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

My account with TRANSUNION 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. 


TRANSUNION 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, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # Account name XXXX XXXX XXXXXXXX. 
Account number XXXX XXXX creditor. 
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Account name XXXX XXXXXXXX XXXX XXXX Account number XXXX Original creditor. 
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Account name XXXX XXXXXXXX Account number XXXX Original creditor. 
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Account info Account name XXXX  XXXX Account number XXXX Original creditor. 
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Account info Account name XXXX Account number XXXX XXXX creditor. 
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Account name XXXX XXXX Account number XXXX Original creditor. 
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Account info Account name XXXX XXXX Account number XXXX Original creditor. 
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Account name XXXX XXXX XXXX Account number XXXX Original creditor 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: Mortgage

Since Green Tree Servicing, now DiTech, purchased my mortgage loan from XXXX XXXX XXXX in XXXX, I have been struggling with getting them to investigate and stop late payment fees since XXXX. I was not delinquent when my mortgage was purchased, tried to resolve this with their customer service, which has been very frustrating with no resolution and with constant phone calls about delinquency and no ability to make payments online because of the late fees, so I had to mail payments or use Speedpay which cost {$12.00} per payment. Since XXXX XXXX, I have received numerous offers from Ditech to refinance my mortgage loan and have my late fees waived. I have no desire to refinance and I just realized that in XXXX XXXX, DiTech applied by full monthly mortgage payment to late fees, when I requested online that the full payment go to principal, interest and escrow. Now my escrow is out of balance for payments and I did not authorize my monthly mortgage payment to go to late fees, especially since, these late fees have been assessed incorrectly since XXXX based on inaccurate information at that time and Green Tree Servicing would not provide assistance to resolve. This whole situation has been unfair and working with Green Tree Servicing has been a nightmare with my efforts of contacting them to resolve and getting the run around and the calls regarding delinquency when I was n't were very unnerving. I have been patient long enough. The applying of my monthly mortgage payment to late fees without my authorization is unfair and abusive.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On or about XXXX XXXX Wells Fargo received a wire transfer from XXXX Bank in the amount of {$35000.00} into my checking account, The staff at XXXX XXXX , branch of Wells Fargo ignored my direct instructions ( on more than XXXX occasion ) to " Under NO circumstances were any of those funds to have been placed into my account ''. I informed the branch manager on numerous occasions that the funds were not mine and that if she or the bank ignored me that they would be liable for any and all damages and possibly more. The bank also cancelled my Identity theft protection and denied me of my funds previously in the account and their actions have also caused other damages. I am also filing an Identity theft charge against parties involved since the bank also lied to me and stated " No crime has been committed and we will not contact law enforcement ''. They went on to state " There is nothing that we can do ''. and that is just a small part of what I have learned was also a lie that they stated to me and mislead me. I have documents I have not been able to obtain that do show other costs incurred due to Wells Fargo and It 's employees deceptive actions. They intentionally with malice have done this and the facts of their failure to act prove this as well. Their actions have caused undue stress, loss, damages, and I believe some of the actions are possibly criminal ..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. I am writing to dispute the following information that appears on my consumer report. 
Dispute : XXXX XXXX # XXXX Acc.XXXX XXXX XXXX # XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/2021 XXXX XXXXXXXX XXXX XXXX : XXXX Date of Inquiry : XX/XX/2021 XXXX XXXX XXXX XXXX  : Equifax Date of Inquiry : XX/XX/2021 XXXX XXXX
Product: Credit card or prepaid card

The Citibank presidential office is involved in a series of credit card defraudment of customers. Citibank is not adhering to the fair use and billing act and has breached their contract with me. In their clause it says I am not responsible for any credit card charges done on my account. Based off of all the evidence that has come out the facts are I was at work during the time my credit card was fraudulently used. 

In addition to this information they blatantly lie in their letters to me about things I have said or done even though I have told them I have done the opposite. 
I.e. They said I failed to go to the police when I personally went to the police to try to report the crime they did not bother to take it because the charge was under XXXX dollars ( XXXX police dept ). 

I.e They told me the card was used at XXXX XXXX  but failed to specify which time zone in which I assumed it was pacific time and stated that information to them. This was a clever trick in order to make me seem contradictory. although my card was used at XXXX XXXX it does not change the fact that I was either at work or in the shower because the transaction happened an hour and a half away from me. 

