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

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

1

5 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXXXXXX XXXX XXXX XXXX XXXXXXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Debt collection

I refinanced my student loan debt through another company. That company sent a payoff for the loan amount on the statement that I received from Zuntafi. I had a balance due for a collection fee still on the account. What Zuntafi did was take my collection fees and transfer it to my principle amount to be paid and is charging interest on it. Since this is a collection fee charge, I was not financed or forwarded any money that they can charge interest on. All monies that were paid on my behalf when Zuntafi took over my loan was for the amount of my original debt. Then as part of their business, they added on collection fees. They had been charging interest on my loan debt and the collection fees remained constant for the duration of time that I had been paying on the loan. Now the loan is gone, and they have switched my collection fee to a financed principle balance and are still charging me for the collection fees.
Product: Credit reporting or other personal consumer reports

This is absolutely horrifying. These companies pulled up my credit report without my authorization and this has hurt my credit and XXXX XXXX. I have contacted TransUnion and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my XXXX XXXX.
Product: Debt collection

I keep getting calls from XXXX XXXX XXXX which I have reported. On XXXX, the ROBO call said that if I am this person, press XXXX and if not, press XXXX. I did press XXXX, but they keep calling me sometimes twice a day anyway.
Product: Credit reporting

I have disputed collection information reported by XXXX XXXX on behalf of XXXX. I have disputed the collection account XXXX with XXXX, Equifax, and XXXX. I do not believe the investigation is properly being executed. It seems like the credit bureaus are working for the collection agency and agree with the electronic response received from XXXX XXXX on behalf of XXXX. The account remained on my credit report, but I do not have a reason why the account remains when XXXX shows I do not owe them and the balance was resolved. XXXX die not report XXXX XXXX on my credit report in XX/XX/XXXX, but soon as I disputed the item it was added to my credit report in XX/XX/XXXX and the investigation with XXXX XXXX has not been resolved.
Product: Credit reporting or other personal consumer reports

I have been calling and making complaints to XXXX XXXX about the handling of my mortgage reporting to the three credit bureaus. They sent me a payment history saying that it is reported on my credit, which was not a credit report but a payment statement. Today the XXXX of XXXX I was told that XXXX XXXX is not responsible for reporting, I was told by a manager that it is the credit bureau not reporting. I have made complaints to the credit bureau about the false reporting and nothing has happened. This none reported information has hurt us financially as we dont qualify for loans because the reporting is wrong. This is not fair as an XXXX trying to survive in this economy.
Product: Mortgage

On XX/XX/XXXX, XXXX XXXX offered me a 12-month repayment plan through my servicer, Seterus, so that I could get current on my payments. 

I made the XX/XX/XXXX and XX/XX/XXXX payments as scheduled but then, at the end of XX/XX/XXXX, I learned that my mortgage was being transferred to a new servicer, Mr Cooper.

As early as XX/XX/XXXX, I had submitted inquiries to Seterus regarding what I saw as an inaccuracy in the calculated monthly payments which bundled XX/XX/XXXX as a 'delinquent ' amount into the repayment amount spread out of 12 months on top of the base mortgage. 
The problem, as I saw it, is that XX/XX/XXXX was not delinquent when this was calculated in XX/XX/XXXX. 

When Mr Cooper took over my mortgage servicing in XX/XX/XXXX, I reached out to them at the beginning of the month for instruction on how to keep paying my monthly repayment plan. They told me I would have to wait until early XX/XX/XXXX to receive instruction. So, for XX/XX/XXXX I was unable to make a payment.

Then, in XX/XX/XXXX, I was able to set up an online account and make the next payment. 

On XX/XX/XXXX, I sent an email to Mr Cooper 's research department stating that I wished to pursue the issue of the inaccuracy on my repayment amount. To date, they have not responded to this request. 

This week, I received a letter from them ( dated XX/XX/XXXX ) stating that I had not made any payments towards my repayment plan so they were replacing this offer with their own trial modification offer. This letter is completely inaccurate. Since XX/XX/XXXX, I have made 3 payments towards my plan. The only reason I didn't make a payment in XX/XX/XXXX is because Mr Cooper advised me to wait while they processed my files. 

When I attempted to make a payment this month, I found that they had replaced my 12 month repayment amount with their own trial modification amount. 

I do not wish to take their trial modification. I wish to continue with my 12 month repayment plan and have made best efforts to do so since my loan was transferred to Mr Cooper.

I have written them an extensive letter which I will upload, along with this complaint, that contains a detailed timeline of my communications both with Seterus and Mr Cooper.

