23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with my son as co-signer with Greensky. My son and his wife filed for Bankruptcy in 2017. Since then, my son has continued to always pay the Greensky loan as agreed since I was still responsible for it. He has never missed a payment. Further, most recently my son paid two large payments of $ 10,000+ to pay up the loan quicker than expected ( loan is a 15 year or so loan and is almost paid in full short of 5 years ).

I received an alert that my credit score went down due to delinquency. When I received my credit report, Greensky reported me as delinquent and charged off the loan. This should not have happened as due to the Fair Credit Reporting Act, my accounts in good standing should be reported as such.

My son contacted Greensky to tell them this, and they told him that due to the bankruptcy, they were following procedure. My son told them that they could not do that to me since I did not file bankruptcy only he and his wife did.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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

I do not have an account with Sallie Mae. I reached out to them and they mentioned that there is no account in my name with them or even under this account number. When I dispute this with the credit bureau 's it is still showing up on my report yet it is erroneous. This needs to be deleted as soon as possible. Due to this erroneous reporting, I have been denied credit and I am in the process of purchasing a home. I wrote Sallie Mae and they mentioned that this is not their address and that this account does n't even exist in their records, yet it is showing up on my XXXX and XXXX report. Please DELETE this. This is reporting incorrectly and is against the FCRA reporting responsibilities. The account number is XXXX. Please see attached, for I have circled the account that is showing up on my XXXX and XXXX Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed an agreement with the Bank of the West to take advantage of the CARES Act where I agreed to pay my mortgage forebarance amount in full by XX/XX/2020. I specifically confirmed 3 times on the phone with the agent from Bank of the West that IF I took advantage of the forebarance program and paid all fees in full by XX/XX/2020, I would not have any adverse information sent to the credit bureaus. Knowing that I was going to sell my house and pay the mortgage off in full and all fees associated with the forebarence on XX/XX/2020, I agreed to the program. 

I am now trying to buy a new home and found out that although I fulfilled my obligation by paying off my entire mortgage and all forbarence fees early, that Bank of the West has informed all of the credit bureaus that I was late with a payment. That was not what was agreed upon especially since my entire mortgage was paid off more than a month prior to my forbarence due date. This is a bait and switch and clearly is adversely impacting my credit score. Over 35 years, I have never had a late payment for any of my credit cards or loans. Now I am being penalized with a credit score deduction by over 135 points when my credit score from all agencies has hovered around 800. This predatory lending practices are horrific and are not in line with the intent of the CARES Act. 

I need your support to get the " late payment '' notification to all credit bureaus reversed and a note to the credit bureas and me that they made an error and reverse the late payment notification. If you have any questions or need any further information, please email me. This is yet another financial institution taking advantage of the American public like was done in XXXX with the mortgage defaults.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 XXXXXXXX, XXXX XXXX XXXX, XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint through CFPB on XXXX  about incorrect information shared on my credit report. All 3 CRAs claimed they did an investigation yet are still reporting different info. It is taken me this long to submit another complaint rather than a dispute because of circumstances that could've been prevented with an accurate credit report. With CRA slander holding me back, I have been stuck in an XXXX XXXX relationship. stress from CRAs and debt collectors, which by definition CRA are also debt collectors. They have violated my privacy and my RIGHT to CrMy negative credit score, during that period alone caused/heavily contributed to the following chain of events, To be taken as my AFFADAVIT OF TRUTH, My statement of facts 1. High car insurance cost based on credit score/report was unaffordable so I lost it. 2. My automobile, used for all my everyday business and personal errands was damaged in an accident. High cost to fix and it is not drivable. 3. FALSE reports from credit bureaus prevent me from having credit cards to help pay for the damage promptly. It's still damaged in my driveway. 4. No credit card, no rental car 5. With bad credit due to false reporting can't get approved for an affordable automobile 6. I scraped up what I could and purchased an automobile from a private owner for {$1200.00}. 7. It had bald tires that needed to be replaced, once again my negative credit score prevented me from doing so. 8. Due to the bald tires, I was in a car accident I spent three days and two nights in an XXXX XXXX ( not a private room, miserable emergency room ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Plus another totaled vehicle. 9. I now have no Vehicle and a Credit report holding me back from getting one Credit is supposed 192 of 1933 a.k.a Public Law 73-10 suspended the gold standard and exempts people from paying their debts since their means of paying their debts was taken away from them and replaced with money substitutes that discharge debts instead of paying themed to be for consumers to discharge the debt. yet CRA is in cahoots with lenders to keep scores down, and interest rates up and demand these credit transfers be paid back in federal reserve notes although we were never lent XXXX. We the consumers are the true creditors. All reports are still inaccurate. They are sharing info I do not consent to.I constantly get emails from all the CRA about " pre-approval '' but when I apply I am denied to CRA. If my signature, according to '' Modern money mechanics '' written by the federal reserve itself states that my signature creates the promissory note then are these companies referred tp me by the CRA, still profiting of my application although I was denied in violation of the equal opportunity act? 