I.e. They said I failed to allow an investigation at my workplace where I believe the card may have been stolen. I have no solid evidence it was a co-worker, and in addition to this there are XXXX people at my workplace. My co-workers told me to let my credit card company know. 

Citibank is also spam mailing me with loan offers to pay off credit card debt. I have received 2 offers in the month of XX/XX/2018 to take a loan to pay off credit card debt. Citibank seems to be trying to coax me into taking a loan to paying off they debt they are trying to trap me with. 

My co-worker also sent them an email saying I was present at work at the time my card was being used. Citibank is ignoring facts and trying to trick and trap me into paying them money that I never used. 

Citibank OPENLY admits the person who used my phone to call my credit card company failed my security word, didn't know my social security number and even had a totally different voice. It is impossible for a person to use a high limit on a credit card without this information this in itself is a violation of my contract and is a violation of the fair use billing act. Citibank refuses to admit they made a mistake and instead are choosing to say I contradicted myself when I tried my best to explain what happened while I was panicking about {$12000.00} being stolen. Citibank is using my fear and panic of the situation to extort money from me. 

Lastly - my attorney is openly trying to communicate with them and they are refusing to respond to any letters from my attorney or send any information to him. CFPB you need to get this {$100.00} XXXX +organization under control. If these attempted extortion techniques are being used against me I cant imagine how many people they are defrauding using this technique. Please Re-investigate this company do not let them get away with this. 
-XXXX XXXX
Product: Checking or savings account

today escalated my huntington bank overpayment c card problem to a XXXX XXXX at office of president and after XXXX hour was ghosted by her and a manager within customer service ( XXXX? ) was told the XXXX would be returned to my checking account XXXX days ago/monday and it has not been. these executives were having all kind of issues with their phones and communications and relating to XXXX another now .... i waited and waited. please listen to all my calls this past week. this is completely unacceptable. i believe i was ghosted because they all went home at XXXX leaving me with no answers once again and in jeopardy of over drafting my checking account once again because of their ineptness and failure to provide realistic time lines.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX  credit report. 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 XXXX as proof from the XXXX 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, credit repair services, or other personal consumer reports

I have an Ohio Dept of Human Services listed on my credit report does not reflect the current status. It is listed 2 times. The account is paid as agreed but my report is also reflecting a negative status of the same account. Please delete the negative so it will reflect the current status only of PAID AS AGREED.
Product: Checking or savings account

On XX/XX/2022, opened a XXXX Checking account in response to advertisement offering bonus when opening an account, depositing via XXXX a total of {$1000.00} within 30 days of account opening and registering for online banking within 30 days of account opening. After meeting all terms and conditions, it was said that bonus would be paid within 90 days ; however, as of the date of this complaint, no {$400.00} bonus has posted to account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these XXXX  Accounts listed below has violated my rights : XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX BANKRUPTCY XXXX XX/XX/2014 REFERENCE # XXXX DEPTEDXXXX ACCOUNT # XXXX DEPTEDXXXX ACCOUNT # XXXX
Product: Checking or savings account

XXXX cash app charged me to stay at a room XXXX then XXXX then XXXX after the expired time for a hotel to have a hold I called to have it removed the next day after the limited waiting time and it was charged immediately to my account from pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I ask that the items be deleted to correct my credit report. These creditors have reached out to me through letters even after cease and desist were told. Also if my information is sold to a collection agency without my consent this should not be reporting on my credit report. It has been more than 30 days since these disputes have been filed. I am unable to attain a home or get any credit because of these inaccuracies on my credit report. 
These accounts also were not finance charges. Only finance charges by law should be reflecting on my credit report. 
I would also like to receive damages for being homeless because of lack of credit because the bureaus report inaccurate information.
Product: Mortgage

XX/XX/year> Wells Fargo transferred our house loan to a new company called XXXX XXXX  by them doing that it change the mortgage price of the home. Our loan was suppose to be with Wells Fargo for a certain length of time at a set rate. They said it wasnt going to change but they did anyways.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am deeply concerned and unsettled by the presence of public records on my credit report, especially considering that I have no knowledge or involvement with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has to be the 4th time I had disputed these same accounts with the 3 major credit bureaus all to no prevail. Every time the 3 quick uninvestigated response was accounts been verified. And now my response to that is what Method Of Verification did you use, inwhom was the deciding factor, what day, month, hour did you process these claims. What form of verification did you use, who made the calls, fax, etc., and inwhom did you speak with, what if any physical documentation do you have, I'm also requesting physical documentation as of my rights as a consumer in accordance with the FCRA laws. Here are the 3 accounts inwhich I'm seeking the Method Of Verification for .. # 1 XXXX XXXX XXXX XXXX {$3400.00}, # 2 XXXX XXXX XXXX {$110.00}, # 3 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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 : XXXXXXXX XXXX XXXX / Account number XXXX The account record listed above 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 an 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: Money transfer, virtual currency, or money service

