23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Transunion are all reporting fraudulent accounts on my credit report. these need to be removed immediately. I have attached the copy of the police report for fraudulent accounts on my report. there are two accounts showing with the creditor being XXXX XXXX XXXX XXXX XXXX there are two accounts with the same balance which is {$310.00} each. One of the accounts is reporting from XX/XX/XXXX, and the other is reporting from XX/XX/XXXX. Please have all bureaus remove these accounts from my credit report immediately. thank you.
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made 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 XXXX, XXXX, XXXX, AND XXXX 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, XXXX XXXX, XXXX, AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Delete the late payments from my consumer reports
Product: Debt collection

see letter enclosed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX # XXXX D/O/B : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX AND XXXXXXXX XXXX XXXXXXXX TEXAS XXXX RE : REQUEST TO MAKE JUSTIFIABLE CORRECTIONS OR REMOVALS OF UNVERIFIABLE OR INVALID ALLEGATIONS OF ACCOUNT INFORMATION SO TO MEET FEDERAL REPRTING STANDARS OR COMPLETENESS OF THE CURRENT REPORTING STATUS.TIMELINESS, TRUTH, ACCURACY AND COMPLIANCE ELSE WISE OF EVERY SINGLE ONE EACH ANY OR ALL THE ASPECTS OF ALLEGED ACCOUNT INFORMATION DOCUMENTARIFY TO BE PROVEN MINE SO TO FURTHER ENHANCE YOUR ADEQUATE AND MANDATED COMPLIANCE TO PROPER AND FAIR REPORTING. NO ENTITY MAY INCLUDE IN A CONSUMER REPORT ANY ADVERSE INFORMATION DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF THRUTH, ACCURRACY, COMPLETENESS, AND COMPLIANCE TO XXXX SOO PROVE NOW OR DELETE CLAIMS. UNDER : FCRA. 15 U.S.C. 1681i every single one even each any and all of the unproven, not complaint, incomplete, untrue, incorrect or unverified aspects of any alleged derogatory accounts must be promptly annuled in its entirety or even the whole of the claimed account are to be deleted. TO BE FULLY XXXX XXXX COMPLIANT FROM MY CREDIT REPORT UNDER : FCRA 15 U.S.C.1681B I HAVE NO GIVEN VERBALLY OR WRITING PERMISSION TO XXXX XXXX FURNISH THIS INFORMATION HAVING VIOLATED THIS CODE OF THE LAW collection charge off account XXXX Date : XX/XX/XXXX ALSO DATE OF ACCOUNT APPEARS ITS WRONG WAS IN XX/XX/XXXX XXXX XXXX XXXX XXXX CC.PROF OF RESIDENCE CC.SOCIAL SECURITY
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX : {$1800.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX  XXXX XXXX XXXX : {$2800.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX : {$1000.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX  XXXX XXXX XXXX : {$160.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately.
Product: Credit card or prepaid card

SunTrust will not credit my business checking account for a charge for serviced never received. I sent 3 letters and you can not talk to a person. Hold times are over 2 hours. 

Debit Charge dispute with XXXX Card Number XXXX Amount : {$140.00} Date : XXXX A letter was previously sent before to SunTrust with all the information listed below. It is very simple. XXXX has charged me for a car rental that I never got. I arrived on time for the pick up the car. XXXX should refund us {$140.00}. 

XXXX never responded to my e-mails for refund. Three-mails were sent on XXXX, XXXX & XXXX. It is impossible to talk to a person at XXXX. No phone number is listed Sequence of events Car was booked thru XXXX. on XXXX Confirmation number XXXX Car pick-up date : Location : XXXX XXXX XXXXXXXX XXXX XXXX Date and time : XXXX at XXXX XXXX I arrived at XXXX XXXX  XXXX XXXX XXXX at XXXX XXXX. I was told me that a car was not available and was given a phone number to call. I call the number and was put on hold for over an hour. After traveling for 7 hours, the last thing I wanted was to sit on hold. 

I took a taxi to my Motel. I called XXXX the next day and the same thing happened. I was put on hold for over an hour and then someone hung up. I finally gave up. 

XXXX never responded to my e-mails for refund. Three-mails were sent on XXXX, XXXX & XXXX. It is impossible to talk to a person at XXXX. 