The desired outcomes of this complaint are # 1 -to have Mr Cooper correct its information regarding how much I have already paid toward my repayment plan # 2 - to look into my concern that the monthly repayment amount, because of the way it was implemented by Seterus , is actually too high and # 3- to let me continue making payments on the 12 month repayment plan worked out with XXXX XXXX last XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX Bankruptcy Federal Reference # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, AND EXPERIAN ARE REPORTING FRAUDULENT INQUIRIES FTC AND OTHER DOCS ATTACHED SHOWING THE FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

GET THAT XXXX OFF MY REPORT NOW! STUDENT LOAN XXXX XXXX / XXXX XXXX ASAP!!! 


Thank you XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate costumer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called experian on Wednesday, XX/XX/2023, on or around XXXXXXXX XXXX XXXX. I got to a XXXX XXXX XXXX agent in the general dispute department. After the first minute of speaking with her, her phone made static noise and I was unable to hear the agent. It sounded like a technical issue on XXXX side. This has happened too many times in the past and has been an ongoing problem far too long. This never happens with XXXX or XXXX. Experian is the repeat offender. This is also a form of call-avoidance and is prohibiting consumers from filing a dispute regarding inaccurate credit reporting over the phone. I have the phone call recorded for proof.
Product: Debt collection

I was a victim of identity theft and noticed a collection from MIDLAND FUNDING I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. I WENT TO SEND THEM A LETTER BASED OFF THE INFORMATION THEY FURNISHED ON MY CREDI TREPORT AND THE LETTER WAS RETURNED. Police department told me to contact the federal trade commision which I wrote a formal complaint against MIDLAND FUNDING in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting

I HAVE PAID ALL MY BILLS ON TIME FOR 50 YEARS AND MAINTAINED A XXXX CREDIT SCORE, XX/XX/2015 I WAS HURT IN AN ACCIDENT AND DID NOT HAVE INSURANCE, ONE OF THE DOCTOR BILL WENT TO COLLECTIONS AND I DID SETTLE THE BILL, BUT NEVER RECEIVED SETTLEMENT LETTER, MY CREDIT REPORT IS AS FOLLOWS : DEROGATORY PUBLIC RECORD OR COLLECTION FILED LENGTH OF TIME SINCE DEROGATORY PUBLIC RECORD OR COLLECTION TO SHORT PROPORTION TO CREDIT LINITS TO HIGHON REVOLVING ACCOUNTS TO MANY INQUIRIES IN THE LAST 12 MONTHS THE NUMBER OF INQUIRES HAS ADVERSLY EFFECTED THE CREDIT SCORE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 Hard Credit pulls on my credit reports that I did NOT authorize or give them my SS to do so. 
XXXX XXXXXXXX XXXX XXXX  XX/XX/2023 and Flagship Credit Acceptan ( finance ) - XX/XX/2023 I called both and they cant remove or have no idea if or how they did it. 

I did NOT give out my SS online and I did not authorize ANY banking institution to pull my credit. 

Please remove these from my Credit bureau as it has affected my credit which I am trying to rebuild after a bad divorce.
Product: Mortgage

I lost my job on XX/XX/XXXX and was offered a forbearance agreement by PHH Mortgage that will allow me to skip 3 months payments but then have to pay all 3 months plus the current month in XX/XX/XXXX ( a total of 4 payments totaling {$9100.00} ) which will be impossible on my unemployment income which is 18 % of my regular income. This solution will put me in default on my mortgage and I then risk losing my home to foreclosure. This is a strategy that is very similar to the one banks and mortgage servicers offered during the financial crises where they advised homeowners to miss payments only to then aggressively foreclose on borrowers who could not pay the missed payments in one lump sum. I am alerting the CFPB that their solution is not viable and will result in massive foreclosures as we saw in XXXX, XXXX and XXXX when borrowers were unable to pay missed payments. 

PHH also used the following language in their forbearance letter to me : " Upon completion of this plan, the accountholder will be required to resume making regular monthly mortgage payments. However, other long-term mortgage assistance options may be available at that time. Before the end of the plan, we will contact the accountholder to discuss available mortgage assistance options for repayment of the deferred payments which may include a repayment plan, a payment deferral, or other loan modification options. '' This is exactly the kind of language that allows the servicer to control the foreclosure process in 3 months. By using non-committal language they are able to scam the borrower into a forbearance program without any specific solution in writing. And once the borrower is 4 months behind, technically in default on their loan the options they have are minimal. I know this as I fought in XXXX to keep my home and I am very aware of the mortgage servicer tactics they used and they are using the same ones in XXXX. 

Thus I have requested a 6 month mortgage deferment ( in writing via a certified return receipt letter ) from PHH so that I can have 6 months placed on the end of my loan. I only have 15 years left on my loan and if I have 15 years and 6 months left it will not make a big difference. However, falling 3-4 months behind while earning 18 % of my normal income during this pandemic will make a huge difference and I risk losing my home to foreclosure. 

