23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Discover began threatening me to make payments by a specific date or they were going to disrupt my credit score significantly. I had made a payment on XX/XX/XXXX of {$270.00} and on XX/XX/XXXX they threatened me again that if I didn't make XXXX payments totaling almost {$1000.00} that they would report me to the credit bureau as delinquent. They did it anyway the same day and reduced my credit score by a staggering XXXX points. They said I was past due of 30 days and that's not 30 days. That's 23 days since I made a payment of nearly {$300.00}. They had offered me a payment plan and I got disconnected and when I called back, they said that plan was no longer active literally XXXX minutes after I was disconnected. When they reported me delinquent, I wasn't delinquent and had set up a pavement plan that allowed me to set my first payment of {$330.00} on XX/XX/22 and then each subsequent payment would be on the XXXX of each month of {$210.00}. They never should have reported me and did so when I was making payments it just wasn't as much as they demanded. They also told me that the plan I qualified for and is now active because I chose not to listen to their employees and just did it through the app and it accepted me and my payment plan. That's wrong of them to use fear tactics and threaten my score and then make such a massive hit to my credit score despite the fact I had just made a payment XX/XX/XXXX. The reason I didn't make an XXXX payment is because the app allowed me to delay it until XX/XX/XXXX and said that there would be no impact to my credit score since I set it up to be automatic and keep it automatic for each month. My credit needs to have the XXXX points restored and noted that I was not 30 days delinquent and they used fear and threats to try and scare me into paying. 

My user name for discover is XXXX
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 consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

Back in XXXX we went to court and a judgement was placed upon us for approximately {$2300.00}, by an apartment complex. They kept our deposits, and then we never heard from them. I reached out to the credit bureau, and filed a dispute, because we were wanting to move, and this was on our credit reports, holding us back. The amount was much higher than the judgement : about {$6700.00}. I don't believe we owe that much. When I disputed it, they changed the balance to the {$5000.00} range. I had the remarks about the dispute removed from the credit report, because we were trying to purchase a home, but they put it back on the credit reports.
Product: Debt collection

This collection is wrong and this is the wrong amount and its been in my credit report since 2017. I dont know nothing about this collection.
Product: Mortgage

I requested Wells Fargo to remove PMI when my mortgage reached 80 % LTV in the summer of XX/XX/XXXX. Wells Fargo declined saying that while I met all other requirements, I had to meet a 78 % LTV, not 80 %. When I met 78 % LTV in XX/XX/XXXX I  asked Wells Fargo once again to remove the PMI. They explained I need to pay another {$5000.00}. I asked that they explain the fee in writing. I purchased my house at {$150000.00} and my loan is now at {$110000.00}, I am within the 78

% LTV and I've never heard of a PMI waver fee. Wells Fargo keeps asking
for more time to review. I asked they quit stalling, because I am over paying while they stall. Wells Fargo responded that they needed 3 weeks and would have an answer for me by XX/XX/XXXX. So I held my XX/XX/XXXX payment and waited. 

It's now XX/XX/XXXX. I still haven't had the PMI removed or received an explanation as to why it hasn't been removed. I've already made one {$110.00} over-payment and will have to make another one on XX/XX/XXXX since Wells Fargo is purposefully dragging their feet. I can't pay late while I wait for their answer because it will give Wells Fargo grounds to deny PMI removal. 

Can you help me get an answer from Wells Fargo please?
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to Experian a month ago disputing some inquiries that i did not belong to me.
Product: Credit reporting

XXXX keeps reporting an account that is charged off and they are trying to collect on it. The original issuer sold it to them who is XXXX XXXX. Why are XXXX companies trying to collect off of the same debt. This should not be reporting on my credit report at all. It is hurting my report and Equifax has not did a thoroughly investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has completely denied me access to both my Credit Profile report and Scores in my attempts to dispute erroneous information being systematically placed on my credit profile that's been impeding on my abilities to gain any measurable employment and credit. Their willful actions is halting my ability to gain any meaningful credit and job to provide for myself and family. 

