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

My account with was never late! I have had exceptional payment history 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 to be 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.

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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 

I have sent multiples letters regarding this account with the most recent letter being XX/XX/year>.
Product: Mortgage

In XXXX we had our mortgage modified due to job loss and medical reason. The was set to increase interest as the loan matured. Back in XXXX I reached out the XXXX lending as the payment amount was going to increase from {$3300.00} to {$3600.00}. I tried working with the company to refer or modify the loan. XXXX sold the loan to FCI. During this time I was working with a company by the name XXXX to assist with a modification. XXXX advised to stop making payments as they would work with FCI. After about two years of trying to get this worked out I fired XXXX and started to talk with FCI directly regarding a modification. FCI forgave the back interest on the loan. We were caught up with payments until about XX/XX/XXXX. We are currently behind one payment. I have sent FCI information showing my father who is on the loan is on XXXX. He has been on and off XXXX for the last 5 years. The current XXXX is around a year time. During this time I faced job lose 3 time from XXXX to XXXX. I am currently furloughed with my current job as well. FCI has been made aware of this as I continue to seek assistant.

FCI has declined any assistant. In XXXX of XXXX I requested FCI to escrow home owners insurance. FCI declined and as a result has charged me {$310.00} per month for they insurance on the home. 

Our current payment is {$3900.00}. I have made it clear to FCI that  I need my payment lower and they seem to have the idea that they will do cash for key or take the house. 

With Covid 19 and my being furloughed as my father on XXXX, we are struggling to make our payment. we owe about {$580000.00}. The home is worth around {$870000.00}. I have asked FCi to work with us on the past due amount so that we can refi and they refuse. 

I have sent several emails to try and work with them, but they will not budge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been able to resolve an issue with a wrongful insert of derogatory information inserted into my credit profile. I have provided the credit reporting agency copies of my identity, police report for identity theft, Additionally, have requested method of verification. As of to date, I have not received any update. Except a generic letter stating verified as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my personal information to accurately reflect per the attached.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I need your help with this false account appearing on my credit report. It has damaged my reputation as a customer, and I am seeking your assistance. These accounts need to be taken off as they are reported inaccurately and reflect poorly.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and credit inquiries listed on my XXXX XXXX and Experian credit report is fraudulent, unauthorized, not mine and dont belong to me : The XXXX XXXX XXXX, XX/XX/XXXX, {$360.00}, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inquiries from my credit report from all 3 credit bureaus for 3 months and to date no resolve or removal.
Product: Credit reporting or other personal consumer reports

I have noticed accounts on my credit report that I did not open, suggesting potential fraud. Kindly remove and block these entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

i NEED YOU REMOVE SOME INQUIRY 


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

I tried to apply for a gas card through XXXX and was denied due to showing 12 hard inquires on my credit report. I checked my credit report and as a result saw there were hard inquires on my credit report as well as my personal information is incorrect and needs to be updated my day of birth shows XX/XX/XXXX and that is incorrect. There is information on my credit report that needs to be deleted due to have been paid off, it 's from the XXXX XXXX XXXX XXXX it was originally from XXXX XXXX then was appointed to the government. I have filed a complaint before in regards to the issue I had with XXXX XXXX, which now is XXXX, but related the another issue. It is reported as closed but is showing on my credit report. The hard inquires for these last 12 months are not something that i recognize and would like them removed off my credit reports. 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl XXXX XXXX XXXX SD XXXX ( XX/XX/XXXX ) 2. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ( XX/XX/XXXX 3.XXXX UT XXXX ( XX/XX/XXXX & XX/XX/XXXX ) 4.  XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XX/XX/XXXX ) 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I want these hard inquired removed off m y credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI, I RECENTLY REVIEWED MY REPORT AND FOUND LATE PAYMENT ON THE DATES BELOW : CREDITOR : XXXX XXXX  ACCT # XXXX I WAS NEVER 30 DAYS LATE IN THE MONTH OF XX/XX/2017. I AM NOT SURE WHAT HAPPENED.MAYBE THERE WAS SOME SORT OF BILLING ERROR BECAUSE I HAVE ALWAYS MADE MY PAYMENTS ON TIME.
Product: Money transfer, virtual currency, or money service

