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

My account XXXX was never late! I have had exceptional payment history 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 to be updated.

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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

LoanMe/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX My Wife and I had an unsecured loan opened on XX/XX/XXXX, for {$10000.00}. 
In XXXX of XXXX, my wife and I filed for Wisconsin XXXX XXXX, Voluntary Amortization of Debts, and were granted a Debt Repayment Plan from The Circuit Court of XXXX XXXX, State of Wisconsin. 
In XXXX of XXXX, our repayment plan was finished, and The Court ordered our plan completed, paid in full, and dismissed. 
This creditor continues to report to all three of the credit bureaus negative information. 
In XXXX, XXXX, and XXXX they reported nothing to the bureaus, then in XXXX of XXXX they started to report negatively again. 
This negative reporting continues to cost me thousands of dollars in interest and fees and is fraudulent because I have the documents from the court that say they were paid in full. They are maliciously reporting to the credit bureaus to continue to keep my credit scores extremely poor.
Product: Credit card or prepaid card

I have recently received an email and a letter claiming to be from American Express. Both the email and the letter are totally and completely untrue. I would like to report being lied to by American Express. I have attached both documents for your review. Both pieces of correspondence relate to a Bluebird account AmEx turned off on XX/XX/20. As I type today, XX/XX/20, the card STILL DOES NOT WORK, the app on my phone STILL DOES NOT WORK, and the AmEx website STILL DOES NOT WORK. I do receive an email every Sunday telling me how much money there is out there with my name on it that I am not allowed to use. These emails strike me as being a little perverse and cruel. Thanks! Stay Safe!
Product: Checking or savings account

On about XX/XX/XXXX I wrote a check to XXXX XXXX for {$2800.00}. The check was inadvertently deposited and cleared my account for {$3.00}. I was asked to provide a subsequent check for the difference of {$2800.00}. I wrote a XXXX check and this amount cleared my account. During this time, I filed a dispute with PNC to see what happened with the original check. On XX/XX/XXXX a debit adjustment was made on my account for {$2800.00}. I immediately called PNC to figure out what this adjustment was. I was told this was for a correction to the original check. I was told the adjustment could not be called back and I would need to contact XXXX XXXX to have them refund me for a duplicate payment. I contacted XXXX XXXX and was told they had not received funds. Over the course of the past 2 weeks I have gone back and forth between PNC and XXXX XXXX and was told the funds were sent by PNC but was told by XXXX XXXX the funds were not received. I visited a PNC branch on Monday, XX/XX/XXXX and worked with a banker to try to resolve this issue. He called the adjustments department and advised me PNC was waiting for XXXX XXXX to file a dispute on the original check which deposited for {$3.00} and the funds were basically sitting there. No one prior to this conversation provided me with this information. He was able to have the funds " forced '' out to XXXX XXXX. The next day, I received a call from PNC, advising me the funds had been sent to XXXX XXXX. This is not the bank XXXX XXXX does business with. I again called PNC, and was told because the bank XXXX XXXX does business with the fund had to be routed to XXXX to further transfer these funds to XXXX XXXX. It has now been 5 business days since I was advised these funds were sent out and XXXX XXXX has not yet received these funds. I have been contacted by a complaint manager named XXXX with PNC and was advised she would be researching my issue as of Wednesday, XX/XX/XXXX. I reached out to her today and was told she has no updates. PNC has not provided me with information on this transaction and can not track these funds after they were supposedly sent to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a complaint and Per FCRA section 605b Credit Reporting Agencies are required to remove & block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of inquiries which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX . According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Synchrony Bank closed all XXXX of my accounts without any warning. I'm shocked. All paid, XXXX balance, at once. No warning.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

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 U.S.C 1681. 
TransUnion, XXXX, XXXX all have different information reporting on my credit report XXXX XXXX XXXX account XXXX : XXXX XXXX XXXX XXXX account numbers : XXXX XXXX XXXX XXXX account numbers : XXXX XXXX XXXX XXXX account numbers : XXXX, XXXX, XXXX XXXX XXXX XXXX account numbers : XXXX, XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX XXXX XXXX XXXX  account number : XXXX, XXXX, XXXX 15 USC 1681 Section 602 ( A ) States I have the right to privacy 15 USC 1681 Section 604 ( a ) States a consumer reporting reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681n ( a ) ( 1 ) ( a ) states any person willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum. Also, any actual damages sustained by the consumer as a result of the failure or damages of not than {$100.00} and not more than {$1000.00}.

15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

CFPB Complaint - Prospect Mortgage XX/XX/XXXX Suspicion of double-selling and fraud I believe I closed a loan with Prospect Mortgage on XX/XX/XXXX because my note and Deed of Trust state Prospect Mortgage as the lender. I received a Notification of Transfer of Servicing from Prospect Mortgage in XX/XX/XXXX saying servicing was released from Prospect Mortgage on XX/XX/XXXX and that XXXX XXXX XXXX XXXX was the new servicer as of XX/XX/XXXX. <P/>I also received a letter from XXXX XXXX stating that Prospect Mortgage sold my mortgage loan to XXXX XXXX XXXX on XX/XX/XXXX. <P/>I contacted XXXX XXXX via telephone and asked who was the owner of my mortgage, and they stated XXXX XXXX was the owner of my mortgage. <P/>I contacted XXXX XXXX via telephone and e-mail and requested the dates when they owned my loan, and to provide who they purchased my loan from.XX/XX/XXXX via e-mail, XXXX XXXX confirmed that the mortgage loan was transferred to them effective as of XX/XX/XXXX. I requested from XXXX XXXX multiple times via email, phone and written mail who transferred the mortgage loan to them in XXXX. They have concealed the name of the transferring or selling party. <P/>I have contacted Prospect Mortgage multiple times requesting when did they sell the Principle and Interest of the mortgage loan. They have constantly referred to the date of XX/XX/XXXX as the date servicing and Principle and Interest were sold, and that they were sold to XXXX XXXX. However XXXX XXXX XXXX states the loan was sold on XX/XX/XXXX to XXXX XXXX XXXX, XXXX. <P/>According to XXXX XXXX, the loan was sold to them ( they became the owner of the loan ) on XX/XX/XXXX, but according to XXXX XXXX they became the owner of the mortgage loan on XX/XX/XXXX. <P/>My credit reports do not indicate any loan history at all with Prospect Mortgage. My credit report indicates a mortgage loan was opened with XXXX XXXX on XX/XX/XXXX Additionally, my credit report shows insufficient information which is hurting my credit score regarding the mortgage loan being reported to my credit file. <P/>Based on the information that has been provided by XXXX XXXX, XXXX XXXX and Prospect Mortgage, it has lead me to the suspicion that my mortgage may have been double-sold, or Prospect Mortgage was never really my true lender. For example, XXXX XXXX claiming they acquired my mortgage loan on XX/XX/XXXX, and XXXX XXXX XXXX claiming that Prospect Mortgage sold the loan to XXXX XXXX XXXX on XX/XX/XXXX. <P/>ADDITIONALLY, my account has never been credited for the Interest I paid from XX/XX/XXXX throughXX/XX/XXXX. Prospect Mortgage has stated that will just be on my HUD-1 Statement and will not appear on my billing statement, however the interest amount ( {$140.00} ) DOES appear on my first billing statement. <P/>I demand Prospect Mortgage explain how the same mortgage loan can be owned by two separate parties at the same time?
Product: Mortgage

Reverse Mortgage reported to have taken place on  XXXX   XXXX ,  XXXX  in TN.   XXXX   XXXX   regarding mortgage reported to have taken place but Mortgage  Servicer,   CeLink  in Michigan has not shared any information with new conservator. The former  Power of  Attorney for elderly  XXXX  man that obtained the reverse mortgage is suspected to have pressured him into taking out the mortgage. That Power of attorney has since been relieved of her position by the court and criminal charges are being considered. The new power of attorney and conservator is trying to stop the foreclosure and court house auction scheduled for  XXXX   XXXX ,  XXXX  in  XXXX  TN. The person being foreclosed on is  XXXX   XXXX   XXXX , has  XXXX  and multiple physical health conditions, the former POA placed him in   XXXX   XXXX   on  XXXX   XXXX ,  XXXX  and where he remains, unknown to family members until family found him. Evidence at this time shows that the mortgagee gave her POA in  XXXX  and since that time she violated her power by selling of other land property, used his social security benefits and retirement pension and funds from the reverse mortgage.  Mortgagee w ants to return to his home and arrangements can be made for him to return to his home if CeLink Mortgage  Servicer  will stop the foreclosure which the family believes was fraudulently conceived and executed by the former  POA and that Mortgage Servicer is aware of at this time. The mortgage Servicer was  contacted by email on  XXXX   XXXX ,  XXXX  and request was made by this complainant to stop the foreclosure. The sale of the property was delayed from  XXXX   XXXX ,  XXXX  to  XXXX   XXXX ,  XXXX  but that time has not been sufficient, and the mortgage servicer has not submitted needed documents about the mortgage to allow the family to take legal action against the former POA or the mortgage servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

Payment was paid on the due date XX/XX/year>XXXX  and a late fee of {$40.00} was applied. Company will not transfer to manager, only supervisor. Company does not list a phone to corporate office and will not transfer you to corporate office.
Product: Debt collection

I received a call from Direct Recovery Services. They asked for my social security number and would not tell me what the debt was they were calling about. I do not give this information over the phone. I called back 3 times and without my social security number being verified. I am awaiting verification from them in my e-mail. They were unaware of the original claim and the particulars of what it was for. From my best information, it seems to be a debt about mental counseling, which never happened. I was living at a homeless shelter at the time of their supposed inquiry. I was under XXXX County Health District and never received XXXX XXXX XXXX so this is a totally bogus attempt to rip off the government. Cease and desist would be in order and anyone trying to defraud the government should be rigorously prosecuted. Thank you.
Product: Prepaid card

