23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Business Information University Accounting Service LLC XXXX XXXX XXXX XXXX, WI XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Billing or Collection Issues Problem description : UAS is saying that I was late on a payment that they weren't able to notify me about nor did they notify me about. A statement was sent in XXXX of XXXX to the wrong address for payment and an account was added to my report which prompted me to call them in XXXX ofXX/XX/XXXX Come to.fi d out they dont have my phone number, address or email and they had to update it accordingly. I asked them how much are the payments and they said {$120.00} every 3 months. I said okay ill wait for the statement paid same day and been paying ever since. I go apply for a mortgage and get approved and my lender calls me and says you have a 30 day late payment on your report for XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX I ask how the rep says it's from XXXX. I ask why wasnt that on the first statement you sent to me in the mail stating that these funds are owed and how can I be late paying a bill i was never notified about or knew about or had a chance to pay? In the system our 1st conversation that only happened because I called since it hit my credit report was in XXXX of XX/XX/XXXX where I was first aware of this. I dont understand why you are telling the credit bureaus that I missed a payment on a debt I was never notified about nor got any disclosures on. You didnt have my address, phone or email on file in XXXX when we first spoke. Nor is the XXXX payment that you say I owe anywhere on the 1st statement sent in XXXX or on any future statements. If you are going to tell the credit bureaus i was 30 days late i think i need to be made aware that i owe you anything.. 1. ) Never got any direct or proper notices until XX/XX/XXXXXX/XX/XXXX 2. ) The statements sent after XXXX of XX/XX/XXXXdont include any payment owed from XXXX yet on the credit report it says XXXX XXXX I was 30 days late while I wasnt even aware of any debt owed. 3. ) The very first statement I received in XXXX of XX/XX/XXXX states on the statement NOTHING is past due I kept for my records it says {$0.00} is owed/past due. How if on my credit report now it says I was 30 days late back in XX/XX/XXXX before our 1st initial conversation in XXXX. This is impacting my mortgage and I have no other late history for the year besides this. I need this 30 day late notice on my report removed asap as I wasnt even aware and the statements after the conversation held in XXXX doesnt even include it. 
Desired Resolution : Correction to a credit report Desired Outcome Remove the missed payment off of my credit report asap. I am on the middle of buying my first home and the lender says that's the only thing on my report for the year and its stopping me from getting the home Yet I already spent money on the home and the inspections so I need a quick update to reflect that I dont have any missed payments as settlement is XX/XX/XXXX. So needs to be updated before XX/XX/XXXX.
Product: Debt collection

Midland got a judgment against us and I noticed it was to a wrong address it was not our address have been at our address for 11years. I did not even receive a summons to appear in court XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Never my addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Experian on XX/XX/XXXX after delinquent XXXX XXXX account was paid in full. Balance was updated, but XX/XX/XXXX was updated as charge off, after account paid in full. Original balance was {$130.00}, payment was {$140.00} on XX/XX/XXXX. 
Another dispute with Experian updating on XX/XX/XXXX updated goodwill  adjustments ( negative comments removed up to XX/XX/XXXX ),  but added negative comments to XXXX and XXXX, XXXX. 
Latest Experian dispute began XX/XX/XXXX and ended XX/XX/XXXX was due to negative comments to XXXX and XXXX. The update for this dispute was to move negative comments from XXXX and XXXX, XXXX to XXXX and XXXX, XXXX. 
Experian can not /will not remove the account from my credit, even though it is set to drop off in XXXX, XXXX, which I requested by phone on XX/XX/XXXX. Experian states that they can open another dispute, but can not guarantee that it will be correct. 
I sent a fax including the attached information to XXXX XXXX on Monday, XX/XX/XXXX. 
Each time the account shows as charge off in Experian, my credit score drops again.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late on XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Checking or savings account

Dear CFPB, I am writing to formally lodge a complaint against Bank of America concerning their handling of an unauthorized transaction on my business checking account. My name is XXXX XXXX, and I have been a customer with Bank of America for 26 years on my personal account and for the past 4 years on my business account. 

Incident Details : Account Type : Business Checking Account Transaction Date : XX/XX/year> Transaction Amount : {$9000.00} Transaction Description : Invoice payment to an unrecognized and unauthorized individual On XX/XX/year>, I reported the unauthorized transaction to Bank of America. I was provided with a claim number and informed that an investigation would be initiated, with necessary paperwork to be mailed to me. However, as of today, XX/XX/year>, I have not received any correspondence regarding this claim. Additionally, there is no information related to this claim available on my Bank of America online banking account.

Despite my repeated follow-up calls to the bank, I have not received any updates or answers regarding the status of my claim. Each time I speak with an associate, they seem to have no knowledge of the situation. This lack of communication and progress is highly concerning and has caused significant distress. 

