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

My account with XXXX XXXX XXXX XXXX  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 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 XXXX XXXX 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: Bank account or service

Citibank sent me a promotion in XXXX 2016, offering XXXX thank you ( TM ) point after opening their Citigold account and XXXX bill payments over XXXX months ( please find attached scanned promotional letter in jpg files ). The account was opened on XXXX/XXXX/16 and XXXX bills were paid on XXXX and XXXX ( statement attached ). I have contacted the Citibank representative by online chatting and confirmed the fulfillment of the condition with their representative twice ( in XXXX and in XXXX 2016, please find XXXX and XXXX ). The requests of bonus point claims were denied twice after their lengthy 'investigations ', insisting my bill payments have not fulfilled their condition. It is clearly contradicting their correspondence in XXXX 2016.
Product: Checking or savings account

I have called through put the years regarding to overdraft fees being accessed on my accounts hight XXXX on my Wells Fargo credit cards no reductions and I Hvae been a member well over 13 years with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out all that was required of me by Experian, but yet again they are stalling. If these Fraud Alerts are not deleted, I will also file a XXXX report.
Product: Credit reporting or other personal consumer reports

I RECENTLY PURCHASED A COPY OF MY CONSUMER CREDIT REPORT AND LEARNED THAT I HAVE " 27 '' UNAUTHORIZED HARD INQUIRIES ON MY CREDIT FILE HURTING MY CREDIT HEALTH. I DID NOT AUTHORIZE ANYONE TO MIS-REPORT OR FRAUDULENT USE MY SOCIAL SECURITY NUMBER FOR ANY PURPOSE OR MATTER WITHOUT MY WRITTEN CONSENT PLEASE REMOVE THESE FALSE INQUIRIES OFF IMMEDIATELY!!! 15 USC 1681B XXXX XXXX VIA DEALER XX/XX/year> 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 ( Finance ) XX/XX/year> XXXX XXXX XXXX  ( Bank ) XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX ( Finance ) XX/XX/year>XXXX XXXX XXXX XXXX ( Finance ) XX/XX/year>XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/year> XXXXXXXX XXXX XXXX ( Auto ) XX/XX/year> XXXX XXXX XXXX, XXXX ( Finance ) XX/XX/year>XXXX XXXX
Product: Mortgage

Hello, On the XX/XX/2023, I ( XXXX XXXX ) my daughter ( XXXX XXXX ) who is the XXXX XXXX in Kentucky, XXXX. Borrowed and Sent my mortgage lender with is Shellpoint Mortgage to cover my mortgage. 

She sent {$2300.00} to Shellpoint. Which the information being used was sent to me via email by XXXX XXXX XXXX. ( Loss Mitigation XXXX XXXX ) On XX/XX/2023, XXXX XXXX called me ( XXXX ) and I inform her about the sent money. 5 days later, XXXX XXXX emailed me. Saying Shellpoint Mortgage has not yet receive the money my daughter XXXX XXXX XXXX sent with I have prove from my daughter bank. 

On that very day. I was informed by XXXX XXXX via email, that if they don't receive the funds in 3 days. Shellpoint Mortgage will return the grant HUB gave me back to the State. 

We couldn't afford {$25.00} been sent back, so my daughter went to her bank again, sent Shellpoint {$3800.00}. This time around in 2 days with the same account details, they received it. But shellpoint mortgage insisted that they never received the first {$2300.00} she sent. I have attached all the evidence that the first money was sent. 

Thank You XXXX XXXX
Product: Mortgage

I believe that do to my senior age and veteran clearly discrimination. Falling to honor there promising XXXX and XXXX house payment home appraisal quicken loans as failed to go thou with loan should fallow thou with promises {$3.00} XXXX dollars a year for 30 years.This complaint is about Quicken Loans primmest me XXXX and XXXX house payment plus to have a lower interest rate plus to save over, I was told I was approved for the loan did all the paper work via e singular went all the way up to closing. And has failed to tell me why. 

Quicken Loans www.quickenloans.com Visit site Thank you for working with us! 
XXXX / Inbox XXXX XXXX from Quicken Loans XXXX To : XXXX Wed, XX/XX/XXXX at XXXX XXXX Hello XXXX, We have been trying to reach you in order to proceed with your home loan. Unfortunately, due to regulations, we can no longer keep your loan in process. Your loan will be withdrawn today and the deposit will be processed if applicable. 

Please give me a call at XXXX XXXX XXXX XXXX, XXXX if you would like to revisit your opportunity to refinance. 

Sincerely, XXXX XXXX Solution Consultant XXXX Phone : ( XXXX ) XXXX ext. XXXX Fax : ( XXXX ) XXXX ( Please reference your loan number on the cover sheet ) NMLS # XXXX XXXX XXXX XXXX would like to start a support session with you. To do so, please click on the link below and follow the online instructions. 

XXXX XXXX XXXX  XXXX Quicken Loans remote support enables a team member to view your screen in order to assist you. Session traffic is fully encrypted to protect your system 's data. Once a session has begun, you will be able to end it at any time.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report incorrect information on the consumer account XXXX. There are several inconsistencies with the account. There are late payments listed that are incorrect and should be immediately updated. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XX/XX/XXXX Furthermore XXXX is reporting a 90 day late payment but XXXX and Equifax are not.
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 Consumer Financial Protection Bureau Subject : Complaint Against Experian for FCRA Violation Dear CFPB, I am writing to formally file a complaint against Experian, a credit reporting agency, for failing to accurately report my credit information and for not properly investigating my dispute as required by the Fair Credit Reporting Act ( FCRA ). 

**Account Information : ** - **Account Name : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I notified Experian reporting inaccuracies regarding the above-mentioned account. Despite providing supporting documentation and clear evidence that the reported information was incorrect, Experian has failed to conduct a thorough investigation or rectify the discrepancies in a timely manner.

The inaccuracies reported by Experian include [ briefly describe the inaccuracies, e.g., incorrect payment history, account status, etc. ]. As a result of these errors, my credit report does not accurately reflect my creditworthiness, which has negatively impacted my ability to secure credit.

Under the FCRA, credit reporting agencies are required to investigate disputes and ensure the accuracy of the information they report. Experian 's lack of action on my dispute constitutes a violation of my rights as a consumer.

In support of my complaint, I have attached the following documents : 1. A copy of my bank statement for the relevant period, showing my account activity.

2. A screenshot of my account, clearly reflecting a {$0.00} balance.

I kindly request that the CFPB investigate this matter and take appropriate action against Experian for their non-compliance with the FCRA.

Thank you for your attention to this matter. I look forward to your prompt response.

Sincerely,
Product: Credit card or prepaid card

Someone try to apply for multiple credit cards : 1. My Best Buy Visa Platium / My best buy credit card and My best buy Visa Gold. 
2. Best Buy for a least - to own agreement with XXXX XXXX XXXX. XXXX XXXX XXXX credit product with XXXX XXXX All are denied by the company, but I am strongly concern of my personal identity.
Product: Credit card

PayPal opened a credit account without my permission. The charges on the account were paid on a Visa or MC credit card linked to PayPal. I tried to call PayPal to no avail. I wrote letters and sent them copies of the other credit card bills showing the charges there. They removed all charges except {$35.00}, which they insisted I owed, in spite of the proof that it was paid on another account. I have written to the Consumer Advocate for Pennsylvania but PayPal will not relinquish this {$35.00} charge. They have added penalties and now say I owe them {$120.00}! 
I have tried to do everything in good faith but they have continued to harass me, reporting this to XXXX collection agencies. This is honestly not about the money. I am not paying for something I do not legitimately owe. I am XXXX years old and have always paid my bills. I do n't know where else to turn for help.
Product: Debt collection

I was not notified of the attempt to collect on the debt. I recently found out about it when I looked into my credit report. I called the agency & they stated that they did not have my apt number & that the letters were returned back to them. They obtained my cc # from me. Also this was a car accident had I known about the bills I would have submitted them to my car insurance to cover them.
Product: Mortgage

In XXXX XXXX Bank is said to have the mortgage while pooling with Fremont Investment and Loan. It now turns out that XXXX XXXX is the major Trustee of the pooling. Also, the foreclosure that was filed in XXXX states that was another mortgage signed XX/XX/XXXX. Nobody has the mortgage and the note to this closing. There is however and Rider to the note that states the mortgage was signed XX/XX/XXXX. There is an addendum to the note that states it was signed XX/XX/XXXX. 
PHH who is the servicer since Ocwen is not allowed to do any financial dealings in all 50 bought PHH. They that it is a transcribable error. In XXXX the before documents were sent to XXXX Court as part of the package. The Limited Power of Attorney states that all of PHH companies has power of attorney. There is no names who has the power of attorney. the way it is written the corporation has to sign all documents, no individuals. i can send you all the documentation if requested. 