Please help me work with my servicer PHH to get a workable 6 month mortgage deferment placed on the back end of my loan instead of a 3 month mortgage forbearance that would put me at risk of foreclosure. 

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

I am a victim of XXXX. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of XXXX. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I was alerted that a medical collection for {$150.00} from XXXX XXXX XXXX that I had no knowledge of was reported on all three credit bureaus. I immediately filed disputes with all bureaus requesting the removal as I had never received any documentation/statement/bill from creditor recently or in the past. On XXXX XXXX, after investigation by the bureaus, XXXX XXXX XXXX removed the collections from their reports as being unfounded. However on XX/XX/2022, Equifax reported that the collection will remain on their credit report for me. I find it very unlikely that two of the three bureaus deem the collections as invalid, but Equifax is unable to remove the collections. I have requested verification from the credit bureau and the creditor for validation of the collection, but I am unable to receive a response. 

How is this legal to disrupt someone's life because a creditor wants to extort money out of consumers for their deceptive practices without providing evidence? The burden of proof falls on the consumer although they have no knowledge or never utilized their services.
Product: Credit reporting or other personal consumer reports

Requested to have the late remarks stricken from my report so I can close on a house, but the lenders are refusing to remove said remarks due to their opinion that the information is accurate so they don't need to remove it. The problem with this is that the payments have been made, the delinquencies have been resolved, and a thorough explanation was given regarding what happened to cause the delinquency to begin with. They didn't care. They seem to think that just because it occurred to begin with, I should suffer from such and that they are under no obligation to help out at all. All communication was done over the phone with the lendersXXXX XXXX XXXX XXXX and XXXX. The lenderS said the information is accurate and to talk to the credit bureaus. Then the credit bureaus tell me that they only report what the lenders tell them and to go back and ask the lenders to remove it. I have been filing disputes and talking to them but they're dragging this out and I only have so much longer before the seller backs out and my loan possibly gets denied due to these late remarks. I don't know what else I can do because they won't work with me and they aren't doing their job of removing these remarks. I am working with XXXX XXXX  to do better and take the necessary steps to have a healthy credit. The date I'm referring to is XX/XX/XXXX  's payment for my {$2300.00} auto loan with XXXX XXXX XXXX XXXX and {$1400.00} loan with Fortiva. Yes I was late, but I've explained that it was due to medical issues with me and my XXXX  being sick and being worried and distracted by this that I ended up being late. I need a home for my family, so I won't let this happen again because I'm trying to do right by my child. I don't know what else I can say or do to get them to do their jobs, please help me.
Product: Debt collection

There is an unknown debt on my credit report and its effecting it poorly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$830.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance XXXX {$2200.00} ; XXXX XXXX Balance : {$990.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$25.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Received a promotional offer to deposit XXXX free miles into my Spirit Airlines account that never materialized despite my opening an account with Spirit Airlines and linking to my XXXX. Never received any additional miles for any purchases for the life of the card. Poor customer service and response time. When I requested to close my account, I was transferred by a rep named XXXX to a woman named XXXX and XXXX told me she could n't assist with that request. Poor customer service is an understatement for this particular credit card company. And false advertising on promotional sign-up benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Transunion..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Transunion failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this.. XXXX XXXX XXXX, XXXX XXXX XXXX,
Product: Credit card or prepaid card

I, XXXX XXXX visited XXXX XXXX XXXX  XXXX in XXXX Ohio for the purpose of getting a hair extension procedure. This procedure cost {$940.00}. The extensions I received were supposed to last 9 to 12 months. Within a week there were major issues with this procedure. The merchant refused to fix the problem without additional funds. I then had to go to another salon ( XXXX XXXX in XXXX, OH ) and pay an additional {$800.00} to repair the damage that the other salon had done. Please see attached complaint that I filed with US Bank Reliacard, Aka. Reliafraud. I called to file this complaint on XX/XX/20 with Reliacard after numerous fruitless attempts to resolve this matter with the merchant. They then sent me forms to sign and return so they could supposedly investigate. 
Their investigation has run well past the allotted time per Federal guidelines, and I still have no answer or resolution to this matter. Additionally, they failed to credit my account with the disputed amount of funds as their Terms and Conditions stipulates. I have called numerous times, only to be put on hold for hours. Three of those times when I finally did reach someone, I got hung up on while being transferred. No one will give me an answer to this complaint either way. 
Their inability to process this complaint has caused me extreme financial hardship as well as mental anguish and anxiety. Please investigate this dispute and provide me with a written statement of the outcome. I can be reached at XXXX or ( XXXX XXXX XXXX. Thank you for your time and attention to this matter.