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

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Experian for the following account : Account Information Account Name : XXXX XXXX Account Number : XXXX I believe these late payments are erroneous and do not accurately reflect my payment history. I have consistently made my payments on time, as this account was enrolled in autopay. 
Nature of the Complaint : Inaccurate Reporting : The late payment history for this account is inaccurate, with a single late payment entry on my XXXX, Experian, and XXXX files that does not align with my actual payment records. 
Violation of the Fair Credit Reporting Act ( FCRA ) : This inaccurate reporting violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which prohibits misrepresentation of account information. 
Truth in Lending Act ( XXXX ) Violation : The reporting practices fail to meet XXXX 's requirements for accurate credit reporting. 
Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure maximum accuracy.

Under FCRA articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ), there is civil liability for willful and negligent noncompliance, which includes actual damages, attorneys fees, and possible punitive damages.

Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that these entries be updated to reflect my true payment history, which shows 100 % on-time payments. Please confirm the removal of these inaccuracies within 30 days of receiving this complaint.

Attachments : Copy of ID Social Security Relevant documents related to the account, including payment records demonstrating on-time payments. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

There was an account opened up around XX/XX/2021 that is on my credit report that isn't mine. I've provided documents to the bank and the credit reporting agencies and they're still reporting the account valid. I even went as far as going to the bank and providing my documents and still no luck. They showed me the account and the only thing that was correct was my name and birthday. The address, email, phone number, and social was incorrect. Its clear that this is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion had a breach in XXXX where inquires were taken off then added back on. They did not notify me that this had happen. It is not legal to add things to credit without notifying me in writing. Then again this same thing happen in XXXX again. Once again I was n't notified and these inquiries were added back. I called Transunion and they said they could not do anything about the above breaches. These inquires should not have been added back twice. These need to be removed immediately. Thank you for your time.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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: Credit reporting, credit repair services, or other personal consumer reports

I closed my credit card account in XXXX was issued another in account in XXXX. The account that was close had {$43.00} credit new account with renewal fee open at {$49.00} which never received the bill because I never access the card XXXX. First Progress reported I was 30 days late on {$49.00}, I called explaining that on the close account I have a {$43.00} credit. Can you please add it to the new account and I owe you XXXX XXXX they refused closed my account ruin my credit score I attempted to fax their fax machine for a goodwill adjustment. One of their employees stated their fax machine have been down from XXXX XXXX XXXX XXXX, and was re-working sometime in XXXX, I still have two bills that I just received in XXXX saying {$49.00} I owe one bill saying {$43.00} credit. They have ruined my credit I lost XXXX and something points and theyre continually reporting XXXX XXXX late on my credit report then they will re-reset and re-report a XXXX, XXXX I can not contact you because I do not have an open account. They are violating the FRC rules and I need to be compensated.
Product: Credit card

citi delays the processing of mail payments in order to charge late charges. the bank does the same with mail deposits they are keeping them delaying the posting. they do not have to pay interest with the bank and charge late fees to credit card holders. 

i have only had two mail in with this bank/credit card and both times they have done this.
Product: Bank account or service

I am on my other checking account and my card had expired on XXXX/XXXX/15 which i should of receive a new card. I did not so my mother called on XXXX/XXXX/15 and spoke to a XXXX and then I spoke to XXXX. They stated that the orginal card was sent to my house and I never received it. Then stated I would be issue a card in 5 to 7 business. It is now XXXX/XXXX/15 and no card. So my mom called spoke to XXXX and then to me. She stated that the card were not issue do to error of address. So I ask to speak to a supervisor XXXX said her supervisor XXXX was not avaiable and XXXX XXXX would call me back XXXX hours and XXXX minutes latter XXXX calls and ask for me. I gave her verification information but she got made because she heard my mom in the back ground and got mad. So my mother got on the phone since she owns the account. When she asked to speak to her supervisor she or corperate XXXX stated she was in the corperate office and she had no supervisor. My mother stated she would place a complaint due to that this is her account and when the card was not issue someone should of called. But XXXX is going to argue and i am not happy. XXXX job is to be getting phone records first before placing a call and customer service should be top important to this company. I do n't have my card for unknown reason and I want my card without any hassels period. This is my mother acccount which she had for many years and place me on it when I was XXXX. This company has charge my mom for many thing and mess up her account when they switch over to who they are and she did not get reimbured to all her account due to their error. And it funny that my card didnt come because you get all junk mail sent to my home address.
Product: Credit reporting or other personal consumer reports

My account with 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 USC Code 1681eb. This error has caused XXXX XXXX to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I demand the late payment reported in those account 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 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: Mortgage

