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

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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Product: Mortgage

XXXX mailed mortgage payment for XXXX XXXX, 2017 ; XXXX/XXXX/2017-spoke to customer service rep at Seterus, Inc regarding payment because it had not been posted to account. CSR said give it at least 10 days. XXXX/XXXX/17-payment still not posted to account. at this point, I assumed payment was lost in transit and I put a STP payment on that check and authorized on-line payment from my Money Market account from a totally different bank. XXXX/XXXX/2017-payment posted to account, but funds not withdrawn from MMK account. I called Seterus again to enquire as to why. The CSR at Seterus told me it could take a few days before funds are actually collected. XXXX/XXXX/2017 I received a phone call from Seterus telling me my mortgage account was delinquent and how did I want to take care of it. I explained the chain of events that had already transpired with the payment. The Seterus CSR told me they were not able to collect the authorized payment because the account could not be found. I gave the CSR the MMk account info again and the payment was accepted. This puzzled me. I contacted XXXX XXXX to query the issue. I was told Seterus coded their payment request as a savings account instead of a MMK account and therefore were not able to collect my mortgage payment. Both parties acknowledge, no error on my part, but Seterus, Inc, the mortgage servicer has put the burden on me to provide proof of their mistake and has charged me a late fee and indicated that my mortgage payment was late. In 25 year, I have never missed a payment nor has it been paid outside of grace period. This is very unfair to me as a diligent consumer. XXXX/XXXX/2017 XXXX XXXX ACH supervisor again acknowledged coding error by Seterus but would not provide a written statement to that effect. My attorney suggested that I file this complaint to see if the issue can be resolved and my money for late fee is refunded and my payment record corrected.
Product: Mortgage

I have experienced a hardship related to XXXX with this property and my tenant is unable to pay rent. I have missed XXXX, XXXX, and XXXX payments. I learned recently that XXXX XXXX  provided new guidelines starting XX/XX/2023 that were required by all servicers of XXXX XXXX mortgages to abide by. These guidelines include allowing 6 months of deferred payments to be kept in a non-interest-bearing account that is held until the mortgage maturity. Also, the missed payments that were deferred should not be reported negatively on the borrower 's credit report. 

Upon speaking with an account representative at Mr Cooper on XX/XX/XXXX, he seemed unaware of these terms and his system reflected only an allowance of 3 months of missed payments in a separate non-interest-bearing account. He also told me my missed payments would continue to be reported as being missed. It is as if his system did not have the newly required terms of XXXX XXXX XXXX Enhanced Deferral Program. 

See here for FHFA 's announcement : XXXX XXXX XXXX XXXX here for XXXX XXXX XXXX for these requirements laid out for lenders : XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of : XXXX  Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached :
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These are a vast number of unauthorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX  secured credit card that they closed in Late XXXX due to an identity theft issue that I was experiencing. I paid the balance to a XXXX balance in XXXX of XXXX and the account should have been closed with no late payments... They knowingly continued to report the account was open through XXXX and reported 5 late payments thus ruining my credit reputation and severely harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

The incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Experian Credit Report and need to repair immediately : Office Of The Atty XXXX Balance : {$23000.00}
Product: Payday loan, title loan, or personal loan

Affirm inc. 
Account number XXXX Unsecure loans Date opened XX/XX/2021 Status updated on XX/XX/2021 XXXX original amount Balance of {$1200.00} 6 month ter Balance updated on XX/XX/2021
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to express my concern regarding potential or reported data breaches involving student loan information managed by the U.S. Department of Education and its contracted loan servicers. As a borrower [ or concerned citizen ], I am deeply troubled by the security of sensitive financial and personal data, as well as the potential risks posed to millions of borrowers due to unauthorized access or cyberattacks.

Given the CFPBs role in overseeing financial institutions and protecting consumers, I would like to request : 1. Clarification on Any Recent Data Breaches Have there been any confirmed data breaches affecting federal student loan borrowers? If so, what steps have been taken to mitigate the impact on affected individuals?

2. Consumer Protection Measures What actions is the CFPB taking to ensure that student loan servicers and the Department of Education comply with strict data security standards?

3. Borrower Recourse and Support In the event of a data breach, what protections or remedies are available to affected borrowers, including identity theft protections or fraud monitoring? 

