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

My account with the XXXX and i was never late! I have had exceptional payment history with this company 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 1637 ( 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 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: Vehicle loan or lease

Toyota financial online payment system had a glitch and had reset my automatic payment setting without notifying me on such issue and did not take payment for that month XX/XX/2023 of {$620.00} when I had it set for automated payment setting. I tried to resolved this, and wrote them a letter to rectify matter with no response. Their website went thru technical issues and reset jet they didn't send any email, text on problem to be able to reset and enroll again in time and my credit went down because of it. From my payment history it clear I don't miss payments before XX/XX/2023 or after XX/XX/2023 when this was reported to credit monitoring companies. 
I ask for help to resolve this as my credit went down due to this negative report and no correction to be expected in 7 years. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i disputed a account on my Experian credit report in reference to child support on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX each time i disputed the item i asked for method of verification and each time i was told Experian does not verify the accounts. i was told Experian assumes the furnisher of the debt is truthful and honest. they are not following the law and the rules set in the FCRA they refuse to verify a fraudulent and inaccurate account on my credit report which is prohibiting me from obtaining credit. Child support is not a credit account or installment account. Experian obtained this information via 3rd party and will not verify the validity of this account please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. ) XXXX, Equifax and XXXX refuse to remove fraudulent accounts from my credit profile in which is a result of identity theft. 2. ) Their claims are without facts and they make statements such as the creditor certified the information. 3. ) Upon my request to to review the certification documents that the creditor certified all credit reporting agencies denied my access to review the file. 4. ) a creditor must not certify its claims ; it must verify its claims and alleged debts in which XXXX has not verified its alleged debt, there is no original contract between I and XXXX and I have never lived at XXXX XXXX XXXX XXXX XXXX ; XXXX Florida XXXX. XXXX. ) therefore no debt can be verified and must be removed and I am no longer to be harassed by XXXX over debt that is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried getting this issue resolve directly with equifax, equifax has failed to investigate this issue or remove those accounts i am a victim of identity theft i have submitted a FTC report and proof of my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX /  XXXX   I have been applying for Mortgage Loans and  Auto Loans and  they are trashing  my credit score  and providing false information. All credit reporting Agencies.     Key Factors -  XXXX  - Need to find the best loan possible, if they were not all thieves I could just apply and move on.    XXXX  - I have  XXXX  checking account  XXXX  and an auto loan through  XXXX  and I have to many accounts?    XXXX  - I keep a consistent balance in my checking account and double up on my auto loan for early payoff, I have no high balances or revolving accounts.    XXXX  - I have been paying on my auto loan. An installment loan is a type of loan that is repaid in periodic installments ( usually monthly payments ) that include principal and interest.What is the problem?
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX, CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX Inquired on XX/XX/2021 ; XXXX XXXX Inquired on XX/XX/XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XX/XX/XXXX  ; XXXX XXXXInquired on XX/XX/XXXX  ; XXXX Inquired XXXX XX/XX/XXXX  ; XXXX XXXX  XXXX XXXX on XX/XX/XXXX  ; XXXX Inquired on XX/XX/2021 ; XXXX  XXXX XXXX XXXX XX/XX/XXXX  ; XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX  XXXX XXXX XXXX XXXX XX/XX/2021 ; XXXX Inquired on XX/XX/XXXX  ; XXXX XXXX  Inquired on XX/XX/XXXX  ; XXXX XXXX Inquired on XX/XX/XXXX  ; XXXX XXXX Inquired XXXX XX/XX/XXXX  ; XXXX XXXX XXXX  Inquired on XX/XX/ ; XXXX XXXX Inquired on XX/XX/ ; XXXX Inquired on XX/XX/XXXX  ; XXXX XXXX Inquired on XX/XX/.
Product: Mortgage

Applied to refinance our home with XXXX XXXX NMLS # XXXX at M & T Bank. 
We were never told about paying points. When estimate came to us it had {$3700.00} in points on it. It took us emailing and calling 10 days to XXXX with finally a response. XXXX tells us on the phone dont worry about it because our appraisal ( we paid for {$550.00} on XX/XX/XXXX to M & T ), the LTV was so great, we dont have to pay points anyways. XXXX told us to sign the estimate docs to keep process moving forward and he will fix it. This refinance is going on almost a 2 month process. The next estimate we get from title company still has points. XXXX XXXX, Mortgage Processor NMLS # XXXX, was assigned and I told her from the start the points were supposed to be fixed to Zero points before the settlement estimate is completed. XXXX tells me that on XX/XX/XXXX the underwriter submitted the change and she never followed up. XXXX tells me she never heard back from us-I shouldnt have to constantly keep on top of M & T Bank to make sure they are doing their jobs. We have back and forth emails with us asking them is it fixed? When can we close? Etc. XXXX follows up and tells us XXXX lowered the points by half ( which would still be {$1800.00} approx ) out of our pocket and he also reduced our loan amount by {$500.00} without speaking to us! XXXX has never followed up or spoke to us since XX/XX/XXXX. All communication has been through XXXX since this date. XXXX has requested XXXX to contact us twice in which he has failed to do so. This whole process has wasted almost 2 months of our time!
Product: Checking or savings account

My phone and wallet with my ID and Debit and credit cards was pickpocketed from me late XX/XX/year>. 

The thieves proceeded to make several fraudulent purchases and withdrawals in the early morning hours of XX/XX/year> I had no phone or computer available to me to report the items stolen given it was the middle of the night and I live alone. 

Transactions : Merchant 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 {$40.00} The bank is claiming that these were " authorized '' transactions. They absolutely were not. I did not make these transactions. I don't know who made them or how they were able to do so. I did not give anyone my PIN. I did not benefit financially from these transactions in any way. 

Finally I live in XXXX XXXX XXXX and these transactions took place many miles from me. I have no car and had no phone or money to be able to travel anywhere near these locations to have any involvement in these transactions. 

I filed a police report with local sheriff 's department and can provide the information if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed my credit reports and saw that it is reporting in the summary/overview that I have 17 late payments on XXXX and 19 late payments on Transunion but there are no evidence of this in the accounts that I have on my reports.

This inaccurate reporting has been negatively impacting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I spoke with country door collections supervisor department ..I was told I dont owe anything with them and actually have proof I paid the balance they keep reporting. This defamation they are violating FCRA by refusing to remove the amount that is not due to them and account they are reporting to the bureau it has been more than 7  years that I have had an account with country door they are over the limitations and are reporting incorrectly. 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. They are not verifying this debt to be valid
Product: Mortgage

I was in a XXXX XXXX mortgage forbarece from approximately XXXX of XXXX to XXXX of XXXX paying approximately {$1700.00} monyhly prior to the forbarence. In or about and I was making payments to the lender to XXXX of XXXX I began making payments to the lender in different amounts to keep my loan as current as possible. When my finances began to improve in or about XXXX of XXXX I was informed that I could no longer remain under forebearanc. At that poit he lender stop accepting my payments and keep attempting to force me to agree to repayments options that are designed for me to fail. The option that they keep attempting to force me to accept is to pay {$6000.00} in an upfront lump sum and {$3200.00} per month for 12 months. Or to take all of the past due payments and put them back into the load with a more than 1.75 % interest rate increase. They keep insisting that there is no other options. I spoke with representatives of my banking institution and they informed me that my servicer may be in violation of the XXXX XXXX XXXX.
Product: Credit card

XXXX in XXXX I fell behind on credit card bills, I have - XXXX yr old child, I pay out of pocket for daycare $ XXXX monthly depending on the month Ive reached out via chat every month to try and get fees waived and lowered payments. The only plans Best Buy had would close your card. I have had this card for a decent length of time and I know credit age is important. In the coming years I would like to purchase a house and this is going to mess me up. Even when I make the payment amounts to keep the card open, they would report my payments as late. Now I understand it wasnt the full payment amount but I physically spoke with their agents who scheduled the payments just for me to still get late payments added to my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processed on Time : I made the payment on time, but it was not credited correctly, resulting in a late payment entry. I have attached the payment receipt and a bank statement showing that the payment was made well before the due date. 
System Error : I had set up automatic payments through my bank, and this particular payment was deducted from my account on time. It appears there was a technical issue between my bank and XXXX XXXX, which caused the delay in posting the payment. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX has called my phone with an Unkown caller-id mask dozens of times in the past 5 days. Their " Unkown '' number status is ranked with the likes of IRS scams, retail scams, and worse in apps such as XXXX and XXXX XXXX and they have absolutely no ground to hold any client responsible for missing or outright ignoring them. 

In order to determine who was calling me dozens of times, I had to purchase a subscription to XXXX ( a mobile app that allows unmasking of Unkown caller ids ). 

They called about a bounced payment which did not reflect on my consumer web app, nor my bank account, which lead even more into the belief that this series of unrelenting calls was a scam.
Product: Debt collection

Williams & Fudge ( Account # XXXX Pin # XXXX / # XXXX XXXX XXXX ) - mailed me a letter trying to collect on a previously disputed very old and unknown fraudulent debt. I mailed them a letter XXXX via certified mail advising that I am a victim of identity theft, the unknown debt they are trying to collect is a time barred debt in which has expired the Florida statue. In addition, I sent them a copy of the police report with a memo telling them to cease contact. Lastly on XXXX a relative called me telling me that this company contacted her very late questioning and not disclosing further information regarding who was calling. I need Williams & Fudge to cease and stop collecting on this fraudulent and unknown debt.
Product: Consumer Loan

This is an addendum to my previously submitted complaint case # XXXX. I have recently pulled all XXXX of my credit reports and found that ALLY has reported my payments 30 days late for the past 6 months, including the month of XXXX 2017, which is incorrect and literally impossible being that it is XXXX/XXXX/17. Once again, when logging on to my on-line account portal my account shows being paid. 
This has negatively affected my credit score to a point that it is irrepairable at this point.
Product: Credit reporting or other personal consumer reports

