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

I have consistently made my payments to XXXX XXXX on time and take my financial obligations seriously. However, Experian has reported an inaccurate late payment for XXXX XXXX on my account, which is both unfair and harmful. This false reporting violates 15 USC 1666b ( a ), which states payments can not be treated as late if received within the agreed timeframe. Furthermore, Experian 's failure to verify and accurately report this information constitutes a direct violation of 15 USC 1681e ( b ), which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy, and 15 USC 1681s-2 ( b ), which mandates furnishers to investigate and correct inaccurate information. Experians negligence also violates 15 USC 1681a ( 2 ), as it is obligated to ensure that only accurate and permissible information is reflected on my credit report. By failing to address this error, Experian is in willful noncompliance with 15 USC 1681n, exposing it to liability of {$1000.00} per violation, in addition to punitive damages for knowingly reporting false information. This negligence further breaches 15 USC 1681o, causing me undue stress, financial harm, and damage to my creditworthiness. This false late payment has significantly impacted my ability to secure loans critical for my personal and professional needs, including maintaining financial stability for myself and my family. Despite my flawless payment history, Experians inaccurate reporting is undermining my financial integrity and limiting opportunities. I demand that Experian immediately correct this inaccurate late payment to reflect PAID AS AGREED. If this is not resolved promptly, I will be left with no choice but to pursue legal action under federal law to protect my rights and seek compensation for the harm caused.
Product: Mortgage

I applied to refinance with Bank of America for my existing mortgage account.. I submitted my bank statements as requested which listed a refund from my XXXX XXXX XXXX. I also filed XXXX in XXXX  as my mortgage was not listed on my credit report. BOA request information regarding the credit from XXXX XXXX XXXX XXXX XXXX I provided the statement from the school showing this was a refund, provided 3 documents to this which listed this as a credit as well as the name of the school, they continued asking for a detailed summary. I asked the lioan officer and his assistant to clarify this was not done, they kept saying they will email the underwriter. I was told I needed to reaffirm the debt to XXXX XXXX XXXX XXXX for the mortgage account. I explained to the the mortgage for at the time of filing was XXXX XXXX I spoke with an attorney who asked me to ask them the reason they are requesting this. They still have not provided a reason other than this is what we require. XXXX XXXX XXXX XXXX where I have the mortgage advised they don't require a reaffirmation as they know most judges denay the request. I sent a complete payment history and they didn't accept it. I have wasted XXXX weeks on this and I am now looking at a higher interest rate because of this. No one is providinga a valid reason to have a consumer pay money to re-open a discharged case that may be denied on a closed account and that will extend the filing on my credit report.
Product: Credit reporting or other personal consumer reports

I have reached out to Experian and XXXX multiple times concerning the manner in which XXXX XXXX XXXX information is being presented on my credit report. This account indicates that it went into collections in XXXX of XXXX ; however, XXXX indicates that the last payment was made in XXXX of XXXX, while Experian states that the last payment was in XXXX of XXXX. I requested a comprehensive investigation and asked for sufficient evidence that the investigation was caried out. Despite this, I did not receive any communication regarding my dispute. It is evident that a thorough investigation could not have been completed as there are still several inaccuracies present on my credit report. According to the law, Experian and XXXX are obligated to ensure that they report information with the MAXIMUM POSSIBLE ACCURACY.
Product: Payday loan, title loan, or personal loan

Beginning of XXXX I took a loan out through XXXX XXXX for XXXX. My intention was to pay the loan back within the first week of XXXX. Hours are short in my line of work during the month of XXXX typically so I do not make as much. But I receive a bonus on XXXX, which was why I planned to pay the loan back quickly. Due to unforeseen circumstances I was unable to do so. At that point I continued to make the regular payments that were due through my contract with them. After a month or so of paying them quite a bit of money and receiving an email that my loan had not gone down by very much I decided to look closer at the details of the loan. My interest rate was 167 %! By end of XXXX I had paid approximate {$560.00} and my loan had gone down by about {$75.00}. Of course this is my mistake for not looking at the details beforehand. In my case, it was because I didn't plan on paying through the full length of the contract so at the time I felt the details were irrelevant. Again, my mistake. But regardless of those facts 167 % interest is outrageous! I attempted to call the XXXX XXXX location to discuss the matter and spoke with XXXX, the manager on duty. Where she informed me that she did not think that rate was unfair and it was actually one of the company 's lower interest rates. For a company who, for the most part, serves customers in financial duress, this practice seems unconciencable. They are taking advantage of people at a low point. For the record my payments have all been made on time and will continue to be. I just want to warn anyone in a time of need to please use any other options! You will dig yourself a hole with this company that is very hard to get out of. After my experience I was able to find other companies with much more reasonable interest rates. Do your research. Hope this helps someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Equifax send me an incorrect report that they REFUSE to correct. Confirmation # XXXX. 
1. I DO NOT want my social security and/or my date of birth to appear on my report ever!!! 
2. Remove all old addresses except my current : XXXX XXXX XXXX XXXX # XXXX XXXX, AZ XXXX. 
3. Update my payments for XXXX XXXX XX/XX/XXXX and XXXX XXXX on report and with all credit bureaus. 
4. REMOVE XXXX XXXX It says credit bureau dispute. I never authorized this dispute on XX/XX/2019. REMOVE AT ONCE!! Lacing my credit report with false entries is illegal-Federal law FCRA. 
5. Remove all old inquiries. 
6. Cease trashing my credit report. 
7. Remove my Equifax inquiries. Equifax causes these inquiries for their incompetence. This is illegal too. Cease!! 
8. Send me an updated credit report today.
Product: Checking or savings account

