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

I just looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments and did not provide written consent to report the account : JPMCB CARD : XXXX  Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the account, as it is already corrected from the other bureaus. You have 30 days to CORRECT this account listed below : XXXX XXXX  XXXX Date Opened:XXXX Balance : $ XXXXClosed Late Date XX/XX/21
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized inquiries from my credit report, as permitted under Section 609 of the Fair Credit Reporting Act. I believe these inquiries are inaccurate and were not authorized by me.Please Block and remove all information resulting from Identity theft pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) which states that these accounts must be removed within 4 business days of receipt. XXXX XXXX XXXX XXXX violated my consumer reports on XXXX XXXX XXXX XXXXXXXX XXXX without a permissible purpose as per 15 U.S.C. 1681b ( 2 ) or knowingly without a legitimate business reason pursuant 15 U.S.C. 1681 b ( a ) XXXX ( f )
Product: Student loan

For student loan payments made during the covid forbearance period we were eligible for refund until XX/XX/2023. Nelnet 's phone 's were down from XXXX on and you were unable to get ahold of them to request a refund through an application. There is no way to do this online. When called the next day they stated it was past the deadline, although they were not open to take calls on the deadline date. After speaking with multiple nelnet employees they did place an application but states they are unable to determine if it will go through due to placing application " late ''.
Product: Credit card

On XXXX and XXXX, fraudulent charges of {$280.00} each were made on my Barclay 's card from a local XXXX XXXX. I reported this to XXXX XXXX and disputed the charges on my Barclays card, closed my Barclays account, and filed a police report. Barclays closed the case due to 'insufficient proof of cancellation, ' which is nonsensical, as no proof of cancellation would exist because neither transaction was made by me. I was not in the store on either day, neither did I make any online purchases.
Product: Credit card or prepaid card

I switched bank, so on XX/XX/XXXX. I logged into my Citi Advantage Credit Card Account to updated my new bank information for Auto Pay ( as I always do ) and my new email address. The Auto Pay didn't go through and I have no recollection my account was two month past due until Citi representative called me on XX/XX/XXXX. Since my account was set up with paperless statement and only to receive email notifications. When I asked why was I not notify by email. The agent claimed I had a wrong email address in my profile. I can vouch and confirm that's a total false answer! When I check into my email. I found promotional emails from Citi Advantage in both month XX/XX/XXXX and XX/XX/XXXX. All emails are still on my rmail server and account. As Citi being a such big and reputable company. WHY WAS I NOT NOTIFY BY EMAIL, PHONE or MAIL SOONER? I could have saved two late fees {$39.00} + {$27.00}. Most importantly I am in the middle of loan processing for purchase a new house, so credit score is extremely crucial and sensitive at this point. I have inform my loan broker about this issue and he believes it's going to make an impact on my credit score and affect my interest rate! I am absolutely dissatisfied, disturbed and disappointed with Citi service and performance. Even know Citi representative waives one of incurring late fee and offers me a one time XXXX mileage points. I have to learn to accepted that my credit score already being damage and not reversible! I'll like to pursue and file a proper complaint about Citi AA Advantage Platinum Credit Card of how they handle their business relationships with their client.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel there are literally zero standards required from equifax and XXXX, thus making them completely random and arbitrary, to the detriment of the typical consumer. Both claim to use the same standard, VantageScore 3.0, yet there are extreme differences between the two. I paid off a personal loan early, and got a positive increase with XXXX, and a negative drop from equifax. Equifax lags in their updates and theres no good reason or excuse for it. Nobody, Federal or State, seems to be policing these gangsters, and I demand to know why. If there is no standard, then theres a strong case to be made that nobody, lenders and creditors included, can rely on them, and they should be eliminated altogether. Perhaps we should be able to opt out of these half XXXX  services from collecting our information such that we refuse to allow our information to be shared with them, and lenders and creditors can ask for direct references instead, without penalty to the consumer. And too bad of they dont like it. They can either get their act together, or, they can go out of business. We dont need them as much as they need us, and personally, Im tired of is being the victims. DO YOUR XXXX JOB AND GET IT FIXED
Product: Credit reporting or other personal consumer reports

