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 XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment 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 or other personal consumer reports

I have contacted TD Auto Finance on numerous occasions since mid XX/XX/year>. TD Auto never credit payments made on time for XXXX and XX/XX/year>. Verification was provided to TD Auto Finance from XXXX XXXX showing that payments to TD Auto Finance was processed and TD Auto withdrew the funds. 

TD Auto has reported our account to credit reporting agencies has delinquent and had a negative impact on our XXXX XXXX  XXXX. 

TD Auto Finance never attempted to correct their mistake.
Product: Credit reporting or other personal consumer reports

I never authorized this company to check my credit and I have called and asked them to Remove it but it still has not been removed CB INDIGO XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX
Product: Debt collection

ON XX/XX/2018, I RECEIVED NOTICE FROM XXXX CREDIT BUREAU. THAT MY CREDIT SCORE HAD DROPED, AND THAT SEQUIUM ASSET SOLUTION A COLLECTION AGENTCY HAD REPORTED THAT I OWE XXXX XXXX A BALANCE OF {$750.00}. I HAD IT DISPUTED WITH XXXX CREDIT BUREAU TO NO AVIL AND THATS WHY I AM APPEALINGTO YOUR BUREAU.
Product: Mortgage

I received an offer from Quicken Loans advertising to match or beat any mortgage loan offer, or the company would provide a {$250.00} Visa Gift Card. Quicken Loans refused to honor their advertisement. They provided a home loan estimate that was substantially inferior than a loan offer I received from XXXX XXXX, a rival home loan lender. I provided the competing estimate to several loan officers at Quicken loans, and was repeatedly informed that they would not match or beat the offer. At that point I was " passed around '' to several Quicken Loans employees who promised to provide the {$250.00} gift card, but never did. This was essentially a " bait and switch '' scam.
Product: Checking or savings account

On XX/XX/2021, XXXX XXXX. An unknow person access my banking account online without my awareness. The person used XXXX cash advance from credit to debit. Then he made illegal purchased on my checking. I got phone alert in the morning said I need to verify this transaction. I was busy and when i checked my phone and see the alert at XXXX XX/XX/XXXX. I went to my banking online and see unauthorized charged.I called Wells fargo right on the same day to report that the is an online identity theft. But the person who helped me put the reason is that " dont remember the transaction ''. And since i report it happened online. They put a note that it happen outside. When i called the transactions are still in pending. But Wells fargo let that went through. And now my statement show I own them XXXX usd inculding allthe fees. Since no one from wells fargo called me, and I did not reply to the text. And i called at the same day. They should took care of it. The person helped me said i should not worry. But seem like all giving me wrong info without explains what is the next steps or helped me. They gave me XXXX temporary credit on XX/XX/XXXX and took it back on XX/XX/XXXX. I called them again and no one have any idea. They told me to reach the claim department, but it was closed, on XX/XX/XXXX the letter from Wells fargo came and its said there is no one use my credit outside. When I called Wells fargo and explain my situation, i told them it happened online. All the persons who handled my case did it wrongly and does not serious. They cant even stop the fraud transaction and let that went through. Even my debit card was denied due to daily limit. Wells fargo still let it went through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX  : XXXX ( original Creditor : XXXX XXXX XXXX ) Balance {$570.00} XXXX XXXX Balance {$500.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN COLLECTIONS : XXXX SELF-REPORTED Balance {$9.00} XXXX SELF-REPORTED Balance {$480.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  ) Balance {$900.00} XXXX XXXX Balance {$500.00} XXXX XXXX : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) Balance {$900.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to EXPERIAN blocking me from being able to access my consumer reports electronically. Since XX/XX/2020 I noticed there were several things being reported to my consumer reports that were inaccurate and were causing me great harm to my character and credit standing. I began to dispute the information that was being reported to my consumer reports, I also filed police reports for information that was being reported as a result of identity theft by EXPERIAN. Ever since that time EXPERIAN has retaliated by blocking me from accessing my consumer reports electronically and has required me to request my reports by phone and mail only. This is unfair to me the consumer which is a direct violation my my rights under the fair credit reporting act. I have tried numerous of times to resolve this matter by calling and corresponding with EXPERIAN online however I am still unable to access my consumer reports electronically. EXPERIAN has sent me my consumer file electronically for dispute resolutions only however they have denied me access to my consumer report electronically. I'm coming to the bureau which is the CFBP as defined in the fair credit reporting act 15 USC 1681a ( w ) to report this violation and to help me the consumer have access to my consumer reports electronically which is my right. The law states pursuant to 15 USC 1681h ( b ) ( 2 ) ( C ) of the fair credit reporting act, that if the consumer requests their consumer report electronically and the report is available electronically I have a right to receive it electronically. EXPERIAN has lied by stating that my consumer report is unavailable electronically however has provided my consumer report electronically only for dispute resolutions. I have always been able to access my reports electronically prior to me enforcing my rights by filing police reports for their identity theft and disputing things on my consumer reports. This again is retaliation which is illegal. I have attached the screenshot from XXXX showing EXPERIAN blocking me from accessing my consumer reports electronically.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, there is no law prohibiting consumers from utilizing third-party services, thus rendering your excuse irrelevant. In fact, the United States Congress recognizes the complexity of the entire process and grants consumers the right to employ a third party on their behalf, if they so choose. Consequently, your statement is disgraceful. 

