23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The mortgage company made the same mistake twice. My payment came late because they pulled from the wrong account which had insufficient funds. I had automatic payments setup. I called multiple times before during and after the processing of the money.Before, I would call to verify what account it will be taken out of, and they would tell me account # XXXX the account I want. Then on payment date they take money from account # XXXX. During the time period of the processing they would tell me my mortgage is paid, and I dont have to worry. A few days later I would get a mail saying my payment is late. I called again to get that payment arranged from the right account. The first time they waived the late fee. In that call I asked which account it will be taken from for the next mortgage payment and they tell me it will be from account # XXXX the account I want. a few days beforehand I would call to verify that. They made the same exact mistake again. Processing seems takes about XXXX  days it I would receive a mail until about XXXX days later that my payment is late because they pulled from the wrong account. The second time, after seeing them pull from account # XXXX. I literally had to drive over to pull money from account # XXXX and put it in account # XXXX. It seems it was not accepted in time or something because I still got mail a few days later of a late charge. I called many times, and I just spoke to a manager now and he says they dont have notes of all this happening. They only have notes of when my payment was made, being late and waiving the first fee. They said they can not do anything for me for their mistakes, and making the same mistake twice. They ( Planet Home Lending ) are still charging me a fee for their mistakes.
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. XXXX, Equifax, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : 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
Product: Mortgage

To date Freedom has failed to favorably address my request for forbearance on my loan on XX/XX/XXXX. Foreclosure proceedings have begun, and the documents recorded in the Notice of Default state that Freedom has not denied forbearance since XX/XX/XXXX which is false. Freedom has denied my request for a formal forbearance since XX/XX/XXXX. In addition, Freedom continues to put in writing that the offer made for loss mitigation is based on an incomplete application which is also false as noted in the communications attached below. I immediately submitted ALL requested documentation in XX/XX/XXXX. While Freedom continues to present as making efforts to assist by making an offer that clearly does not address my continued requests for forbearance, my hardship remains. I provided a complete application back in XX/XX/XXXX. Please see communication attached below.
Product: Credit card or prepaid card

filled out a capital one credit card and the response was that i already have one or two.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home and in doing so I had to pull my credit reports and found there is an inaccurate item and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ( 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. I know that under 15 U.S. Code 1681i ( 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. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX : ACCOUNT # : XXXX I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. This account is showing 30 days past due twice according I have attached a copy of my Drivers License and Billing Statement for identity verification and a bill for address verification.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate this account from XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Sec fin # XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

My husband and I submitted investigation requests to XXXX and Trans Union on XX/XX/XXXX. More than 30 days have past, and we have yet to receive responses.
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 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 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: Checking or savings account

I have a checking account with Chime Bank and as soon as I noticed that there were unauthorized transactions on my account I called the bank to report the fraud. I called 2 days from the last posted unauthorized transaction as soon as I noticed it when I logged in, online. There are a total of two unauthorized transactions from XXXX XXXX a gym that I have never had a membership with before. The charges are XX/XX/21 {$62.00} and XX/XX/21 {$49.00}. Chime Bank stated that they would do their research and contact me back with the results of the investigation to see if I would be refunded for these fraud charges. They told me that they would get back to me with in 10 days, but they got back to me via email with in 2 business days and told me that the charges are valid. They also said the work was on me to prove that they are fraud charges or unauthorized. How do I prove a fraud that I never did or a charge that I never initiated? I feel unprotected by Chime their promise to protect me against unauthorized transactions. There are multiple stories online on review sites of this company not protecting consumers against fraud transaction and refusing to refund the consumers who called in to report these transactions.
Product: Credit card

