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

Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TRANSUNION 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 Account Number : XXXX Date of Late Payment : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TRANSUNION disputing a late payment reported by 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 reason : Please verify that late payment is made, I have never made a late payment, I have always paid on time Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TRANSUNION 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

i had filed bankruptcy. and this account was included in.  AMG Financial Services c ontacted me and threat me with legal action against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reguesting my 3 free credit reports because my credit information has been affected by the XXXX data breach, TransUnion had denied my reguest stating I have obtained a free report within the last 12 months. I have not made a reguest for my 3 credit reports since XXXX/XXXX/XXXX. My reguest was made and denied on XXXX/XXXX/XXXX from TransUnion. My concern is that someone else had made a reguest and received my credit report from TransUnion. I want to freeze my credit reporting from this agency but fear it may be too late.
Product: Debt collection

I purchased 4 Fuel rims from XXXX XXXX and paid through Affirm. I never received order. The tracking did not include a signature or where it was delivered. I contacted seller and they never did anything. I created a police report for the lost package. I contacted Affirm to open a dispute as I have not received the goods, but they never helped.
Product: Mortgage

I was previously with XXXX XXXX XXXX and they accepted biweekly payments. I made a payment in the amount of {$900.00} on XX/XX/XXXX for the first half of XXXX payment. My loan was then transferred to loancare on XX/XX/XXXX. During this process my payment of {$900.00} was applied to principal instead of the payment ( wouldnt be a big deal if I had {$900.00} extra dollars ). I paid the remaining {$880.00} for XXXX, paid {$1700.00} in XXXX and {$1700.00} in XXXX. I have called or emailed Loan care over 15 times in the last two months and spent hours to try to resolve this and have the payment corrected- XX/XX/XXXX, XX/XX/XXXX, also sent email correspondence, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX called and emailed, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & sent email correspondence and mail on XX/XX/XXXX. I have spoken to several managers whom dont call back or do what they say and staff that are incompetent and also dont do what they say. I have done three way calling with both companies and they are now charging me late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information on my credit report. I have sent several letters requesting that the incorrect and unverified information be removed from my file. XXXX XXXX has failed to provide me documentation on file that proves the account is accurate, nor have they deleted the inaccurate unverified accounts. I am requesting that the accounts are deleted immediately
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent items which were being posted to my report. Here is the list of information which do not belong to me and accounts and inquiries were opened without my permission : 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 XXXXEQUIFAX 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

I went to XXXX university in XXXX ca. I 've been paying my loan for almost 13-15 years and it 's taking a toll on my financial life and I did not gruaduate from XXXX university. When I decided to go back I was told after 5 years I would have to start over again and that was n't an option for me due to the loans would double now I 'm stuck paying this loan. I 've called navient and tried to at least decrease my payment they said no.
Product: Credit card or prepaid card

Comenity Bank has punished me and my family by freezing all my accounts. I can't make any purchases anything. I was having some financial difficulties after I lost my job and instead of this bank understanding my situation they were calling me about 5 to 6 times daily demanding for payment. I got up to the point that they were calling me at XXXX XXXX and late at about XXXX XXXX. I couldn't believe what was happening and they kept apologizing for it and I told them that I do understand why the frequent calls. I also told them that I know they need to collect their money, but calling me on an everyday basis and that frequent wasn't going to help me generate income. I told them to stop calling me so frequent. 
I wrote a letter letting them know that I recently lost my job and that I was looking for work and for them to stop making so many frequent calls because it was psychologically affecting me and my family. I couldn't believe what was going on and because I express how I felt and told them to please have some consideration and as retaliation Comenity Bank ordered his employee to freeze all of my credit lines because I told them to stop calling me so frequent. I have not been able to do any purchases in a period of two months because of their retaliation against me. I want to know if this is ok because I have recently made payments and found employment. Can you please help me recovered my credit lines, please.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX assumed servicing of our loan XX/XX/2023. At that time I had a perfect payment history. Despite making my payment to XXXX XXXX XXXX each of the subsequent months since, they have continued to report foreclosure started each month to Equifax. Each month I have had to contact them and file a dispute with equifax. This is the 3rd consecutive month they have falsely reported my home in foreclosure. Their negligence in accurately reporting our mortgage as an open, active, current, and never delinquent has caused my and my wifes credit scores to drop damaging our good credit. 
See attached files. XXXX XXXX states this is an issue they are having with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I called XXXX XXXX XXXX and let them  know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however XXXX  and Transunion have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to Experian via certified mail on XX/XX/XXXX and after 45 days they had not begun the process. I sent another certified letter claiming they had failed to dispute within 30 days nd they then opened a dispute on XX/XX/XXXX which was over 90 days later. They took less than 2 weeks and had updated results on XX/XX/XXXX, XXXX, and XXXX. They did not correct anything in the report and I find it hard they completed an investigation in such short time. I then sent a letter requesting proof of investigation in XXXX via certified mail. They never sent any information but opened another dispute onXX/XX/XXXX. I submitted an identity theft report to go along with the dispute. Even with the copy of the identity theft report filed with the FTC they resolved the dispute in 2 weeks on the XXXX with no changes made to the errors on my report. Both XXXX  and XXXX  corrected the same errors the first time disputing and I feel that Experian is failing to follow the legal guidelines in investigating the errors on my report. I am in the process of buying a home and their inability to properly do their job is holding up my process.
Product: Credit reporting or other personal consumer reports

Equifax and Experian both continue to report inaccurate information on my credit profile. 

