23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX i had a major XXXX accident where i had to be taken to the XXXX, before that, in the accident site someone stole a few of my belongings from the vehicle, including my wallet, the thief used my debit card from Citibank, fraudulently, i have already contacted police and an arrest will be made in connection with this unauthorized use of my card. 

I have also contacted my bank, and they have done a horrible job, the case was denied and closed within XXXX hours after being opened, they didnt even review the case or even paid attention. 

I have been trying relentlessly to recover my hard earned money, i have sent citibank numerous pieces of evidence to show them i was a victim, they are not doing the proper research and i am already hiring a XXXX 

Please help by creating a case as i will need this for XXXX XXXX, per their request.
Product: Credit reporting or other personal consumer reports

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


This was clearly a billing error made 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 reported in XXXX  days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX, XXXX XXXX, XXXX & XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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


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


Delete the late payments from my consumer reports XXXX
Product: Money transfer, virtual currency, or money service

XXXX bank just informed me that cash app resent my {$200.00} to a closed account with XXXX at XXXX PM on XX/XX/2021, after I just reported on XX/XX/2021 that I made a mistake. I no longer have an account with XXXX and I updated my new bank account information on XX/XX/2021. I am not understanding why you all will not allow XXXX to resend the {$200.00} back to my cash app account per policy. This is highly unprofessional, errant, and inconveniencing. I earned this money direct deposited into my account on XX/XX/2021 via cash app. It should not take several days to reimburse money from a closed account back to cash app. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have smelt plenty of documents to experience and they only will send a credit report I ask to investigate and tell me where they got there information from that I have a bankruptcy on my credit report and they didnt do that its just been the same update on my credit report that did not verify where that got the data its been a real hassle dealing with for over a year and nothing has been done my next step is to flie a lawsuit against experian for the false information that is placed on my report from them please get this removed from my credit report ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX  XXXX Date Opened : XX/XX/2021 Balance : {$41.00}.
Product: Mortgage

On XXXX I received from XXXX XXXX a real property foreclosure warning on my property that is currently mortgage with Roundpoint mortgage servicing LLC. I reached out to XXXX XXXX to understand the problem and it turns that no tax payments have been paid to my account for my property since XXXX, and that I should reach out to my lender. I then analyzed my escrow statements, and they show disbursements for tax payments in the values that the county expect me to pay. 

On XXXX I reached out to Roundpoint, and they initiated a case to investigate the issue. I then reached out to them via phone calls on XXXX, XXXX, XXXX and then again on XXXX to ask about the status of the case, but couldn't get any substantial updates on the progress of my case. I also e-mailed them several times in the meantime. 

Now, as I look at their loan portal, I see a disbursement from the escrow in an amount that closely matches the amounts I'm supposed to pay the county, but I can't get any information on this disbursement, and XXXX XXXX has confirmed that they haven't received anything yet.
Product: Student loan

Navient has unfair business practices for my private student loan and violates regulation z, p, unfair practices etc. 

they have never provided a payment schedule to me, leaving uninformed how I continue to pay money and my loan never resolves. 

they don't provide any tax documents, how interest is capitalized, how extra payments don't all go towards principle and end up paying interest and principle even if in excess I've been on public assistance for basically the life of the loan and my cosigner is also disabled getting permanent XXXX. 

I've provided over 8 applications for cosigner release in the past year and they have no responded to any of my applications with how to submit whatever random evidence they need or require.
Product: Credit reporting or other personal consumer reports

Heres a rewritten version of the text for your credit repair dispute : I am filing a complaint against XXXX for failing to conduct a proper investigation of my disputes regarding inaccuracies in my credit report. Despite submitting supporting evidence, XXXX consistently responds within 24 hours, claiming the account is accurate, without demonstrating evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a reasonable investigation of disputes. Additionally, XXXX actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as outlined in the CFPBs recent administrative actions. as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

BANK OF AMERICA is reporting a fraudulent account on my credit report. I have contacted them multiple times and I also contact XXXX to remove it but they have keep this account that is preventing me from obtaining necessary financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I think my information may have been impacted by a data breach and got into the hands of the wrong person. I did not authorized any of these. I have filed identity theft reports and will enclose them in this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time that I am disputing, yet the erroneous items still remain, I am redisputing again as a follow-up that the disputed items must be deleted because I have no affiliation with them. 

