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

I am writing to bring to your attention a matter that requires urgent resolution. My aim in reaching out is to ensure compliance with the Federal Credit Reporting Act, specifically 15 USC 1666b and 15 USC 1681 ( 2 ) ( A ) ( i ). 

I have initiated contact with U.S. Bank regarding the negative late payment that has been reported on my consumer credit report. This interaction is in line with the provisions set forth in 15 USC 1666b and 15 USC 1681 ( 2 ) ( A ) ( i ). I've engaged with U.S. Bank on two separate occasions, with tracking numbers XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, in an effort to address this discrepancy. 

Furthermore, I have diligently notified XXXX, XXXX, and XXXX about the inaccuracies in reporting. Multiple notices have been sent to each of these parties in an attempt to rectify the situation and ensure the integrity of my credit report. Subsequently, I had the opportunity to speak with a representative from XXXX 's fraud department, conveying the urgency and importance of this matter. During the course of our conversation, I spoke with a manager named XXXX and reiterated the issue at hand. However, this conversation took an unexpected turn when XXXX abruptly ended our call, causing unnecessary delays and inconveniences. 

I am submitting this report in good faith, with the primary intention of ensuring that all Creditors and Furnishers of Information adhere to the stipulations of the Federal Credit Reporting Act. Accuracy and compliance are essential to maintaining the credibility and reliability of consumer credit reports. 

I kindly request your assistance in expediting the resolution of this matter. I believe that by working collaboratively, we can ensure that accurate and lawful information is being reported. Should you require any additional information from my end, please do not hesitate to reach out to me. 

Thank you for your prompt attention to this issue. I look forward to a swift resolution that aligns with the provisions of the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some unauthorized inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XX/XX/XXXX to CFPB regarding unauthorized credit inquiries on my TransUnion credit file. TransUnion responded on XXXX stating they needed more time to investigate and would respond within 60 days. I got their response on XX/XX/XXXX that my complaint includes a dispute of information appearing on my credit file and that they would enter my dispute into the system. I have already disputed these items and never received any response from the company on the dispute which is why I filed a complaint. The items ( attached ) were disputed XX/XX/XXXX by certified mail to TransUnion. The reason that I filed a complaint was because they never deleted the disputed information nor gave an update on the disputed information which has been over 3 months ago now. There shouldn't have to open up another investigation to the same things Ive already disputed, as they shouldn't even still be on my credit file, and especially since it's been 3 months and I was never updated on the original dispute, and the information wasn't deleted after 30 days. I have also attached a copy of my original dispute with the companies ridiculous response to this complaint so they can make this make sense.
Product: Debt collection

I received a call from Sunrise requesting me to verify my personal information over the phone. I refused because it sounded like a scam and I know I have never applied for XXXX XXXX XXXX XXXX. I have excellent credit and payment history and have been a XXXX XXXX customer for over 17 years. 

The rep was rude and kept trying to get me to give my personal information. I informed her that if she had the right personal then send all information to the address they have in file. 

I never received any information. I disputed the debt with all collection agencies XXXX deleted the collection, XXXX did not, and I have not heard back from XXXX. 

Someone has clearly used my information somewhere to obtain this account however I do not know how to get proof of this. I am sure they can pull the phone records on the initial account or compare addresses or signature on the original documentation. 

I have never seen or been sent any information about this account. I want this information removed from my credit profile.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  opened this account during a purchase I made with XXXX for a phone near XX/XX/year>. 
I received no notice that the account was opened, I was given no account number, no due date no remit address not email, regular mail text or call about the account when it was due or how to pay it or where to send it. They made NO ATTEMPT to call me untill XXXX of 2024 when they already sent account to collections. 

How am I suppose to pay the account when I don't have anything that resembles a statement. XXXX phones has since dropped XXXX XXXX as a credit vendor because of their issues. I tried to go through the internal dispute process with XXXXXXXX XXXX and they stated they would let me know of their decision within 30 days which they NEVER contacted me 30 days after my dispute by any means, just like they did when the account was opened. 

I have opened disputes also with XXXX, XXXX and Trans Union.
Product: Credit reporting or other personal consumer reports

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX XXXX XXXX  Delete this account. 

3. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX XXXX XXXX  Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit bureaus regarding the duplicate XXXX XXXX XXXX accounts on my credit report. The all have the same status updated date of XX/XX/XXXX. ( The accounts showing are listed below ) Have three XXXX student loan accounts with the same open days but different amounts owed. 

1. XXXX Loan 1- {$8500.00}, status : transferred, closed/Never late. 
2. XXXX  Loan 2- {$10000.00}, status : transferred, closed/Never late. 
3. XXXX  Loan 3- {$19000.00} closed XX/XX/XXXX was included in my bankruptcy and is labeled as Chapter XXXX. 

The response from the credit bureau states the account was updated, but they are still on my report.
Product: Debt collection

XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$300.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

I used to have a bank account with Simple, a XXXX  company that combined banking with extremely useful budgeting tools. 
Year over year, Simple ran a deficit of $ XXXX and were unable to keep their doors open. As a result, BBVA ended up buying them out, and several months later PNC bought BBVA out. 

PNC is claiming that I had a balance owed of {$100.00}. Not only was it impossible to carry a negative balance on Simple, once BBVA bought them out **I did not touch the resulting account/s, assuming that it would close on its own. ** PNC has willingly engaged in submitting fraudulent collections claims on my person, presumably because they realize they made a terrible financial decision by buying BBVA. 
They need to be held responsible to the fullest extent of the law. You do not pass off your poor financial decisions on the customers you acquired in bad faith.
Product: Mortgage

Good Afternoon, I am reaching out to you today hoping for some assistance with my current mortgage lender Ameris Bank. Unfortunately, due to Ameris Banks negligence I am now being impacted in a very negative way and may miss the opportunity to refinance my 6.5 % interest rate with Ameris Bank into a 3.75 % mortgage through a new lender. I am currently in the process of that application and my interest rate of 3.75 % is locked in. My fear is that this issue may cause me to miss this opportunity and now rates are soaring higher and higher. I have been very frustrated with Ameris and in my search for help it was recommended that I reach to the CFPB to find resolution. 

The current loan I have with Ameris Bank is a construction to permanent loan. When we settled on this property everything was fine. I was all set up using their online portal to make my regular monthly payments. The trouble began during the covid pandemic, Ameris Banks servicing department actually closed and then went thru drastic changes without notice. I found that I could no longer make my payments via the online portal and tried to contact them repeatedly with very little success. When I did get in touch I struggled to work through things with them. No one seemed to be the right person to help me with this and I grew very concerned about who I could actually rely on regarding my mortgage account. It took quite a while and made me extremely uncomfortable. I ended up sending checks through the mail which added to my angst because of all the questionable things from Ameris and a recent experience I had with check theft. I lost thousands of dollars and spent 8 months getting that resolved. I didnt realize how prevalent that is and during the construction of my home I learned the hard way. The checks Ive sent were via XXXX next day mail once Ameris paid for the shipping and sent me the label with a guarantee against any loss. The mortgage is up to date, had no late fees and all the interest only payments have been paid. 

There seemed to be no issues with the current mortgage other than the difficulties Ive experienced with the servicing of my loan. This loan does not report to the credit bureaus and I was never made aware that my pay history would be impacted because of these issues caused by Ameris. As a matter of fact Ameris offered to refinance my loan and made no mention of any pay history issue. It wasnt until I started this refinance process with my new lender that this came to light. They requested a payment history for my refinance application and for the first time I learned that Ameris is inaccurately disclosing my payment history. I have always prided myself in being very mindful of my credit and responsibilities. I have strong credit scores and do not carry any debts beyond my mortgage. Ive tried to discuss this with Ameris Bank but I have been having extreme difficulty getting any response out of Ameris thus far. Im grateful to have an avenue like the CFPB to seek help. As a consumer I feel taken advantage of and at a loss because of the undue hardship Ameris has created. I look forward to your guidance. Thank you for your time and consideration.
Product: Mortgage

My mother XXXX suddenly on XX/XX/XXXX so we ended up having to dispose of her assets. ( There wasnt much my step fathers XXXX pretty much eliminated most of it. ) To make a long story short advance to XX/XX/XXXX after probate, XXXX XXXX requested that I request a payoff from Citimortgage. I did however they needed one valid through XX/XX/XXXX. On XX/XX/XXXX I contacted Citimortgage and requested a new payoff that was faxed to XXXX XXXX. On XX/XX/XXXX they wired the payoff amount to Citimortgage. Shortly after Citimortgage returned the payoff amount and claimed that on the XX/XX/XXXX they received a bill for {$600.00} from a company in XXXX XXXX which they contracted in XX/XX/XXXX?, to check on the property and do any maintenance. They say this is standard procedure when a property goes in arrears. They claim to have made 3 visits to change locks and landscaping and cleaning. First of all my mother passed in XX/XX/XXXX and was up to date so didnt become past due until middle of XX/XX/XXXX. Please note letter from the bank verifying when the when the delinquency began. Next there is a H.O.A. who does all the maintenance and there is no back yard just a 6ft by 20ft concrete slab. As far as the locks, the current tenant is using the original keys. There was nothing ever done. I have attempted to discuss this with Citimortgage but they cut me off because they do not have any paperwork showing me as the executor or the death certificate. These have been faxed to them and XXXX has copies of the verification they received it. They are saying that it takes 7 to 10 days before it is input to the system, and yet they supposedly received a bill and was immediately placed in the system. They will not discuss anything with the title company or myself letting the interest and fees add on and soon another payment to be included. They also can not produce anything verifying services were done either. They made a mistake and want someone to pay for it. All we are looking for is to drop any additional charges, fees and interest and accept the payoff as is written by them and issue the deed. This is also what Nevada requires them to do.
Product: Credit card or prepaid card

