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

Experian routinely accepts a report of a missed payment on an account with a XXXX balance from XXXX  XXXX XXXX, Experian does not investigate the matter thoroughly. They continually accept a reported late payment from XXXX XXXX XXXX on an account that was closed and written off years ago. A previous complaint filed with CFPB finally showed the balance on the account as XXXX ( {$0.00} ), but Experian still accepts as accurate a late payment on that XXXX balance every month, thereby indicating habitual late payments on an account with a XXXX balance. FURTHER, Experian will not perrmit me to file a dispute, claiming the matter has already been investigated. Further, XXXX XXXX XXXX first made this adverse report on XX/XX/XXXX. The seven year period has run and this account should be dropped from this report, but still appears on the XX/XX/XXXX credit report. Experian will not permit me to dispute this either, saying the information reported is accurate. MONTARY RELIEF should be awarded for failing to provide a method to dispute a subsequent, but incorrectly reported, late payment and for failing to exercise diligence in watching the seven year period.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/year>XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/, a letter requesting verification and validation was sent to Receivable Recovery Services ( RRS ) in regards to an unknown dept balance from XXXX XXXX XXXX. It was explained in the letter that I was unaware of the dept, provider where dept was stated to be from, and that there was no consent/authorization given for my personal information to be shared with a dept collector. The letter requested that RRS provide me with validation and verification of debt, HIPPA authorization signed by myself, a breakdown of fees including any collection costs and medical charges, a copy of my signature with the provider of service to release my medical information to the debt collector, and that credit bureau reporting cease until debt has been verified and validated. Two letters from RRS dated XX/XX/ was received by myself stating that my request for validation and verification was respectfully declined. The letters also included dates, times, and deadlines for correspondence and disputes that I was unaware of due to being unaware of this dept. A follow up letter was sent to RRS on XX/XX/ requesting validation, verification, and proof that the stated accounts were mine in the form of previous requested documents. Attached with this letter was another " Request for Validation and Verification Letter ''. On XX/XX/, RRS responded with a letter with the account numbers and balances. The letter concluded, " Therefore, this letter will serve as our validation of the dept to you ''. The response from RRS was inadequate, and did not meet any of my requests listed on either letter I sent previously.
Product: Debt collection

XXXX XXXX called my job, told my co-worker that he was calling about documents. When I got on the phone, he never gave me the minimeranda. I asked him not to call me at my job. He said he didn't have to stop calling me at my job. That I would need to send that to him in writing. I told him to stop calli g me at my job. He said he was going to just put it on my cbr. 
I called him from my cell phone I asked to speak to XXXX XXXX. He never did any verification nor give the minimeranda. I asked if they had mailed me anything in writing he said yes but I was intentially avoiding it. I asked him when they had mailed me something, he said he didn't have that info but wasn't going to mail me anything else. He was rude & in both conversations I felt threatened by his tone. I asked for their address, he gave me a Texas address. I asked for their corporate office address, he said they were located in New York he didn't have it but I could call their # & they would tell me their call was legitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion I demand all delinquent accounts & Inquiries you are reporting in my consumer file to be removed! 
Your delinquent reporting has defamed my character and limited my ability to extend commerce transactions within society 15 U.S. Code 1681 ( a ) ( 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. 

I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume no evidence of the XXXX XXXX therefore exists. 

This matter has been ongoing for several months, You now have 10 days from reciept of my request to resolve this matter. 

15 U.S. Code 1681 ( d ) ( 1 ) The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ;
Product: Mortgage

We refinanced our home and the loan was sold to Mr. Cooper. During this time, we purchased a lot behind ours so our green space would not be sold and developed. Our lot will increase by .1837 acres. We paid cash for this less than 1 acre of land. We sent paperwork to Mr. Cooper to include this PAID FOR LAND onto our deed ; thus making the property worth more than what they financed. I have been in contact with several different people about this addition to our mortgage. I have had a lawyer contact them. Mr. Cooper is requesting an appraisal of our total property which is an undue burden on us. An appraisal was not necessary when we refinanced, so why should it be necessary for an appraisal now? I did not request my loan to " sold '' to Mr. Cooper, they were not my choice. I sent all the necessary documents to Mr. Cooper and the lawyer sent documents also. There are at least 4 other household affected by this company. There are about 80+ properties affected by this buy out. Only Mr. Cooper is requesting an appraisal. This appraisal is going to cost about {$1500.00}. Then we will have to pay an additional fee to have it added to our deed. This is a ludicrous demand, causing a financial hardship and massive amount of additional paperwork. I started this paperwork process back in XXXX. They took their time getting back to me. I phoned several times, I finally got in contact with a supervisor who agreed this seemed overboard. I have a trail of emails from me and my lawyer attempting to resolve this matter. I have had to pay out of pocket for the lawyer and can't believe this demand being made by Mr. Cooper. It is a very simple process, I have sent all the supporting paperwork and gave my lawyer 's name for additional questions. Not only have they demanded an appraisal, they have been very bad about contacting me and my lawyer back. This is now XXXX and I have been trying to get this resolved since beginning of XXXX. I am extremely frustrated and discouraged. I do not understand the need for an appraisal for such a minute addition of paid for land ; especially when there was not an appraisal needed for the refi. I know there has been at least one other land owner that has contacted you about this company. Thank you for your prompt attention to this matter, you have at least one other complaint so far. I have retained a trail of emails, I don't know how to copy/paste these but will be glad to forward them.
Product: Credit card