i used klarna to make XXXX purchases. they take pmts every XXXX weeks. XXXX of my packaged was missing an item so i was alloted a refund from the merchant. another package was placed at the wrong house and i was refunded as well. the refund went thru klarna when they refunded they miscalculated the amount i advised them at least 6 times theyre math was off. they kept sending me in the same circle.not giving me the diffrence of they owed me
Product: Credit reporting or other personal consumer reports

I am not liable to any dept XXXX XXXX do I have a contract with them and they did not provide me with any signed agreement between us this was investigated by XXXX and Deleted
Product: Vehicle loan or lease

Loan was sold from original lender to 1RST Investors servicing corp out of XXXX, Ga. cfpb is very familiar with them. The original lender graciously moved my due date to my payday. When 1rst Investors bought loan then refer back to original contract and are now dunning me for being late because there customer service rep said the are required to honor only the original due date. I have never missed a payment-ever. Now they want a double payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an open line of credit for over 7 years yet only 2 years of my credit is being reported by XXXX, XXXX, and Equifax.
Product: Checking or savings account

On XX/XX/XXXX my account was charged {$400.00} as a XXXX XXXX XXXX transaction that wasnt me. I called the bank and they said it has to post so i waited. i checked later that night and it was reversed so my balance was back to normal. Then on the XXXX they tried another {$400.00} transaction with the same name and it went through. So now my account is overdrawn {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact these two agencies to remove all disputes and verbiage as the disputes are done and I am not re disputing and I held for more than one hour. Please help
Product: Credit reporting, credit repair services, 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 XXXX. Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX. Account Number XXXX Account Name : XXXX XXXX. Account Number XXXX Account Name : XXXX XXXX XXXX XXXX. Account Number XXXX Account Name : XXXX XXXX XXXX. Account Number : 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 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 never apply for this card n i have people calling me from diffrent numbers about this acccount idk how they got my number
Product: Vehicle loan or lease

I had a auto loan with ally financial where XXXX XXXX sold me a damaged vehicle which I contacted the bank to take back the vehicle which they did and sold it on for more then I was owed on the vehicle. The bank keep the profit and when I asked for the documents which show how much is the vehicle is being sold for on auction, then they banked add another {$600.00} on the vehicle worth. The account account been closed and they bank take advantage on my consumer credit report where they reported a charge off as BAD DEBT and this is totally illegal and I want to take action filed lawsuit against the XXXX XXXX XXXX  for selling my personal to third party and misinformation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute Regarding Inconsistent Reporting of Charge-Off on Credit Reports Dear CFPB, I am writing to formally dispute the reporting of a charge-off by XXXX on my credit report . Upon reviewing my credit reports from all three major credit bureausXXXX Equifax, and XXXX noticed a significant inconsistency in the information being reported. 

On my XXXX report, the charge-off from XXXX was deleted and no longer appears on my record. However, both Equifax and XXXX have discrepancies in their reporting. Equifax and XXXX do not report this charge-off that was supposed the be deleted at all, which raises concerns about the accuracy and inconsistency of the information being provided.

The inconsistency in reporting by the credit bureaus violates the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies must maintain the accuracy of the information reported. This situation demonstrates that the information provided by the credit bureaus is not accurate or consistent across all platforms. 

Since all three reports stem from the same creditor and relate to furnisher, it is unreasonable for such conflicting information to exist. I believe this inconsistency is damaging to my credit profile and does not reflect accurate reporting. Therefore, I am requesting that the inaccurate charge-off information be removed from all credit reporting agencies immediately, as it is either misrepresented or inconsistently applied. 

Please investigate this matter and take the necessary steps to ensure that my credit reports reflect accurate and consistent information in compliance with the FCRA. I look forward to a resolution and prompt correction of this issue. 

Thank you for your attention to this matter. If you require any additional documentation or information, please do not hesitate to contact me. 
ps : i will attach the evidence Sincerely, XXXX XXXX