23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I don't know if I selected the right things so I apologize in advance I used XXXX through my banking app I use Bank of America I got scammed out of renting a home and the only reason I even felt comfortable sending money to the person was because I literally got a notification before sending that since this was a new person I would be protected for 24hr Please remember the 24hr part ... 30 MINS MAX LATER after sending it ( not even close to the 24hr mark ) I canceled it thinking there would be no problem I lost {$410.00} because of XXXX and Bank of America lying to me I talked to 10 different people maybe max and each person from that company told me not to worry That the claim was in my favor Each And Every Person told me not to worry... .that it was in my favor. That was also clearly another lie and I don't understand why I clearly never got to move lol my address on my bank account is still the same I have reported to the fbi and I am finding other scams and reporting those also
Product: Debt collection

They placed me in forbearance and stated on my credit that the loan was deferred. I have served XXXX XXXX in the military and should not even have student loans.
Product: Mortgage

My VA loan was transferred form XXXX XXXX to RoundPoint mortgage on XXXX/XXXX/16. the escrow account was short and the property taxes were due. RoundPoint allowed the taxes to become delinquent and I was assessed additional interest. I paid the taxes myself on XXXX/XXXX/16 when I learned they were not paid. RoundPoint submitted a tax payment about XXXX/XXXX/16 and it was returned to RoundPoint as no taxes were due. RoundPoint did not return the refund to my escrow account, and as of XXXX/XXXX/16 my escrow funds are still not returned to my account. The second problem arose on XXXX/XXXX/16 when I discovered that my payment submitted on XXXX/XXXX/16 had not been applied. Believing that the payment had been lost in the mail, I submitted an ACH payment so I would not be assessed a late charge on my loan. On XXXX/XXXX/16 RoundPoint applied my XXXX/XXXX/16 payment, and took a full months interest and escrow charges from that payment. Since I had just made a full payment on XXXX/XXXX/16 this was a gross misapplication of my payment on XXXX/XXXX/16. RoundPoint had only earned {$17.00} interest, and my escrow account had been fully paid for the month of XXXX. All but {$17.00} should have been applied to the Principal balance on my loan, but it was not, and the lender has not contacted me to determine how I wanted the excess funds applied. Having had one bad tax experience with RoundPoint, and knowing that I am ultimately responsible for my taxes whether the lender pays them or not, I paid the first half of my 2016 taxes on XXXX/XXXX/16. RoundPoint subsequently submitted a payment for the taxes on XXXX/XXXX/16. this payment will also be returned to RoundPoint as there are no taxes due at this time. It is my desire to get the payments I have previously paid applied properly to my loan, and the funds that RoundPoint has been reimbursed for payment that were not due be restored to my escrow account
Product: Credit reporting or other personal consumer reports

This is the final attempt and opportunity to cure a default. XXXX XXXX XXXX is in violation of Federal and State Laws, Regulations, Codes, Public and Private Acts and Constitutionally Protected Rights, as well as Aggravated Identity Theft. XXXX XXXX XXXX has been issued a bill for redress which has been delivered via the same method of communication XXXX XXXX XXXX utilized to contact me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Last 4 SSN : ( XXXX ), Date of Birth : ( XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 5 1681c-2 ) that you, the Experian 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 a personal credit card account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX, under the account number ( XXXX ), an account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), an account opened at XXXX NC XXXX XXXX date XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of the fraudulent collections 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 as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collection are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

The CRA " Experian '' is reporting incorrect information about me on my consumer disclosure and it is causing me irrefutable harm and has been for years now. I have advised and sent in disputes on several different occasions over the past 3 years, which has not been investigated properly. I have also sent proof which was ignored as well. 
I was on a child support judgement and payments were being taken from my paycheck, but were not being credited towards my account. I noticed I was being reported as late on my consumer report and contacted the case worker and my employer. Per my employer payments were sent and I was given check numbers to send to the child support agency for tracing. Once I sent these to the child support caseworker it was another 3-4 months of late payments reported before the payments were applied to my account. The payments were applied as of the date they were located and not the date they were sent. This is unfair to me! I contacted the case worker about this and told her about the damage it had done to me and her response was, " Perhaps you should contact your employer '' regarding the late payments. The case worker is from XXXX XXXX XXXX. I have submitted 2-3 different disputes requesting an investigation into this from Experian and NOTHING was corrected despite the mountaiin of evidence that was submitted. They update that the account was closed as of the incorrect date and left the late payments to continue to poorly affect me. 
1. A proper investigation was not completed upon my expressing the many violation against me. 
2. My request for method of verification was ignored. 
3. Child Support Enforcement has provided an undeliverable address and no other contact information for me to resolve this issue ( per my report ). How is this to be resolved if my case worker will not assist and actually wants to continue to cause me financial harm rather than assist in correcting their error, Experian refuses to complete a proper investigation or respond to my requests for method of verification? I was forced by NC general statute to have the payments withdrawn from my paycheck. I have no culpability in this matter. 
4. Child Support Enforcement refuses to provide anything but an erroneous address for my disputes.
Product: Credit reporting or other personal consumer reports

on all 3 of my credit reports XXXX should be listed as paid off which I did on XX/XX/2024 and XXXX XXXX they got listed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions.

Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

Please furnish me with copies of any and all such certification.

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action.

Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

Please furnish me with the required statements and data ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and 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 ; Please furnish me with a full description of the procedures used to determine the accuracy of the information.

( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The Experian and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2300.00}
Product: Credit reporting or other personal consumer reports

update the late payment to My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 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 that are reported 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX 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 paid as agreed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to resolve an egregious error that has negatively impacted m y credit score. I have  been trying to rectify this issue with this company reporting that I 've been late. This could not no be further from the truth. I have always paid on time and not only on time but have paid well over the amount due. I have spoken  to 2 m anagers and the store owners. There names are :  XXXX ,  XXXX ,  XXXX  who has first hand knowledge of the issue. I have also spoken to the owner of the store who has reassured me that he would handle it. To date nothing has been done.  XXXX  is not longer there because he apparently made so many billing errors during his tenure there that they let him go and they all have attested to that. They all know that credit reporting is false but no one is making the necessary moves to correct the error that has been created
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/year> XXXX XX/XX/XXXXXXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Sequoia Financial Service has continued to defame my character publicly by illegally reporting my information to the major credit bureaus. Pursuant to 15 USC 1681b ( a ) ( 2 ) a consumer most give written consent in order for anyone to publicly report information about them on or to any credit reporting platform. I XXXX XXXX did not give Sequoia Financial Service permissible purpose to report any information about me. I also have not been presented with any court ordered documents by Sequoia Financial Service giving them permission to do so pursuant to 15 USC 1681b ( a ) ( 1 ). I have made several attempts to inform Sequoia Financial Service that the information they are publicly reporting is illegal and infringes on my constitutional rights. Further more credit reporting is voluntary and not mandatory as expressed in the XXXX  CFPB white paper, specifically page 15 section 3.1.1.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX - XXXX - {$180.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Checking or savings account

I received a XXXX XXXX XXXX XXXX in the mail for an account around XXXX XXXX. 

I have never opened a Square account. This is a cause of fraud/identity theft. 

I contacted Square. Through XXXX conversations, and XXXX email exchange, I discovered that multiple accounts have been opened in my name, using my birthdate and social security number. I have not been able to get consistent answers about exactly how many accounts had been opened. 

On the phone with customer service on Wednesday XXXX XXXX, they told me 4-5 accounts had been opened in my name, and assured me that they had been " deactivated ''. I asked for confirmation in writing, and they said that would take 1-2 business days. I gave them my email address. 

I did not receive the confirmation, so I had an email exchange with customer service at Square that I initiated the following Monday XXXX XXXX. In this email exchange, the representative told me that they had " missed XXXX accounts '', but now all accounts were closed. They failed to respond to my followup inquiry about exactly how many accounts had been opened and closed. 

I then called customer service again on Wednesday XX/XX/XXXX. I was now told that there had been XXXX accounts opened in my name, dating back to 2013. XXXX were opened " recently ''. I was told that they weren't sure if they would be able to get me anything in writing confirming that the accounts were closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my XXXX credit report, I noticed that I am documented as having late payments from XX/XX/XXXX - XX/XX/XXXX for my XXXX card account. 

I contacted XXXX directly and was informed that XXXX is not showing any late payments on my account and suggested to request an investigation to be conducted. 

I would like an investigation and confirmation that these late payments on my credit reports belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate. 
XXXX shows XXXX of XXXX as payment made. 
XXXX shows XXXX of XXXX as XXXX  days late. 

This is not possible.
Product: Student loan

I graduated from XXXX in summer XXXX. All my student debt was in the form of federal loans. All except for one is managed by XXXX. I had 1 more managed by Heartland ECSI on behalf of XXXX. This loan was my smallest at about {$1800.00}. When the pandemic started, federal student loans were put on deferment ( and still are ). I was grateful that I could prioritize smart financial moves to build up savings, so I was not making payments as I did not have to. I received no notice from Heartland ECSI or XXXX that they had resumed charging interest and requiring payments. In XXXX of this year ( XXXX ) I went on to the Heartland ECSI website to verify my information because I was confused that I had heard nothing from them in a long time despite receiving regular updates from my other loan servicer. Upon logging in I learned they had been demanding repayment for months and I was more than 150 days delinquent on payment. All my contact information was correct but I had received no notice that I was expected to pay. At no point was I unable to pay this account and had I been aware I would have made the necessary payments with ease. The account was made current and I set up automatic payments of 4 times the minimum payment on XX/XX/XXXX. The entire account will be paid off in the next 3 payments. It was not until after I did this that I received my first correspondence from XXXX about this delinquent payment, in the form of a letter saying I will be sent to collections. This was received in the mail on XX/XX/XXXX and the letter is dated XX/XX/XXXX. 

Due to this delinquent payment, my credit score has been reduce by more than XXXX points. This is the only delinquent payment, or payment issue of any kind, on my entire report. Part of my plan in saving the past 2 years is I intended to purchase a home, however, with my credit score dropped so low I can not pursue this as it will sabotage my chances at a reasonable mortgage rate. 

I have called ECSI directly 5 times. On my first few tries it said I could leave my number and they would call me back in the order calls were received. I was never called back. On the XXXX try I finally got off hold and could talk to someone. The representative I spoke to informed me that once it was reported they could do nothing rectify it. I asked if a supervisor would be more helpful and was told again " there is nothing we can do '' and was not passed on to a supervisor. The only option I was given was to call XXXX, the entity they reported the late payment to, on a number the representative provided me. This number sent me to the XXXX credit report request line and had zero option to speak to a person or contest the delinquent charge. I did end up making an XXXX account to dispute the flag on my report, but without any further input from XXXX or ECSI, XXXX has zero ability to remove the flag. 

Heartland ECSI failed to notify me when payments resumed, has drastically damaged my credit score of nearly XXXX prior to this incident, and has been unwilling to work with me on resolving this issue that serves no purpose but to hurt my financial situation to none of their benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX placed a Collections items of {$410.00} on my Credit Report dropping my Credit Score by 42 points in error. XXXX XXXX has pulled the account from XXXX XXXX XXXX as of XX/XX/XXXX. They didnt billed the correct Insurance company and balance is {$0.00}.