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

The debt has been paid and is still being reported as collections. For XXXX XXXX account
Product: Mortgage

Normally, a buyer in CA inherits the sellers tax basis and a supplemental tax bill that the buyer pays in the first year adjusts the sellers basis to the buyers basis. 

When a buyer takes an impound account for taxes, the originating lender should adjust for the actual basis, not retain the sellers basis ( which is often lower ). 

What Bethpage did, and escrow permitted here, was for us to inherit the sellers SELLERs XXXX basis, which was only {$1000.00} per year ( {$88.00} per month ). This borders on negligence because they all knew our impound account would get slammed with an adjustment at a day in the future. 

So we closed in XXXX of XXXX, for a 7 year fixed loan, with a monthly mortgage price of ~ {$5400.00}. A year and half goes by, and we are blindsided by " an escrow deficit '' and our new mortgage payment is now ~ {$6800.00}, which was automatically withdrawn in our most recent mortgage payment, introducing financial hardship to my family and I. 

Bethpage was HORRIBLE to work with before and after the closing of our home, but this " error '' is unacceptable, and appears to be a " bait and switch '' to make sure we closed, as we had shared prior that anything higher than the ~ $ XXXX payments would be too much for us, and we would not purchase this home.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XXXXXX/XX/XXXX and XX/XX/XXXXXXXX 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment resulted from a misunderstanding regarding the payment due date, which was incorrectly communicated to me by XXXX XXXX. I made the payment on time according to the information I had, but due to this miscommunication, the payment was recorded as late. This does not accurately reflect my payment behavior, and the late payment mark should be removed. 
Evidence Provided : Bank statements showing the payment was made according to the information provided. 
Correspondence from XXXX  XXXX acknowledging the communication error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 


2. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

Receivables Performance # XXXX ( XXXX, XXXX, WA XXXX ( XXXX ) was paid in full {$340.00} re : orig creditor, XXXX, XXXX and it states they were paid in full on my XX/XX/XXXX credit report. I have called them : NO RESPONSE. Why do n't they remove this " Adverse Accounts '' info when I fully paid them years ago?
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX is breaking the consumer law pertaining to XXXX XXXX Account # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this is resolved I will have no choice to move forward with litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  is reporting this repossession inaccurate on my credit report. First  XXXX  and Equifax is reporting a monthly payment of XXXX. It is a violation to report a monthly payment on a repossession as the car is no longer in my possession. XXXX  and XXXX  is reporting a month term. This car is a repossession it should not report a term length. 

XXXX is reporting the date of last activity as XX/XX/2019. XXXX  is reporting XX/XX/2019. Equifax is reporting XX/XX/2019 Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681B premissible purpose This company is in violation of the fair credit act.. I did not give permission or consent or signatureFor them to be reporting anything on my credit report I would like this account removed immediatelyRemove this account permanently from my credit report it does not belong there I have a right to privacy Orions management grou. Date opened, XXXX. Bal, {$4100.00} XXXX XXXX. Date opened, XXXX Bal, {$610.00} XXXX XXXX. Date openedXXXX XXXX. Bal, {$890.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.
Product: Checking or savings account

I bank with First Citizens Bank in XXXX, XXXX. The bank employee called me to solicit me to enroll in a fee-based fraud protection program. I expressed that I had never been a victim of fraud, but she impressed upon me that I could be a victim at any minute. Following her advice, I signed up for the service. After 4 weeks, I decided that I no longer wanted the service and wanted to cancel. The bank refused to cancel the service unless I signed a document stating that I would hold the bank harmless and indemnify ( pay them their costs and legal fees ) any of their losses/ damages for any reason ( including if the bank employees embezzled funds, or if they were fined by a regulatory agency related to my account ). The document also required me to affirm that I had already been a victim of fraud, which was a false statement. I told them I would not agree to these terms, and they are refusing to cancel this fee-based service. I stopped by the bank this afternoon and, after waiting almost an hour, was told that they will not alter the document.
Product: Credit card