The law clearly states : transaction between the consumer XXXX XXXX AND THE PERSON ( XXXX XXXX ) MAKING THE REPORT IS NOT INCLUDED ON THE CONSUMER REPORTS! A LATE PAYMENT IS A TRANSACTIONAL HISTORY, MY HISTORY WITH YOUR COMPANY. CONGRESS CLEARY STATES THAT THE REPORTING OF TRANSACTIONS AND THE EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ARE NOT INCLUDED IN THE CONSUMER REPORTS. YOU HAVE VIOLATED THE FCRA 15USC 1681IA 2AI BY REPORTING THIS TRANSACTION OR EXPERIENCE ON MY CONSUMER REPORT WHICH CONGRESS CLEARLY STATES IS NOT INCLUDED ON MY CONSUMER REPORTS. YOU HAVE 10 CALENDER DAYS TO UPDATE MY PAYMENT HISTORY AND OR DELETE ALL LATE PAYMENTS FROM THE ACCOUNT FAILURE TO RESPOND WITH DELETION OF THE ABOVE LATE PAYMENTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST YOUR COMPANY FOR WHICH I WILL BE SEEKING {$1000.00} PER VIOLATION : XXXX. DEFAMATION OF CHARACTER XXXX. NEGLIGENT NON-COMPLIANCE XXXX. CIVIL LIABILITY XXXX. XXXX  ANGUISH XXXX. FAIR CREDIT REPORTING ACT 15USC 1681 VIOLATIONS WILLFUL NON-COMPLIANCE -616 CIVIL LIABILITY FOR WILLFUL NON -NON-COMPLIANCE ( 15 U.SC 1681 XXXX  )
Product: Vehicle loan or lease

I have been financing my vehicle through CRB auto for two years. I have proof of all payments made each month from the beginning of my loan with the confirmation numbers. There has been at least one, what they claim, to " accounting error '' each month with my bill. Online payments made are not applied to accounts correctly and the interest assessed on each payment far exceeds a compounded break down throughout the calendar year, according to the yearly APR signed and agreed to in the financing contract when the car was purchased. 
I purchased the vehicle in XXXX of XXXX, for {$16000.00}. To date, I have paid a total of $ XXXX in payments and still owe {$14.00}, XXXX according to my last statement as of XX/XX/XXXX. This company is criminally mishandling payments and illegally compounding interest rates weekly/monthly. 

My payment due date changed four times with no communication of the change or consent from the borrower, in the first eight months of the loan ( all of which is documented ). CRB auto has claimed missed monthly payments on billing statements online, and charged interest and penalties accordingly even though the payment was made ( confirmation numbers available to confirm and prove payment ). 

I have repeatedly called the company to have illegitimate late fees reversed and payments applied correctly to my account. I intend to pursue legal action against XXXX XXXX  for the repetitive negligent handling of payments and damages caused from such.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Creditor Failed to Respond to Credit Dispute Within 30 Days Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX / AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Account Information : XXXX for failing to respond to my credit dispute within the legally mandated XXXX timeframe, as required by federal law. Despite submitting my dispute on XX/XX/XXXX and responded on XX/XX/XXXX, American Express and XXXX has failed to provide verification of the disputed account as outlined under the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to investigate disputes and communicate with the information provider within XXXX days of receiving a dispute. Additionally, 15 U.S.C. 1681s-2 ( b ) mandates that creditors and furnishers of information must conduct a proper investigation and report the results to the credit reporting agency within the same timeframe. This failure to comply not only violates these statutory obligations but also jeopardizes my rights as a consumer to fair and accurate credit reporting. 

Given the creditors non-compliance with federal law, the account in question must be promptly removed from my credit report. Failure to do so constitutes willful negligence, which exposes the creditor and any associated credit reporting agencies to potential legal action. Under 15 U.S.C. 1681n, I am entitled to statutory damages, punitive damages, attorney 's fees, and court costs if the violations are found to be willful. 

I demand the immediate removal of this account from my credit report and written confirmation that this matter has been resolved within XXXX business days of your receipt of this letter. Should this issue remain unresolved, I am fully prepared to escalate the matter by pursuing legal action and filing complaints with the Federal Trade Commission ( FTC ) and the Attorney Generals office. 

I trust that the CFPB will address this issue promptly and enforce the legal obligations owed to me as a consumer. Please confirm receipt of this letter and provide a resolution to my complaint at the earliest possible opportunity. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX an account from Portfolio Recovery was reported on my credit profile. According to State of California law, the state I reside in, it is passed the statute of limitations. Available data shows it was last reported on XX/XX/XXXX which is passed the legal date for this type of account to be reported.
Product: Checking or savings account

My name is XXXX XXXX i deposited checks for my aunt because her id was ex she just came out of a homeless shelter in XXXX ny the XXXX XXXX paid a years rent the checks are made payable to her old landlord and her the landlord renigged on her place and left her and her XXXX children in the cold streets she was able to get a new place the bank released tge first three checks of XXXX they have been holding the other XXXX for the past tgree weeks human resource administration cleared the money for her but the bank refuses to let tge funds go this is federal money homeless act we gave the bank everything they asked for and still refuse to let the money go in order for XXXX XXXX case in ny to be closed she needs the money to pay her new landlord and send proof to hra in XXXX  please help us
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

Please know that I was not late sending my payemnts to ..I wonder why Transunion report it as late when in fact payments were sent before the due date..They wont give me concrete reason as to why they wont fix this..CFPB please step up and fix XXXX XXXX****
Product: Mortgage

The response to complaint XXXX on XX/XX/XXXX from Freedom Mortgage was that they admitted they made a mistake and would match the original terms and have the document overnighted to me within 7-10 business days. I haven't received the contract and my home is in foreclosure and the only reason it hasn't been foreclosed on is that the VA has put a freeze on foreclosures until XX/XX/XXXX. 