Kindly remove the following items for I have no relation with them : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reporting in Accurate lates payment U.S.C. 15 code 1666b creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX
Product: Payday loan, title loan, or personal loan

The reason for submitting this complaint against Navy Federal Credit Union is their violation of my rights by disclosing my creditworthiness to third-party non-affiliates, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite my attempts to resolve the issue internally, Navy Federal has failed to address the matter, necessitating the involvement of regulatory authorities such as the Consumer Financial Protection Bureau ( CFPB ) or the Federal Deposit Insurance Corporation ( FDIC ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M A VICTIM OF IDENTITY THEFT. THESE ITEMS ARE NOT TRANSACTIONS CONDUCTED BY ME AS A CONSUMER. XXXX  XXXX XXXX ...., XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT HAS NEVER BEEN LATE, PLEASE CORRECT TO SHOW PAID AS AGREED, NEVER LATE : XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

Received notification that a Collection account from ACCELERATED FINANCIAL had been placed on all 3 major reports named as XXXX   XXXX, the account went delinquent 30 days or more in XX/XX/XXXXand was never brought current, after numerous calls & even uploading a credit report dated XX/XX/XXXX reflecting the account should be removed as of XX/XX/XXXX, due to First Date of Delinquency. advised after numerous calls the debt was no longer collectible & should be immediately removed to which the suggestion was made they say you owe it, I going to offer you the lowest possible offer I can to get this squared away can you pay {$500.00} & this will be taken care of, I advised I would not as this debt is no longer collectible.I find it disheartening that information can be added to reports just by simply sending to credit bureaus after this my scores dropped 40,29 & 31 points.
Product: Mortgage

Rushmore Servicing has scheduled a foreclosure date of XX/XX/XXXX. Rushmore Servicing denied my request for a loan modification and provided options for liquidation. Suggesting the only option was to sell our property. Although Rushmore Servicing provided the liquidation option, they immediately set a foreclosure sale date for XX/XX/XXXX. We obtained a ratified offer to sell our home and present this to Rushmore. The sale of the house would allow Rushmore to receive payment in full and for us to receive over {$50000.00} in profit from the sale. Rushmore has denied our request to postpone the foreclosure sale date of XX/XX/XXXX, to allow the purchase contract to go to settlement on XX/XX/XXXX. 

I believe XXXX XXXX practices are consistent with XXXX XXXX. The Dodd-Frank Act, specifically Title X ( the Consumer Financial Protection Act of 2010 ), prohibits a practice known as dual tracking. Dual tracking occurs when a mortgage servicer proceeds with both foreclosure and loss mitigation options while the borrowers application for a loan modification is still under review1. This protection ensures that struggling homeowners have a fair process to avoid foreclosure and are not surprised by foreclosure proceedings while exploring available options. This practice violates federal law ( 12 C.F.R. j 1024.41 ). The Consumer Financial Protection Bureau, which was established by the XXXX XXXX XXXX XXXX and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual-tracking In addition, I believe Rushmore Servicing masterfully crafted a situation to equity strip us out of several tens of thousands of dollars, which I think is criminal, predatory, discriminatory, and cruel. 
Rushmore Servicing has continued denying the request to postpone the sale date of XX/XX/XXXX. This prevents us from making full payment to Rushmore Servicing and obtaining over {$50000.00} in profit, which would be crucial for us to restart again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax by phone and mail and I was explained that they would be deleted but are still showing on my report
Product: Mortgage

I can not current make any payments to my current mortgage account thru their online platforms ( both web browser and mobile apps ). There's no way to currently make a payment as their system states the following when trying to submit payment : Online payment scheduling is currently unavailable. The most likely reason is you have already scheduled an online payment. To see all currently scheduled payment dates, check the " Scheduled Payments '' tile. If you have not previously scheduled a payment, or need assistance, please call XXXX. 

