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

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 my 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 XXXX AND XXXX 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 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: Credit card or prepaid card

I have contacted NetSpend several times beginning XX/XX/ 2020. I was not able to get through to any reps for 26 days, on the day I was able to get through I was repeatedly placed on hold for hour long increments. My stimulus payment was direct deposited to an old NetSpend account I no longer use. I have been trying to get NetSpend to merge the old account with the new account I opened with them in order to access my funds. I have not received any help with this matter.
Product: Credit reporting or other personal consumer reports

My credit score was adjusted last month back to what it should be : no missed payment ever. It also went back to a XXXX credit score. However, it appears that fix was short-lived. My score just dropped another XXXX points and it says I have a late payment recorded by XXXX in XXXX. This is only happening at Transunion. Transunion says XXXX late payment in XXXX and my credit score is XXXX. XXXX says no late payment and a XXXX XXXX of XXXX. XXXX shows no late payments and a credit score of XXXX. Transunion score went up approximately XXXX points last month when this issue was finally resolved. However, it came crashing back down XXXX points again this month. I'm not sure how Transunion corrected this on their end but then started again incorrectly reporting a late penalty but it was fixed and now it's not. I need help with this ASAP. This issue has been going on for over XXXX months now. We are actively shopping for a new vehicle and I should be getting the most favorable rates with my XXXX credit score. The Transunion score of XXXX is extremely detrimental to my ability to get a loan and at the rates I should be able to get.
Product: Credit reporting or other personal consumer reports

These inquiries were not Authorized by me or did I consent for anyone else to pull my credit. These are the inquiries below that I didn't Authorize. 


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

Upon checking my credit on XX/XX/XXXX, I discovered new items on my credit report. All reported the same day on Equifax. I immediately let them know it was fraud. These caused severe damage immediately for my credit score. 

Collection Agency XXXX XXXX  Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$190.00} Amount {$190.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX
Product: Debt collection

I have disputed all my accounts with portfolio recovery through the original account holders and never got a response so they should have never sent it to profolio recovery and I'm siting a court case that shows that they are not allowed to do that. XXXX  XXXX XXXX XXXX XXXX   XXXX versus XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX, MD XXXX Extremely inaccurate information was reported to my Credit, and different information was reported on each Bureau Inaccurate information was reported to my credit. Much in the information was not even consistent with anything considered normal. My XXXX  report showed a balance if {$680000.00} with a monthly payment of {$18.00}. My XXXX  showed a past due balance of {$700.00}, no account number, and a monthly payment of {$18.00}. It is a known violation with the FCRA for any creditors to give reporting agencies inaccurate financial information about you. The above reporting represents malicious reporting practices or at the very least, extreme negligence. I was advised by XXXX  representative to contact an FCRA Attorney regarding the business practices for Mariner. 

I did also dispute the inaccurate account with XXXX  and XXXX  as well and reported the violation to the Attorney General In Georgia ( Ref number XXXX ) While I was on the phone with the Attorney General I was advised to file an additional complaint with the Consumer Financial Protection Bureau. I have notice that there are several complaints placed against this organization and would like to encourage consumers to use some of the tools, and information in this post to hold companies like this accountable for the fraudulent/ inaccurate information in which have lasting damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began XXXX XXXX  XXXX in XX/XX/XXXX. Since then I have completed over XXXXXXXX XXXX, and continue to maintain a 5 star rating. My annual background reviews were returned of course without issue. XXXX was so impressed with my performance I was offered a job at the hub in XXXX. 
So I am sure you can imagine my shock whenever I received the email stating my application to XXXX XXXX is denied! Well that shut off my access to the app so I couldnt call in. I couldnt get through to checkr about the situation. When they would reply to the emails., XXXX would say we do not look at the report. We take the recommendation from checkr and base our decision on that. Checkr would say we do not make the determinations in eligibility we simply run the report and then hand it over to the company who requested it. 
After a month of this ping pong battle XXXX was like you have to dispute it with XXXX. I did. And after another 2 weeks the letter read there is an issue on your driving record making you oneligible to be a XXXXXXXX XXXX! I have known what gour letter report says. Another week goes by we have researched the issue and determine it to be a valid infraction we consider this case closed. Please respond if you disagree. 
Yes, I do. I just want to know the answer to this question. 
If I have been driving XXXX for over 3 years since XXXX with my previous chrckr driving accounts being free and clear How is it now there is an issue from XX/XX/XXXX making me ineligible? I am just trying to find the answer to that question yet I cant receive it and in the meantime. I am still banned from the XXXX XXXX platform!
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is in violation of the FCRA. As a consumer I shall be able to obtain my free consumer report ONLINE from XXXX with no adverse action! This is very inconvenient since I need to view my TRANSUNION report immediately like my other consumer reports ONLINE ( XXXX XXXX XXXX ) to investigate a certain matter on my consumer report. 

Receiving my TRANSUNION Report through mail is a slow inconvenient process. And I need this matter handled ASAP!! 

This issue is causing XXXX XXXX & XXXX XXXX to me since Im trying to apply for a credit card for my personal matters.
Product: Credit reporting

Creditor is reporting incorrect information, XXXX XXXX XXXX XXXX and incorrect information is showing on my transunion account. This is showing negative collection activity on my credit as well as my score. The car was paid off in full in XXXX, and i am no longer as well the holder of this vehicle. My account status is showing purchased by another lender, and their is no lender because the account is closed and paid in full, which is what should be reflected in the comments/status of this account.
Product: Mortgage

Complaint is against the unfair and illegal practices still being carried on by OCWEN Loan Servicing. OCWEN has refused to work with me and provide loss mitigation outside of simply just wanting to foreclose my home. I was forced by OCWEN to file for Chapter XXXX bankruptcy protection in order to stop a foreclosure on my property, after they repeatedly denied me a loan modification and instead began applying all sorts of excessive and outrageous fees to my loan making my ability to catch up with the payments virtually impossible. Because of this, I fell behind and out of the blue, they served me by mail with foreclosure papers. Filing Chapter XXXX stopped the foreclosure proceeding but only temporarily as they are now requesting the court to lift the stay. OCWEN seems determined to foreclose my property and even claims that the property has no equity, which is inaccurate. OCWEN still practicing outside the Federal guidelines, something they had been fined for back in 2013. OCWEN has submitted paperwork to the bankruptcy court full of inaccuracies and misstatements. They have continuously charged me fees for things such as attorney fees, foreclosure fees, " other costs '', etc. Every time they do this, they placed my loan balance at a higher figure. OCWEN has also provided me with monetary figures that do not match others. I am currently on Chapter XXXX solely because of the actions of OCWEN against me. I had to file an emergency protection in order to keep OCWEN from selling my property at an auction. I am a Veteran ( XXXX ) and currently a XXXX, I have a full time job and the ability to make my payments, only if they would stop flexing their muscles and try working with me instead of insisting on foreclosure.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the XXXX XXXX continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Vehicle loan or lease

Went to dealer to buy car coming off lease. They said to buy direct from XXXX XXXX. We were told a week to 10 days. We paid it off and provided a mileage statement. That was over three weeks. Different story every time you talk to them.
Product: Credit reporting 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 XXXXXX/XX/XXXX XXXX Urgent Complaint Regarding XXXX 's Intentional and Malicious Violation of 15 U.S. Code 1681c-2 FTC Report # XXXX FTC Identity Theft Report Number XXXX ; File Number XXXX and Demand for Monetary Damages from XXXX for Willful Violation of the FTC Act Per 15 U.S. Code $ 1681c-2, a consumer reporting agency shall block the reporting of any information in a consumer 's file that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days, and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

Accounts on the FTC Report per XXXX File dated XX/XX/XXXX, are listed as accounts with Adverse Information. This again is INCORRECT as the fraud was discovered in XX/XX/XXXX, and XXXX was notified immediately. 

Under 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I demand the deletion of the accounts listed immediately! 
Best, By : AUTHENTICATED SIGNATURE Agent for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a debt from a Termination of Tenancy action where we retrained our ( double security deposit ) and now after the fact, XXXX XXXX XXXX XXXX. is showing us as owning them money when I in fact They owe us! 
The resident property XXXX told us we would receive our refund within 21 days and I recently received this notice of a NEW DEBT which is incorrect and has caused my family to be denied housing.
Product: Debt or credit management

No Credit Score Improvement and Refund Denied by Credit Wellness.

I'm writing because I'm really upset with fraud company Credit Wellness!

I did not even want to talk with credit repair agency. I was looking to settle my account debt with collection agency, and somehow called Credit Wellness.

I feel used. The agent on the phone convinced me that paying them will help me increase my Credit Score, so I started a plan, but it did nothing. All it did was taking my money, and my debt is still there. 
I was checking XXXX XXXX all the time, and after a month there hasn't been any improvement at all. This is exceptionally concerning. 
I want a full refund! 

They had told me that when I signed up that I could get a refund if their service didn't work. I asked them to get my refund.I tried calling them back, but there was no answer. 
This has been very stressful and unfair. I trusted them to help me, and not only is my credit score the same, but I am also out the money I paid them upfront. 

