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

I am submitting, once again, this CFPB Complaint to request to you to correct the information you report on the following account. When I checked my credit record, the previously disputed erroneous accounts are still reporting inaccurracies on my Credit File. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX Opened XX/XX/2021 Balance : {$710.00} XXXX XXXXXXXX XXXX XXXX Opened XXXXXXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX  XXXX XXXX Opened XXXXXXXX XXXX XXXX Balance {$690.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report stilll show inaccurate accounts in they where not investigated.the Name and dates are inaccurate. This is grounds for removal they also violated my rights under 15USC 1681 section 602 A. States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

The Credit bureaus didn't do a investigation in 30days its been 2years in my credit report is still very much so inaccurate they didnt do investigations I sent letters by certified mail and i also disputed online as well. 
I even called after the Letters to fix this problem. 
Nothing has been done. 

Heres my mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I was given an electronic Vanilla Visa Gift Card for {$200.00} as a gift from work. I attempted to use it at XXXX. It wouldn't process it. I attempted to use it on XXXX, it wouldn't process it. I called XXXX and they stated that this was due to security reasons. I requested to speak with a supervisor, she stated they would tell me the same thing and that I should just keep trying to spend it at other places. This is an electronic gift card not a physical gift card, using it a physical location is prohibitive.
Product: Debt collection

I hope this letter finds you well. I am writing to address an issue I have discovered on my credit report with your bureau. After reviewing my credit history, I noticed that there are late payments recorded on my account. I am writing to dispute this late payment and request its removal or correction from my credit report. XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I have attempted vigorously to settle my foreclosure with Rushmore bank for several years after my loss of employment, due to a permanent XXXX. Ive hired real estate brokers and attorneys to settle all the debt associated with the property through loss mitigation. However, Rushmore has acted in a disingenuous and deceptive manner by not truly evaluating a fair and reasonable offer to settle the debt through a short sale. They have violated loss mitigation procedural safeguards for me as a homeowner by consistently not evaluating the proper settlement of the property. In exchange, I have made every attempt and given numerous documents to validate the current condition and value of the home. This complaint is served as an appeal to the erroneously and fictitious property values that Rushmore is utilizing to reject my short sale. 

In the year XXXX, XXXX XXXX, a portfolio resolution specialist, arbitrarily suggested the property was worth low $ XXXX without ever inspecting the property. When he was told the home was a rehab, he than suggested I sign over my home in a Deed in XXXX and they would do the construction on the home. He never considered the other encumbrances that would remain after a Deed in XXXX. I rejected the Deed in XXXX. After begging Rushmore to do an inspection to assess a more accurate value, they hired a real estate agent that is untrained and unlicensed to efficiently evaluate the property. In XXXX the agent stated the home was worth XXXX ( although much less than XXXX XXXX made up number ) but it still had serious errors. The agent reflected a renovation cost of about $ XXXX. A licensed HUD inspector report stated a complete construction cost for the renovation at $ XXXX, more than double the estimated cost from this broker opinion who was neither a construction professional nor experienced in renovation estimates. The as is value of $ XXXX didnt include accurate repair costs, which would have placed the property at a valuation of around $ XXXX. 

The application was resubmitted in XX/XX/XXXX and most recently in XXXX. All with the same outcome, Rushmores lack of proper evaluation and never using a trained expert to resolve our dispute. Rushmore believes this property value has increased over XXXX in less than 3 years. They are using drive-by inspections that are gross inflations of the value of the property that rely on market fluctuations. This does not represent the current condition and damage to my house. Even their own internal inspection done once in XXXX negated their initial arbitrary number by over $ XXXX. They have stated the property was worth $ XXXX in XXXX, $ XXXX in XXXX and $ XXXX in XXXX, none of which were licensed appraisal reports. 

I recently hired a certified licensed appraiser to conduct an accurate valuation and submitted it to Rushmore who said their investor will not consider any expert evaluation only the opinions of unlicensed untrained real estate agents. 