The XXXX credit service is using deceptive practices! XXXXm contacting the XXXX XXXX XXXX regarding the fact that they negate to give you a monthly summery on all your purchases. By doing that it leaves the consumer in the dark about what they purchased and also an account of the dollar amounts. By grouping the non interest account with the regular purchase amounts you cant figure out what your individual balances are. Every other credit card company gives you a monthly purchase account. Your unable to screen if your cards been tampered with if you cant see the activity. They are scamming many elderly people and women. Woman are the largest consumer group using XXXX. They need to be accountable to these practices! Please join to sue the company!
Product: Credit card or prepaid card

I wanted to close credit card of Truist bank. Their credit card services sent me the bill of XXXX cents without explanation for what they are charging me. They put XXXX dollars as a previous balance, then XXXX dollars of fee charges and XXXX of interest charge. They wrote that if they will not receive your minimum payment I will have to pay late fee up to XXXX. They never sent me the bills before as my credit card was blocked by them and I could not see it on line banking. I paid them XXXX by check, because I am on low income and they are threatening me with their charges. But I want my money back and explanation about the charges on my account, I hope you will help me, regards, XXXX XXXX
Product: Debt collection

I have a credit card with Fortiva. I've been late on making payments, but not 30 days past due. They've contacted me on XX/XX/XXXX and XX/XX/XXXX from the phone number of XXXX. When the call came through, the caller ID listed the inbound call as " Est Plan Strtgy. '' I'm guessing this is short for Estate Plan Strategy. If this is intentional on their part, I think this is deceptive and underhanded to misreprent themselves as another entity. I would like for this matter to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter on my first police report XX/XX/2022 ( XXXX ) and letter for identity theft. Tracking Number XXXX USPS to have the account XXXX XXXXXXXX XXXX removed from my credit report. XXXX, XXXX and Equifax all removed this account from my credit On XX/XX/2022 These items where place back on my credit report by XXXX and XXXX. I called in to dispute these items immediately. I was told I can not dispute these items because the creditor said the debt was mine and the debt had been validated. I asked for proof of validation. I was told that was something that could not be provided to me as consumer. I filed another Police Report ( XXXX UPDATE ) XX/XX/2022 and sent it certified mail ( XXXX ) I attempted to dispute this account again However XXXX and Equifax rep told me the account would stay on my report. On XXXX I spoke with XXXX a specialist that XXXX made me pay for in a membership benefit form. XXXX told me to send in another police report. But there was not much she could do. I explained the COST of sending in information and my lack of transportation due to being affected by the pandemic. Documents sent XX/XX/2022 Tracking XXXX According to the Fair Credit Reporting act

15 USC1681.Section 602A I have a right to privacy. According to 15 USC 1681 Section 604A Section 2 No financial institution is suppose to share my information to a third party. I did not give written permission to have the accounts added to my credit report. I have also attached a recent copy of my FICO report to support and show inaccuracies. This clearly violates my federally protected consumer rights
Product: Credit reporting or other personal consumer reports

Since there have been multiple violations of the necessary reporting requirements, my report 's data can not be reliable and full. Having stated that, I reject your accusations and challenge you to show me your justification for including this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX Collection {$1500.00} XXXX XXXX Charge-off {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & Equifax also XXXX you are reporting incorrect information to my credit report for the following account XXXX XXXX PLEASE DELETE IMMEDIATELY my XXXX reported a 0 month Term but Equifax Isnt reporting a monthly Term at all also XXXX is Reporting a 1 month Term why are these XXXX credit Bureaus reporting are different if you all get the same reporting from the same source for XXXX XXXX below will be proof attached PLEASE DELETE THIS INACCURATE ACCOUNT IMMEDIATELY FROM ALL THREE CREDIT BUREAUS Please verify and delete immediately Ive reported this issue before and nothing was fixed
Product: Debt collection

I checked my credit on XXXX XXXX XXXX. Noticed that an account I do not know about was put into collection. That same day I made contact with the original creditor in which gave me the contact information who they had sold off the collection too. I was never notified or called once by XXXX XXXX XXXX  XXXX new debt collector ) and still have not received anything until this day. I 've made several attempts to contact the company which always ends in failure. I do not know what else to do at this point
Product: Vehicle loan or lease

I have leased a car from Hyundai Motor Finance. I called Hyundai Motor Finance in the second week of XX/XX/XXXX  for my Title. I have changed state from XXXX  to XXXX  and in order to register my vehicle I need my title. I have contacted them several times and every time I have contacted them they told me a new story. Firstly they asked me to upload certain documents which I did. When nothing happened for a while I called them again and my call was transferred to a senior manger who was quite rude to me without any reason. He asked me to upload more documents which I did on the same date. Nothing happened again and therefore, I called them again. Now they asked me to upload the check. I specifically asked them whether I needed to do something more as I am in desperate need of the title. My registration will expire in a week. They said no this is enough. My registration expired and I didn't get the title. I called them again. Now they said I have to mail them the document. I talked to a senior manager again and he was pretty rude. I posted the documents to them and with the tracking number ( XXXX can see that the documents were received by them. Still no action. I am so done with the company right now. They have harassed me mentally and wasted so much of my time. I really need them to send my title asap.
Product: Credit reporting or other personal consumer reports

I attempted to cash a {$100.00} check twice. They were the same check. 1st attempt was on XX/XX/XXXX and the 2nd attempt was XX/XX/XXXX. Each attempt was an automatic denial. To clarify, this was the same check wrote out to my husband and I from XXXX XXXX based in California. Ive never been denied cashing a check until this point. I am confused as to why I was denied. The reps over the phone was not of any assistance. This experience is beyond humiliating and discriminatory. I ordered my report from certegy in hopes of getting more information. I received my report by mail. The reason for the decline it did not meet the acceptance guidelines, which may vary by check cashing location and transaction. My husband was with me on my 2nd attempt and he was able to cash this check without issue. Each location I looked I was looked at as if I was a criminal. There is no record of a bad Check I presented to any place, ever. There was nothing listed under my outstanding items according to certegys report. Certegy provided a list of places I was able to cash checks earlier this year and in XXXX. I fear if I have to cash a check going forward I will not be able to and will be subjected to sane issues. My name needs to be cleared or I will sue them. Who Certegy to determine who can and can not cash a check? I understand if I had history with fraud and unsatisfactory check cashing experiences but there is nothing on my record. I even pulled a report from XXXX XXXX and still nothing. This is outright discriminatory and inconsistent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an can loan that I made a payment arrangement with due to covid, they said that it would not report to my bureaus, and reported it " affect by natural disaster '' AND reported it as 30 days late! I was in the middle of purchasing a home and got declined due to the late as it dropped my score by XXXX points. They made a covid arrangement with me on the payment and then STILL reported me late as they assured they wouldn't as it was due to covid. I have never been later ever and it was just for one month. They said they could remove the " affected by natural disaster '' on their side and would dispute it was the bureau but I never did and it wasn't changed. They said they are not allowed to just remove the lates on their own and I need this fixed immediately to have any chance to save my home loan.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit. Thank you 1. XXXX  XXXX XXXX XX/XX/XXXX - {$920.00} 2. XXXX XXXX XXXX XX/XX/XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to check out a new car at XXXX XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. I have reached out to the FTC and my local police department and I am doing this on my own behalf. These items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX. Inquiries : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file at Equifax has an incorrect birthdate. Equifax was first notified about this on XX/XX/XXXX. In order to correct this, Equifax requested copies of my driver license and social security card to verify my identity and birthdate. Copies of these documents were faxed to Equifax on XX/XX/XXXX. Equifax then sent a me letter stating that the birthdate in my file had been corrected. This letter had a confirmation number and was dated XX/XX/XXXX. On XX/XX/XXXX, I contacted Equifax by telephone to lift a credit freeze, and I learned that the birthdate in my credit file was still incorrect. Equifax had no record of the letter or confirmation number it had sent me on XX/XX/XXXX. Equifax told me they would investigate the reason they had the incorrect birthdate on file. On XX/XX/XXXX, I received a letter from Equifax stating that they had verified that the incorrect birthdate was correct.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


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.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX 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! 


Update the late payments from my consumer reports
Product: Student loan

i don't have any knowledge of this account. please send me a full validation of the debt with bearing signature. also the account needs to be 100 % accurate, Verified and timely
Product: Mortgage

My mom passed away on XX/XX/XXXX. I have been trying to pay her mortgage and my mortgage but when COVID hit it became difficult.

I came into some money and I wanted to catch up on my payments to Bank of America. On XX/XX/XXXX I called and spoke to a representative and they laid out some options. She said the best course of action was to submit for a loan modification and to not do anything until it is decided. I did however go ahead and pay {$1000.00} as a good faith gesture. Today I was informed that the girl that originally " helped '' me didn't do the right process. Instead of paying {$6000.00} XXXX grand on the XXXX, had I been instructed to, I now have to pay {$10000.00} plus {$1100.00} for an attorney. These calls are monitored and they should be replayed. We are hit with added money that is not our fault. I was abled and willing to pay on the XXXX but was instructed by BANK OF AMERICAS EMPLOYEE to not do this, so, I assumed I was taken care of.
Product: Student loan

Some of my loans were consolidated with out my approval. Now as i 'm paying off individual loans to get my payment down i have a large balance that instead of XXXX or XXXX smaller loans.