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

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on 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 XX/XX/year> 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 XXXX  days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

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

Some recent identity theft has caused me to look deeper into my credit report. I have attached a screen shot of fraud alerts on all 3 credit bureaus. During this process I have noticed several inquires I do not recognized and are UNAUTHORIZED. One of them being by Carmax marked XX/XX/XXXX on my XXXX. I tried to contact Carmax directly through certified mail onXX/XX/XXXX. The letter was mailed to the mailing address listed on my credit report. I have attached the certified receipt. It was delivered to CarmaxXX/XX/XXXX via certified mail. It has been well over a month and I have not received a response from them. Thus I am assuming they have no such documentation to pull my credit. I do not recall giving anyone at your company permission to pull my credit. I did apply for credit with your company. Please respond and include a copy of the application with my signature giving you permission to pull my credit, as per the FCRA. The application must state that I agree to give your company permission to pull my credit report. If you do not have an application with my name and signature on file, you are required by law to immediately contact the credit bureaus and remove the hard inquiry from my credit file. If you argue that the approval was given over the phone, then I expect a print out of the full details of the conversation be sent to me, as well. If you argue permission was given through an other company I expect you to provide documentation of that too. I have attached a FTC advisory opinion as to what is considered permissible purpose and what is considered " written instructions '' that are required by the FCRA. I request you provide documentation to meet this criteria. https : //www.ftc.goXXXX Thank you for help in this matter.
Product: Credit reporting or other personal consumer reports

I reached out to the Bankruptcy courts in writing asking them do they verify information about bankruptcy cases. They sent a letter to me stating that they do not verify information. I contacted LexisNexis with this information and let them know that the courts are stating that they do not report any bankruptcies. I sent copies of the letter from the courts and asked that this information be removed from my credit report. I am attaching the letters that were sent. On XX/XX/year> I contacted XXXX by phone because I put in a dispute and they responded that the bankruptcy had been verified. I spoke with a customer service rep by the name of XXXX and asked who did they speak to at the courts, because according to the courts they do no verify information over the phone. He went on to say that they did speak with someone with the courts and with Lexis Nexis and the bankruptcy was verified. He never gave me the name of who he spoke with at the courts, the date, the time, nor did he provide with the phone number he called, what documentation he had to verify that the information that he claimed was verified as accurate, this inaccurate reporting has caused me severe financial and emotional distress. At the end of the call with XXXX he asked me to send them a copy of the letter, which makes no sense to me because he claims that they spoke with someone from the courts and with Lexis Nexis which Lexis Nexis sent a letter to me stating that they had suppressed my file. I would like for Lexis Nexis to send me a letter stating that this information is no longer being reported and has been removed from their system. I also sent the same information XXXX XXXX XXXX And for all three credit bureaus to delete this information from my credit report immediately
Product: Checking or savings account

Ally sent me numerous emails, like the one attached, stating I would receive a 1 % bonus if I : 1 ) opened an account by XX/XX/XXXX with promo code XXXX 2 ) transfer money by XXXX 3 ) keep money that money until XX/XX/XXXX and 4 ) keep account in good standing and bonus will be paid by XX/XX/XXXX. 

1 ) I opened an account on XX/XX/XXXX with promo code applied ( and sent them a print screen of the promo code applied ) 2 ) completed {$50000.00} of transfers by XX/XX/XXXX 3 ) maintained transferred funds until XX/XX/XXXX 4 ) my account is still open and in good standing but they will not pay me the bonus. I contacted them on XX/XX/XXXX to inquire about the bonus and they said I would have received another email if I was eligible ( which was not mentioned in the promotional emails they sent me to entice me to transfer funds from my higher paying accounts to their lower paying accounts ). I asked for more specifics on why they would not honor the terms of their promotional email I met all the requirements for as I considered that false advertising and mentioned I would file a complaint with the CFPB. They replied on XX/XX/XXXX they would escalate my issue and respond with 24-48 hours but I still have not received a response as of XX/XX/XXXX or any valid reason on why they won't honor their promotion I completed the requirements for.
Product: Debt collection

The aforementioned credit collection agency representing XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If Commonwealth Financial does not have any documentation, they need to retract this from my credit file immediately.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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: Mortgage

I was one of the customers of Wells Fargo who was denied a XXXX modification. I have not received anything from Wells Fargo. Because I lost my home it would probably be hard for anyone to reach me. Actually, I should have been one of the first people WF reached out to because I fought hard and long to get them to correct my account with excessive fees, etc.