The costs on this property continue to rise and the condition continues to deteriorate. I am entitled to a fair resolution.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 reported in to be removed. 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 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! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$660.00} ; XXXX  XXXX Balance Owed : {$120.00} ; XXXX XXXX Balance Owed : {$820.00} ; XXXX XX/XX/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  ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Hello on XX/XX/year> I submitted a request to experian to provide information about some personal information listed on my account and until this day they have yet to respond to my request to fix this. To my understanding they have 30 days but have yet to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need a validation ( not verification ) and a copy of when I sent a written permissible purpose ( 15 USC 1681b ) to validate the inquiry and a audit trail.
Product: Credit card

I'm an XXXX member, they sent solicitation emails asking to open a credit card ( offer XXXX bonus points plus earn {$100.00} in statement credits ). I applied, I received a letter indicating they thought my application was fraudulent. I emailed and sent the information and was told the same thing. I then called and sent my identification again. Months later, I have not been approved. They took my personal information and have not held up to their terms of their offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX XXXX to remove my late payments since the loan was paid off XXXX XXXX2023 XXXXXXXX XXXX has 15 late fees I paid off when I paid the balance in full XX/XX/ 2023. XXXX XXXX said they can not remove the 15 lates fees which were not my fault. I asking for Experion, XXXX and XXXX to remove the late fess. I am trying to buy a house and the late fee changes are hurting me. Please help me.
Product: Vehicle loan or lease

I volunteered repossession, I was told that after 7 years it would be cleared from my credit. I brought the car in 2012 I believe. Paid the car off but was still paying interest. It's been 10 years and this car still shows up on my credit report even after I've had it disputed.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was contacted by a loan officer from XXXX XXXX who informed me that XXXX had recently bought out XXXX, the company I pay a subscription fee of XXXX XXXXXXXX  monthly for my vehicle. I was informed that I had the option now of buying out my car and to put my XXXX XXXXXXXX  monthly payments towards a loan through XXXX that would result in me owning my car at the end of the loan agreement. 
I asked the loan officer directly and clearly what was needed on my part. She said that I already prequalified and that she already started drawing up the loan terms. I expressed that I would only want to do this if the loan terms were less than what I was already paying for the subscription through XXXX. She told me that I needed to open up my credit file on XXXX because I had it locked so that she could do a soft pull on my credit which would not reflect on credit report. I agreed to a soft pull. A few days later I received a call where the same loan officer stated that although I have proven that I have been paying {$600.00} dollars a month without a single missed payment she was unable to get me a loan through XXXX. A day or two later I received a notification from XXXX saying that a new inquriy was listed on my report and it was from XXXX. When I called the representative back from XXXX she stated that it was a softpull initially but her supervisor had to do a hard pull after we got off the phone. When i expressed my anger with not only getting a loan but also now having a inquiry on my credit file which will prevent me from building my credit and in the future qualifying for a loan or credit card, she apologized but stated there was nothing she can do. 
After looking deeper into the inquires section on my report I noticed that when I was car shopping in XX/XX/XXXX I applied for a loan through Carmax, where I was able to see that during that time Carmax allowed several auto loan companies to run my credit. I was told that carmax was running my credit not the 15 other auto lenders. I felt completely bamboozled so reached out to XXXX to have these removed. They informed me that I had to go through CFPB to have them removed from my report by filing this report.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$6900.00} Date of Account : XX/XX/year>
Product: Credit card or prepaid card

To Whom It May Concern, My name is credit card account # end with On XXXX, XXXX I cash two checks from XXXX XXXX XXXX # XXXX {$6700.00} transaction date XX/XX/XXXX with 0.00 % interest Promotional rate end date XX/XX/XXXX and XX/XX/XXXX check # XXXX {$5500.00} with 1.99 % interest Promotional rate end date XX/XX/XXXX. 
I made the Minimum Payment on due date each month doing autopay. On XX/XX/XXXX I made the payment over the phone automated phone payment for {$5400.00} and the payment go thought successfully. Until after a week of so when I check online and see the payment didnt go thought, so I made another payment with the same amount of {$5400.00} on XXXX XXXX which is it is still paid on time with 0.00 % interest promotional rate end date XX/XX/XXXX. 
On XX/XX/XXXX when I call Bank of America regarding why there is twice auto payment withdrawal from my account for {$59.00}. The representative on the phone said there is a promotional offer with my account end with XXXX. So I took the offer and she help me transfer {$7000.00} to my XXXX Credit card on XX/XX/XXXX with the fee {$210.00} paid. Since I took the new offer so I also paid off the balance own from the promotion for 1.99 % interest promotional rate end date XX/XX/XXXX with amount of {$5100.00} the same date XX/XX/XXXX. After a coupon date pass by when the XXXX statement came out and there is an interest charge of interest of {$100.00} came out of no where. I be calling Bank of America to get this resolve and get no where.
Product: Credit reporting