I filed a lawsuit against Nationstar Mortgage , LLC, hereinafter referred to as Nationstar, my servicer, and my original lender for various causes of action. I have been fighting them for at least the past three years but more so this past year. My fight has gone on deaths ' ears with the California Judges and they keep dismissing my case for reasons they go against the actual laws, more specifically California Homeowners Bill of Rights. Presently, I have a Motion for Reconsideration that is scheduled for XXXX XXXX, 2015. The new facts that I have presented in my Motion for Reconsideration involves a Notice of Rescission. On XXXX XXXX, 2015, I sent a Notice of XXXX to Nationstar. They received the Notice of Rescission on XXXX XXXX, 2015. Under the Federal Truth In Lending Act, my debt obligation, the promissory note and the deed of trust were canceled immediately, by operation of law. Under the statute, the creditor 's interest in the property is " automatically negated regardless of its status and whether or not it was recorded or perfected ''. Also under the Act, Nationstar had 20 days from XXXX XXXX, 2015 to challenge my Notice of Rescission by filing a lawsuit against me. They have failed to take any action regarding my Notice of Rescission. Because of their failure to challenge the rescission, they have forever waived any and all defenses to my rescission. Under the Act, Nationstar is now in violation of the law, and they are blatantly disregarding my loan rescission rights. I have sent them a letter of non-compliance and have requested they cancel the sale date that is scheduled on my home Thursday, XXXX XXXX, 2015 and that they forward me a release and a reconveyance as required under the statute. I am filing this complaint to inform the CFPB that Nationstar continues to ignore the law and that they are in violation of a Federal Act. Their actions are unacceptable. I request the CFPB take some kind of disciplinary action against Nationstar for their blatant disregard for the law. I am hoping with your interaction, Nationstar will choose to abide by the Act and take the necessary steps that is required of them by law.
Product: Credit card

PayPal, without authorization from me, made a hard pull on my credit file this year, affecting a mortgage I am in the process of getting. It was for their PayPal Credit service. They denied any wrongdoing, told me I willingly accepted the terms, and after an investigation I demanded, told me that they found no wrong-doing and denied responsibility. They have canceled the account but the hard credit pull remains on my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to formally request a detailed description of the investigation process followed by your agency regarding the disputed account listed below. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation procedure within 15 days of receiving a consumer 's dispute. 

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

Below are the details of the disputed account : Account Name and Account Number : XXXX XXXX XXXX XXXXXXXX I kindly request that you provide a full description of the procedure used to investigate and verify the accuracy of this account. If you are unable to delete this account immediately, please furnish the required information detailing your investigation and verification processes. 

I appreciate your prompt attention to this matter and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an account that needs to be deleted from my credit report. XXXX agreed to removed Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$41.00}. 

XXXX has tried to remove the account from EXPERIAN but Experian will not removed the account from my credit report. XXXX has tried to remove this account 4 times but it continues to appear on my credit report. 

I have uploaded documents to support my claim. 

The contact for XXXX is XXXX XXXX email : XXXX XXXX XXXX Her phone is XXXX. 

I need this handled asap! 

XXXX has been trying to removed this account from Experian since XX/XX/2023. 

XXXX SHOWS THE REQUEST HAS BEEN SUBMITTED " The AUD has been successfully submitted ''.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA XXXX XXXX ( 15 U.S.C. Section 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX with a. Balance of XXXX, XXXX XXXX with a balance of XXXX, XXXX XXXX with a balance of XXXX, XXXXXXXX XXXX  with a balance of XXXX, and XXXX XXXX XXXX  XXXX with a balance of XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 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
Product: Credit reporting or other personal consumer reports

XX/XX/year> Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Investigation of Disputed Information Pursuant to 15 U.S.C. 1681i Dear Sir/Madam, I am writing to formally dispute inaccurate information appearing on my credit report, pursuant to 15 U.S.C. 1681i, which governs the procedure for disputing and correcting errors on consumer credit reports. 
I recently obtained a copy of my credit report and found the following information to be inaccurate or incomplete : XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX CHILD SUPPORT ENF XXXX , account number XXXX. 

Under 15 U.S.C. 1681i, I am requesting that you initiate a reinvestigation of the disputed information within 30 days of receiving this letter, as required by law. I believe this information to be incorrect, and I request that you either correct or delete this erroneous information from my credit report. 
Please provide me with a copy of the results of your reinvestigation, along with an updated version of my credit report that reflects the accurate information. I also request that you notify any third parties who have accessed my credit report about the correction, if applicable. 
If you require any additional documentation to assist with your investigation, please let me know immediately. I expect a response within the 30-day timeframe required by law. 
Thank you for your prompt attention to this matter. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I have reached out to XXXX, XXXX  and Transunion and these people are not doing any investigations whatsoever and we can no longer blame it on COVID.. I need my disputes investigated today because by law they have 30 days to investigate my negative items that I am disputing here ... Please delete. 