Immediately after my husband died, I found out that Wells Fargo messed up my loan by creating an escrow account claiming I owed money for my taxes which had been paid. Also, when I carefully audited my account I found they had added a bunch of unnecessary fees. Wells Fargo double paid the taxes on my home. I contacted each taxing authority to sort things out and get proof, which I sent to Wells Fargo. Even after Wells Fargo received the proof and each taxing authority REIMBURSED them, WF still did not remove or correct the error on my account.

Later I applied for a HAMP modification which I was MORE than qualified/eligible to receive and was turned down more than nine ( 9 ) times. I worked with the people that were setup to help with modifications, I even paid people to modify my loan and each time I was denied. No one could understand why I wasn't getting approved. My attorney spoke with WF attorneys and WF 's attorney 's didn't understand why I wasn't being approved. Due to my persistence, at one point my account was handled by executive offices and even WF 's employees could not understand why I wasn't being approved. My home ended up in foreclosure several times and I even filed a lawsuit against Well Fargo and all their servicing companies. I wrote to Washington begging for help! After fighting to keep my home for years, I lost it in XXXX  and became XXXX. I was separated from my XXXX  and basically lived on the streets with my XXXX little dogs. By the grace of XXXX my XXXX  was able to stay with some friends of his until he graduated high school and went to college in XXXX XXXX 

I still have all of my documentation where I filed lawsuits against Wells Fargo and if you google me on line, you can find copies of it. I eventually had to give up the fight because I couldn't afford counsel, didn't have the knowledge or expertise to fight against WF 's team of lawyers and lost my home where I didn't have access to computers, printers or anything else needed to fight. The shocking and amazing part of my story is that I was able to help XXXX people to modify their loans and get approved for a XXXX modification... ..but couldn't get mine approved. The people I helped were in a worse situation than I was ... .but, they still got approved.
Product: Mortgage

I was approved for forward payment mortgage assistance in XX/XX/2022. The following month, I provided the award letter to the mortgage company, Nationstar aka Mr. Cooper, to have for their records. This letter detailed XXXX forward payments would be paid by the XXXX XXXX XXXX XXXXXXXX XXXX under the Homeowner Assistance Fund ( HAF ) program. After calling Mr. Cooper multiple times for payment status, I was told late fees and negative credit reporting would follow late payments regardless of the commitment and guarantee of a government agency sending the funds. 

I requested to speak with the XXXX point of contact within Mr. Cooper and I was told there was not anyone assigned to deal with HAF. I had been communicating with the Florida XXXX consulting firm and they advised that payment for XX/XX/2022 had already cleared with an email dated XX/XX/2022. However, upon calling Mr. Cooper, loss mitigation department could not locate the payment nor provide any information on funds received or when they would be posted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I received a response from Bank of the West 's credit dispute process refusing to correct the payment history reported to the Credit Bureaus showing that this account 's XXXX payment was made 30 days late. 

This account has been opened for more than 3 years with no late payment history since the inception of the loan. In XXXX ( approximate ), Bank of the West ( BOTW ) was acquired by another bank. Prior to this acquisition, the monthly payment was made by us to BOTW via wire transfer from our bank directly to the HELOC account. Post acquisition, a change in process occurred whereby BOTW would accept payment ONLY by a direct debit ( by BOTW ) from the checking account which was required by BOTW to have in order to have obtained the HELOC.

At issue is that this direct debit from BOTW occurs at midnight on the XXXX of the month and only on XXXX of the month at XXXX It does not appear that BOTW verifies the funds are available in the required checking account within the stated grace period and before reporting a late payment to the credit bureaus. 

Between XX/XX/XXXX and XX/XX/XXXX the full payment amount was wired into the BOTW checking account and available to the bank to withdraw for payment. Unbeknownst to me- nor should the burden be entirely mine to ensure BOTW pulls money available to them to cure the owed payment before reporting a damaging 30 day late payment to the credit bureaus. 

I provided to BOTW credit dispute department confirmation that the wire was sent and received by BOTW within the first five business days of the due month. 