I looked at my Citibank Double Cash card on XX/XX/ 2024, and I found a long list of unauthorized charges beginning on XX/XX/XXXX, total up to between {$1000.00} - {$1600.00}. I logged into my Citibank app and reported my card lost/stolen immediately, and flagged all the fraudulent charges to Citibank. Because some of the charges were still pending and did not have a dispute charge button for me to click on, I called into Citibanks fraud department on Tuesday, XX/XX/XXXX at XXXX PST and spoke to a fraud specialist to ensure that all unauthorized charges would be marked as fraudulent. As I was waiting for their decision, Citibanks fraud department called me back and asked me a series of questions again about my charges ( I do not remember the date of this call ). The fraud specialist ensured that I would not be liable for any of charges during the investigation period. Today, XX/XX/2024 at XXXX PST, I checked for an update on my fraud charges, only to see that Citibank decided that I would be liable for almost every single unauthorized charge ( a few more charges are still under investigation ). I called XXXX to protest this decision, but the fraud specialist said that the appeals department opens at XXXX PST, and I would need to call back then. 

I am beyond upset with Citibanks decision because I do not think they did a proper investigation of these fraudulent charges on my credit card. I lost my physical card in XXXX XXXXXXXX XXXX on XX/XX/2024. When I click on the fraudulent transactions within the app, almost all transactions were purchased in-store in XXXX XXXX XXXX between XX/XX/XXXX - XX/XX/2024. This is impossible because I was physically in XXXX XXXX from XX/XX/XXXX - XX/XX/2024, and in XXXX XXXX XXXX from XXXX XXXX, 2024 - XX/XX/2024. In addition, I made an in-store purchase in XXXXXXXX XXXX XXXX on XX/XX/XXXX, so the charges that I marked as fraudulent on my Citibank Double Cash Card are 100 % NOT made by me.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in those account 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 21 days before the payment due date. 


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 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! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I have been depositing the same checks from the same reputable company for almost a year, every time I deposit this check, its put on hold and Im not able to access my funds because the bank states its suspicious. This is extremely discriminatory and offensive. I am not able access the money for around a week after I deposit the check. The funds have always cleared and Im still being treated as a suspicious person depositing questionable checks for almost a year with no valid reasoning.
Product: Debt collection

I submitted a complaint company replied saying they had never received a disputes however i have paperwork from XXXX XXXX and XXXX showing disputes with no success. Also the company listed five accounts on response but are reporting nine on my credit report. The written dispute i sent to themI received no response on either. Company is a Fraud and needs to remove all negative information its reporting of my credit report Immediately. I have No Contact not Signed Agreement. I also have printed complaints from other online who are victims of this company. There are laws to protect against such businesses and i will seek LegalAction against all parties who fail to hold them accountable.
Product: Debt collection

XXXX XXXX, 2017 XXXX XXXX XXXX who is located at XXXX XXXX XXXX XXXX XXXX, MN XXXX sent me a letter saying i Owed a bill in the amount of {$1000.00} dollars and saying i have 30 days to submit a dispute or we will assume this debit is yours. They have not given me thirty days and it 's already on my credit report. I have also filed a dispute with one of the credit bureaus. I will like to know why they did n't give me my thirty days before putting this on my credit reports. Results i am asking for to be removed from all 3 credit bureaus and also I would like a written letter from  them saying that this account is removed for all three credit Bureaus
Product: Credit reporting or other personal consumer reports

Equifax FAILED to notify me within 5 days and have unlawfully REINSERTED account XXXX XXXX XXXX XXXX ( CLOSED ACCOUNT ) back on my Equifax Credit report after I submitted a dispute via CFPB # XXXX on XX/XX/year> and received the results on XX/XX/year> that the account XXXX XXXX XXXX  was DELETED ( Screenshots Attached as PROOF ). 
This is an illegal act in accordance with the Fair Credit Reporting Act and I will SUE for Damages and Attorney Fees if it is not DELETED immediately from my Equifax Credit report.
Product: Debt collection

XXXXConsumer Financial Protection Bureau* Subject : Complaint Against Barclays Bank Delaware for Unauthorized Account Reporting Dear CFPB, I am writing to file a formal complaint against Barclays Bank Delaware regarding an unauthorized account that has been inaccurately reported on my credit report. The account number in question is XXXX, and it is listed as over 120 days past due. I have no knowledge of this debt, nor did I authorize its inclusion on my credit report. 

