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

I am writing to dispute the following information in my file, and have noted the relevant disputes. Upon a closer review, I found several accounts and credit inquiries that had been hit by my name aside from those which were unauthorized or unrecognized XXXX  the postings do not seem appropriate to my credit history ; but are incorrect account entries, or are accounts created due to identity theft. Due to the presence of these incorrect items, it has lowered my credit score and affected some personal finance. This has been a major worry as i have wrongful bad credit being attached to my file which in turn is not true history of how i use, spend or manage money.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against TransUnion for Inaccurate Late Payment Reporting on Account XXXX Dear CFPB, I am filing this formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX under the creditor XXXX. Despite multiple requests for correction, dated XX/XX/XXXX and XX/XX/XXXX, no changes have been made. This lack of action violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), causing undue harm to my creditworthiness. 
Details of the Reported Late Payments : TransUnion : Late payment reported in XX/XX/XXXX. 
Legal Violations and Evidence : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payment reported in XX/XX/XXXX is inaccurate and has not been corrected despite multiple disputes. 
15 U.S. Code 1681e ( b ) : Credit bureaus must follow reasonable procedures to ensure maximum accuracy of credit report information, which has not been upheld in this case. 
Truth in Lending Act ( TILA ) Violations : 15 U.S. Code 1666b : Creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate reporting of the late payment suggests noncompliance with this requirement, violating consumer rights to timely and accurate disclosures. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements, preventing unfair penalties to consumers. The erroneous late payment on this account violates these protections.

Resolution Sought : Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit report. 
Written confirmation from TransUnion that this correction has been made. 
If this issue is not resolved promptly, I will escalate this matter further, including filing additional complaints with the appropriate regulatory agencies and pursuing legal action if necessary. 
I have attached copies of my previous dispute letters, the relevant sections of the law, and supporting documentation for your reference. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX/XX/XX/2015, I closed an account with XXXX because service was not available in the area I had recently moved to. Upon terminating the joint contract with XXXX and XXXX, I was told that my final bill was paid in full. In XX/XX/XXXX, I received a notice from Afni, a debt collection company, notifying me that an account of mine had been placed with them for collection. When I called Afni to dispute, I was informed my failure to pay had already been reported to credit bureaus. When challenged, the Afni representatives said there was nothing they could do to reverse this. I am currently in communication with XXXX to remove this information from my credit report and rectify this issue.
Product: Credit reporting or other personal consumer reports

My account with these company 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 MONTHS REPORTING LATE 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section XXXX ( 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 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
Product: Credit card or prepaid card

Citibank credit card has put me on paperless statements without my permission several times which has caused in one case late payment. They said I agreed to it online.
Product: Checking or savings account

iIn auditing down my checking account i had found that I was charged an overdraft fee since XXXX ; XXXX at {$35.00} ( {$840.00} ). I have a full spreadsheet showing the balances etc I can supply and will below. 

I went as far as to calculate what my balance would have been if not charged the fee. 

When I was charged the fee I had a positive balance in the account or within their grace period. 

I had opted out of this service over a year ago and they tell me that their policy had changed. When I tried to get them to look at it, you can not send them documentation, that they looked over the claim and the charges were correct. How could they do so if I could not supply the documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Orion portfolio services LLC acct : XXXX This company has inconsistencies in my account and in accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602a states I have the right to privacy 15 U.S.C 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

Experian failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit reporting, leaving inaccurate or unverifiable accounts unresolved. The CFPB recently filed lawsuit against Experian alleges systemic issues such as failing to report consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian failed to correct or remove disputed items causing ongoing harm to my credit standing. Im am requesting immediate to remove or amend disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Mortgage

While US Bank tried to avoid the real issue in the complaint and make it look like the reason they have not communicated with me was due to not having the proper documents to do so, I have proof they have had the claiming successors deed since XX/XX/XXXX. See attached doc. 

THE ISSUE. 
In XXXX, US Bank put a home equity line of credit mortgage on my father 's property that he jointly owned with myself and my XXXX siblings. US Bank did not get our signatures or consent to the line of credit loan and they are now trying to foreclose on property that they do not own. At best, they have a lien on XXXX XXXX of the property. This mortgage was executed at the height of the XXXX financial crisis and I do not believe that my father, now deceased, had the mental capacity to enter into a loan agreement of this type. Since US Bank only had authority to lien XXXX XXXX of the property, that is the only portion of the property that they are able to foreclose on, if at all. Also, because the loan only covered XXXX XXXX of the property, it did not meet prudent lending or underwriting standards. US Bank should have been aware of other owners, since a title report was prepared at the time of the loan. 
See attached deeds showing all XXXX names on deed and US Bank showing only XXXX XXXX as owner
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this account off and asked numerous of times for it to be closed its still showing on my credit profile Ive reached out to customer service plenty of times they advised me to pay the balance of {$20.00} which I did not make but paid it for it to be deleted as due to fraud its still showing on my credit Open Account XXXX XXXX XXXX This account may be hurting your score Account Details Status Open Date Opened XXXX Last Payment -- Balance {$20.00} Limit -- Date Closed -- Monthly Payment {$20.00} Worst Status Late 60 Days Responsibility Individual Account Number XXXX Late Count 1 30 / 60 / 90 Days Late XXXX Date Reported XXXX Remarks -- Amount Past Due {$20.00} High Balance {$20.00} Terms -- Account Type Secured credit card Late Dates XXXX ( XXXX ) Derogatory Date Opened XXXX Last Payment XXXX Balance {$0.00} Limit -- Date Closed XXXX Monthly Payment -- XXXX XXXXXXXX XXXX XXXX  Worst Status Current Responsibility Individual Account Number XXXX Late Count -- 30 / 60 / 90 Days Late -- Date Reported XXXX Remarks Account paid from collateral Amount Past Due No Info High Balance {$120.00} Terms 12 Account Type Secured loan XXXX - XXXX Status Closed Date Opened XXXX Last Payment XXXX Balance {$0.00} Limit -- Date Closed XXXX Monthly Payment -- Worst Status Late 60 Days Responsibility Individual Account Number XXXX Late Count 1 30 / 60 / 90 Days Late XXXX Date Reported XXXX Remarks Closed Amount Past Due No Info High Balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported multiple times to all Credit Reporting Companies XXXX XXXX, XXXX, and XXXX ) that Navient Account # XXXX has me late 60 days XXXX XXXX, 90 days XX/XX/XXXX, and 120 days XX/XX/XXXX. I was in forbearance from XX/XX/XXXX through XX/XX/XXXX. Therefore, I should not be reported delinquent. I submitted multiple disputes through the credit reporting documents with the forbearance letter, and it still reporting late because Navient keeps saying all records are correct. In addition to disputing with the Credit Reporting Companies, I sent a letter to Navient and no changes.
Product: Debt collection

DEAR EOS CCA According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

For the second year in a row, XXXX XXXX has claimed that I had no hazard insurance on my property and purchased insurance on their own to cover my property. The property is part of a condo development and insurance coverage is automatically purchased every year by the condo association. I have owned the property for 15 years, through two previous banks. There was never a problem about proper insurance coverage until Statebridge bought the mortgage. This year, when I finally located all the insurance information and it was sent to them, Statebridge pocketed the funds that I paid to them while waiting for the insurance information. Statebridge has not refunded the insurance premiums in the amount of {$330.00} I paid to them to avoid issues of non-payment since they attached the cost to the mortgage statements. They were refunded a total of {$990.00} by their insurance company. 

