23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Due to financial hardship I enrolled in a XXXX Delayed-Payment Mortgage Assistance Plan. The payments were delayed from XX/XX/XXXX through XX/XX/XXXX ( 9 months ). I applied for an extension on XX/XX/XXXX but was denied. Under the XXXX XXXX I was eligible for an additional extension. On XX/XX/XXXX the loan was referred to an attorney to begin foreclosure proceedings, these proceedings were stopped upon receipt of full payment ( see attachment ). Subsequently during this time Midland Mortgage began reporting negative remarks to my credit profile e.g. ( 180 days late, foreclosure process started ). During the time of reporting I was eligible for XXXX XXXX. These remarks have negatively impacted my ability to purchase another home and XXXX Mortgage refuses to remove the remarks.
Product: Debt collection

Spoke with upgrade on XX/XX/XXXX in regards to payment assistance. Discussed options decided to continue making regular payments but did request removal of account auto draft and was informed upgrade is ok if not paid on day of as long as paid in 30 days. Opened app saw 65 days past due on XX/XX/XXXX never notified on previous call nor in writing or by phone. I have made all payments at min that have cleared my personal account on XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. Was informed by rep today that it was a pay now error on their end and never drafted from my account when previously it did and was never notified that there was an issue. This impacted my credit and receiving calls on a timely made debt payment per my contract and due dates and payments shown on the account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally request the removal of late payments and inaccuracies associated with my account number XXXX from my credit report. These discrepancies violate the provisions of 15 U.S.C. 1681a, which safeguards my right to privacy and accuracy of information. 


2. XXXX XXXX 3. XXXX XXXX 4 . XXXX 5. XXXXXXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I trust that XXXX, XXXX and Transunion will handle this matter with utmost diligence and adhere to the requirements outlined in 15 U.S.C. 1681a. The accurate representation of my credit history is essential for my financial well-being, and the removal of late payments and inaccuracies is crucial in upholding the integrity of my credit report.

Thank you for your prompt attention to this request. I kindly request a written response confirming the actions taken to address the violations of 15 U.S.C. 1681a within a reasonable timeframe.

Sincerely,
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to follow up on my previous communications regarding the correction of a late open account. This marks the multiple formal attempt to address this matter. 

As previously discussed, there appears to be an error in the opening date of one of my accounts, which is negatively impacting my credit history. Despite my repeated requests, the necessary corrections have not been made, and the late open account continues to inaccurately reflect my financial standing. 

I kindly request that you revisit this issue and take the appropriate steps to rectify the opening date of the account in question. Ensuring the accuracy of my credit report is essential for maintaining my financial integrity. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX XXXX Balance : {$4100.00}.
Product: Money transfer, virtual currency, or money service

I tried to do a money transfer on the Sunday the XXXX when they told me it would take one to four business days I told them forget about it well since I'm a customer and they had my account number they went ahead and processed it anyway I called up immediately and they canceled it and said the money will be returned to me immediately now I'm going on day 4 The amount was {$560.00} this is on Sunday the XXXX
Product: Credit card or prepaid card

I tried to increase my credot limit to XXXX and I'm more the n capable as I have a few credit cards on with the same limit on my report. Capital one based nothing on the report said I have not made more then the minimum payment on the account which is false. I though I had a great relationship using the card as I have payed the account off multiple times! I have proved payment is not an issue!
Product: Credit reporting

My 20 year credit history is great according to XXXX and XXXX, however Experian has no record of my existence. This is posing a problem because I 'm trying to secure a mortgage for a home for which the seller has accepted my offer. Nothing at all came back from Experian when my broker ran my credit report. I tried to receive my credit report from Experian 's website and phone services, but they say " We 're sorry, we could not fulfill your request at this time '', but gave a phone number and email to contact. 
I sent an email, several days ago and have heard nothing back except for an automatic confirmation that they received it. I also tried the phone number but I am not able to speak to a person without a credit report number. I was able to finally get ahold of a real person after calling their business customer service line ( getting yelled at for doing so ) and getting transferred several times. The customer service representative I finally got on the line was not able to access my account, and " escalated '' the issue to a group that " handles these issues '' through an email that only Experian employees have access to ( there is no way to call this group either ). He could n't give me an estimate of how long it would take, but said they would call me back soon. Based on my previous experience with Experian and email, I have no guarantee that I will ever hear back, and I do n't know what is considered a reasonable amount of time to wait for them to respond. 