XXXX  XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX- XXXX-Unverfiied Account XXXX  XXXX  XXXX Not my account XXXX XXXX  XXXX Not my account XXXX XXXX  XXXX-XXXX- Unverified account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX- XXXX Unverified Account XXXX XXXX XXXX-XXXX-Unverified Account XXXX XXXX XXXX- XXXX-Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XX/XX/1980
Product: Debt collection

I just received notification from XXXX XXXX XXXX that a collection was added to my credit report. According to XXXX XXXX XXXX it was reported inXX/XX/XXXX I had to XXXX  the company on my credit report and found that they were a collection agency. They are claiming I oew # XXXX but I do n't know who I supposedly owe.
Product: Debt collection

I checked my credit and saw two accounts for choice recovery for XXXX XXXX for {$51.00} each. I never received any notice of these small debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the CFPB last year into Genesis FS Card services. After receiving a letter from the company in regards to my complaint, I as well as the CFPB was informed this information for XX/XX/XXXX would be corrected to show as on time as the missed payment was due to an acknowledged company fault. The company not only did not honor this, but they are now reporting 60 DAYS late to XXXX and remains 30 DAYS late to XXXX. XXXX remains accurate at a 100 % on time payment standing. I have tried disputing this with the credit bureaus and even provided the letter given to me as well as the CFPB, but the company still refuses to update, even after they agreed to. I am filing a second complaint with them and would like to request investigation by the CFPB not only for false reporting, but also fraud as the company has told the CFPB one thing, but is taking another. Furthermore, the company keeps deleting my email information and contact information, preventing me access to my online account to make payments and review my account history. This took place after my first complaint was made and continues. I have to call and have my account unlocked every month to make a payment as no other payment options are available. The keep telling me it is due to a website issue, however I have spoken to other card holders and this is not the case. When I questioned an employee, I was told this was due to my complaint. My next step is a class action lawsuit if the CFPB can not help me and the company refuses to fix the issue they caused. A scan of the letter sent by GENESIS FS CARD SERVICES has been attached. Screenshots of the reporting as of XX/XX/XXXX have been provided as well. T
Product: Mortgage

My parents got reverse mortgage XX/XX/XXXX father died XX/XX/XXXX I moved bk in home with mom XXXX later she died in home when I left state after my son died. Soposidly mom told me rev morg was takin care Ov? My heath problems with unable to work.son moved in with me he heath problems ambulance was here time for him he was unresponsive 3ov those times have no place go no money do n't no what do this is myfamiley home goin to up for forcscloser XX/XX/XXXX help
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtain a copy of my credit report from Experian and notice inaccurate and incorrect information. 
Some of my personal information is incorrect and needs to be removed. 
I have companies reporting duplicate accounts with the same information. 
I know this can be investigated
Product: Credit reporting, credit repair services, or other personal consumer reports

I came across one account two inquiries and two addresses that i do not recognize and was use without my knowledge Account : XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We received letter dated XXXX/XXXX/16 from Wells Fargo that was very general in nature stating a variance had occurred during closing of our loans. The letter did not say what the cause of the variance was or the amount of variance. Whatever this variance was, Wells Fargo unilaterally decided that the correct course of action was to deposit the amount against our loan principal balance without our input, buy-in, or permission. 

Upon follow up discovered that we were charged {$22.00} twice for a XXXX credit report that was either not done or needed. Please see Wells Fargo email dated XXXX/XXXX/16. Conventional wisdom would suggest that over charges should be refunded directly to the customer. At a minimum the customer should have been consulted and asked how repayment should be handled. It is our opinion that Wells Fargo processes in this instance are unfair, deceptive, if not illegal. 

Request : 1. CFPB investigate if the actions taken by Wells Fargo for the overcharge were appropriate and legal. If found in violation please cite Wells Fargo appropriately. The letter of XX/XX/XXXX could and should have been drafted to be more specific than it was. 

2. We are refunded the {$22.00} dollars immediately. While the XX/XX/XXXX email states we will have the refund, as of writing we have not received it. This coupled with XXXX XXXX XXXX teleconf earlier this week whereas he believed it is allowable for Wells Fargo to credit over charges to mortgage principal ( and that he has seen this before ) makes us believe that we may not get the refund. 

3. That we be provided at {$50.00} customer courtesy credit by Wells Fargo for all the problems and time involved to attempt to remedy what otherwise should have been a simple and seamless refund of monies over collected in error by Wells Fargo.