P.S. This complaint was supposed to go to equifax the same day I submitted last complaint to XXXX and XXXX. Maybe I thought it did bc of the XXXX XXXX I had to prescribed to
Product: Checking or savings account

I requested close my new checking and saving account at Regions Bank because of my personal info loss. I called their service and they said I need to go to the branch. I have health issues and can not visit the branch due to the pandemic. Regions should close the wrong-open account automatically.
Product: Vehicle loan or lease

According to the Truth in Lending Act.15 U.S.C 1692. that protects XXXX XXXX XXXX a consumer the creditor ( Honda Financial Services ) fails to adhere to the laws under the TILA ,15 U.S.C 1692. 

Under the the FCRA U.S.C 1602. and the TILA 15 U.S.C 1692., creditor ( Honda Financial Services ) did not show that the consumer XXXX XXXX borrowed the actual price for consumer lease, creditor is charging additional insurance fees under the finance charge listed in 15 U.S.C 1692.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX has failed to provide original documents with my signatures nor verification sheet disclosing information. XXXX is using the E-OSCAR not providing verification and missed the 30 day deadline provided in the verification sheet.
Product: Mortgage

Note there XXXX complaints files here they told me to show them errors I feel in retaliation and not fix their errors they sell my mortgage ; My payment was XXXX. No escrow was never late, ask for a short time : On XX/XX/XXXX We sign a modification base on the information from Bank of America that was provided ; Information dated XX/XX/XXXX to XX/XX/XXXX escrow demand XXXX, payment would be XXXX : plus the add 14 years : upset, Bank America made this call. 
all trial payments were made on time ; Modification was delayed but updated from XXXX to XX/XX/XXXX ; on XX/XX/XXXX Mis post of XXXX applied to the principal. Principal adjusts to XXXX ; ( XXXX ) XX/XX/XXXX wave the late fee. were adjusted ; the amount of XXXX and arrearages was not applied : also Bank of America part of the modification was supposed to pay an amount to escrow they did not, As I review we were manipulated by the demand of XXXX escrow when they only need XXXX. They add 14 years based on their figures : Date XX/XX/XXXX : We sign a modification base on the information BOA provided; We made our first payment on XX/XX/XXXX in amounts of XXXX and XXXX and it took XXXX weeks for Bank of America to credit my acct : XX/XX/XXXX as of XX/XX/XXXX sum of XXXX were unapplied total ; I paid all the amount there were due to all statements XX/XX/XXXX to XX/XX/XXXX that were sent paid. I was told all unapplied would make full payments On XX/XX/XXXX they fail to apply all payments to what was due ; applied money for the Deferred Principal balance of XXXX that was not due on XXXX/XXXX then demand escrow amount from XXXX to XXXX ; on Modification estimated of XXXX the fact is they increase my escrow to collect XXXX in less than 8 months, and they have failed to subtract it from the deferred principal balance as they promise as of XX/XX/XXXX on XXXX for XXXX, it should have been only XXXX ( Letter dated XX/XX/XXXX they add XXXX to my loan ; On XX/XX/XXXX I paid the XXXX ; XXXX states XXXX, not XXXX. 
I did not fail on payments Bank of America fail on applying on XX/XX/XXXX bank of America sent a letter stating Capitalizes escrow transaction was delayed until XX/XX/XXXX. 
Our full understanding of modification to help us not to delay In their letter it states does not match XXXX for XXXX and XXXX ; they also take escrow early base on XX/XX/XXXX enclosed. 
;
Product: Mortgage

Rocket Mortgage was requested to remove PMI for which they sent a realtor working with XXXX XXXX  to conduct a BPO to assess approximate value. Paid the required fee to Rocket Mortgage. Realtor requested to take photos of interior for which we declined for privacy reasons. Realtor/XXXX cancelled because we refused photos, and I notified Rocket Mortgage that Homeowners Protection Act requires " evidence '', not explicit photos and although I did not have to allow them into the home, I would do so in good faith so they could assess condition. Rocket Mortgage already has a valid appraisal on file putting the LTV around 70 % and can perform a simple market value report and inspect the home without photos. Rocket stated they would get back to me within 48 hours after I filed my dispute and indicated I would take legal action if they refused to remove PMI. It's been 4 days and there have been no responses nor escalation to legal, or any response indicating of their intent to remove PMI as required by federal statute.
Product: Debt collection

Time-Barred Debts ( OLD DEBT ) If you have old debts, collectors may not be able to sue you to collect on them. That's because debt collectors have a limited number of years known as the statute of limitations to sue you to collect. After that, your unpaid debts are considered " time-barred. '' According to the law, a debt collector can not sue you for not paying a debt that's time-barred. 

I have WINN LAW GROUP collecting on it from my paycheck. 
I assume financial responsibility raising a family and supporting 100 % my permanent XXXX Mother for 4 years now. 

I cant afford such cut back of wages putting my daughter, wife and mother at risk of losing everything. Rime-Barred Debt is illegal to collect on by the FDCPA and the FTC. 

Amount of 25 % of my paycheck is going to a debt which became a tax write off for the bank and a profit for WINN LAW GROUP buying it pennies on a dollar. 

Total debt WINN LAW GROUP wants to collect of {$6500.00}
Product: Credit reporting or other personal consumer reports

This letter is in response to your recent claim that XXXX XXXX XXXX have verified that the account they are reporting under my name is accurate. 

I challenge the accuracy, compliance, and report ability of this listing. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within ( 15 ) days of the completion of your re-investigation.

Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification in unacceptable. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXXXXXX XXXX TransUnion XXXX, XXXX. XXXX ( XXXX, XXXX ), you may be liable for your willful non-compliance. 

More case law of non-compliance, XXXX XXXX Trans Union XXXX, XXXX. XXXX. 

I remind you that, as in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), you may be liable for breaching your duties to maintain reasonable procedures and to reinvestigate under the FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, you may be liable for taking an unreasonable long time to reinvestigate a dispute and failing to delete inaccurate or unverifiable information. 

This account has already been deleted by XXXX and XXXX for FCRA violations. The first investigation was a sham into this account by you. As you know the CFPB is suing XXXX already for sham investigations and not properly verifying accounts, I would hate for another credit bureau to start having the same legal troubles.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX-discharged Original filing date : XX/XX/2012 Latest status date : XX/XX/2012 ATe Account Info Reference Number Court XXXX XXXX XXXX XXXX XXXX. 

THIS HAS BEEN REMOVED FROM ALL CREDIT REPORTS BESIDES EXPERIAN. 
I HAVE DISPUTED MULITPLY TIMES. PLEASE HELP THANKS.
Product: Checking or savings account

My so is in the hospital and he will die without the immediate medical procedures required. NFCU has locked/blocked all access to my accounts, why I do not know. For 4 weeks he has held on as we wait for the procedure. We have more than enough money to pay for the care but they will not allow us to access any of it. 
-Oversea transfer request denied even after phone calls assuring it would happen - Credit cards all blocked and cancelled - Locked out of their website/app Our little boy is dying and they will not do anything! They will not even call us to tell us why.
Product: Credit card or prepaid card

Comenity Bank 's ( Bread Financial ) NFL Extra Points Credit Card 's web site has been down for over a weeks. Contacting them they say they are doing a scheduled upgrade and have now added that it is taking longer than expected. NO ADVANCE NOTICE WAS GIVEN. I get my statements via online access which I am now unable to do -- my billing DATE WENT BY LAST WEEK. They have offered to only give me my balance over phone. I usually track my balance daily and pay in full just before the statement date. I did send {$7000.00} last week but am unsure of actual balance. I suggest that that they be prohibited from reporting any balances to any credit reporting agency for the period that there is no access and 15 days later to allow opportunity to pay, and that they be prohibited from charging any finance charge for that period plus 30 days. In addition they should recognize the benefit of being more transparent with their customers!
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a letter to the credit bureaus requesting that they remove this account for consumer portfolio due to discrepancies. They responded as this account is accurate and updated. It is not. 

I sent a follow up letter XX/XX/year> to them stating that I would like for this account to be removed. 
Again they did not remove the account.
Product: Credit reporting or other personal consumer reports

I recently pulled my consumer report and saw items listed on my consumer report that I did not authorize. I sent a letter to Experian to have the items fixed on XX/XX/year> and have not received any response. Not only do any errors or omissions negatively affect me as a customer, but they also cast doubt on the reliability and efficacy of credit reporting in general. The importance and urgency of addressing this matter are highlighted by the larger context. 

Credit reporting provides guidance for many financial decisions and paths when completed honestly and ethically. However, when tainted by errors, it turns into a maze that ensnares gullible people. My request for correction is therefore an appeal to maintain the greatest levels of precision, justice, and professionalism rather than merely a simple resolution. I look forward to hearing from you in detail. 

I'm challenging inaccurate personal information listed below. 
The information about my name is not reported accurately. 
My current address is not listed accurately.
Product: Debt collection

my car was repossed by a third party whom I never gave written or verbal consent sent a demand for validation under 15 usc 1692g no response I never recieved a letter of reposseion I never got information on when and where they car was being sold and how much the car was sold for also under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the blocking and deletion of the accounts and inquiries listed below, which have resulted from this breach. I ask that these items be blocked and permanently deleted from my credit report immediately. 
Accounts to be Blocked and Deleted XXXX. XXXX XXXX XXXX Account # XXXX Date Reported : XX/XX/XXXX Amount : {$19000.00} XXXX. XXXX XXXX  Account # XXXX Date Reported : XX/XX/XXXX Amount : {$660.00} XXXX. XXXX Account # XXXX Date Reported : XX/XX/XXXX Amount : {$3600.00} XXXX. XXXX Account # XXXX Date Reported : XX/XX/XXXX Amount : {$4600.00} XXXX. XXXX XXXX  Account # XXXX Date Reported : XX/XX/XXXX Amount : {$5100.00} XXXX. XXXX XXXX  Account # XXXX Date Reported : XX/XX/XXXX Amount : {$0.00} Inquiries to be Blocked and Deleted XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/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 XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX - XXXX, XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"