I use a visa credit card I signed up with through XXXX XXXX Rewards and Im only allowed to make payments online through then with Comenity Bank/Bread XXXX XXXX Their website has been down since I wanted to make a payment on Friday XX/XX/22 and theres a notice about a system wide update and was told by them that theyd have things up and running on Monday XX/XX/22 but it just says the maintenance is taking longer. I tried calling their customer service number multiple times to try and make a payment and was told due to unforeseen circumstances, our offices are closed. I cant even get a hold of a representative. Ive gone to their official XXXX page and all they keep saying is that maintenance is taking longer and so many customers have said its been down for longer and that no one is able to make payments, not even pre-scheduled payments. Ive kept trying and havent had any luck to be able to just pay my balance. This is getting ridiculous and I dont want to be charged for late fees! They havent even been telling anyone what will happen since they havent been able to make a payment. This is ridiculous and making me and many customers anxious!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to block fraudulent information from my credit report on XX/XX/2022 along with a FTC report advising my identity was stolen and used to open accounts that I did not authorized. This company failed to block this information even though the proper documentation was provided. I am being told this information has been verified without a proper investigation being completed. These companies that they say I owe does not have my signature on any documentation, and I have not been provided with any any proof of such. My consumer rights have been violated and I am unable to apply for certain credit accounts for myself due to this issue.
Product: Mortgage

I received a pre qualified offer streamline refi offer from chase bank ... I called, applied. They said my application was good. The next day I received overnighted docs.. I signed them, returned them in a prepaid XXXX. A week later my XXXX called said that method of sending docs ( does n't work ) and that I had to fax them directly. I was out of town, so I faxed the docs when I returned on XXXX XXXX. ( App was taken on XXXX XXXX ). I heard nothing. Then on the XXXX of XXXX I emailed to get status. On XXXX I got a reply stating application was withdrawn due to the lack of submitting documents, even though I submitted twice!!!!! XXXX refuses to help me any further, and said I needed to wait for the next offer and reapply again.
Product: Credit reporting or other personal consumer reports

My account with XX/XX/XXXX XXXX was never late! I have had exceptional payment history witH XX/XX/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 in XX/XX/2023, XXXX 2023 AND XX/XX/2023 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 XX/XX/XXXXdays before the payment due date. 


XX/XX/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 XX/XX/XXXXdays 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: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE NOR HAVE ANY KNOWLEDGE OF ALLEGED DEBT BEING REPORT TO OR FURNISHED TO ANY CRA 'S LISTED BELOW. I HAVE REQUESTED SEVERAL TIMES TO BE FURNISHED WITH ORIGINAL DOCUMENTS TO SUPPORT THE INFORMATION THAT IS BEING REPORTED ON MY CREDIT PROFILE AND AS OF TODAY, THEY HAVE NOT. BOTH CRA 'S AND CREDITORS. 

XXXX  XXXX # XXXX ..... 
XXXX XXXXXXXX # XXXX .... 
XXXXI # XXXX .... 
XXXX XXXX # XXXX ..... 
US DEPT OF ED # XXXX ..... 
US DEPT OF ED # XXXX ..... 
UD DEPT OF ED # XXXX ...... 
XXXX XXXX XXXX # XXXX ....
Product: Credit reporting

CREDIT REPORTING AGENCY SAYS THEY VERIFIED A BANKRUPTCY ON MY CREDIT FILE. THEY REFUSED TO IDENTIFY THE SOURCE OF THE VALIDATION. I CONTACTED MY LOCAL FEDERAL COURT HOUSE AND WAS INFORMED THAT THEY DO NOT VERIFY BANKRUPTCY INFORMATION. SO IF THE CREDIT REPORTING AGENCY CAN NOT PROPERLY VERIFY ANY PUBLIC RECORDS ON MY PERSONAL CREDIT REPORT THEY NEED TO REMOVE THIS PUBLIC RECORD AND SEND ME AN UPDATED COPY OF MY CREDIT REPORT.
Product: Credit card or prepaid card

I found out about a business credit card from Bank oF america was issued after i started getting emails about my payments being past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex-husbands past due amount was reported with my name and I would like to have it completely removed from my report. The collection amount was for electricity for our marital house where I left in XXXX, 2014. Unfortunately, my name was still listed on the account. 

I informed the collection company, Contract Callers, of the fact that the debt was owed by him and provided his address. The company sent him a bill and he was the one who paid the debt. I have called Contract Callers numerous times but they refused to delete it from my report. I have mailed a dispute letter to XXXX and XXXX but XXXX did not provide deletion and XXXX is still investigating. I'm in process of home purchasing and this is negatively affecting my credit score which I'm not able to obtain the best available rate.
Product: Credit reporting or other personal consumer reports

I have an long term on going issue. I have sent out my documents on numerous times and I have done everything asked of me from Equifax, XXXX and XXXX yet and still I am unable to pull my reports. There is something going on my reports and I am unable to participate in credit but can't figure out the issue because I can't get the reports. I have verified that there are no alerts yet I can't pull anything. Equifax in particular I can't even pull with my credit monitoring. I'm loosing money and this is really having an effect negatively on my life.
Product: Debt collection

I 'm a victim of identity fraud and made countless attempts to let this company know it is n't me. They sent me over a lease with a signature but I never signed a contract with them. I also sent them letters to get this removed with my FTC report and police Report with no solution. My signature has been fraudulently signed on a contract that I did not sign and this company continues to report it after all documents necessary documents were submitted to them.