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

Immediate Correction and Update ( FCRA 1681i ( a ) ) : Both XXXX and TransUnion should promptly remove the erroneous late payment for XX/XX/XXXX on my XXXX XXXX XXXX  account, correcting the report to accurately reflect a closed status with a {$XXXX} balance as of XX/XX/XXXX. This aligns with FCRA Section 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), which mandates credit bureaus to conduct reasonable investigations and maintain accurate information.

Written Confirmation of Corrections ( FCRA 1681i ( a ) ( 6 ) ) : I request formal written confirmation from both XXXX and TransUnion, per 15 U.S.C. 1681i ( a ) ( 6 ), documenting the correction of this error, including an updated copy of my credit report reflecting these changes.

Assurance of Accuracy and Preventative Measures ( FCRA 1681e ( b ) ) : To ensure ongoing accuracy, Equifax and TransUnion should review this account 's reporting under Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires credit reporting agencies to follow reasonable procedures to maintain maximum accuracy. Written assurances of these measures would be appreciated.

Credit Score Adjustment and Recalculation ( FCRA 1681g ( f ) ) : Given the impact of this reporting error on my credit score, I request a recalculated score to reflect the accurate, corrected information per FCRAs Section 609 ( f ) ( 15 U.S.C. 1681g ( f ) ), which allows consumers access to correct credit score information.

Explanation of Delay and Compliance Statement ( FCRA 1681s-2 ) : Finally, I request an explanation as to why the inaccurate information was not promptly corrected despite prior dispute notifications, as mandated under FCRA Section 623 ( 15 U.S.C. 1681s-2 ) for accurate reporting and timely resolution. A compliance statement from XXXX and TransUnion will clarify that appropriate corrective measures are in place to prevent recurrence ... ... ... ... ... ... ... ... ... ... ... Heres a description of what happened, formatted to meet the guidelines for a complaint to the Consumer Financial Protection Bureau ( CFPB ) : In XX/XX/XXXX, an erroneous late payment was reported by XXXX XXXX Bank on my closed account, which had a {$XXXX} balance as of XX/XX/XXXX. This incorrect information negatively impacted my credit reports with XXXX and TransUnion, despite prior disputes. Both TransUnion and XXXX have continued to report the error, while XXXX has already corrected the account details. 

I took several actions to resolve this, including submitting disputes to XXXX and TransUnion, but the inaccurate reporting has persisted. This reporting error has caused ongoing harm to my credit profile, affecting my XXXX XXXX and overall creditworthiness. As mandated by the Fair Credit Reporting Act ( FCRA ), XXXX and TransUnion are responsible for investigating and maintaining accurate consumer information. 

I request immediate correction of this inaccurate reporting on my credit reports, along with written confirmation of the correction, to ensure my account accurately reflects a {$XXXX} balance and closed status as of XX/XX/XXXX.
Product: Credit card or prepaid card

On XX/XX/20 I charged {$150.00} my Brooks Brothers Platinum Master Card for the purchase of XXXX XXXX sets for my grandchildren. After waiting 2 months for delivery I attempted to track down the vendor from the information given on my credit card bill. I searched every resource possible but could find nothing at all on who the vendor is or where they might be located. I then called the credit card company to lodge a fraudulent charge. They sent me a letter requesting all the information I had which responded to in writing. Approximately 30 data later a received a letter denying my claim indicating they did not have enough information to grant my claim. I then called the appropriate dept of the credit card company for an explanation.After a prolonged discussion they would not honor my claim saying they didnt have enough information. I gave them all the info I had. What else am I to do. I directed that my account be closed after 25years.I have continued to pay on the account as they will report me as delinquent should I not. Im a senior citizen and can not afford the loss. Iwould appreciate any help or guidance you can provide me. THANK YOU
Product: Mortgage

Good afternoon, Continuation from XXXX 1. Wells Fargo was instructed to pay {$100.00} M to customers that were Illegal Opening Unauthorized Accounts. The buolder in the case has been sued and has gone bankrupt. Mr XXXX from WF XXXX ID XXXX Office XXXX XXXX worked in house for the builder and forced me to close on the loan even though the loan was {$100.00}, XXXX over the true value of the property. I pleaded not to close with the builder and Mr XXXX and was threatened with litigation. I was forced against my better judgement and have sought disclosure of all the issues in the inception of the loan. 

