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

XXXX XXXX acct # XXXX is inaccurately / inconsistently reporting data on my consumer reports. This is negatively impacting my credit scores, let alone my character, and causing loss of ability to secure a mortgage with my fianc. I want these damages to END!!! 

Inaccurate/inconsistent on XXXX and EQUIFAX and XXXX. 
The statuses on all 3 reports do not align. The account was closed ( NOT CANCELED ), and was paid AS AGREED UPON.

The balance update dates are inconsistent on all 3 agency reportings.

Further, the payment histories are collectively misrepresented in their reporting, and also negatively impacting my credit scores, let alone my character, and causing loss of ability to secure a mortgage with my fianc. The account is CLOSED therefore NOTHING is late WHATSOEVER. 

I have attached screen shots of all the discrepancies, circled. 

15 USC 1681e states : ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681i states : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 USC 1681n states : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

PLEASE UPDATE ALL STATUSES TO PAID AS AGREED AND CLOSED. 
PLEASE *** DELETE *** PAYMENT HISTORIES.
Product: Student loan

I previously submitted a complaint here (XXXX) and, as a result of CFPB's help, FedLoan   approved a retroactive payment. The terminology used to refer to that payment is "PSLF override for XX/XX/19." I had to make that payment within one month of the override approval so during the month of XX/XX/2019 I made a total of two payments to FedLoan. One was my regular monthly loan payment and the second was the approved retroactive payment for XX/XX/19.     FedLoan failed to properly credit my second payment as the "PSLF override for XX/XX/19" and instead counted that second XX/XX/2019 payment as my XX/XX/2019 regular monthly loan payment. That incorrectly put my account in "paid ahead" status.     During the month of XX/XX/2019, after I received the incorrect billing statement stating I owe no payment for XX/XX/XXXX, I tried repeatedly to get FedLoan to correct the error. I wrote to them twice and called them twice. They did not fix the error nor did they respond to my communications. My billing statements for XX/XX/XXXX and XX/XX/2019 were also incorrect and showed that no payment was due as my account was in "paid ahead" status.     I made my regular monthly payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But because FedLoan has, once again, messed up their records, those payments will not count towards my PSLF total.      I need FedLoan to properly credit my extra XX/XX/2019 payment to the approved PSLF override for XX/XX/19. Then I need them to correct their records with respect to XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 so that the payments I made those months are properly credited towards my PSLF total. Finally, I need FedLoan to ensure that the "paid ahead" status is removed from my account and that my XX/XX/XXXX billing statement is correctly issued reflecting my required regular monthly payment.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN 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.

EXPERIAN 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: Payday loan, title loan, or personal loan

I HAVE SPOKEN TO THE REPRESENTATIVES AT ATLAS CREDIT IN REGUARDS TO THE CONTANT CALLS. I CAN NOT ANSWER MY PERSONAL PHONE AT WORK. NOW THEEY ARE BUGGIN MY REFERENCES. BY THE TIME I GET OUT OF WORK I CAN NOT GET ANYONE THERE ON THE PHONE I LEAVE TOO LATE. PHONE NUMBER IS TO ATLAS CREDIT IN XXXX XXXX XXXX XXXX IM RUNNING BEHIND ON MY PAYMENT AND I AM VERY WELL AWARE BUT MY NEXT PAYMENT I CAN NOT SUBMIT TIL THE 15TH. THIS IS BECOMING HARRASSMENT AT THIS POINT PLEASE HELP!
Product: Credit reporting or other personal consumer reports

All items that were found to be unauthorized, including the fraudulent inquiries from XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  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. These are account I want DELETED AN ARE UNAUTHORIZED Has no permissible use and are not accounts that I have had relationships with an are reporting on my credit file without my consent Please delete
Product: Credit reporting or other personal consumer reports

I never received my e-statement, yet I've received all of my statements and receipts from them for the past XXXX XXXX years and I received the late payment notice at the same email address as everything else. 