The balances for my credit card accounts have not been updated. 

XXXX XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX XXXX account # : XXXX XXXX XXXX XXXX account # : XXXX are all reporting outstanding and incorrect balances. As it stands, each credit card is now at a {$0.00} balance and " XXXX XXXX XXXX '' credit limit has been increased from {$250.00} to {$420.00}.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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: Credit reporting or other personal consumer reports

I have been on mortgage forbearance with XXXX XXXX  regarding my VA home loan as a result of my XXXX as a 100 % total and permanently XXXX Veteran. We have never come off forbearance. We have been attempting to avoid foreclosure and are waiting for the lender to get ready to implement the Veterans Affairs new purchase option which would put the missed payments on the back end of our loan and remain current, with no negative credit reporting. We have been contacting XXXX almost weekly checking in on this for over a year. 

XXXX recently reported our credit 180 days late stating we came off forbearance in XXXX and were just put back on in XX/XX/year>. This is inaccurate as we have been in forbearance as we requested to extend in XXXX, which was granted while we wait for them to implement the new VA program ( XXXX ). We have never come off nor were notified we had come off. 

I requested this to be reversed, as per VA 's guidance, Veterans are not to be negatively reporting while waiting for lenders to get this program up and running. They denied my request and have not provided documentation when asked via phone or in writing to support our claims that we were extended in XXXX. Furthermore, I can not get an explanation as to why, if we were taking off forbearance, we never received notification. 

This is an immense hardship that has damaged our credit beyond repair as we already navigate a very difficult situation and has had immense effects on my already unstable mental health as a direct result of my military service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX student loan accounts with you. On my credit report, it shows late payments back in 2015. Could you please provide me with proof that I was late on my payments? These late payments are damaging my credit score & affecting my getting approved for a home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

The 3 credit bureaus XXXX XXXX and XXXX, continue to report personal information without written consents even after multiple attempts to remind them about security freezes on these accounts and//or profiles of me contained in their files or databases. I am kindly asking you as a government trusted agency to protect consumers and how information is used by these entities whether legally or illegally.
Product: Checking or savings account

There are three mobile deposit issues I experienced, which would be no issue if Axos provided any sort of customer service. Their representatives are incapable of resolving basic issues. 
[ XXXX ] {$200.00} mobile deposit rejected XXXX. 
[ XXXX ] {$1000.00} mobile deposit rejected XXXX. 
[ XXXX ] {$100.00} mobile deposit - returned by mail on XXXX as a 'substitute check ' ; delivered XXXX. {$10.00} fee. This is very confusing to me. We deposited multiple {$100.00} checks, so I have no idea if I made a mistake and submitted the same check twice, or if this is error on the end of the sender. I can't figure this out easily because I can't see check images, even for cleared checks deposited to my account. 
-- XXXX : [ a ] My wife and I deposited a number of checks from our wedding to my individual checking account. All checks were appropriately endorsed and marked for mobile deposit. 
[ b ] My experience with Axos had been positive, so we also opened a joint account which was pending approval. 
-- XXXX : [ XXXX XXXX ] Received mobile deposit rejection email for {$200.00} check, due to 'name mismatch '. No check images provided or available on the account, and no identifying information beyond deposit date and amount. 
[ XXXX XXXX ] Mobile deposit rejection notification received for {$1000.00} check, due to 'name mismatch '. No check images provided or available on the account, and no identifying information beyond deposit date and amount. 
[ XXXX XXXX  ] Contacted Axos by phone requesting detail on rejections and specifics on which checks were rejected ( we deposited numerous {$200.00} checks on the same date ). Rep stated I would be contacted via email by a representative on the next day, XXXX, and he could not provide more detail. 
-- XXXX : [ XXXX XXXX ] No follow up received. Unable to reach reps via phone- got an answering machine despite automated message saying it was connecting me. Unavailable via chat. 
-- XXXX : [ XXXXXXXX XXXX  ] Followed up regarding checks. Was told to submit secure message and told call rep can't see check photos. 
-- XXXX : [ XXXX XXXX ] Sent secure message asking for more detail re : rejection and checks clearing. Response received XXXX asking ME why checks were rejected in order for them to assist further. 
[ XXXX XXXX ] Unrelated to check issue, contacted regarding options for cash deposits, which are limited to {$500.00} quantities. Rep indicated he would follow up and return call within hour ; no call recieved. 
-- XXXX : [ XXXX XXXX ] Contacted chat for support re rejections and 'substitute check ', told to submit msg with check images ( DONT KNOW {$200.00} CHECK ) [ XXXX XXXX ] Called support, rep hung up mid call. 
[ XXXX XXXX ] Called support again, rep said I would be contacted in morning ( I was not ). 
[ XXXX XXXX ] Submitted a secure message requesting follow up after filing a complaint with the XXXX 
[ XXXX XXXX ] Received a response indicating my questions have been forwarded to the correct department and I would hear back in 1-2 days.
Product: Checking or savings account

