23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have the JetBlue mastercard through Barclay 's and enrolled in autopay that normally goes through on the XXXX or XXXX of the month. On XX/XX/XXXX, I was reviewing my bank account to ensure all direct payments were made and sufficient balance remained, no transfer to Barclaycard was evident. 

I logged into my online jetblue/barclay portal on XX/XX/XXXX and found that I had a {$29.00} late payment fee charged. I immediately paid the full balance as of the last statement cycle. I then called Barclay 's and after a long time on hold, was told the problem was on their and and that the late fee would be removed ( it was ). 

I don't think anything else until XX/XX/XXXX when I find that my bank account has now had 2 withdrawals for the full balance, causing my balance to fall too low to cover needed payments. I called Barclay 's and was told they best they could do was send a check within 7 business days. Upon speaking with a manager, I was told he would try to expedited this delivery time, but that ACH would not be an option. 

Will update with actual time money was not in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

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

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

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXXXXXX XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made on time : The payment was made before the due date, but it seems there was a processing delay on the creditor 's end. I have attached bank statements showing that the funds were deducted from my account well before the due date. 
Clerical error by creditor : XXXXXXXX XXXX XXXXXXXX has admitted that the late payment was due to an internal error in their billing system, and I have attached a letter from the creditor confirming this issue. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

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

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

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

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

Experian } Upon reviewing my credit report, I have noticed that there are inaccuracies XXXX Address ill been living at XXXX XXXX CT XXXX XXXX IL, only for the pass XXXX  years! 
that should be the only address on my report. 
XXXX Inaccuracies, pertaining to an debt, which I believe to be erroneous,
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding " Clarity Services '' This company is reporting information that has resulted in my being denied credit more than once. I 've faxed three requests to this company to obtain my credit report ( following instructions provided on their website ). All three have been ignored. I called the customer service number and was placed on indefinite hold. The attached image shows my XXXX XXXX account with three report requests to Clarity Services ' fax number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute filed ftc on all above accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA, Experian has violated my federally protected consumer rights. 

15 US Code 1681 States that I have the right to privacy and that a consumer reporting agency can not furnish an account without my written permission and instructions. 

Please see attached...
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to violate my rights. After disputing items they continue to appear on my credit report with new dates. These negative items have prevented me from owning a home as well as resulted in higher interest rates on my vehicle and credit cards. 

After having open disputes, the account remarks on my credit report do not reflect the disputes. This is a violation of federal regulation for each account. Also, accounts that were in charge-off status for over 7 years ( some over 10 years ) continue to be reported on my credit report. These are also violations of of my rights and federal regulation. 

I have found 30 instances of such violations appearing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.
Product: Payday loan, title loan, or personal loan

XXXX from affirm ( XX/XX/22 at XXXX ) said my account with affirm will be deleted and my money refunded on XX/XX/XXXX. I have this phone call recorded.I am tired of being forced to pay this loan when I do nopt have the merchandise I am tired of being lied to by affirm. I do not owe this loan and I am being blackmailed to pay. 

Affirm credit financed an item for me from XXXX the order number from XXXX was XXXX. The package from XXXX never arrived, although tracking shows it was delivered, I never received the package. I asked XXXX to help but they refused saying the packaged was delivered and i need to dispute the item as not received with Affirm. {$440.00}. So i finally disputed the item as not received with Affirm and i immediately got an email that says even though i disputed the item as not received with affirm their is nothing they can do because they must always follow and do anything XXXX tells them. This is ridiculous I do not have a valid loan with affirm because i never received the item. So i have no merchandise but yet I have a loan with affirm and they refuse to help in anyway and they have also threatened if i miss one payment they will ruin my credit for life. I am being blackmailed by affirm. I do not have any merchandise but they are charging me for it and refuse to help or investigate. I want this loan account cleared and marked paid in full because I DO NOT HAVE THE MERCHANDISE. Attorney general is also being contacted
Product: Credit reporting, credit repair services, or other personal consumer reports

I had put in a letter here about how there was 2 fraud hard inquiries that were not authorized by me made on XX/XX/2019 for XXXX  XXXX and jc penny. I got a letter back saying some ip address I am unaware of. This ip address was used on both applications. I was told by customer service to submit a letter and than when I got a letter back basically implying I did make these inquires which is in accurate I have made every attempt to call any # on the letter and have told each person I have spoken to that I need a rep to call me back so we can resolve this matter as I don't want my credit score effected by something I did not do. 

There was a letter in mail from a women XXXX XXXX who I have left over 10 messages with to call me to no call back. I have spoke to others at synchonry back and just keep getting the run around. It's been over 30 years and I feel that under the fair credit act this should be reversed since I have no idea with all due respect how this happened and clearly was not made by me. 

In the letter it stated there was attempts to call me but I never got any said calls. If someone can please finally help me with this nightmare.
Product: Mortgage

My Nationstar Mortgage has let my home owner 's insurance lapse despite reporting otherwise. I am having to pay this in order that my home owner 's insurance not lapse. There is no issue with my payment on my end, they simply have not done their part. Very disturbing.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

See attached letter. This matter has not been resolved. They are now saying I owe them from XXXX/XXXX/2014 to present and added over {$6000.00} for escrow. They have changed my payment without cause. I do not understand this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts and a bankruptcy. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX {$130.00} XXXX XXXX XXXX  XXXX {$160.00} XXXX XXXX {$180.00} BANKRUPTCY  XXXX {$0.00} BANKRUPTCY   XXXX {$0.00} BANKRUPTCY  XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I HAVE SENT SEVERAL DISPUTES to REMOVE THESE HARD INQUIRIES ON MY CREDIT REPORT. THESE INQUIRIES ARE NOT FROM ME and I WANT THEM REMOVED RIGHT NOW! 

XXXX XXXX XXXX ( XXXX & XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX " I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. " [ FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency ] INFORMATION NEEDED : Full Name : Social Security Number : Date of Birth : Current Address : Primary Contact Number : Email :
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 USC 1681.

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 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 1681 s-2 ( A ) ( 1 ) 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. 


XXXX ACCOUNT NUMBER- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX 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

I received a catalog for XXXX and XXXX on XX/XX/XXXX. I ordered some items and paid it off on XX/XX/XXXX. There was no hard inquiry. My credit score  went down and I am in the process of cleaning up my credit report. 
Opening a new account can temporarily lower your score because it adds a hard inquiry to your report and lowers your average age of credit history. 

Please remove the XXXX account also. It is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX on Transunion 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. 

In reference to Account # XXXX I have sent 3 Certified letters over the past 6 months disputing their claim on this alleged account. Transunion has yet to send me the proof I continue to ask of them, and this is violating my rights as a consumer and under the FCRA. I have enclosed a copy of the last letter sent to them. 

I have also contacted the collection agency that claims I owe them this money and they will not provide me with proper verification. 

The next step is to take legal action to protect my rights as a consumer.
Product: Mortgage

Sir, This is a on going problem with home point financial they continue to state I havent paid them and ruin my credit. I have screen shots of Home point yet again getting my check and cashing it then stating they never got a check or holding my check past the due date. 
In the attached example they sent me a bill and state I have never paid when I have the on time cashed check from my online bank account. They do this with many people. Please help fix my credit ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received my credit report through the mail on XXXX/XXXX/XXXX. Upon opening up my credit report I was able to view what was reporting on my credit report. That which appeared to be false information reporting an inaccurate address and an account that had been re-added and I was not notified within 5 days of doing so. I previously reached out to experian and Dept/Navient once on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. The account shows on XXXX XXXX XXXX that Dept/Navient was indeed removed and now it shows it has been placed back without any notification to me.
Product: Mortgage

Lender : Dovenmuehle Mortgage ( MI ) Payment Amt : ~ {$1000.00} Loan Term : 15-yr Issue 1 : Lender reported 3 Cares Act, 90-day forbearance payments as delinquent to credit bureaus. Since corrected, but has caused lingering credit score issues as I've had to acquire new insurance and look into loan/mortgage refinancing options.

Issue 2 : Unrealistic hold times when calling in. Sometimes as " short '' as 25 minutes, but have had 45+ min wait times. Have also been hung up on several times resulting in waiting 25+ minutes more than once. They also put you back on hold for extended periods if you ask why something will take weeks/months to resolve.

Issue 3 : Phone payment NOT POSTED after being made 2 weeks ago from time of this complaint submission. 

Issue 4 : Online payment ability locked out while waiting for 6 weeks for a LOAN MODIFICATION, with no end in sight. Forced payment by phone for additional fee that has NOT POSTED ( see issue 3 ). I am aware there was a way to pay by mail, but if that wouldn't have posted either, I would have had to cancel the check by this point.

Issue 5 : Can not get a current 10-day payoff statement because of unposted payment. Can not finalize any mortgage refinance without this information being correct or risk the settlement being overpaid to Dovenmuehle ( which can not happen for obvious reasons ).

In summary, I am being held hostage by Dovenmuehle because I  requested a loan modification in lieu of the deferral of the 3 months of payments like they keep trying to push on me via phone, email, letters. They will not give me a timeline on when the modification will be done ( just saying 'We 're very busy because there was a lot of requests ' ).

Update : I'm going to just accept a deferral so I can move on with my life, refinance, and forever sever my relationship with Dovenmuehle. IMO, there's been no reason for any of these actions by Dovenmuehle outside of trying to force people into an undesired outcome. They have made this period of economic uncertainty much worse and significantly more stressful than it needed to be.

NEW ISSUE : After agreeing to deferral, they are telling me it may take WEEKS to resolve and get the paperwork/account updated online.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I made a minimum payment due for {$110.00}. 

XXXX XXXX My ACH filed which was unaware to me. 

XX/XX/XXXX, XXXX I made two payments for {$250.00} and {$16.00} totaling of {$260.00}. 

XX/XX/XXXX, XXXX I made another payment for {$130.00}. 

I have a late payment report for XXXX for 30+ days late which was only two weeks late when the payment was made.