All hard inquiries on my Equifax credit profile as of the last month I had access do not belong to me, The only name that should reflect on it is my Full Legal Name : XXXX XXXX XXXX. The only address that it should entail is : XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX and my only personal phone number is : XXXX. 

XXXX XXXX XXXX with an account for {$1200.00} and XXXX XXXX XXXX with an account for {$580.00} are not mine and they must be deleted/removed off my credit report with deliberate speed. 



Equifax must follow aforementioned information provided and grant me access to my credit report with deliberate speed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This CFPB Complaint serves as a follow up CFPB Complaint for my previous CFPB Complaint requesting that the Credit Reporting Agencies investigate and remove the accounts that resulted due to erroneous activities. On XX/XX/2023, I sent a dispute letter to each of the Credit reporting Agencies to have the charge off accounts removed from my Credit File. In those letters I attached copies of my personal identifying documents to prove that it I who submitted the requests. I requested the Credit Bureaus to thoroughly investigate the following accounts and have them removed from my Credit File in accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} and XXXX XXXX XXXX XXXX Balance : {$2200.00}. These accounts are clearly erroneous and misleading and must be removed from my Credit file the sooner the better. I have attached the letters I sent on XX/XX/2023 for I fear that the letters I sent would not be received by the Credit Bureaus. This complaint serves as my assurance for the Credit Bureaus to receive the letters.
Product: Credit reporting or other personal consumer reports

I have inaccurate information reporting to my XXXX Credit File. I disputed with XXXX and they refuse to correct it. On top of the incorrect information being reported I have a lot of fraudulent credit inquires that are being reported to my file that I didn't authorize or give consent. 

XXXX. XXXX XXXX XXXX {$590.00} Credit Inquires are inaccurate and do to fraud. Someone used my information with out my consent to pull my credit 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Goldman Sachs Bank USA regarding their continued reporting of an unauthorized account on my credit report, specifically related to the Apple Card under account number XXXX. Despite multiple disputes, Goldman Sachs has failed to remove the account or provide adequate verification that the account was legitimately opened by me. 

I did not authorize the opening of this account, and its presence on my credit report has caused significant harm to my credit score. Goldman Sachs failure to properly investigate my dispute violates the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681i, which requires furnishers of information to conduct a reasonable investigation upon receiving a consumer dispute. Furthermore, Goldman Sachs continued reporting of this unauthorized accoun
t violates the Fair Credit Billing Act ( FCBA ) - 15 U.S.C. 1666 ( b ), which protects consumers from being held responsible for unauthorized charges. The presence of this account and any related negative information on my credit report has resulted in financial harm and emotional distress. 

Despite clear evidence provided, Goldman Sachs has not taken appropriate action to correct this situation, leading to ongoing damage to my creditworthiness.
Product: Debt collection

On XXXX Capital One accounts with XXXX and XXXX I did not receive a validation letter or any correspondence regarding the accounts. They did not offer a settlement letter or any proof that they had any authority to file any lawsuits. When doing research online the law firm has posted information that they do not like to send out letters since it is not cost effective to do so and opens them up to possible FDCPA violations and litigations. There were XXXX accounts in question so that makes XXXX separate complaints for their violations.
Product: Student loan

My student loan provider was switched over to mohela in XXXX. I called in XX/XX/year> to be placed on extended graduated plan for repayment. Was told it can take up to 90 days business days. It is now XXXX and I have no information about the application. Called and they said application is back logged due to government getting rid of IDR plans. Found out my application was for a IDR which is not the plan I wanted. I wanted the extended graduated plan. Submitted a new application for extended graduated plan and was told the same 90 days, would have to wait until XXXX for application to be processed. Was also told that 5 of my loans are in extended graduated plan already and the others are in a different plan. I have no idea how I have different loans in different repayment plans. All my problems with my student loans started when I switched over to Mohela. I dont know how you guys let this company operate still knowing XXXX XXXX XXXX  everyone over to let the interest build as much as they can before you pay it off. It is absolutely ridiculous. SOMETHING NEEDS TO BE DONE ABOUT XXXX XXXXXXXX COPMLANY.
Product: Credit reporting or other personal consumer reports

