23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to dispute two unauthorized interest charges on my NFCU credit card account, number ending [ XXXX ]. These charges, totaling {$66.00}, were incurred on XXXX XXXX XXXX ( {$56.00} ) and XXXX XXXX XXXX  ( {$9.00} ).

Despite paying my credit card balance in full each month, these interest charges have been added to my account without any justification. I have attached copies of my statements for your reference. 

I previously reported the XX/XX/XXXX charge over a month ago, but have yet to receive a satisfactory explanation or resolution. It is deeply concerning that my account has been accessed to impose additional, unwarranted fees. 

I demand an immediate investigation into these unauthorized charges and a full refund, including any applicable interest. I expect a timely response and resolution to this matter. 
Thank you for your prompt attention to this urgent issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card via Credit Karmas website sometime between XXXX and XXXX. The offer claimed to be pre approved but this was not the case considering my application was denied.
Product: Credit reporting or other personal consumer reports

I can not understand why I have been continuously denied a bank credit card for the past several years. I have no leases, no mortgage, no bank loans, never been bankrupt, and I have always paid my monthly credit card balances in full unless there's been an issue with the US Postal Service. Per my credit score report it says that I only use 9 % of my available credit limit. I have no long term unpaid bills. It makes no sense that I make over {$600000.00} from the manufacturing company I own, I own over XXXX income properties producing over {$1.00} XXXX in revenue, I have my taxes paid in full, and yet I am always getting denied an application for a new account. 

My most recent denial was for a XXXX XXXX credit card. I have done business with that bank for more than twenty years. Experian agency reported my denial for the following reason : 1. Number of revolving bankcard trades opened in the last 24 months. ( I've had none! ) 2. Average Open Balance. ( None! ) 3. One or more bankcards with a balance greater than {$1000.00} on credit report. ( Not true if I pay in full each month ). 4. # Revolving trade lines with Balance. ( Where is this coming from? I have none!!! ) I have over {$2.00} million in my checking accounts. I pay my bills all the time. Yet how can these agencies smear my name with continuous denials? Why can't I get them to show the number of accounts opened in the past 24 months? How can this occur every year?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My loan servicing history shows that the property taxes that are collected with my monthly mortgage payment was disbursed from my account in XX/XX/2021. 
I received a delinquent property tax notice regarding the property taxes on XX/XX/2021. 
I contacted my loan servicing company. 
All that they told me is that they show that the property taxes are disbursed to third party processing company and they are responsible for getting the property taxes paid. 
I have since refinanced but my disbursed property tax payment is still missing ( {$570.00} est ) and I had to pay the installment again thru the close of my new loan plus the penalty ( {$600.00} ). My property taxes have now been paid twice by me yet only the delinquent payment has posted to the County. 
Also, the loan servicing history shows that my property insurance was disbursed in XX/XX/2021 and that has not been posted with my insurance company. When I refinanced a full year insurance premium was being collected thru the close and that amount has been posed to my account. The loan servicing company shows they disbursed the insurance premium but no one can tell me where that payment went because it did not go to my insurance company. 
So, I have paid my tax installment twice and my insurance premium twice. I am out of pocket almost {$1100.00} from my refinance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Experian Is continually reporting false information ony credit report. These 3 reporting is not my debt I have disputes these accounts several times and they are still showing up on my credit report it have been over 30 days and they still there. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX None of these belong to me I have never had account with these company neither owe them money. This is fraud.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXX/XX/XXXX was never late! I have had exceptional payment history witH XX/XX/XXXXXXXX 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 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXX/XX/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: Checking or savings account

penfed bank i open my account online with then 3 weeks ego i can not access my money after i wire then the money pass 5 days the block my savings account, no respond i try call no answer
Product: Debt collection