I want Statebridge to correct the mortgage statement to reflect the actual monthly mortgage payments that should be paid - {$730.00} and to refund the {$330.00} I paid to them for unneeded hazard insurance. Last year, we went through this same issue and finally resolved it when the condo association insurance company provided insurance documentation directly to Statebridge. Statebridge then sent me a check for the amount I had paid to them for unneeded hazard insurance. This year, in XX/XX/XXXX I was told the same thing - that the insurance coverage had expired and unless I provided evidence of coverage, Statebridge would purchase insurance and charge me. A simple review of their own records would have been sufficient to check renewal of coverage. When I talked with the Statebridge insurance contractor, they had the name and phone number of the condo association but claimed to have no info on the condo association 's insurance carrier. I suspect this is a way XXXX XXXX is getting additional funds to use for investment purposes or whatever.
Product: Credit reporting or other personal consumer reports

The corporation has Violated The Privacy Act of 1974 as well as the terms and conditions of our agreement pertaining to its initial privacy notice. The Consumer has respectfully entrusted the corporation with a certain level of expectation that the financial records would be maintained safely, securely, and in good faith. The corporation has repeatedly, on a monthly basis disclosed non public personal information, including personal records and personal transaction history, to multiple non-affiliated third parties for marketable services such aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc. This has negatively affected the consumers ability to attain credit and services for Personal family and household usage. Although the consumer has received the initial privacy notices, the consumer receives the goods monthly the corporation has failed to deliver notice to the consumer of the ability to opt out of the sharing of non public transaction history on account to non affiliated parties of the Agreement.

Please See all violations below 5 U.S.C. 552a ( b ) 16 C.F.R. 313.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 1 ) ( iii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 3 ) ( i ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 12 CFR 1016.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of nonpublic personal information to nonaffiliated third parties 15 U.S. Code 1681b ( b ) ( 1 ) ( A ) ( ii ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( i ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( ii ) - Permissible purposes of consumer reports 12 U.S. Code 3403 ( a ) - Confidentiality of financial records
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX I called SOFI customer service XXXX to find out the balance owed on my account. I was informed that my account was being handled by XXXX  XXXX. I asked why and was told that they were servicing my account now. I called XXXX and was informed that XXXX was a collection agency and that my account was charged off, I was shocked and asked what address and phone number was used to call to collect the balance.. The agent indicated that he did not have an address or phone number. I told the agent that I did not understand how they are to collect if they have not sent out a request for collection by mail or by phone. I called back SOFI loans XXXX to find out how and why my account was sent to collections as I was understanding that payments had been made. The agent with SOFi indicated they would never mail out any information to my home address to notify of late payment but would only email or call. They had the wrong phone number and could not get in touch with me by phone and sent emails. I told the agent that I never received a call on my cell phone which has not changed in years. I told the SOFI agent that I needed to check with my bank to confirm that payment should have been made automatically from my account to them and would call them back. I called my credit union XXXX was told no payments have been made since XXXX XXXX XX/XX/XXXX I called SOFI, spoke with XXXX -customer service agent.. I informed her that they payments were not drafted nor were transferred from my accunt to SOFI. and that there was a break down of communication. XXXX said they SOFI only sent out emails. and tried to call but had the wrong number I told the XXXX in customer serice that I had not changed my mobile number in years ( 10 ) and why would they not mail a letter to inform of late payment or account status and why they do not have the correct number as on my oriiginal application for the loan. XXXX said that that's just how they do business by email and calls were made XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I told her that I do not check my emails regularly but only if notified that some one I planning on sending me an email would I check my email. XXXX said that emails were sent but she could not tell me dates of emiails sent out regarding my account status. XXXX XXXX XXXX XXXX manager said that I would have to contact XXXX XXXX because he could not provide further information. I was concerned that my credit was ruined because I have no other late payments with any one, only SOFI.
Product: Checking or savings account

On XX/XX/XXXX, I received an email from who I thought was PNC Bank asking for me to update my security questions. On XX/XX/XXXX, I had stopped at a XXXX to get food and my card was declined. I didnt understand why, I knew I had the money on the account. I tried to login to Online Banking on the app and website, and it didnt allow me too. So, I decided to call the bank and they told me that my account was overdrawn. They had told me that I needed to visit a PNC Branch to find out more information. Later that day, when I was able to get into a Branch, they had told me that somebody had disputed a transaction for {$1000.00} and had XXXX  it to a person named XXXX XXXX. They then continued to say that I was part of a scam. The lady who was helping me with the situation, told me that I had to pay the negative balance off. She even said they have decided to close the account and end my relationship with them. I was beyond confused and extremely upset that this happened to me. She said that was all that they could do. I then decided I didnt want to stop there, so I made an appointment at another PNC Branch to discuss with someone different. The lady I met with, was more helpful than the first, she tried her best to help me in this situation, but the bank still declined to help me with my problem. I had bills that were going out on the 1st and all of those bills bounced. For the past month, I have been trying to get PNC to understand the situation and it seems like they dont care at all. They did an investigation, but decided that they cant do anything more. They have decided to close the account and are forcing me to pay back the {$1000.00} + fees that came with my bills being declined. I would like answers and I would like a reasonable explanation on why I should have to pay back the money. Please help me.
Product: Debt collection

During covid XXXX I reviewed my credit report and noticed that a collection account was opened by the Law Office of JMCC . 

I noticed this and contacted their office to invoke my CFPB rights as a consumer specifically stating code 15 USC 1692e. ( 3 ). This collection company stated they are in an attorney 's office and that is a direct violation of code 15 USC 1692e. ( 3 ). This company has incomplete records for an account that I was never contracted to pay.

This company also has violated my individual privacy. I would like to invoke my rights under code 15 USC 1692b this company has violated my rights to privacy by purchasing my personal information, contacting me, and distributing my personal information through company-owned computers and databases. My location information was also used to state via telephone stating I " owe a debt ''.

This has hindered my ability to obtain housing during the COVID crisis and allowed me to be homeless during this time. These are over 3 violations of the current CFPB code. As a consumer, I would like the immediate removal of this account from all of my credit reports.
Product: Student loan

I am completely up to date with my payments. My student loan payments with Nelnet are due every XXXX of every month. My current amount due every month is {$400.00}. 
My last payment in XXXX was on XX/XX/2020 and I paid a total of {$440.00} for the month of XXXX. 
On XX/XX/2020, I made an electronic payment of {$230.00}. My remaining balance should have been {$170.00}. Instead Nelnet is claiming that I owe them {$250.00}. 
They applied {$140.00} of what I paid to XXXX XXXX of my loan. The website acknowledges that I paid {$230.00} and it breaks out the payment as {$140.00} to XXXX XXXX and {$87.00} to XXXX XXXX. 
There is no explanation of how I owe {$250.00}. I called Nelnet and the customer service rep couldn't figure it out either. She tried to tell me that the {$87.00} was considered part of my XXXX payment. When I asked about a credit to my XXXX payment for {$87.00} she had no idea. She said it was because I've been making payments twice a month. XXXX  Something is off and wrong with their accounting system. Where is the {$87.00} I paid? Why isn't it accounted for in the system. There were no fees due and it wasn't credited to XXXX. 

Nelnet doesn't give credit for advance payments. That's a load of XXXX. There is something going on with this company that is not kosher. This company needs to be investigated and oversight needs to be done on this company. This company needs to be audited and fined.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I was recently looking at my credit score on XX/XX/2020 on XXXX I noticed there was an inaccurate report on my file and I wanted it removed from all the credit agencies as this was already handled in collections. I had paid this company XXXX  off in full. I believe it was XXXX XXXX XXXX. Either way this was all taken care of back of and paid in full. They had agreed to remove this entire account from my credit report as I paid In full with the understanding that all this would go away. That was the way they explained to me. I am getting it with countless late fee 's that I shouldn't be hit with since this account is suppose to be removed from my report. I have called the company a few times and they have admitted it should be off my report. So I am unsure as to why it is still on my credit file. On XX/XX/2020 I called the # on file and they said I should report to each credit agency directly. I am hoping you guys can help me out under the fair credit act.