23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX of XXXX I paid my XXXX mortgage paymet payment via phone and payment was confirmed verbally by an employee on the phone. Two weeks later the money was still in my bank account so, I phoned PRMI to find out what happened. They stated that the routing number of my check by phone had been transposed wrong and they verbalized their error and were unable to take my payment by phone at that time as my payment was now late. I attempted to speak to corporate to try to resolve the issue and get back on track however ; they hung up on me. I later paid it through my XXXX account as I usually do and they reported me to the credit bureau for their mistake. I am concerned about a mortgage company not being up to date on routing numbers and this proves that their billing practices need improvement as we know routing numbers are common knowledge and this should not have even happened in the first place. I am again having issues with PRMI as I made my XX/XX/XXXX payment through my XXXX  bill pay and the did not accept payment. I phoned XXXX  and I have a proof of payment and their decline of my payment. How can a mortgage company refuse payments? I am concerned as they are affecting my credit by not accepting my payment and then reporting me to the credit bureau this is unfair and very concerning.
Product: Debt collection

First I like to explain that my choices above do n't match my situation that I am faced with. Although I do n't owe anything on this debt and it can not be collected. I did n't have the right choice so I put the dot in the Debt was paid spot. Now, I had a car that was repossessed in Texas. I had the car through XXXX XXXX who was my lender in XXXX/XXXX/2012. After the repossession XXXX did n't follow Texas Repossession Law. I asked NCB Management Services Incorporated to validate that this is a collectable debt under my rights as a consumer. I am going to provide all the information that I asked NCB Management Services Incorporated to return all the information that I need. Based on Texas Repossession Rights : Vehicle Information ; Year : Make Model Vehicle Vin Number : When the last payment was made month & year? 
When was the vehicle picked up month & year? 
What address was the vehicle picked up at? 
Who was the original lender? 
What address you send any letters to concerning the buy the car back? 
What address you send any letters to concerning the date of the vehicle sale? 
What capacity the car was sold in auction, private, bank sale and Date & Month? 
After or Before the sale did you provide in full detail the financial itemized report on damages, deficiency judgment, mechanical work itemization, and amount of sale letter How much was the car worth before the sale? 
How much was the car sold for at the sale? 
Provide all certified letters that were mailed out to the consumer by Texas Repossession Law. That notified the consumer what transaction was taking place on the vehicle. Under Texas Repossession Law the Consumer must have all this information and if the lender has not contacted the consumer on the sale of the car then the consumer is not liable for the remaining balance. I am asking for NCB Management Incorporated to be removed off my credit report because I asked them to provide to me this information within 30 days and they failed to d so in the allotted time frame. I would like an investigation done on my rights as a consumer under Texas Repossession Law. I ma providing a audio recording of the conversation with NCB Management Services Inc and my Personal Financial coach XXXX XXXX. In which they claim they do n't have to prove anything to the consumer that their collection efforts are valid. That is not true by the FDCPA, Fair Debt Collection Practice Act in which we have the attachments they needed to prove to me that their efforts as a collection company is fair to the Law.
Product: Credit card

I have been making payments on this account each month without missing any payments. It should not show that it is late or in collections.
Product: Mortgage

I was wrongly foreclosed on in XXXX, and was included in the National Mortgage Settlement class in XXXX. 

In accordance with the terms of the National Mortgage Settlement, I received a cash payment, and the foreclosure was removed from my credit history. 

However, Nationstar referred repeatedly to this foreclosure in refusing to grant me a refinancing in XXXX XXXX. Of course, no record of the foreclosure exists in the databases of the XXXX reporting agencies Nationstar used : XXXX, XXXX XXXX or XXXX. Instead, Nationstar cited some other record, document, " fraud report '' or such proving the foreclosure, although, as recently as last week, they have continued to refuse to show me the document, precisely describe it or tell me where they 'd found it. 

I have made numerous requests for this documentation, and have also gone to great lengths with several members of the Nationstar sales and customer relations teams to establish my membership in the National Mortgage Settlement class and even to explain the Settlement. Most of my inquiries have been met with silence, or occasionally an email which completely ignores the Settlement and my claims with relation to it. On several occasions, Nationstar representatives pretended not to know what the Settlement was. 

I was able to refinance successfully with XXXX XXXX in XXXX XXXX, at favorable rates. XXXX, which also uses the XXXX above-named reporting firms, did not find any problems with my history and made no mention of the foreclosure, incidentally. 

Do I have any recourse? Will financial firms continue to be able to deny me financing on the basis of a foreclosure that should have been removed from my credit history? Or is Nationstar in the wrong?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Barclays XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Subject : Request for Goodwill Adjustment to Credit Report Dear Barclays, I hope this message finds you well. I am writing to formally request your assistance regarding four late payments reflected on my credit report associated with my account XXXX. These late payments occurred in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and while I acknowledge the impact these may have had on my credit history, I am reaching out in the spirit of goodwill to request their removal. I have been a loyal customer of Barclays and have made consistent efforts to maintain good standing with my financial obligations. The late payments in question were due to unexpected financial hardship and XXXX  issues from XXXX. Since that time, I have worked diligently to improve my financial situation and ensure that all payments are made on time. 

