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

My account with 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  days 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. 


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 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 XXXX
Product: Credit reporting or other personal consumer reports

My identity was stolen and a bunch of hard inquiries was place on my credit report that was made by me.
Product: Checking or savings account

I have previously used CFPB for this same issue ( filed on XX/XX/year> ) COMPLAINT ID : XXXX I am a deployed service member and have been experiencing severe financial issues due to Wells Fargos mismanagement of my account.

Last Month around XXXX XXXX, I contacted Wells Fargo after realizing they had locked me out of my advanced access to my account. I can only log on via my laptop and can only view the current statements I can not access anything else other than see the amount of funds. Their guidance was to either receive a link to my phone and send a picture of my ID or go to a Wells Fargo branch to prove to them I am who I say I am. Neither is practical or even possible because I am deployed. I explained this issue to them ; they continued to tell me the only two routes and failed to provide a reasonable alternative to verify myself. Due to the area, I am deployed to I can not receive SMS messaging as there is no cell service. We only have access to sporadic WiFi. 

After my initial complaint through CFPB ( XXXX XXXX ) A Wells Fargo member from the " Escalations Department '' called me. I was told to call the " account takeover '' department as they were instructed to give me an email address to send a picture of my ID to in order to verify me. This seemed helpful as I do have access to WiFi and would be able to manage that. However, after calling the department with this information, they still rejected to help me. They stated they were not aware of the situation and that I needed to call back in 48 hours.

My wife has a legal power of attorney for me during my deployments, I asked her to go to a branch for assistance, but they also denied her any assistance with my account.

After seemingly trying all routes and having to navigate this issue alone, with very little to no help from Wells Fargo, I decided to transfer some of my money to another one of my savings ' account with a different bank. Initially it seemed like it would work, but ( Im assuming due to Wells Fargo lock ) the on my XXXX XXXX account it states that the ACH deposit was rejected and returned to Wells Fargo on XX/XX/year>. This is not reflected in my Wells Fargo account and the XXXX dollars seemingly never made it to Wells Fargo. 

I can not stress enough how much of a burden this has been on me and my family. I can not send, access, or even transfer my funds. I am financially crippled and have no means of paying to sustain myself or family because of this due to Wells Fargo inability to assist me in a stressful circumstance. 

I have asked for supervisors, management, military liaisons, and anyone who could help me through this, but I always end up back at the same department saying the same things.
Product: Debt collection

I spoke to a representativewith and expressed to them that I was XXXX  at the time that the account was opened and placed on my credit report. I told them that t a lot of my belongings were lost in the process including my social security card. They advised that I would need to speak to a representativewith XXXX  I called them and they stated that they place the account in fraud.
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXX XXXX XXXX XXXX XXXX  You are reporting this collection as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

the address thats on the XXXX XXXXXXXX and the address thats on that XXXX is unknown. These should not be on my credit. I was never affiliated with that address. Someone that was associated to those address had to use my information. And created these accounts.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024, I sent XXXX XXXX a request for a settlement for a balance due. They did not reply. 

In XX/XX/2024, I sent XXXX XXXX a request for a 1099-C since they claim on my credit report that they have written off the debt. Write offs are income and should not be on a credit report. 

In XX/XX/2024, XXXX XXXX sent me a letter asking for verification of who I am, I replied with all information that I had. 

They have not replied. 

If they sold the debt, they need to update the balance to XXXX  They can not keep a balance if they were already paid for the debt. Also, they are creating a double jeopardy. 

If they have not sold the debt, they need to give me an opportunity to negotiate payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I disputed accounts on my credit report that were inaccurately listed with only XXXX and Experian. This has caused undue stress in trying to remove or validate this inaccurate information. This information appears from XXXX and keeps reappearing with different payment dates, payment amounts and even as a duplicate. 

In accordance with the fair credit reporting XXXX XXXX account # XXXX and XXXX XXXX account # XXXX are violating my my rights, which state that negative and outdated information can not reappear after it is found to be fraudulent and/or not validated. 

15 USC 1681 section 602-A states that I have the right to privacy.

15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent. 

I did not provide a wet signature or permission for these accounts to be reported nor should they be reported form XXXX. XXXX  consumer law prohibits reporting after 5 years. 