I then contacted SunTrust to dispute the claim and the wait time was 3 hours. I then went to the local SunTrust branch and had a personal banker contact SunTrust. About three hours later he called me and told me he finally got thru and filed the claim. I got a letter about two weeks later from SunTrust asking for more detail. I mailed the letter. 

On XX/XX/XXXX, I receive a letter asking for more detail about the dispute. This is extremely poor customer service. This is a business account and this issues should have been resolve long ago. 

Kind Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

" Banc of California reported a late payment on my credit report because they incorrectly applied my {$5800.00} XX/XX/XXXX payment to my escrow account instead of my mortgage, due to a {$380.00} shortfall for XXXX and XXXX. Although my mortgage payment amount changed in XX/XX/XXXX, I did not receive any notice of this change due to moved to new place and continued paying the old amount through XXXX  XXXX XXXX 's bill pay. 

By the end of XXXX, Banc of California sold my mortgage to another company, yet I still made the XXXX payment to them. My bank account consistently shows a balance of over {$10000.00} each month, so there was no reason I would have paid a {$95.00} late fee instead of the {$190.00} difference. 

I am requesting that Banc of California remove the late payment from my credit report, as they should not have applied my full XXXX payment to escrowespecially considering their decision to sell my mortgage. ''
Product: Credit reporting or other personal consumer reports

there is another dispute XXXX that was opened for a different account. I wish to make sure that both accounts are reviewed, corrected and updated.This is not a duplicate complaint. 

XXXX XXXX debuted a new program financing classic automobiles through dealerships that they would finance a vehicle dating back to XXXX. I financed XXXX vehicles through a local dealership. The first vehicle was purchased and financed in XX/XX/XXXX, loan XXXX, XXXX XXXX XXXX. The second loan, XXXX, was purchased in XX/XX/XXXX. It was a XXXX XXXX. I made payments until I received a call from the dealer ( and did a conference call with the XXXX XXXX ) that the loans would have to be paid because XXXX would be unable to get a lien for these vehicles because New York XXXX does not issue titles for vehicles built prior to XXXX. XXXX had not done their due diligence because they were unaware of New York XXXX law/guidlines as repect to titles. Subsequently, they changed their XXXX XXXX policy to accept only vehicles newer than a XXXX XXXX was paid first with a check from the dealer on my behalf XX/XX/XXXX ( copy enclosed ). The other loan was paid in full with a check dated XX/XX/XXXX. This normal payoff was received by XXXX via XXXX on XX/XX/XXXX but not posted until XXXX copy of the ups details is attached. 
The first paid loan ( XXXX ) was reported to the credit bureaus as Paid in full as agreed. Although the second loan was paid in full in XXXX the credit report still showed a open loan in XXXX and XXXX. On XX/XX/XXXX I applied for another loan through XXXX and was declined due to a repo or chargeoff. After being on hold for XXXX minutes, I was informed that it was an internal error and would be internal only and not reflect on the credit reports. I immediately contacted the dealer who contacted XXXX many times. Many people involved all state that it is an internal error and needs to be corrected but no one can correct it because NO ONE has access to change the computer. As a result, my credit report currently shows XXXX chargeoffs which NEVER existed and this whole issue is a direct result of negligence on the part of XXXX for failing to due their due diligence. I know the email chain involved higher management and as a result they did issue me an approval ( based on an exception ) with a ridiculous fee and rate which was based on credit based on XXXX chargeoffs ( which are theirs and are inaccurate ). Many calls to customer service result in saying that someone will get back to me ( and no one ever does ) and that it is above their grade to be able to assist. I know the dealer, who has been fully transparent, has been working on this non stop also to no avail. 
XXXX more thing. The first loan that was paid, the XXXX, XXXX, which had been reported paid as agreed was changed to a chargeoff with the XXXX reporting. This was a willful vengeance act.
Product: Checking or savings account

In connection with the retaliation, XXXX discrimination ( 15 U.S. Code 1691 ), fraud & other abuses my company and myself have personally been subjected to by Wells Fargo I am formally requesting an outside investigation & mediation seeking damages. 

