23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a home equity loan at Huntington National Bank XXXX XXXX XXXX XXXX Ohio XXXX. I am retired so I paid off my bills and I closed my accounts before I retired. I have less than 10,000. In debt. I pay my accounts as agreed. My income is over XXXX. My property value is over XXXX. I am divorce and my exhusband pays the mortgage which is less than 50,000. When I called and asked why the loan was not approved they stated my FICO score was XXXX and I needed at less a 680. I told them my credit score is based on debt. If I had large debt than I would have a higher credit rating. My credit will go lower because I just paid off two more of my accounts. I feel my loan was disapproved because I am a XXXX female. The application name is XXXX XXXX
Product: Credit reporting or other personal consumer reports

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


XXXX EXPERIAN 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX I am a retiree living in XXXX, DE, trying to refinance my mortgage to save {$200.00} a month - but Experian froze my credit report and refuses to remove the freeze, unless I send a written request by USPS - my mortgage bank needs my credit report NOW - not next week. Itried to contatc Experian, but XXXX and phone customer services keep taking me round and round without ever connecting me to a live voice - I probably placed the freeeze two years ago following the famous data breach at Experian - Experian wants me to prvode an ID number given to me at that time ... I dont have it. Exoerian wont furnish it without written request! This is customer service nightmare!
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

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

I received a 1099 in 2017 ( included in this complaint ) for an outstanding balance on a timeshare. The balance is {$9100.00}. I paid taxes on this amount. However, Trans Union is still reporting this account as a repossession with a balance of {$9100.00}. This incorrect reporting is costing me my chance to refinance my mortgage. I need this updated or deleted immediately. I am not sure if the issue is with Trans Union not updating properly, or XXXX not reporting the correction to Trans Union. Please see attached documents.
Product: Credit reporting or other personal consumer reports

Hello, please see the below regarding XXXX. I am now dealing with a situation where my credit report scoring has now dropped 47 points because XXXX has still not updated XX/XX/XXXX credit reporting for my auto loan with XXXX. ( XXXX sent me a copy of the letter they submitted to all three credit bureaus to update my account as current for XXXX and XXXX of XXXX. ) However, now when I log into my XXXX account, all of my payment history since the beginning of my loan with XXXX is now gone. This issue has been ongoing since late last year. I called XXXX last month on XX/XX/XXXX I believe. Here is the customer service information for the call. 
Confirmation number from XXXX XXXX Representative : XXXX XXXX hours dispute completion I never received a resolution to this dispute. Please assist as they have completely messed up my entire credit reporting regarding XXXX. 

The other two credit bureaus, Equifax and XXXX have not correctly updated my payment history regarding my auto loan with XXXX either. I have submitted disputes with all three credit bureaus and none of them have correctly updated my payment history. 

Thank you
Product: Debt collection

Today, XX/XX/XXXX, I received an alert regarding my credit reports ; therefore, I login to see a new collection account from the creditor. I 've never had a payday Looan with original creditor nor have I been contacted by the creditor. My credit toke a 20 to 26 point hit over something I 've never owed. I research company and noticed many other consumers stating they received hits on their reports this month as well unexpectedly. This should be illegal. I 'm just asking for relief. Repairing my credit after a bad marriage has been hard enough and to have this happen makes it feel useless.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan keeps getting moved around as the mortgage companies keep getting bought out. First my loan was through XXXX then to XXXX then to Mr. Cooper and now Nationstar. Every single time my loan gets moved around, the month that their transition happens the new lender marks my mortgage as 30 days late. I have NEVER been late on my mortgage, it gets automatically taken out of my bank account every single month. Every time this happens I call the lender and they tell me there is nothing they can do and I have to dispute it on my end. This is negatively affecting my credit score for no reason and it's not fair that I suffer the consequences. I have no say in my loan being moved over when the mortgage company gets bought out and I have never done anything wrong. None of these companies have ever been willing to fix this and they have no explanations for why it keeps happening. To me this is illegal, I am paying every month exactly like I should and I get punished because they sell their company to another. I have been able to get a couple of them fixed but I have a new one from Nationstar and I absolutely have proof that I paid it and they won't reverse the late payment mark. I also have one from XXXX last year that has not been reversed that I have fought.
Product: Checking or savings account