I believe the bank failed to act responsibly by : 1 ) verifying if the payment was available in the designated account before the end of the grace period ; 2 ) verifying the payment was available in the designated account before the end of the month or time period before reporting a missed payment to the credit bureaus. BOTW 's practice of limiting the timeframe by which they verify payment is made to midnight of the first business day of the month and does not appear to verify within a reasonable amount of time the payment is available creates a harming situation for a customer who is making their payment ; making their payment in the manner designated by the bank ; and made within the stipulated grace period and within the time frame allowable before a negative payment is reported to the bureaus. 

The BOTW actions are now creating secondary harm through increased interest rates and higher costs for purchases relying on our credit bureau score.

I am requesting that BOTW correct the late payment report to the credit bureaus. I also encourage, as a matter of public policy, to review this practice by BOTW. 

Thank you.
Product: Credit card or prepaid card

The credit card capital one bank USA n account XXXXxxxxxx amount {$1500.00} opened XX/XX/2011 isnt mine please remove this from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a known issue with XXXX XXXX concerning three ( 3 ) hard inquiries on my credit report from XXXX XXXX XXXX through Synchrony Bank. I contacted Synchrony Bank, the associate that answered stated this is a known issue and that others have called in stating it has happened to them as well. The associate advised me to reach out to XXXX XXXX to dispute it, however, there is no contact number. These three ( 3 ) hard inquiries dropped my credit score by XXXX points. I did NOT apply for any airline credit cards. I need help with this please. On the app it states that one will drop off at the end of XXXX and the other will drop off in XXXX. I have been working on repairing my credit over the past four ( 4 ) years and it was rising steadily, till this happened. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent dispute letters to XXXX, XXXX, and CCS Companies about inaccurate and incomplete items reported on my credit report. I sent it USPS certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX, XXXX XXXX XXXX XXXX XXXX for XXXX, and I need assistance in this matter.I will attach copies of the letters below for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. This has not happened. XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure all my private information isnt shared at all. which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers nonpublic personal information. 

XXXX XXXX XXXX  and XXXX XXXX is a financial institution by definition under that title 15 USC 1681 section 604 a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer whom it relates. 

XXXX XXXX XXXX  and XXXX XXXX the financial institution and the Consume Reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Plus XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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 This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S Code 1681s-2 ( a ) ( 1 ) A states A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

According to the 15 U.S Code 1681 e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681 of this title. 

XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong balance reported on my XXXX XXXX credit report I AM NOT over my limit and I would appreciate it not being reported that way. I attached the proof below. Please stop reporting my December balance in error.
Product: Credit card

I applied a capital one credit card on XX/XX/XXXX, at that time capital one had partnership with XXXX, thats the reason and only reason that I applied it from capital one, as new card holder, I had XXXX month 0 % XXXX, and capital one broke that agreement on XXXX. When I called the customer service, they told me the card I applied has the interest since day XXXX, when I argued about the XXXX 0 % XXXX, I was told I wasnt qualified for it, and thats a lie! New card holder has the first year 0 % APR, which should be end on XX/XX/XXXX, because if my card had a interest since day XXXX, how comes capital one didnt charge me any interest till XX/XX/XXXX?! This is the first credit card company that I knew would do this to their customers. Seems everything went to XXXX under XXXX administration.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX Balance Owed : {$150.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXXXXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX Balance Owed : {$870.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act these accounts has violated my rights. 
-XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 -XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 -XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 These accounts are not accurate and please remove them 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't furnish a account without my written consent.

15 U.S. Code 1681 A Exclusions- ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report Reinvestigate the completeness of every piece of information
Product: Credit reporting or other personal consumer reports

I have 2 hard inquiries I dont give permission to company to do that, my other credit bureau removed it.
Product: Mortgage

My XXXX payent was 10 days late. They called me every day and harassed me even after I told them when I could make the payment. XXXX 's payment was on time. Here it is XXXX XXXX and a girl calling herself XXXX called to harass me about XXXX payment. It 's not even due yet! They are so rude and ask the same questions over and over, when you think they are finished they say they need to pass you to a supervisor and then you go through the same thing all over again. I asked why I needed to speak with a supervisor and she said to confirm my information, I think it was just to waste my time and badger me. I did n't choose Greentree, they bought my loan from XXXX. Ca n't wait to be done with them.