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

My accounts was never late! I have had exceptional payment history with XXXX XXXX XXXXnd 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 to be removed/updated. 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. 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!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute of hard inquiries in which I did not authorize on my credit report. After submitting my report, I called Equifax to get the information to fax over my supporting documents. I was told I needed to submit my police report or FTC report, a copy of my driver 's license, social security card and make sure to include a cover letter with all of my identifying information. That same day I went up to XXXX  to have all of my documents faxed over to Equifax. I called them on XX/XX/XXXX to confirm they received all of the necessary information and was told although I faxed all of the documents, it still would take 3-5 business days to process and to check back the following week. On XX/XX/XXXX, I called and spoke to a representative named XXXX who informed me that my dispute was closed on XX/XX/XXXX ( Sunday ) ( I never received notification ) because my supporting documents were hard to read. She stated that the copy of my social security card was very dark. I asked to speak to her supervisor, XXXX, in the Fraud Department and she told me the same thing basically. My frustration is that my dispute was not thoroughly investigated and if document were needed to be re-fax the proper order would have been to notify me but to just close my dispute as if it was investigated was not right. I spent {$15.00} paying to have the documents faxed all for them to say because they could see the copy of my social security card clearly but could see my other documents. I informed her I would be sending the documents in the mail and would have them overnighted but it is very disappointing to have to spend more money and time when I thought this whole time they had everything they needed. I did not ever have these issues when I went through this same process with XXXX  or XXXX. I am reattaching what I sent to them.
Product: Credit card or prepaid card

XXXX from Fortiva made a collections phone call when I was 6 days past due on one payment from this phone number XXXX
Product: Mortgage

I'm XXXX years old and been living in my home with wife and grandchildren for over 34 years. XXXXXXXX XXXX  is trying to fraudulently take our home despite all the illegalities the Federal government caught them in when they bundled the securitized mortgage that they acquired from XXXX XXXX in XXXX. They are being monitored by DOJ however they have done nothing to settle the mortgage issue with my family. I can't reach anyone from XXXX XXXX to correct this travesty of justice. PLEASE HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called in to TransUnion XXXX on XXXX/XXXX/XXXX to request XXXX credit inquiries to be removed from my credit report due to a glitch in their system during the months of XXXX XXXX and XXXX thru XXXX of XXXX. I explained to the customer service rep as well as the supervisor during the phone call, that I am also aware of the law that requires the credit reporting agency to notify the consumer after they add previously deleted information to my credit report. As of today XXXX/XXXX/XXXX TransUnion XXXX has failed to remove my inquiries.
Product: Bank account or service

I Had wellsfargo accounts from the time I was XXXX years old to about I was XXXX years old. I believe I closed all of my WF accounts aobut 3-4 years ago. I kept noticing fee 's that were being charged to my checking and bill pay services that should have been free. I called and got some back, then month later I relized i was still being charged fee 's. They forced me to close my old accounts and reopen new ones to " Waive fees '', then I was still charged fee 's. I also had a credit card and savings with them, however i never looked much into those accounts but I do believe I did not catch all of the fee 's.
Product: Debt collection

I am writing to dispute the inaccurate reporting of late payments on my credit report related to the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted these banks and they have acknowledged the lack of documentation supporting the reported late payments. They have agreed over the phone to update my credit file, confirming that the accounts in question reflect a positive review, are closed, or have never been late.
Product: Credit card or prepaid card

I upgraded to 1st class on an XXXX XXXX flight by taking out a credit card thru Citi Bank. It had two rewards : 1st XXXX $ per ticket XXXX $ in my case since there were two tickets, 2nd if you spend XXXX $ during the first three months and additional XXXX of miles on your American Advantage account I spend the XXXX. I got neither because I had the card before and closed the account within the last 24 months. Citi Bank denied both rewards ... I paid my balance minus the XXXX $ and will not pay because they owe the reward to me. I did not know about their policy, nor was it on any page on the internet. I called them and they informed me that I did not qualify because I had an account previously.
Product: Checking or savings account

I called Bank on America XX/XX/year> about an amount that I was unsure was mine. The amount was XXXX. I explain to them that I was confused as to why I still had money into my account. The bank customer service XXXX XXXX, told me that I did not calculated the amount I transfer out of my account right and that the money was mine. I was still confused so he helped me calculate the amount and to my surprise it was my money. But on XX/XX/year>, I see that my account has a negative balance of XXXX so I called Bank of America to ask why. And was told that they made a mistake. When I explain to them that I called them to make sure the money was mine, they told me that XXXX made a mistake and give me the wrong information. Now I have a negative balance on my account that I have to pay.
Product: Credit reporting or other personal consumer reports

I've submitted disputes regarding XXXX XXXX XXXX reporting 30 day past due and late on my credit reports and a member of XXXX called to confirm there was a mistake on their end and that the adverse reporting would be fixed, however, upon checking my credit on XXXX XXXX and Experian, I am seeing only 1 bureau has updated my payment rating and removed the late payment and that all bureaus have not raised my scores to its respective states before this adverse action was mistakenly taken by XXXX XXXX XXXX. 

In the month of XX/XX/XXXX  I sent a Billing Error Notice to XXXX XXXX XXXX : Under Regulation Z 1026.13 Billing error resolution. 

( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : Official interpretation of 13 ( d ) Rules Pending Resolution ( XXXX ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date Hence, the payment was withheld until my issue was resolved, the issue has still not been resolved but I opted to pay the full balance and yet it was still reported that I was past due. When I attempted to re-dispute this information with the bureaus, I am only seeing that the dispute was complete but no significant raise to my credit score has been provided and no removal of the past due status in the month of XXXX has been removed. This is a direct violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

n 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. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts 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 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 XXXXNAVY FEDERAL CREDIT UNION ACCOUNT 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 NAVY FCU 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 XXXXXXXX 15 U.S.C 1681 SECTION 602 A. states i have a 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 instruction. 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 REPORTING AGENCY IF THE PERSON KNOW OR HAS REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS ACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct 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
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that both XXXX XXXX and XXXX have been sharing my personal information with the credit reporting agencies without the express written consent. This information includes but is not limited to : transaction history ( late payments ), balance, and experiences. My credit cards are a matter of consumer law.

Pursuan

t to 15 USC 1681a ( 2 ) ( i ) Exclusions report containing information solely as to transactions or experiences between the consumer and the person making the report. Therefore, late payments and account balance SHOULD NOT appear on my consumer report. Pursuant to 15 U.S. Code 1681 - Congressional findings and statement of purpose, ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficie
ncy of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

The privacy statements provided by both XXXX and XXXX states that my personal information can only be shared with the credit bureau and affiliates. Pursuant to 15 USC 1681a ( w ) The term Bureau means the Bureau of Consumer Financial Protection. In addition, pursuant to the U.S. Consumer Privacy Notice provided by XXXX, the term " Affiliates '' means Companies related by common ownership or control. Therefore, the privately held credit reporting agencies would be excluded from being able to use the above mentioned information on my consumer credit report without my express written consent. 

I have contacted both XXXX  and XXXX to opt out of all data sharing with any and all third party nonaffiliates, including but not limited to XXXX, XXXX, Equifax, XXXX XXXX, XXXX, XXXX, and XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :. 

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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXX Mortgage Account Dear CFPB, I am writing to formally dispute the accuracy of late payments reported on my XXXX mortgage account on my credit report. I previously submitted a dispute regarding these discrepancies, but despite this, the reported errors remain unchanged. In light of this, I am requesting that Equifax conduct a thorough re-investigation into the inaccuracies detailed below. Additionally, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), I request a detailed description of the investigation process followed by your agency within 15 days of receiving this dispute. 
Summary of Discrepancies The XXXX mortgage account displays significant inconsistencies in late payment reporting across the bureaus : XXXX and XXXX report late payments in XXXX and XX/XX/XXXX and XXXX, XXXX, and XX/XX/XXXX. 
Equifax shows only three late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These discrepancies violate the Fair Credit Reporting Acts requirement for accuracy in reporting. I request that you thoroughly investigate these discrepancies and correct the account status to reflect Paid As Agreed Never Late accurately.

Request for Documentation Under 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I request a detailed description of the investigation process conducted by your agency in response to my dispute. Additionally, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), I request that all transactional information regarding my account that solely pertains to my experience and payment history be reviewed for accuracy. I ask that this investigation be conducted within the legally mandated timeframe of 30 days and that the results be provided to me in writing.

Furthermore, if you can not provide evidence to substantiate the late payments, I demand that the account be updated to reflect its accurate status as Paid As Agreed Never Late. In the absence of valid proof, I expect immediate correction of my credit report to reflect my timely payments, which is my right under the FCRA.

Reference to PAANL ( Paid As Agreed Never Late ) The account history should reflect Paid As Agreed Never Late to ensure that my credit report accurately represents my financial responsibility. My records indicate that I have upheld all payment obligations without delay.

Thank you for your attention to this matter. I look forward to a prompt and accurate resolution in alignment with the standards set forth by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX i sent my vehicle to XXXX to get the a/c repaired. The company offered to finance the repair through a creditor called KOALAFI. I was told if I pay off the entire balance of {$2300.00} ( labor/parts ), I would not be charged interest. On XX/XX/XXXX, I paid off the remaining balance of {$1300.00} after making monthly payments. Turned out, the creditor did not warn me that my time limit was approaching and I miscalculated the 90 days by 4 additional days. They are now wanting to charge me {$1900.00} in interest for being 4 days late. I think the creditor is trying to take advantage of the situation to make a big profit for themselves and is not acting in a prudent manner. Ref Invoice # XXXX from XXXX
Product: Credit reporting or other personal consumer reports

CFPB complaint number : XXXX To Whom It May Concern, I am filing this complaint regarding TransUnion 's failure to address inaccuracies in my credit report and its willful noncompliance with the Fair Credit Reporting Act ( FCRA ). This ongoing issue has caused significant harm to my credit score and financial reputation. 

Background On XX/XX/year>2024, I noticed an unexplained and unjustified dip of over XXXX points in my TransUnion credit score, dropping it from XXXX to XXXX. I immediately reviewed my credit report and found no new accounts, missed payments, derogatory marks, or significant changes in credit utilization to justify such a drop. 

My Efforts to Resolve the Issue Since then, I have contacted TransUnion multiple times to dispute the inaccurate credit score and request a reinvestigation. Despite providing evidence of my excellent credit habits and stable scores with other bureaus, I have only received vague or dismissive responses, and the issue remains unresolved. Seven months have passed without any meaningful resolution. 

Violations of the FCRA Under the FCRA, TransUnion is legally obligated to : Ensure the maximum possible accuracy of the information it reports.

Conduct a reasonable reinvestigation of disputed information within 30 days of receiving a dispute. 
Provide the consumer with the results of the reinvestigation and correct or delete any inaccurate information. 
TransUnions failure to address my dispute, conduct a reasonable reinvestigation, or correct the inaccurate information constitutes willful noncompliance under 15 U.S.C. 1681n.

Harm Caused by TransUnion 's Inaction The inaccurate credit report has caused the following harm : Damage to my financial reputation.

Potential impact on my ability to secure favorable financial opportunities.

Requested Resolution I am seeking the following : A thorough and immediate reinvestigation into the cause of the credit score drop. 
Correction or removal of all inaccurate information from my credit report. 
A detailed written explanation of the investigation findings and corrective actions taken. 
If TransUnion fails to comply with its legal obligations, I will pursue further action, including : Filing formal complaints with the Federal Trade Commission ( FTC ) and my State Attorney Generals Office. 
Seeking damages through legal proceedings, as provided for under the FCRA. 
Supporting Evidence Attached to this complaint are the following documents : Screenshots of my credit reports and scores showing the discrepancy. 
Correspondence with TransUnion regarding my disputes. 
Evidence of my stable credit history and scores with other bureaus. 
I trust that the CFPB and TransUnion will take this matter seriously and act swiftly to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordinace with the fair credit reporting act. XXXX  account XXXX XXXXXXXX XXXX XXXX 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 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
Product: Money transfer, virtual currency, or money service

I wired money from my Bank of America account to my account with XXXX In XXXX XXXX. The amount was sent but was then returned according to XXXX XXXX, it was been out back in to my account in America and I have been trying to get hold of someone in the bank to help me with this. even when I finally get hold of them I am transferred to another department, who either dont answer the phone or hang up. I have spent about 8 hours on the phone over the last 2 days and still havent managed to get to speak with anyone who is willing to resolve this issue. My confirmation code is XXXX