I have not made or schedule any payment, as again the system wont allow me to make any payment.
Product: Credit card or prepaid card

XX/XX/XXXX statement cycle : XX/XX/XXXX-XX/XX/XXXX, Due date : XX/XX/XXXX, Balance due : {$1100.00} Paid by due date : {$880.00}, Amount I accidentally forgot to pay by the due date : {$240.00} payments regarding this {$240.00} : XX/XX/XXXX Payment 1 {$20.00} XX/XX/XXXX Payment 2 {$200.00} XX/XX/XXXXPayment 3 {$21.00} Interest Charged : {$42.00}!!!!!!!

XX/XX/XXXX statement cycle : XX/XX/XXXX-XX/XX/XXXX Due date : XX/XX/XXXX, Balance due : {$3100.00} Paid by due date : {$3100.00} ( Full balance ) Interest Charged : {$52.00}!!!!!!!

Since I'm an accountant, I have an extended XXXX spreadsheet to prove them wrong. They don't charge their interest on the amount due, but on the whole amount that you used on your credit card! even if its ' paid before the due date ( They calculate the average daily balance which is a wrong method because it includes the transactions you already paid off! ) I talked to two supervisors from Capital One and I have their ID numbers as well.

For the second one I said : So if I have {$10000.00} credit line and I use {$9000.00} of it on one month and pay {$8800.00} of it before the due date, you will charge me on the whole {$9000.00}? and she said : " YES ''.

Then I said, so you charge people for interest on the amount that they already paid, correct?

She said : " YES ''!

This complaint is not only for me, I want to help other people from getting ripped off by this bad business practice.
Product: Debt collection

The XXXX XXXX  XXXX bank claims That I opened a personal checking account this year and used their credit line. They claim I owe {$600.00}. I never opened this account and in fact closed my joint account with my father this year after paying off the balance. This is a fraudulent collection attempt
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am a Federally protected Consumer. I am initiating this complaint in order to address the unfair, impartial, and inequitable behavior of the consumer reporting agency EXPERIAN in regards to a recent Fraud Alert which was added to my consumer credit profile without my expressed written instruction, consent, or authorization. After providing specific written instructions pursuant to [ 15 USC 1681b ( a ) ( 2 ) ] regarding what personal identifiable information was authorized to be furnished on my consumer credit report, an agent, authorized representative, or employee of EXPERIAN elected to place a Fraud Alert on my account, and subsequently notified XXXX, and XXXX that a Fraud Alert was requested by the consumer. IT IS A FACT THAT I DID NOT AUTHORIZE A FRAUD ALERT to be placed on the account and I DID NOT PROVIDE ANY PERSONAL STATEMENT regarding a Fraud Alert to be added by EXPERIAN or any other credit reporting agency. EXPERIAN as a repeat offender and violator of the FCRA, continues to habitually demonstrate its disregard and lack of respect of my rights as a consumer by deliberately and willfully failing to comply with its obligations under the FCRA. I have attempted multiple times to address this issue by directly calling the EXPERIAN Fraud Department, however each attempt has been unsuccessful. EXPERIAN as a consumer reporting agency governed by the FCRA has no authority under Federal Law to willfully and deliberately ignore the specific written instructions of the consumer made pursuant to [ 15 USC 1681b ( a ) ( 2 ) ] regarding what personal identifiable information is authorized to be furnished. EXPERIAN is once again willfully and deliberately reporting INACCURATE INFORMATION on my consumer credit report in violation of the Fair Credit Reporting Act by failing to furnish information in accordance with the written instructions of the consumer. It is hereby required under Federal Law that this agency immediately remove or delete the unauthorized Fraud Alert and the Unauthorized Personal Statement pertaining to the Fraud Alert.
Product: Credit card