So, I 'm getting a bit antsy as this is the last step to getting my dream home, the clock is ticking, and it seems I may not be able to secure a loan without resolving this glitch. I figured that filing a complaint here was a good step to take. 

I should note that my identity was stolen in XX/XX/XXXX and my social security number was used to purchase multiple vehicles. I reported it as soon as I found out, filed a police report, and thought I did a pretty good job clearing my name, although this was before the Fair Credit Reporting Act was passed and there were not the legal options for me to pursue ( I did consult a lawyer at that time ). I did not have a problem securing a mortgage in XX/XX/XXXX, refinancing several years later, or obtaining a credit card since then. So I 'm not sure the identity theft incident is related, but thought I should mention it. 

I can submit any supporting documents you need to help me resolve this. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX   Transunion & XXXX 

I didnt hear back so I sent a demand to comply with investigation on XXXX/XXXX/2020 Today is XXXX/XXXX/2020 and I still havent heard back from these companies.
Product: Debt collection

Hello My name is XXXX XXXX and Transworld Reported Negative Activity on my credit report. I never applied for any for XXXX XXXX XXXX. I am disputing this. Company stating I owe them XXXX. I'm disputing not sure how they were able to get my personal info. 

Thanks for checking into this matter. 

XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next five business days from Experian, XXXX and XXXX XXXX collectively. I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the XXXX XXXX XXXX to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached address.
Product: Mortgage

I have run into a deceitful issue dealing with Wells Fargo on my mortgage. Since we reached the 78 % of the LTV ( Loan-To-Value ), through normal amortization and met the requirements to remove the Private Mortgage Insurance PMI, ( No past due payments, loan aged more than 27 months ), we sent a letter to remove the PMI from our loan, but Wells Fargo said that was not possible because we still have more than $ XXXX to go. 

When we saw the Wells Fargo answer, we reviewed the loan documents and discovered that when we refinanced back in XX/XX/XXXX they used the XXXX loan amount from XX/XX/XXXX as the home appraisal which presently differs of more than $ XXXX. In the other hand, we did not received the amortization schedule of the refinance, even if we have been asking for the document since the very beginning. 

Now their letter stated that we have XXXX options : Option1 ; Send them a check with the difference to reach their 75 % and Option 2 ; Provide proof of the value of our home value which must be determined by having an appraisal done by them, or order a Brokers Price Opinion, ( BPO ), both options at our expense. In either case, the ultimate decision is theirs and we do not have any certainty the PMI will be removed. 

We consider that the refinance process was managed improperly, based on incorrect very ambiguous and distracting information, so that guided us to take misleading decisions like the PMI not being discussed. Are we alone, or is there anything we can do?
Product: Credit reporting or other personal consumer reports

My account with these company 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 MONTHS REPORTING LATE 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 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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!

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

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX & XXXX XXXX  XXXX
Product: Payday loan, title loan, or personal loan

I paid off my loan and i have proof from my bank, yet the company says i owe two loans. You can not re-loan if the first loan isn't paid off. So this company is double dipping on me plus charging me additional fees. I want them to be fined in the amount of {$1000.00} to be payable to me immediately.
Product: Credit card

I always paid on time, and this giving me XXXX I neves XXXX paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Product: Debt collection

Harrassing phone calls and fraudently filed a judgement even though they ( midland credit ) took money out of my checking account without authorization from me
Product: Debt collection

Received a call from Holloway Credit solutions on XX/XX/year>. I politely asked the agent to mail me any information regarding the debt, and she not only refused but stated she would document that I refused to discuss.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking of information on my credit report resulting from identity theft under Section 605B of the FCRA. I have been a victim of identity theft and the following entries on my credit report are fraudulent. Collections accounts 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
Product: Mortgage

I refinanced my home loan and wanted to make my first payment today and I was told over the phone they would add {$11.00} to my invoice to make the payment via telephone. They also said the XXXX payment ca n't be made via their online website. None of this information appears on the hardcopy mortgage statement I received in the mail. I 'm more than willing to pay the amount that appears on my mortgage statement, nothing more, nothing less. I 'd like to make my {$2100.00} payment via telephone prior to the scheduled due date of XXXX/XXXX/16.
Product: Debt collection

Thank you for taking my call today regarding my lawsuit settlement questions about the loan I got with you guys back in XX/XX/XXXX. I attached my first statement from XX/XX/XXXX and my most recent statement from XX/XX/XXXX. The Rep I worked with set up my monthly payments to be autopay but it looks like instead of 1 monthly payment being taken out each month, every statement shows that {$110.00} was deducted from my checking account every 2 weeks for the last year ( totaling {$2600.00} ) but if you look at the statement, the loan amount owned has barley budged and its showing I gave late fees owed too which is impossible because he set up the autopay for me. If you could have someone call me that would be fantastic. Thanks so much for your help XXXX XXXX XXXX Account Number : XXXX
Product: Consumer Loan

account information is incorrect ... they say i owe {$99.00} in interest and yet they are taking {$210.00} i feel they are loan sharks ... i 'm sure after again reviewing my payment history this has been going on since 2012 this only one of my complaints..i constantly get the run around..i have tried making extra payments..i finally got that resolved ( i think although i do n't trust them and there math ) they made me go though many hoops on this write check call ect. ect. ect. and in end applied to interest, they are intimidating dishonest they also have to many service fees loan sharks
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION 605 ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion file # XXXX I was trying to verify bankruptcy on my credit report. Agency took to quickly to verify account. I challenge the verification method. After talking to the bankruptcy court listed they dont report records. I demand the correspondence ( paperwork ) received from the bankruptcy court. If no proof is given to me its hearsay. I demand to remove the bankruptcy if proper verification wasnt performed and thats something from the court. I have a letter handy that no transunion contacted them to verify anything in my name. Without proper papers from the court with my signature this remark will need to be removed per the fcra rules.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Adresss : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Return Address : same as address XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ] Dear XXXX, I am writing to dispute the following information that appears on my Experian consumer report : Dispute 1 Account Number - XXXX Source of dispute information : XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Mi XXXX They are stating I am responsible for a credit account from syncing bank and is now in collections. 
Dates associated with item being disputed : XX/XX/XXXX and XX/XX/XXXX o Im the victim of identity theft and I dont recognize one or more of the accounts on my report. My wallet was stolen with all my information, my social security cards as well as my childrens and credit cards, I have reached out to XXXX more than once and they state the information is accurate when it is not. 
Dispute XXXX - account number XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX They are stating I am responsible for a credit account with a company I know nothing about. I have tried to dispute this more than once but they arent fully investigating anything. It is affecting me a great deal. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There are several inaccurate accounts and inquiries on the 3 reports that dont belong to me nor did I authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/2015 with a balance of {$0.00} -This is not my account.
Product: Mortgage

I became ill while working as a XXXX in XXXX XXXX. As a result of my illness and XXXX I have not been able to find gainful employment. I am a XXXX year old female with failing health. My only source of income is {$810.00} SSA Retirement Benefits and {$190.00} SNAP Food Stamps from the State of Louisiana. I was forced into bankruptcy and am now facing foreclosure. I would be forced into homelessness. I feel that I am being discriminated against and punished by my mortgage company because of my age and health which prevents me from finding employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed disputes and they closed on XX/XX/22, XX/XX/22, and XX/XX/22 regarding the same information : I filed a XXXX  XXXX bankruptcy on XX/XX/22, initially, I had signed a reaffirmation with XXXX bank because I was hoping to still be making enough money to support the loan. I realized in the next month it was not looking good for me financially so on XX/XX/22 we filed a notice of rescission of reaffirmation. I have not heard from XXXX XXXX, despite reaching out to them on several occasions, and on XX/XX/22 a surrender letter was filled out and sent to them. They requested the location of the vehicle, which was supplied to them same day as well as the facility gate hours, and to date ( XX/XX/22 ) it has not been picked up, I have not been contacted, and they have not updated to show it was surrendered. I have made several attempts to get my credit report updated but they refuse to update it and still show all months are past due and the amount it owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. Kindly remove the following inaccurate items in my file as soon possible : 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 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