In total I have spent hours messaged on a chat to the bank talk to XXXX different people on the phone including a supervisor to close an account on which I do not owe anything on and the account is XXXX they refuse to close my accounts stating verification reasons even though I had to verify in order to speak to everybody XXXX of the individuals that I spoke to over the phone was requiring that I would tell him my social security number even though I had already inputted it into the system and was verified when I refused he would not verify me and then when I called back I was automatically verified with the next person even though I didn't give them that information and then they sent me to the supervisor who I spend an hour on the phone with gave all the right information and he refused to close my account saying that they are going to have to contact me with a specialist to verify at a different time even though I gave him all the information he asked this is against the law they are not closing my account within a reasonable amount of time I would like legal action against Ally bank I am entitled to compensation for my pain and suffering and the time that it has taken
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. Accounts XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Inquiries XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 XXXX  XXXXXXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX Date of inquiry : XX/XX/2022 XXXX XXXX  Date of inquiry : XX/XX/2022 XXXX  XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Debt collection

Portfolio Recovery Associates ( PRA ) violated the early-warning notice clause FACTA section 623 ( A ) ( 7 ). 

This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. 

I will explore all legal options if this item is not removed with 15 days of receipt of this complaint. 

I was XXXX  in Federal Prison from XX/XX/XXXX & released XX/XX/XXXX. 

My address during my XXXX  was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX Moreover, received mail from : U.SXXXX Department of Justice United States Marshals Service Prisoner Operations Division Washington , DC XXXX XX/XX/XXXX, U.S. Department of Justice, United States Marshals Service mailed letter to me stating that my personal information may have been compromised On XX/XX/XXXX, the United States Marshals Service ( USMS ) , XXXXnformation Technology Division ( ITD ) received notification from the Department of Justice, Security Operations Center ( JSOC ) of a security breach affecting a public-facing USMS server that houses information pertaining to current and former USMS prisoners. This letter confirms that when the breach was discovered XXXX I was incarcerated until my release on XXXX. 

I never received any mail from PRA at my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX. 

Attached is dated letter XX/XX/XXXX from the U.S. Department of Justice, United States Marshals Service, PrisonerOperationsDivision Washington , DC XXXX Attached also in my release document from XXXX XXXX XXXX XXXX Would like PRA to provide copy of letter that was sent to my address : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is 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 or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ,XX/XX/XXXX Balance : {$0.00} XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX  have not reported that rental amount that I owed as paid on my credit report. This was paid by Alabama rental assistance. I have documentation to show as proof. This was paid in 2021 in two installments first amongst was {$1500.00} and the second amount for {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint asa follow up to the 1st round Complaint I recently submitted. I sent a letter addressed to the Credit Bureaus on XX/XX/XXXX requesting the Credit Bureaus to remove the Accounts and information that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again. The items in question are as follows : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX  XXXX Balance : {$710.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$580.00} XXXXXXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} CXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that the Credit Bureaus send me an updated copy of my credit report once the fraudulent items have been removed.
Product: Credit reporting or other personal consumer reports

This credit account on my Equifax report is incorrect from XXXX XXXX XXXX Opened on XXXX XXXX, XXXX  for the amount of {$690.00}, is not my account. I did not open any credit card from this company, nor did I own any credit cards in XXXX. This account was removed from my credit report and now it is reappearing back on my credit report. This is an incorrect account on my credit report. I spoke to the company and credit bureau and was told it would be removed, and it was removed but added back on my credit report this month.
Product: Credit reporting or other personal consumer reports

through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this complaint is regarding XXXX XXXX FKA XXXX, ACCT.NO.XXXX reporting on EXPERIAN, XXXX   AND XXXX  credit bureaus.It is of special significance that this account has been disputed twice within the last 30 days from each bureau and each bureau updated and verified the information each time. 
The evidence attached are 3rd party credit pulls pulled today XX/XX/2019.After multiple disputes verified by each bureau, the information does not match between them and all of them can not be correct even though each bureau says the information is correct.I would like this specious creditor who bought the account or the bank to simply delete the account as a solution for this ongoing problem. 
The proof is clearly readable and understandable for each bureau to act unilaterally to delete this account from a creditor who does not possess the records of the original creditor and is merely guessing as a response to a dispute.
Product: Checking or savings account

On XX/XX/XXXX JP Morgan Chase Branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Despite contacting this Chase Bank branch and taking recourse through my own bank, XXXX, as advised by Chase Bank representatives, there has been no remedial action undertaken by either institution. 

The check in question, amounting to {$5000.00}, was stolen and not endorsed, yet it was erroneously allowed to be deposited at the Chase Bank branch mentioned above. The check fraud was reported within the quarter. I have been trying to resolve the issue for over 2 months. 

When I visited the Chase Bank branch in person they claimed to be in agreement that the check should have never been deposited as it is clearly unendorsed, but that unfortunately I would not be able to file a claim myself within their branch as I am not a Chase customer and that I would have to file a claim within my own bank. I have done so with my bank, XXXX, and XXXX representatives have now come back and told me there is nothing they can do as Chase is not cooperating and XXXX is refusing to pursue the matter further. 

I would like to file a complaint against both institutions. Against Chase Bank for depositing an unendorsed check and then when alerted refusing to correct the issue. And one against XXXX for failing to represent their client when there was clear fraudulent activity taking place. XXXX even went as far as stating that they " condone this illegal activity '' on a recorded phone call with the company and myself on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Breach of the system my information might have been stolen
Product: Credit reporting or other personal consumer reports

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

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was made on time. My records show that the payment was submitted in XXXX and XXXX, XXXX, well before the due date. I have attached bank statements and payment confirmation receipts as evidence of this timely payment. 
Additionally, I did not receive any prior notice or warning of a delinquency, further suggesting that there was an error in processing or crediting my payment. 
This inaccurate late payment entry has resulted in unjust negative consequences on my credit score, affecting my ability to secure favorable credit terms. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

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

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

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

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

HI to whom it might concern, American Express. 

In XXXX I found my credit card didnt work. After I contacted the customer service, I was told that someone reported my credit card is a fraud, ( which is very weird because I followed their protocol to apply for this card and they approved my application ) and my account has been frozen and investigated for a month. In XXXX, a representative in Fraud department then told me the card they were supposed to investigate and suspend is someone else 's card but mine, because that one was applied with SSN. My card doesn't come with SSN, so she guessed probably they made a mistake to cancel my card. Now all my bonus points as long as my account were cancelled. And they refuse to reinitiate my card for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account was opened in my name at XXXX. I informed XXXX  of the fraudulent account and they concluded that account was verified to be correct. But XXXX verified that the account was fraudulent on the attached letter below. Account is fraudulent and XXXX  keeps reporting it and affecting my scores.
Product: Money transfer, virtual currency, or money service

I had a Cashapp account and suddenly I was informed that my account was closed due to a review my account ( $ kikidoyoulovme ) has been found to be in violation of our Terms of Service policy. I typed in the chat bot screen, asking what policy terms did I violate. I was informed that, that information was not available contact customer service for further details. I tried to contact the links provided but they gave no other details than I already received and links that I already had. I was never contacted neither did I get to speak with any human representative. The app refunded my balance back to me but I also had a few stocks that I had accumulated dividends from still accumulating on the Cashapp forum. I did not want to cash out my stocks I bought them to invest long term. I have not received any response from Cashapp support regarding my issue its been about XXXX yrs. I have tried to open a new account and have been issued a message that I can not due to policy violation. I never violated any policy of cashapp I only transferred money from my account to people for goods or service payments or to my children.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Transunion to remove XXXX XXXX off of my Transunion credit report. This is not my name. My name is XXXX XXXX XXXX and XXXX XXXX. This information is not showing on my XXXX  or XXXX  report. This name is only reporting incorrectly on Transunion. I have attached a copy of all three bureaus to compare the difference between the each report that shows my correct name as XXXX XXXX verses the incorrect name XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly filed disputes on my Experian report regarding a Bankruptcy. My latest dispute filed on XX/XX/22 was investigated and now it " remains '' even though the information can not be verified. In addition, I sent Experian a letter from XXXX stating that the information can't be verified because it's no longer in their files. 

In addition, I'm attaching a letter from the Bankruptcy Court who verified that they don't report information to credit bureaus. 

All of this information was sent to Experian, yet they continue to erroneously report this information on my credit report. 

According to FCRA, if it can't be verified, it must be removed.