On XXXX/XXXX/2013 XXXX accepted a settlement payment for a credit card acct. ending XXXX. The Bank sent me a letter showing payment and settlement in full, but they said my credit report will take 3 month to update this new info. except they miss reported the new info by showing that I sill have a balance of {$1100.00} instead of {$0.00} due to the settlement. there have been a dozen of phone calls made to their recovery department which is the department that made the settlement and issued and mailed the settlement letter dated in XX/XX/2013 in trying to resolve this discrepancy but the answer was always that it may take sometimes to update the credit report. It has been 2 years, and XXXX disputes with the credit bureau that always came back with the same results ( A balance of {$1100.00} ).
Product: Credit reporting or other personal consumer reports

I have been keeping a close watch on my credit due to looking to purchase a home soon. Credit Karma shows that my XXXX  score went down XXXX points due to my balance on a credit card lowering. The issue is, this only happened AFTER i was reviewing their offers for credit cards. I was surprised so i went and looked at my XXXX score directly with transunion, and it actually increased and is XXXX points above the credit karma score. I believe credit karma is displaying lower scores and notifying the consumers of their score lowering ; even if they actually have not, if they think they will be able to get you to sign up with one of their contracted credit card companies
Product: Debt collection

Jefferson Capital has repeatedly continued to call me at XXXX XXXX every day for the last 5 days including this morning XXXX I have told them to stop contacting me and that all communication should be through mail. They claim that its based off of my phone numbers area code yet Ive told them I dont live where the area code for my cellphone is registered. I asked them to send a letter to the address on file and stop phone communication. Yet Im woken up every day 26 minutes before I have to get up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX KY, XXXX XXXX XXXX, FL XXXX This account was removed from my credit reports and reinserted without proper notification. This is violation with the FCRA under 15 U.S. Code 1681i. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency ( C ) Procedures to prevent reappearance. A consumer reporting agency shall  maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ). 
XXXX/XXXX Reported : XX/XX/XXXX {$11000.00} Closed XXXX/XXXX Reported : XX/XX/XXXX {$910.00} Closed XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX KY, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 reported in 60 days to be removed. 


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. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 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! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX 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, credit repair services, or other personal consumer reports

I have recently checked my credit report and have realized that XXXX XXXX XXXX has put a collection account on my credit report and is reporting a past due balance and late payments onto my credit report. In the months of XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX has marked my this account as a late payment on each and every one of those months. This account can not report late payments on my credit report. Last time I checked I didn't have an established due date with this collection therefore how can there be multiple late payments. I have NEVER AGREED to pay this collection. We never signed a contract or a verbal agreement ever. If you dont have a contract or have received an application from me and have not approved me for credit you can not assign me a due date nor a late payment or a past due balance.

This is a violation of the FAIR DEBT COLLECTIONS PRACTICE ACT- section 807 violation misleading false reporting.
Product: Mortgage

Prior to the filing of foreclosure by Bank of America, we were told we had to be 60 days delinquent before they could talk with us. We filled out paperwork for loan modifications with Bank of America twice, and both times we were told that documents were lost and we 'd have to file again. We filed once with XXXX and the application was declined because I did not submit a driver 's license. I informed them that I do not have a driver 's license and was told there was nothing they could do. Bank of America filed for foreclosure in XXXX of XXXX. Towards the end of the proceedings, Bank of America 's attorneys managed to substitute XXXX as the servicer and created an assignment of mortgage to XXXX. Bank of America also convinced the judge to dismiss our counterclaims and grant Bank of America summary judgment. It has been our contention from the beginning that Bank of America 's assignment of mortgage from the originator, XXXX, was a fraudulent assignment and the facts of the case support this contention. We will attach the supporting documents. Our loan was securitized in XXXX of XXXX and therefore Bank of America 's purported assignment from XXXX could not be true. The note contains no endorsement to XXXX who purchased the note in XXXX, and then securitized it { by their own admission in answers to interrogatories ). Further, it can not be possible for XXXX to have assigned the note and mortgage to Bank of America on XX/XX/XXXX, if they had already sold the note to XXXX in XXXX of XXXX. The purported assignment from XXXX to Bank of America contains a notary signature that is illegible. This is an invalid signature under California notary rules. Also, the notary admits to having signed up to XXXX documents per day for Bank of America during this time period. This is commonly known as robo-signing -- something that Bank of America was sued for by all 50 States Attorneys General. Again, supporting documents are attached. A foreclosure judgment in favor of XXXX was rendered over our objections, due to fraud upon the court, on XX/XX/XXXX. We are appealing this order. A sale is scheduled for XX/XX/XXXX. We would appreciate any help from your agency, including possibly an Amicus Brief in Support of our Appeal. We do not believe there is time to stop the sale but your assistance in that regard would also be appreciated.