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

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( XXXX plus ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) The date of last activity on this account was on XX/XX/XXXX. It would be impossible to be late on an account where no payments have been made since XXXX. Also, there is a new reporting date of XX/XX/XXXX. It is a violation of the Fair Credit Reporting Act to re-age an account and change the account number to report as current. The FCRA is mandated to report accurate account information on a credit report. This false reporting of a chargeoff account with lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX date presented to me by my university ( XXXX XXXX University ) was XX/XX/XXXX. I knew that a grace period is granted after graduation to being repayment of the loan. On XX/XX/XXXX I logged on to the Nelnet portal to make the first payment on my student loans only to find that it said my account was past due {$370.00}. I immediately made payment of this amount, then Nelnet reported to my credit report that I was 90-119 past due on my payment. I wanted to dispute this late payment report from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX 15 USC 1681 Section 602 states I have the right to privacy.It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end credit plan as late for and purpose.
Product: Credit card or prepaid card

On XX/XX/XXXX, I went to my local credit union to take out a personal loan to avoid interest on my Wells Fargo credit card. The interest was to begin on the XXXX of XXXX. We finalized the loan on the XXXX of XXXX and had the letter sent to Wells Fargo, which was to be there over night. The amount to Wells Fargo was {$3200.00}, to bring my account to a {$0.00} balance. 

I spoke with an associate at Wells Fargo on XX/XX/XXXX, who said that my letter was sent to the wrong building at Wells Fargo, and that in forwarding the letter with the personal loan check would not be deposited in time. Thus I am stuck with the remaining {$1500.00} in interest because of a problem on their behalf. 

I called back and spoke with a manager named XXXX, whom said a record didn't exist of me calling previously and the letter with my check was just late. Also he said they could take off {$300.00} of the interest, but since it was my fault I am stuck with the remainder. 

Because of a mistake they made, I am now stuck with a personal loan of {$3200.00}, and interest to Wells Fargo of {$1500.00}. This is unacceptable and no one at Wells Fargo wants to assist me.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX  XXXX regarding their failure to address and investigate inaccuracies in reporting on my Equifax credit report. On XX/XX/year>, I sent a dispute letter to XXXX XXXX XXXX  XXXX, requesting an investigation into the inaccurate reporting of an account that appears on my Equifax credit report. 

The account in question was included in a Bankruptcy Discharge and should not be reporting negatively. Despite all payments being made on time for the past two years according to my payment history across all three credit bureaus, XXXX XXXX XXXX XXXXXXXX has failed to update the reporting on my Equifax credit report accordingly. 

In my dispute letter, I specifically requested XXXX XXXXXXXX XXXX XXXXXXXX to provide detailed information about the account, including the type of account, scheduled payment amount, credit limit, high balance, date of last payment, payment status, and date of account closure. However, I have not received any response from XXXX XXXXXXXX XXXX XXXX. 

Their refusal to investigate this account and provide the requested information is a clear violation of the Fair Credit Reporting Act ( FCRA ). Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports and expect prompt investigation and resolution from the credit reporting agencies and the furnishing institutions. 

Therefore, I am requesting the CFPB to intervene in this matter, conduct a thorough investigation into XXXX XXXXXXXX XXXX XXXXXXXX 's handling of my dispute, and take appropriate action to ensure compliance with the FCRA. I urge the CFPB to hold XXXX XXXXXXXX XXXX XXXX  accountable for their failure to investigate and correct the inaccuracies in reporting on my Equifax credit report.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX  The only names that should be on my file is XXXX XXXX or XXXX XXXX The only address is my home of 10 plus years XXXX XXXX XXXX XXXX MI and XXXX XXXX XXXX XXXX XXXX mi XXXX. My Identity was stolen still trying to put it all together I made a report with my local PD and and frozen all my credit reports and taking the next steps with my local PD
Product: Debt collection

I had a XXXX  that needed repair. I was told I would only have to pay under XXXX out of pocket. The dentist that first worked on my tooth messed it up and after 5 appointments they finished the tooth but it is still not correct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The dentist at XXXX that first worked on it five times who I paid over XXXX dollars to, said I owed an additional XXXX and added over XXXX dollars because I did not pay the additionally XXXX dollars that I did not know about right away. 

First they gave me a print out and I have to pay the fees that insurance did not cover out of pocket which I did. Then they added extra hidden fees and after I was told added additional hidden fees after the fact and sent it to collections. 

Based on their reviews this is a common tactic that they do at XXXXXXXX XXXX
Product: Debt collection

This debt is not mine please see the attached FTC report. I have no knowledge of this account nor have I been to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXXXXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX OR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX
Product: Checking or savings account

I had XXXX checking accounts with U.S. Bank, XXXX that was about a year or XXXX old, ending in XXXX and a newer one I made ending in XXXX. In XXXX of XXXX, I rightfully disputed a set of transactions with U.S. Bank for account ending in XXXX. Instead of adhering to the standard dispute procedure, on XX/XX/2023, U.S. Bank unreasonably and without any warning, froze my account access and later mailed me a letter saying that they are closing my account due to " suspected fraud '' and that if there are any funds remaining in the account after the completion of any pending processes, investigations, possible potential fees, etc. those funds will be mailed to me via a cashier 's check. This did in fact occur and I received that check in XXXX. My newer account however, ending in XXXX, remained open and functioning normal. There was never any mention in any of the letters or my conversations with U.S. Bank representatives that in fact they intended on barring me from being a U.S. Bank customer entirely for reasons they can not or will not disclose to me. Instead of being competent and thorough and closing my other account ending in XXXX as one would expect given the circumstance and corporate decision, that account remained open and active and even continued to be able to receive deposits that I regretfully continued to make. All of a sudden, over a month after the account ending in XXXX was shut down, the account ending in XXXX was shut down, leaving over {$900.00} in it. The first account was closed for nothing more than me apparently just losing the dispute that i filed and now this account, was simply only closed because the bank decided they didn't want to have me as a customer any more. I spoke with bank reps, over the phone and physically at my local branch, who told me to obviously expect this newer account to follow the same closure process and that I can expect a cashier 's check with the funds remaining in it to be mailed before the end of XXXX. I waited all the way until XXXX to begin inquiring on what the hold up was. I was able to find out that now that account only has a remaining balance of {$270.00}, even though the last time I had access to it it was over {$900.00}, and that those remaining {$270.00} will not be mailed to me. That the bank has simply decided to continue to holding on to those funds for no feasible reason, held XXXX in something they call a " GL '' account and in a brank that's in XXXX, even though all mty banking with them has always been in my home state of XXXX.
Product: Debt collection

Am not aware of this company I C system blance is {$350.00} open XX/XX/2019 2019
Product: Credit reporting or other personal consumer reports

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

Account Information : Creditor 's Name XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on time, which falls within XXXX 's 15-day grace period. Therefore, the account should not have been reported as 30 days late.

System processing error : I submitted my payment through the XXXX account portal. However, due to a system delay, the payment was not processed until after the due date, even though it was submitted on time. I was not notified of this delay until after the reporting of the late payment. 
Evidence provided : I have attached bank statements and payment confirmation emails showing that the payments were made on time, demonstrating that the late payments were caused by a processing error and not a failure to pay. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

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

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

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

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

I noticed on my credit report alerts from chase that someone opened 4 credit cards under my name and with my personal information. In XXXX i started receiving these " alerts about past due balance '', " it looks like your using your credit '' and " you credit card balance went up '' which was really weird. My credit score went from XXXX to XXXX in two to three weeks. 

My XXXX  credit report shows the following : Kovo INC shows balance {$240.00} oppened on XX/XX/23.
Product: Debt collection

XXXX reported a collection attempt for {$720.00} from XXXX XXXX in Texas ( through XXXX XXXX ) I live in Florida and this account does not belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, I'm seeking your guidance for a concern with one of the three consumer reporting credit agencies, Experian. 

I have my credit frozen with Experian. I paid for their service, I kept the correct PIN and login. For no reason, when I went to un-freeze my credit yesterday, they say they need more proof to un-freeze my account. This despite having all the required information. 

What's worse, FAR WORSE, they are demanding I send a copy of my social security card, copy of driver 's license and another bill... .in the mail! Just handing over my identity to the mail. NO WAY! 

There's no customer service number, no contact, no help. You literally can't call. 

This is not right. They are demanding you put your identity at risk, and offer no alternate means or even means of contact. And for no reason, I had all the required information for a service I paid for. 

This is not right and that company needs regulation. And we, the consumer, are stuck with them. 

*I should be able to access my information if my login is correct. 

*They should have a real customer service number. 

*In no way should I ever be asked to mail my social security number and ID in the mail. They should have secure, electronic means to do this. 

I'm asking for your help addressing this. Thank you.
Product: Mortgage

My mortgage is serviced by M & T bank. On XX/XX/XXXX I set up automatic direct deposit for my payments. They claimed to have sent me a letter on XX/XX/XXXX stating that the direct deposit was would deposit XX/XX/XXXX instead of the Mortgage payment due date of XX/XX/XXXX. I did not receive this letter. I contacted the bank on XX/XX/XXXX via email and then by phone as I was confused about the payment process. I was directed to their servicing department. I was told everything was ok. Eventually in XXXX I received a phone call asking me to contact M & T bank. They stated I was behind on my mortgage payments. They said that they had not received payment. I disputed the credit report and paid my mortgage that day. They denied my request to amend my credit report. They stated that they sent a letter to me stating this which I did not get. They also said the website clearly states when the payment is due. It is actually confusing and I called to make sure everything was set up correctly. They gave me the wrong information. When confronted with this the supervisor says " I cant speak to this ''. However, they should have record of the conversation.They also stated that they called me to contact me about my late payment. I did not receive a single notification via mail, email or phone about my late payment and they had the wrong phone number on file. I have attached phone records indicating I received no phone calls and email records indicating I recieved no emails about my late payments. In addition I received no letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the entire year of the dates of service from XXXX XXXX XXXX XXXX, I was receiving daycare vouchers from the state of Alaska. Those vouchers were sent directly to them, from my caseworker at the time. Her name was XXXX XXXX. 

When approached to pay the amount by XXXX XXXX XXXXXXXX XXXX, they informed me they hadn't received my payment. I told them that the payment had been arranged through my case worker, prior to the kids coming. They said they would contact office. The next time they asked, they asked me to pay it and then if payment came from state they would reimburse me. By this time, it was 2 months worth so I informed them I could not pay, but I could pay in installments, if it would keep the kids in daycare while they sorted out the vouchers. 

They declined my payment attempts, and said the kids could no longer attend until balance paid. 

I contacted my caseworker again, who stated she had already submitted payment to XXXX XXXX XXXX XXXX for the amounts owed. 

I've asked to have an invoice or listing of months that were submitted for payment from XXXX XXXX XXXX XXXX to my case worker. ( Which months did you send the bill to the state for? ) Or did they never submit for payment? 

In order to know which charges are due, I need to know which months were paid from vouchers from the state. 

Please advise a break down of accounts, and payments that were paid by both myself and through the daycare assistance voucher through the state.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey. I was looking over my credit report and i have no idea where some of these inquires came from. Before making this report i took time to contact each company separately and neither one could give me information on where this inquiry came from. The only course of action they gave me was to file a report with you guys or call the credit bureaus. I'm asking that you please remove these inquires that i did not authorize.
Product: Bank account or service

US Bank recently cancelled the free night award bonus which was a benefit of their club carlson credit card. I had renew my annual membership with them for this card solely for this benefit feature. US bank did not communicate clearly with me that the benefit had changed. Instead they added a small notification in my monthly statement to notify that this benefit was set to expire XXXX XXXX. I feel I was misled by US Bank as they advertized at the time I renew my membership unlimited free bonus award for any nights booked with points. my family do a large part of our banking with US bank and are not considering other options.
Product: Mortgage

I recently refinanced my mortgage with XXXX who paid off my Sierra Pacific Mortgage on XX/XX/2019. Unfortunately, I did not remove my ACH so my usual mortgage payment of {$1600.00} was also withdrawn. On XX/XX/2019 I called Sierra Pacific Mortgage at XXXX XXXX. and spoke to XXXX and requested that they reverse the ACH. She told me that they would try to do that, but if anything I would receive a refund within 5-10 business daysbut that it would be closer to 3 days, since it is just a refund/overpayment. I also emailed XXXX to reverse the ACH also and per Sierra Pacifics request, I emailed the proof that the payment was withdrawn from my account. I never received my refund but I did receive a letter dated XX/XX/2019, that my refund would be made within ten business days. I just called today, XX/XX/2019 and I asked to find out when my refund was made and I was told by XXXX that the refund has not been made yet. This is MY money for an overpaymentthere is no reason why I do not already have these funds. They know that my account was paid in full and they put those funds in unapplied funds. This is terrible, I will never do business with Sierra Pacific again and they need to overnight MY money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had continual problems with a XXXX XXXX credit card I am a co-signor on. I have filed numerous complaints over the last few years relating to the identical issues. 
1. XXXX XXXX reports inaccurate information 2. XXXX XXXX again has reported inaccurate information on my credit report 3. XXXX XXXX does not respond timely to my complaints 4. XXXX XXXX has admitted to errors in the past but still does not correct these errors 5. I have documents factual proof from past issues and this current problem Current and newest problem : Requesting an EXPEDITED Resolution for the following reasons : -XXXX XXXX has reported a credit card in my name as ( 30 ) days Late for XX/XX/XXXX - I have irrefutable proof XXXX XXXX reported the above account as late inaccurately attached is a copy of my XXXX credit report from XX/XX/XXXX and a copy of my XXXX XXXX statement dated XX/XX/XXXX showing a balance of {$120.00} and paid on time, NOT {$4700.00} - XX/XX/XXXX event reports the date of last update as XX/XX/XXXX THIS IS MORE PROOF OF XXXX XXXX CONTINUALLY MAKING ERRORS
Product: Money transfer, virtual currency, or money service

I have had my accounts linked to my XXXX account and XXXX account. Now I am being told that pnc will no longer allow this connection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account showing on my Experian credit report from XXXX XXXX XXXX, Account XXXX - which supposedly originate as debt with XXXX XXXX XXXX for approximately {$1500.00} for which I have no knowledge. I live in XXXX, this is debt from Arizona or Nevada. I have never had this debt, I have never been contacted by the collection agency nor the creditor ( so they obviously do not have my correct contact information ). This collection account was immediately removed from my XXXX and XXXX reports after disputing, but Experian says it is valid and will not remove it. I have no supporting documentation since I have no knowledge of the accounts, and I am NOT going to contact the collection agency for an account which is not mine. I was told my ONLY option with Experian is to continue to dispute, but I have not additional facts to provide. I have nearly perfect credit ( XXXX  score of XXXX ). This is not mine and I want it removed. My initial dispute that was rejected was Experian # XXXX. I did go ahead and file an additional dispute. I want this removed from my report NOW. What are my options??