I'm about to list my home for sale, out of necessity, to avoid foreclosure so that I can capitalize on the equity in my home.
Product: Debt collection

I am behind on my car payment not 30 days which is in my contract, the customer service representative that keeps calling is XXXX XXXX ( XXXX XXXX XXXX Ext XXXX. Yesterday, was really the last straw for me. She shared information about me to a Co-Worker about my debt problems. After I told her many of times please do n't call me on my job, that I get off at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied with a lender and they told me my XXXX XXXX was XXXX instead of what shows on my credit report. Which was in itself embarrassing and a hinderance. Upon looking at my XXXX report I noticed that there are several fraudulent inquires and accounts on my credit report. Also it shows accounts that were resolved and removed as still posting deragatory on my account as well.. Experian XXXX and XXXX has a duty to report Accurate information and to investigate and screen information before allowing it to post to my file as well as audit my file to update any necessary information : The following accounts./ inquires are Fraudulent and need to immediately be removed : XXXX : XXXX FRAUD / REMOVE XXXX/ XXXX FRAUD/ REMOVE XXXX XXXX FRAUD / REMOVE XXXX/ XXXX THIS ACCOUNT HAS BEEN UPDATED BY COURTS AND NEEDS TO IMMEDIATELY BE REMOVED!! 
XXXX XXXX XXXX FRAUD / REMOVE XXXX  / XXXX / FRAUD / REMOVE EXPERIAN : XXXX XXXX XXXXXXXX / XXXX FRAUD / REMOVE XXXX XXXX XXXX / FRAUD / REMOVE XXXX XXXX XXXX XXXX / XX/XX/2021 / FRAUD / REMOVE XXXX XXXX XXXX  / XXXX FRAUD XXXX REMOVE XXXX XXXX / XX/XX/2021 / FRAUD / REMOVE XXXX  / XXXX / PLEASE UPDATE ACCOUNT AND REMOVE FROM MY FILE / REMOVE! 


XXXX XXXX / XX/XX/2021 / FRAUD / REMOVE XXXX XXXX FRAUD / REMOVE XXXX XXXX XXXX XX/XX/2021 / REMOVE
Product: Mortgage

In XX/XX/XXXX, I was approved for funds from the Florida 's Hardest Hit Fund Program and the funds were sent to my mortgagor, Seterus, Inc,. to be applied to the outstanding principal balance. The HFA funds were in a suspense account with Seterus for 7 months. All my calls to request the HFA funds are applied and the loan recast were ignored. On XX/XX/XXXX, I received a " Reamortization Agreement '' letter from Seterus which demands that I agree to extend the maturity date of the current mortgage an additional 20 years. The original mortgage is a conventional 30 year loan originated XX/XX/XXXX. As of XX/XX/XXXX, there are less than 20 years remaining on the original loan which matures in XX/XX/XXXX. Seterus is demanding that I agree to extend the loan maturity another 20 years to XX/XX/XXXX! In addition, Seterus refused to reduce the outstanding principal by the amount they received from the State of Florida Treasury Department. The HFA amount to be applied to the outstanding principal is less than the $ XXXX provided to Seterus from the Florida state 's HHF. I called Seterus and was informed that this agreement is final and they will not make any amendments.
Product: Mortgage

My wife and I have a first and second mortgage through Ocwen. Our mortgages went through a loan modification a few years ago under which XXXX of the terms declared that upon sale of the loan ( or refinance ) we would be subject to a fee of 25 % of the current appraised value of the home minus the amount owed on the mortgage. However, the fee of 25 % could be reduced based upon improvements completed on the home after the modification of the mortgage. We submitted the appropriate invoices for work that met the criteria of reducing the 25 % fee and we were denied by Ocwen citing that they " could not verify the invoices. '' The 25 % fee totals close to $ 25XXXX and the invoiced improvements total close to $ 20XXXX. We know the improvements to our property are valid improvements based upon the IRS regulations XXXX XXXX ; XXXX and do not expect to pay {$20000.00} to Ocwen because they simply " could not verify the invoices. ''
Product: Credit reporting or other personal consumer reports