Someone called me posing as citibank which I have a credit card with. They said I have unrecognized charges on my account. This person got a fair amount of information out of me including my social security number and then offered me a job. I began to realize this is a scam and got off the phone. I have since changed my credit card number and debit card number. 
A few days ago I got an email from XXXX XXXX  saying I had unrecognized charges on my account. I have not used XXXX XXXX  in several years. I contacted XXXX XXXX to dispute the charges the person wanted me to open up XXXX XXXX, this I refused to do, he hung up the phone. 
Someone took it upon themselves to pay for my virus protection XXXX with out my consent. I had intended to close down the computer and not pay the virus protection fee. 
I contacted the bank XXXX XXXX bank and disputed the charge the bank issued a new debit card number. 
Somehow the new debit card number was obtained and tried again. That person then tried to pay for my virus protection with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

have sensless information reporting on my credit thats not mones. student loan collection??? I need this removed from my credit.I feel the goverment dosent care about people and someone used my information h=getting this credit in my name I need it removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Potentially Negative Closed Account Name XXXX Account # XXXX Account Type Bank Credit Cards Balance {$860.00} Past Due {$860.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Unknown Account Name XXXX XXXX XXXX Account # XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX   Potentially Negative Closed Account Name XXXX XXXX XXXX   Account # XXXX Account Type Bank Credit Cards OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX  Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX Account # XXXX  Account Type Student Loans Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Unknown Account Name XXXX XXXX XXXX Account # XXXX   Account Type Other Collection Agencies Balance {$2600.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX  Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  Account # XXXX  Account Type Federal Government Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Paid, was a collection account, insurance claim or government claim or was terminated for default XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX   Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX  XXXX Account Type All Banks Banks and S & Ls Balance {$860.00} {$860.00} Past Due {$860.00} {$860.00} Date Opened XX/XX/XXXX XX/XX/XXXX Account Status Closed Closed Mo. Payment {$0.00} {$0.00} Pay XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Unknown Account Name XXXX XXXX   XXXX Account # XXXX Account Type Factoring Data Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Potentially Negative Closed Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX   Account Type Federal Government Balance {$0.00} {$0.00} Past Due {$0.00} {$0.00} Date Opened XX/XX/XXXX XX/XX/XXXX Account Status Closed Closed Mo. Payment {$0.00} {$0.00} Payment Status High Balance {$2600.00} {$4000.00} Limit {$0.00} {$0.00} Terms P 36M 036 Months Comments XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Type Collection services Balance {$2600.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Mo. Payment {$0.00} Payment Status High Balance {$0.00} Limit {$0.00}
Product: Credit card or prepaid card

I've been a user of Citibank XXXX XXXX credit card for more than 15 years, and kept my balance clean and used only for emergencies. 
I've always have paid it in time, and never had an issue with anything. 
I used it this year for unexpected expenses and I just noticed that they started charging me for a service I never requested ( XXXX ). 

The people at Citibank and as well as XXXX made it very difficult to find the right department to talk to, and the service has been cancelled, but they could not guarantee that they will reimburse all the charges they have been including regarding that service. 

This seems to be related to a practice for which Citibank was already fined back in 2015
Product: Vehicle loan or lease

I purchased a new XXXX last XXXX, which went into the shop the following day for warranty issues, where it stayed for months, and ended up being a lemon. The process took far longer than they said it would, and I continued to make payments on my car loan to stay current. After the process was finally completed, they paid off my car loan, which was through XXXX XXXX, also know as Hyundai Finance, with an overpayment in the amount of just under {$4000.00}. I called after three weeks went by and hadn't received anything, and they told me it could take up to 6 weeks. I don't understand how processing a refund could take XXXX weeks, but I waited the addition three weeks and called back, and they still had not processed anything. I waited a seventh week and called back again, and they still had not processed anything. I asked them if they would be paying me interest on my money that they are holding, and they said no, which is wholly unfair, since I had to pay them interest to borrow their money. It is almost 8 weeks now, and they still have not processed my refund. If there is no regulation requiring them to process refunds in a timely manner, I would be shocked, and there should be. Hyundai needs to stop stringing me along and pay me the money sitting in my account, which was paid above what was owed on the vehicle.
Product: Checking or savings account

I received a letter yesterday from Truist bank that XXXX of my children 's old custodial accounts ( opened at Suntrust several years ago ) had been overdrawn, allegedly " for several weeks. '' The letter was dated XX/XX/XXXX. 

I had no knowledge of ever overdrawing any of my accounts. I received no notice in the mail of an overdraft, no online banking notification, no email, no text, statements. I received no phone call or voicemail. I had no knowledge of it ; I don't even know what kind of transaction could have been made to cause an overdraft. 

The letter informed me that the account had been overdrawn for weeks without me doing anything to correct it, so it was now charged off and in debt collection. 

