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

I reached out to the credit bearus on XX/XX/2023 with a letter that i reviewed my report and there was incorrect information and items on my report. I am trying to purchase a home and these items are causing me alot of stress because it is stopping my family from purchasing a new home. 
I started looking into the consumer laws and i found that there is alot of laws the credit bureaus are breaking but at this time the biggest one the consumer law that states the credit bureaus have 30 days to investigate and respond to me as we provide a updated credit report with the results. I have not heard anything back and this is very frustrating and concerning to me. I have attatched the first letter i sent out as well as the second letter i sent out with this concern with this matter. Please make sure this matter is resolved ASAP it has already been 49 days since my letter was sent out. I do not want to and by law do not have to wait any longer. .Under the Fair Credit Reporting Act 15 USC 1681i ( 5 ) ( A ), you had 30 days from receipt of my letter to respond to my request for re-verification of the erroneous items. I have not received a reply from you within these 30 days. Therefore, it must be that the information on my report was either inaccurate or could not be re-verified. In either case, according to the provisions of 15 USC section 1681i ( a ), the item ( s ) must be DELETED IMMEDIATELY attatched is also my proof of id and proof of address so you are aware and able to verify who i am. Please resolve this matter asap or i will be taking this matter further. Thank you for your time
Product: Credit reporting or other personal consumer reports

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  RE : Correction to my personal information Dear Equifax , I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. Please remove the following incorrect address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate.I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. This item is currently showing inaccurately on my credit report filed with your credit bureau. Account : XXXX XXXX XXXX, and XXXX XXXX is removed from my XXXX and XXXX credit report but still reporting to Equifax. According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681s-2 That is a violation of my credit rights. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record.
Product: Credit reporting

Experian reporting agency had failed ( numerous times ) to correct information on my credit report despite the fact that I had submitted supporting documents substantiating my claim recently and in the past FOUR years. Upon my requests to provide me with details of their investigation, source of their investigation and/or any documents pertaining to their decision not to change incorrect information containing therein or to adjust my credit score ... I get negative response and refusal to do so. 
Having incorrect information on my file affects my credit score, causing denial of credit and employment ... thus negatively impacting my life. 
I respectfully request your assistance in resolving said issue. 
Sincerely, XXXX
Product: Mortgage

Hello, I currently have a mortgage with Keybank after purchasing a home in XX/XX/XXXX. I went into forbearance for 6 months due to COVID. The forbearance period started in XX/XX/XXXX and finished in XX/XX/XXXX. During that time, I missed a total of 6 mortgage payments, in total about XXXX. 

However, all 6 of those payments WERE ADDED AS PRINCIPAL balance to my loan! In essence, after the forbearance period was over, I owe more on my house than the original purchase price, which is a gross miscalculation of the missed payments. My original loan amount was XXXX. I've been paying it down from XX/XX/XXXX through XX/XX/XXXX. Does it make sense that, after 6 months of forbearance, I now owe more on my loan ( XXXX ) than when the loan was first issued?! 

To provide context, I also went into forbearance 2 other mortgages for a few rental properties at both XXXX XXXX XXXX and XXXX XXXX XXXX. In each case, all of 6 of the missed payments went to the back of their respective loans as a balloon payment, similar to how KeyBank is treating forbearance. However, the principal balance on those mortgages did not change, which is exactly what I was expecting. Instead, payments that I missed simply increased the amount of the last payment, but did not increase my loan size. 

After calling the KeyBank loss mitigation team several times, they have insisted that their treatment of the loan is correct, and that the principal balance does increase during forbearance. In other words, I owe an EXTRA XXXX as a result of forbearance!!! This goes against my understanding and the understanding of other mortgage specialists that I've spoken to on this matter. 

Please contact them on my behalf as they are refusing to do anything further to adjust the loan. They have also reported this larger loan balance on my credit report, and is now hurting my chances at a refinance. 

My concern also lies with their other customers. If they have this treatment across the board, it is an egregious miscalculation across many of their clients, some of whom are not aware that this is going on.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX 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 to be removed/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.

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!
Product: Credit reporting or other personal consumer reports

I'm requesting an update to my credit report to reflect only my current employer as " Child Smile, '' where I am presently employed. This inaccuracy violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates the reporting of accurate information. The incorrect employer information not only misrepresents my professional profile but may also impact my financial credibility and future opportunities. I respectfully request the immediate correction of this error to accurately reflect my employment information and ensure compliance with federal laws. Please confirm the resolution of this matter immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3rd time I have had to file a complaint with the CFPB on Exeter Finance to get this corrected. I really dont understand. I file a complaint. Exeter Finance removes the incorrect information then a month later it reappears. My credit report at all three credit bureaus once again show me having late pays XX/XX/XXXX and XX/XX/XXXX with Exeter Finance. In XX/XX/XXXX, I was a victim of Hurricane Irma. I do realize Exeter Finance has no legal obligation to work hurricane victims so all I can do is accept this late pay BUT XX/XX/XXXX I will not accept. Exeter Finance misapplied a payment I made to someone elses account. They are fully aware of this. There are notes all in my account with them along with a copy of the canceled check. The correction to my account was made back in XX/XX/XXXX. They just keep adding this 30 day late pay reporting to my credit report which is unfair and against credit reporting regulations. They can not hold their mistake against me. I should not have to keep disputing this.
Product: Debt collection

XX/XX/XXXX Resurgent Capital Services XXXX : VALIDATION OF ACCOUNT Reference Account # : XXXX To Whom It May Concern, This letter is being sent to you in regards to the letter I received dated XX/XX/XXXX ( attached ) which is advising me to make payment of a debt I do not owe .What was provided was not any validation that this debt is mine. Please be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation was requested. 

Additionally, I am a victim of identity theft and have attached the documents along with this complaint. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via XXXX   or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed? 

I require compliance with the terms and conditions of this letter within 30 days of your receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. 

In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will not report this information to the Credit Reporting Agency until full validation has been completed.

I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigatory process concurrent with your investigation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to XXXX, XXXX  and Equifax regarding several errors that I found while looking over my credit report. Under the FTC I can dispute all inaccurate information on my credit reports. Please remove XXXX # XXXX and XXXX XXXX # XXXX from my credit reports as the information provided by the creditors is inaccurate and misleading. After completing a prior investigation, Equifax agreed to remove XXXX # XXXX and XXXX XXXX # XXXX from my credit report. However, Equifax has failed to follow through on its promise as the accounts still remain. XXXX failed to adequately investigate my dispute after verifying these accounts which I know are inaccurate. Please remove XXXX # XXXX from my credit reports as the date of delinquent is misleading and incorrect. Additionally, this account should not have a reported balance. Please remove XXXX XXXX # XXXX from my credit reports. I have reached out to this company repeatedly and have received no response. The balance, date opened and the payment history is incorrect. The company is reporting payment history in XX/XX/2018 but this account should not have a balance. Please remove as soon as possible to avoid further damage to my credit and my reputation with creditors. I know that mistakes happen but it should not happen at my credits expense. Thanks for your time. XXXX XXXX
Product: Mortgage

I have a loan with rocket mortgage for two years. I lost many contracts during the pandemic and I was able to save to buy the house. First I want to talk about the process. How I end up paying XXXX out of my pocket just to get in that house. I was dealing with this realtor name XXXX who was working for this company. This was my first house. I didnt know I could of save money for first time buyer but instead they made me pay a total of XXXX to close and the whole process. 

Now two year later lost contracts and now I cant pay my mortgage and I been waiting for mortgage assistance from XXXX or Georgia mortgage assistance and its been 8 months and nothing yet and Im still in the verge to lose my house. 

XXXX XXXX XXXX XXXX XXXX Is the people who sold me the house.
Product: Money transfer, virtual currency, or money service

I have been doing business with Coinbase for almost a year, and although I have heard tons of Nightmare stories I never had an issue. That is until now. I requested a bank wire from them to my bank account in the amount of XXXX XXXX/XXXX/XXXX, and this should 've been done the same day, but it did say it could be completed on the XXXX. It is now the XXXX, and I cant get one answer from them. I have called, and after waiting for XXXX XXXX hours for somebody to pick up I was told to ju1st wait, and to stop complaining before she then hung up on me. I have written them on XXXX, XXXX, XXXX, and their site and I have gotten no response. There are hundreds, maybe thousands, of people on XXXX who are posting similar stories. Nobody can even get one response. This is absurd. Not to mention they did a surprise listing by of a new asset called bitcoin cash, and there was massive volume increase for bitcoin cash on all the other exchanges before the surprise listing. Blatent insider trading. They said they are investigating their employees for insider trading, but that 's does n't help us. For a company making as much money as they are, and with as many customers as they have to not have a customer support system is ridiculous. I am hoping this company is n't a large ponzi scheme, but that is how they are acting. Please help us! There are thousands of ppl waiting for bank wires, and thousands in XXXX waiting for XXXX transfers. There were no warnings on their site until days after I requested the money. The first warning said XXXX business day delay, and now it says XXXX business days delay. It is XXXX days later. I will never use this company again, and i strongly recommend others avoid them too. I am begging you for your help. Many ppl have said they have frozen their crypto transfers as well. Something very fishy is going on. Thank you for your time.
Product: Credit reporting or other personal consumer reports

This is regarding the XXXX XXXX XXXX account. On XX/XX/2022 I contacted an alleged creditor. I will say alleged because I never received a debt validation letter and was never contacted regarding this debt. When I contacted the creditor I had been informed by the original debtor that my balance was {$1900.00}. I attempted to pay the balance to original debtor, they accepted the payment and then the debt collection agency said that the amount was incorrect. Every credit agency is reporting the original and current balance of the debt being {$2000.00}. The orginal amount of the debt was {$1900.00}. The company that I paid for the debt was not the creditor listed but a company called XXXX XXXX XXXX XXXX  To this company I paid {$2400.00}. And yet the balance verified by the credit agencies is still {$2000.00} or {$2000.00} depending on which credit report you look at. Every site has a different and inaccurate amount that continues to be verified as accurate Not only are there inaccuracies with balance, but I was never notified by the company about the debt in the first. They never gave me an opportunity to verify it or pay it ahead of time. Also, the dates listed of payment are inaccurate. I paid the alleged balance in full on XX/XX/2022 but it's listed as paid in full in XXXXXXXX XXXX XXXX 

Please refer to 15 USC 1681 : where it states that consumer reports must be accurate. I am reporting to you an instance of inaccuracy and it is not being removed. This information is not correct and thus be removed Furthermore, a 1099c has been filed on this account which makes it income for me and income can not be reported as a collection account. 

My account with this company was never authorized with my express written or verbal consent to report any adverse information in relation to credit card with them. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given you written, unwritten, verbal and non-verbal per 15 USC 6802 to report any adverse information in relation to my account. That includes balance information and missed payments. Please also see this code for the penalties associated with not respecting my request to opt out of the reporting of adverse information.
Product: Credit card or prepaid card

XXXX  has been non-compliant with removing the unverified account STATE FARM BANK which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that STATE FARM BANK was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America has been reporting my mortgage late, even though they are still taking money out of my account bi weekly. I had a forbearance ( aprox 1 year ) {$12000.00} aprox pushed to the end of my loan ( for covid ) when the principal was paid off i still owed the balance of the forbearance. At that time they informed me, i could keep making payments like normal ( at no interest ) or pay it off or refinance it. So i said if its XXXX percent, just keep it the way it is. I applied for a small loan last week and was declined because they said my mortgage was approaching 90 days past due... .Bank of America has recorded phone calls of me and their support agents verifying that my loan was being paid as agreed. I spoke w several Supervisors at Bank of America, 2 of them said they will fix the issue and the 3rd said I am out of luck...
Product: Checking or savings account

Capital One will not release pending direct deposit from employer after 48 hours. They did not provide any notice of issues until today. Bill payments are still being taken which puts myself and others at risk of overdraft while our deposits are being withheld.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported 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  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 XXXX 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: Checking or savings account

My direct deposit has still not gone through. I was supposed to be paid XX/XX/year>. Capital One refused to temporarily increase my line of credit or provide any ETA on when I can expect my money.