bankruptcies. 
Moreover, in relation to TransUnion, there has not been any representatives within this company that has been able to provide me any type of answer in regard to the " Improper Involuntary Bankruptcy Cases '', the XXXX XXXX and the XXXX that does not belong on either of our credit reports due to the attorney 's firm messing up the paperwork for both of these bankruptcies creating both of these, the XXXX XXXX XXXX XXXX XXXX to be done fraudulently. Additionally, I have asked numerous times different representatives within TransUnion on how to upload supporting documents for these 2 bankruptcies, the XXXX XXXX XXXX XXXX XXXX XXXX but have yet to receive any answer from TransUnion. 
Furthermore, by what the attorney 's firm did/created in this situation, it led me to becoming a victim of identity theft. As I received verification from the IRS from the 2 tax returns that they received for the XXXX Tax Year, after being audited from the IRS for this tax year. 
Moreover, in relation to XXXX, the representatives within their special services section ( dispute section ) did not do their " due diligence '' in regard to either one of these XXXXXXXX XXXX XXXX XXXX XXXX XXXX as they did not do the research that was needed to be done regarding these " Improper Involuntary XXXX XXXX ''. The supporting documents were uploaded to XXXX, however, the section within XXXX did not do any type of research into this documentation that was sent to them. Therefore, XXXX has ignored and is still ignoring the documentation from these bankruptcies as I received notice from XXXX that they were not willing to remove these " Improper Involuntary Bankruptcy Cases '' because XXXX has stated that these bankruptcies are legitimate and will stay on our credit reports. 
Furthermore, proving that XXXX did not do their research correctly into the information surrounding either one of these, the XXXX XXXX XXXX XXXX bankruptcies that was done on a fraudulent basis with the attorney 's firm and therefore, creating me to become a victim of identity theft with the IRS.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 



Account Name : XXXX  XXXX Account Number : XXXX
Product: Debt collection

I have disputed this debt and asked them not to contact me. However, their letter states that even though the debt was disputed I need to disputed it again or they will assume the debt is now valid.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I got confirmation that Innovis put freeze on account per my demand. At no time did I provide written permission for Innovis to make any reporting of my private consumer information to anyone. On XX/XX/XXXX, Innovis added a new address to my report without my written consent, violating FCRA ( 15 USC 1681b ). This unauthorized use of private information is identity theft ( 15 USC 1681c-2 ). It violates compliance processes ( 15 USC 1681e ) and potentially carries civil liability ( 15 USC 1681n ). Again, I previously opted out of such disclosures under FCRA Section 6802. Despite this, my information was disclosed without my written consent. I demand : 1. Immediate cease and desist of reporting my information ; and ; 2. Documentation of any disclosures and confirmation of all reporting ceasing. Failure to comply will result in legal action seeking damages. I expect a swift response and confirmation within 30 days including {$1000.00} fine fee for this trespass by Innovis.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I made a call to Toyota Financial Services and explained to them that I had an incorrect late payment on my account. I was told it would be investigated and I would be notified by mail. Later XX/XX/2021 I received a letter informing me that " this account was reported as deleted for XXXX XXXX ''. I checked my report 30 days later and it was still there. I have tried for several months to get this removed form my account. This process has cause me to lose out on property, funds and caused a lot of frustration and destress. Toyota placed a 30 day late payment on my account and I have never been late. I bought a new car and in the process of the dealership transferring the payoff of the first cat to Toyota financial the communication between the two were lost. I was received 2 different contracts and the financial company said they only got one. I had to prove to them that I had 2. I am in the process of XXXX a house and this late payment is holding the process up. Because of this mistake I have lost out on many homes and funding. I need help getting this Item removed.
Product: Mortgage

After making 3 trial payments of {$2300.00} on a mortgage modification to XXXX XXXX XXXX ( XXXX ) in XXXX XXXX XXXX XXXX XXXX XXXX and after signing and submitting notarized paperwork, an additional non-trial payment of {$2400.00} made in XXXX XXXX, the loan service was transfered to from XXXX to Nationstar Mortgage ( dba Mr. Cooper ) in XXXX XXXX 

Mr. Cooper didn't honor the modification and we weren't allowed to make additional payments on the loan. 

In early XX/XX/XXXX, when we first contacted Mr.Cooper about this loan transfer delay, statements made to us, ( and documented ), by agents of Mr. Cooper, that were false and misleading, reassuring us no payment or penalties would be required or incurred due to the delay in the loan service transfer. 

Still unable to make payments, in mid XX/XX/XXXX we engaged with an attorney from XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) who after review, drafted Reg. X requests and notice of error letters, which were submitted via certified mail to Mr. Cooper and XXXX on XXXX 
Mr. Cooper and XXXX did not respond or comply with the request for documents related to our mortgage history and loan servicing. 

The XXXX attorney negotiated with attorneys for Mr. Cooper for 6+ months with no resolution other than an offer for us to pay all back payments ( XX/XX/XXXX thru XXXX XXXX ) in one lump sum ( over {$29000.00} ), in order to resume monthly payments. 

We are submitting this complaint becuase we believe Mr. Cooper and/or XXXX acted fraudulently are in noncompliance, pursuant to 12 C.F.R. Sections 1024.35 and 1024.36 of Regulation X of the Mortgage Servicing Act under the Real Estate Settlement Procedures Act, by not responding to our request for documents.
Product: Credit card or prepaid card

I opened a Private Client account at Chase Bank on XX/XX/2019. 
Over the weekend, I applied online for the Chase Freedom unlimited Credit card. I was contacted by phone by Chase Bank at my home number and assumed that this was the call to verify my application. I received an e-mail on XX/XX/2019 approving my application. My credit cards arrived on Saturday, XX/XX/XXXX. I charged 2 transactions totaling XXXX over the weekend. When I tried to charge lunch on Monday, XXXX, the charge was denied. Upon calling the XXXX #, I was told that the card was closed by the bank and i would receive a letter of explanation. 
That letter arrived on Saturday XX/XX/XXXX. As instructed, I went to the bank branch to reapply. After 30 minutes with the bank officer, the reapplication was denied, stating that a 30 day wait was required. After numerous calls to the local branch and credit card center, I was told that I could not reapply for this card for 48 months. 

They mishandled the approval from me on the FTC recommended fraud alert.
Product: Credit reporting or other personal consumer reports

Bait switch advertising, I send all docs they request for a business loan, after they check my fico score, and send bank statements as they request, showing a good credit XXXX, bank showing making plenty to pay any loan amount and still denied for a credit on the basis of no fico score e en showing a copy from experian my scoremis what I said is it.
Product: Vehicle loan or lease

Back in XXXX, GM Financial overcharged my account, causing me to be over drawn the entire month. Part of the agreement was not only for them to provide assistance, but that I would not be locked out of the system again and only being called by a person after work. They continued to call me and called so many times in one day, that I lost my job in XXXX. Not only that, I have been locked out the system so I can not make payments. This is exactly against our agreement and at this time, they need to dismiss my loan.
Product: Checking or savings account

I was trying to open a Free Checking with PenFed Credit Union and they refuse to open it with no explanation. I tried online and it will not let me and no one will give me a reason as to why I can not open the Checking account.
Product: Credit card or prepaid card

XXXX I opened a XXXX XXXX Card which was set up as auto pay and all of a sudden they weren't taking my payments from my account and years later they are garnishing my wages. I attempted to reach out to them many times within those years and I could never reach anyone, I was placed on hold many times and hung up on for no reason I never got to speak with anyone. I have not heard from them until this garnishment comes through work 4-5 years later.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018, i sent Transunion a certified letter, asking to remove OLD addresses and the various names that are listed on my credit report. They have NOT made the corrections, I sent a copy of my drivers license bearing my correct address along with copies of utility bills and even had it notorized!! 

The address that need to be removed are- XXXX XXXX XXXX , XXXX XXXX XXXX Va XXXX XXXX XXXX XXXX , XXXX  XXXX Va XXXX My name is XXXX XXXX the names to be removed are XXXX XXXX and XXXX XXXX This is inaccurate reporting, I cant not be reached at these addresses by United States Postal Mail . They have failed to update their database, and the entries should be deleted.
Product: Credit reporting or other personal consumer reports

My wife and I purchased a new vehicle from XXXX of XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX  The vehicle was financed through XXXX XXXX XXXX. After the transaction, we noticed that our credit reports were pulled twice on the same day, by XXXX of XXXX and XXXX XXXX XXXX. We contacted XXXX of XXXX to inquire about the double pull. Per the dealer, XXXX of XXXX does a hard credit check to " verify identity. '' This is purportedly separate from the hard credit check that XXXX XXXX XXXX does for financing. When I asked why XXXX XXXX XXXX could not have used the same credit report that the dealer had just pulled on the SAME day, less than an hour beforehand, the dealer simply told me that is its process. Independent of the fact that the dealer performing a hard inquiry does not seem necessary to verify identity, and potentially drops a consumer 's score prior to evaluation for financing by the XXXX XXXX, the double pull is negatively impacting our scores. While credit inquiries close in time are generally viewed by lenders as a single inquiry, that doesn't negative the fact that XXXX hard inquiry checks still lowers our scores.
Product: Credit card

on XX/XX/XXXX I paid off my XXXX balance to my ikea credit card, serviced by XXXX XXXX I didn't think about it after this because I had paid off the balance. I was assessed a XXXX interest charge on XX/XX/XXXX, and then on XX/XX/XXXX I was charged a XXXX late fee ( 100 % of the new balance ). On XX/XX/XXXX I was charged a XXXX $ min interest charge ( about a 30 % charge on the new balance ). Then on XX/XX/XXXX I was charged another late fee of XXXX again 100 % of the new balance. So then on XX/XX/XXXX, I was assessed a XXXX $ fee, bringing my balance to just shy of XXXX $! 

I called today ( XX/XX/year> ) and the first person I spoke to told me she could waive all the fees and charges except the initial XXXX. Which still seemed ridiculous to me so I asked to speak to a supervisor. I was then transferred to someone who told me she could only waive XXXX late fee because they were only allowed to waive XXXX per XXXX  months. 

I tried to explain that the previous person I spoke to had told me that I would only owe the XXXX. And this new person I spoke to, the supervisor told me that I had been given incorrect information. I expressed my concerns about having my financial institution give me incorrect information and how am I supposed to know who to trust in my communication with them. 

The only option I was given was for them to file an internal complaint against the person who gave me " wrong '' information but there was no other alternative given. 

It is reasonable to want to get clear and correct information from a financial institution and at the very least to have them honor what I had previously been told.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year>, Experian failed to accurately report information to my credit report. I request that the CFPB investigate this matter and take appropriate action to ensure the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted the credit companies stating that the information on my credit report is incorrect they did an investigation and it is still incorrect the accounts are XXXX XXXX XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act those accounts have violated my rights. 
15 U.S.C 1681 section 602 A section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

On XX/XX/2018, an associate at Direct Recovery Services contacted my ex-husband. They released all of the debt information to him including the amount of money that I owe as well as the name of the company it is directly owed to and asked him to leave a message to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following fraudulent inquiries from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I write to dispute in its entirety the charge for {$2900.00} as well as the balance transfer fee of {$87.00}. The reason for my dispute is that Citi failed to send a balance transfer to my correct XXXX card Acct. No. XXXX XXXX XXXX XXXX. I believe that Citi stated that the funds were sent to another discover account with a one digit different at the end and that they have no policies or procedures in place to prevent incorrect transfers like this. They asked me to contact XXXX to give them permission to speak with Citi to correct the charge and I did just speak with XXXX and they notated the account accordingly but said that Citi needs to file a billing dispute with discover. 

As the records I sent Citi say, I paid off my XXXX account because the balance transfer never came through to my account and that I closed my discovery account. There were no further charges made to it. 

In addition, XXXX, XXXX, and XXXX refuse to correct the Citi tradeline. 

All of these entities are causing me harm including adverse credit events.