23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company is XXXX XXXX XXXX. They call repeatedly, but there is never anyone on the line, so I can not ask them to stop calling. I have no outstanding debt, and should not be receiving any collection calls. I work nights, and the calls are always when I am sleeping. I want the calls to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to Experian notifying them that I have NEVER lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The addresses are business addresses which would make it impossible for either location to be my place of residency. I asked them to delete both addresses and any associated accounts that may be associated with this false information on my report. Experian failed to delete the addresses. ( See the attached letter ). 

I also notified them of the inaccuracies on the XXXX XXXX  Account No. XXXX. They claimed the account was verified after I pointed out that they were reporting the wrong date the account was first reported. They show two different dates one says the first reported date of XX/XX/XXXX but the account history shows the date first reported was XX/XX/XXXX. Which one is accurate? How is this consistent? 

I also asked them to investigate XXXX XXXX Account No. XXXX as I do not recall being late XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. In accordance with 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) ( i ) ( ii ), if you are unable to verify the payments were late ; please update the account to show OK/never late/pays as agreed. They did not respond with proof of me ever being late. 

I received a response from Experian XX/XX/XXXX saying the accounts were " VERIFIED '' and updated, however, the errors are still being reported after I pointed them out. Clearly, this information doesn't make sense and a proper investigation was not performed.
Product: Credit reporting or other personal consumer reports

Have an FTC on file and credit bureaus have not honored this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX in the amount of {$310.00} don't belong to me please remove from my credit report XXXX XXXX XXXX in the amount of {$430.00} don't belong to me please remove from my credit report XXXX XXXX XXXX in the amount of {$510.00} don't belong to me please remove from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sure this will involve XXXX  and XXXX, but Equifax has been a problem forever. I recently refinanced my home and also paid off my second mortgage and 2 auto loans. I have no alternative but for the accounts to close once they have been paid off. However, a drop of 66 points is just wrong. How am I supposed to improve my credit score? I have NEVER been late, my credit card balances DECREASE EVERY MONTH, yet I get dinged 10 % for closing an installment loan that has been paid off. I have tried to contact Equifax, but they offer not contact information and it is an endless loop of " contact an agent '' which brings me back to the same FAQ page. Is there nothing I can do about this? What is the incentive of paying off loans when the last payment is due if it is going to affect credit? If I get a loan now, I will have to pay a higher interest rate due to the decline in my credit score fro XXXX to XXXX. If anything, it should have gone UP. Equifax lowered my score 66 points, XXXX lowered it 46 points. What is the difference? There is nothing I can do about this, is there? Why bother with paying my bills on time? This is so wrong, and something needs to be done about it. I am livid. I did all of this to increase my score, but now I could file bankruptcy and probably have a higher score. Bunch of XXXX. Do something about this. Now, the loan I was going to renew will be much higher. Thanks for nothing.
Product: Credit reporting or other personal consumer reports

I am writing to report that I have been a victim of identity theft. This letter serves as a formal dispute regarding the following accounts on my credit report. I have already contacted the company directly, as instructed, to address this issue. Additionally, I have filed an identity theft report with the FTC and have contacted the company to dispute the erroneous information on my file. The bank already deleted the accounts after receiving the documentation I forwarded to them. Also, these accounts are no longer reporting with other bureaus. So, my question is why do you still have the nerve to continue reporting these fraudulent accounts? Please have these accounts deleted for once : XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Statement Recently checking my credit report I noticed that Ive been a victim of identity theft and found numerous credit inquiries that I have no knowledge of hear are the inquiries I found XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Please remove these fraudulent items from my credit report. I also attached my identity theft report as well
Product: Checking or savings account

On XX/XX/XXXX I attempted to open a new checking account with BMO Harris Bank. Their website had an error and I could not fund my account online. On XX/XX/XXXX I called the bank to fund my account and finalize opening. They instructed me that their website was having issues, so I had to mail in a check to fund my new account. I did this, which took until XX/XX/XXXX to post to my account. This delayed all account transactions until then - all due to a website error on BMO 's part. 

During this time, I was required to make meet some requirements in order to be eligible for a {$200.00} welcome promo bonus. The requirements were to make 10 debit transactions + receive two direct deposits of {$500.00} each, all within 90 days. 

Due to BMO 's website error and unforeseen delay, I could not get my account number in time, or log in online, to properly schedule my payroll 's direct deposit in time to meet their deadline. I did end up fulfilling their requirements, but a few days after the deadline. BMO does not want to honor their {$200.00} welcome bonus despite having considerable setbacks on their part.
Product: Money transfer, virtual currency, or money service

Around XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX / XXXX which involved me making deposits for a total amount of USD XXXX from my Coinbase account to fraudulent investment firms.
Product: Credit reporting

TRANSUNION COMPLAINT : Complaint regarding dispute sent to Transunion regarding inaccurate status reporting on XXXX XXXX XXXX XXXX real estate account. 
1 ) Failure to review documented evidence to support the dispute claim which proved the account was never late during the disputed time period. 
2 ) Failure to respond to second dispute letter. 
3 ) Failure to record that the account was in dispute on the credit report within 30 days. 
Two Dispute letters were sent certified return receipt received XXXX XXXX, XXXX and XXXX XXXX, XXXX. The following documentation was provided with the dispute indicating XXXX incorrect 30 day late payment status marks on my credit report : Copies of the XXXX Canceled Checks ( see the schedule of due date and canceled checks below ) Copy of driver 's license for identity purposes. 
Transunion reported 30 days late from XX/XX/XXXX-XX/XX/XXXX Payment Due Date Ck Posted ( received Prior ) Check # Amount Due Amount Paid XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$670.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$660.00} {$660.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} Total : XXXX {$9600.00} {$9700.00} Response : The response I received from the first dispute letter fromTransunion was that the status was " verified '' by the creditor and would remain on my credit report. A response was never received to date from the second dispute letter received XXXX XXXX, XXXX. Transunion never posted a statement on my credit report as in dispute as they are required to do within 30 days therefore violating FCRA 623 ( a ) ( c ). 
Impact : Inability to FHA streamline refinance for 13 months- cost in excess interest paid ( {$9100.00} ) Denial of Credit due to inaccurate delinquency reported. 
Resolution Requested : The Transunion status of 30 days late from XX/XX/XXXX- XX/XX/XXXX changed to a status of OK. 

Support Documentation Uploaded : XXXX Canceled Checks as listed above Dispute letters sent certified return receipt Time stamped copies of Transunion Credit Report Transunion Response to Letter # 1.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX I received a text from a customer regarding a floor remodel the person sent me a cashiers check through XXXX mail the check had a bigger amount on it and the sender asked me to send it to the people who bought a house from XXXXOn XX/XX/XXXX check was cleared and I sent a payment of {$2000.00} US dollars to email XXXX the customer XXXX XXXX kept harassing to send payment so I got skeptical after I sent XXXX  and contacted the bank to report fraud and didnt send anymore money I let the customer know I had to wait for the check to be cleared and he was impatient and got the check canceled and the full amount of the check was refunded back to the account and the XXXX  I sent I have to pay myself back because the banks cant do anything about it I have the adress and drivers license of the customer but it was probably stolen by a scammer so Im pretty much stuck paying back the bank
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 60 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 21 days before the payment due date. 


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

All 3 credit bureaus are reporting incorrect personal information on my credit files. I need the credit bureaus to report the following on the personal information section. The following information is what is supposed to be reporting. 

Name : XXXX XXXX XXXX ( report name as reported on my DL and SS Card ) No other names or sub-names are to be reported Address : XXXX XXXX XXXX, XXXX  XXXX, CO XXXX ( nothing more, no abbreviations ) Employment : XXXX XXXX  All other address, name and employment information that is being reported that is not as listed above is to be removed. 

Also any " Personal Statements '' that I may have added in the past and are being reported are requested to be removed. I am not requesting any personal statements on my credit reports at this time. 

I have written you several times to correct this and you have failed to acknowledge and to correct which is why I am now submitting this complaint with the CFPB. 

No other requests are being made at this time.
Product: Bank account or service

To whom it may concern, I '' m filing this complaint against a CitiMortgage, in the hopes that you will assist us in resolving this matter. I have been in the process of selling my home for the last two months and on XXXX XXXX I spoke to XXXX, in customer service, and requested that ALL Electronic Fund Transfers of my mortgage payment be suspended. XXXX confirmed that there would be NO DEDUCTION for XXXX or XXXX. 

On or about XXXX XXXX, Citibank, did deduct the {$1600.00} per month mortgage payment. I spoke with XXXX on XXXX XXXX about this and was told that the funds would be replaced and that once again XXXX EFT payment will be suspended. 

This morning, I was notified by CitiMortgage, that my XXXX mortgage payment was taken again and that I have overdrafted my account. 

Not only is this causing serious financial issues with me, but it 's also causing a tremendous amount of XXXX. I 'm asking for your assistance here in dealing with this matter once and for all. Please contact me at your earliest convenience -
Product: Credit card

My wife has a Capital One Platinum card. {$5000.00} credit. She quit using the card in XXXX, after she retired. The last time she used was for a dental appointment which almost maxed it out. Since late XXXX we have been paying on it monthly with out fail between {$120.00} to as much as {$200.00}. All of this time the principal was creeping up by a few cents. As of XXXX XXXX XXXX we have paid {$12000.00} on the bill and the balance had come up to less then {$500.00}. I finally realized that that did not look right and contacted Capital One and was given the story about interest verses balance. But when I pointed out that we were not using the card they said it made no difference and ended it there, but the balance did jump from under {$500.00} to {$890.00}, still far less then the almost {$13000.00} we paid out.
Product: Student loan

My Public Service Loan Application was transferred to Mohela. Finally after making a complaint my employment was finally verified. Now Mohela can only find 32 payments. I have made payments since XXXX to XXXX  XXXX XXXX. I am in the process of gathering all of my loan payments so far XXXX  XXXX XXXX has provided payments from XXXX. I also made payment by electronic check to XXXX  XXXX XXXX which I requested XX/XX/XXXX. Mohela hasn't even counted the payments from XXXX. I have attached the payments that XXXX  XXXX XXXX has provided so far. I really need help with Mohela. When I first received the letter from Mohela that is attached to this complaint dated XXXX XXXX, XXXX telling me that had not made the required payments, I called Mohela and the customer service representative hung up on me. I called back and was told that Mohela was still in the process of finding payments. Then I got a letter from Mohela telling me to make payments. Mohela is not counting all of the payments that I have made towards my loan.
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. 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  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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may take 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 several 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

I took a look at my credit and noticed a account that does not belong to me I contacted the credit bureau experian and they said they couldnt do anything about the student loan account I have never been a student at a college and have never received a loan from this company I contacted them for the last XXXX months
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. 

Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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: Debt collection

I registered for XXXX  with XXXX they said that I wasnt cleared through fafsa so I have to pay out of pocket after I already was enrolled in classes. I dropped the classes DURING the add/drop period and I still received a debt collection with the cost of XXXX please dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately 3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately 4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately 5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 As a consumer by law this account must be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not corrected erroneous and negative information on my credit report in spite of numerous requests to them and numerous complaints to CFPB. The incorrect information has to do with my revolving account at XXXX XXXX. The same erroneous information was also on reports from XXXX  & XXXX  but they have corrected the information since then based on the supporting document from XXXX  submitted to them. However, Experian continues to deny my claim. It has close my recent complaint at CFPM citing that : 1. They contacted XXXX and the information has been verified to be true. This is a false statement because I know for a fact that the specific department at XXXX that would verify this information has been closed since XXXX on account of the pandemic. Additionally, if they contact XXXX, XXXX would verify that what I am saying is true since they sent me a letter in early XXXX which states that they agree that they reported negative information in error and that they've requested the various credit agencies to delete this potentially negative information from my credit report. 
2. The supporting document/letter from XXXX  ( that I uploaded to my complaint ) directly ascertains the facts but Experian is ignoring the letter. 
I urge the CFPB to read my complaint and the supporting document to verify for themselves that Experian is perpetuating fraud and lies in this situation. How can CFPB allow a company to blatantly lie when the facts prove otherwise?