On XXXX XXXX, 2016, I went to my local Best Buy store to make a payment on my Best Buy Visa Gold account. I was advised at that time that my card had been closed out and they could not take a payment from me. I then contacted Best Buy by phone and paid off my account in the amount of {$300.00}, leaving a zero balance. 
On XXXX XXXX, 2016, I received an email from XXXX XXXX stating that my account was 30 ( thirty ) days past due. I then contacted Best Buy to attempt to straighten out my account and make sure this did not reflect badly on my credit. 
On Monday, XXXX XXXX, 2016, in response to my phone call, I received a letter from Best Buy Credit Service stating that they are unable to change the information reported to the credit agencies about my account.
Product: Credit card

Since XX/XX/XXXX ive been repeatedly asking Tomo Boost to cancel my account and refrain from taking anymore money out for their subscription. They continue to keep replying back with why are you canceling please provide reason. It is now XX/XX/XXXX and no resolution. I was referred to this site by other users having this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove the inaccuracy reporting on the following accounts : XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ... XXXX credit bureaus showing different high credit balance, where are these numbers come from? Remove the accounts because the payment did not show the correct history
Product: Debt collection

I am filing this complaint because Medical Data Systems is in non-compliance of the FCRA and FDCPAI was given no time notice from Medical Data Systems or the credit bureaus before placing the inaccurate, unvalidated information in my credit Report. Documentation sent as validation is a violation of the HIPPA Law. On XX/XX/XXXX I reviewed my credit report and found Medical Data Systems. XX/XX/XXXX I mailed 2 letters certified due the reporting contact info 2 different address on XXXX and XXXX and at that time they were not reporting on XXXX. On XX/XX/XXXX letter sent to XXXX and XXXX to Validate debt, No Response as of XX/XX/XXXX. I recd a letter dated XX/XX/XXXX from Medical Revenue Service with documentation and nothing on the cover letter that they are one and the same as Medical Data Systems, their mail address is po box and their name is not on credit report. a copy of a statement sent to an address that is not mine. breakdown of charges along with type of treatment and procedure codes and a copy of privacy practices. On XX/XX/XXXX I mailed a letter to Medical Revenue Services requesting any agreement from their client that granted them the authority to collect on this debt, or proof of acquisition or purchase or assignment, I needed to know why they have information this sensitive. No Response.XXXX  sent a letter notifying them they were in non-compliance FCRA Time of Notice. Again, asked for copy agreement and a copy of any HIPPA Authorization, XX/XX/XXXX sent letter to XXXX XXXX XXXX informing them furnishing my information to Medical Data Systems DBA Medical Revenue Service is not in compliance with HIPPA. No Response. I am also enclosing letters sent as of today to the credit bureau regarding the inaccurate reporting on and unvalidated account along with screen shot of this account from my XXXX monitoring highlighting inaccurate information.
Product: Debt collection

Back on XXXX I summited a complaint about incorrect information. On XX/XX/XXXX they said they fixed the amount which was XXXX less that what was being reported.then on XX/XX/XXXX it goes back up to the same amount that was being disputed. How in the matter of 6 days can the amount go back up to the XXXX??
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was in forbearance since around XX/XX/XXXX through XX/XX/XXXX. During this time, XXXX XXXX XXXX ( XXXX ) reported my loan delinquent twice. I applied for credit in XX/XX/XXXX and was advised of the delinquencies were reported between XXXX and XX/XX/XXXX. I contacted XXXX over the phone and through their customer web portal to request the removal of the derogatory items. I was advised both times that they would look into the matter and resolve. Over the past month, there has been no further correspondence nor any updates to my credit report. I advised that under the CARES Act, they were not supposed to report my loan late, just in forbearance status.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is to follow up any response from you after 30 days of investigation. As I reviewed my Credit Report I have noticed that there is still an item that is reporting as inaccurate and incomplete information. Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of the disputed information within 30 days. I am seeking your assistance in the verification of the disputed data from my credit report. 

XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/2016 Balance : XXXX XXXX-Late/Open Late Dates XXXX
Product: Credit reporting or other personal consumer reports

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.