As I strive to improve my credit score for applying for a mortgage, I kindly ask you to consider removing these late payments from my credit report as a gesture of goodwill. I believe that this adjustment would better reflect my current commitment to responsible financial management and would greatly assist me in achieving my financial goals. Thank you for taking the time to consider my request. I appreciate your understanding and support. Please feel free to contact me at XXXX or XXXX if you need any further information or documentation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I recently discovered that fraudulent activities were conducted on my account without my knowledge or consent. As a result, I believe it is essential for the checks system and other reporting agencies to remove the fraud alert associated with my account. This situation not only infringes upon my consumer rights but also violates UCC 9-509, which protects my right to privacy and control over my financial information. The unauthorized sharing of my data by banks and reporting agencies compromises my trust and rights as a consumer. I urge immediate action to rectify this matter and restore my standing. I opp out of all matters
Product: Credit card

I am the Victim of identity theft. I have never authorized the following inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX Please remove.
Product: Debt collection

A fraudulent credit card account from XXXX XXXX was sold to Midland Credit Management. XXXX XXXX released me from liability from this account because it was opened without my authorization and is a result of identity theft. This account appears on my credit report fraudulently even though XXXX XXXX investigated and found that this account is a result of ID Theft.
Product: Vehicle loan or lease

I have already called Audi regarding this issue and they were not able to resolve it for me on the phone, they told me I need to submit a claim over mail and that it is not guarenteed it will be resolved. 

I was told I was set up for auto payments but when time came for the payment, it did not go through and I was not informed. I was only ever informed through XXXX XXXX when the payment his 30 days late and I immediately paid for the overdue payment, the current payment, and the future payment as well. I have never missed a payment in my life for any of my lines of credit. I contacted Audi and asked them to rescind it as the dealership told me I was set up for auto payment but they asked for proof which I did not have. This was only my second payment for the car. I have since set up auto payment myself through the website and I have been up to date with the payment. This reduced my credit score by over 100 points and I have worked very hard for many years to keep my credit score. This single payment has completely destroyed my score. I have attached the payment I made for 3 payments at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 
These are the creditors as follows : 1 ) XXXX XXXX XXXX XXXXXXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX XXXX 5 ) Netcredit
Product: Credit reporting or other personal consumer reports

Dispute Of Inaccurate Reporting of Late Payment on my credit report relate to the following account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

Subject : Request for Incorrect Late Payments under the FCRA, specifically 15 USC 1681.

I am writing to dispute an incorrect late payment report on my credit report, specifically in regards to the accounts referenced with XXXX XXXX XXXX XXXX # XXXX. 
Upon thorough review of my credit report, I have identified discrepancies in the reporting of these accounts. To the best of my knowledge and records, I have consistently paid these accounts on time and in accordance with the agreed-upon terms.

Violation of the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between myself and your company. Payment history, particularly late payments, negatively impacts my consumer report and constitutes a part of such transactions and experiences.

Additionally, under 15 U.S.C. 1666 ( b ), I request documentation of the reasonable procedures you have in place to ensure that periodic statements are mailed to me no later than 21 days before the payment due date. This documentation should include all information required by 15 U.S.C. 1637 ( b ) regarding the contents of such statements.

Reference to PAANL ( Paid As Agreed Never Late ) : The terms of our agreement have consistently been adhered to. Therefore, the account should be reported with a status of " Paid As Agreed Never Late '' to accurately reflect my timely payments. Any deviation from this status misrepresents my financial responsibility and commitment to fulfilling my payment obligations.

Request for Proof : To validate the reporting of late payments on these accounts, I request the following : Documented proof supporting the claims of late payments, including dates, amounts, and any relevant communication.

In the absence of valid proof, I demand that these accounts be promptly updated to reflect their accurate status as " Paid As Agreed Never Late. '' Request for Timely Investigation : In accordance with the ( FCRA ), I request a thorough investigation of this matter and a written response within 30 days of your receipt of this letter. Failure to adhere to this timeline will be considered a violation of the ( FCRA ).

Please treat this as a formal dispute under the ( FCRA ). If the inaccurate reporting is not corrected or a satisfactory resolution is not provided, I may escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or take legal action to ensure compliance. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide a written response with the results of your investigation. If you require additional information, I can be reached at XXXX Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've been trying to access my account w/ Experian to monitor my credit rpt and also to freeze the acct due to recent security breach of my mortgage company but unsuccessful. 

The login process requires an extra step by sending a validation code through a phone via text or call. However, despite having registered my cellphone w/ Experian , Experian kept sending the code to my old/discontinued landline which I disconnected with XXXX XXXX XXXX 4 months ago. I tried to talk to live agent to resolve the issue, but their live agent is only for fraud dispute and the agent kept forwarding me to their automated robot, who in turn kept sending the validation code to my landline which I can't get, and therefore can't complete the validation process to login to my acct. This just keeps going on an endless loop. 

I also wrote and sent a certified letter to Experian a month ago asking them to correct the problem or to contact me to resolve this issue, but they never bothered to respond, so I'm stuck - can't talk to Experian 's live agent and can't access my credit report online because I can't get Experian to send the validation code to the correct cellphone # which I registered w/ them. I tried to create a new acct w/ my cellphone # but can't do that either. Please assist!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I put a disputed for this Collection account from XXXX with account # XXXX and a balance of {$1200.00} original creditor is XXXX UNIVERSITY. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

*Account was verify/Updated as been verified and accurate*. 

On XX/XX/2023 I resend a disputed for this collection account from XXXX with account # XXXX and a balance of {$1200.00}. The original creditor is XXXX UNIVERSITY. 
I previously disputed this account stating : ''I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 

On XX/XX/2023 I receive what its to be verification from XXXX collection agency proof from the original creditor that this debt collector owns this debt. Which is not because like i said before I have never signed anything with this company or own this money. I have provided a copy of my license and a copy of the proof I receive. CLEARLY THE CREDIT BUREAU HAS NOT VERYFIED ANYTHING!!!! BECAUSE THE SIGNATURE ARE NOT EVEN THE SAME.!!!! 

At this point you the credit bureau are allowing this creditor to bully me and violated my rights as a consumer/CLEARLY you ARE NOT verifying the account at it contains numerous discrepancy.

PER 15USC 1681 ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPLY DELETED that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or DELETED from the file of the consumer. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Mortgage

M & T Bank has been originating mortgages without a license and is targeting XXXX and XXXX owned mortgages for foreclosure all while denying them loans at a rate inconsistent with their share of the population. Claim for state of Vermont, currently. Can provide proof of violations in all 50 states. This complaint makes me fill out a mortgage address. While this address fell victim to foreclosure by predatory lenders, M & T Bank was not the lender. This complaint is a general consumer complaint, separate but related.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car that was totaled by my ex who took my car without permission and had a car accident and he got a lawyer and supposedly settled and the insurance paid the vehicle that was in XXXX or XXXX I believe. Well now in XXXX it showed up on my credit report stating the loan was opened in XXXX of XXXX and that is completely false. Ive tried disputing and it doesnt get removed. I tried calling the company and they dont even have any information to give me about the account, I explained to 5 different people it was paid off by whoever hit him their insurance paid it. I was told that from his attorney because I have a restraining order on him we do not speak. I even had the police report saying I wasnt in the vehicle so The other person at fault was responsible for the pay off. I need this off of my credit report. The date is wrong this account wasnt opened in XXXX that is completely false information. And to my understanding it was paid off this was 5 years ago. I dont know if they put the payoff on wrong car since the check came from his name since hes the one who settled. I dont know but this needs to get fixed. Its been 5 years and when I call to ask more information to NCB management they had zero information to give me. They couldnt explain why that debt is there. Ive attached picture of court document where we went to court for him stealing my car and totaling it and a picture of the date and year so you can see theres no way the account was opened in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a new social security number and I checked into my credit to try to make sure I was being safe with my scores and being on top of them. 

I have XXXX credit card with a {$200.00} line of credit. That I use for cash and groceries. My credit score started at over XXXX and within 5 months of not using anything, the credit has dropped down to XXXX points. Which is below any related needs for any loans, mortgages, employment-based background checks etc. 

This is beyond appalling that even a NEW social security number and NEW credit score is subjected to this type of specif algorithm attack to make it so that I can not do anything within the country without this score being at least XXXX point.s This is absolutely uncalled for and there is no reason why NO ONE from Experian can explain to me how this system works or why my credit score is going DOWN even when I'm making my payments on time for XXXX credit card. 

They told me to gain a credit history. Well, news flash, I can't even get any loans now because of this nonsense. Even with my income or my husband 's income on the applications, I am going to be denied. Each hard-hit inquiry will only lower the points further. This credit system has created a Catch-22 system where I'm supported to get history, but can't because my starting score is just going down from nonuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loan from XXXX was paid off over ten years ago and this account still show on my credit report this account is to old to be on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

after multiple phone calls with Experian customer service. they are still refusing to remove a closed accountant reporting a balance that's not mine. it's just so surprising how this third part companies can get away with reporting false inaccurate information on consumer profiles. and send fraudulent items back as verified. Experian will not remove a XXXX XXXX XXXX after a phone called i have prior to XXXX XXXX XXXX and verifying that this information has been updated with the credit bureaus. XXXX and XXXX did remove XXXX this account that do not belong to me. Experian is also refusing to remove a personal statement that i submitted on my credit profile as well. Experian disregard for federal laws and rights of consumers. Is unethical and illegal on so many different levels. and making profits of consumer my reporting false and negative information. you would think that accountant that's not yours would be easy to remove especially. when it's been updated by the original creditor. and the other two bureaus. i will be filing a federal complaint against this financial institute. and will be seeking damages for emotional distress. violations under the fair credit act as well. from my rights being violated.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFBP lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFBP 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises concerns about consumer safety.