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

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

I have requested proof that this information was mailed or delivered XXXX  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: Money transfer, virtual currency, or money service

I sent {$25.00} to XXXX on XX/XX/2020 XXXX XXXX XXXX. The recipient was unable to collect the money and Western Union refuses to refund me. No reason provided.
Product: Debt collection

Collection account placed on credit report XX/XX/18. Never received dunning letter or any correspondence regarding the alleged debt
Product: Credit card or prepaid card

I purchased 4 bar stools on XXXX XXXX, XXXX for a Total of {$420.00} on order # XXXX. I never received these bar stools for this order. I have called and emailed the company as well as XXXX to try and locate my order. The first call and email was on XXXX XXXX, XXXX, then again on XXXX XXXX, XXXX. I received an email from the company on XX/XX/XXXX asking how many stools did I receive. I responded back by stating I didnt receive any bar stools and requested a refund. On XX/XX/XXXX, I received an email from a XXXX from RTG stating that XXXX had located the package and it will be delivered. I emailed back asking when they will be delivered. I called XXXX and they couldnt provide me a status. I emailed XXXX again on XX/XX/XXXX stating I have not received anything as of yet. I even called and left a message on XXXX XXXX. I have not received a call or email back. I have been trying to request a refund, since I never received my order, but it has not been successful. I keep getting told that I have to return the product in order to be refunded. Well, I dont have anything to return, since I never received it.
Product: Money transfer, virtual currency, or money service

unauthorized - listed as a refund to the person - never authorized, we know nothing about this person or persons - reported this to XXXX. 

Paid with PayPal balance Sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Details Sent to XXXX XXXX XXXX XXXX XXXX XXXX {$990.00} Total {$990.00}
Product: Checking or savings account

At pnc bank, On XX/XX/XXXX my account overdrew {$13.00} so I went to the atm as soon as I could that evening and deposited {$10.00} which brought my account to - {$3.00} so I was relieved that I didnt get an overdraft fee since it was under the - {$5.00} rule. The next day I received an overdraft fee of {$36.00} so I called and spoke to a lady at pnc bank and she felt very bad and said she agreed with me and that she didnt think I should be charge and that she would do everything she could to help. But she said I was denied to have it waived so she requested a manager call me. I called again A couple times but nothing came of it. Talked to the manager the next day and she said there was nothing she could do and I was denied for a waive. I really feel that it was unfair to be charged when my account was only - {$3.00} which is under the - {$5.00} rule and now I am in a situation to where Im not able to pay it and Im going to get charged more until I am able to for something that wasnt completely my fault since I read the rules and it said I wouldnt be charged if Im under - {$5.00}. Please help.
Product: Credit card or prepaid card

The company allowed three fraudulent charges to remain in the card. The hotel charges was fraudulent charges after leave the property. The manager checked me out with no balance remaining. Because of my personal situation the charge is part of a for hire scam ..people paid to get paid to charge account. The charges was never agreed to or signed for. The other charges was for XXXX XXXX that was for another residence. My rent was paid of to XXXX. Even though I left in XXXX. 

Then after that the bank reduced my credit limit even though no payment was missed and my income increased.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX Credit Card says it was late XX/XX/2019 both on XXXX and XXXX and XX/XX/2019 in Equifax. 

It was already confirmed by XXXX XXXX that it was a mobile app error. The app was stating there was no payment due, when in fact there was. 

XXXX XXXX has already acknowledged this error, but the late payment is still showing up on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 

XXXX XXXX XXXX, XXXX, NY, XXXX & XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX
Product: Mortgage

I bought my home a year ago and my mortgage was sold to Roundpoint Mortgage Company immediately on a 30-year fixed conventional loan. The previous owner of my home had lived there since XX/XX/XXXX, and knowing that the property taxes would be reassessed and adjusted upon the sale, I decided to wait on impounding my monthly mortgage payment with my taxes. I paid the first installment of my secured taxes and then contacted Roundpoint at the end of XXXX to request my account be impounded. 

Roundpoint notified me on XX/XX/XXXX through their online messaging system, and they disbursed payment to both installments of my supplemental taxes on XX/XX/XXXX. An escrow analysis was sent out on XX/XX/XXXX which included a break down of how much would need to go into the escrow account to pay taxes and a new monthly payment to cover the current escrow shortage. The numbers for the escrow shortage and new monthly payment seemed to match what my mortgage broker estimated it would be when I initially bought the home, so I was prepared to pay the shortage and was satisfied with my new monthly payment effective XX/XX/XXXX. Then, a new escrow analysis was sent out on XX/XX/XXXX with dramatically higher numbers than anticipated. This compelled me to do the calculations myself, and any way I sliced it, it did n't add up to paying a new monthly payment of {$2200.00} after paying a {$9400.00} escrow shortage! The tax statements I sent them only added up to {$8100.00}, so this was very alarming to me. 

This conflict led to a series of phone call conversations with customer service day-after-day, week-after-week until they sent me a third escrow analysis on XX/XX/XXXX that was right in between the reasonable analysis and the outrageous one, but still over by {$1700.00} for the estimated taxes. 

At this point, I decided to send in the form to request to close my escrow account and deal with paying my taxes myself. Roundpoint received my request on XX/XX/XXXX and sent me a notice in the mail indicating they will give me a response within 30 days. In the meantime, I 'm still required to make my XX/XX/XXXX and XX/XX/XXXX monthly payment of {$3000.00}, until it adjusts to {$2600.00} for XX/XX/<YYYY> for fear that my account will become delinquent otherwise. 

Again, after a series of phone calls and conversations to customer service representatives, I learn that my escrow removal request has initially been denied due to an alleged delinquent tax bill that Roundpoint paid on my behalf. However, after contacting the XXXX County property tax office, a representative from the county office confirmed that the delinquent tax bill Roundpoint insisted they paid was actually paid by the estate of the previous owners and was not my bill to pay in the first place! 

I need Roundpoint to cancel my escrow account, calculate the money I just gave them over my original {$1200.00} payments towards the taxes that they did in fact pay on my behalf ( {$1900.00} ) in XXXX, and bring my monthly payments back down to my original amount before I requested to impound my taxes. I no longer trust Roundpoint with impounding my account accurately.
Product: Debt collection

I've disputed numerous times reach out to collection department this is not my account I've ask they remove they have reported a new former address on my files that is not mine I've never lived in Oklahoma I've lived in fl for the past 20 years and work here as well no one cares to listen or investigate this matter while my credit is being impacted and collections harassing my phone with debt that's not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making a second complaint against Midland Credit Management for being in violation of 15 USC 1692 ( a ) & ( d ). Per previous compliant, this company did not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me. A trilateral contract was not provided that they legally obtained my personal information. Midland Credit Management attached statements which are not bills. Midland Credit Management promised to cease communication & close my account but has not deleted this alleged debt from consumer reporting agencies which is indirectly communicating with me.
Product: Credit reporting or other personal consumer reports

RECENTLY, I FOUND A LOT OF ERRORS AND INACCURACIES ON MY CREDIT REPORTS. THEREFORE, I DISPUTED THEM. I KNOW THAT EVERYTHING ON MY CREDIT REPORT MUST BE 100 % ACCURATE AND COMPLETE! THE ACCOUNTS INVOLVED IN MY PREVIOUS DISPUTE WERE NOT ACCURATE AND MUST BE REMOVED NOW! XXXX AND TRANSUNION VERIFIED THE INACCURATE ACCOUNTS BUT THEY WERE NOT ACCURATE AT ALL! THIS IS UNFAIR AND HURTING MY REPUTATION WITH THE BANKING SYSTEM. As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under THE FAIR CREDIT REPORTING ACT - Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in THE FCRA- a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.