23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Placed me on collection with out proper notification and when I looked at my Credit reports XXXX, Equifax, XXXX, all the information on it was wrong. Date opened date closed on my report and Dollar amount was wrong as well. Worse of all when the account was closed, XXXX sent an email and it said that I have a credit. I have written to all the credit bureau 's but with proof of full payment and dates open and closed they correct that issue but refuse to remove the false collection of which was paid in full. But they all write back saying that the account was verified
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXXXXXX XXXX XXXX & I am including it againXXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The company charged off this account, filed it on their taxes, and did not send me a XXXX so that I could write it off as income. They are still reporting it as a charge-off on my credit report, indicating that I owe the balance, but they took a tax break. I am about to sue you for statutory damages because this is fraud. 

Account name- XXXX XXXX Account number - XXXX Responsibility Individual Date opened XX/XX/XXXX Status- Closed. {$680.00} written off. 
Status updated - XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Monthly payment {$0.00} Original balance {$660.00} Terms 9 Months Account name XXXX/FEB Account number XXXX Date opened XX/XX/XXXX Status- Account charged off. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance updated XX/XX/XXXX Terms 9 Months On record until XX/XX/XXXX Account name XXXX XXXX Account number XXXX Account type Utility Date opened XX/XX/XXXX Status-Account charged off. {$650.00} written off Status updated XXXX XXXX Balance {$650.00} Balance updated XX/XX/XXXX Terms 4 Months On record until XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

They took XXXX dollars out of my account for a old credit card debt that I had set up payment plan for, funds were already spent and thy charged me XXXX dollars in overdraft fees rude and disrespectful on the phone
Product: Debt collection

Account numbers : # XXXX, # XXXX, # XXXX, and # XXXX. I have sent this company debt validation letters and have only received invoices in response. I advised them that these amounts are highly inaccurate but they have asked me to pay and tried to sue me for the amounts they have listed on statements. They have not verified that the statements were the very last statements of record.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments Reported for Account # XXXX Dear CFPB, I am submitting this letter to dispute inaccurate late payments reported on my credit file maintained by Experian. The late payments listed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are incorrect and do not align with my actual payment history. 
Nature of the Complaint Inaccurate Reporting : The late payments listed are inaccurate. My account has consistently been in good standing, and payments were made on time as I am enrolled in autopay. 
Violation of the Fair Credit Reporting Act ( FCRA ) : These inaccuracies violate FCRA regulations ( 15 USC 1666 ( b ) ), which require accurate reporting of consumer credit information.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : Reporting false late payments could also breach FDCPA provisions protecting consumers from misrepresentation.

Truth in Lending Act ( TILA ) : The inaccuracies further violate TILA, which mandates accurate disclosure of credit information.

Under the FCRA, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, credit reporting agencies must ensure the accuracy of consumer credit information. Noncompliance can result in civil liabilities under sections 15 U.S.C. 1681n and 1681o. 
Account Information Account Number : XXXX High Balance : {$27000.00} Last Verified : -- Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Late 30 Days ( XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ) Requested Resolution I request that Experian conduct a thorough review of this matter and remove the inaccurate late payments from my credit report. Please update the entries to reflect my actual payment history of 100 % on-time payments.

Attachments Copy of my government-issued ID. 
Copy of my Social Security card. 
Proof of current address ( e.g., utility bill or bank statement ). 
Copy of my full credit report highlighting the disputed account and inaccurate late payments. 
I look forward to receiving confirmation of the resolution within 30 days of this letter. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

This is a request to open a previously submitted CFPB Complaint # XXXX. I've received a follow-up from the originator of my refinance XXXXXXXX XXXX  regarding a previous CFPB complaint case made against XXXX and the follow-up read as follows : " XXXX reviewed the closing of this loan upon receipt of the complaint. XXXX found that the the loan was closed correctly. The error is on Investors side once the loan was sold and went into their onboarding for servicing. The investor was contacted and confirmed that they had received a complaint as well, which they are in the process of researching. XXXX XXXX, XXXX customer service manager, spoke with the borrower to inform him of this. The borrower confirmed that he was also been contacted by the investor & is aware that they are reviewing and will be providing him with a resolution. '' As previously brought to Penny Mac 's attention in my initial CFPB complaint case, it was Penny Mac 's responsibility to ascertain the taxes due on the loan before closing. I wouldn't have had any control the calculations and determinations of my final refinancing of my loan ; that's Penny Mac 's responsibility. Penalizing me and requiring me to augment my pay structure to compensate a sizeable tax increase on the error of Penny 's fault, should be on them and not me. If Penny Mac did it's job correctly, and had the proper XXXX  and procedures in place, they would have accounted for the tax increase prior to the closing and the final interest rates and payment structure. Due to Penny Mac 's failed actions, I had to adjust my refinancing after the fact and be financially injured to less than optimal payment arrangements than had Penny Mac accounted for the increase before closing the loan. Due to their error, I had to adjust my own personal finances to absorb this unexpected obligation. Typically, property taxes may change over time and that's by nature, but for this to have occurred soon after closing speaks volumes to Penny Mac 's credit and lending administration practices and procedures.