According to the Electronic Fund Transfer Act ( EFTA ) and Regulation E, the bank is required to investigate and provide provisional credit for unauthorized transactions within 10 business days of the initial report. It has now been over nine days since I reported the unauthorized transaction, and the bank has neither resolved the issue nor provided provisional credit. 

Requested Actions : Immediate investigation and resolution of my claim. 
Provision of {$9000.00} in provisional credit to my business account. 
Assurance of measures being taken by Bank of America to prevent such incidents in the future.

Improved communication and transparency from Bank of America regarding their claims process. 
Enclosed with this email are copies of all relevant documentation, including details of the unauthorized transaction, communications with Bank of America, and any reference numbers provided. 

As a long-standing customer, I am extremely disappointed with the handling of this situation by Bank of America XXXX I trust that the CFPB will take this matter seriously and assist in ensuring that Bank of America complies with federal regulations and resolves this issue promptly and fairly. 

Thank you for your time and assistance. I look forward to your prompt response and resolution of this complaint.
Product: Mortgage

After filing multiple complaints with the CFPB, Nationstar Mortgage continues to fail to follow the law. XX/XX/XXXX marks the tenth month that Nationstar has not provided us with a monthly mortgage statement since they assumed servicing of our home loan in XX/XX/XXXX. We are not in bankruptcy, the only exemption that would permit Nationstar to not send a statement. 12 CFR 1026.41 ( e ) is clear that there is no exemption under which Nationstar is not obligated to provide us with a monthly mortgage statement. Additionally, Nationstar still has not provided us with the disclosures required by 12 C.F.R. 1026.20 ( d ) concerning the change in interest rate on the note. Despite multiple complaints and communications with Nationstar they still refuse to make the required disclosures or to provide monthly mortgage statements.
Product: Vehicle loan or lease

Due to Covid 19, we got behind on payments and my car was repossessed. My husband was able to find a new job so I started trying to make small payment to catch up. Less than 24 hours after my car was taken, I called and was told I would have to call back late, because they didn't have any information. The 3rd call I finally was told I had to pay {$2300.00} to bring my account current and the repossession fees. I was willing and able to pay the full balance right then, but was told because my account wasn't old enough with them they would not reinstate my loan. The only way to get my car back was to pay the loan balance in full. This year has been a very new and trying time for everyone, I was owing up to situation. I wanted to catch up my account and continue making my payments on time going forward, but that was not a choice I was given. I am a XX/XX/XXXX and have a daughter with a chronic medical condition so transportation is very important.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$12000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX, Missouri Laws Dear PORTFOLIO RC, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Missouri Revised Statutes Chapter 570 on identity theft. 

It has unequivocally come to my attention that PORTFOLIO RC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. Missouri Revised Statutes Chapter 570 establishes clear guidelines and severe penalties for the unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for PORTFOLIO RC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that PORTFOLIO RC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri Revised Statutes Chapter 570. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that PORTFOLIO RC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

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

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion to let them know I was a victim of their inquiry issue and they were unable to help me on the following inquiries. 

XXXX/XXXX  XXXX  XXXX XXXX/TXXXX XXXX XXXX XXXX XXXX XXXX, I XXXX XXXX
Product: Mortgage

Union Home Mortgage, actually using XXXX XXXX, IN branch has been delaying my mortgage process without excuses of me turning back the little or almost nothing they had to request me because I gave them more than they needed. I had have to extend contract with seller twice because since XX/XX/2020. The case has been in underwriting department for around a month and still is not going to USDA. I have to deliver my apartment because I did break my lease and paid a high fees for on XX/XX/XXXX, now they changed underwriter because it's known the one was working with the case was not doing it in timely fashion. Where is the ethic and supervision here? Now I am homeless with a minor cause of their irresponsibility. Paying high costs for this game that seems not end.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) These accounts, opened in XX/XX/XXXX and XX/XX/XXXX, commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, a XX/XX/XXXX thru XX/XX/XXXX timeframe. 
2 ) The address provided to and reported by XXXX XXXX is one that XXXX XXXX has never lived at, in a State in which he has never been a resident. We have provided signed documentation from the management company which proves this fact. ( Figure C ) 3 ) XXXX XXXX and XXXX XXXX failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX County Iowa in XX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of XXXX XXXX and XXXX XXXX to comply with : The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692 4 ) This is the third account listed by a wireless company within the same time period. It is illogical that any legitimate account would have been opened with three wireless carriers by one individual in close succession unless illegal activity was involved.

It is because of these facts, and the documentation including : a signed Fraud Affidavit, reports from two law enforcement agencies, a report from the Internal Revenue Service confirming our client as a fraud and identity theft victim ) provided which proves that this account was in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line.
Product: Student loan

Heartland ECSI is unlike other loan servicers when handling automatic payments. Each loan being serviced requires its own automatic payment. Here is the issue : I have a two loans with quarterly payments ( {$90.00} each ) .that did not enter repayment on the same month that I setup automatic payments. My automatic payment of {$90.00} is consistently {$90.00} short because the balance on the accounts are not met by the single payment.

ECSI did not make a reasonable attempt to clarify this nuance in their automatic payment policy and I have accrued many months  of missed payment fees as a result.
Product: Credit card

I applied online for a credit limit increase on my Citicards credit card on XXXX/XXXX/15. 
Before I clicked the submit button, my screen said you must click the box to acknowledge that a credit report would be pulled. I agreed to this. 
On XXXX/XXXX/15, I got an email that my credit limit increase request was declined. I put a posting on XXXX for a reconsideration of my credit limit increase request. An hour or so later on XXXX/XXXX/15 a member of the social media team called me regarding my denial. The gentlemen from the social media department said that in order for him to escalate my denial to another level, my credit report would have to be pulled AGAIN. I said, let me make sure I am hearing this correctly, the computer pulled my credit report not 24 hours ago, you confirmed this, yet you have to pull another credit report, he said yes. This act of having to pull ( XXXX ) reports in ( 24 ) hours is damaging to consumers credit and is not necessary or in the best interest of the consumer banking in the USA.
Product: Student loan

XXXX back in school he can not make payment. I am co-signer and an XXXX years onld with finncial hardship. ACE refuses to work with me.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX was contacted by a new XXXX distributor, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX They are a new distributor and were wanting to order {$11000.00} of our products. A proforma invoice was sent to XXXX from XXXX XXXX with wiring instructions. 

On XX/XX/XXXX the wire was sent and XXXX sent wire confirmation but it was never received by XXXX XXXX. Wire from XXXXXXXX XXXX XXXXXXXX to XXXXXXXX XXXX XXXX XXXX XXXX XXXX Chase. See attached XXXXXXXX XXXX XXXX XXXX XXXXXXXX Not until XX/XX/XXXX, did we all learn, in a XXXX  conversation, that our emails had been hacked and the invoice that XXXX XXXX had sent that the XXXX  account number had been changed on the wiring instructions. ( see attached ) Fraud acct at JP Morgan Chase acct # XXXX After further review we found that the fraudulent emails started on XX/XX/XXXX and as far as we can tell all emails were intercepted. 

Fraudulent Email adresses XXXX XXXX XXXX XXXX Real email addresses : XXXX XXXX XXXX On XX/XX/XXXX XXXXXXXX XXXX XXXX and JP Morgan Chase were both notified and a recall was issued by XXXX XXXX. XXXX. 
On XX/XX/XXXX, after daily phone calls to both banks we learned that JP Morgan Chase allowed the wire to go into the fraudulent account despite the name on the wire being for : XXXX XXXX XXXX XXXX. 

JP Morgan Chase failed to follow XXXX Guidelines. The name on the wire did not match the name on the account they allowed where they deposited the funds. Chase told us they have requested the money back from the account holder but they haven't responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. XXXX XXXX  XXXX balanced {$170.00} XXXX XXXXXXXX XXXX balanced {$3000.00} XXXX XXXX BALANCED {$790.00} XXXX XXXX In line with the Fair Credit Reporting Act ( FCRA ), I ask for a comprehensive review and reinvestigation of any disputed items. If an item can not be verified with concrete evidence, I request its immediate deletion to prevent inaccurate reporting from affecting my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XX/XX/XXXX, to XXXX and LexisNexis regarding false information reporting on my credit report. LexisNexis has responded to the case ; Complaint ID : XXXX. I attached the document from LexisNexis regarding the bankruptcy that has been removed from my report since XX/XX/XXXX. 

XXXX informed me in XX/XX/XXXX, they received verified information from LexisNexis and this is why they did not remove the bankruptcy reporting from my credit report. 

XXXX has not provided any response to my other complaint ; COMPLAINT ID : XXXX. 

I am officially requesting LexisNexis to provide XXXX with updated copies of my consumer report since XXXX is falsely accusing LexisNexis to verify such information that does not exist. 

Per LexisNexis " Although LexisNexis Risk Data Management ( LexisNexis Data Management ), a LexisNexis Company, sells public records in bulk to a variety of customers, including consumer reporting agencies such as XXXX, XXXX, and XXXX, LexisNexis Data Managements role is limited to providing its customers data it retrieves from courts, including updates to existing records. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous inaccuracies on my credit report starting with a previous address that is wrong and not mine. 3 accounts that are labled charge off which is in correct and an account with the date of activity which is wrong