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

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

( CREDITOR NAME ) never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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: Mortgage

I paid off a mortgage on XX/XX/2022 and still havent been reimbursed my remaining escrow balance. The servicer, XXXXDovenmuehle , just informed me of an additional 30-60 day processing period if I would like the payment resent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Bankruptcy Case Number : XXXXXXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Bankruptcy Case Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name XXXX Account name XXXX XXXX XXXX Account name XXXXXXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX Account name XXXX XXXX Account name XXXX Account name XXXX XXXX Account name XXXX XXXX Account name XXXX XXXX Account name XXXX  Account name XXXX XXXX  XXXX Account name XXXX XXXX Account name XXXX XXXX  XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX  Account name XXXX XXXX XXXXXXXX XXXX Account name XXXXXXXX XXXX XXXX Account name XXXX XXXX Account Number : Account Name : XXXX XXXXXXXX XXXX  XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions .

15 U.S.C 1681c. ( a ) ( 5 ) Section 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 crime which antedates the report by more than seven years.

15 U.S.C 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: Checking or savings account

On Thursday XX/XX/XXXX, Capital One made a statement that a technical issue experienced by a third-party vendor has temporarily impacted some of Capital Ones services, including payment processing, deposits and its consumer, small business and commercial banks. '' I get my direct deposit on Thursdays, Fridays the latest. Due to my ACH being withheld I have late fees on payments that I know Capital One will not be compensating me for. This has been more than an inconveince as the weekend is approaching and Monday, XX/XX/XXXX is a bank holiday so most of us will not be getting our direct deposit until a week later than when we are supposed to. Capital One representatives keep spreading false information of when we are expected to receive our deposits. When I created my account with them I put my trust into this bank to receive my paycheck 2 days earlier, or atleast on time. I expect to be compensated for the inconvience this has caused as not only am I unable to make payments, but purchase basic necessities such as food as I live paycheck to paycheck.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equfax security breach of my credit and millions of others. I am trying to place a freeze on my credit and you can not get through to these idiots. I have called the newly established 800 number and finally got though. He gave me the number of XXXX to call to place a freeze. 

I called the number and finally got through to an automated answering service, got through the menu and then when it transferred me to a live operator, I got a busy signal and no way out but to hang up and start over which I did. This time when it transferred me to a live person, I then got the message that it was not a working number. It 's their menu and their system and they are transferring me to a non working number? 

So I have now made three attempts to call the original XXXX number and ca n't get through. The phone gets answered. Then the music plays while I 'm on hold. Then the music stops and the line is dead. I hang up and try again. And again, and again, and again and you get the picture! 

I am livid! I go out of my way to protect my identity and my credit and these bozos allow my information to be stolen and now I can not get through to them to freeze my credit. I am XXXX.
Product: Debt collection

I received a letter in the mail stating I had a ticket that I owed money for. When I called to find out what they were talking abut they said it was for a speeding ticket in Illinois in 1999. I was nowhere near there at that time.
Product: Mortgage

In XXXX we enter into XXXX XXXX bankruptcy. We were discharged in XXXX. In the final year of our XXXXXXXX XXXX Fay begin a series of errors that was promptly brought to their attention through Notices of Error letters. Errors such as inaccurate monthly statements, using pre-petition money paid through the Trustee to pay ongoing post-petition mortgage payments, inaccurate arrears balance, inaccurate amount paid during bankruptcy, principle reduction payments, and making payment changes without the court or the Trustee approval. In XXXX of XXXX Fay declared that we were more than {$11000.00} in post petition arrears because of the mistakes that they made in misusing per and post petition funds. We made every payment per statement. We would receive a statement in XXXX that was due until XXXX because of this misapplication. These errors jeopardized our bankruptcy discharge. The Judge, in order to give us the discharge we worked so hard and sacrificed so much for suggested that Fay Modify the pre-and post- petition debt and granted them relief from stay for the expressed purpose of communicating with us to modify the debt. On XX/XX/XXXX we entered a temporary modification with the promise of a permeant modification if we made all the payments. We made three payments before receiving a phone call in XXXX of XXXX from a XXXX XXXX from Fay Servicing informing we that we met all the requirement for the permanent modification and that the documents were being prepared and we should get them shortly. We never stopped making our payments. XXXX called later asking if we received the modification documents they sent. I told him no we didn't. He promised to re-send them. To this day we have not receive a permanent modification So we kept making our payments. Fay returned our XXXX payment stating that we were in default some {$40000.00}. We have spent over five years of our lives to get back on track and now because of Fay Servicing errors we are in no better shape than we were over five years ago. Even before the {$11000.00} in XXXX of XXXX Fay should have alerted us of 45 day delinquency. They did not. At our age, we just want to be treated fairly.
Product: Debt collection