I believe it is critical to ensure transparency and accountability regarding the handling of student loan data, particularly as borrowers entrust federal agencies and servicers with their most sensitive information. I would appreciate a prompt response addressing these concerns, as well as any guidance on how borrowers can safeguard their information. 

Thank you for your time and attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent account on my report. Please remove these account from my report, they are hurting my ability to obtain credit.
Product: Debt collection

This debt is from nearly 10 years ago and is way past the statute of limitations for debt collection. I have not had any accounts with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021
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/XXXX. And now we are in the month of XX/XX/XXXX 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. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor:XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After getting a copy of my report that I ordered a credit report with XXXX XX/XX/2022, I called Experian since I saw some UNVERIFIABLE items on my personal profile. I discovered that there was a COLLECTION account on my credit report. This is disappointing because I have been paying XXXX  to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ) I have never with the items listed below, so please help me remove this COLLECTION, including this incorrect information from my personal profile. A copy of my XXXX XXXX, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I signed up for and qualified for a checking account, called prime checking Several years ago, one of the features of this account was reimbursement of non-Wells Fargo, ATM fees. I found out today that the prime account. they set me up in was for a checking account. I never use whether this was purposeful or a mistake on their part Im being charged ATM fees Going back several years. I have six accounts with this bank two of which are checking accounts one of which I dont use it has a small balance I dont even have a debit card for this account and thats the one they have signed the prime account to not the checking account that has a large balance, and I use every day including direct deposit of payroll so what Wells Fargo did was use the prime account on a checking account I dont use so wouldnt take advantage of all the waving of charges and kept the account I do use with the plan that charges all the fees I cant help but think this was purposeful, a way of tricking me into thinking I have all the services that are free, but in reality, theyve been charging me for years
Product: Bank account or service

In XXXX XXXX, I received mail from Citibank with a promo code that if I opened a Citigold accound with them and met certain requirements ( maintaining min {$50000.00} in account or paying monthly fees on the account, using the account for automatic bill pay, using the debit card with some minimum spend etc ), that I would be awarded XXXX XXXX XXXX miles. I opened the account and met all the requirements by XXXX XXXX. All my paperwork from the opening of the account has the promo code and the terms of the promotion. I was told it would take 90 days after the requirements were met for the miles to post. On XXXX XXXX, XXXX, the miles had not posted. I was told to wait until the next cycle XXXX XXXX. When the miles did not post on XXXX XXXX, I was told that in fact, I was not registered for the promotion and would not get the miles
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable results unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not reporting payments accurately. The following payments are not on my credit report as paid. XX/XX/XXXX {$10000.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$500.00} My credit reports reflects I am 5 months behind in car payments. The following payments are listed as late when in fact they were paid before my due date which is the XXXX of every month. XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid  {$450.00} reported as late XX/XX/XXXX Paid XXXX only XXXX is reflected on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is incorrectly reporting that I was 30 days past due in XX/XX/XXXX for my XXXX XXXX XXXX auto loan. I do n't know how this happened. For years, this account has been paid off and closed and has n't reported activity since XX/XX/XXXX. Since XXXX, this account has been reported as a paid off account that was always paid satisfactorily and never late. The account number is " XXXX ''. I am attaching a screenshot of a bank report from XX/XX/XXXXof this year that shows how Experian did not have a late on this account. Somehow last month, Experian started reporting that I was 30 days late in XXXX of XXXX. I was shocked to find this out because this is incorrect inaccurate information and needs to be deleted immediately. I know this for a fact as I still have all of my monthly statements. Moreover, XXXX and XXXX are not reporting a late on this account. This is more reason to believe Experian is making this reporting mistake. I will also be including a section of a recent report which shows how only Experian is making this mistake.
Product: Debt collection

On XX/XX/XXXX, I received a notice that derogatory information from Amsher Collections Services was added to my credit report and they also added a false address to my credit file on after I filed a dispute. Amsher Collection did not initially have my home address and the credit bureus verified they updated my North Carolina address and changed it to a California address I do not reside at. 2 credit bureaus immediately deleted this false collection, but XXXX  is the only bureau to say that Amsher claim the debt is valid after I filed a dispute.

I have not received copies of any contracts, bills, statements, or debt verfication or requests for payment from Amsher. They only added false collection account information to my credit report without have made any prior communications to me.
Product: Credit reporting or other personal consumer reports

This serves as an official letter, and I am choosing to opt out of the XXXX XXXX XXXX XXXX. I want to permanently opt out of XXXX, XXXX, XXXX, and TransUnion, and provide to businesses that send firm ( preapproved/prescreened ) offers of credit or insurance. I also want to remove my name from the list for firm offers of credit or insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX, XXXX, and Experian there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX/XXXX  Card Act. # XXXX XXXX Act. # XXXX   XXXX/XXXX Act. # XXXX XXXX  Act. # XXXX-XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX  | ( XXXX  ) XXXX XXXX XXXX Act. # XXXX XXXX XXXX XXXX, XXXX, NY XXXX | ( XXXX  ) XXXX  THIS ACCOUNT IS REPORTED WITH SAME ACCOUNT NUMBERS AS OPENED AND CLOSED WHICH IS A VIOLATION OF THE FCRA AND CREDITOR CAN NOT PROVE THIS ACCOUNT BELONGS TO ME AND NEEDS TO BE REMOVED OFF MY CREDIT REPORT. THIS ACCOUNT IS NOT MINE XXXX/XXXX Act. # XXXXXXXX XXXX Act. # XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX | ( XXXX  ) XXXX   CREDITOR HAS VIOLATED 15 USC 168123 ( a ) 7 THE CREDITOR HAS STATED I WAS LATE XX/XX/2018, HOWEVER, I HAVE NEVER BEEN LATE ON THIS ACCOUNT. THE CREDITOR CAN NOT LEGALLY REPORT THESE LATES BECAUSE THEY HAVE NO PROOF OF GIVING ME AN EARLY WARNING NOTICE AND I HAVE PROOF OF ONTIME PAYMENT TO THIS CREDITOR AND RECORD OF PHONE CALL THAT CREDITOR HAS AGREED TO CORRECT THIS ERROR AS I HAVE NEVER BEEN LATE ON THIS ACCOUNT. PLEASE REMOVE THESE LATE PAYMENTS AND CORRECT THIS ACCOUNT AS NEVER LATE
Product: Credit reporting

XXXX, CA. XXXX XXXX XXXX XX/XX/2017 1. XXXX, IN XXXX 2. XXXX MI XXXX 3. XXXX, PA XXXX XXXX. Copy : ( 1 ) XXXX ( 2 ) XXXX ( 3 ) EXPERIAN RE : CREDIT REPORT CORRECTION : XXXX The attached STATEMENT OF ACCOUNT from XXXX has written off this debt collection to XXXX balance. 
a. I am requesting XXXX, XXXX and XXXX to stop their continual harassment, fabrication of lies, and distortion of facts of fraudulent debt collection on this case immediately. 
b. I am requesting that XXXX to report this item to credit bureaus of XXXX , XXXX and EXPERIAN as per the statement of account attached to stop the fraudulent business practice of XXXX , XXXX. 
c. I am requesting from XXXX ( 2 ) XXXX ( 3 ) EXPERIAN that this debt collection still listed on my credit report be removed and should be disregarded by the credit bureau agencies ASAP. 
d. I am demanding that XXXX order the removal of this item off from my credit report. 
e. I did not signed, received or order any treatment from XXXX, the XXXX Sheriff Department order and signed off for this treatment to cover up an illegal arrest and I was never treated by XXXX, the {$0.00} balance as indicated in the statement of account attached should be updated with the credit bureau as {$0.00} balance and this items removed from my credit report ASAP.
Product: Debt collection

XX/XX/2019, I received an alert on my XXXX XXXX about a new collection that appears on my credit reports. I sent an email to info@securitycreditservicesllc.com and cs @ securitycreditservicesllc, com regarding failing to send me a Dunn letter regarding the alleged account and demand Security Credit Services , LLC to validate this alleged account. 

Please see the email below.
Product: Credit card or prepaid card

I have a POA for  a Citi Bank  customer. I paid for  XXXX   XXXX   XXXX   XXXX   credit card using on-line bill payment from   XXXX    XXXX   XXXX  to  Citi Bank. Unfortunately, I had a typo in the amount of the check. I typed {$15000.00} rather than {$1500.00}. Citi Bank has been unwilling to return overpayment to me.