XXXX : I, a second year college student, arrived in XXXX  for school and came to the property leased by XXXX  to start setting up my things and getting ready for school. During the summer we were told our rooms and who we were rooming with. However when I arrived and got to the room I was assigned to it did not have the capacity to fit any of my belongings and did not have a bed waiting for me, also I was not XXXX feet away from the other person I would be sharing the room with which was a big concern with me since this was right in the middle of the pandemic. As I started walking around the building I was supposed to be staying in trying to find help, I couldn't help but notice the disgusting unsanitary conditions and was shocked there could be so much filth in the place I was supposed to be staying in during a world wide pandemic. At this point I knew things were seriously wrong and that I was in danger of getting sick and also left without adequate space to live. I spent the rest of my day trying to get in contact with someone at XXXX, the group responsible for the lease, and was promised someone would call and someone would meet me in person. Neither of those things happened and I waited up a little past midnight for a phone call until I fell asleep in the chair I was sitting in. 

The next thing that happened is that I got my stuff ready to go back home since no from XXXX showed up that night or called me. I had no where to unpack my stuff and had to get out of the unsanitary conditions to prevent myself from possibly getting covid. 
XXXX tried to scramble last minute and throw me in a small room with two other people. The room was not even big enough for me to un pack my clothes and I was told I would have to put my TV and XXXX in storage because there was not enough room. We were also not even 6 feet a part all of us. That last minute plan was disrespectful and not even close to an adequate space to live. I left their building immediately and made it clear to them I was never able to set up or stay there. 

After I was gone me and my family spent a lot of time going back and forth with XXXX and they were unprofessional in emails, and threatening us with bills. XXXX then hired a collection agency to go after me. Me and my family were in contact with the collection agency and explained our situation and how it wasn't right for them to come after us when they were in the wrong. We staying in communication with the collections agency and both us and the collections agency had talked about how there was no signature on the lease and that the collection agency was going to talk to XXXX about it. They never got back to us after that and I found out from my credit report that they just went ahead and hit my credit with it. 

Im XXXX XXXX XXXX and just wanted to go to college. I arrived to unsanitary and inadequate living conditions forcing me to go back home and do school online. Then while the whole situation is in progress they blindside me and damage my credit. Please help me with my situation.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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, AND 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 21 days before the payment due date. 

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

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law XXXX  XXXX Balance : {$18000.00} XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

All of a sudden upon review of my credit score I see that I have an item in collections that I have never heard of before : FIRST FEDERAL CREDIT CONTROL Under dispute Account Info Account Name FIRST FEDERAL CREDIT CONTROL Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$230.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$230.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$230.00} Highest Balance {$0.00} Terms 1 Months On Record Until XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a family emergency and was out of the country ( my mother was diagnosed with XXXX XXXX ). When I returned to the XXXX, I realized the payments were not deducted from my bank account. I contacted Upgrade on XX/XX/XXXX, sent XXXX # XXXX {$11000.00} from the wrong checking account by accident, and set up a payment plan of {$280.00} each month. The rep told me the account was in the process of being sent to charge off. I asked her to please get in touch with the department handling this and let them know I was sending a large sum payment ( {$11000.00} ) and set up a payment plan in good faith to please do whatever it takes to stop it. I called them again about XX/XX/XXXX when the check didn't clear my account and asked them to resubmit it because I had transferred the money. I was told the check went through, but I knew it was a LIE since the money was still in the checking account. I sent another check on XX/XX/XXXX, Ck # XXXX, for the same amount ( {$11000.00} ), which was finally applied to my account. 

1. Upgrade sent my account to charge off, even though I made a large sump payment that covered the months of missing payments and beyond 2. Upgrade is being paid the amount I owe in GOOD FAITH 3. Upgrade has damaged my credit 4. This will be reported as INCOME to the IRS, which I have NOT RECEIVED, as I am paying this loan and keeping up with the monthly payment. I send a little more when I can 5. Upgrade has not updated my payments on the account since XX/XX/XXXX and refuses to work with me on removing this charge off Upgrade is acting maliciously ; I am doing my best to ensure this account stays current, but their negligence and wrongful reporting to the credit agencies which is harming my credit. Upgrade wants to report an illegal loss on their finances with my account being charged off AND getting the loan amount paid off on time! This is double dipping into the tax pod and on their earnings, and they are breaking the law by doing this!
Product: Credit reporting or other personal consumer reports

Experian dropped my score by XXXX points yesterday ) XX/XX/XXXX ) because they claim : XXXX. " The time since your last delinquencywhich includes late payments, derogatory marks and collection accountsis now 2 months, meaning you have at least XXXX new delinquency on your report. '' Completely false. There are no new delinquencies. I clicked to review yesterday 's new report, and this accusation is false. 

