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

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days 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 XXXXXXXX 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XX/XX/XXXX, I sent in letters regarding inaccurate reporting of false items on my credit report. I have not received their method of verification nor the results of their investigation. I feel like I'm being ignored of my claims and disputes. These are deceptive practices of the bureaus.
Product: Mortgage

I was working with XXXX XXXX  XXXX and Cardinal Financial on a VA Home loan. I was told I was unable to close on the loan because my tax transcripts did not match my amended tax return. Well the both of the companies were aware that my taxes were amended and submitted to the IRS by my account. My accountant provided a letter to the mortgage broker XXXX XXXX stating so. The IRS was contacted and they stated it was taking 16 weeks to update tax information but the lender ( Cardinal Financial ) could still receive documentation with the IRS stamp that the amended taxes were received and being worked on. The mortgage broker was notified of this and did not do anything to contact the IRS. The mortgage broker and lender were aware of my tax amendments from the very beginning of me starting this VA loan process then waited approximately 4 months till the day to close on the loan for my realtor to tell me that they were not going to be able to close because of the taxes. Then once I was told that the lender will not close on the VA loan because of my taxes, I was sent a bill for {$4800.00} from the lender. Ive closed on a VA loan in the past and never experience this type of unprofessionalism. Through the whole process the mortgage broker and lender were constantly ask me for the same documents over and over again, even to the point of when they wanted me to get the rent verification form filled out and when I had my landlord complete the form, I was later told that this can only be requested by the lender. These types of circumstances were happening with this lender and mortgage broker and every week there was an increase on the down payment for a VA loan.
Product: Credit card

I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : Card Services XXXX XXXX XXXX XXXX, DE XXXX This was a request to open a dispute for a transaction with XXXX XXXX XXXX on XX/XX/2023 in the amount of {$250.00} XXXX submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well. UPDATE : ATTACHED IS THE USPS TRACKING INFORMATION SHOWING DELIVERY OF THIS LETTER
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been reporting incorrect information for months on my to my credit file which lead to on on going Disputes using XXXX since XXXX XXXX 2024 .I 'm unable to access 's my credit report-in account, in a Depute letter. credit reporting companies requested additional. Information to help my claim on file XXXX l received a letter from these XXXX XXXX apologized for incconvenience they caused
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter addressed to the Credit Bureaus requesting to conduct an investigation and correct the information being reported. The XXXX credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting. 
XXXX XXXX Date opened XX/XX/2017 Balance {$150.00} XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXX XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXX XXXX Date opened XX/XX/2017 Balance {$120.00}
Product: Mortgage

Yesterday, XX/XX/2020 I tried to pay my mortgage for XX/XX/2020 online. The website had changed and now won't let me log in until I put in a 6 digit code that they allege was sent to my email. I have never received that code from them, despite trying multiple times to log in. There is no " retry sending code '' button. It just never arrives. I tried calling their hotline, XXXX, but they have said 6 times now that there are no operators to help. I called at XXXX, XXXX, and XXXX yesterday, and XXXX, XXXX, and XXXX today. Each time I call the automatic operator says that no one is there to help me and to call back. They won't even put me on a waiting list or give me a call back option. It literally hangs up on me. I can't seem to speak to a human about this issue with the website. I can excuse the code not sending, although it's annoying, but they should have operators available. I'll wait an hour if I have to, but they won't even let me wait. 

I think I have to mail them a check which I do not trust. Also, there is a fee to pay over the phone. 

Name of the company is Cross Country mortgage.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized hard inquiries that have been made on my credit report. These inquiries were not authorized by me and have negatively impacted my credit score. Below are the details of the inquiries in question : XXXX Report : XXXX XXXX XXXX Inquiry Date : XXXX Type : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Date : XXXX Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple Entries ) Inquiry Dates : XXXX, XXXX, XXXX, XXXX Type : XXXX XXXX XXXX XXXX XXXX Equifax Report XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Entries ) Inquiry Dates : XXXX, XXXX, XXXX Type : XXXX XXXX XXXX  XXXX Dates : XXXX, XXXX Type : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX Inquiry Date : XXXX Type : XXXXXXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute any information on their credit reports that they believe to be inaccurate or incomplete. Section 604 of the FCRA specifically states that a consumer report may only be accessed for certain permissible purposes, and I did not authorize these hard inquiries, which means they should not have been included in my credit report.

Due to the unauthorized nature of these inquiries, I request that they be removed from my credit report immediately. These inquiries are damaging my credit score and affecting my financial health unjustly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Experian Willful Non Compliance Experian is willfully non complying to the FCRA. Experian is reporting debt that has been canceled. I have proof of the 1099c attached. 
XXXX XXXX submitted XXXX XXXX for account XXXX and XXXX to the IRS on XX/XX/XXXX and supplied a copy to me. Experian is committing willful negligence by reporting a debt that no longer exists. According to the IRS a 1099c is a notice to the IRS that the financial institution has forgiven or canceled a debt of {$600.00} or more.

Once a debt has been written off and a 1099c has been issued, the debt can't be collected.

Errors on your credit report must be corrected by the credit reporting agencies according to the Fair Credit Reporting Act.

I have supplied Experian with a copy of the 1099C and any other relevant information with a request to correct my credit report. Inaccurate, incomplete or unverifiable information must be removed or corrected. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or 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  Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$150.00} ; XXXX XXXXXXXX Balance Owed : {$72.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$130.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} ; ( Original Creditor : XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX submitted a collections agency ( Receivables Performance ) to collect a {$480.00} debt for my son ( XXXX XXXX XXXX XXXX acct no. XXXX ) In my name ( XXXX XXXX XXXX XXXX acct no. XXXX ). When I was able to determine the account numbers, I submitted the account numbers to the collections agency escalations department citing the differentiation, and they refuse to act.
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX credit card account that is closed on my credit report showing up twice. Both accounts have their own number however they are duplicates. I submitted a claim in XXXX as well as XXXX about this mistake. Ive spoke with someone from Experian and also a XXXX XXXX representative who informed me there is only account showing up in their system. I was told every time that the information is correct and that because they both have different account numbers they are not duplicates of each other. Ive requested information regarding both accounts and have yet to receive anything which is a violation of 15 USC 1681i7.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Experian, XXXX  and XXXX  Credit Reporting Agencies for violation of the Consumer Credit Protection Act. The Consumer Protection Act requires all three credit agencies to review my credit history to determine if a raise in my credit score is required. A Bankruptcy was listed on my credit report from XX/XX/XXXX to XX/XX/XXXX which lower my credit score. As verified by my credit report for this 10 years I have a maintain a Exceptional Payment History for all of my accounts however credit score remained the same. Experian lowered my score 14 points from XXXX Good to XXXX Fair the rest did nothing. I have received as answer from XXXX  informing me this information was removed from my account, XXXX  haven't responded.
Product: Mortgage

My father passed away XX/XX/XXXX and as Successor Trustee of the Living Trust the asset is held in, I contacted the reverse mortgage company in writing on XX/XX/XXXX of my intent to sell the property to pay them off. The communication was sent to the email address they provided, and I received an automated confirmation they received it. I inquired with them to determine how much my father owed but they would not speak to me until they received the required paperwork in the XX/XX/XXXX communication. I called on several occasions only to be told the paperwork was under review but that it has not been completed yet, so they were still unable to tell me how much my father owed them. After several weeks, one of the clerks form the company told me they never received my paperwork sent to them on XX/XX/XXXX and gave me another " expedited '' email address to send it to. I resent the information on XX/XX/XXXX and that clerk did remain on the line with me to confirm it was received. 

Upon obtaining an offer to purchase the home, a payoff request was sent to the company in accordance with their instructions. Their internal policies require a 7-10 business day turnaround time upon receiving a written authorization to quote a payoff. They received said written request on XX/XX/XXXX. Multiple calls to the company confirmed receipt but that they will not quote the payoff, and had until XX/XX/XXXX to do so, which is 11 business days from the XXXX ... Today is XX/XX/XXXX and after not having received the payoff quote, they were contacted but advised that they " never processed that request. '' First, we were told they never received the request, which appears to be standard operating procedure in the first response customers are given. It was only with persistence and demanding they review again that they found it being received on the XXXX. 

I have had to delay the closing on the sale of the property solely due to their lack of submitting the payoff to us in a timely manner and it appears I may have to do it again. 

I believe the delay in my loan closing and payoff of the debt with this company should not cost me any additional interest or fees that the company will tack onto the loan since it is their gross negligence that causes these delays. 

It is apparent that the company intentionally drags out these processes to earn more and more income off of their clients. Further, I believe the company operates under standard practices that are unfair and deceptive in that they intentionally make it difficult for their clients to do business with them when they are faced with a client wanting to satisfy a debt. 

I am in the XXXX industry, XXXX  specifically, and I am disgusted by the lack of regulation on these companies when other XXXX  industries are hammered by regulation.
Product: Credit reporting or other personal consumer reports

In accordance of the reporting act - ( Citibank ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX have violated my rights. 


The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( 15 U.S.

Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX act # XXXX has violated my rights 15 USC 1681 section 602 States I have the right to privacy.

It also states a consumer reporting agency can not furnish my account without my written instructions.

15 USC 1666B states that a creditor can not treat a payment under a credit card account under a open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$420.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally contest the inclusion of specific items within my consumer report that I believe have been reported without my explicit written consent. I am raising this issue in accordance with the provisions outlined in 15 USC 1681b, which safeguards the confidentiality of consumer information. Additionally, there is no record of written consent to include my chapter 7 bankruptcy in my consumer report.

I have previously filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized disclosure of my personal information, which I strongly believe constitutes identity theft. I have been assigned a reference number for this FTC report, identified as XXXX. 

In accordance with 15 USC 1681c-2, consumer reporting agencies are mandated to swiftly halt the reporting of any information in a consumers file that the consumer identifies as information stemming from suspected identity theft. I respectfully request that you comply with this legal obligation and promptly eliminate the following accounts from my consumer report : Account Name- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I closed my Citibank checking account over the phone with Citibank on XX/XX/. I was told a check for the remaining balance would be mailed out and I would receive it in 10-15 business days. 

On XX/XX/, I called to inquire as to the status of the check. On the call, I learned that my account was not closed by Citibank. I was never notified, by phone or email, that my account was not closed. I closed my account for the second time on XX/XX/. I was informed I would have to wait ANOTHR 10-15 business days to receive my funds. 

Citibank is fraudulently keeping accounts open without customer consent, and further denying ( former ) customers access to their funds.
Product: Consumer Loan

My wife and I have had this loan for a number of years. It was issued to us in conjunction with the refinancing of our home. We recognize that the high interest rate makes it difficult to pay down the princple. We have payed consistently on time with no problem. When we have asked to be considered for a lower rate so we can add extra to the payment we are put off with " its not the kind of loan that can be lowered '' or they can perhaps consider it at a later date. I believe that it is because we have a good payment history and Wells Fargo sees us as a consistent payer and it is to their benefit to keep us in the higher interest rate. We are not asking for any reduction in the debt principle we just want a reduction of the interest rate so we can pay down our debt.
Product: Credit card or prepaid card

I was offered a XXXX XXXX " Gold ' Credit Card back in XXXX of XXXX. As a part of the promotion, XXXX was to issue 60 thousand bonus miles after I spent {$1500.00} ( within 3 months of issuance. ) I have met all requirements on the month of XXXX. While I expected bonus miles to be credited to my account at the end of XXXX, XXXX representative whom I have spoken notified me that it usually takes 4 to 6 weeks. So I waited until the end of XXXX and reached back at XXXX as I have not received it. I was told to wait another 4 weeks. After not seeing the bonus miles in my XXXX statement, I reached out to XXXX once again, only to be told that there is a technical issue and I must wait 6 more weeks. On XXXX XXXX, I was " in writing '' informed that bonus miles would hit my account as of XX/XX/XXXX. And once again I have not received them. So I called on XX/XX/XXXX, where I was told by the rep. that she was manually overriding the system and I would have my miles within 24 hours, as well as an additional 2 thousand for my troubles. 
And of course I once again did not receive them so I reached back and I was told to wait for 2 weeks!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 
XXXX {$32.00} XXXX {$420.00} XXXX {$57.00} XXXX {$180.00} XXXX {$1100.00} XXXX {$850.00} XXXX {$850.00} XXXX {$420.00} XXXX {$600.00} XXXX {$1400.00} USDEPTED4100XXXX {$50.00} XXXX {$160000.00} XXXX {$160000.00} DEPTEDXXXX  {$50.00} XXXX {$1800.00}