I am writing to formally lodge a complaint against Chase Bank regarding excessive fees charged to my account, totaling {$910.00} from XX/XX/XXXX, to XX/XX/XXXX. 

I believe these fees were unjustly applied and were not disclosed to me in a clear and transparent manner. On or around XXXX, I was offered the Chase Private Client product, and at that time, I apparently had a sufficient balance in my account. 

Initially, I was not charged any fees, and I was led to believe that my account would be managed with certain benefits. However, I was never informed that my account would incur fees if my balance fell below a specific threshold. 

During the period in question, I noticed that my account was charged fees due to insufficient balance, despite the fact that I had believed I was maintaining an adequate balance to avoid such charges. 

Additionally, I did not receive any tangible benefits from having a Chase Private Client account that would justify these fees.

I have made multiple attempts to resolve this issue directly with Chase Bank, engaging in discussions with their customer service representatives and management.

Unfortunately, they have refused to refund the fees that I believe were applied inappropriately, citing their policies without providing a satisfactory explanation of how these fees were justified or disclosed at the time of account setup. I am therefore seeking your assistance in investigating this matter and helping me to recover the unjust fees charged to my account.

I believe that consumers should be informed about all potential fees associated with their accounts, and I feel that Chase Bank has failed to uphold this standard. Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.
Product: Debt collection

On XX/XX/2022, I, XXXX XXXX, a natural person, requested Discover Bank on the Consumer Financial Protection Bureau ( CFPB ) portal to provide me with a 1099c form, due to Discover Bank has my account listed as Charge-Off with the amount of {$1200.00} to all the major Credit Reporting Agencies XXXX XXXX, XXXX, and XXXX XXXX XXXX However, Discover Bank has responded on XX/XX/2022 and made it clear Discover Bank CAN NOT provide me, XXXX XXXX, a natural person, with such documentation ( 1099c ) as I requested. Without further ado, as I am investigating this matter, this is a violation pursuant to 26 U.S. Code 7203. Willful failure to file return, supply information, or pay tax. If they are listing the account as a write off and fail to provide the form, pursuant to 26 U.S. Code 6655 is another violation. 

Best regards.
Product: Checking or savings account

I have a checking and savings bank account with Laurel road bank. It's Keybank. I have my salary direct deposit in this account. Since XXXX XX/XX/2023 I am not able to access this account. As per the message, I was told to call the bank which i did on XXXX XX/XX/2023 and was on the phone for around XXXX minutes. 
Reasons provided : 1. One of the check was returned back. 2. There was a direct deposit from my husband into this account. I provided my clarification and they said that they will add my spouse as a joint owner for checking account and will unblock my account to access it and do any transactions.

But even after 14 days - my access is not working. It's my salary account and all my savings are there. Laurel road bank is strictly an online bank so I can not go to some branch to do these transactions. This is the message I am getting Your Online Banking account is restricted. To verify your identity and gain access, please call us at XXXX or XXXX  XXXX. 

Finally I got XXXX letter from Keybank that they are closing my account and going to negatively impact my credit profile. Please see the attached letters. 

Not only this unfair and unreasonable bank held my money for weeks but now closing my account. I have no idea whether my employer paid me accurately or not?
Product: Mortgage

On XXXX XXXX, my wife received a pre-approval for a loan with United Atlantic Mortgage CorpXXXX Of Virginia XXXX NMLS # XXXX and was given an approval letter stating the address of the property, sales price, down payment, loan amount, monthly payment, interest rate, APR , and no indication or statement of the rate being based on buying down or any money needed to buy down the rate at closing. This prompted her to choose United Atlantic Mortgage as her lender and proceed with purchasing a home. 
She received an email on XXXX XXXX from the lender with the approval letter stating that the rate was locked in at 5.875 % ahead of the pending downturns in the real estate market. 
XXXX XXXX - notified by United Atlantic Mortgage that the rate previously quoted was with a XXXX payment due at closing to buy the rate down. We contacted United Atlantic Mortgage Corp and showed them the pre approval letter and email stating we were locked in and XXXX XXXX stated " all lenders give their rates assuming a payment from the applicant to buy down the rate ''. She also said, " I know it looks like a bait and switch, but it's not ''. 
We have attempted to work with this company and simply want the rate that was given in writing, the reason we went with them, to be honored, WITHOUT having to buy it down, as it was originally guaranteed.