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

I disputed a debt with XXXX XXXX XXXX for XXXX XXXX XXXX due to collection being past state of Mississippi statute of limitations for debt collection. 

I did not enter into a contract with them and they could not provide proof via the original signed contract agreement. 

Secondly they're engaging in illegal reporting practices. 

The original date of reporting was XX/XX/XXXX. The account was deleted from my report then added to my report and others again with a new date reporting XX/XX/XXXX. 

In Mississippi, Contracts, oral or written, and XXXX XXXX have a statute of limitations of 3 years ( XXXX XXXX, XXXX, and XXXX ). 

Open Accounts or credit card agreements have a statute of limitations of 3 years from the date at which time the items on the account became due and payable ( XXXX XXXX & XXXX XXXX ).
Product: Mortgage

I contacted SPS on today and talked with XXXX and she advised that the account was scheduled for foreclosure on XX/XX/2019. She transferred me to XXXX, and she advised that they were unable to grant a modification because he does not live in the property. I advised XXXX that this was not correct -- the modification that was submitted states that he DID reside in the property. Then XXXX stated that we had less than 30 days so this was not enough time for the underwriting department to review documents received. I told XXXX, I would give her a call back and asked for her Extension because I wanted to look up my information and not have her holding. I asked for her extension which is # XXXX. 

I called back at XXXX XXXX on today and spoke with XXXX XXXX. She advised that the property was scheduled for foreclosure on XX/XX/2019 and asked if I was aware. I advised that I was and that I was calling back because I had spoke with XXXX and assumed according to the CFPB that if a borrower submitted a complete modification package with the 37 days that the borrower was protected from a foreclosure. She stated to me what they had received and it appeared that documents were missing. She said that Mr. XXXX did not live in the property. I advised her that he did. XXXX asked me when did he move into the property and I advised on XX/XX/2019. She stated that she could not pull back a foreclosure date and would need to send me to Ombudsman Department. She stated that documents needed were proof of residence. She transferred me to that department. 

I spoke with XXXX XXXX, he advised that there wasn't anything that could be done at this point because XXXX XXXX did not qualify for an assumption. He didn't live in the property. I advised that I didn't submit an assumption but a modification on the property and since he was the successor of the property I didn't think he needed to apply for an assumption. He said I did not understand, I stated to him so.... " we are playing on words '' He stated no, there was not a play on words. He stated that he didn't qualify because proof of residence wasn't met. I advised that a driver 's license and car registration was submitted. XXXX stated that the car registration was not legible and driver 's license did not qualify as proof of residence. He needed a power bill/natural gas, tax returns were all acceptable forms. He also stated that the mortgage maturity had expired and the property needed to be paid in full. Based upon the value of the home, he could apply for a loan to pay the mortgage loan off. He asked me how was Mr. XXXX 's credit. He also stated that the insurance was cancelled as of XX/XX/2019 for non payment with XXXX XXXX. At this point he was 27 months delinquent on mortgage payments. There was nothing that could be done and he could not stop the foreclosure proceedings. 
Select Port Folio is Unwilling to assist me with saving my home. Im requesting the property foreclosure sale be put on hold and the modification request be processed. I appreciate your assistance with this urgent matter
Product: Credit reporting or other personal consumer reports

his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX  XXXX BALANCED {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian ignored my fraud alert and provided a credit report and other personal information to obviously suspicious inquirers. They make no effort to secure or verify any of the information they possess. They further allowed the fraudulent actors to create an account using my personal information but linked to an email and phone number in their control. That way, when I tried to correct Experians mistakes, I was unable to even create an account. And they dont answer their phones.
Product: Credit card or prepaid card

I applied for a business credit card on XX/XX/XXXX and called in onXXXX apparently there was an issue with my social security number. The first woman was XXXX and I Was told that I was denied for reasons such as,1 chase card balances grew too fast compared to limit/time on file ( amount was XXXX out of a XXXX limit ) 2 too many active/too much available credit ( I had a new credit cards opened XXXX XXXX XX/XX/XXXX and chase XX/XX/XXXX a XXXX in XX/XX/XXXX and a XXXX XXXX in XX/XX/XXXX ) 3 business too new ( 2 months ) 4 too many recent requests for credit or reviews of my credit ( only three in 5 months one for a car and two for the credit cards ) I was told that paying down the credit on my chase card would help in a reconsideration and payed down about XXXX out of the XXXX. Was still denied a second time. With more reasons some which were different. for the recon reasons 1 too many accts with balances ( I use my credit cards for everyday spending so 2 XXXX XXXX cards with balances of XXXX and XXXX XXXX with XXXX out of XXXX limit XXXX XXXX XXXX out of XXXX but has 0 apr and the chase with XXXX. 2 business too new ( two months ) 3 insufficient business revenue ( XXXX in two months more than a lot of ppl make in two months in ADDITION to what I make from a whole full time job AND a part time job ). When I called back for the recon the underwriter I SPOKE to said she would recommend an approval but it has to go to a second review after her this woman was XXXX. That is the one that was denied. It seems very odd that any of the XXXX ppl I spoke to or reviewed my application were uncomfortable lending giving me a business credit card but the only XXXX underwriter I spoke to wouldve approved my application. Underwriting is so XXXX and subjective its ridiculous. My first chase application was only approved after I spoke with someone who ALSO happened to be a Person of XXXX. It seems that chase is unwilling to give people of XXXX with small and budding businesses credit unless the underwriter themselves are also of XXXX. Very discriminating organization. Beware.
Product: Consumer Loan

I burrowed {$3000.00} around XXXX or XXXX of last year from Springleaf Financial in XXXX, MS XXXX. I requested a payoff twice. When I asked how much principal and interest I was paying no one could tell me about it. I called XXXX XXXX XXXX twice before anyone answered the phone. The first time I answered then I missed the second phone call. I called back and left a voicemail and he never replied back. While on phone call with XXXX XXXX I asked several times for my payoff and I asked how was it calculated. XXXX XXXX stated, " Our system is n't calculated to give us principal and interest. I asked him could he provide this information to me and get back with me. I went to pay off my loan and noticed that my principal amount left to pay was {$1100.00}. My pay off was {$2800.00}. I did not sign up for any insurance or third party sales. I was wondering why I had {$1700.00} left in interest when my paid it off 2 years early.. I do understand the Interest rate was 19.99 % but I did understand my rate. I asked several times for XXXX XXXX to provide me with an amortization schedule. He said he would get me XXXX but he would have to talk to his boss. I went to pay off my loan, and I had an ACH setup. I did call the business to cancel my ACH so that I could get this issue resolved. I want to put this behind me. It 's been almost 2 months since I requested the following information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was denied credit for a car loan, due to negative items on my credit report. I discovered that American Honda Finance was the reason for my denial. The most recent dispute I have with American Honda Finance was submitted and sent via USPS certified mail to all 3 major credit bureau 's XXXX, XXXX  and XXXX  on XX/XX/XXXX see attached ( Ref. A ). 

My request was to update/delete the " Date Last Active, '' because it was reporting incorrectly across all credit agencies. XXXX  - XX/XX/XXXX ; XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX. It obviously has been re-aged to continue to extend the statue of limitation. I asked for a careful analyst and to investigate the inaccurate information that is reporting in my credit report. I provided snapshot of my credit report side by side from my credit monitoring tool from XXXX, I would hope this would help them investigate. 

Within 30 days I did receive new reports and response letters from all 3 credit bureaus ( Ref. D, E, F ). However I did not receive the results I was looking for. They did not even investigate my request of " Date Last Active. '' They did not do their due diligence and investigate. I reviewed the reports ( Ref. D, E, F ) that they have sent me and the updates. After several analyst, I noticed obvious accounting mistakes that possibly should of not resulted in a repossession. I discovered new inaccuracies that I missed and could of never seen without having a full report. 

1 ) XXXX/XXXX  : is reporting REPO on XX/XX/XXXX - ( Ref. E, F ) XXXX  : is reporting REPO on XX/XX/XXXX - ( Ref.D ) 2 ) Late payments reported XXXX  & XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX - ( Ref. E, F ) My leasing contract states that my payments are due every XXXX of each month ( Ref. C ) XXXX - Debited my account on XXXX, XXXX - I was not 30 days late ( Ref. G ) XXXX - Debited my account on XXXX XXXX, XXXX - I was not 30 days late also have XXXX XXXX receipt that reflects paid on XXXX XXXX, XXXX and paid 2x of monthly requirement. ( Ref. H, L ) XXXX - How can I be 90 days late if I paid XX/XX/XXXX through XX/XX/XXXX? 
XXXX - Debited my account on XXXX. XXXX, XXXX - I was not 60 days late ( Ref. I ) XXXX - Debited my account on XX/XX/XXXX XXXX XX/XX/XXXX for 2x payments ( Ref. J, K ) 3 ) As of today my XXXX  XXXX Credit Report on XX/XX/XXXX : My report is showing more inaccuracies than when I disputed in XX/XX/XXXX ( Ref. B ) >High Credit : XXXX XXXX  XXXX {$12000.00} XXXX  XXXX {$3900.00} >Past Due : There is a PAST DUE balance, when account has been CHARGED OFF >Date Last Active XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX The inability for American Honda Finance to accurately do their due diligence to accurately report correct verifiable has resulted in a lot of headaches and emotional stress. I can not get approved for a car loan because of this account.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment and to follow up regarding the numerous unsuccessful attempts to correct late open accounts on my credit report. Despite multiple communications and efforts on my part to rectify this issue, it remains unresolved, causing significant distress and harm to my financial standing. This complaint serves as a formal notification of the ongoing problem and my expectation for a prompt and effective resolution. Over the past several months, I have made repeated attempts to address the presence of late open accounts on my credit report. Despite following the proper procedures outlined by Credit Bureaus and providing all required documentation, the late open accounts persist inaccurately. I have contacted your customer service department on several occasions, spending considerable time and effort to resolve this matter, yet to no avail. Kindly help me correct the accounts immediately : XXXXXXXX XXXX XXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$320.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported XX/XX/2019 by CBE GROUP on behalf of XXXX XXXX XXXX XXXX in the amount of {$250.00} which has posted on my credit report twice. I want both of these marks removed as they are incorrect.
Product: Credit card or prepaid card

I have a XXXX XXXX Credit Card which is serviced by Wells Fargo Bank. On my most recent statement, issued on XX/XX/2001, they charged me a minimum interest fee of {$1.00}. I have had the card for 3 years and they have never charged me a minimum interest fee ( I have maintained timely payments for three years ). I also did not receive any updated terms or conditions between this statement and previous statement so this is clearly an erroneous charge. I called the number at the back of my card on XX/XX/XXXX and spoke with XXXX and was escalated to XXXX. They claimed the fee was correct because not all of my purchases from XXXX XXXX qualified for deferred interest. But I have made multiple purchases in the past with some that qualified and some that didn't, and they have never charged a minimum interest fee. I emphasized this to them, and also the fact that they can not just suddenly charge me a fee without notice. XXXX agreed to remove the {$1.00} charge. This was a week ago and the charge remains on the account. 

I re-read the statement and it states I have to dispute the charge in writing or they may not act on it, so I am mailing out a letter to them, certified, tomorrow. I understand this is just a {$1.00} charge but if they are charging 100,000 people this arbitrary charge then they have just stolen {$100000.00} from the public. I am also concerned that if they think they can get away with a {$1.00} charge this month they may charge me more next month and expect me to just pay that too. Please do not let Wells Fargo get away with this. They deserved to be penalized to the fullest extent of the law.
Product: Checking or savings account

I have received a refund to my card with this particular bank XX/XX/XXXX I have not received this refund of my funds I have called them and they seem to not know where my refund is even though it was not declined and returned to the merchant I have tried to resolve this on many occasions everyone has a different answer and have not been helpful at all
Product: Mortgage

Please provide a listing detailing all account activity from XX/XX/2022 to the date this request is fulfilled - the months of XXXX, XXXX, and XX/XX/2022. Thank you.
Product: Payday loan, title loan, or personal loan

I went to the following website.    XXXX   XXXX   XXXX    XXXX . Looked at several pre-qualified offers and did not like any of them with insane rates of 30 % being offered so I did not apply.  XXXX  it seems sent my information to  LendingPoint, LLC Telephone nu mber :  XXXX .  LendingPoint th en submitted an application without my consent. I called them and they told me there was nothing they could do to help and the credit inquiry would fall out in two years.
Product: Debt collection

I am filing this identity theft report in response to the derogatory remarks that XXXX XXXX and the credit reporting agencies are placing. I have been a victim of identity theft because I have never been associated with DISCOVER BANK. However, DISCOVER BANK is reporting a fraudulent account to the credit reporting agencies with a balance of {$20000.00}. Immediately after I noticed this account, I contacted XXXX XXXX. I got the credit reporting agencies and informed them to place a fraud alert on my credit report and the creditor to remove my information from their database because I am not their customer. They should not have or share my information. The mentioned account was opened without my consent and authorization. It was opened without my knowledge, and I do not even know when the account was opened. Therefore, I filed this report with the CFPB to request that they get involved so that DISCOVER BANK can remove the fraudulent and derogatory remarks they report on my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX 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 in XXXX  days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


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

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was closed by the credit provider in XX/XX/XXXX and has reported activity on my Experian Credit report from that time through XXXX XXXX when I filed Bankruptcy. They are also reporting a late payment in XXXX XXXX when the XXXX was filed. The account had already been closed.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft credit cards has been open in my name without my knowledge or authorization.
Product: Debt collection

Received a threatening automated call on Monday XX/XX/XXXX from XXXX stating that legal action will be taken if I don't return their call. Received another call today XX/XX/XXXX. XXXX who called herself XXXX left a voicemail. I called the number she provided : XXXX. She answered and stated she was from Sunset Solutions LLC debt collections in regards to Payday loans. She informed me that my original loan was {$1300.00}. I had made payments up until XXXX and still owe {$410.00}. My loan appeared on her desk within the last few days. She informed me I need to make immediate arrangements or legal actions will be taken. She said she has a subpoena ready on her desk. I told her that I paid that off in full in XXXX. I also had another call back in XXXX for the same exact thing. I stated to her that I told the previous guy I paid it off and have a receipt. If he could give me the information to forward it, I would send him a copy and never heard back from him since. I told her " how do I know you are not fraud? '' She said she would sent me the emails and websites to prove they are legitimate. I told her I would have to go home and find a receipt, since it has been several years back and paid for I most likely shredded it. She said to return her call when possible and we could work something out by sending {$150.00} for the first payment if I didn't find the receipt. I called her back, she did not answer. 
I researched this on XXXX and it says it's a possible scam. 
I tried to get in touch with Payday loans, they are no longer in business in my area.
Product: Credit reporting or other personal consumer reports

This complaint is against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report, Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681i, which mandates a responsible investigation of disputes. Furthermore, Transunions actions may also contravene the Consumer Financial protection Act ( CFPA ), 12U.S.C.5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 

I have attached the accounts that Transunion for failed to properly investigate my disputes regarding inaccuracies in my credit report.
Product: Money transfer, virtual currency, or money service

I think someone withdraw money from my account in it's hard to find out who was I really talked to Navy Federal about my account they said there's nothing wrong but if I go deeper I see there's a transactions of {$1000.00} {$500.00} and I'm missing money also I was going to get some money from XXXX and never receive it on my account I'll talk to the customer service they could get fixed they never reverse me the money and also Navy Federal never close my account and check the transactions also they're charging me I opened a credit card account and put {$500.00} on hold in case I don't pay the card when I couldn't pay the card they took the {$500.00} and they're charging me {$20.00} every month and I call customer service and they told me they're going to be charging me every month {$20.00}