I came prepared to the citizens bank to open an account and the bank refused. They were advised by my parent no to open my account. She has a personal relationship with them. They said theyd send me a letter in ten days and they didnt. In fact, they sent me a letter stating that they couldnt wait to do business with me but XXXX ; the bank manager had already advised me to close out my account. Now they are trying to charge me for a device that has never been used and they are not allowing me to return it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items 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 bureaus are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX  XXXX, GA XXXX, XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX XXXX Balance : {$700.00}, XXXX XXXX XXXX Balance : {$1200.00}, XXXX XXXX Balance XXXX {$4600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$26000.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX OF XXXX XX/XX/XXXX, XXXX XXXX Bankruptcy XXXX Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Mortgage

To whom it may concern, I applied for a modification and was approved stating that a response must be received by XX/XX/2018. I was put on a trial payment plan which is {$1000.00} for three months. I asked that after the three months would my mortgage then drop to a lower payment, and I was told no it would remain the same. I have a hardship, and I am trying to keep my house out of foreclosure, so if you can help me I would be most grateful. I am on a budget and I can't pay this amount.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, XXXX. I have been asking the 3 Credit Bureau to correct my personal information since XX/XX/XXXX, XXXX.They have not correct my name, phone number and social security number. I have already file another dispute on XX/XX/2020 asking them to update my personal information which has not happened. I have spoken to several representatives within the last two months and I have not received correction on the update on my information. I have sent them the requested information they asked for, and they continue to ignore me. I also, have XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX on my credit report that is not mine. They continue tell me they have update my credit report but the information is still the same. 
I have spoken to several customer service representatives to correct the problem with my name, address, phone and social security that is continually been reported inaccurately. 
I spoke to XXXX XX/XX/2020 XXXX who assure me that the correction would be made on my credit report, name, phone number, social security, and the lock would be removed from my Experian Report. On all 3 credit is a lock saying " Multiple Matches Found '',  check demographics information. All 3 Credit Bureaus say they have removed the Fraud Alter but I am still not able to access my accounts. They continue tell me they have update my credit report but the information is he same.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX FIFTH THIRD BANK NA XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CO XX/XX/XXXX
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. 
XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I realized that my Coinbase Pro account had been temporarily disabled. 

The same day I contacted their Support Center explaining that I was unable to access my account, and Case # XXXX was opened. 

Later I received a reply email in which I was informed that my case had been trasnferred to a specialist who would be able to help me with the issue. 

On XX/XX/2019 I received an email from coinbase in which I was informed of the closure of my account, due to alleged violations of the terms of service. In the same email I was invited to access the account to withdraw the remaining funds and complete the closure. 

On XX/XX/2019 and XX/XX/2019 I sent two emails to Coinbase asking for more details on the reasons for closing the account and, above all, asking for their help so that I was given the opportunity to withdraw the remaining funds. 

The amount of funds I can not withdraw is around EUR 15000, divided between BTC, ETH and EUR. 

To date, my requests have remained unanswered and it is still impossible for me to withdraw my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a copy of my identity theft report, I was inquiring in regards to purchasing a home in XX/XX/2018 and reviewed my credit to file accounts that were not for me, inquires and a address that did not belong to me. I had a fraud alert placed on the credit report, but the accounts have not been removed within the 5 business days, as stated in the FCRA terms. As set forth by the Federal governing body. This has harmed my ability to complete the purchase of my home and has cause major stress and a financial hardship for me. Due to the fact that it, effects my ability to get approved for a home loan, the payment and interest rate, in addition to the fact the the current market is on a upswing and the purchase price of homes are increasing and my ability to purchase a home and gain increased value from a equity position.
Product: Checking or savings account

I was opted into the OOPS plan with Navy Federal Credit Union towards the end of XX/XX/year>. I received a letter on XX/XX/year> stating Im currently in the OOPS plan. I received the first overdrive protection fee of {$20.00} on XX/XX/year>. The second {$20.00} overdraft protection fee was received on XX/XX/year>. And the most recent {$20.00} overdrive protection fee was received on XX/XX/year>. To my understanding the point of the OOPS program is so that I am not hit with any overdraft fees.
Product: Mortgage

XXXX XXXX continues to skirt around the CFBP RESPA guidelines we all have to adhere to. We have been extorted by there vendor program for years and now they are blatantly incentivizing agents to refer buyers to Keller Mortgage. Offering profit sharing bonuses, discounts to customers and not disclosing an affiliated relationship. 

This is illegal yet it seems there is no recourse. Why is it that the rest of us lenders have to follow the rules but Keller is not only allowed but incentivized to steer customers and illuminate options for consumers?
Product: Debt collection

My complaint is in regards to us bank home mortgage. I receive calls daily about my account being past due. Although I have never hit the 30 day late mark in the life of my mortgage. Representitives will call and refuse to identify themselves and hang up when questioned. Then call back later. I have spoken to 2 reps in the last 2 days and explained that I feel harrassed and there is no need to call me on my cell phone during my work hours because it jeprodises my job and my sanity and incurrs charges from my cell phone carrier. They will only say " you can submitt your request in writing and wont go past that. I have requested to speak to a manager to no avail and they do not take complaints on their own employees. Furthermore the reason I am perpetually late on my payments is because they are unwilling to adapt my payment due date and insist there is nothing that they can do. So on a monthly basis my credit is damaged although my payments are made no more that 30 days apart and allways have been. In semation I explained that these calls and their nature made me feel harrassed. I offered a valid time for communication between us bank and myself which is on sunday between XXXX amd XXXX. I offered in good faith to set up automatic withdrawals if they will stop damaging my credit and they refused. The reps are rude, then after sent my account immidiatly to loss mitigation in my view as a further insult to me. In no way have the calls been in compliance with the fdcpa or even moral value. The most recent calls were XX/XX/XXXX and XXXX 2017
Product: Credit reporting or other personal consumer reports

RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX  and Federal Trade Commission. 
1. Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account is in violation and not reporting accurate XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account is in violation and not reporting accurate XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account is in violation and not reporting accurate XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
Sincerely, XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : State Senate CC : Federal Deposit Insurance Corporation CC : Controller of the Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory Agency Please see the attached file.
Product: Credit reporting or other personal consumer reports

They have the wrong Ssi number addresses wrong account balances wrong repeated inquiries for the same places like 6-7 times
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to correct this problem. All three credit reporting companies are reporting a late status on the XXXX account on my credit report. The first inaccurateness is it was never late. Secondly each one is report a different month in which it was late. 
XXXX-Account numberXXXX, XXXX XXXX XXXX  ( XXXX XXXX XXXX ) , has it marked late in XX/XX/XXXX XXXX-Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has it marked late XXXX XX/XX/XXXX Equifax-Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) has it marked late in XX/XX/XXXX, but on Annual Credit Report XXXX has it late as 0 times ( see attachment ). I have given documentation of the inaccurate reporting and the credit bureaus have still refused to follow guidelines set forth by FCRA and update the inaccurate information. 

I have also attempted to get in contact with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) per email ( request XXXX ) several times ; the last one being on XX/XX/XXXX requesting verification of the date when said late payment was deposited into their bank account ; ie a copy of your bank statement showing the date of deposit. I informed them If could not provide me with the documentation requested to validate said late payment then I requested the company remove the one late payment and update it as current. I finally got a response from XXXX on XX/XX/XXXX stating they are working on the issue after I contacted them again. As of today ' date, XXXX XXXX, I still have not heard from the company or received validation. 
I feel the credit bureaus and XXXX XXXX XXXX ( XXXX XXXX XXXX ) have not complied with FCRA laws in reference to this one late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one has violated my rights by adding a late payment to my report 15 U.S.C. 1681 section 602 says " I have the right to Privacy 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am kindly seeking the CFPB help in getting these disputes resolved. Because your service as been great in the past, so thank you in advance. XXXX and TransUnion has created more financial hardship for me eversince I ask them to properly investigate the errors they reported on some closed accounts. But XXXX responded through email totally disregarding the method I used originally to contact them through mail and not providing the information I requested. There are four ( 4 ) closed accounts XXXX account # XXXX, date opened XX/XX/XXXX. XXXX account # XXXX, date opened XX/XX/XXXX. XXXX account # XXXX, date opened XX/XX/XXXX. And XXXX XXXX account # XXXX date opened XX/XX/XXXX, all have wrong credit limits with each credit bureau, the debt balances were only listed once and there was no full creditor information or current inquiries matching these accounts. which were closed because I wasn't responsible for them. XXXX conceded to the request and removed those negative accounts I listed before with any friction, so I don't understand why XXXX and TransUnion can't follow suit.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I see inaccurate credit reporting on the payment status. I contacted NELNET LOAN SERVICES in XX/XX/2024. The company stated that they didn't have any late payments listed. The errors on my credit report are violation my rights as a consumer under Section 15 USC 1666B. 

Account numbers that are incorrectly reporting : XXXX XXXX XXXX