I want to dispute this debt because this debt does not belong to me. I had received an email today about this debt informing me that I had ( 30 ) days to submit a dispute to Unifin INC . I remember filing a dispute with the Consumer Financial Protection Bureau ( CFPB ) about his debt already back in XX/XX/year>. I had called the previous creditor ( XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX ) and they had said they werent going to furnish this debt on my credit report because this debt is not mine. The Consumer Financial Protection Bureau ( CFPB ) did write me back also saying that this debt wasnt mine couple of years ago. I did submit another Consumer Financial Protection Bureau ( CFBP ) Dispute last month when I notice that this debt was still on my credit report. Im now submitting along with appeal a copy of my U.S passport, Social Security and State ID card to help in disputing this debt. Im also submitting a copy of a brand new Consumer Protection Bureau report filed today XXXX XXXX for this debt and new creditor in the name of XXXX XXXX XXXX This debt was also previously deleted off my credit report and should not have been added back on again.
Product: Credit reporting or other personal consumer reports

In XXXX  some one buy and vehicle XXXX XXXX under my name I will lose my wallet on XXXX  on XXXX XXXX in New York I didnt report the police because i thought wasnt necessary after months I find in my credos report appears many hard inquiries not belong to me like applications for mortgages /credit cards/car loans different banks and checking accounts the bank in mention is first third bank located in Kentucky and XXXX credit cards on XXXX XXXX  and XXXX XXXX XXXX  I need some resource to dispute all this wrong information because I try to buy my first house due this negative for the loan mortgages companies for my and my family block the dream to buy our home and the unfortunately collaborate the banks an the credit bureau never try to deep investigation only XXXX not XXXX or Equifax they remain the total wrong information and ask me To get police reports I did fill like 4 times but still remains
Product: Money transfer, virtual currency, or money service

On XX/XX/23 my son XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXin XXXX XXXX XXXX in CA. 
He was XXXX, XXXX  children, and had less assets that required probate. 

He had an investment in crypto with Coinbase. Their customer service number has 5 options, the first 4 didnt fit so I selected 5-which disconnected me after giving me their website.

I have chatted with numerous agents online and have provided them with all documentation they required-including me having to open my own Coinbase account. They needed a probate form notarized, selfie, d/c, my DL and a statement to transfer his funds into mine. That was over a month ago. Meanwhile they hold my sons assets XXXX and he has lost over {$2000.00} while I continue to wait. 

I contacted Congressman XXXX XXXX who recommended your agency and the FTC. 

This has been extremely difficult as I try to deal with his affairs while in total grief. He was my XXXX child and I am heartbroken. 

Thank you for any assistance.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other deposits. Capital One has sited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Checking or savings account

I opened an account on XX/XX/2021 with Chime online banking. I direct deposited my work check on XX/XX/2021 into the account and bought Bitcoin this last week to try to make some extra money after XXXX had boosted the price. After my investment I wanted to transfer back XXXX dollars to my chime account to pay my bills. They then locked my account and told me to provide verification details like an government Id and utility bill. I emailed these documents to them in jpeg format like they requested. The email was sent on XX/XX/2021. They replied a few minutes later saying that the information wasnt valid and they would be permanently closing my account and can not offer a refund. I asked for more information but got the same response.
Product: Checking or savings account

Our cell phones were a victim of " XXXX XXXX ''. Although I was able to change my profile to a new email address, I was not able to update my new phone number. The web site instructed me to call a XXXX number. I called the morning of XX/XX/XXXX to update the number. They authenticated me and placed the request. The morning of XX/XX/XXXX, received an email asking me to call as soon as possible. I called that morning and was authenticated by XXXX different people and was told my request was still in review. I received another email that day asking me to call asap, I did and was authenticated again but was told my case was still " in Review '' I asked if any money had been removed but refused to give me any information. I called again on XX/XX/XXXX, was authenticated twice but was told still in review. Refused to let me speak to a supervisor and told I have to wait but had no idea on how long. I asked how can I close my accounts by paper, told I have to wait until they get around to it. I have asked to close my accounts and they refuse. I have no access to my life savings and they will give it no priority.
Product: Checking or savings account

On XX/XX/2022, I wire transferred XXXX to my CitiBank checking account. On XXXX XXXX, my account was flagged for suspicious activity and a freeze was put on my account. I have called the past 3 days, and they continually say they can not help me Because a special investigator is currently looking at my account. I made all transactions, I confirmed and even called Citibank before to tell them I was making these transactions, yet they still froze my account, and I can not access any funds with it at all.
Product: Prepaid card

The problem was not an option in the previous step, but has been the subject of a major fine by the department to the company involved, very recently. 

We received a prepaid XXXX debit card by Block , Inc. which we did not apply for. There was minimal information on the single sheet of paper that came with it. 

Immediately, I assumed it was a scam and did an Internet search and found the ruling against Block Inc issued on XX/XX/XXXX of this year. 

I would like to know what steps I should take, in case this card is a result of identity theft. 

I can not attach a photo of the card or the letter, since it has account numbers and a QR code that could be accessed automatically if there is a hack in the banking system.