23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Experian 's credit report still has not updated the XXXX mortgages The first mortgaged address identification number is XXXX date open XXXX XXXX First reported XXXX XXXX type Mortgage Terms 26 years Monthly payment {$1000.00} Credit Limit or original amount {$130000.00} High Balance Recent Balance {$110000.00} of XXXX XXXX Resposibility Joint With XXXX XXXX XXXX Status Petition for Chapter XXXX Bankruptcy {$3200.00} past due as of XXXX XXXX This account is scheduled to continue on record until XXXX XXXX Comment Loan Modified Account History filed chapter XXXX bankruptcy on XXXX XXXX, XXXX. How ever this is wrong, We file Bankruptcy on XXXX XXXX not XXXX XXXX, XXXX, and further more we do not owe or behind {$3200.00} this is wrong. We were approved for a Modification from XXXX in XXXX XXXX and when we file XXXX XXXX, XXXX we had the modification taken away but because of the Chapter XXXX they stopped all communication with us. So we had no idea that the modification was taken away every time we would call the answer we got was we can not disgust this with you have your attorney call us. So we paid the modification for a year of {$800.00} and sometimes more when we had it but we had to catch all of that up because of poor communication. Also we do not owe {$110000.00} our balance is {$110000.00}. Please correct this and we did not file bankruptcy on XXXX XXXX, XXXX it was XXXX XXXX, XXXX now the second mortgaged with XXXX XXXX XXXX XXXX XXXX was strip we owe nothing to the second mortgaged and the recent balance is not {$18000.00}. We are not past due and we did not file chapter XXXX bankruptcy on XXXX XXXX, XXXX it was XXXX XXXX, XXXX. Please have Experian fix this. Experian has not removed XXXX XXXX XXXX address identification number XXXX and identification number XXXX date filed XXXX XXXX Calim amount {$1900.00} Status civil claim judgment judgment in favor of XXXX XXXX bank XXXX this is satisfied needs to be removed or changed to judgement is satisfied. please have Experian fix this. and XXXX XXXX XXXX CT XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX address identification number XXXX and identification number XXXX date filed XXXX XXXX Claim amount {$1600.00} Status Civil claim judgment Judgment in favor of XXXX this item needs to be removed or change to this judgement was satisfied. Please have Experian fix my credit report. they have left all this negative stuff on my credit report and I am trying to get finance for a lower interest rate for Mortgaged. I can not get any where until they fix my credit report.
Product: Student loan

I am the co-signer on XXXX student loans with Sallie Mae. The terms and conditions of the loans I have taken state that any payment received will be first applied to satisfy the minimum due amount for all loans, and any excess amount will be applied to the loan with the highest interest rate. I have sent a letter to Sallie Mae with the same instructions, and asked them to keep it on file. 

For the past XXXX payment cycles since taking the XXXX loan, Sallie Mae has not followed these terms. Instead, they apply full amount to XXXX loan, and let the other loan go into arrears. In addition, they initiate an automated calling prompt to my home phone, my cell phone, and the student borrower 's cell phone, in escalating frequency. These have continued even after I have had numerous telephone calls and assurances that this issue is in the process of being resolved. I am left to assume that Sallie Mae is unable or unwilling to change their processes without intervention from their regulating authority. 

I consider these unwarranted auto-dial calls harassment and ask : 1. for them to cease immediately, and 2. for the CFPB to instruct Sallie Mae to follow the terms and conditions of their promissory notes. 

I ask that the CFPB intervene specifically on my behalf, and if there is any class actions that can be taken, I want to consider being a part of those. 

For reference, today I have spoken with the following people at Sallie Mae who have been unable to resolve this issue : XXXX in Tennessee ; XXXX in XXXX, DE ; XXXX in XXXX, DE ; and XXXX, in XXXX, DE. XXXX 's employee number is XXXX.
Product: Credit reporting or other personal consumer reports

Over the pass almost 2 years, I have contacted XXXX about fraudulent credit checks on my credit report. Each time I summitted a dispute on line they come back the net day and say the inquiries will stay on my credit for 2 years. I did not apply for any mortgage but XXXX is in so many words saying I did apply for a loan from these Mortgage companies. 
I have a freeze and a block on my credit reports all 3 of them and they have been there for about 8 years but still XXXX allowed these companies to check my credit. I have sent mail over the pass 2 years and they sent back by e-mail saying they will stay on my report for 2 years. I have also sent several letters to XXXX about this but I never got any response back from them, it's like they threw the letters away. I also sent form 605B and no response from them. I don't understand why they are doing this. They don't care about anyone 's credit being exposed. They are allowing companies to check my credit without my permission. I also ask them by mail if I could put a statement on my credit report but to no avail. They said I had to write to them so I did but they did not response back to me about this. They are just allowing anyone or company to check my credit. What good a is a freeze and a block on my credit when they are allowing companies to check my credit. This is not right.
Product: Credit card

i thought the guy was real and i send him my cards info and hes going to send it all over the website
Product: Credit reporting, credit repair services, or other personal consumer reports

have not received credit report within the 30 days. 
will you please help me with this and make them send them to me.
Product: Credit reporting or other personal consumer reports

My account with Experian 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 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. 


Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


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

I deposited a check less than 7 months old, not realizing that checks have a 6-month expiration date, since I very rarely use them. In addition to rejecting the check, Chase had the gall to charge me {$12.00}. It was all done online. No human hand ever touched this process, so it cost Chase exactly nothing to reject the check beyond the paper letter that I have no way of opting out of. This is profiteering, plain and simple.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian to remove a an inaccurate report from XXXX about my student loan. On XX/XX/year>, my student loans that were managed by XXXX were discharged under PSLF. The dispute report stated that the reported account was accurate and up-to-date, which is a lie. 

I appealed this dispute and provided documentary evidence of my loan discharge letters from FSA and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have personally been affected by several data breaches. I have found serval fraudulent accounts on my report and I am requesting the are removed immediately.
Product: Credit card or prepaid card

I signed up for auto pay. This month, I was charged late payment fees and interest because the auto pay didnt work. I had XXXX the credit card amount in my checking account at the bank, so it wasnt an inability to pay. The bank auto pay didnt work and then I was charged for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent for these consumer reporting agencies to furnish any information disclosed in my FTC report to any person.
Product: Credit card

Dear CFPB Staff : Tempted by an offer in XXXX 2016, I initiated a balance transfer with Pentagon Federal Credit Union, and wanted to transfer {$1300.00} from my XXXX XXXX credit card ( XXXX XXXX card ). Three months and hours of phone calls later, I still have a debit balance on my PFCU account for the {$1300.00} transfer, but never benefited from the transfer at all. We did determine through phone conference calls that PFCU put the wrong account number on the check they sent to XXXX, who claims to have sent the check back to some other account holder ( due to the wrong number on the check from PFCU ). XXXX then offered to stop payment on that check and mail another check to me, which I would then remit to PFCU so they could remove my debit. That was three weeks ago and I am tired of waiting. 
[ Find below a recent email from a PenFed representative. ] XXXX XXXX XXXX PenFed CU customer XXXXXXXXXXXX XXXX XXXX Dear XXXX XXXX, I apologize that this situation still has not been resolved for you. When we last spoke with XXXX, they said that they were going to issue a stop pay on the check they issued back to PenFed and then issue a new check payable to you. I am happy to assist you in making another call to XXXX 's in regards to the check that were supposed to be sending you to see if we are able to get a status on it. As you know, XXXX will not speak with me about this issue without you being on the phone and giving your consent for me to speak on your behalf. Please let me know if this is something you would like to arrange. If so, please give a day and time that will work for you for us to call them together. Once we receive the check I assure you it will be backdated to the date of issuance. 
Again, I apologize for all of the inconvenience this matter is causing you. I will continue to do what I can to assist you in getting this matter resolved. 
XXXX XXXX XXXX XXXX XXXX XXXX : XXXX | XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX PenFed.org ] XXXX XXXX XXXX PenFed CU
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX, Equifax and XXXX consumer report and I noticed some accounts that should be EXCLUDED from my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and I saw that my score is low. I'm shocked. I don't understand why you put this information on my account. I believe someone used my personal information and applied for this. Now I cant even apply for credit card because of these information
Product: Credit reporting or other personal consumer reports

Account was paid off and closed but it's affecting my credit score
Product: Credit card or prepaid card