I pulled my credit reports XX/XX/2022 after receiving several letter from this company Midland Credit XXXX saying I owe a debt for XXXX for the amount of {$440.00} for account that was opened according to them XX/XX/2022 which I never opened. They are reporting this false account on my credit files. I have spoken to them on several occasions about this issue.
Product: Debt collection

I'm a victim of identity theft. Someone tried to open an account in Moneylion under my information and he successfully did. I found via my credit report notification. And when I was checking my mail i found 2 debit cards under my name. I called to the company about it and let them know I haven't know anything about your company why I'm receiving this debit cards. They asked me a number of cards to cancel them i gave them debit cards number on phone and they told me they have cancelled it. After that they gave {$990.00} loan to someone under my name and put this on my credit report it's hurting my credit score in my life i have never applied for any kind of loan. I'm very upset about it after speaking with them 3 times they are still giving loan under my name without my concern.
Product: Credit reporting or other personal consumer reports

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

Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to an inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redressor these violations.
Product: Credit card or prepaid card

Although USAA Federal Savings Bank ( USAA FSB ) has issued new cards for my account and the cards show active, the cards are consistently declined by vendors. When the cards were issued, I was told I needed to contact the USAA FSB MOET Team and respond to specific security and use questions. I did contact the MOET Team and responded to their questions on or about XX/XX/2022. My credit card doesn't work. 
I've called my POC at USAA who was working to resolve this issue, and as of this writing, she has failed to return my call. Additionally, I was promised a call back from the office of the CEO of USAA and as of this writing, that call hasn't come. USAA FSB responded to my previous complaint stating all was well because my credit card account has been reopened and that all I had to do was respond to some questions. Clearly, rather than ensuring everything is working as it should and then responding to my complaint, USAA FSB has responded prematurely and has not taken the necessary action to resolve my credit card issue. On XX/XX/2022, I was told by both the credit card department and MOET department that everything I needed to do has been done and that my credit card should work. It doesn't work, thus this additional complaint.
Product: Debt collection

This company fraudulently sued me for old credit card debt in the wrong jurisdiction. They were sending mail and legal documents to an address that is not mine, but that of my bosses HOME address in OREGON. She " returned to sender '' everything, because I do not live there. 

XX/XX/XXXX I received an entry of judgement from the XXXX XXXX court house. My boss brought me the letter because she thought it was important. It was an entry of judgement and a lien put on my property because I didn't respond to the lawsuit. This company didn't even give me a fighting chance to respond, not only that, they sued me in the wrong jurisdiction. I live in Idaho, the lawsuit went through Oregon. 
I immediately called the courthouse, they gave me the phone number to the " lawyer '' and I called. This is a call center. I spoke with a XXXX the first time I called. He couldn't tell me why they were sending communications to an address that is not mine. I asked him several times, couldn't get an answer. 
I called back a second time that day and spoke with XXXX. She informed me the suit was XXXX XXXX XXXX for XXXXXXXX XXXX Couldn't give me dates on when debt was from. I asked for a settlement offer, to get this taken care of because these people now have a judgement wrongfully against me and I don't have money for a lawyer to fight this. Settlement offer is for XXXX. 
I called today, XX/XX/2024, to pay the settlement in full. I spoke with XXXX again. He took my routing and account information for payment in the amount of XXXX. He could not give me a confirmation number but said a letter would be sent to me. I then asked him when the court would receive satisfaction of judgement and the release of lien, he couldn't answer that with confidence, either. 
These people knowingly sent correspondence to a wrong address just so they could take it to court and win a judgement against me because they knew I wouldn't receive it. This is fraud!! They gave me no fighting chance to even respond to anything!
Product: Mortgage

Four months ago I contacted Rushmore in regards to cancellation of my PMI insurance due to the increase of the value of my home by 30 %. The increase was due to rising home values and property improvement modifications. The request was denied due to loan to value ratio. I contacted Rushmore back and explained my loan amount is XXXX and my home value falls between 276-300k. I was instructed that if I wanted to proceed I would need to pay for an appraisal from a 3rd party appraiser of Rushmores choice. I agreed and never heard back. I contacted them back after not hearing back after sending my agreement form to move ahead with the appraisal. Months have gone by with no word so I contacted them again on XX/XX/18 requesting the same. I was instructed that the concern was closed and I was denied with no communication. I explained that this is unacceptable under federal Homeowners Protection Act. I was advised I would receive a call back within 24 hours after it was investigated. I have contacted Rushmore today via online chat requesting my call back and was advised that it can now take up to 48 hours for a response. This insurance should have automatically been removed in light of my perfect payment history over the last 12 years. It seems that my only recourse is to take Rushmore to  small claims court since no one in the customer service or PMI department can give me a clear answer as to why I am being charged an extra {$150.00} a month. 

My advice is to pursue small claims or talk to an attorney if you are ignored or wrongfully denied. Keep every letter and chat log, this will come in handy later on if it goes to court.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>. Since then, the account has repeatedly been updated as charged every month. this is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it and would be the third time, your neglect has violated my right, I am demanding a deletion of the following account : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally dispute XXXX failure to properly investigate inaccuracies on my credit report and to report my concerns to the Consumer Financial Protection Bureau ( CFPB ). This matter has caused significant financial harm and unnecessary stress, and I believe Equifax has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). 

In XXXX XXXX XXXX, I submitted a dispute to Equifax concerning inaccurate or unverifiable information on my credit report. Instead of conducting a thorough investigation and resolving the errors as required by law, Equifax either failed to investigate properly or dismissed my concerns without justification. As a result, the inaccuracies remain on my credit report, continuing to affect my financial standing and opportunities. 

I want to make it clear that I will continue to dispute the inaccurate information on my credit report until it is properly addressed. I expect my concerns to be taken seriously and not ignored. Equifax has a legal obligation to ensure accurate reporting and to perform proper investigations when disputes are submitted. Ignoring my concerns or failing to provide a comprehensive resolution is a violation of my rights under the Fair Credit Reporting Act. 

I am requesting the following actions : 1. A detailed and timely reinvestigation of the inaccurate information I previously disputed, including verification of the sources used to validate the data.

2. Immediate correction or removal of any information that can not be verified.

3. A written response detailing the steps taken to address my concerns and how Equifax plans to prevent similar failures in the future.

Additionally, I am asking the CFPB to intervene to ensure that Equifax complies with its legal obligations and addresses consumer disputes properly.

Enclosed, I have included copies of my original dispute letter ( s ), relevant documentation, and evidence to support my claims. If additional information is required, please contact me at the information provided above. 

Thank you for your time and attention to this matter. I trust that the CFPB will take appropriate action to protect consumers from XXXX continued negligence.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reports that I have been late 4 times. I have never been late. The dates that they have reported late via telephone care are different than whats reported on my credit report. I have never been late. 

Dates reported late XXXX XXXX XXXX XXXX 15 U.S.C. 1681s-2 ( 2 ) is a section of the Fair Credit Reporting Act ( FCRA ) that requires people who provide information to consumer reporting agencies ( CRAs ) to correct and update that
Product: Credit card

This company has called me every single day I mean literally about 3 times a day I cant even get any other calls with this kind of harassment at this point they owe me because of the harassing calls
Product: Credit reporting 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. 
Agency : XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy. 
* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent. 
* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent. 
* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights. 
* Late payments are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Because of that, I want these accounts immediately deleted off my credit report with all consumer reporting agencies. 

Attached are copies of their violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX
Product: Debt collection

I sent a letter to company named XXXX XXXX XXXX XXXX XXXX ( XXXX ) an disputed a account they said I had at XXXX XXXX XXXX XXXX! I have never had a mobile phone with XXXX XXXX XXXX. so then I got my XXXX report and I see they have put it on my XXXX acct. But it wasn't on there for years I don't know where it's coming from???
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX XXXX XXXX XXXX XXXX, Equifax, XXXX Dispute of Charge-Off Entry on Credit Report To Whom It May Concern, I am writing to formally dispute a charge-off entry on my credit report, which I believe is inaccurate and not compliant with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliancy requirements XXXX 

The inaccurate entry is as follows : Creditor Name : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX I dispute this entry on the following grounds : 1. Reporting Inaccuracies : Pursuant to the FCRA, creditors are required to report accurate and complete information to credit bureaus. However, the information provided regarding the charge-off is inaccurate. I have not received proper documentation or validation of this debt, and I dispute its validity. 

2. Lack of Notification : The FCRA also mandates that consumers be notified of any negative information reported to credit bureaus. I have not received any notification regarding the charge-off in question, which is a violation of my rights under the FCRA. 

3. XXXX XXXX Compliance : The XXXX XXXX Reporting Guidelines outline specific requirements for the reporting of consumer credit information. I believe that the creditor may have failed to adhere to these guidelines in reporting the charge-off, thereby rendering the entry inaccurate and non-compliant. 

I request that you conduct a thorough investigation into this matter in accordance with FCRA regulations and XXXX XXXX compliancy requirements. If the investigation confirms that the charge-off entry is inaccurate or non-compliant, I request that it be promptly removed from my credit report. 

Please provide me with written confirmation once the investigation is complete and any necessary corrections have been made to my credit report. 

Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX