23daVinci/CFPB_Complaints huggingface dataset:
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 Experian 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 XXXXXXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXXXXXX. 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 on Time : According to my records, the payment in question was made on time. Attached, I have included my bank statements showing that the payment was processed and cleared before the due date. 
Clerical Error : It appears there may have been a clerical error in how the payment was recorded by the creditor. I have verified the payment confirmation from my online banking records, which shows the payment date and the amount, indicating the account was paid in full on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian 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 XXXX, 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
Product: Payday loan, title loan, or personal loan

Regional Finance Company, which does have a local branch but is a " nation-wide '' company, sent a check to a property that is owned by my family with my name on it - I did not request the loan, or a check to be mailed to me, and did not authorize any type of credit pull, or new loan account to be opened or initiated. 

I received a notification on my Credit Report that a NEW account had been opened on XX/XX/XXXX with RFC - Regional Finance. I tried to call on FRIDAY XX/XX/XXXX but reached them after hours, so I called them today. 

After I inquired about the loan and the credit report inquiry, they informed me that someone had cashed a check with my name on it on XX/XX/XXXX. I advised them that NOBODY in my family or that lives at the house cashed the check, and I did NOT cash the check myself, and they acted dumb with me... 

I have a strong feeling that someone came by house and went thru my mail and fraudulently cashed the check, as my Texas State Drivers License was " lost in the mail '' in XXXX, and now I am having fraud... 

I have been working on my Credit Score for the last 18 months, paying down debts and keeping my credit utilization rate as low as possible, while making 100 % on-time payments. I have worked really hard to increase my credit, and now I am hoping this does NOT ruin my credit... 


I was told by my father to report this, if you have any questions, my cell # is XXXX. 


Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing complaint has been filed to request pursuant to FCRA s 605b ( 15 U.S.C s 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent and false information consists of the following auto loan account XXXX XXXX XXXX / XXXX I do not recognize the above mention account and collection as reported. The mention account and collection appeared on my consumer. Credit report maintained by you were not opened, made or intended by me. The above account mention is a result of identity, theft, and fraud. I have attached a copy of the FTC identity, theft report as proof of the US federal trade commission that the mention account and collection are the results of identity, death and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately. 

I am a XXXX XXXX XXXX XXXX. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of XXXX XXXX.
Product: Credit card

On XX/XX/XXXX I used a 0 % APR balance transfer offer from Chase. I transferred {$2700.00} + {$130.00} balance transfer fee, for a total of {$2800.00}. I made some additional transaction, and my end cycle bill closed with a balance of {$2800.00}, with a MPD of {$40.00} on or before XX/XX/XXXX. On XXXX XXXX, I made a payment for {$1000.00}. Covering the purchases outside the promotion and part of my promotion. When my new bill gor XXXX came, I noticed a interest fee of {$6.00}. When I called Chase on XX/XX/XXXX, the agent told me that the payment received was allocated to the promotion and there's no way to move the payment betwen promotional balance and regular purchases. That the only way to avoid interest is by no making additional purchases, and for me to avoid any future interest is by paying off the entire promotional balance. This is wrong and Chase is not honoring the promotion details.
Product: Credit reporting or other personal consumer reports

THESE ARE GIVING ME STRESS THESE ARE NOT CORRECT I WAS NEVER LATE IN TERMS OF PAYMENT IN THESE ACCOUNTS XXXX XXXX XXXXXXXX XXXX {$580.00}
Product: Debt collection

This company insist on making harassing calls after I requested not to be contacted by phone. I told them this is not my debt but they still send me harassing letters and calls and have not send me the debt validation information i asked them for.
Product: Checking or savings account

First Citizens Bank advertised a promotional offer of {$300.00} cash bonus for opening a Free Checking Bundle. I opened the account through the promotion on XX/XX/2020 and met all the requirements ( minimum balances in checking and saving accounts, 10+ debit transactions ) by XX/XX/2020. It's been six months and the bank has not provided the {$300.00}, which was promised within 90 days of account opening. I've contacted the bank but got bounced around and never received a response.
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.

15 U.S.C 1681 section 602A. States I have a right to privacy.

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c ( aX5 ) 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. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX
Product: Mortgage

I have made two calls to Freedom Mortgage- which has taken over 45 minutes out of my life, and still don't have what I requested 4 times ; once in my initial call and 3 times in my subsequent call. All to no avail. 

I have requested an audit of my escrow account from its inception to a current date ; with what has been add from mortgage payments, what withdrawals/distributions have been made and for what & to whom and a running balance. 

Freedom can forward this information can be faxed to me at XXXX or emailed directly to me at XXXX.
Product: Checking or savings account

Cash App advertises that they can receive my direct deposit 2 days early. Instead I am being informed that they will be holding it up to 5 business days, meaning I'm being paid a week late. Their customer service department has been giving me the run around all day. No one can actually look into or solve my issue. My reputation will be damaged by not being paid on time by them, and I will also incur late fees on my bills.
Product: Payday loan, title loan, or personal loan

With purchase of a new vehicle I was swindled into trading a XXXX XXXX XXXX into one of this corporations dealerships. I will not quote the trade in amount but I have excellent credit and still this company can sit on their conscious with interest rates for loans in the 6 % range. This company 's interest rate for vehicle lending is astronomical and this is only a suggestion but stay far away from this company if you want to avoid being swindled! 
On top of the Purchase for this XXXX XXXX XXXX my vehicle which is brand new did not come with a vehicle jack to change spare tires, and when brought to dealership attention they dismissed through tire in back of truck and treated customer insanely rude.
Product: Credit reporting or other personal consumer reports

I have attained an attorney regarding Experian for their lack of competency on investigating things on my credit report. I want to make sure I keep a paper trail on them how they NEVER investigate. Keeps cases open on here while they have already come back saying these accounts are accurate. They are violating several of my rights by consistently posting accounts that are either not mine, closed/with balance or inaccurate dates. 

They came back on last week XX/XX/24 online stating that the following are my accounts. I asked them to send me something with my signature and they have not. 

XXXX. XXXX XXXX XXXX showing closed with a balance reporting every month XXXX. XXXX XXXX XXXX not my account- asked for something with my signature on it showing this account is mine. Nothing from them XXXX. XXXX XXXX showing as closed/account with a balance reporting every month XXXXXXXX XXXX XXXX- NOT MY ACCOUNT. I have told this them several times and asked them to send me something with my signature showing this information. They have sent me nothing The laws they are violating : This situation violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : Section 1681i : The right to dispute inaccurate information in my credit file. Section 1681s-2 : The requirement for furnishers of information to provide accurate and updated information to credit reporting agencies. Section 1681e ( b ) : The obligation of credit reporting agencies to ensure maximum possible accuracy in the information they report. Section 1681c : The rule that closed accounts should not continue to show a balance.

Despite my attempts to resolve this issue directly with Experian, they continue to report an incorrect balance on this closed account, which is adversely affecting my credit score and financial standing. I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with the FCRA.
Product: Mortgage

I purchased a property using FHA financing for {$89000.00}. It transferred on XXXX. Since living here, my XXXX has been aggravated by the gas fumes coming from the gas station next door. I understand that my house should have been 300 feet from the gas tanks to qualify for an FHA loan and per a recent appraisal it is only 200 feet from the gas tanks. Also the value of the house was inflated by approximately {$15000.00} ( Attachment 3 ). Documents attached were sent to Quicken Loans. 

XXXX XXXX of Quicken Loans responded to me on Friday, XX/XX/2020 stating that these were appraiser issues and not loan issues and I should take it up with the appraiser. She continued by saying that Quicken Loans is not responsible. But the loan officer was aware of the 300 foot requirement and she said in an email that she would have her collateral crew verify the distance before proceeding ( Attachment 4 ). Additionally, I paid Quicken Loans for the appraisal and had absolutely no interaction with the appraiser. 

I was a client of Quicken Loans and I expected they would follow FHA guidelines in providing a loan to me and they didn't. So, I hold Quicken Loans fully responsible. If Quicken Loans think the appraiser did not do his job, then they should be the one to pursue the appraiser. 

I want Quicken Loans to cancel my mortgage, take the house back and refund my down payment and moving expenses. 

( Unfortunately I was not able to upload attachment 3 because of size- the appraisal I had done on XXXX which showed a value of {$76000.00}. This has been sent to Quicken Loans )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/2021. And now we are in the month of XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX
Product: Mortgage

I lost my job in XX/XX/XXXX and requested assistance from my mortgage company. They approved a forbearance for 6 months. Late in XXXX XXXX XXXX, I got a new job which pays XXXX per hour less than I had been making. I called mortgage company and let them know as soon as I had new employment but was not making as much as I had been. The person I spoke with said to just stay under the forbearance until it ends. I contacted the mortgage company several times during the forbearance period. When the forbearance period was coming to an end at the end of XX/XX/XXXX, I was advised that the missed payments could be added to my current mortgage but I needed to resume the same payment as we were making prior to forbearance. I advised that with my paycut we are no longer able to afford the current payment and requested to be reviewed for a loan modification. During this process I was continually told that I was protected from foreclosure and being reported as late to the credit bureaus. While mortgage company was evaluating us for a modification I XXXX how this would affect our credit and found that we may be reported as having settled our mortgage and be negatively affected with our credit. I then contacted the mortgage company and requested an extension on our forbearance so that I would possibly start getting bonuses at work soon and may be able to cover the original payment. The request was approved, but for the months of XXXX, XXXX and XXXX and they left out XXXX. I asked right away what about XXXX, we can not afford that full payment. They needed to reasearch and escalate to find out what to do, but in the meantime I was being evaluated for the modification. As soon as I was told that the forbearance was approved starting in XXXX, I started getting messages from my credit watching services that I had a serious report on my file that needed attention. I came to find that while I am in the midst of working on a loss mitigation plan, the mortgage company has reported our mortgage over 120 days delinquent! I called the mortgage company immediately and was told he would have to request that the file be reviewed to see if the negativity could be removed from our credit report. He told me that it would be 7-10 days before I would get an answer. In the meantime my credit score dived over XXXX XXXX  and now we have horrible credit which is not what I was led to believe would happen during loss mitigation procedures. I am requesting and immediate correction, please.. We have always had good credit, high dti, but good credit. This will affect us for the rest of our working years.
Product: Bank account or service

Dear Sir, I XXXX based on my exceptional services to XXXX Government rendered through my job in XXXX XXXX XXXX XXXX XXXX. I XXXX on XXXX XXXX, XXXX. 
I received terminal benefits after working for more than 22 years in XXXX XXXX. I used the terminal benefits cheques to open a checking account in Sun Trust 's XXXX XXXX branch in XXXX XXXX. I started working with XXXX based XXXX XXXX XXXX in XXXX and deposited my monthly compensation cheques in the same account. 

I rendered contractual services to XXXX-based XXXX XXXX XXXX in XXXX XXXX, XXXX. I obtained re-entry permit from XXXX to stay XXXX to perform my services in XXXX. 

The account was a joint account in my name and in the names of my wife - - XXXX XXXX XXXX and my son - - XXXX XXXX. My son is XXXX XXXX XXXX. We maintain sufficient balance in our account. 
Our Joint checking account ( Signature Advantage ) number is XXXX. 
Both I and my wife jointly hold a money market account in the same branch of Sun Trust Bank. The number of our SunTrust XXXX XXXX is XXXX. 

On XXXX XXXX, Sun Trust Bank decided arbitrary and without citing explicit and sufficient reasons to close all Bank accounts. You are requested to investigate the matter and ask Sun Trust Bank to cease from causing irreparable damage to all the joint account holders. 
As a regulator, I repose my faith in your intervention in the interest of customer who is powerless in front of a big Bank. Your assistance in this regard will help to protect customers from exercise of such powers by Banks like Sun Trust. In my case, I will suffer irreparable damage as I do not have any other Bank account in XXXX.
Product: Credit card or prepaid card

Synchrony keep messing up my mailing address and therefore, charged me a {$29.00} fee. This isnt the first time I have issues with the company about not having the correct address and charging fees. Just today, XX/XX/20, I spoke to a representative and her manager about the issued. Event thought the address was wrong, they stated that the could not be waived, even though this is their error.
Product: Checking or savings account

I opened an account with Pentagon Federal Credit Union on XX/XX/22. Prior to opening this online account, I submitted all of the requested information to verify my identity and establish worthiness of being issued an account. 

Since opening the account I have made a total or XXXX accounts ( unable to access account for reasons to be disclosed later ). On XX/XX/22, I made a mobile deposit of a check written from a reputable business/ my Attorney 's office and received the usual notification that there may be a usual and customary delay before gaining access to the funds. After that deposit, I attempted to take care of monthly financial obligations for which the account already had funds available. On XX/XX/22 I received notification from my mortgage company that there was an issue with my XXXX monthly payment. When I logged onto the mortgage company website for further details I was then informed that my account was blocked. 

Supposedly my account was blocked by PenFed on XX/XX/22 yet this institution has made no attempt to notify me. They have my phone number, email address as well as mailing address yet my first notification that there was an issue with my account came from my mortgage company. This is yet another example of the incompetency and discriminatory behavior of this company and its employees. 

I attempted to access my PenFed account and received a pop-up message that my account was blocked and contact information was provided for additional information. I contacted the phone number provided and was told that there was suspected fraudulent activity on my account ( what exact fraudulent activity is unknown to me and PenFed refusing to elaborate any further ) and as a result my account is blocked. I am now required to submit additional documentation to verify my identity ( once again for reasons undisclosed to me ) and I am not only denied access to the funds that were already available in my account but also the funds for the recent mobile check deposit. This has resulted in all of my funds for paying monthly financial obligations frozen with an unknown release date. In all of my years of dealing with the banking industry, I have never had an entire account frozen due to a mobile check deposit. At the very most, access to the funds related to the mobile deposit in question would be delayed by XXXX weeks at the most. I am unfairly being discriminated against due to reasons undisclosed. This has created an unforeseen financial hardship for my family in addition to unnecessary stress and in adverse effects on my health.
Product: Debt collection

This is not my debt. This is the debt of a family member. I was contacted several occasions and left voice messages on XX/XX/22 and XX/XX/22 by XXXX XXXX ( XXXX ) of XXXX ( XXXX XXXX XXXX XXXX, XXXX, CA XXXX ). On these voice messages there was threatened action of contacting employer, filing claims against SSN, accessing personal financial records of said family member/disclosure of debt. I attempted to call back to ask for my number to be removed and was unable to reach this person. I chatted online at the ARS asking how my phone number was obtained as the family member of the debtor and was told they didnt know and I had the wrong company. I would like this harassment to stop and will be filing additional complaints with state agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance With the Fair Credit Reporting Act Capital One has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : 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 consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXXXXXX XXXX