I have been the victim of Wells Fargo opening up a savings account without my consent or any disclosures. I've also suffered retaliation and XXXX discrimination after bringing it to Wells Fargos about the fraudulent activity by wrongfully & unlawfully denying me credit ( 15 U.S. Code 1691 ), unlawfully denying mortgage refinance opportunities ( based on race ), denying business credit line increases ( based on race ), & blocking secured business credit line graduations ( based on race - 15 U.S. Code 1691 ). All this compounded by the retaliatory nature by which these offenses took place they also closed my secured business credit cards unjustly even though the card is in good standing and with a low balance and did not return the original deposit for the card. 

They also failed to disclose/discuss with me about the XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt has not been verified, these creditors continue to call and harass myself and my family related to a debt that is not mine. They have provided my personal identification information to family members by using collection methods such as phone calls as well as letters. I would like for this debt to be removed from all three credit bureaus immediately for reporting a false debt as this is illegal and Ive already stated Im not the owner of this debt.
Product: Vehicle loan or lease

PENFED Credit Union Keeps Telling me I need to send them the title in there name Colorado is an ELT state and took the tile. I am not able to get the ELT as State said that is PenFeds Job now they raised my interest to 14 % and now I can not afford the car payment Should I Sue Them ..... I have called them many times in the last week and been told ok yep that is what we need and every time i call back it is not.. I have gone to XXXX and Called they did there job now PenFed Needs to due theirs is what i am being told..
Product: Mortgage

I applied for a loan modification through Flagstar bank on XXXX XXXX, 2016. I spoke with a representative at Flagstar bank in hopes of the underwriter granting my modification request due to my financial hardship. I have a serious XXXX and i do qualify for the XXXX XXXX HAMP program. On the phone call i spoke of earlier, i was notified by Flagstar that i would have a new servicer of my loan. I have not been provided sufficient details in writing about my loan modification request. Today, is XXXX XXXX, 2016. Flagstar has waisted four months denying my requests on XXXX occassions.
Product: Credit reporting, credit repair services, or other personal consumer reports

RENTRECOVERYSOLUTIONS Is reporting a credit balance to my account that does not belong to me. The amount is {$1700.00}. I have contacted the collection company and advised that the debit does not belong to me. Ive also sent in copies of my social security card and they refuse to remove the collection from my report.
Product: Checking or savings account

On XXXX XXXX, 2022, I placed a delivery order through XXXX from XXXX XXXX XXXX XXXX XXXX. The food that I received was incorrect, burnt and missing items. I did not get the dressing for my salad, my " cheese rolls '' were burnt black, the calzone was soaked in garlic butter, my pizza was supposed to half cheese, half veggie with no mushrooms, and it was all veggie and did indeed include mushrooms. There were two charges from XX/XX/XXXX, one for {$54.00} and one for {$9.00}. 

I contacted XXXX and they said that there was nothing that they could do. I contacted XXXX XXXX XXXX multiple times, and they have not returned my messages. 

I have photos of the food, my receipt from XXXX, and my chat conversation with XXXX that proves that I did not get what I ordered and that XXXX refused to do anything to make it right. 

I have now filed two disputes with my bank regarding the situation. They denied the first dispute, saying that they needed additional proof. I called and spoke with someone who resubmitted my dispute and emailed the requested documentation. They have denied my claim for the second time, citing that I did not return the food or let the food be picked up for return and that there was no explanation as to why the food was incorrect. I fully detailed what the problem was both in my phone calls and via the email that was sent to key bank. I also included supporting photos, showing that the company was not willing to do anything to correct the situation and also showing the incorrect food. I'm not sure what key Bank is talking about when they say that supporting documentation was not provided, because I was very clear on the issues and again, supplied photos corroborating my story.
Product: Mortgage

NewRez will not give me my $ XXXX of Loss Claims to pay my contractor so the contractors put a lien on my property. My credit score was over XXXX now it is in XXXX. I also cant pay my contractors.The work on my home is completestill they wont release my funds nor will they return my call.
Product: Checking or savings account