I signed up for a credit building debit card from chime.account was approved and card sent out aswell as multiple emails on how to activate card make purchases or add money. I went through all steps, password and personal info after downloading app for the card in order to activate, after receiving the card in the mail I went to activate the card like it says through the app and it wouldn't let me sign in with my password wich I did not forget and have written down on fact.i try the steps to reset password on my own, they ask you to send a picture of yourself and a picture of your id front and rear bar code, then they say were texting u a pass code, no code is ever received, there's an option to update phone number, they ask u to send a selfie and and id picture, then I will receive a pass code only the pass code does not work, tried multiple times multiple ways, im very capable of online type sinus things and using devices. No mistakes on my end! I call customer service wich is a never ending loop of the same recording, so I try the fraud department and finaly talk to a human, who does absolutely nothing besides suggest what the online app does, after explaining ive send my id and selfies multiple times he tries sending me a passcode to reset my password, nothing ever comes in, you can hear children playing in the background I should add.afyer waiting with the guy for 20 mins no text, no email no nothing... so he says there's nothing he can do and someone will call me in 2 hours ... .no call received its been a week.aftwr multiple emails with an automated customer service robot I've asked multiple times to discontinue my account or to please have a number sent or someone contact me to fix the situation.after my repeated efforts they continue to email me the same message asking for my ID and selfie... .I belive chime is a fake company and if they are not they need to be shut down based on customer service alone.my name.is XXXX XXXX XXXX XXXX ) XXXX XXXX ca XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Product: Credit card or prepaid card

On XX/XX/2020 at XXXX XXXX  I went to the ATM machine to withdraw {$200.00} to pay my bill in the machine did not dispense my money I talk to the Store guy he tried to call and couldnt get through but had me come home and call my financial my card
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX   XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
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 XXXX  Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or 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: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding the inaccurate reporting of several accounts on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Despite my attempts to resolve these inaccuracies directly with the credit reporting bureaus, the situation has not been rectified. 

Details of Inaccuracies : XXXX XXXX  XXXX Account No : XXXX This account has been inaccurately reported as a charge-off with late payments that did not occur. Despite multiple disputes, the credit bureaus have failed to correct or delete the erroneous information. 
XXXX XXXX XXXX Account No : XXXX This account has inaccurate reporting of late payments and incorrect account statuses. These errors have persisted on my credit report, despite efforts to dispute them. 
XXXX XXXX XXXX Account No : XXXX The reporting of this account includes a collection status that is inaccurate. These entries have been challenged but remain unresolved. 
These inaccuracies are in direct violation of the FCRA, specifically : Section 609 ( a ) which ensures consumers ' right to accurate reporting.

Section 611 which requires credit bureaus to conduct reasonable investigations when disputes are raised.

Section 623 which holds furnishers of information accountable for providing accurate data to the credit reporting agencies.

Efforts to Resolve the Matter : I have contacted the credit bureaus and the original creditors on multiple occasions to correct these inaccuracies. Despite submitting formal disputes, the credit reporting agencies have either failed to investigate properly or have not corrected the information. This has caused significant damage to my credit profile. 

Requested Resolution : I am seeking the immediate deletion of the inaccurate information from my credit report. I request the Consumer Financial Protection Bureau to take appropriate action and ensure that the reporting agencies and creditors comply with the FCRA. 

Attached are copies of : My dispute letters to the credit bureaus.

Credit reports showing the inaccurate information. 
Sworn affidavits outlining the inaccuracies and violations. 
I appreciate your attention to this matter and look forward to a prompt resolution. 

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

Bummed that the Experian Dispute portal is still down. I have mentioned this when I have called recently. There are many addresses that are on my report that are not being reported to Experian they are not accurate.
Product: Credit card

I have an outstanding balance on my credit account with Synchrony Bank. My last payment was a substantial portion of the principal balance. I missed my last payment and have since become a victim of what I believe to be illegal collection practices based on the information provided on the ftc.gov webpage. They are repeatedly calling my phone up to XXXX times daily. I believe they should be held responsible for inappropriate collection practices, and I intend to withhold payment based on this principle.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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. 

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 XXXXXXXX Theses are all reported improperly
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of Identity theft, request removal and deletion of the listed fraudulent accounts on my transunion, experian, and equifax credit report. XXXX, Inquiry date:XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX Inquiry date: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 Inquiry date XXXX XXXX XXXX Inquiry date  XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/ I made my mortgage payment in the amount of {$1300.00} to the Mortgage Center This payment was made from my online banking account with XXXX XXXX XXXX. The Mortgage Center didn't receive my payment until XXXX. This caused a late payment and a negative credit rating. I emailed XXXX XXXX, XXXX XXXX Representative. She advised that payment wasn't received until XXXX. I notified my XXXX branch XXXX, XXXX XXXX. She was told, by the Mortgage XXXX, that the payment wasn't received until XX/XX/2024. XXXX XXXX, XXXX XXXX XXXX, provided the phone number to her boss XXXX XXXX at XXXX ext XXXX. It is my understanding that payment will be applied the day payment is received by branch. However, after auditing my payments, it does appear that most payments are applied within XXXX hours of receipt with few exceptions.