I purchased XXXX XXXX gift cards of $ XXXX/each, totaling {$16000.00} for various business purposes earlier this year. Unfortunately through either a data breach or a card sequencing scam many of these card numbers were stolen and there was fraudulent activity on the cards. I am still out {$2000.00} in card value ( at XXXX point was {$4000.00} XXXX from the related fraud and the U.S. bank group, nor the group service the fraud complaints are resolving these issues in a timely fashion. I have provided them with all the requested data, and I think it is clear that this was all caused by an issue on their end and is not my responsiblity to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have had a credit card with Menards for many years. A short time ago they changed their credit card to Capitol One. I have always paid my bill in full when it is due. XXXX to me not only do I have a due date but there is also a set time which is eastern standard time to pay my bill. I was not aware of this requirement until last month. When I paid my bill the automated system told me it was paid late and I would be assessed a late fee and interest. I then looked at my bill closer and realized I had been charged a XXXX late fee and XXXX dollars in interest. I called in to complain and the rep credited the late fee showing on my XXXX bill. I received my XXXX bill which had no purchase charges just the late fee and interest from my pament made on XX/XX/2022. This is a predatory practice. My due date ends at XXXX. I should not have to deal with a card imposed time frame which is created to generate late fees and interest. The imposed time is XXXXXXXX XXXX.They refused to refund thecurrent late fee and interest on my XXXX bill. They also would not tell me which government agency I could file a complaint with. They were generally XXXX. I want my refund and then I will be cancelling my account. I appreciate your assistance with this matter.
Product: Bank account or service

Invested for retirement in a Wells Fargo time account CD XX/XX/2008. I have attached original documentation. Branch manager as well as corporate office have no information/record on this account or where money went. No details about this account other then rolled over XXXX/XXXX/2008. No other record of account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied to my credit union for a home refinance. At that time I was asked to unfreeze the " big three '' credit reports as I keep them frozen. I did this successfully with XXXX and XXXX without any problems. When attempting to unfreeze the transunion report online it could not locate my report and told me to call customer service. I called customer service on XXXX at their customer service number. They said I would need to call " the United States dept '' the following day during business hours via the same customer service number. I called them on XXXX during business hours. They told me they unfroze the report. I have repeatedly attempted to access my report through their online service to no avail. I called customer service a third time today XX/XX/XXXX at around XXXX XXXX. I was again told the credit report was unfrozen and that I needed to call the online service as that seemed to be the problem. My bank attempted to pull the report yet again and I received an email saying it was denied because my credit report was frozen. I was then told by the online service that they could not locate my credit report and to call customer service. This would be the FOURTH call to customer service with fingers being pointed from one dept to another.
Product: Credit card

XXXX XX/XX/scrub> 2023, I experienced significant issues with American Express ( Amex ) regarding travel benefits associated with my XXXX XXXX. I rely on Amex XXXX for its advertised travel protections and benefits, but this situation fell far below my expectations. 

I planned a trip to New York XXXX from XXXX, Maine, with my father and booked the entire trip through Amex XXXX. When preparing to return from New York, my flight was cancelednot once but twiceon a Saturday and again on Sunday. 

I contacted the number on the back of my Amex XXXX card to inquire about coverage for this situation and how I should proceed. Unfortunately, the representatives were unable to tell me if I was covered for trip interruption expenses. They also could not confirm whether I needed to stay at a lower-cost hotel to remain eligible for coverage. Despite my repeated efforts, I was not transferred to the appropriate department ( insurance ) because it was the weekend, leaving me unable to make an informed decision. 

The agents I spoke with both times recommended that I : Save all receipts. 
Continue staying at my current hotel. 
File a claim with Amex upon my return home. 
Following their advice, I extended my stay at the same hotel, resulting in just under {$4000.00} in charges for XXXX nights. When I returned and filed a claim, I was reimbursed only $ XXXX amount that does not come close to covering my expenses. 

Since then, I have been passed from department to department, including Amex XXXX and XXXX ( their insurance provider ), with no resolution. Amex has deflected responsibility, and I have been unable to receive a clear explanation or additional reimbursement for the lack of support provided during my trip. 

Desired Resolution : I am requesting a reimbursement or goodwill refund to cover the additional hotel expenses I incurred based on Amexs representatives recommendations and there lack of ability to transfer me to the correct department when it was needed. I relied on Amexs advertised travel benefits, and the lack of support during a stressful situation caused unnecessary financial hardship still affecting me. 

I trust that the CFPB will review this matter thoroughly and help ensure that Amex addresses this issue fairly.
Product: Debt collection

No knowledge of acct. never received notice and need this removed immediately due to FDCPA and FCRA violations ... debt has not been verified or validated. please remove at once. Strict violation of 15 USC 1692g. REMOVE AT ONCE