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

My account with those creditors 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 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.

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: Mortgage

Recently received a response from lender regarding an application for a workout option to keep my home. I was only given an option to sell. I did not get a response for any other workout options nor did they give me the reason why I was denied for the other options. This notice was mailed out to me after a month from the date of the letter. I did not have any rights to appeal either. My current rate is over 8 %.
Product: Credit reporting or other personal consumer reports

There seems to be an unauthorized enquiry on my Experian credit report on XX/XX/year> from XXXX XXXX. It looks like someone is applying for credit cards under my name without my permission and consent
Product: Credit card

I recently was signed up for the TD Bank Renovate retail card when purchasing furniture due to their 0 % intro rate promotion. 

After receiving the card in the mail, I am unable to create an account online because I believe they have a typo in my phone number. The online account only has one way to verify me, by texting my phone number, and I never receive the verification text. And the only solution is to call them. 

When I try to call their phone number ( XXXX ), no one answers. The back of the card says it's a XXXX hour line, the website says XXXX to XXXX. I have called at all hours of the day, on different days, for the past week. [ Dates tried are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ... ] Even at the very beginning of their operating hours, I have sat on hold for literal hours each time, with no one ever answering, and no ability to speak to a person to correct their data error. Their hours are XXXX to XXXX, I was on hold last night until literally XXXX and no one picked up. I'm listening to the hold music for over an hour as I type this, because I called at XXXX when they open and am still on hold. 

I can't set up an account to pay my bill. I haven't received any statement with another contact. There is no email option to discuss the issue with anyone. When I call the line, it doesnt recognize my phone number for the account ( because of the typo ) and puts me in a loop on the automated phone tree. 

I literally have no access to my account or way to pay them, and no way to contact them. I don't know my payment amounts, due date, minimum, or any other information about my debt. When I called the issuing bank, TD Bank ( XXXX ), they only transferred me back to the original number that never answered. They also could not provide me with an email address, alternative number or any different point of access than the non-functioning phone number. 

I have attached the letter that the card came on ( my information cropped out ) I received with the card showing no other method of contact. The back of the sheet is blank and this is all I have received.
Product: Credit reporting 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. The following accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights according to the fair credit reporting act. 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 according to 15 USC 1681 ( e ) ( b ). According to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 

( A ) In general lf, 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 ; according to 15 USC 1681s-2 they are not supposed to 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 or unverifiable.15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I've had a milestone credit card which I've paid in full. I have reached out to milestone on numerous occassions in regards to the inaccuracies of this account. From which they informed me that it would be taken care of and I should see it updated on my credit report the next time they submit it to the credit reporting agencies and this was in XXXX and still nothing has changed. I have been denied credit due to this harm, because they didnt do what they promised to do. I have the updated bill stating my balance is XXXX. I'm beginning to lose faith in the banking system completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, so I submitted a dispute with XXXX to verify a bankruptcy listed on my credit report. I was told it was verified by Lexis Nexis. I, then, contacted Lexis Nexis to address the inaccuracies, I was told the information was being provided from a different source. I understand The Fair Credit Reporting Act ( FRCA ), states that any information reported to credit bureaus needs to be verified with the original furnisher. I contacted the clerk for XXXX XXXX XXXX  and was told they do not report information. So they are illegally sending my information to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. XXXX XXXX XXXX XXXX has violated my federally protected right to privacy and confidentiality under 15 USC 1681 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. 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 XXXX years.
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, 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: Credit reporting, credit repair services, or other personal consumer reports

Mortgage in my name XXXX XXXX XXXX  a credit card opened in XX/XX/2023 I have not opened a credit card or any loan I. The past 9 years any thing open now is fraud not me
Product: Credit reporting or other personal consumer reports

The late payment in question is reported by [ experian ] for the period of [ insert date of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history.

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i. 
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To support my dispute, I have enclosed copies of relevant documentation, including [ list any supporting documents, such as payment receipts, account statements, etc. ]. 
I respectfully request that you investigate this matter and remove the inaccurate late payment from my credit report. Please confirm in writing that the correction has been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is reporting that the account is 60 days past due when it is not.
Product: Credit reporting

I checked my credit report on last week of XXXX 2016 and found out most of the hard inquiries in my EQUIFAX report are fraudulent and NOT mine .On XXXX 2016, i faxed a letter of request to equifax to remove those fraudulent inquiries and I did also called 2x for follow up but the customer service thats I spoke with doesnt want to removed them. She want me to sign up first w/ equifax credit monitoring then she will help me if i sign-up. I think this is an unacceptable form of treating people if they will not agree to pay for equifax monitoring services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that i have been a victim of Identity Theft for a few years now. ( XXXX  XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX  XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Product: Credit reporting or other personal consumer reports

I am writing to address two critical matters : XXXX. Request for Removal of Late Mortgage Payments My mortgage payments should have been protected under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, implemented by HUD to assist borrowers impacted by XXXX. During this period, I was approved for a partial claim, in which late payments were to be reported. To support this, I have copied of the lost income from the New Jersey XXXX XXXX.The approved Loss Mitigation letter from XXXX XXXX XXXX.These late payments were incorrectly reported and need to be removed promptly. 

XXXX. Complaint Against Transunion I am also filing a complaint against Transunion for failing to properly investigate this disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours, stating the account is accurate without evidence of a thorough investigation.This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Additionally, Transunion 's actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) .I urge the Consumer Financial Protection Bureau ( CFPB ) to take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 

The accounts in question are as follows : XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Thank you for your attention to these matters. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
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 Experian 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 : XXXX XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX XXXX  Balance : {$12000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$550.00}
Product: Money transfers

I paid a service provider {$2200.00} through Paypal. The " seller '' aka contractor, declined the money on XXXX XXXX ( same day it was sent ) because it was a 21 day hold to receive funds. So once the Seller declined, and funds never touched their bank, it was expected they would be returned to me. However this was not the case. It took until XXXX XXXX to receive funds after 3 phone calls and long conversations. Paypal refused to release my funds saying they were doing this to protect me. There was nothing requiring protection, however. I simply had money debited and Paypal simply held onto it. After getting a supervisor on the phone they released back to me.
Product: Money transfer, virtual currency, or money service

A restaurant who uses JP Morgan Chase as their bank issued a refund to me using Chase Payments. Chase Payments is a mobile and web-based tool that provides companies the ability to pay their customers using an email address. Chase Payments allows customers to accept payments electronically from any company that uses Chase Payments. The restaurant, nor JP Morgan Chase tell you up front that you are opening an online Chase wallet when you register with Chase Payments to electronically receive the payment from Chase Payments into your own bank account. Once you register and create the account, it's too late. There is no way to close the account. I read the Privacy Notice, Terms of Service, and called their customer support line for Chase Payments multiple times. There is no information to the consumer on their right to close this online wallet or how. When you call their customer support they say they have no idea. So, I now have an online wallet with Chase that I do not want and can not close. Had I known this was an online wallet I would never have registered to receive the payment. Consumers should know up front that they are creating a wallet when they register for payments through this service. There should be an option under the profile area of this wallet that allows a customer to delete the account. I want this wallet deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Transunion and XXXX on XX/XX/2022, It been well over 30 days. I still have not received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion and XXXX have 30 days to respond to my dispute. This is a violation of my rights
Product: Credit card

I filed a dispute with Experian Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting house, Experian violates my rights as a consumer, as well as federal laws. I would like all my reported accounts to be removed corrected immediately! 
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Product: Consumer Loan

I am having difficulty resolving an issue listed on my credit report with SANTANDER CONSUMER USA, a creditor. I have attached a copy of the account for your review. Here is an explanation of my account : " I fell behind ( twice ) on my car loan and it was repossessed in XXXX, XXXX and XXXX, XXXX. A fee of {$370.00} was added to the account for both occurrences. I paid my car off, of the principal balance in XXXX, XXXX. In XXXX, XXXX, the car loan continued to be extended ( for fees incurred by the creditor ), even though my principal balance was paid in XXXX, XXXX. The payment changed from {$240.00} to {$200.00} a month, during this process. In XXXX, XXXX, {$7.00} showed as the remaining principal balance. XXXX, XXXX, the same amount showed as a principal balance of {$7.00}. It continued and in XXXX, XXXX, the balance was still {$7.00}, even though I paid the principal off in XXXX, XXXX. I paid the {$7.00} on XXXX XXXX, XXXX. The balance as of XXXX XXXX, XXXX, now shows {$0.00} cents. When my counselor and I called SANTANDER CONSUMER USA, they said they are keeping the account opened with a {$0.00} cent balance so they can collect over {$1000.00} in fees. I believe this is not only unfair, but negligent on the creditor 's side. I have already paid the balance in full and the creditor continues to charge me fees. I am seeking to resolve this matter, with your help and request the fees to be removed entirely and make the balance on my account reflect zero on the credit report. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was sent early XX/XX/2015 requesting verification. It has been more than 30 days and no response or update with the status of removing invalidated information reported by this agency/company. Unverified debts being reported by company. Investigation status unknown.
Product: Mortgage

Due to COVID-19 my servicer Mr. Cooper is only giving forebearance as an option. All major banks and services have allowed to pause payments. 

Theyre also charging interest and will report to credit bureaus. I did not choose this company, my bank was XXXX until a few months ago. 

Please help!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. 
XXXX : XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Rebuttal of Bankruptcy Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute and rebut the bankruptcy information that has been reported on my credit report. I believe there has been an error or misunderstanding, and I kindly request a thorough investigation into this matter. 

Bankruptcy Dispute Details : - Debtor Name : XXXX XXXX - Case Number : XXXX - Filing Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  I would like to bring to your attention the following concerns and ask for your prompt attention to rectify the situation : 1. Inaccurate Reporting : I dispute the accuracy of the reported bankruptcy information. To the best of my knowledge, I have not filed for bankruptcy, nor have I been involved in any bankruptcy proceedings. This information is incorrect and misleading, and I request an immediate correction of my credit report. 

2. Identity Theft : Considering the absence of any bankruptcy filing by me, it is possible that my identity has been compromised. I strongly suspect that this erroneous bankruptcy filing is a result of identity theft or a reporting error. I request a thorough investigation into the matter to ascertain the source of this incorrect information. 

3. Supporting Documentation : I have attached relevant supporting documentation, including copies of my credit reports from other credit bureaus that do not reflect any bankruptcy filings. This evidence serves to demonstrate that the bankruptcy reporting on my credit report is erroneous. 

4. Corrective Action : I kindly request that you conduct a comprehensive investigation into the reported bankruptcy filing and take the necessary steps to remove this inaccurate information from my credit report. Additionally, I request that you provide me with written confirmation once the correction has been made. 

I understand the importance of accurate credit reporting, and this erroneous bankruptcy information has had a significant negative impact on my creditworthiness and financial opportunities. I am actively working towards maintaining a positive credit history, and I rely on accurate information for this purpose. 

I appreciate your prompt attention to this matter and the urgency with which it should be addressed. Please keep me informed of the progress and resolution of my dispute. I can be reached at the provided contact information should you require any further clarification or documentation. 

Thank you for your immediate action in rectifying this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Mortgage

My loan is serviced by mr. COOPER. I feel I have been overcharged from the mortgage escrow statements. There is a XXXX XXXX dollar balance that makes no sense. When I have called, the representative is too inept and unable to pull up the escrow statement. I have been repeatedly transferred and left on hold indefinitely. A customer service representative, XXXX XXXX emailed the escrow department supervisor, XXXX XXXX to contact me on XX/XX/2019. My escrow analysis has raised my monthly amount but there is a surplus and I can not get anyone to help me resolve this.