Penny mac refuted my complaint and buried me in technical jargon to escape blame of obligation to do their job. Shame on you Penny Mac. Using technical nonsense to explain why you are not at a fault to an innocent borrower is disgraceful and again is why we need agencies, such as the CFPB. Despite your conclusions, it is your failed processes that got me in this mess and it is your failed processes that has caused me financial injury and embarrassment by the local tax office.
Product: Credit card

I was misled by Capital One into missing a payment under the pretense that it would qualify me for a hardship program in XX/XX/year>. I contacted Capital One to ask about financial relief options due to temporary financial struggles. The representative explicitly advised me that missing a payment would activate hardship assistance. 

Following their advice, I did not make my XXXX payment. However, once I missed the payment, a week later I was informed that no hardship program was available to me. This resulted in a late fee and potential credit damage, all because I was misinformed by Capital One. 

When I brought this issue up with another agent a week after missing the payment, they were shocked that I was advised to miss a payment in order to receive assistance. I asked Capital One to review the call recordings to confirm their agents instructions, but I was met with rude, dismissive service and told that the details on the account state a miscommunication. They refused to acknowledge their mistake and only credited one late fee from XXXX and not being willing to do it for the month of XXXX because my auto-pay was XXXX due to then requesting that I miss the payment from XXXX, citing a one-time courtesy policy. 

Now, I am stuck with the negative consequences of their own misinformation, including : A late payment that XXXX now be on my credit report. 
Another late fee in XXXX, which they refuse to refund. 
No hardship assistance, despite following their instructions. 

This is a clear case of financial misrepresentation and poor customer service. I am requesting that Capital One : 1. Remove any negative credit reporting associated with this issue.

2. Refund all late fees incurred due to their misinformation.

3. Review the call recordings to verify that their agent provided misleading advice. 

Capital One should not be allowed to give misleading financial guidance that actively harms their customers. I need the CFPB to intervene to ensure they take responsibility for this mistake.
Product: Debt collection

The information they provide it concluded that the debt was not mine, there was no actual signature, on the document provided, they were very rude on the phone.
Product: Debt collection

I've been recently made aware of a supposed debt to Credit Management. On XX/XX/2019 the debt was added to my credit report. I have no contractual agreement with this company and no proof of this debts validity. The debt is for XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity I never authorized and of these companies to pull my credit company.
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-U.S.C-1681 section 602 A states I have the right to privacy. 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: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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 an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, student loan account opened at DEPT OF EDXXXX on XX/XX/XXXX under the account number XXXX,, a student loan account opened at DEPT OF ED/XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XXXX XXXX account number XXXX,, a personal loan account opened at XXXX XXXX on XXXX the account number XXXX XXXX a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a bankruptcy account opened aXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under reference account number XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling this complaint because EQUIFAX has ignored my request to provide me the documents that their company has on file and was used to verify the account I am disputing. I have contact their offices on the following dates listed below : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified. 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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account information. I demand to see Verifiable Proof ( an original Consumer Contract and/or orgianl court docuemtns with my Signature on it ) you have on file. Your failure to positively verify this public record material has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

As a side note, this Chapter XXXX Bankruptcy was completed and paid back in XX/XX/XXXX the year is currently XX/XX/XXXX - that is 8 years on my credit report. That is also Thousands ( {$1000.00} ) and Thousands of dollars more I have paid for items I buy, loans I have missed out on, housing I have been declined for etc. I feel that having it on my credit report for 8 years is punishment enough. There is no law that states these types of things " by law '' have to stay on ones credit report for 7 or longer years. 

I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. 

I want EQUIFAX to stop reporting immediately this account on any and all of my credit reports issued to anybody whom inquires on my behalf. 

Please resolve this matter as soon as possible and thanks in advance for your time and consideration.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX 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.

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

In accordance with the Fair Credit Reporting Act, JPMCB AUTO XXXX Account Balance : {$59000.00} has violated my rights under 15 USC1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604ASection 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Checking or savings account

On XX/XX/2023 I was issued provisional credit on my account for an unauthorized transaction I filed a dispute for. On XX/XX/2023 I made several transaction moving money in and out of my account. I placed an order for XXXX online to be picked up in two hours, 3 items totalling {$78.00}. Upon looking at my account ofcourse the outgoing money was deducted from my account but still under the pending section of my account. Not even an hour after the transaction was done I received an email as well as phone alert from XXXX saying that two items I had ordered weren't in stock so that left one item only available to be picked up. Which was only {$5.00}. Being since the more important 2 items were canceled I then shortly after decided to cancel the one item as well. Me thinking that my funds would be returned to my account once the payment posted and was no longer in pending state. My assumption that posted transaction meant that all refunds payments were received and The transaction needed nothing more because it was considered completed. However the posted transaction that was pending at {$78.00} had posted as {$5.00} and still no sign of the the money from the other two canceled items on the same order that had been canceled and according to XXXX returned in the same day. Yet once the payment posted. Still nothing in my account. Do do apparent foul play on Chime Banks behalf. I contacted Chime in hopes to resolve the issue only to be asked the same questions repeatedly and directed to several different XXXX to some other department to so called better help me with my case Today I've been sitting all day in hopes for a resolution for someone to get a clue do the math and see that my funds are missing have apparently disappeared to somewhere but what I can sucks you is it sucks that we people have put our trust and faith in such an unprofessional establishment and trust that these people holding such incompetence. That simple adding and see that my money is missing and make the needed corrections instead I waited days to get some automated response not even in relation to what I'm taking about. I want my money plus some for the hard time and the struggle. Money in compensation for my time spent waisted in attempt to reach out to them in hopes to come to a resolution. But that's gotten me nowhere. Thanks for taking the time to review and my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XXXX Please remove/block/delete this account. 


This letter is a follow up to my original letter regarding an inaccuracy on my credit reporting, regarding the entry being reported ( XXXX XXXX XXXX Credit Card Account Ending In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH  XXXX ( account # as it is listed on my credit report XXXX ) please remove/block/delete this account. 


You may have not only violated Federal Law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The listed item is entirely inaccurate and incomplete and represents a serious error in your reporting. ( XXXX XXXX XXXX Credit Card Account Ending In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH  XXXX I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office should you continue in your noncompliance. I further remind you that, as in Wenger vs. TransUnion Corp No 95-6445 ( C.D. Cal. Nov 14, 1995 ), you may be liable for your willful non-compliance. Since you have violated Federal Law, by not properly investigating within the required time frame, and you must now remove the item. Any other action or inaction on your part may result in a small claims action against your company, seeking {$1000.00} per violation for 1 ) Defamation, 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act. 
CC : Consumer Financial Protection Bureau CC :  Federal Trade Commission XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have a mortgage with Wells Fargo since 1996, in the amount of $ {$330000.00}. Balance today is {$260000.00}, which means I have equity in this bank. I wanted to take out a " Line of Credit '' in the amount of {$35000.00} and I was denied, why. I am a single mom that have worked all my life trying to help my children. So I would like you to investigate the bank and give me the correct answer as to why I was denied. Also check their customer service records, as to why they do n't want to give me a line or credit only want me to take out a Line OF Credit, which is low cost to me but put Home Equity Loans which they make money on. Please investigate this bank as other agencies have do,
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies involved : Transunion XXXX XXXX I was a victim of identity theft, and they applied for credit cards, loans which are in collection and are affecting my credit cut, I have tried to communicate with the creditor companies and explained the situation and I have not had a favorable response, I have also disputed these accounts in the credit bureaus and without any result, I ask for your collaboration to be able to solve this situation.
Product: Credit card

About 2 weeks ago I went online to Wells Fargo.XXXX to see what credit card interest rate was available for a card with a balance transfer option. I entered in all of my personal information expecting a rate indication. Instead, Wells Fargo issued a credit card I did not want. When I tried to immediately cancel the card, I was told that I had to wait until the card was issued. Damage done. I cancelled the card, which had negative implications on my credit score.