23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Equifax regarding an unauthorized inquiry. They asked for me to contact the company and speak with them. The company sends me a letter stating it is unauthorized and they will contact the credit bureau 's to have the inquiry removed. Submitted the letter from the compnay to Equifax multiple times and they have yet to remove this inquiry. I also asked for them to forward whatever proof they have to show this was in fact an authorized inquiry and they ignored my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage and the credit check was done by a company called XXXX. Transunion showed I had 4 accounts in Dispute. So the mortgage company called me and I called Transunion that day. The man I spoke with said he could see the errors and would remove them immediately. I advised the mortgage company and they checked again and the problem was still there. They checked again today which gave me XXXX hard inquiries instead of XXXX. I called Transunion today and asked that they only show because it was their error. The refused saying these would stay for 2 years. I want only XXXX inquiry to show as it will affect my credit for two years.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX BANK was never late! I have had exceptional payment history witH capital XXXX 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 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 XX/XX/year> 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 BANK Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to express deep dissatisfaction with the ongoing presence of fraudulent items on my credit report. After reporting this identity theft, I contacted the company linked to these fraudulent accounts. While they acknowledged the validity of the report, they cited an inability to provide records. However, they assured me that the fraudulent accounts would be swiftly removed. XXXXXXXX XXXX XXXX and XXXX XXXX XXXXXXXX. 
It is important to note that both XXXX and XXXX have already removed these accounts from their records after identifying and correcting an error. I find it baffling that your bureau continues to verify these accounts when the other bureaus have already removed it. I urge you to remove these accounts from my file, as they are riddled with inaccuracies, errors, incompleteness, or unverifiability.
Product: Money transfer, virtual currency, or money service

Thursday, XX/XX/year> I sent my husband that resides in XXXX, XXXX {$370.00} which is XXXX in XXXX. The transaction was supposed to be deposited in his bank account on XXXX and its now XXXX and he still hasnt saw the money. Money Gram had systematic issues either last week or two weeks ago. Customers like myself that send weekly transactions never was made aware of it. Some parts of XXXX had an outage of data service, similar to the XXXX XXXX XXXX  dilemma that took place in XXXX. Some of it has been restored and some business have moved on to another reliable data service in parts of XXXX. The money I sent my husband is floating around out there in the cyber world. Hes made multiple calls to his bank, Ive had dead end results with Money Gram. This is becoming extremely dangerous for my husband. The money I send is for our family and him to keep a safe place over their head and this is causing a great deal of anguish and fear to my family. I send money weekly and have been for over a year and half with Money Gram. This is the worst Ive seen it by far. I just want the money rerouted back to my bank account so that we can find another options to get this money to my family. XXXX may not be a lot for the working American but it sure is a XXXX of a lot to the non working class in XXXX.
Product: Credit reporting or other personal consumer reports

TRANSUNION REPORT ONE OF MY XXXX CREDIT CARD OVER THE LIMIT WICH IS NOT TRUE AND MYU SCORE WENT DOWNED XXXX POINT. I CALLED TRANSUNION CUSTOMER SERVICE AND THEY SAID THAT XXXX XXXX  XXXX ACCT CREDIT CARD ENDING XXXX IS OVER XXXX AND THAT IS NO TRUE THE ACCT IN QUESTION BALANCE IS XXXX WHICH LEFT ME WITH XXXX AVAILABLE TO USE. HERE IS XXXX XXXX  XXXX XXXX FOR YOU TO VERIFIER WHAT I SAID. I NEED TRANSUNION TO STOP TARGET ME AND GIVE THE XXXX POINTS BACK TO MY SCORE.ANY FUTHER DOCS YOU NEED DON'T HESITATE TO CONTACT ME PLEASE. 