XXXX. " The time since a payment was 30 days late is now 2 months, meaning you have at least XXXX new late payment on your report. '' Also completely false. I am currently disputing a late payment, but that account was paid in full and closed in XXXX of this year. 

I am already HOMELESS because of credit reporting errors, and they just won't stop! LOOK at my recent reports and you'll see that these statements from XXXX are complete LIES!
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

As stated in my original letter, the address listed below are not associated with my residence history and must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute.
Product: Consumer Loan

I have another complaint with Consumer Portfolio Services as well. I was going over my current credit report and noticed that CPS has closed the account and charged it off as of XXXX XXXX, 2015. They are still charging me fees and showing a monthly increase on the account, and trying to receive payment for it. How can they do that when they closed and charged off the account??? Also, the vehicle is still sitting on my property, which I am getting charge additional storage fees from my landlord, as it states in my lease that I am not allowed to have any unregistered vehicles on the property without incurring additional fees..
Product: Vehicle loan or lease

Jd byryder ran my credit and told me they would not be able to get me a loan for car. Then sent my a letter stating they can give me loan for car. When I called them they said no, we will have to wait until 30 days from the time u 1st applied and then run your credit again. Well Im getting denied due to to many inquiries. But these companies send FALSE misleading info to get the inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau fails to provide method of verification. On (XX/XX/2021 ) I requested an investigation because I felt the item is not being reported legally according to the fcra. I sent a letter of verification on XX/XX/21. Credit Bureau continues to update with consumer disagrees without addressing the request at hand.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ). This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 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 a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), Credit car account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), credit account opened at XXXX on XX/XX/XXXX under the account number ( private ), and a credit card account opened at XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. 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 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 # ( private case number ) as proof from the US 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

I went to the car dealership they told me they were only going to pull from one dealership it ended up being multiple which caused my score to drop tremendously! The same thing happened with the mortage company this is most defiantly a lesson learned i will be placing a fraud alert so this won't happen again. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXg XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion
Product: Mortgage

Our home loan has been with XXXX XXXX XXXX for a few years. In XXXX of this year, servicing was transferred to Dovenmuehle Mortgage , Inc ( MDI ). However, XXXX XXXX XXXX claimed that we missed a payment so the loan was transferred over as being 1 month late. I have several letters and e-mails from XXXX XXXX XXXX showing where they made the mistake. However, MDI have yet to make the correction in their records and continue to call and send letters threatening collection. I have a letter included in this complaint from the VP, Senior Compliance Officer XXXX XXXX from XXXX XXXX XXXX acknowledging the error and explaining how it is being corrected. I was told that I could expect MDI 's systems to reflect the corrections by XX/XX/XXXX. XX/XX/XXXX has come and gone and the only thing I have is a note from my in laws saying that the collections department of MDI called them to ask for the overdue payment. 

This is a follow on from the complaint I filed about the XXXX XXXX XXXX : Complaint filed with the CFPB ( Ref No. XXXX ) which detailed the mistakes XXXX XXXX XXXX made in applying my payments and the lack of ability of their customer service team, save XXXX XXXX who has been great, to make the corrections since the issue was first noticed back in late XXXX of 2021.
Product: Credit reporting or other personal consumer reports

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

15 U.S.C 1681 section 602 A. State I have the right o privacy.

15 U.S.C 1681 section 604 A section 2 : It also state a customer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported to all three credit bureaus ( XXXX, XXXX and TransUnion ) that my credit card account was close which resulted in my credit score dropping. I use XXXX to monitor my credit and get alerts. XXXX XXXX reported this incorrect information to XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX and TransUnion on XX/XX/XXXX