Hello I have problem with coinbase company about a XXXX  transaction. I tried to contact the company but they don't answer my email and they dont have a number to call. On the XXXX XXXX in my coinbase wallet I sent some XXXX XXXX  from coinbase wallet to my XXXX  Wallet in coinbase.com. the transaction was approved but the funds never arrived. They told me that I cant send swap different currency. So I gently asked them to reverse the transaction but they told that they cant and my money are lost. They value of these funds now is XXXX XXXX 
The transaction hash is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTING ITEMS THAT ARE A RESULT OF IDENTITY THEFT.
Product: Mortgage

On   XXXX   XXXX  , I  app    l ied for  a Conventional Fixed Rate First Mortgage at 5.000 % at  BBVA Compass Bank. After being pre-qualified for this loan amount that my credit score allowed.  I was instructed by  XXXX   XXXX   XXXX  mortgage loan  officer for BBVA Compass Bank to b egan looking for a house. After spendin g three mon ths looking for a house, we finally located a house that we like and thought was our dream come true. Once, we agreed that this is the place we want, then we were ask for fees, starting with a {$500.00} deposit for th e Realtor at  XXXX . After  that, we were ask for {$270.00} inspection fee of the house. We paid all of these fees and was about to pay an additional {$420.00} fee for appraisal. At the sametime, we thinking that it will not be long before closing time. However, the underwriter denied the loan because we were lat e one time in three years on a    XXXX  credit account.My problem with this process is telling us that everything is going great and time we spent looking for a home. Also, thinking loan was approved! we would have wasted our time and money for this. Another question is will we get our money back spent on those fees. I think the underwriter should have the first look at the application, before my time was wasted and they could have made that determination in the beginning. Now they want to offer us another Conventional Loan with a {$2400.00} down payment for the same house. However, I 'm a little worried about this cause the late payment  in three years  on my  XXXX  credit card is still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters via certified mail requesting that they verify the alleged debt that the company claims I owe. The tracking from the USPS shows the letters were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. It has been more than 210 days and I have not received any proof that the company validated the debt. The accounts are not in dispute either. Per the FCRA, 30 days is the limit for these investigations, I've been more than patient for 210 days and I still have received no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX the following accounts -XXXX  # XXXX -XXXX # XXXX -XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX & XXXX # XXXX -XXXX XXXX # XXXX have Violated my rights! !!! - 15 USC 1681 Section 602 A. St
ates I have the right to privacy.

- 15 USC 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 or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collector : XXXX XXXX  XXXX XXXX Account No. XXXX Balance : {$510.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$510.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$460.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$380.00} Collector : XXXX XXXX XXXX Account No. XXXX Balance : {$460.00} This is a formal complaint against Equifax, XXXX, and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 


I have disputed these accounts several times because the date open is reporting inconsistently. The letters came back verified and the accounts are continuing to report errors after they claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes.
Product: Credit reporting or other personal consumer reports

After conducting a thorough investigation on my credit report, I was dismayed to discover unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported correctly. This has caused severe distress and emotional turmoil. 

In accordance with the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report be reported with 100 % accuracy. However, the accounts in question are in violation of FCRA regulations, specifically under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which require complete accuracy in reporting.

I have attached copies of all correspondence sent regarding this matter for your reference and further investigation. I urge your agency to rectify these errors promptly and ensure that my credit report reflects accurate and verified information as mandated by law.
Product: Credit reporting or other personal consumer reports

Accounts are missing information such as balance, highest balance, monthly payments, and recent Payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled in Forbearance plan with the loan servicer below, and they reported it to credit agency as account under Forbearance. They denied me credit, so I couldnt close on my house. I need help to get this removed. 

https : //www.myloancare.com/pub/index.html # /Login? ReturnUrl= % 2f & AspxAutoDetectCookieSupport=1
Product: Checking or savings account

After the holidays, I reviewed my bank account and saw several unauthorized charges ( I had traveled north for the holidays, and these transactions were in Socal and also Arizona ). I reported them/filed a claim and closed my debit card and requested a new one be issued. They assured me I would not be responsible for any of the  transactions that were not mine and that was it. I moved the remaining funds out of my account in the meantime to avoid further issues, and heard nothing back on the claim status and didn't think anything of it as I have a medical condition and have been in and out of the hospital while I wait for XXXX in the next couple of weeks. I called to follow up today as I had received my new card and needed to activate it. They informed me the claim had been closed after a " thoroughly exhaustive '' review which somehow was performed that same day within a matter of hours and then closed. They denied my claim and said my only options were to call the merchant and file a police report. I informed them I had already contacted the merchant and they'd told me to contact my bank. Their response was they could do nothing else. I asked to be transferred to someone to close my account, but was left on hold for over 20 minutes so I had to hang up as I have doctor 's appointments today. I will call back and close my account later today but am so frustrated this has become so much work for me.
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 consumers rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