I reserve the right to take legal action against a credit bureau for violations of the Fair Credit Reporting Act, and I am confident that I can demonstrate your failure to take reasonable measures to ensure the accuracy of my credit reports, as well as your current attempts to further delay the process. 

I acknowledge that disputes can be costly and it is your responsibility to prolong them, but please be aware that doing so carries significant risk. This letter, dated ( insert today 's date ), formally notifies you of my request to proceed with my original investigation and demands that you provide me with the results within 15 days. Therefore, I reject your " form letter '' in a legal and lawful manner, granting you only 15 days instead of an additional 30. 

I am deeply frustrated and outraged by your accusation, and I have thoroughly researched my rights concerning my credit file. I urge you to expedite my original request promptly
Product: Money transfer, virtual currency, or money service

Im reaching out to formally raise concerns about Zelles dispute resolution process, especially following the recent CFPB lawsuit that highlighted major flaws in the platform. Over time, Ive used Zelle frequently and reported several transaction issues, but my financial institution and Zelle did not take adequate steps to investigate my claims. Instead, I was told that it wasnt possible to recover the lost funds or to trace the transactions. The CFPBs findings suggest that Zelle has failed to safeguard users and has enabled repeat offenders to continue scamming people without consequences. 

This lack of oversight and transparency is highly concerning and leaves users like myself vulnerable, raising serious doubts about the platforms commitment to consumer protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became aware of ( 2 ) XXXX accounts that were taken fraudulently in my name in XX/XX/XXXX. I notified XXXX directly followed by sending them an identity theft affidavit generated with the FTC. I was unable to get XXXX to correct the error. I then followed back up on XX/XX/XXXX and XX/XX/XXXX through certified service, proof of service attached separately. I once again formally disputed the ( 2 ) accounts, requesting them to adhere to both FDCPA and FCRA. Both times they failed to adhere to FDCPA and FCRA regulations by not responding. I then notified all ( 3 ) credit bureaus, XXXX, Experian, and XXXX of my efforts and started the formal process with them. 

I had informed them of the following as a result, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. )  Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act I'm also aware that, " All accounts did not meet the Metro 2 compliance requirements for reporting accurate data. I included the FTC   Advisory Opinion to XXXX ( XX/XX/XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of  the Fair Credit Reporting Act.
Product: Mortgage

I was enrolled in the Nationwide Biweekly mortgage plan from XXXX to XXXX. Because of the disruption in payments due to their closure, it has left me paying enormous fees to my lender, XXXX Bank. I also had to pay a set up fee and other fees to Nationwide on a regular basis. I wish to be compensated for the fees leveed by this company and the so-called promises of paying off my mortgage early.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for violations, stress, and mental anguish, as well as at least 1 % of the company pursuant to TILA 1640 OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO XXXX.
Product: Credit card or prepaid card

XX/XX/XXXX received 8 calls in 7 hours between XXXX and XXXX XXXX  regarding lane bryant credit card XX/XX/XXXX received 5 calls in 6 hours between XXXX XXXX  and XXXX XXXX  regarding same lane bryant credit card XX/XX/XXXX. Received XXXX calls between XXXX and XXXX XXXX  regarding same lane bryant credit card with payment already scheduled for 5/22 in past due amount of {$37.00}.

Amount past due is {$37.00}. Lane Bryant attempting to collect past due {$37.00}, and future due {$22.00}.

Lane bryant representative states that my account will remain in the past due status until I also pay the future amount due of the {$22.00} that is not due until XX/XX/XXXX ( 3 more weeks ). I understand that this means that I may continue to receive 7-8 calls per day at work until I pay the future amount due.
Product: Debt collection

This debt is not mine, I have attempted to correct this matter but have been unsuccessful.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding inaccurate credit reporting by Citizens One  XXXX. The company has reported incorrect and inconsistent information to all three major credit bureaus ( XXXX, XXXX, and XXXX ), which has significantly impacted my credit score and financial standing. 

Specifically, the discrepancies include : Inaccurate Late Payments : Citizens One XXXX has reported late payments on my account, although I have never been late in making a payment. 
Inconsistent XXXX XXXX Credit Bureaus : The information regarding my balance and payment status is not consistent across all three credit bureaus. For example, the balance reported by Citizens One  XXXX is different from what is listed on my actual statements, and payment statuses vary from XXXX bureau to another. 
Incorrect Balances : The reported balance on my account with Citizens One  XXXX is incorrect, which is also affecting my overall credit utilization. 
I have already attempted to resolve these issues directly with Citizens One XXXX by [ briefly describe any attempts to resolve the issue, e.g., calling customer service, submitting disputes ], but the discrepancies have not been corrected. Despite these efforts, Citizens One XXXX continues to report inaccurate information, which has led to a negative impact on my credit report. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that accurate information is reported to the credit bureaus. I also request that Citizens One XXXX be held accountable for their failure to correct the inaccuracies in their reporting. 

Thank you for your time and assistance in resolving this matter. Please let me know if you require any further information or documentation to support my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint with Transunion is that XX/XX/XXXX. Transunion added to my credit report, XXXX Account # XXXX. I disputed this in XXXX of XXXX in which Transunion removed this account. Proof of deletion is attached. During a review of my credit report I noticed in XXXX. Transunion reinserted this account in which I disputed again and was told it was verified. I know this can't be so If it was investigated the first time and removed. This is in a violation with the Fair Credit Reporting Act Laws. 15USC 1681a [ 1 ] Reinvestigation required [ A ], & 15USC 1681s-2 [ 9 ] Duty to provide notice of status as medical information furnisher. & 15USC 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] i, ii. [ B ] I, ii, iii. [ 1-3 ] [ C ]. & 15 USC 1681s-2 [ 8 ] Ability of consumer to dispute information directly with furnisher [ E ] [ 1-4 ]. 
Along with that issue, I have submitted numerous letters and made phone call in attempt to removed inaccurate inquires off my credit report that are not accurate. These are also in violation of my 15USC 1681 section 602A & 604A. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX In addition please send me the names. business address and phone numbers of those who made these unauthorized credit inquiries so I may contact them directly.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred.Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits.This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds.I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I sent in a dispute on 5 different credit cards about incorrect balance, which Experian has decreased my credit score tremendously. Several of the accounts have a XXXX balance. The dispute was sent today XXXX and Experian responded within 1-2 hours with no charges. Also, my student loans were paid off recently, but the credit bureau did not adjust my score.
Product: Credit card

Having just received my Citi XXXX recently ( XX/XX/XXXX ) and got my account set up. I was trying to add the card to XXXX XXXX  app ( XX/XX/XXXX ) .It was working fine until the verification step. Selected sms option and no message came through. Selected the call me option and see no call. Tried it with different number and it stucks at the same step. The last option was to call citi bank and here 's how the conversation goes : Me : hi, i wasn't able to receive sms and call to verify my card when adding the card to XXXX XXXX 

Rep : let me try sending the text again.

Me : still no text.

Rep : do you have any other phone number to verify? ( Wait this doesn't make sense. They should only use the phone number listed on the account, which is the same number I'm using for this call. This is the opposite of the identity verification and help produce more fraud. Tried it with my husbands number Me : I still don't see any text either Rep : do you have any other account with us? 

Me : yes. XXXX citi card Rep : ok, we will send the code through snail mail ( why not use email on file? ). Then hung up very rudely.

Logging in my online account after and see the account is flagged for fraud and told me to call the fraud number line so i did. Explain the situation to the 2nd Rep and got the same conversation.

I end the call and talk to tmobile tforce. They said that my line isn't blocking any text or phone number and nothing they can do. Since i was able to receive short text from other banks and accounts so i agree with what they said.

So once the mail comes and i get to verify it once. If the next time i need to do it again, i know that i will get the same experience. So now I'm left with a new card that i can't ever verify using my phone number. What a XXXX system from Citi and I'm really disappointed. Also, they have already charged me with XXXX $ annual fee and started rewards cycle. I can not spend with blocked card and hence can not earn rewards. Citi bank customer service is the worst and they are scamming people.
Product: Vehicle loan or lease

Dear HMF : Thank you for your response to my original complaint submitted on XX/XX/2023 ( Ref : XXXX ). Please note that I do not accept an apology for miscommunication. And the case is not closed because no resolution has been discussed and reached. 

First, it is not just miscommunication. I was provided with wrong, inaccurate information by multiple customer representatives. And those misinformation have consequences, which HMF is responsible for resolving them for me. 

Secondly, I am paying more than what I was supposed to pay to buy out my lease ( pay off in full ) because of the delay caused by the inaccurate information. Please refer to the two buyout letters generated by your system : one generated on XX/XX/ quoting me the total purchase price of {$42000.00} ; the other one generated on XX/XX/2023 quoting me a higher total purchase price of {$42000.00} ( both letters saying the quotes expiring on XX/XX/2023 ). Please explain the difference. 

Thirdly, I was ready to pay off my lease so I came down to the dealer XXXX XXXX in XXXX XXXX on XX/XX/ to do the payoff. I wanted to pay off my lease before the XXXX payment is due ( XXXX payment is due on XXXX XXXX XXXX  ) but because of all the wrong information given by HMF customer representatives, the payoff has been delayed and XXXX payment was deducted on XX/XX/XXXX  even though it is not even due. 

I request HMF to fix all the mess they created and make sure my lease is paid off as I intended originally. I refuse to pay any additional charges/fees caused by their incompetence & irresponsibility Best XXXX  XXXX
Product: Debt collection

In XX/XX/XXXX, I made payment arrangements with Client Services regarding XXXX XXXX XXXX, XXXX. to settle the account in full under the condition that they would remove the account from my credit report. The company agreed. I have been unable to get this removed or updated on my credit report. I was told that it would be removed. That has yet to happen and its been over a year. They also have told the credit bureau that the account is reported accurately and that is not the case. Payments were made and the settlement letter was sent, but a year later, after exhausting all attempts at having XXXX XXXX XXXX XXXX/Client Services remove the account from my credit report, they continue to report negative information on my reports. Account is closed and paid so it needs to be removed from my report. Account Number XXXX XXXX XXXX XXXX, reference number XXXX, Creditor : XXXXXXXX XXXX XXXX, took payment to close this account on XX/XX/XXXX.