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

In XX/XX/XXXX, I successfully refinanced my property with XXXX and paid off the outstanding debt owed to XXXX Mortgage. My first payment on the new term commenced on XX/XX/XXXX. I made two payments in XXXX towards my mortgage payment of {$1400.00} before the end of the month. Then in XX/XX/XXXX, I paid the full amount owed on the XXXX of XX/XX/XXXX to avoid a late payment. Since making my first full payment for XXXX and also XXXX I have not seen my mortgage payments reflect on my XXXX credit report nor other credit reports. My DTI ( debt to income ) ratio has taken a big hit. In XX/XX/XXXX, I asked XXXX to place my account in forbearance due to COVID-19 XXXX XXXX which they verbally agreed over the phone on XX/XX/XXXX when I spoke with an agent named XXXX XXXX. XXXX has been looking for a way to repossess my property by negatively reporting or labeling the account as delinquent inspite of the fact that two additional payments were made towards covering my principal and interest in the amount of {$950.00} on XX/XX/XXXX and XX/XX/XXXX. These payments were made on my behalf by a XXXX program sponsored by my county for people affected by the pandemic. Furthermore, my account has a surplus payment as XXXX never refunded the difference of the amount it withheld for my 2021 property taxes. They erroneously overcharged my account twice for the same XXXX  XXXX tax. I have made multiple inquiries with them and they keep saying that it is under review. They sent me the wrong forms for mortgage assistance which I understand ought to be completed only after a covid-19 forbearance elapses. By XX/XX/XXXX if they do not roll over the excess payments in my account to cover XXXX 's mortgage and/ or place my account in the COVID forbearance, it would negatively report as a delinquent account and this will harm my credit worthiness. XXXX is purposely doing to damage my credit and to find a devious way to possess my property if not stopped. I have never failed to make payments on my mortgage or been in this precarious situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I'm not sure what's going on but I was told that this charge off account from XXXX XXXX Visa Card through XXXX ending XXXX would be removed from my credit. I'm not sure why you keep saying that you already investigated this account as accurate and remains, because it continues to report incomplete, inconsistent, wrong balance, and it's completely unverifiable. I paid off this account almost 30-45 days ago and my credit report shows 3 different balances, inconsistent payment, etc. This is not correct and I want this account DELETED from my credit as promised and due to violations of reporting. Again, as shown in the attachments, the account has been paid 60 days ago. What's the hold-up? I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation. I appreciate your help regarding this and look forward to immediate deletions.
Product: Credit reporting

I have sent Experian XXXX dispute letters. XXXX dated XXXX/XXXX/15, XXXX dated XXXX/XXXX/15, and XXXX dated XXXX/XXXX/15 and all I have received back was a letter from them stating that my request was " suspicious '' and them thinking that my letters are coming from a third party. My XXXX letter I sent I even attached my driver 's license and a current utility bill verifying my identity and to show that these letters are coming from me and I am disputing this on my own.
Product: Debt collection

I had an account with Capital One, a Capital One Platinum Card. Debt was sold to XXXX XXXX XXXX. I paid the debt off to XXXX XXXX, but it was not reported into credit. When I try to get a New Capital One Credit Card is still deny the application due to default debt with Capital one.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Transunion credit bureau. Back in XX/XX/XXXX I sent them a letter regarding the following account : XXXX XXXX Bank Account # XXXX, open : XX/XX/2012, status closed with {$0.00} balance. The letter was to indicate the credit bureau that the mentioned account was fraud related. I also sent them a Federal Trade Commission Report indicating what had happened. So the removed the mentioned account and suddenly when I checked my reports I saw that they re-inserted the fraudulent account. I want Transunion Credit Bureau to remove the mentioned account as soon as possible like they had done, due to fraudulent activity. Im attaching the 2 reports, one without account and the other with the account back. Im also attaching letter I sent them back on XXXX with FTC report. PLEASE REMOVE ACCOUNT, IM A VICTIM OF FRAUD.
Product: Debt collection

XXXX XXXX XXXX keeps trying to put this debt which is oldr than 10 years on my credit bureau report to ruin my credit. XXXX XXXX XXXX is sabatoging my credit and trying to reduce my XXXX  score and credit history. They should be put out of business for these tactics.
Product: Mortgage

We offered a property, and the offer was accepted on XX/XX/year>. So we applied the mortgage for the purchase. We contacted our mortgage broker XXXX XXXXXXXX XXXX, XXXX XXXX. He has all our files from last transactions, and he gave us the list of documents needed. 
We filled out Loan Application ( Form XXXX ). The information including name, address, SSN, current employment, bank account, credit cards information, etc for both me and my wife. We signed and sent the application to XXXX XXXX XXXX on XX/XX/year>. 

We have provided them paystub XXXX  months, bank statement XXXX months, insurances, property tax statements, etc. XXXX weeks ago. 

Today XX/XX/year>, which is XXXX days before closing day ( XX/XX/XXXX ), all the sudden, they requested written verification from my employer, as well as written verification from banks where I have accounts. 

I asked my mortgage broker about why all the sudden of the verification requests. He told me they selected my file for XXXX XXXX. 