This situation is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2 ( a ), which mandates that furnishers of information to consumer reporting agencies ensure the accuracy and integrity of the information provided. The presence of this account on my credit report is a clear breach of these requirements.

I have requested Barclays Bank Delaware to take the following actions : 1. Conduct a thorough investigation into this matter and provide me with the results.

2. Remove this unauthorized account from my credit report.

3. Cease any further reporting of this account to credit reporting agencies.

4. Provide written confirmation that this account has been removed from my credit report.

Despite my efforts, the issue remains unresolved. Therefore, I am seeking the CFPB 's assistance to ensure that Barclays Bank Delaware complies with the FCRA and rectifies this matter promptly. 

I expect a resolution within 30 days, as required by law, and appreciate your prompt attention to this issue. 

Thank you for your assistance. 

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

Screen shots attached show that Prestige financial has been reporting late payments to all three credit bureaus. This account has been closed/charged off since 2014.
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake, as I assume it has to be. I have not been able to get help from them for weeks, but I remembered I can file a complaint on here because I feel that Paypal  is not doing their job properly. This has taken a great affect on me, and my email associated with paypal is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the information in my file that resulted from alleged identity theft but I have ITEMS left that need to be removed or blocked. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. These are the items that need attention in my credit report : XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXXXXXX XXXX Balance XXXX {$15000.00}, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX  XXXX Balance : {$1800.00}, XXXX  XXXX Balance XXXX {$3900.00}, XXXX XXXX XXXX XXXX Balance : {$6800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a dispute with the credit reporting agency regarding wrong ( incorrect ) information on my credit report and it has been well over 30 ( thirty ) days and I havent received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed in XX/XX/XXXXthat my credit and information had been stolen. Someone used my information to apply for a XXXX account and opened up wireless lines with my social security number. I contacted XXXX wireless and they determined that it was fraud. They sent an email to me notifying me that the accounts would be closed and that they would let Equifax, XX/XX/XXXX, and XX/XX/XXXXknow. They stated that it would take anywhere from 30 to 90 days. It has now been 90 days and the error still is showing with Equifax. I called them earlier today and they told me that there was nothing that they could do even if I submit a dispute, that it would have to be resolved with XXXX. I contacted XXXX wireless again and they informed me that everything was done properly and of the required information was provided to Equifax. There is now nothing that I can do since XXXX has sent everything over to Equifax that is needed. They will not do anything to help me out and so I am running out of options. I don not know what else to do.
Product: Credit card or prepaid card

Since acquiring a Bank of the West Cash Back Credit Card, I've tried to use Bank of the West 's Mobile App and their Online Site directly to pay off my credit card balance ( newly acquired ). However, each attempt gets " timed out '' and its clearly not an issue related to my internet. Thank you for your help in resolving this issue.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTY THEFT PURSUANT TO 18 USC 1028A. I NEVER AUTHORIZED THESE NEGATIVE ACCOUNTS TO REPORT ON MY CEDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX partial account numbers XXXX-XXXX. ( Please see pages attached from my credit report. ) These accounts have been transferred and should not be reporting. I have attached letters for these accounts proving they have been transferred. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

I have never received notification or a bill that I owe anything like this
Product: Debt collection

I was contacted several times by XXXX XXXX XXXX. After they called my husband, I contacted them on XX/XX/XXXX. They had told my husband that a sherrif had been sent out the week prior, but we were not home ... this would have been XXXX week, we were here. They said they had sent me a letter, I have not received this, I asked for a validation letter to be emailed to me. I received an email, it did not state how to dispute the claim. The caller told me it was an old credit card debt that had been closed and charged off in XXXX. I told him I would contact the creditor directly XXXX Wells Fargo XXXX, he told me that they no longer hold the debt. He would not tell me who now held the debt. I asked him not to contact me nor my husband again. He told me I would be getting contacted often, and they would be calling my husbands work. After asking for the suite number of his office, he got very rude and after asking several questions trying to determine the validity of his " law group '', he hung up on me.