XXXX XXXX
Product: Mortgage

I am a first time home buyer and I purchased a home using Stearn 's Lending Mortgage Brokers in XXXX 2016. I was failed by Stearn 's Lending and the apprasial company because I trusted what I was told by both the apprasier and the mortage broker. The apprasier valued my home for XXXX without considering the roof and the bank allowed this to happen. I am now in a hardship financial situation now because the apprasier that was selected by Stearn 's Lending to appraise my home did not appraise the roof for any damage or age issues. I questioned my Stearn 's broker about it and told her I was not happy that the roof was not apprasied and how could the life span of the roof not contribute to the value of the home. I asked for the appraiser to be contacted and asked to go back and appraise the roof but she said they were not able to interact with the appraiser because they were an independent company. That made no sense to me but sense I was a new home buyer and trusted her information I believed her. Now that I have closed on the house, I learn that there are XXXX roofs on the house with a hole in the left corner and dryrot all around the whole perimeter of the house. I 've had XXXX roofers look at the roof and both said they would not patch a roof with that much dryrot so my only option now is to replace the roof. That is XXXX plus for me to pay when it should of been addressed before I purchased the home. The roofer also noticed that part of the outside wall of the back of the house was not wood but actually plaster! I was told that the seller did that cheep repair just to sell the house but when it rains, that plaster is going to start crumbling. The seller also repaired the master bedroom celing by spraying a sealant instead of using sheetrock. Once again here is something that should of been reported by the apprasial because it was visually accessable to him but it was n't listed at all. I want CFPB to look into my problem because I am in a hardship situation and I feel like I was taken advantage of. The value of the home could not be what the apprasier set it as with a roof with dryrot and a hole in it. I feel like there was some sort of fraud or neglect by the apprasier and the mortgage broker to protect me and put me in a house that is totally functional. Since they did not protect me it has left me in a financial hardship and a home that may incure structure damage and be inhabital for me and my son to live in if I do n't get this roof and wall repaired. I am devistated, please help me. Thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I recieved a notification via all of my credit monitoring services ( i.e., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc. ) that my credit had decreased significantly. After reviewing the reason and doing research, I found out that my XXXX XXXX XXXX ( via XXXX XXXX XXXX XXXX XXXX ) was one month past due for the ~ {$45.00} " no interest monthly payment '' due on my XXXX purchase of a new XXXX XXXX. I then contacted TD Bank and explained that I never received a hard copy of my initial bill to set up payment. They researched what I said and concluded that they did not ever send a hard copy bill and reversed all late fees and explained what I needed to do to set up my online account to make monthly payments and bring the account current. Once I did that I called back to verify they could see that it was completed and they ( TD Bank ) confirmed it and advised that if I wanted my credit report to reflect this change and remove the deragatory past due remarks that I need to submit online credit disputes with all three credit reporting agencies ( i.e., XXXX, XXXX, and XXXX ) and send a letter to their credit disputes department. So I did that by XXXX XXXX to the agencies and on XXXX XXXX to TD Bank credit disputes, respectively. Then on XXXX XXXX, I recieved a credit reporting notification that the deragatory 30 days past due marks for XXXX and XX/XX/year> had been removed and my credit score reflected a XXXX point increase. Then on XXXX XXXX, I received a notification that TDBank had reviewed my request and determined that the past due remarks were correct. While they were correct, they did not address the fact that they made an error in not sending me my hard copy bill and that I upon being notified I rectified by paying the bill to current and setting up automatic payment for the remaining interest free balance. I would like the two months of past due payments removed completely from all of my credit reports. Reason, with my credit history of never having a late payment in 35 years and my actions upon notification of having past due payments along with no actual hard copy bill to trigger payment setup, I feel this request is warranted and should be supported. Thank you!
Product: Credit reporting or other personal consumer reports

After Checking my credit report from XXXX on XX/XX/XXXX I noticed that WAKEFIELD AND ASSOCIATES IN XXXX TENNESSEE ADDED 7 Collections to my XXXX Credit Report on XX/XX/XXXX, 5 of those collections were for Duplicate Amounts of {$510.00}, XXXX other 2 were for {$760.00} and {$1300.00}, All of the accounts were listed as opened in XXXX of XXXX and the Original Creditors are listed as XXXX XXXX XXXX of all I HAVE NOT BEEN TO A CIVILIAN HOSPITAL IN OVER 2 years, Secondly I am a Veteran and receive mostly all of my Medical care through the Department of XXXX XXXX XXXX XXXX  THE INFORMATION THAT WAKEFIELD AND ASSOCIATES IS ERRONEOUS AND CAUSING ME IRREPARABLE HARM AS WELL AS POSSIBLY CONTRIBUTING TO CAUSING ME A FINANCIAL HARDSHIP SINCE I WILL POSSIBLY HAVE TO PAY SOMEONE LARGE AMOUNTS OF MONEY TO HAVE THEIR ERRONEOUS REPORTING CORRECTED.
Product: Credit reporting or other personal consumer reports

I have no recollection of these alleged accounts and didn't notice them until they appeared on a recent credit report. I request debt validation and proof of claim for this account.
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 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : Account name : XXXX, XXXX. 
Account number : XXXX Account name : XXXX, XXXX. 
Account number : XXXX Account name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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 crimes 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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the account XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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: Vehicle loan or lease

1. As stated in my lease contract, I was required to make 36 monthly installment payments. I paid for each installment. The final payment was posted on XX/XX/2019. 

2. I wanted to purchase the vehicle at the end of my lease that expired on XX/XX/2019. I called Chase to attain a payoff quote on XX/XX/2019. Chase provided a 10-day payoff quote. The quote included two discrepancies. a. ) The purchase price stated in my contract is {$11000.00} and the purchase price provided by chase is {$11000.00}. b. ) The lease payoff quote includes a XXXX and additional monthly installment. I was informed this additional payment is non-negotiable and would be refunded if the payoff was made on or before XX/XX/2019 ( the day my lease expires ) 3. I have called Chase several times. I had them submit my case for review in their accounting department but was denied twice. The last time I called was on XX/XX/XXXX to which the representative said I am in the wrong. 

4. I visited a Chase branch located at XXXX XXXX XXXX XXXX, CO XXXX on XX/XX/2019. I waited two hours while the bank lobbied on the phone on my behalf to their motor vehicle department. 

In summary, I am owed {$38.00}. the purchase price varies and I should not have been charged the XXXX and additional monthly installment.
Product: Credit reporting or other personal consumer reports

Experian and other credit bureaus reporting incorrect information.
Product: Credit reporting or other personal consumer reports

I have contacted the 3 major credit reporting agencies about these very issues at hand. 
In accordance with the FCRA, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following accounts must be removed immediately : 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  15 USC 1681 Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, farther states that a consumer reporting agency can not furnish a account without my written consent / instructions.

15 USC 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 crimes which antedates the report by more than seven years.

Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furish 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 in accurate. 

I'm demanding that the accounts above be removed and deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX at XXXX pm est I tried to login on to my account to pay my bill the bill is due the XXXX of each month and since XXXX myhusband and I have been out of work due to covid we have been doing all we could to avoid the 30 day late mark on our credit each month I called explaining our situation and Citizens waived our late fees to day in particular when trying to log on the site was only giving me a payment post date of XX/XX/XXXX which would cause a negative report on our credit. As soon as seeing this I tried calling on my landline the wait was 30 min finally after holding get hung up on. Called back to another number after holding 9 min spoke to rep XXXX to see if there was anyway I could use a payment method to reflect payment post date of XX/XX/XXXX he advised he could submit with todays date but wont post until XX/XX/XXXX and he is not sure how this reports on my credit. I asked him to please get clarification as I needed facts as we are in the middle of refinance due to covid and not being able to afford mortgage payments and could not have a negative credit report. he said he spoke to his manager XXXX who advised that's the best they could do if it reports call there credit department! They do not know how the reporting office works. I am beyond frustrated as well as there is no disclaimer on the site advising cut off dates for payments to post! I made the payment on XX/XX/XXXX at XXXX but yet it had me use a post date of XX/XX/XXXX this is totally unfair Please delete the negative mark. I will be signing up for auto pay to avoid this from happening in the future I start a job on XX/XX/XXXX we have had no issues until now. And we really need to be able to refinance our home to avoid being homeless times have been VERY VERY hard and we are committed to getting things back right. Please help! 
Sine this i do see now they have the payoff cutoff time listed on their help section not on the payment screen. I also have an email confirming the date of XXXX payment and also a screen shot from there onsite message center where the rep advised me my XXXX payment would cover my XXXX payment. On XXXX the office of the chairmen contacted me and said there was nothing they can do since the payment would reflect 31 days. This is unfair business practices and i have screenshots of the payment page as well where there is no cur off time listed the payment page. due to covid my husband and i have been out of work trying to keep up with this payment as best as possible. We are trying to refinance our home and now this negative mark is hindering us going forward this shoul dnot be because i paid on the XXXX and they are saying because it was past there XXXX hour mark there is nothing they can do
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Equifax to see where they received information regarding a Bankruptcy for XXXX XXXX XXXX. I sent a letter to Equifax from the Clerk, U.S Bankruptcy Court showing I did not have a Bankruptcy on my account. Equifax did not send or show how they obtained this information.
Product: Checking or savings account

On XX/XX/XXXX I made two transfers from the available balance of my savings account to my external checking account. Later I was informed by Marcus that my transfer was denied dispute the funds already being removed. The representative was unable to provide me any information on why this happened. I then decided to close my account and transfer my remaining balance. I received the remaining balance the very next day on XX/XX/XXXX but the not two transfers I made originally. I called and was assured my transfer would be sent to my bank. I was advised that the funds was already withdrawn and there were no issues. I called again in XX/XX/XXXX to make sure that the funds were still being transferred to my external bank and I was assured that it was coming and I needed to wait 1-3 business days. Later that day I was then told my account was temporarily locked and under review. I asked to speak with a supervisor and was told I needed to wait until Monday. When I called today I was told they were not able to verify my information which is ridiculous because I went through all the prompted information and verified my identity several times. I was then told my external bank needs to verify my identity which is also ridiculous because I just received one out of the three transfers. I was then told I needed to fill out a form via mail in order to unlock my account and receive my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
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 USC 1681. 
Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX Account name : collection. 

Account name : XXXX  XXXX Account name : XXXX / paid off account. 

Account name : XXXX XXXX Account XXXX : XXXX / XXXX missing payment and repo, the account is open and paid on time. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. 
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 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 crimes 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.