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

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX 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 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 those accounts 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 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: Mortgage

We had went through the loan process to obtain a home through Mortgage solutions of Colorado. We had a pre-approval of {$350000.00} in XXXXXXXX XXXX  XXXX. I had a guarantee that this company would get me into my home. We began looking for a home. We had found a home and going through the process of obtaining it. I had put down the earnest money for it and everything else. Finally it came to a few days before closing. The closing date kept changing because the underwriters kept wanting documents and statements regarding items on my credit report. I had made everything current that they had asked for such as my credit card and another loan. I even went through the process to allow them to talk to my creditors and prove I was current. The day we were supposed to close they denied me because even though I made current on my credit card and proved it, it still showed I was late on it. Now they have left a veteran and his family XXXX  and have not made any attempts to fix the situation by giving the monies back that way paid into it. It has been 48 hours since the phone call denial and after numerous attempts to get documentation of the denial, they have yet to send it to me or my realtor. They left our family XXXX  and they left the sellers XXXX  because the sellers moved out and were living in a hotel until I was able to close so they can get their home. I had asked for the denial letter numerous times so I can proceed with further legal action if possible. I have tried to obtain contact information so I can speak to the President but no one is willing to give it out. No one has since contacted us or anything since my denial to see how my family was doing or try to find a way to fix the situation. Keep in mind this was all over a credit card that was showing late on my report even after varifying current status. In the state of North Carolina it is illegal for the lender to guarantee me a home all the way up to closing and then deny me the day of closing. I feel like I was scammed just so this company can make money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor told me this account was paid in full and should be taken off my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

1st Complaint In reference to the XXXX XXXX XXXX XXXX  ( Collection Agency ) correspondence dated XX/XX/XXXX. Please be advised that I would like to officially file a complaint against Synchrony ( lender ) and XXXX XXXX XXXX XXXX for the improper handling of my account with XXXX XXXX issued by Synchrony ending in XXXX. 

on XX/XX/XXXX I applied for an XXXX XXXX Credit Card at their store in XXXX, NC. Since the date I submitted the application I never received any statements or any type of correspondence until XX/XX/XXXX when I harassed by a collection agency about an outstanding debt that transferred to collection. I had to contact the XXXX on the card and they confirmed the status of the account and by way of conversation I found out that I owed {$34.00} from the date of application that accrued interest and late fees of {$140.00}, but more importantly damaging my credit history due to the negligence on XXXX XXXX as well Synchrony Part. They didnt have a good address for me therefore I never received any correspondence. They told me on the phone they tried to contact me via email which obviously was captured by spam therefore I never received a monthly statement or any other method of notification of a payment due. 


2nd complaint Privacy breach. 

For a whole year my info has been sent to someone somewhere which comes with the risk of identity theft. It seems like that is not a one off situation since I was mailed a JC Penny statement in the name of XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX NY XXXX.
Product: Checking or savings account

I was traveling outside the country, while working for the Gov't for 6 months or so. When I came home I noticed a massive fraud. Originally Chase only credited me {$3100.00} for the fraud, which they had they reversed which is a total crime. Outside the {$3100.00}, the fraud was massive. All of the following transactions were fraud, in addition to the {$3100.00}. 
ATM Withdrawals : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Also there were the following wires : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Four people have been arrested and charged with credit card fraud and grand larceny, by the XXXX. They were apart of an very organized group. It wasn't only myself who was robbed, it was a massive criminal enterprise. I have told Chase, sent them the police report. The story was even in the XXXX XXXX. They are aware of all this and still haven't given me my money back, even though I paid for protection against fraud and have been a customer for 30 years without an issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint against Experian for its refusal to address my disputes regarding unauthorized hard inquiries on my credit file. I have made multiple attempts to resolve these issues directly with Experian, but the company has failed to comply with the Fair Credit Reporting Act ( FCRA ) by not investigating or taking appropriate action in a timely manner. 

I recently became aware of the CFPBs lawsuit against Experian, filed on XXXX XXXX XXXX, which alleges that Experian has engaged in unlawful practices, including failing to reasonably investigate consumer disputes regarding information in their reports. My personal experience aligns with these allegations and highlights the detrimental impact of Experians practices on consumers like me. 

Specifically, my concerns are as follows : Unauthorized Hard Inquiries : My credit report includes hard inquiries that I did not authorize, which I have repeatedly disputed with Experian. Despite providing supporting documentation, Experian has refused to remove these inquiries. 
Failure to Resolve Disputes : Experians refusal to investigate or act on my disputes has resulted in significant challenges to my financial well-being.

Experians lack of action has caused me significant financial and emotional distress, including difficulty obtaining credit on fair terms. This neglect and noncompliance with the FCRA are consistent with the patterns of misconduct described in the CFPBs recent legal action. 

I am requesting that the CFPB : Investigate Experians failure to address the unauthorized hard inquiries on my credit report. 
Ensure Experian complies with its legal obligations under the FCRA to promptly investigate and resolve consumer disputes. 
Take further enforcement action if Experians practices are found to continue violating consumer rights. 

Thank you for your attention to this matter. I trust that the CFPB will take appropriate action to protect consumers like me from Experians harmful and unlawful practices. 

Sincerely, [ Your Full Name ] [ Your Signature, if sending a hard copy ]
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : 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 XXXXXXXX  - XX/XX/XXXX Personal Information : XXXX XXXX XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Address XXXX XXXX XXXX XXXX - Incorrect Previous Address XXXX - Incorrect Date of Birth
Product: Mortgage

Our loan was bought from one bank to another. The amount on mortgage balance does not match up with the amortization schedule. We should owe around XXXX and they are saying XXXX. 

They also told us that a loan modification was mandatory because they require to have a escrow account. They told us that nothing would change not the rate not the term and not the amount. 

We have made every payment. They are saying we have never made a payment to this new loan mod which is correct but we still pay to the original loan. 

I only have 10yrs on my original loan but this modification added 30 yrs with a total of 40 yrs until loan matures I also had damage in the hurricane Irma. I have lost my roofer because they would not release any funds to pay roofer. The roof project has to start over because of materials in the sun for 2years that are not supposed to be exposed. 


The only way I found out about this is they filed a foreclosure suit. I also have a Leon from the roofer
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment showing on my credit report that doesn't below to me. XXXX   XXXX authorized User account XXXX. This is a closed account that I am not financially responsible for please remove the negative item immediately. 
My name is XXXX XXXX SS XXXX DOB XXXX please remove the late payment from my credit report. I am no longer on that account!
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX : Account XXXX : Balance : {$710.00} Account Name : XXXX  XXXX : Account Number : XXXX : Balance : {$310.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$160.00} Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX : Account Number : XXXX : XXXX : {$780.00} Account Name XXXX XXXX XXXX  : Account XXXX : Balance : {$470.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$0.00} Account Name XXXX XXXX XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$430.00} Account Name XXXX XXXX XXXX : Account Number : XXXX : Balance : {$780.00} Account Name XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$3100.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$1300.00} Account Name : XXXX XXXX XXXX  : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$1700.00} Account Name : XXXX XXXX  : Account XXXX XXXX XXXX ****** : Balance : {$4600.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$600.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXXXXXX 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 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

XXXX account XXXX is reporting wrong on my credit report my account is paid in full as of XX/XX/year> under the law fcra is must be accurate! its showing i owe XXXX XXXX, WICH IS NOT ACCURATE I ONLY OWE XXXX XXXX AFTER MYLOANS WAS CONSOLIDATION THIS DEBT RATIO IS HURTING MY CREDIT I NEED ALL INFORMATION ACCURATE ON MY REPORT BY LAW IT MUST BE ACCURATE!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 or other personal consumer reports

JPMCB CARD SERVICES XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX In accordance with the Fair Credit Reporting act, the list of the accounts below has violated my federally protect consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] : No consumer reporting agency my 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.

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( A ) Reporting information with actual knowledge of errors. 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.

Delete the accounts below
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I shopped at XXXX XXXX  located @ XXXX XXXX XXXX XXXX, XXXX, WA for bedrooms sets. We were greeted by a polite individual by the name of XXXX who kindly showed us sets of interest. After choosing 2 different sets, and a full size, and standard king, XXXX sat me down at a work station, and advised my total purchase was {$3100.00}. XXXX stated they had in house financing available, and asked for personal information to plug into his computer. After providing him with my ssn, birthdate, ect, he stated I was approved for financing of {$3500.00} to cover the sets I chose. XXXX stated the Financing was through XXXX XXXX. XXXX also stated American First Finance was offering a 90 day interest free deal if the loan is paid within 90 days. 
My bedroom sets were scheduled for delivery in XX/XX/2022. Per XXXX, weekly payments of {$92.00} would not begin until the furniture had been delivered. Never once during my visit in the store was I made aware of the interest rates associated with this loan. It was after my visit to the furniture store, I was emailed loan documents directly from American First Finance which reflected a shocking 148 % interest rate. If not paid within 90 days, the total cost of the loan would be well over $ XXXX. Too date, I have paid American First Finance almost {$3200.00}, and according to their website, I still owe {$3000.00}. I feel like this loan is extremely predatory, and consumers should be made aware of the interest rates, and repercussions of not paying within 90 days, prior to signing the loan. American First Finance should be contacting unknowing consumers to confirm they understand responsibilities.
Product: Payday loan, title loan, or personal loan

I mailed two certified draft checks from XXXX XXXX on XX/XX/2023 and PayPal still has updated my file.My credit report and available balance was not updated. I reached out to PayPal several times on the phone and chat. The representative told me in the chat that to refresh screen and would available. I called talked to a XXXX on the phone asked to speak to the corporate office team to file a complaint he stated couldnt do that. I explained to him about the California law a verbal agreement is the same as contractual agreement. The check cleared from XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : 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
Product: Money transfer, virtual currency, or money service

I was notified by WELLS FARGO that I could no longer use the XXXX feature to transfer funds because I had violated XXXX 's terms and conditions. When I asked for specifics, I was told to contact XXXX for information about why I was denied service. I was told by XXXX that it was my bank 's decision. In a subsequent call to WELLS FARGO, I was told a third party initiated the denial. I was given the name of XXXX XXXX XXXX and a contact phone number. During my contact with XXXX XXXX XXXX, I was transferred to XXXX for assistance. 

All I want to know is what XXXX terms and conditions I violated- what did I do wrong, so I don't do it again.
Product: Checking or savings account

I took an online survey from my email XX/XX/22 and it started I could get free skin care products just pay shipping of {$4.00}. And you got two bottles of cream that was it. The company charged me {$88.00} to enroll in a program that was never stated in the advertisement nor any of the emails I was sent. I told the bank it was a fraudulent charge I never agreed to pay them for one bottles XXXX and XXXX for the second one total amount of {$160.00} I called the company many times they never picked up the phone sent me a email saying sorry we didnt get back to you