Thank you
Product: Debt collection

XX/XX/2022 AMOUNT OF {$920.00}. I XXXX XXXX XXXX XXXX have disputed this with the Bureaus and got back a verified letter stating the information is accuarte. However that is inaccurate since my legal name is said above and the name attached to this account is not mine. I am disputing this for a second time stating the information is incorrect and according to the FCRA when an item is in accurate and can not be verified is must be deleted.
Product: Credit card or prepaid card

THIS ACCOUNT WAS PLACED ON MY CREDIT REPORT AFTER IT HAD BEEN INVESTIGATED I RECEIVED A LETTER XX/XX/2019 FROM DISCOVER STATING THE ACCOUNT DIDN'T BELONG TO ME AND I WAS NOT RESPONSIBLE CASE WAS CLOSED. 

CONSUMER FINANCIAL PROTECTION BUREAU CASE # XXXX DISCOVER PLACED IT BACK ON MY CREDIT
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax removed ( incorrectly! ) the most positive item on my credit report. On XX/XX/XXXX, I sent Equifax a letter disputing three items on my credit report. They did not respond, so I sent the letter again on XX/XX/XXXX. The letter included a copy of the credit report with the disputes cross referenced to that report. They corrected one item, ignored one item, and decided one item was correct ( so this will be escalated further. ) But then - they took it upon themselves to decide that I had disputed two more items, which most definitely were not in the letters. One of these, a current XXXX XXXX credit card which is always paid on time, was the most positive influence on my credit report. They DELETED that credit card and subsequently my credit score as reported by them went down 12 points.
Product: Credit card

Subject : Urgent : Request for Expedited Reopening and Processing of Dispute - Scam and False Advertisement Case Number : Case Number : Case Number : Case Number : Case Number : Case Number : Case Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Capital One Dispute Management Team, I hope this message finds you well. I am writing to bring to your attention a matter of utmost urgency regarding a dispute that requires immediate resolution. I have been a victim of a scam involving the purchase of replica and unauthentic items, accompanied by false advertising. 
Details of the dispute are as follows : 1. Unauthorized Items and False Advertisement : I recently made a purchase, and upon receipt of the items, it became evident that they were replica and unauthentic, deviating significantly from the description provided in the advertisements. 
2. Contact with XXXX Authorities : To address this issue promptly, I have already contacted the XXXX authorities to report the fraudulent activities and seek their assistance in investigating the matter. 
3. Failed Attempts to Resolve with Merchant : Despite my attempts to contact the merchant for a resolution and return of the items, I have received no response. Their lack of communication and refusal to address the issue further necessitate your intervention. 

4. Providing Supporting Evidence : Attached to this email, you will find comprehensive evidence supporting my claim, including photographs of the received items, proof of the advertised item descriptions, and documentation highlighting discrepancies in the invoice numbers and items ordered. 
5. Confirmation from Authentic Brands : I have also acquired letters from the authentic brands, XXXX and XXXX, confirming that the items I received are indeed not authentic. These documents further solidify the fraudulent nature of the transaction. 
Considering these circumstances, I kindly request that you urgently reopen and expedite the processing of my dispute. The prompt resolution of this matter is crucial, as I am facing financial repercussions due to the fraudulent transaction. 
Your immediate attention to this issue is highly appreciated, and I am confident that, with the evidence provided, you will be able to facilitate the return of funds to my account without undue delay. 
Thank you for your prompt assistance in this matter. I am available for any additional information or clarification you may require. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I took out a personal loan with USAA. A few days later I opened a checking account with USAA. I received the loan proceeds in the mail and mailed the check using a deposit slip to be deposited into my USAA account. The check was deposited on XX/XX/year> and there is a hold on the funds over the {$5500.00} threshold. However it is an On-Us transaction and they will not remove the hold, which is lifted on XX/XX/year>. The reason I was told is their automated system said the hold can't be removed. They didn't offer to let me speak to a manager for an exception.
Product: Credit card or prepaid card

Capital one took a payment on XX/XX/23 and due to a banking issue it was returned XX/XX/23 and corrected on XX/XX/23. The account was closed on XX/XX/23 and reported to my credit reporting. I am protected under the SCRA act and this card is honored by capital one under that. When called to explain the situation and SCRA credit protection, I was told they do not know much about it but that it violated terms and conditions at the time of opening.
Product: Debt collection

company is on my credit report for unpaid XXXX charges. I have always had insurance and i have called for information on this account and can not get information off my report..I have filed several disputes. I have never used this facility and I have always had insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice for a Cease and desist.I XXXX, XXXX the Authorized Representative for XXXX XXXX has been unfairly treated due to the nature of improper credit reporting and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. I refuse to be an implied surety/debtor. These are few of many violations done on my good name ; which breaks the law. These listed Violations are based on breach of fiduciary duties TILA, FCRA, GLBA, CFPA, THE Sherman Antitrust Act, FTC Act and RICO Act As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I disputed an account on my credit report with a factual error with XXXX  / XXXX   XXXX  which came back verified even when I have a letter from the creditor in dispute that I will attach to this dispute saying that the account is no longer with them, so then how did EQUIFAX verify this?????? EQUIFAX has failed to do a proper investigation. I demand that EQUIFAX provide the method of verification under section 611 of the FCRA or delete this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Make mountly payment befor its late and but one payment on XX/XX/2023 payment is showing late on credit report. I tried to make payment before 30 day mark using automated system but was not granted access until after which cause payment to be late. I call to XXXX and XXXX XXXX  said they could not do anything
Product: Credit reporting or other personal consumer reports

XXXX and Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX and Equifaxs inaction violates federal law and my rights as a consumer.
Product: Debt collection

There is a World Omni that was reporting on mine and my husband 's credit report. We have asked for validation of debt and they won't send anything. We have disputed it with the bureaus and they won't send anything. Please help the amount does not look right and they won't give us anything.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. As a result of this breach, fraudulent accounts have been opened in my name. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request that the following accounts be blocked and deleted from my credit report. 
Fraudulent Accounts : 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 XXXXXX/XX/XXXX
Product: Checking or savings account

Date & Time : XX/XX/2021 at XXXX Location : Mechanics Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , CA XXXX I arrived at XXXX PM and I was allowed into the building only to be told " we closed the vault and we can't print you any checks ''. 

I was supposed to buy a car that day and as a result of the two workers there not allowing me access to my funds I was forced to rent a room in a seedy hotel which cost me {$70.00} to wait until the morning. I am asking for compensation for my room and board due to mechanics banks neglectful business practices as well as travel expenses and any further monetary damages resulting from the employees unwillingness to print me a check. I have a rental to bring back that is located in XXXX XXXX, with this delay I can infer that the return of the rental car will be delayed and I will be charged for any extra time.
Product: Money transfer, virtual currency, or money service

The company is PayPal, they been holding my money for more than 180 days, i cant access my account since I dont have my old number the one associated with the account, they have the worst customer service ever, I been emailing them trying to solve the problem as their call center is closed, I XXXX trying to resolve this problem for over 3 months now emailing them every single day to get simple responses as just log in? Like didnt I just explain that I dont have access to the account?
Product: Student loan

My student loan is held by Pennsylvania Higher Education Assistance Agency ( myfedloan.com ). On approximately XXXX XXXX, XXXX, I submitted an application under the XXXX program to have my loan terms reevaluated. I was informed that my application was approved approximately 30 days later, and the servicer would be issuing me a {$5.00} bill that once paid would then bring me out of the IBR program and into the XXXX program. As of XXXX XXXX, XXXX, my student loan servicer has not finalized my approval under the program or issued me the {$5.00} bill to allow me to opt out of my current income-based repayment program. When I have complained numerous times to them about the delay, they inform me that the process is slow because they have too many applications but they are doing their best they can with their resources. Thus, it has been nearly 90 days and Pennsylvania Higher Education Assistance Agency has not taken any concrete action on my application. Clearly, by Pennsylvania Higher Education Assistance Agency 's own admission, the federal government is contracting with them to service too many loans in excess of their capability.