I have had problems in the past and my background checks are showing my XXXX  and arrest records that are XXXX XXXXXXXX. I do not have any XXXX  and I have turned my life to the XXXX and have been saved. But because of the background I am being turned away from job opportunities that can help me continue to change my life around. I am suffering with out being able to live Freed of my past and be successful in life because of the information provided is too much. It should only provide if I am an XXXX XXXX XXXX XXXXXXXX. I feel discrimination and untruthfullism in the facts that most employers don't discriminate. Did I waste my time being educated in the XXXX XXXX  field to only be turned away because of a XXXX?
Product: Student loan

I signed up for the SAVE plan in XX/XX/2024. I have been on deferment since they. They ask that I call and redo the deferment every 2 months. This has not been a problem up until now. I can't wait on the phone for hours waiting for them to maybe answer the phone. 
They aren't responding to emails through their website. I had a payment due on the XXXXXXXX XXXX XXXXXXXX that I wasn't able to make. I needed to get in contact with them about this but it is impossible to get a hold of them. 

I was on hold XX/XX/XXXX for XXXX minutes starting at XXXX and then XXXX hours, XXXX minutes starting at XXXX I sent an Email through their website on XX/XX/XXXX asking for help. 
I was on hold XX/XX/XXXX for XXXX minutes starting at XXXX. I signed up for their call back and received a call at XXXX. They faked having bad service and just hung up on me. My service was fine. 
I tried calling again XX/XX/XXXX and the wait time was XXXX hours which was after they close. 

I can't get a hold of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/15 I spoke with the company and told them I never approved of a hard inquiry but It was done anyway. Call and was sent to voicemail.
Product: Prepaid card

Not able to access direct deposit funds. Call member services for Rushcard and all I get is it should be available soon, we are working on the problem, and we had a system outage. This has been an unacceptable issue for way to long. My bills do n't wait for apologies. If this issue was truly caused due to a system switch, would n't make sense to go back to doing it the original way until you tested the new way before you implement the new system. 

If that is truly the case this was a tremendous fail with no back up plan and no concern for hardworking consumers
Product: Money transfer, virtual currency, or money service

My Coinbase account as been on temporarily disabled for over 6 months. I tried contacting coinbase through there support. After numerous tickets and complaints number from Coinbase itself and up till now I still cant get access to my account to withdraw my funds. 

Here are the ticket and complaints number. 
XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX. On XX/XX/XXXX { XXXX XXXX XXXX XXXXXXXX XXXX  XXXX introduced a new app featured named. XXXX XXXX linked to Checking Accounts giving cash advanced based on Direct Deposits. 
XXXX. I utilized this XXXX XXXX feature in XXXX. 
XXXX. Thereafter I used the XXXX Credit Card as I did previously with excellent payments on my account. 
XXXX. Upon notification of account late payment delinquency of XXXX days from credit reporting agencies ( XXXX, Transunion ) XXXX score dropped down due to XXXX payments reported by Chime Credit Card for XXXX and XX/XX/XXXX. 
XXXX. Out of great concern for my credit rating on XX/XX/XXXX and XXXX I contacted XXXX XXXX this abnormal reporting. 
XXXX. After investigations on XX/XX/XXXX I was told I made payments to my Credit Card for XXXX and it also revealed XXXX DID NOT NOTIFY their customers that by using the new XXXX XXXX feature XXXX payments posting made to XXXX Credit Card and required customers to Manually Enable payment posting to show up on monthly statements. 
XXXX. After this information from XXXX I located this new tab to Enable payments to pay Credit Card, and usage and past payments will reflect not reflect until XXXX statement. 
XXXX. However, it was no fault of my own but it was XXXX who in Error to offer the new feature of XXXX XXXX linked to my checking account that wrongfully harmed my consistent payments posting made to my Credit Card account for XXXX XXXXXXXX and did not inform customers they must now must Enable payments when it was previously an automatic process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I contacted the company and told them i was a victim of identity theft. here and does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX Funding Balance {$130.00} 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 XXXXXXXX re the company XXXX I attached a copy of credit report as well. i could not attach on the next page Pleease romove tise Inquiry XXXX XXXX XXXX  ServiDate of Inquiry : XXXX Contact : XXXX XXXX, XXXX, SC XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX : XXXX Contact : Not Available Inquiry : XXXX XXXX XXXX XXXXXXXX : XXXX Contact : Not Available Inquiry XXXX XXXX  of Inquiry : XXXX Contact : Not Available Inquiry : XXXXDate of Inquiry : XXXX Contact : Not Available
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX