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

Upon reviewing my consumer report I notice XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX  have furnished alleged late payments to the credit reporting agencies. 
The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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.

For any creditor to treat a payment as late you must prove the following : 1 ) Each Periodic statement ; and 2 ) The information required under 15 USC 1637 ( b ) of this title ; 3 ) was mailed out or delivered ; 4 ) 21 Days before the payment due date 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer!

A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that show proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not reply to me stating that you are furnishing accurate information because we both know you have not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1666b & 1637 ( b ).

In addition to the 16 USC 1666b requirements the alleged late payment that you have furnished is negative information and as a financial institution by law you are required to be in compliance with 15 USC 1681 s-2 ( 7 ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) NEGATIVE INFORMATION ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.

( ii ) Notice effective for subsequent submissions After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 1681a ( p ) of this title with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.

( B ) Time of notice ( i ) In general The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 1681a ( p ) of this title.
Product: Mortgage

We recently decided to refinance our home with our credit union after trying for over a year to remove our PMI with our current mortgage company. The agent that is helping us at the credit union contacted us on XX/XX/XXXX stating that our current mortgage company ( Specialized Loan Servicing ) reported on our credit that we're in a deferment and we'd need to be current on payments to proceed. Our credit report it is showing our last payment we made was XX/XX/XXXX. We have never requested assistance nor have we ever been late on our monthly payments. I contacted SLS on XX/XX/XXXX and they said they'd send an email stating that we are current on our loan and never requested the deferment. After waiting several days with no email, I contacted them back XXXX on XX/XX/XXXX XXXX. I was told we'd have an email no later than Monday XX/XX/XXXX. We never received the requested email so I contacted them back on XX/XX/XXXX. Due to heavy call volume, I was forced to do a call back for a later time. I got a return call on XX/XX/XXXX and was transferred to a relationship manager for resolution. XXXX stated that they do not send emails however, an official letter could be mailed to me stating that we aren't in a deferment and also that he was sending something to the credit report to be updated. We received two letters Saturday, XX/XX/XXXX from our mortgage company. The first letter stating that they have received our documentation as part of our request for mortgage assistance but they need more information and the second stating our account has been transferred to the customer resolution department due to potential or existing delinquency. Both letters also state that they are required by Federal law to advise us that this communication is from a debt collector. Again, we have never been late in our payments and have never requested any assistance. We've been battling this company for several months now to remove our PMI. They finally sent an appraiser to our house in XXXX and even followed up with a phone call stating it would take 30-90 days to review. I never heard anything back and every time I call customer service, nobody can help me. I was even told that I couldn't speak to a supervisor and was hung up on. I have spent countless hours trying to get resolution with this company. The false reporting to our credit was our bottom line.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX {$5400.00} I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account name XXXX XXXX and account number XXXX Account name XXXX XXXX and account number 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 whiten instructions
Product: Bank account or service

On XXXX XXXX, 2016, I opened a PNC Virtual Wallet account pursuant to PNC 's promotion of a {$300.00} bonus for meeting these requirements within 60 days : 1 ) establish a direct deposit totaling {$5000.00} per month ; and 2 ) make an online bill payment. I satisfied these requirements by establishing a $ XXXX monthly direct deposit on XXXX XXXX, and making a bill payment on XXXX XXXX. After 90 days, the bonus had still not posted to my account. After considerable run-around by PNC via its " Secure Message Center, '' with no explanation as to why the bonus still had not posted, escalation representative XXXX XXXX informed me that her escalation manager had concluded ( without informing me ) that the bonus had not posted because I had not made debit card transactions. She admitted that was NOT part of the promotion applicable to my account. She said she would look into this further, and communicate with me by telephone. I reiterated, as I had emphasized to her escalation manager, that I prefer communication by email or PNC 's Secure Message Center. She said those options are not possible, despite the fact that communication to date about my dispute had in fact been via email and the PNC 's Secure Message Center. She said electronic communication is not " secure '' enough. Surprised, I asked, " so PNC 's Secure Message Center is not actually secure? '' All she could say was escalation reps are not allowed to communicate in writing. PNC clearly does not want any written record of the errors it is making on my account and false promises it makes to consumers, and it continues to drag its feet on posting the promotional bonus that indisputably applies. This appears to be PNC 's pattern and practice, and PNC appears to be waiting for me to submit a complaint to the CFPB before correcting my account. Thank goodness for CFPB and its Complaint Portal, but PNC should not get to evade scrutiny by simply correcting their errors once individual consumers complain. This foot-dragging practice allows the bank to hold consumers ' money and profit from the interest " float, '' when the funds should already be in consumer 's accounts, earning interest for the consumer, not PNC. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 a account opened with my information at FNB OMAHA. This is identity fraud and I did not do this. The limit on it was {$1500.00} and was used past the limit and was being paid over 30 days late. I can not get a hold of the company and would like help.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sold my car to XXXX on XX/XX/2021 & someone ran my credit for a vehicle in which i had no interest in buying, the very next day w/o my consent ... and shortly there after i had a brief interest in purchasing an ( electric vehicle ) i.e. ( XXXX ) and my credit report was ran on numerous occasions by ( vroom ) w/o my consent over and over on every occasion that i had called in to inquire about a vehicle including not being told that i was approved for a loan with lower down payment, only to have my credit ran again for a higher down payment. while speaking to a representative and giving him my social security number to retrieve my account information he deliberately ran my XXXX XXXX to two minutes prior to closing and was adamant that he did not run my credit and disconnected the call shortly after that, i had received an alert during the conversation that my report was ran by this company and i have screen shots from my device to show the time of the call and the alert to be in synch. 

ditto for ( XXXX ) changing the down payment amount after continueously emailing me with dates to pickup a particular vehicle ( XXXX XXXX electric vehicle ) ... all three ( 3 ) of the companies listed continued to engage in illegal and fraudulent practices that have damaged my credit rating with over thirty inquiries within a two to three week span. 

this is unprecedented.
Product: Credit reporting or other personal consumer reports

I contacted company and had fraud accounts closed. i also put a fraud alert on all three credit agency reports. I received a letter from Trans Union concerning my dispute to remove the hard inquiries from the company. the investigation has not resulted in the removal of the fraudulent inquires. Everyone is in alignment. The company closed the accounts and i informed the credit agencies. The XXXX hard inquiries should be removed by Trans Union. No reason to keep fraud accounts hard inquiries on my report to further hurt me with this incident. XXXX XXXX bank Inquiry date XXXX XXXX, XXXX, XXXX XXXX bank Inquiry date XX/XX/XXXX XXXX
Product: Consumer Loan

I took out a loan from LoanMart XXXX XXXX Loans. My first payment was due XXXX/XXXX/15. I contacted them and told them my payment would be late which I was told is in compliance. I was to make my payment to them on XXXX/XXXX/15 so that would include XXXX payments. I received a billing statement reflecting that with no past due charges because I contacted them. They repossessed my car and damaged it and my yard on XXXX/XXXX/15.
Product: Student loan

The amount of the loans are n't correct. The interest rate is high. I have n't been sent any copies of promissory notes from these loans. Nor copies with my signature attached.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


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 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: Credit reporting, credit repair services, or other personal consumer reports

today I was alerted by all the credit bureaus of 19 false inquiries on all my credit reports i have already filed with identity theft.gov I will upload a copy of the report as well as a result my credit score was decreased in abundance from something I didn't do my self as well as all the credit bureaus violating my rights which in turn hurt my credit score In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, as well as XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/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 an account without my written instructions
Product: Student loan

In Spring of XXXX I attempted to rehab my student loans with Navient solutions. Additionally, I attempted to remove my husbands name from the loans. I was told if I made a couple of months of payments my loans would be rehabbed and my husbands name removed from the 1 loan. I began making the payments and payments did AND STILL DO show on my husband 's credit report. Then in XXXX of XXXX, my payments were returned to me, and my husband 's loan went suddenly into default. When I tried calling, nobody had any information for me, the DoE showed I didnt owe any federal loans and Neither did Navient. At least thats what I was told at the time. My husband attempted for 2 years to get information on the loan with his name on it and is finally working to resolve that loan. In late XXXX I received notice my wages were being garnished to repay the loan and allowed it to continue. At no time did this show as a default on my credit report so I was under the assumption the repayment was on a loan NOT in default. Fast forward XXXX, due to covid 19 my payments were suspended by law, still no indication on my credit report that my loan was in default. Having fixed or settled all other student loans, I applied for a FHA loan and only then does this debt show as a default on the XXXX XXXX. When I tried to contact Navient they were even unable to provide me an account number, my payment ampunt or how to pay it. I was left with a loan I was unable to pay due to Navients confusing, false, or lack of communication. It was placed in default which was a huge mark against me and I was not afforded any way to pay it.
Product: Debt collection

I paid a medical debt on my credit directly to XXXX XXXX XXXX. I have informed both XXXX XXXX XXXX of the payment as well as the 3rd party company Eastern Account Systems. I was promised removal of debt from my credit reports XXXX, XXXX  and XXXX upon payment. I want the negative remark removed from my credit because its damaging my ability to purchase a home and obtain new credit.
Product: Mortgage

I recently refinanced my home with Mortgage Pros, a XXXX  based loan orginator. I was allowed two months of time before I needed to pay again. That month is this XXXX. I have repeatedly contacted the loan officer for details but have been ignored by text, telephone and email. I fear a default or foreclosure in the future.
Product: Credit card or prepaid card

I would like to made an addition to my complaint ID XXXX which was submitted earlier today, Friday XX/XX/2021. 
I would like to add that the customer service representative from American Express told me my credit score was XXXX according to XXXX, however I have attached a screenshot of today that my credit score is actually XXXX. A full XXXX points above their statement, and this screenshot is also directly from XXXX. Why did they lie to me about my credit score? The service rep was from a call center in XXXX which I also think had an impact on my resolution. 
I have also attached a few screenshots showing Excellent repayment history with AMEX ( through XXXX ) and proof that my current minimum payment has been met, to further emphasize the fact that this {$810.00} payment request from AMEX feels almost like extortion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting, Everything has to be 100 % accurate on my report. 

The credit bureaus stated these account : XXXX  XXXX, was properly investigated but how is that possible if a charge off has late payments its a closed account, the open date is inaccurate, the date last active is inaccurate and the date last active is reported inaccurate as well in all three bureaus. 
This is ground for removal and they also violated my rights under 15 u.s.c 1681 section 602 A. i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2.it states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to my SSN! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, real employer paycheck stubs, driver 's license, and my W-2. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and EXPERIAN credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and EXPERIAN {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and EXPERIAN, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : EXPERIAN, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
Account Name- XXXX XXXX Account Number- XXXX ( XX/XX/XXXX ) XXXX INACCURATE INQUIRES THAT NEED TO BE REMOVED! 
XXXX XXXX XXXX BANK CREDIT CARDS XX/XX/XXXX ( XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ( EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( EXPERIAN 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 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!! DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!
Product: Student loan

I started making payments in 2000 to XXXX XXXX ( Navient ). 10 years ago they asked me to make online automated payments to reduce my APR. That never happened. Now, close to 18 years of never missing a monthly payment, I am not close at all to paying off my loan.
Product: Debt collection

This is the 4th time I have tried to have the CFPB intervene on this 20 year old debt ( although I have never had an account with the bank mentioned in their letters ). 

They operate under multiple names but continue to pass it from one to another but it's clearly the same debt. 

I have asked them to STOP CONTACTING ME FOR ANY REASON so they simply contact me under a different collection agency name. 

I've attached 2 letters, sent under 2 separate collection agency names, the first dated XX/XX/2023, the 2nd XX/XX/2023, for a debt that is now 20 years old! The federal statue of limitations prevents any attempt to collect a debt anywhere near this old. 

In the event ANY of their agencies contacts me again, I have 4 other people who will join with me in a class action lawsuit to seek both a seek and desist order and any punitive damages the court will award.
Product: Debt collection

I have never hear of commonwealth or XXXX  XXXX XXXX  that just popped up on my credit stating that I owed XXXX plus dollars. They never attempted to reach out by phone or mail.
Product: Credit reporting

On XXXX XXXX, 2015, a collector by the name of XXXX placed an adverse account on my Equifax credit report that I do not recognize. Since this account does not belong to me, I would like it deleted.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email from Wells Fargo confirming I had requested a new card with my account number sent to an address in New Jersey. I made no such request. I called Wells Fargo at XXXX XXXX, phone number XXXX. The call lasted XXXX minutes. I confirmed I did not make that request. The customer service person went over 2 charges with me that were fraudulent. And assured me that it would be handled. 3 days later I checked my balance and one of the charges was still on my account. I then filed a dispute on the charge for {$430.00}. The other charge was over {$500.00}. Since then, I have spent over XXXX hours and XXXX phone calls with Wells Fargo. It has been 13 business days since my original call. Wells Fargo commitment is XXXX business days to have a fraud resolved. Wells Fargo just sent an email to me and said it would be 7 more business days to review my complaint. This is unacceptable for a fraudulent claim. Many years ago my XXXX XXXX number was compromised. XXXX handled the problem with 1 telephone call.