SCAM!!!
Product: Debt collection

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the XXXX  credit bureau and found that this QUALITY ASSET RECOVERY ( Original creditor : XXXX XXXX XXXX XXXX ) was reporting to be negative on XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Checking or savings account

I am filing a complaint with the CFPB Regarding Capital Ones failure to deposit direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

I was provided no notification of the " alleged '' debt and thus any opportunity to dispute the debt prior to its reporting to credit bureaus. On XXXX/XXXX/XXXX, I sent the following letter : Certified Mail XXXX. XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX, MN XXXX XXXX XXXX, XXXX XXXX : Account for {$320.00} ending in XXXX To whom it may concern : I am writing to demand that you immediately remove from my account a reported amount of {$320.00} for an account ending in XXXX. 

1. In violation of the FCRA, I have not received notice of any such debt as well as the contact information regarding to whom this alleged debt is owed. 

2. Neither have I been afforded an opportunity to nor have I been provided an opportunity to dispute the alleged debt. 


I hereby demand that this alleged debt be immediately removed from any and all credit report bureaus this has been reported to until such time you can comply with the provision of the FCRA. Failure to do so will result in a suit to protect my rights and any damage done to my credit reputation. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX In addition, I am receiving an excessive number of spoofed calls which leave no messages which have exceeded 100 in total as of this date and no response to my letter. Further, it seems that the day after they received the letter, they reported the debt to another credit reporting agency rather than remove them until I have an opportunity to review and request documentation and dispute.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with 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 my 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 ( MONTHS REPORTING LATE ) 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.

TRANSUNION 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: Money transfer, virtual currency, or money service

Over 2 months ago Google Pay suspended my account for no reason under the email XXXX. I have contacted support dozens of times since then and provided them everything they asked for. I submitted my ID, I submitted my bank statements, and a physical picture of both of the debit cards on my account. Every time they reject the information and keep my account suspended. 

To top it off they are now trying to steal over {$700.00} from me. I am unable to withdraw my balance and when I contacted them about this they claim my money is being sent to " authorized state agencies ''. I have had my Google Pay account for over 2 years and never had a single issue but they are treating me like a terroist. This is very upsetting that they would suspend me for no reason then go on to steal my hard earned money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report for all three companies, I 'm in the process of purchasing a home. And I have this collection on my credit that is reporting inaccurately. 
First-I do n't know who this collection company is, i have never received paperwork from them. I tried to call them and I get push back, stating that the account is paid so I do n't need to worry about it. 
Second-it 's reporting differently on two credit reports-On XXXX XXXX, I get the full information regarding the account and on XXXX-I get very little. I do n't even get the company name on XXXX!! I have attach a copy of the collection summary for XXXX XXXX and for XXXX.
Product: Vehicle loan or lease

The company is not applying my payments properly. I have a simple interest auto loan with Wells Fargo and I have been making extra payments for almost a year now. They are not applying over payments fully to principle balance, they are dividing my overpayment between interest and principal. When I tried to resolve this with them they are telling me that I have to specify that I want the overages to be paid to principal but that is not an option on the website ( see below attachment ). After spending hours on the phone with the Presidents office they agreed that the payments are not being applied like they should be but will only fix back to XXXX even though I started the over payments in XX/XX/2019.
Product: Debt collection

I have received an alert from my credit monitoring service a month ago that my credit score has dropped. l reviewed my credit score on XX/XX/2020 and seen that it had dropped 20 points on all three credit bureaus due to 2 negative items from Northwest Financial in XXXX XXXX Missouri. I have called Northwest Financial several times and I requested to be sent information that this is my debt, It has been a month and Northwest Financial still hasn't provided me any proof that they have an agreement with the creditor to collect this alleged debt, Nor would they provide me a contract where I allegedly agreed to pay these charges or signed. This company has been giving me the run around every time I call they say they will send me out the information again and yet nothing. These 2 negative items has lowered my credit score. Thank you in advance
Product: Checking or savings account

I was a victim of an identity theft scam on XX/XX/year>, and have since provided email evidence and recordings of interactions with scammers via email and text. Despite appealing denials in a timely manner, Truists analysis department stated their intention to report this incident to the check system, potentially harming my reputation and preventing me from opening an account. XXXX from the investigation team initially offered assistance but a different analyst closed my case prematurely, which I maintain was incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Federal Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights. 

XXXX XXXX XXXX XXXX XXXX. This has been reported by a third party company and not by the United States Bankruptcy Court in XXXX. An attached document has been provided by the United States Court in XXXX, Maryland for me for my complaint. 

XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 15 U.S.C. Section 602 A. States I have the right to privacy.

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