They added a {$30.00} charge-off fee to the alleged overdraft balance of {$14.00} and asked that I send payment for {$44.00} dollars in an included envelope. 

I've searched through my online banking. I can no longer find any account information for this account now that they've closed it. 
I can't see any viable documentation to substantiate the allegations and demand of this letter. 

I had been a Suntrust account holder for a very long time and have never overdrawn any of my accounts before. 

I called the number on the face of the letter today, XXXX times to try and resolve this. I was answered by an automated system which placed me on hold and then sent me to voicemail. The recording said " They are not taking calls due to high call volume. '' When the automated system first answered, it prompted me to enter the XXXX phone number from which they left me a message to call them ( they never left a message. ) I entered both my number and my former number, though, but neither of was a match in their system. 
I then called Truist 's main number to work on the issue, but the representative was only able to transfer me to the line I couldn't get through to. 
Every facet of this matter seems like illegitimate/predatory banking practice. 

I'm being asked to pay something I'm unaware of owing with no supporting documentation or prior attempt to reach me and no means of communicating with Truist except an envelope to send them money.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I attempted to unfreeze my Experian account. A vendor made an inquiry and failed saying that the account was locked. I then had to unlock. The vendor made the inquiry so I refroze the account 4 days later. I was unable to re-lock the account online. I attempted to contact Experian by phone and it was an absolute nightmare. The phone system is solely designed to frustrate consumers so that they give up and go away. It is practically impossible to contact a human. The first representative actually hung up on me! They would not listen to the fact that another company had paid for the upgraded service due to a data breech and made it extremely difficult to reestablish the lock. This company has zero interest in providing the services for which they are contractually obligated, nor are they interested in helping consumers who have no choice because they have confiscated our data.
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against Sequuim and XXXX XXXX for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide XXXX disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each XXXX was initially sent to all companies on XX/XX/2024
Product: Checking or savings account

I direct deposited over {$6000.00} into Juno financial which they stated was held by bank and trust. Evolve bank and Trust shows a XXXX balance and does not indicate where my cash is or where it went. I have over {$6000.00} in documented deposits that both Juno Finance and XXXX XXXX  have frozen in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have all 3 credit bureaus frozen as I have had my identity stolen twice. I have logins for each bureau so I can temporarily unfreeze my credit as needed. I was able to login to XXXX and XXXX however, I have been unable to login to EXPERIAN. I tried all of my logins and none worked so I clicked on " forgot user name '' and " forgot Password '' and experian takes you to a screen where you input your Birth date and Social Security number to get a reset emailed to you. When I do this, it goes to an email that is not mine nor ever has been so now I assume my credit login with Experian has been hacked. I have tried over 7 phone numbers for Experian and none of these numbers, no matter what you ask for " agent '', " customer service rep '' will allow you to talk to a human and the automated system can not assist with this. I need to know first if my credit is still frozen and I also need to make sure someone hasn't fraudulently logged into my credit bureau and report. I followed the instructions for login issues and how to submit a letter request for help and have heard nothing back, this was over a month ago. So I am literally being held hostage by this and unable to obtain any new credit as I can not unlock my credit report. I desperately need assistance as there is no one I can get ahold of there! Please help! I need a phone number directly to a " HUMAN '' and assistance in resetting my user name and password. 
Here is what shows when I try to reset user name or password, I have never had an XXXX email so this is not my email. The reset is going to someone else 's email, so scary! 


We have sent your username to the following email address : XXXX XXXX
Product: Mortgage

SLS ( Specialized Loan Servicing , LLC ) will not send monthly statements, their web site is always down and the folks there are very rude, I believe I 'm being charged too much on my mortgage interest. They pay our state property tax late even though I send it early costing me more, we get no monthly payment, or payment booklet statements what so ever on any thing except at the end of the year for Federal tax purpose, there is a web site with XXXX of complaints on this company, someone needs to look into their in my opinion illegal practices..
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company 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 XXXX 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 XXXX  days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( 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 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, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
Product: Vehicle loan or lease

Kia Motors finance has reported 30 day on this car lease account which was due to COVID19 and Kia motors offered deferment/ forgiveness of payments and late fees due to disaster conditions. Stated they would not be damaging my credit for offered differed payments HOWEVER, THEY DID REPORT 30  DAY FOR XX/XX/2020 AND XX/XX/2020 ....