I opened a XXXX at 5.40 % on XX/XX/XXXX. It was set up to fund and they were going to take the money out of my XXXX XXXX XXXX account to fund this CD. I waited and looked for the deposit but it did not happen. I called them and we tryed this process several more times. Then on XX/XX/XXXX they told me to mail in a check to fund the account and gave me a po box to mail it to and told me to include the account number. I had called several times to see why they had not cashed my check the last time was on XX/XX/XXXX and I was told they still did not have the money to fund it. Then on XXXX they called me and said they could not deposit the check because the account was closed. At this point they said I would have to open another account and I requested the same rate. They said it had to go somewhere to get approval 7 to 10 days. I called them on XX/XX/XXXX because they cashed the check and I wanted to know where they put it since I don't have any accounts with them. Again the girl did not know and opened a case file. Then they called me back XXXX in the afternoon where I re-explained everything again to 3 other people, they called my bank and verified the check was cashed because they did not know where the money was. Now they filed another case file to ask the lost and found money department if they have the money and I am to wait another 7 to 10 days. This is just unacceptable. They don't even know where my money is at this point and I am just suppose to wait and see if they find it. This is terrible service and I told them I had the cancelled check and they didn't even ask for a copy of it. I feel someone should be helping me now and not making me wait and see for over a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$660.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my Barclays credit card account however they still billed the annual fee and in XX/XX/2021 they reported the annual fee 30 days past due in XXXX. 

My assistant went ahead and paid the annual fee because she saw the late bill and was concerned. 

I should have never been billed an annual fee and the late mark is invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. I have not received a response yet and it has been 45 days. Please remove these items that were originally disputed on the date above from my credit report.
Product: Credit card

Subject : Urgent Inquiry Regarding Credit Denial and Regulatory Compliance Opportunity to cure Dear American Express, I applied with my social and got denied regardless of my credit being denied. I believe there are aspects of this denial that raise questions regarding compliance with regulations set forth by the SEC, OCC, and FDIC. 

In reviewing American Express prospects dated XXXX XXXX XXXX I came across information in your own filing that emphasizes the extensive regulation and supervision under federal and state law. The disclosure highlights the broad enforcement powers held by banking regulatory authorities, including the FDIC, OCC, and CFPB, over American Express National Bank ( AENB ). 

Specifically, the filing states that federal bank regulatory authorities have the power to order the bank or its affiliates to rescind agreements, refuse to perform obligations, terminate activities, or take other actions if they find any unsafe or unsound practices or violations of laws, rules, regulations, or agreements. 

While I understand the necessity of regulatory oversight, it is crucial to ensure that such regulatory actions are applied fairly and justly. In light of the denial of my credit application, I am seeking clarification on how the decision aligns with the regulatory framework and whether any concerns raised by regulatory authorities influenced this outcome. 

Furthermore, I want to draw attention to the prospect 's statement that regulatory action could result in delays or reductions in payments to certificate holders. This raises additional questions about the potential impact on individual credit decisions. 

I am eager to resolve this matter amicably and seek your assistance in providing a detailed explanation of the factors contributing to the credit denial, ensuring alignment with regulatory requirements. Your prompt attention to this inquiry is appreciated. 

Thank you for your cooperation and understanding. 

Sincerely, XXXX XXXX, agent
Product: Credit reporting or other personal consumer reports

You have allowed the following unknown account to be reporting inaccurate and erroneous information on my credit file since inception to my credit file. ACCOUNT : XXXX XXXX XXXX XXXX XXXXXXXX. 15 U.S.C. 1681e ( b ), which requires credit reporting agencies and furnishers to maintain accurate and up-to-date information. Inconsistent Reporting of Date Last Activity. XXXX reports Date Last Active XX/XX/XXXX, XXXX XX/XX/XXXX, and Equifax XX/XX/XXXX. There has been no recent financial activity or payments on this account for the dates to be inconsistent and according to federal law this is ILLEGALLY re-aging of debt and you are allowing this company to continuously re-age this debt monthly. XXXX has since deleted this account when I brought their attention to these illegal reporting activities. Please follow suit and delete this account immediately. Federal laws supersede any corporation 's policies or procedures and protects consumers from unfair and abusive practices. It is economic abuse, defamation of character and is permeating my everyday life harming every aspect of my life and my wellbeing. I will be pursuing forward with litigation if this illegal activity continues and this account is not deleted immediately. Please see documentation for proof of identity, and proof of deletions and inaccurate reporting information.