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

Im disputing all inaccurate, incomplete personal information and any information on my consumer report that has been furnished, reported and shared with non-affiliated third party persons under the law to be deleted from my consumer report, all errors be deleted, and all outdated information per Hawaii Statue of Limitations be deleted as well from my consumer report under the FCRA guidelines, and 15 15 USC Rights to Privacy Law and Permissible Purpose Law. Thank You,
Product: Checking or savings account

On XX/XX/ I tried to withdrawal {$400.00} from XXXX ATM SERVICED by XXXX.this was on XXXX XXXX in XXXX XXXX got an error that said money was returned because it wasnt retrieved fast enough. Unfortunately, I did not take picture of error. IT SAID to contact my financial institution. I did immediately. and reached out to Chime My dispute was denied with no explanation. I have filed an appeal, but have heard nothing. I was leaving the next day for vacation and was going to see from XXXX how to contact XXXX Im sure there are cameras on the ATM to see I never received the money. In fact I never received the message to take card to get money. I had a difficult time getting my card out. I talked to a XXXX employee who saw me having trouble getting my card and got manager. Manager advised they couldnt help
Product: Credit card or prepaid card

I opened an overstock credit card through comenity bank in XXXX. 
I made purchases in XXXX and XXXX totalling {$880.00}. 
I made payments totalling {$1500.00}. 
I was charged {$980.00} in late fees and {$720.00} in interest. 
The current balance on the account is {$890.00} which represents fees only as I have clearly paid for my purchases and additional {$670.00} on top of the purchase total. 
This is loan churning, relentless loan cycle, constantly charging interest fees and late fees without reducing the principal amount of the loan. 
I have not made a purchase on this account since XX/XX/XXXX. 
I refuse to pay any more money to this bank. 
I contacted them two weeks ago and have had no response to my request to XXXX out this account immediately and update the credit bureau immediately so this negative impact can be removed.
Product: Credit reporting or other personal consumer reports

My account with Experian 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 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.

Experian 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 card

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX  XXXX on XX/XX/scrub>XX/XX/XXXXand a mortgage account opened at XXXX XXXX  on XX/XX/scrub>XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent delinquencies appearing on my consumer FICO credit report. All 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 US Federal Trade Commission that all 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States that I have to the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) : also states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

On Tuesday XX/XX/XXXX I was texting communicating with Prestige Financial and an employee not specified I thought it was XXXX XXXX a manager with Prestige Financial and she stated as I have the text records showing her reply, as she stated that if and when I paid the reduced amount of {$530.00} to make a good faith payment then the remaining other two months ( XXXX XX/XX/XXXX ) payments would be tacted on the back of the loan, and a 60 day extension would be applied to the loan. I paid the {$530.00} amount on the portal and it cleared a few days later, then I confirmed with XXXX XXXX on Monday XX/XX/XXXX that the payment cleared, but the 60 extension was not applied and the offer was not honored as agreed by myself and Prestige Financial from the week prior. Also this is an ongoing broken promises and miscommunication that has added more stress and trouble to me and I am a XXXX XXXX XXXX Veteran who is on a fixed income and is XXXX  XXXX XXXX. I would like Prestige Financial to XXXX XXXX  my remaining loan as we got approved from Prestige back on XX/XX/XXXX at XXXX XXXX dealership with me being unemployed and only having my XXXX  XXXX compensation income only at the time of the loan. Since then it has been constant headaches from Prestige Financial and they are a terrible company and want this to be finished. We need this car for our family and Prestige has made it all the more difficult to work with them on an ongoing basis. So Sad.
Product: Debt collection

United Collections Bureau is attempting to collect a debt in the amount of {$1400.00} even though I already paid this amount, in full to the original creditor, XXXX XXXX Hospital in XXXX and XXXX of XXXX. The letter I received from United Collections Bureau is dated XX/XX/XXXX. I thought this was resolved after speaking with XXXX XXXX Hospital until I noticed a delinquency for XXXX and XXXX of XXXX from UCB on my credit report. When I called UCB on XX/XX/XXXX to dispute this I was given an email address, XXXX, to send proof of payment for the debt they are claiming I owe, so I did. After almost one week, I had not received a response to my email but instead a letter in the mail from UCB along with a billing statement from XXXX XXXX Hospital that included descriptions of procedures I had done which I believe is a HIPAA violation as I did not give XXXX XXXX Hospital my consent to release my information to UCB or anyone for that matter. I called UCB immediately upon receiving the letter and after waiting on hold for forever, I left a voice message requesting an immediate call back from a supervisor. That was almost one week ago and still no response from them. I've disputed this debt with UCB, XXXX Credit Bureau as well as XXXX XXXX Hospital. I have dated letters, emails and proof of payment. Please help to resolve this matter. Thank you.
Product: Mortgage

At the time of application I was given a closing date of XX/XX/2020. 
That date was 90 days from application for a rate and term refi with my present lender Wells Fargo. Since my original closing date wells has stated the loan was with their insurance review team, that they needed a subordination agreement for their own heloc, that their was a question regarding judgements? 
They have continually mislead me regarding closing on my loan. 
My wife and I-have XXXX cr scores, our DTI is very low, their was no appraisal needed for my property, the ltv is less than 70 percent, my payment Is dropping by XXXX dollars. We are immensely qualified, and yet they cant get the loan closed after 100 days. 
Ive requested my complaints be escalated yet no one contacts me. I have told Wells at this point I do not feel I should pay any discount or origination fees. 
I want the loan closed immediately. 
They continue to ask for more documentation. 
Please help ... they do nothing Thank You
Product: Mortgage

I fell behind on my mortgage. I hired an attorney to help me apply for a loan modification. My attorney faxed in my application and a third party authorization to Carrington Mortgage on XX/XX/XXXX. My attorney has been calling Carrington since then and they claim they still do not have the third party authorization uploaded into their system. They confirmed they had the application but they are purposely evading allowing my attorney to speak with them and thereby evading review of my application. As of today XX/XX/XXXX they still have not recognized my attorney 's third party authorization. They then tried to call me today on my cell phone asking for me to speak with them. I told them my attorney faxed you an authorization over a month ago and Carrington has purposely avoided recognizing that authorization. They tried to tell me they are missing paperwork and I told them I have an attorney and my attorney is the one who is handling all of this for me. Carrington is obviously trying to block my attorney from being able to help me. They evade review. Avoid conversations with my attorney by falsely stating they ca n't see the attorney 's authorization, however they can see my financials and application which was sent the same day with my application. My attorney says this is against RESPA Regulation X. Carrington is not allowed to evade review and they are now over the 30 day limit allowed to completely review my file.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Incorrect Address - XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Incorrect Address - XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXXXXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX XX/XX/XXXX - XXXX
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX customer XXXX XXXX rented our vehicle. She provided a XXXX XXXX which we charged {$50.00} toward the rental agreement. On XXXX/XXXX/XXXX we successfully won the first chargeback attempt. On XXXX/XXXX/XXXX we received a second chargeback and Bank of America Merchant Services will not allow a dispute. They have refused arbitration. All documents show this is a valid car rental.
Product: Vehicle loan or lease

On XXXX XXXX I bought a car and the dealer help me to get a loan with Ally auto. My original loan was for {$37000.00}. I sent my payment by mail which was received on XX/XX/XXXX and the checks was for {$680.00} for my monthly payment and the other for {$1000.00} for additional to the principal, both checks was cashed on XX/XX/XXXX. On XX/XX/XXXX I made one online payment for principal for {$20000.00} and this payment appears on my ally auto app and you can see that I paid {$19000.00} to my original balance and {$420.00} for finance fee and my balance due is {$18000.00}. But the checks for {$1600.00} dont reflect on my balance. I tried several times to explain this situation but they didnt want fixed they said this checks was applied to finance fee.
Product: Checking or savings account

My debit card was attacked twice in two months causing a slew of problems with paying my bills. On one particular weekend, a few of my bills came out that I was not prepared for after this cyber attack. PNC ending up charging me 4 over draft fees totaling over 140 $ over the weekend. I promptly paid the money for the bills the following Monday. PNC has not been willing to work with me and as a XXXX with no money. I see this as stealing from the poor. PNC also without hesitation will change the terms and  agreements to your account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted the fraud department. I have submitted several police report documents along with the FTC and CFPB. I was told by a supervisor that this account will be updated enclosed in blocked from my credit report, and I have a lifetime ban from receiving any future cards from KeyBank, because of the fraud that was committed in my name.
Product: Checking or savings account

On Monday, XX/XX/2019, I opened a checking account online with Chase Bank. On the same day, I made a mobile deposit to that account for a check in the amount of {$2000.00}. The check was written out to me by my credit union. After making the deposit, Chase Bank informed me that the check would be held pending for 9 days. Two days later on Wednesday, XX/XX/2019 I tried logging into my account but it was locked, so I called the number indicated to inquire about the account. Upon calling, the Chase Bank representative informed me that my account had been closed. I asked why it had been closed, and she refused to tell me why. On Thursday, XX/XX/2019, I went to my local Chase branch in XXXX XXXX, AZ to inquire about the situation. The representative I spoke with told me there was nothing he could do and gave me a number to call ( XXXX ) and told me to ask to speak with a supervisor. On that same day, I called that number and spoke with a supervisor. When I asked the supervisor why my account had been closed, she declined to tell me why. I then asked her when I would get my {$2000.00} check returned. She informed me that Chase Bank would mail it to me as a check within 7-10 business days. My credit union, who issued this check, informed me on Friday, XX/XX/2019 that the check had cleared, contrary to the original 9-day pending status as stated by Chase. Chase is now in possession of that {$2000.00} check deposit, and I have absolutely no access to it, and no explanation for why the account was closed.
Product: Checking or savings account

I ordered a new card from Bank of America since I had lost mine. The new debit card was stolen in the mail and was then charged over {$500.00} worth of transactions at various XXXX in my area on XXXX morning. Bank of America is now denying my claim stating that there was no fraud because the card was physically there, which of course it was, it was stolen. 

Bank of America originally credited the amount when I filed the original dispute, but have no reversed that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX bad accounts appeared on my credit report after I paid off XXXX credit card bills and requested that they be deleted. They are not permitted to do this without my permission, especially considering that I paid the bills off. I sent a dispute letter to each of the XXXX banks, XXXX XXXX, XXXX XXXX, and XXXX XXXX, therefore Transunion should also have that. Now I am filing this complaint so that I can get a faster solution to this problem
Product: Credit reporting, credit repair services, or other personal consumer reports

My equifax credit report is showing an inquiry that does not belong to me. I am requesting that it is deleted immediately as it is adversely effecting my score. According to FCRA law equifax should not report inaccurate information. I am requesting that they delete XXXX inquiry immediately. 

XXXX is reporting erroneous inquiries for XXXX, XXXX XXXX, and XXXX. XXXX. I have not given anyone permission to make an inquiry. I am requesting that these inquires be removed immediately. 


XXXX is reporting inquiries from XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX. I am requesting that these inquiries be removed immediately.
Product: Checking or savings account

I scheduled a transfer from my Capital One Savings account on XX/XX/scrub>/25 in the amount of {$6600.00} to my Navy Federal checking account. Today 1/17/25 the deposit has not come through but shows debited from the Capital One. I need the funds deposited to pay a bill scheduled to be paid on XX/XX/scrub>/25. Capital One sent an email last night, XX/XX/scrub>/25, stating they are having trouble with a third party company that is effecting deposits etc. They expect the problem to be resolved by Friday morning today and they are sorry for the inconvenience but it hasnt been resolved. I have been unable to reach customer service probably due to the volume of very upset customers. This is more than an inconvenience and this is unacceptable. I have had terrible customer experience with them in the past. I will be moving my money elsewhere when I finally receive it. They should be held accountable. Thank you.
Product: Credit reporting or other personal consumer reports

I contacted this company to remove any information you had on my name, Social Security number about me they was not giving permission to withhold any information on me to share sale or even volunteer to give to third-party companies such as a XXXX I have court document sign with Georgia seal and the US court do not provide information for third parties and XXXX  also emailed me showing that they do not provide documents to third parties Lci is a recording company under the US law is violating my rights in so many ways. Please reach out to this company to have them remove whatever information they have on me and mail me a copy showing Its no longer and there database about a bankruptcy
Product: Debt collection

I have resolved a debt in full XXXX XXXX,2016 it was filed in the court of my county XXXX XXXX, 2016 however they will not remove this from my credit report. Over the last 30 days I explained to them that I care for XXXX XXXX children and I was trying to purchase a home for them and this is affecting me from getting a loan from the bank. I found out this was still on there after my landlord allowed the home we was in go into foreclosure and I tried to purchase that house. I was denied a loan so me and the kids literally we go sat out on the street and lost everything. XXXX XXXX XXXX XXXX have the information in their system and they also sent me a copy of the " Satisfaction of Judgment '' paper and told me to take that to the bank and that the bank would see that I paid it. I have call this company over and over and they will not take it off. Now yesterday I call again and the representative told me to forward him a copy of the same form that they sent me. I did as he asked but informed him that it 's their responsibility to update the credit report. This is so unfair because I had a debt and I paid it in full and they are not doing their part. I am asking the CFPB to help me in this matter. I will upload a copy of the satisfaction of judgment. Thank you in advance
Product: Credit reporting or other personal consumer reports

**** Human manual review only, No automated system please. Be compassionate **** Please see the issue where you all reporting that the details of the XXXX XXXX XXXXXXXX show that there is no first date of delinquency or late payment however when I click on payment history you all are reporting late payments. XXXX has it as 60 days late in XX/XX/2022, XXXX 90 days, XXXX 120 days, then XXXX 90 days. Any reasonable person can see that this cant be correct! Then XXXX and Transunion has it completely different. They are not even consistent with what they report to you all. They can not be trusted to be fair and accurate as FCRA requires. Please see the attachments. If there is no date of first delinquency because I have never been late. The manager at XXXX XXXX has some personal issue against me and keeps violating FDCPA laws to keep false reporting back to you all confusing details of a late payment that never happened. I have paid off the balance on this account and this record needs to be deleted because its clear that this creditor is not committed to following the consumer protection laws regarding their reporting. You keep following what they say instead of deleting this as the law requires. You all keep saying things are verified then I dispute showing incorrect information then you all update things. You all need to delete this record. There system is clearly wrong since it cant even report a delinquency date and cant even report the same to all credit reporting companies. There should be no red for any month indicating any late payments! There should only be green check marks to show that there were no missed payments. You all keep making inaccuracies on it. They are not supposed to even report any late payments to to federal laws that were passed for that time. Credit reporting companies are required to comply with the law, by deleting these late payments or removing the accounts if the creditor keeps ignoring the law and fail to comply with reporting restriction. Asking them to keep this verify and automatic reporting loop going is just wrong and illegal. I am suffering because your personnel or the systems they use are constantly presenting false and inconsistent information to the public. You all will be held accountable for violating my rights! Just delete this account.
Product: Debt collection

I do not have any collections that I know of that this company so call says that I do. They repeatedly called myself my mother my XXXX year old grandmother and harasses they threatened with abusive language they repeat XXXX all the time they threatened with obscene legal gestures all kinds of stuff and yet all they want is my card info and some crazy amount of money and they do not say for what or how or anyting they call and call and call and call.