I demand that these accounts be removed from my credit reporting file.
Product: Credit card or prepaid card

I had a balance transfer # XXXX expiring on XX/XX/XXXX for {$3900.00}. Which would then go to 19.49 % on XX/XX/XXXX per their transfer agreement. So on XX/XX/XXXX I paid {$400000.00} to roll over to XX/XX/XXXX per their new offer. Somehow their system did not apply the payment to the XX/XX/XXXX balance at 19.49 % but reduced my other open balance transfer due XX/XX/XXXX which was {$4000.00} on XX/XX/XXXX to {$1200.00} which was at 0.99 % already! and instead of creating a new balance due for around {$4000.00} due XX/XX/XXXX it only shows for {$2200.00} at 0 %. I have called many times since around XXXX and talked to various customer service people that are clueless.I even went in person to a Citibank branch in XXXX XXXX and they got me on a special line to repeat it all again. That person at least credit me the 19 % charges for the month of XXXX of {$64.00} but nothing yet on the other months : XXXX $ {$44.00} ; XXXX {$68.00} and XXXX {$59.00}! Last time I called Citi XXXX weeks ago they said would be fixed in about a week! That would have been last week! I need all those amounts credited and my balance transfer to be due on XX/XX/XXXX for {$4000.00} at 0 % and the screwed up one due XX/XX/XXXX for about {$4000.00} at .99 % asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, this complaint is because I tried to work it out with the bureaus, and they are still not complying. I requested a debt validation letter from XXXX and the agency reporting these false misleading inaccurate accounts XXXX XXXX  XXXX XXXX and Santander ) nothing has been done to try and correct their inaccurate reporting. I specifically want them to send the application or contract used to open these accounts bearing my signature because that is my right as a consumer. I sent letters to XXXX the XX/XX/2022 and we are in XXXX the XXXX, and nothing has been done and I have not heard from XXXX, Santander or XXXX  XXXX XXXX yet regarding this matter which makes me assume they can't validate this debt which is supposed to be removed. The only thing I received from Santander was a letter saying they updated my accounts. These creditors are reporting without my consent
Product: Checking or savings account

My account was deactivated with wise and the monies that was in there ahas dissappeared
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020

Re : Letter to Remove Inaccurate Credit Information : To Whom It  May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX   DEPTEDXXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF EDXXXX   DEPTEDXXXX XXXX  XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XX/XX/XXXX DEPTEDXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car. I started an allotment i was gone on mission then the hospital. I never knew my payment was n't being taken out. The bank said they sent letters to my house but i was n't there. They had my number yet they never called to tell me there was a problem. The company is there for military in a big wsu and i have been with them for half my career. I ca n't see why they would put me in that position knowing it was unintentional. As soon as I found out I corrected it. But if they had notified me through the contact info and means that I gave them I could have corrected it like i did as soon as i found out. I have truly been stagnated because of this. I feel like they had a major part in the late payment with the lack of notification. They refuse to fix it with XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes, but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information. 

XXXX. My IRS tax transcripts, which were obtained and used without proper authorization. 

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.

2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose. 

XXXX. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations.

4. Immediate notification to all major credit bureaus ( XXXX, Experian, XXXX, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. 

This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will have no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 

I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the email address listed above. 

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.
Product: Mortgage

I originally was approved for a home loan with Caliber Home Loans back in XX/XX/2020 at a XXXX interest rate. I also originally obtained homeowners insurance with encompass and bundled auto insurance as well with a home insurance yearly premium at that time of {$930.00}. I later took the vehicle off in XX/XX/2020 of the bundled insurance bringing my home owners insurance premium up at that time to XXXX. I later refinance loan in XX/XX/2020 and my homeowners insurance yearly premium at that time again was {$1100.00}. In the refinance documents in XXXX Caliber had my yearly home owners insurance rate on the closing documents of {$1000.00}, which was {$100.00} short by 3 months. Now Caliber is saying my escrow is short {$310.00} due to caliber trying to play catch up to their error. Which is causing escrow shortage.I understand there are increases but my main concern is the shortage in my escrow account that shouldnt of happened based on caliber home loans mathematical error. I feel this is unfair, kinda swept under the rug when speaking with agents and is a very high personal concern of mine that was this may happen again.
Product: Vehicle loan or lease

I purchased a vehicle from a dealership with a loan from credit acceptance. The vehicle loan was for over XXXX. I could no longer afford the vehicle so I had informed them after making payments on the vehicle for about a year. They sold it at auction for {$1400.00}. and now I have an income execution for {$14000.00}. Why was this vehicle sold at such a high rate and only so little time the vehicle was well-maintained and in good shape they had waited almost 4 years to provide any kind of information as to why they had sold a vehicle so much money again I voluntarily surrendered the vehicle because I no longer could afford it. I was out of work now I have a judgment of {$14000.00} and theres no way that could be paid, I would like help with this situation Thank you
Product: Student loan

In XX/XX/XXXX, my student loan account was placed in administrative forbearance while the Department of Education recalculated my payment under the SAVE plan. The forbearance was set to last until XX/XX/XXXX. My loan due date has always been the XXXX of each month. 