2. I have paid all my payments on time, never late. Wells fargo did not act in my best interets in the begining and in 2017 changed the terms of the loan. So I sold the property. I have suffred a loss of {$100.00}, XXXX. XXXX Please hold the bank accountable. 

3. please esculate my case. Is the a litigeous option through your office for me to pursue this matter, or do you have a law group that you may recommend in Florida.

4 I will continue to pursue this issue. Please see WF response for XXXX Thank you XXXX
Product: Credit reporting or other personal consumer reports

This is my 4th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XX/XX/XXXX
Product: Checking or savings account

Money was sent on several occasions thru zelle app thru my Bank of America XXXX XXXX and I was denied a refund. My business account was hacked twice sending out over $ XXXX thru XXXX and I was unable to retrieve my funds. This happpened on XXXX of my business accounts. Heres proof of claim that was denied on several occasions. Because of this I closed my relationship with them
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I became delinquent on my mortgage loan from XX/XX/XXXX on XX/XX/XXXX. For 7 years I have suffered consequences of this action on my credit reports. 
The new company servicing the mortgage : Shellpoint Mortgage Servicing ( Shellpoint ) started to report that I am being late on my mortgage payments only as of XX/XX/XXXX. This information is incorrect since I stopped making payments on my mortgage in XX/XX/XXXX. It is the same loan. The loan is now in litigation as of XX/XX/XXXX. I received accelarated note long ago. I do not get normal monthly statements based on which Shallpoint could report to the Reporting Agencies that I am being late with my mortgage payments as Shellpoint is reporting. The statements I receive only for example show Reinstatement Amount of {$220000.00} ( as of XX/XX/XXXX ) rather than normal monthly mortgage payments. 

In addition, Shellpoint on my mortgage statements shows implicitly delinquency date on my mortgage of XX/XX/XXXX ( calculated from the statement : " As of XX/XX/XXXX, you are 1,994 days delinquent on your mortgage loan '' ) in order to circumvent the requirement about not reporting on the debt that is delinquent for more than 7 years according to Fair Credit Reporting Act. 

The fact the issue is not settled after more than 10 years of delinquency shows the weakness of the bank 's case and I should not be punished in excess of what is allowed by law ( 7 years ) of reporting delinquent debt information. Shellpoint has recycled the old information in order to put extra pressure in negotiating the settlement. Use of these unethical tactics should be disallowed and the company should be punished.
Product: Credit card

On XX/XX/XXXX I started receiving emails ( attached ) about a new Chime account. I did not open this account. I called the Chime phone number XXXX to report the fraud and close the account. They refused to close the account until I verified my private identifiable information. Even though this account was opened fraudulently without my authorizations, they refused to freeze the account, explain who and how it was opened, and refused to close the account. This is Chime supporting fraudulent banking activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX XXXX How is XXXX XXXX reporting the account type as Open, while XXXX and Equifax is reporting the account type as collection? Which one is it? Is it open, a collection account or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX XXXX not supply that information to you? 
XXXX XXXX and Equifax are reporting the date last active as XX/XX/XXXX and XXXX is reporting it as XX/XX/XXXX. Which date is it? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Product: Mortgage

We were in forbearance as a direct result of Covid-19. I contacted SunTrust and requested to have my missed payments pushed to the back of the loan, and I received the " Subordinate Deed of Trust, had it notarized and returned to SunTrust. However, SunTrust is requiring a lump sum payment ( see attached ) for all the payments missed in the forbearance period.

Per the Subordinate Deed of Trust ( see attached ), my missed payments are payable in XXXX. My first payment was due on XX/XX/XXXX and I made the payment online ( see attached ) on or before the due date. However, SunTrust has blocked me from making payments on my mortgage account for XX/XX/XXXX. This payment is due on or before XX/XX/XXXX. As such, I contacted SunTrust via phone for assistance with making the payment, and I waited a total of over TWO HOURS ( see attached ) without speaking with a representative.

SunTrust also states it has arranged for an inspection ( see attached ) of my home ( a cease and desist is on file ) at my expense and is also threatening foreclosure.
Product: Debt collection

Debt collector, Arcadia Recovery Bureau , LLC, is attempting to collect from me an amount I do not owe of {$840.00}. The creditor is with a medical service provider, XXXX XXXX. They originally contacted me by letter on XX/XX/2022, with reference number XXXX. I responded to them in writing on XX/XX/XXXX, informing them that, a. ) I had already paid XXXX XXXX this amount, and b. ) that I therefore do not owe the debt, and c. ) to cease all communications with me. I also furnished a receipt from XXXX XXXX of the amount noted above, along with a print out of the transaction details from my credit card. 

Arcadia contacted me again about this debt by letter on XX/XX/XXXX, with the same amount and under the same reference number. Per my original communication with them, I would like them to cease contacting me and to remedy any credit reporting they have made in connection with this matter.
Product: Mortgage

Foreclosure notice from attorney dated XXXXXXXX XXXX XXXX was received for a foreclosure sale for my home XXXX. I requested mortgage assistance, I received a forbearance plan from my servicer which increased my mortgage payment a lot. 
emailed servicer mortgage assistance request with my income. I am requesting to be approved for mortgage assistance with a affordable payment.
Product: Student loan

I am writing to express my frustration and concern regarding the incomplete processing of my application for the SAVE plan. Despite submitting the application in XX/XX/year>, it has not been completed, and I have been placed in forbearance since then. This has caused several significant issues, which I would like to bring to your immediate attention : Accumulating Interest : Due to being placed in forbearance, my loans have been accruing interest unnecessarily, increasing my financial burden. Negative Impact on Credit : The plan under which I have been placed has adversely affected my credit, further complicating my financial situation. Communication Challenges : I have made multiple attempts to contact your office to resolve this issue. Each time, I have been placed on hold for an egregiously long time without any resolution or meaningful update on the status of my application. This situation is both frustrating and unacceptable. I would like my application to be processed correctly, and I would like my interest to be reversed as others who have been on the plan have not been accruing interest during this time, and I find that this was a scam on Mohela 's part and unfair to me. I have tried to contact Mohela, XXXX, and Federal Aid to no avail. My next step would be to pursue legal action.

Thank you for your prompt attention to this urgent matter. 

I look forward to your resolution. Sincerely, XXXX XXXX
Product: Mortgage

Around early XXXX XXXX, I applied for a loan modification with my present loan servicer XXXX XXXX XXXX. After I applied for a loan modification, my loan was then transferred to a new servicer Ocwen Loan servicing around late XXXX XXXX. It was explained to me by XXXX XXXX XXXX that my loan modification would pick up where it left off with Ocwen Loan servicing. In XXXX XXXX, and XXXX XXXX I contacted Ocwen to request a loan modification because I never heard anything else about the loan modification that I originally applied for through XXXX XXXX XXXX. On XXXX XXXX, XXXX Ocwen sold my home and confirmed the sale around middle of XXXX XXXX, after several attempts of communication made with them concerning a loan modification. On XXXX XXXX, XXXX, I contacted XXXX, XXXX XXXX XXXX trying to prevent losing my home. XXXX XXXX XXXX escalated my case and it was determined by the escalation specialist XXXX XXXX Agent # XXXX, that Ocwen did not establish proper solicitation or right party contact and asked Ocwen to rescind the sale but they did not. Ocwen Loan Servicing claimed they sent out my solicitation letter in XXXX XXXX, and the trial modification approval on XXXX XXXX, XXXX, to an address my previous property ( XXXX XXXX XXXX, XXXX, OK XXXX ) that they had already foreclosed on back in XXXX, more than 4 years prior. In XXXX XXXX, Ocwen denied my loan modification because I did n't return my RMA that I never received or knew anything about to return because they sent it to the wrong address intentionally deceiving me and setting my loan modification up for failure. Its very hard to believe that Ocwen did n't know that I was at my new address ( XXXX XXXX XXXX XXXX, Oklahoma XXXX, OK XXXX, for years or even outrageously disregarded my address for over 4 years. Although, they sent me my servicing letter to the current correct address and also all of my previous information from XXXX XXXX XXXX had my current address of XXXX XXXX XXXX XXXX before it was transferred. I ultimately lost my home and had to relocate and pay relocation expenses and it caused severe emotional distress. Ocwen Loan Servicing intentionally set my loan modification up for failure and has committed fraud.
Product: Debt collection

Ive noticed a collection that doesnt belong to me on my report and already disputed with company who failed to correct the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it once again, There are accounts that need verifying that are still in my report here is the account that needed investigation : XXXX XXXX XXXX  Balance Owed : {$410.00} XXXX XXXX  Balance Owed : {$350000.00} These accounts are inaccurate, I did not incur any late payments. Please update to pay on time.
Product: Checking or savings account

XX/XX/XXXX, requested a withdrawal of {$5000.00} from my account, handed an envelope with the money that came directly from their money machine. Threw the envelope in a safe and a month later when attempting to use the money, came across XXXX {$20.00} dollar bills in the middle of the stack of {$100.00} dollar bills. So still XXXX bills but XXXX {$100.00} 's and XXXX {$20.00} 's so I am out {$1600.00}. 

Went back to the branch and the manager said that he was going to look at the tapes but basically emailed me the next day saying to there was nothing amiss. Corporate complaint filed on the XXXX of XXXX and these also closed with XXXX communication. I know that they reconcile all accounts and money daily so I am assuming that the money was stolen at branch level after discovering the overage. 

Regions branch XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX - Branch manager XXXX XXXX - teller that handed me the envelope Still have all of the bills sitting in the original envelope but Regions could care less about investigating a {$1600.00} theft
Product: Debt collection

I am having a problem with an unsecured debt held through XXXX XXXX XXXX   and hence sold/transferred to collections held by Pollack & Rosen P.A. out of XXXX XXXX, FL. 
The account was originally disputed by myself for charging that is not in accordance with my understood payment schedule and other unauthored/unknown charges including and not limited to late fees. 

I challenged the matter with XXXX XXXX on more than 5 consecutive occasions and also via the CRA 's ( XXXX, XXXX and XXXX ) and the company never validated or documented the debts, instead it sold the collection to Pollack & Rosen P.A. 

I likewise contacted P & R P.A. and made my case clear that I had not once been notified or provided the results of an investigation in compliance with FDCPA and FCRA laws. 
The company did not communicate with me or reply to my query. 

This week I received a solicitation from an Attorney trying to sell me services to defend against the lawsuit. I conducted a search at the clerk of courts and have found no such lawsuit. I called the attorney and they told me the data in filed. Yet I have not been informed in any manner by P & R P.A. 

I consider this an underhanded and illegal attempt to collect upon a challenged unsecured debt. I am asking the CFPB to help mediate this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the bank to get a business loan for my restaurant and was not able to get approved. I was told where I can go and pull a copy of my report and I still see other peoples accounts on my credit. I have reached out to the FTC and my local police department and I am doing this on my own behalf. Again can you all please remove these accounts so I can get the loan needed to get equipment. XXXX XXXX DATA. XXXX  XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Against TransUnion for Failure to Correct Inaccurate Late Payment Reporting.

To Whom It May Concern : I am filing a formal complaint against TransUnion for its failure to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXX, account number XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> ), my requests have been ignored. This ongoing inaction constitutes a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information within consumer files. The continued reporting of erroneous late payments on my account by TransUnion directly breaches this legal requirement. Furthermore, 15 U.S. Code 1666b mandates creditors to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this statutory requirement. 
TILA Violations The Truth in Lending Act emphasizes the necessity of accurate and timely disclosures to consumers. The misreporting of late payments on my account has directly harmed my creditworthiness, which TILA aims to protect.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act highlights creditors ' responsibility to provide timely statements, preventing unfair penalties to consumers. The continued inaccurate reporting violates this protection, unjustly affecting my financial stability. 
Payment History and Errors Across Credit Bureaus TransUnions records display multiple inaccuracies in my payment history : XXXX : Incorrectly marked as 30 days late. 
XXXX : Reported as 60 days late, despite account closure with a {$0.00} balance. 
Days Late - 7 Year History : TransUnion has listed 30 days late ( XXXX occurrences ) and 60 days late ( XXXX occurrence ), which inaccurately affects my credit rating. 
Lack of Resolution Since Previous Dispute Despite submitting multiple disputes, each bureau has continued to report these errors without change, damaging my creditworthiness and violating my rights under the FCRA and TILA. The inaction on these inaccuracies has resulted in ongoing harm to my credit profile and financial stability.

Desired Resolution Immediate Removal : I am formally requesting the immediate removal of all inaccurate late payment notations from my credit report, including assurances of corrected and accurate reporting across all three bureaus.

Written Confirmation : Please provide written confirmation of these corrections once the inaccuracies are removed.

If this issue is not resolved promptly, I will escalate my complaint, potentially involving legal action and further complaints with appropriate consumer protection agencies. 
Thank you for your attention to this matter. I look forward to a swift and accurate resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , KS XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : $ XXXX XX/XX/XXXX.