The answer for me is not making sense. If they want to " randomly '' select my file for XXXX XXXX, they should notify at the beginning of the process. 

To me they have intention to delay the process and postpone the closing. From the time I submitted my application where I have listed who is my employer and my spouse employer. I also listed the bank accounts on the application. The lender has XXXX weeks to get written verification on Employment or Banks. They chose to wait until XXXX days before closing to request those verifications where sometime it will take time for Employer to response. 

We went through several mortgage for purchase or refinance transactions, we never experience such a unnecessary delay.
Product: Credit reporting or other personal consumer reports

For the past 10 years my only 2 phone numbers have been XXXX which I haven't had for over 2 years. Now it's XXXX. Also, some addresses have never been mine like country club. And employers. I never worked at XXXXXX/XX/XXXX XXXX. I don't even go to church. I've only had 2 jobs, XXXX XXXX and the XXXX. Trans union does not even allow me to dispute that. So, it gets corrected. Since last year every dispute attempt to fix that and many other erroneous information. They just message back it has been verified. And nothing happens at all. They just give a bogus answer. Like if I had no right to receive proof of many things. I need to get many things fixed properly and promptly before I can purchase a home.
Product: Mortgage

On XX/XX/XXXX I made a manual payment for XX/XX/XXXX monthly payment for the amount of my regular monthly payment of {$1900.00} ( I wasn't sure if I was on the automatic payment setting ) Then on XX/XX/XXXX an auto draft was done by the amount of {$1900.00}. When I realized Specialized Loan Servicing Mortgage company had done this I called to ask for a reimbursement of the extra payment or to apply it for the following month the agent said she could request it only ( didn't specified ) On XX/XX/XXXX again the auto draft was done for the monthly payment of {$1900.00} So I called SLS to ask about the requested on the extra payment and they said they already reimbursed it on XX/XX/XXXX. However I have no activity on that date in my bank statement. So I called my bank and on XX/XX/XXXX that reimbursement was made. 
Sat XXXX I start receiving calls everyday until today to pay for XXXX. That doesn't make sense so I called and an agent told me to send my unedited XXXX bank statement to show the auto draft SLS did on the XXXX. So I emailed it XX/XX/22 to XXXX and waited. 
No replies. 
XX/XX/XXXX I called SLS to make sure I pay for XXXX and spoke with XXXX and she found out that the XXXX payment was on the limbo and I still owe for XXXX and XXXX. I asked if I can pay XXXX while the issue is under review and she said NO wait until I call you next Friday. Friday XXXX no call from her so I call back and ask to speak with her since no agent has a direct call I have to give whoever I talk to her caller ID. I finally spoke with her and she reviewed my bank statement and agree that XXXX payment was not applied to that month. Then she said I had to send a qualified written request with bank statements to their Colorado office since they don't have a phone number to call and there is no further action for her to proceed. 
Monday XX/XX/XXXX I received another call from agent XXXX caller ID XXXX He called to collect XXXX payment. I spent XXXX hour explaining again the whole ordeal. He found out that {$1100.00} was applied to the escrow ( without my authorization ) I asked what do mean escrow what happened with the rest of the money? He said he would request to transfer {$1100.00} to my XXXX payment and after that he will figure out where the rest of the money is. He told me not to pay for XXXX because it will be apply to XXXX. He said he will call back. Monday XXXX he didn't call. So I call back and spoke with another agent and he couldn't get a hold of XXXX after sending him an email, notes. Right after I hung up the call, another agent called me ( I believe his name is XXXX XXXX he ask to collect over {$4000.00} that I owe. So I told him that XXXX was already figuring out what happened and he didn't even care what I said he kept cutting me off and yelling that I had to pay. Still no resolution
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX, NY XXXX
Product: Debt collection

A collection account was opened unknown to me. 
Afni Opened XX/XX/XXXX for the amount of {$220.00} with the Original creditor : XXXX XXXX XXXX. 
My husband is XXXX XXXX military and in XXXX we moved to XXXX for his duty assignment and still live here to this day. I've had absolutely no interaction with the collector or creditor and have never done business with them either. These accounts are unknown to me and I'm disputing to have them verified, validated and if not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly ( 120 ) days late on XXXX partial account numbers ****XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 6 10 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these but I have not been successful.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payment reported was due to a clerical error on the part of XXXX XXXX. My payment was made on time, as confirmed by my bank records, but it was incorrectly recorded as late due to an internal processing delay by the creditor. I have verified with my bank that the payment was processed and cleared on the due date. 
Evidence Provided : Bank statement showing the payment made on the due date. 
Confirmation from XXXX XXXX acknowledging the error in processing the payment. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

XXXX reassured me they wouldnt report me to the bureau if I paid my total amount due.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be 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. 