In XXXX, I contacted Mohela, and they explained that due to the administrative forbearance, I would not need to make a payment for XXXX and that my next payment would be due on XX/XX/XXXX. This is confirmed in my XX/XX/XXXX statement, which shows no past due amount and indicates that my next payment is due on XX/XX/XXXX. 

On XX/XX/XXXX, I contacted Mohela again to inquire about my new payment amount and to request that my due date be changed to the XXXX of each month, starting in XXXX. The agent submitted the request and informed me that it would take 23 billing cycles for the change to take effect. However, when I logged into my account on XX/XX/XXXX, I saw that my account was marked PAST DUE. Upon checking my account inbox, I found a message dated XX/XX/XXXX stating that a due date had been missed. 

Since XX/XX/XXXX, my student loan account has displayed a past due amount of {$410.00}. I do not know which month this past due amount corresponds to, as I never received any notice indicating that a payment was due. Since then, I have contacted Mohela multiple times in an attempt to resolve this issue. I have been repeatedly assured that despite the PAST DUE status, my account remains in good standing and that the issue is related to an administrative matter known as an " embedded delinquency. '' I was also informed that a request had been submitted to remove the delinquency from my account. However, as of XX/XX/XXXX, my account still reflects a PAST DUE status. 

I am deeply concerned about the potential impact on my credit score. I have never missed a payment. Additionally, I am enrolled in autopay, so even though I was under the impression that no payment was required for XXXX, my account could have been debited had that not been the case.
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not removing files when theyre sent with an FTC report with reference number XXXX. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. I also attached here a new FTC report with reference number XXXX. If you choose to not remove the inquiry listed below which are reporting inaccurately due to mistaken credit reporting, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the inquiry as it was opened without my consent or knowledge EXPERIAN : XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an inaccurate credit report data. I do not consent to E-OSCAR or any means of automated verification.
Product: Debt collection

in accordance with the fair credit reporting act XXXX XXXXXXXX XXXX {$10000.00} XXXX XXXX {$520.00} # XXXX XX/XX/XXXX XXXX XXXX # XXXX {$51.00} XX/XX/XXXXXXXX XXXX XXXX  # XXXX {$890.00} XX/XX/XXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX In U.S.C 1681 section 602 A states I have the right to privacy In U.S.C 1681 Section 604 a 2 it also states aconsumer reporting agency instructions
Product: Checking or savings account

Ive opened a savings and a time deposit account with Chase bank around 3 years ago, as advised by the banker I open the savings account with minimum balance of {$300.00} that wont trigger any service fee. Couple months later I closed the time deposit account and keep the savings account without touching it for the last 3 years and today when I approach the branch to close my savings account and was told the balance remaining only {$190.00} due to monthly service charge of below minimum balance I was surprised I did not touch this account since opened with a minimum balance how came for charged? I was told theres a {$8.00} fee charge to my account one day which trigger the minimum balance lower, but that {$8.00} was refunded to my account a year later! But the balance still requires service fee. I asked since they refund the unauthorized charge of {$8.00} which meant my account should never falls below {$300.00} in the beginning they should refund all the service charge to me but they refuse the reason is because its too long ago. I totally felt I got fooled by a bank, how can I save money in an account resulted in losing money which I hardly conduct any withdrawal, no protection on consumer big bank like Chase make lots of money by eating on my savings. I was forced to close my account to avoid further loss with a remaining balance of {$190.00} only, lost 33 % but would strongly wish you can help me to get my money back. Today is XX/XX/2019
Product: Debt collection

that this company has continual put this debt on my credit report witch i do not owe them that they have reported wrong dates and information that it is out of date and i have no debt with them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that my report be updated and delete what can be deleted. 4th request.

They are terrible company. Early warning they fix nothing.