Upon logging into my account the statement shows a due date of XX/XX/28. The bill was paid in full, as soon as I received the notice, on XX/XX/XXXX. That makes my payment XXXX days late NOT XXXX days late as their agent told me repeatedly.
Product: Mortgage

Wells Fargo has claimed a payment of mine has not been made due to a mobile payment being attempted with incorrect account information. I always conduct on-line bill payment, and for the payment in question, I provided proof from my bank that funds were received on-time. Since then, several months have continued, and late charges are being assessed. In my attempt to resolve this, I have been in contact with XXXX people and no closer to admitting Wells Fargo was at fault. My case was re-opened after I disagreed with the first conclusion, and now a new case worker is starting the investigation process all over again. Unbelievable!
Product: Credit reporting, credit repair services, or other personal consumer reports

In or about XX/XX/2020, I disputed XXXX XXXX XXXX  XXXX ' entry that was on my credit report. The credit reporting agencies completed their investigation, but did not remove the entry. In or about XX/XX/2020, I mailed a certified letter to XXXX XXXX XXXX XXXX requesting debt validation. They did not respond within 30 days per The Fair Debt Collection Practices Act, but they continue to report this debt on my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

My Mortgage ( with my escrow account ) was sold to Wells Fargo 8 months ago and they have been mismanaging it ever since. I would like to get compensated by them for costs I incurred and time wasted due to their mismanagement.

-Wells Fargo didn't pay my property tax on time, incurring a {$45.00} late fee that came out of my escrow account -Wells Fargo didn't process the insurance document I provided them ( a few times ) and that caused them to buy supplementary insurance policy for {$1400.00}, which later they refunded to my escrow. Dealing with that took me close to two hours on the phone with them -Wells Fargo is miscalculating my insurance costs, resulting in my monthly payment being {$300.00} higher than it should be -Wells Fargo phone agent are providing very low level of service, most calls result in them needing to further research but they never follow up as they promise to. This results in me having to call many times.

-Wells Fargo refused to cancel the escrow on my mortgage. Despite the fact I made multiple requests to manage my own tax and insurance payment, in light of their severe incompetence in managing my escrow account
Product: Checking or savings account

Resolution of customer issues through the standard phone support channel is hindered by the fact that the vast majority of their representatives operate from foreign countries. The phone connections to these representatives are consistently plagued by noise, jitter, dropouts and instability. This creates a significant barrier to effective communication. Sometimes the phone connections drop during the calls, which requires the customer to have to restart the entire process. 

Furthermore, the foreign-based representatives often struggle to comprehend US English, compounding the difficulty in resolving issues over the phone. Even after multiple attempts to seek assistance through phone calls, problems persist, compelling customers to escalate their grievances by submitting complaints to the CFPB. 

It should not be necessary for customers to have to routinely go through the lengthy and tedious process of ( 1 ) submitting a claim ; ( 2 ) calling customer support to have corrections made ( that are often still not actually made ) ; ( 3 ) submitting a complaint to the CFPB ; ( 4 ) have an Optum Bank rep in the USA respond to the CFPB complaint by requiring the customer to fill out a paper form that duplicates their online submission ; ( 5 ) submit the paper form and supporting documents by email, fax or regular mail.
Product: Student loan

This is the second time I have complained about Navient charging me late fee when my payments are on time and even early. I have tried paying the late fees to end this bur they turn around and charge me more late fees. This appears to be their way of padding their income from borrowers. I even called to get what I owed to include " late fees '' and sent that amount, and I just got another letter from them claiming I have not paid my " late fees '' I have no idea how to put an end to this since paying the fee only gets me a new late charge. I never received a response from Navient on my first complaint so dealing with them is pointless.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

This Was Part Of Divorce Decree On XX/XX/2021 Decree # XXXX XXXX  It is not my financial Obligation Anymore, as it belonged to my Ex Spouse. I was Relieved from my debt by a court order, Ordered by A Judge XXXX XXXX In A XXXX, Washington XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX : XXXX XXXX Account # XXXX Transunion : XXXX XXXX Account # XXXX XXXX : XXXX XXXX Account XXXX : XXXX XXXX
Product: Debt collection

I received a letter from COMMONWEALTH SYSTEMS INC stating i owe XXXX for a Medical bill. this account was on my reports before about 4 yrs ago. another Collection Agency had this account first. this account was disputed and removed. now a few a years later COMMONWEALTH FINANCIAL SYSTEMS INC is reporting the same account on my XXXX and XXXX   reports now. they purchased this account from the original collection agency, XX/XX/2019. This account is causing problems for me getting approved for a Home and  other things.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX NV ) XXXX XXXX XXXX {$2900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$900.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Debt collection

They have not been trying to resolve the problem.i gave reports from XXXX, still no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX, WELLS FARGO HM MORTGAGE XXXX, XXXX XXXX XXXX CO XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Opened XXXX, XXXX XXXX ( Bank ) inquiry, XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX have violated my rights pursuant : 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

15 U.S.C 1681n. Civil liability for willful noncompliance ( a ) ( 1 ) ( A ) ( B ) and ( b ) Civil liability for knowing noncompliance
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. I am a Consumer that resides at XXXX XXXX XXXX XXXX XXXX, FL XXXX, in XXXX County . I am writing this complaint because I submitted complaint : XXXX on XX/XX/XXXX/2023, however, Experian opened the complaint on XX/XX/XXXX2023. As ofXX/XX/2023, it has been well over 30 days. According to 15 U.S.C 1681i, Experian has to delete this information since Experian has not verified the accuracy of this information. This information should be deleted within ( 7 ) days of receipt of this NOTICE. THIS IS INTENT TO SUE if this information is not deleted. I, XXXX XXXX, will assess a fine of {$1000.00} per day upon receipt until deletion of this information pursuant to 15 U.S.C 1681n.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance with a matter that has significantly damaged my credit score through unauthorized and repeated credit inquiries made by XXXX XXXX XXXX  XXXX XXXX. ( XXXX XXXXXXXX XXXX  XXXX On XX/XX/2025, I purchased a vehicle from XXXX XXXX XXXX I was informed by my sales representative and finance manager that my financing was finalized ; as a result, I received my paperwork and took possession of the vehicle. Soon after, on XX/XX/2025, and over the following weeks, I provided the requested additional documentation ( VIN, insurance details, etc. ) without knowing that my loan approval had never been submitted to Bank of America. 

Due to multiple errors on the dealerships partincluding misrepresentations regarding financing finalization and repeated, unauthorized credit pullsseveral ( 15 in total ) credit inquiries were made without my consent. Despite my clear instructions to halt further inquiries ( and my decision to return the vehicle on XX/XX/2025 ), these inquiries were not stopped. As a result, my credit score has dropped by approximately 100 points. I have retained all evidence of my communications with the dealership, including emails, text messages, and call recordings that demonstrate : The dealerships misrepresentation that my loan was finalized when, in fact, it was never approved ; My request to stop further credit inquiries ; and The unauthorized re-submission of my credit information despite my efforts to correct the situation.

This series of events appears to be in violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681i, credit reporting agencies are obligated to ensure that disputed information is investigated and corrected if inaccurate or unauthorized. Additionally, repeated unauthorized inquiries may be considered a violation of my rights under the FCRA and state consumer protection laws.
Product: Debt collection

In XXXX, an operator for the company misrepresented herself as being a representative for XXXX XXXX XXXX XXXX XXXX XXXX, claimed that service could not be restored until a payment of {$5000.00} had been made, both of which were inaccurate, and pressured me into a payment arrangement I could not meet. 

Once I learned that she was not, in fact, calling from XXXX, I resolved the matter with them directly and instructed the company to never call me again. 

On XX/XX/XXXX, an operator from the collector called me at work with falsified Caller ID to make them appear to be calling from New Jersey, not Texas where they are based. Operator refused to identify themselves as debt collectors, instead claiming they had an " important business matter '' to discuss. 

Call came while I was at work, during a busy period, and their call and delays by refusing to identify themselves caused me to miss a deadline at work that day, putting my job in jeopardy.
Product: Credit card

There were XXXX fraud transactions on my XXXX Bank of America Credit card ending in XXXX On XX/XX/XXXX at XXXX XXXX XXXX for {$460.00} which was automatically flagged by BOFA as suspicious and asking me to Authorized. I replied NO to this question and the charge was not applied to the card. 

On XX/XX/XXXX XXXX fraud transactions were done on my XXXX Bank of America Credit card XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX # XXXX XXXX WA {$120.00} These were not flagged by BOFA as suspicious and they appeared on my credit card transactions list. 

When I saw these pending transactions, I immediately disputed them as fraud and raised a claim with BOFA Claim no : XXXX. I also cancelled & suspended the credit card and requested a replacement. 
BOFA declined the fraud claim with the following reason : We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. 

However this was not the case, since the said card is still in my possession. I re-raised the claim in XXXX and it was denied again with the same aforementioned reason.
Product: Checking or savings account

On around XXXX on XX/XX/2020 I woke up to see that on my Chime Checking Account someone had hacked into my account and used the Pay Friends feature to send themselves {$810.00} of my money to their account without my consent. I have placed a police report, and a dispute of the charge through chime and I am awaiting a resolution. They dont seem to have good communication nor do they really seem to care about getting your money back to you.