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


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


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

After reviewing my credit report, I found some incorrect information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) of the FCRA, the XXXX credit bureaus are required to validate these accounts. Failing to verify this information within the legally specified timeframe without providing proof is not permissible. The following erroneous information on my credit report needs to be investigated and corrected : XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$17000.00} XXXX XXXX Balance : {$17000.00}
Product: Credit reporting or other personal consumer reports

I have made multiple requests for companys cooperation in providing me the proper debt validation/verification. The only thing sent was a print out of a credit card company. No proof that it belongs to me. I reported that there was no initial contact informing myself that supposed debt was procured by agency ; which denied me the ability to exercise my rights as stated by the FCRA and FDCPA. Following the limited unverified information in response to multiple request, company continues to negatively impact my consumer credit report with the incorrect reporting, which is direct violation of FDCPA. Reporting unproven info along with refusal of requested items is oppressive, abusive has caused financial harm. Fraudulent debt collection constitutes as a violation as company continues to report debt that they have not legally produced proof of requested items, thus violating TILA, as they have failed to provide adequate proof of purchase agreement, assignment contract, and verification that I was given the right to dispute upon procurement. Illegal collection activity and fraudulent misrepresentation of their financial dealings, does not validate their reporting.
Product: Checking or savings account

I was with Wells Fargo for XXXX yrs. Now my accounts are closed because for some reason everytime I would mobile deposit checks, or just go to an ATM and put money in there when I would go back to check my accounts it XXXX always be way less than the amount I suppose to have had. And then when I would call to see what was going on with my money they could not explain, or give me a reason as of to where my money went. I dont remember the exact dates but I know they have took over {$100000.00} from me. So I got sick of it and closed my account.. Wells Fargo is not a good bank.and I wish I knew then there was someone besides them I could talk to instead of customers service to get things resolved. Please help me regain my money back from throughout the years. That has caused me a lot of pain because I was not able to keep my promise with bills an things knowing the money was In my accounts. But when I turn around it wasnt. Ive went with no water, no light etc..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a big issue with the credit reporting agency mainly XXXX XXXX as I going through reviewing my file I noticed that my credit has not been up to par and it does not reflect having XXXX or XXXX accounts on my negative accounts on my credit file for it to be at a for a low low XXXX XXXX so I started doing some investigation and got all my reports from each of the reporting agencies XXXX XXXX mainly I asked for XXXX separate reports and verify that every XXXX of their reports has my business or somebody some some form or some way business dealings that I have is being reflected on my personal credit or personal XXXX  XXXX  report and which is internal repairs on my credit they're using XXXX XXXX  which is a account that's already been paid off to basically throw up a red flag and say hey this is this is what we got him to XXXX XXXX  for, and then turn around and report it to my personal credit as a inquiry Banks why we can't get a checking account or banking account is due to the fact they're reporting on my business debt or business transactions under increase view by others under my personal file view by others they just change the name of it so I'm a registered XXXX so they have found a way to not put it put it negative information directly on my personal from these Banks because I would XXXX XXXX we just reported it differently I know this because I'm 100 % sure of this because I have not tried to open too many personal bank accounts in the last XXXX  years maybe XXXX or XXXX and for them to say that all the inquiries are because of a personal inquiry because I will try to open a bank account is not the truth so I went back and and matched every business every XXXX of the names on there has some kind of business dealing with me or they either had XXXX XXXX reported on there behalf XXXX reported for them like XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX of XXXX XXXX. XXXX & XXXX XXXX XXXX XXXX XXXX XXXX ran a credit check on both me and my husband without permission. We purchased a home in XXXX of XXXX, and obtained our loan through XXXX XXXX ; that is how they have all of our information. XXXX reached out to get us to refinance our loan. I had a few text exchanges with XXXX XXXX about questions pertaining to refinance. My husband, XXXX XXXX never spoke with him at all. 
I received a credit monitoring notification that an inquiry into my credit was made. XXXX confirmed that he did run a credit check on me and also my husband. Neither us us gave consent ( I have the text conversation to prove this ) for him to run the reports. I informed XXXX XXXX that we never gave consent and requested that he immediately request that it is removed. He text me that it was just a misunderstanding and he was sorry. That is unacceptable and it was NOT a misunderstanding. It was a violation of my and my husbands rights. I do not know what recourse we have here, but this is not ok! You can not violate privacy and rights, just because you have their private information. Especially to gain a sale!
Product: Money transfer, virtual currency, or money service

Hi, I have been using Ria Money Transfer , Online Money Transfer Agency to  transfer funds to my Friends and Family In  XXXX . Lastly, I sent  XXXX  $ from their website on  XXXX / XXXX /   2017  and the money never made it to the recipient 's account. I kept calling customer service and every agent keeps saying same robotic answer " We have not received response from   the Recipient 's Bank ''.
After waiting 10 days for Money transfer ( SLA is 5 days ), I called   them back to cancel the transaction on  XXXX / XXXX / 2017 . They submitted a cancellation re quest and now it is 5 more days and I am yet to receive my money back. Again I keep calling customer s ervice and I get the same response as mentioned above.     I managed to speak to a  Supersvisor  named  XXXX , The he says the money will be kept locked untill they receive the response from the bank.     The recipient is my dad and his account is not credited with the amount. When Transaction was made they did not respond, when transaction is cancelled, they still did not  respond. I am now worried whether Ria will keep my money locked forever saying the same robotic answer.  Is there a solution for this?