This is in response to my dispute with Key Bank over transactions from XXXX that I DID NOT AUTHORIZE. There are {$5000.00} in fraudulent transactions from this merchant. In your letter to me you say that the charges are considered authorized. What??? Show me a receipt with my signature and I 'll let this drop! I did NOT authorize these transactions. I am NOT going to let this go! I 'm attaching the letter you sent me. Nowhere in your letter is there any proof of these transactions being authorized! Show me my signature! You 're just trying to take advantage of a XXXX man!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting to my chexsystem that I owe them {$600.00}. I called XXXX XXXX XXXX and they said they do not see my having a balance. When I asked them to remove this from my chexsystem they said they could not do so because it would affect their rights to report to any credit bureaus. I need this fixed ASAP
Product: Debt collection

Hunter Warfield has caused me much anguish by reporting an invalid debt to the credit bureaus. Hunter Warfield occasionally removes and then re-inserts this invalid debt in order to illegally re-age this erroneous account. Hunter Warfield is reporting this item as an OPEN account. I never received notice of this debt from Hunter Warfield. I applied for a home loan and was denied due to this criminal act by Hunter Warfield. Hunter Warfield is claiming that I owe them {$3100.00} on a debt with an account number of XXXX. I have disputed this account with the credit bureaus and XXXXunter Warfield. My first debt validation letter was sent to Hunter Warfield on XXXX/XXXX/XXXX Tracking number : XXXX XXXX XXXX XXXX XXXX, I received a response back from a XXXX XXXX advising me that a contract with my signature stating that I owe them the debt was enclosed in the envelope. It was not enclosed in the envelope. This was just another XXXX of their deceptive tactics. They did not enclose a contract with my signature on it because it does not exist. I then sent Hunter Warfield a second request on XXXX/XXXX/XXXX Tracking number : XXXX XXXX XXXX XXXX XXXX, requesting that they provide me with proof that this debt belongs to me, but I never received a response back from the company and they failed to notify the credit bureaus that I was disputing this frivolous account. After several failed attempts with disputing this account with Hunter Warfield, I decided to dispute the account once again with the credit bureaus. I sent a certified letter to the credit bureaus requesting that they re-investigate this erroneous account and that they provide me with proof that this account belongs to me. I then received notification that my dispute was updated by the credit bureaus but the account for Hunter Warfield is still being listed on my credit file. This is a direct violation of FDCPA, FCRA and OCPA. This wrongful reporting has not only negatively impacted my life ; it has also had a negative effect on my family as well. I request the immediate removal of this account from all credit reporting agencies whom has been notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint includes CFPB, Experian, and XXXX. CFPB DO NOT DISCARD AS DUPLICATE AS YOU HAVE DONE SO MANY TIMES PREVIOUSLY. CFPB YOU WERE CREATED TO HELP CONSUMERS BEING TREATED UNFAIRLY AN INJUSTICE AGAINST THE CRA 'S, WHEN WILL THE CFPB BEGIN DOING SO?? I SENT AN EMAIL TO THE INTERIM DIRECTOR AT THE CFPB Mr. XXXX. After reaching out to CFPB Ombudsman. Experian, XXXX  are stating that they're verifying information with the furnisher XXXX regarding 3 bankruptcies filed in my name in United States XXXX District of Tennessee Bankruptcy Court in XXXX, TN. Experian has refused numerous times to provide there Method of Verification as requested by me. XXXX sent a letter to CFPB back in 2020 stating the removal of the bankruptcies from their files. XXXX have sent recently another letter to me showing no bankruptcies are listed. However, Experian, XXXX  have been stating that they '' ve verified information as being accurate through XXXX since 2020. I provided them with an FTC Identity Theft report, police report and a lot more documentation, yet they have not removed them. I have never lived in XXXX, TN. I want these bankruptcies off of my credit report. Along with XXXX XXXX XXXX loan. CFPB should investigate how the Experian and XXXX  have been verifying and reporting information from the furnisher XXXX, that they're not reporting.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to FIX these erroneous items. 
These were already included in my prior complaint and I'm including them again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX