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

XXXX sabotaged my credit profile by reporting inaccurate information. Account is not 30 days late. This is the third time in 3 years that this company has placed derogatory remarks on my credit profile causing my score to suffer tremendously.XXXX credit reporting practices are unethical and they target consumers unfairly. I have not been 30 days late in over 3 years. I recently made a payment less than 30 days late & it was reported to all 3 credit bureaus deceptively. A payment made a few days after the due date is reflected on my credit profile as being 30 days late. This has happened 3 times since 2019. I demand this information be removed from my credit profile immediately.
Product: Debt collection

I received a debt collection notice from Shepherd outsourcing llc in regards to a debt supposedly owed to XXXX in the amount of {$3400.00} from 2018 to a creditor named XXXX XXXX XXXX XXXX. I have never heard of either of these agencies or been previously contacted by them. I have never had an account with XXXX nor have I ever had a cell phone account in my name. I feel this is a fraudulent attempt to collect a debt I Do Not Owe. I am XXXX XXXX XXXX and feel they are making false accusations to try to get me to pay this debt. Please help me resolve this issue.
Product: Mortgage

At the end of the XXXX Forbearance period we call the lender and asked what is next because we cant pay the lump sum of the forbearance, they said we where eligible for a loan modification and asked if we would like to be submitted for a loan modification which would try to lower the payment 20 %. That was XX/XX/2021. We asked for paperwork bag where told that once we where approved we would receive the information to review. I quested that and asked how will they lower it, add 30 years? We only have 11 more to pay! A month passes we made a full payment, we call back and nothing has been done, we where supposedly re submitted for a loan modification with a double promise to send the paperwork ... we called yesterday and again nothing has been done, we where told we have to submit the forms to request!! I was like WHAT? So the promised to email us the forms and send them snail mail to make sure, they said the email for would be sent within the hour, nothing email was verified!! So now we have to call against and wait 2 hours to explain everything to two different people before we get to the person who wont help!??!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling and disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and the tracking these transactions was unfeasible. The CFPBs findings indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving us users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

I am rewriting the complaint to JPMCB HOME about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was looking over my credit report and saw i had some inquiries on my credit report that i didnt gave permission to run my credit. XXXX on XXXX on XXXX, XXXX  XXXX  on XXXX, XXXX XXXX  on XXXX 2022, XXXX on XXXX, XXXX XXXX on XXXX, XXXX XXXX  on XXXX, XXXX on XXXX 2022, XXXX XXXX  on XXXX, XXXX on XXXX and XXXX XXXX XXXX on XXXXplease delete the inquiries immediately. 15 U.S.C. 1681 section 604 A section 2 clearly state consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX XXXX Account. I paid it off to XXXX XXXX XX/XX/2020 and got a letter on XX/XX/2020 stating that it was paid in full. I put in a dispute to make sure that it was taken off of my credit report and it was. Then XX/XX/XXXX, it went back on my credit report, and my credit score dropped nearly 50 points. I paid it in full and thanks to XXXX  alerts, I knew that something was wrong. 

I called both XXXX XXXX and Midland Credit. XXXX XXXX said that maybe it was not reported too Midland. I called again and then they said that they don't report to the credit bureaus etc. I also called Midland credit and they said that they needed information from XXXX XXXX. My sending a letter to them was not good enough. I called XXXX XXXX again and left a message with a manager. I got no call back. I called Midland Credit and they finally put me in with a guy who makes the reporting and he said that it would take 7 days. Then I get an alert that it was again reported by Midland Credit. and then I see that my second dispute was resolved and that it was verified as correct when it is not correct. I just did a 3rd dispute and submitted documentation to experian. Well, they did not verify it because I paid it in full to XXXX XXXX XXXX XXXX I contacted Midland Credit back in XXXX and also several times since XX/XX/XXXX. They keep putting the amount and my score has dropped nearly 50 points as a result of this insanity. Now the amount is a dollar higher than before. This is total insanity. No one wants to take responsibility for this and I paid off all of my debt in full without taking a deal. I paid it in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018 XXXX  removed the fraudulent accounts, addresses and names on my credit report and now they are all back on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX has violated my federally protected consumers rights. on the following dates Navient has reported my student loans as late : XXXX XXXX, XXXX, XXXX, XXXX, & XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, & XX/XX/XXXX XXXX, & XXXX I was in forbearance on these dates, At the time the Reps informed me that my forbearance would be retro back to my fist late and that i shouldn't have any late payments reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting.. XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and experian has accounts on my credit report that are not mine and they refuse to remove or delete. 
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
Product: Mortgage

Predatory Mortgage Servicing ; was an FHA loan now under Citi Financial. They knew I would retire before the loan would be halfway finished and that I would n't be able to afford the payment on social security. Now we are facing having to move, with my son whom has XXXX XXXX and my wife whom is XXXX as well. 
Citi financial claimed to be trying to help us with a modified mortgage but we just found out, after almost 10 applications for one, that they never claimed my wife and XXXX son as dependents, making it look like I was supporting ONLY Myself on XXXX a month. We have had the mortgage since XX/XX/XXXX but Citi Financial became the servicer XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Final Demand for Deletion of Fraudulent Accounts Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally demand the deletion of the following accounts from my credit file due to identity theft and your failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) and 1681i ( a ) ( 7 ), regarding my right to receive a description of the investigation and the method of verification : TransUnion : XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX Equifax : XXXX Account Number : XXXX Experian : XXXX Account Number : XXXX I previously submitted disputes regarding these fraudulent accounts and provided you with a valid police report as evidence of identity theft. Under 15 U.S.C. 1681c-2 ( a ), you are required to block the reporting of this information upon receipt of such documentation. Your failure to do so is a direct violation of my rights under the FCRA.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to provide me with a description of the procedure used to determine the accuracy of the disputed information, including the date, time, and contact details of the entity you allegedly verified this information with. To date, you have failed to provide this legally required information, rendering your verification process invalid. 

This letter serves as my final notice to demand that you immediately delete the above-referenced accounts from my credit reports. If you fail to comply within five ( 5 ) days of receipt of this letter, I will be left with no choice but to pursue legal action against you for willful noncompliance with the FCRA ( 15 U.S.C. 1681n ) and negligent noncompliance ( 15 U.S.C. 1681o ). I will seek statutory damages, actual damages, punitive damages, and attorneys fees.

This is your final opportunity to correct this matter before I escalate my complaint and initiate legal proceedings. 

Please provide written confirmation of the deletion of these accounts upon completion of my request. Failure to respond accordingly will be taken as further evidence of your noncompliance. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

My mortgage was transfered from XXXX to PHH Mortgage in XX/XX/2022. I received my first stmt on XX/XX/XXXX with an additional charge of {$30.00} for a " pay off '' quote fee. Well, i never requested a pay off quote and i never consented to being charge a payoff quote to transfer my mortgage to another servicer. 

I contacted PHH customer care about this charge and was told i had to pay it as part of the mortgage transfer. This is STUPIDLY INSANE!! Why would i be responsible for the cost of PHH business operations??? 

My monthly payment with XXXX was {$3800.00} and that contractual amount MUST be the same with this crazy PHH Mortgage servicing company. I will not pay any charges and any negative reporting on my credit will be met with swift litigation on this absurdity of a company.
Product: Credit reporting

Trans-union has not made any attempt to update my credit report ( which was in doubt ONLY because the hospital had the wrong address for my daughter ). I first filed a dispute on XXXX XXXX when the debt was cleared. They refuse to acknowledge the initial dispute and are causing financial harm to my family by inattention to basic service of credit reporting. Then they try to sell me products at every turn. Shamefull
Product: Debt collection

Hello, My name is XXXX XXXX XXXX. I am a consumer who currently resides at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, in XXXX XXXX . I am writing this because I, XXXX XXXX XXXX, Consumer did not give NCB Management Services Inc. written instructions or consent to communicate with I, XXXX XXXX XXXX, Consumer, or any other person regarding an alleged, " Debt ''. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281, SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

This information is true and correct to the best of my knowledge.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CARD was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CARD 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 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 that are reported 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Account Controls Technology, INC put a Wage Garnishment on my account. the date was XXXX-18. I contacted them and did a Payment In Full over the phone. They are continuing to report to all of the credit burrows as delinquent not once but 5 times for one account. i want this to be corrected back to the date of XX/XX/2018 as paid in full and corrected to current date and going forward. I have contacted them and they state that my debt in question has been sold. How can they sell a debt has has been paid in full? I have the authorization number of the one time payment, also the statement from my bank that it was paid. i just want this to be rectified.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion inaction violates federal law and my rights as a consumer.
Product: Mortgage

On a purchase contract with an offer date of XXXX/XXXX/16 when deciding between multiple offers XXXX XXXX, with Citywide Home Loans, represented to me as the listing agent that the buyer was pre-qualified and infact had been ready to close on a previous property that the seller backed out of. So he had already been all the way through underwriting, and that she would be able to close quickly. Upon that representation, her client 's offer was accepted. 

Two weeks later when the home inspection had not even been ordered I was asked for an extension on the inspections deadline and it came with finance and settlement extensions also. I was also informed by the Realtor ( XXXX XXXX from XXXX ) that the Loan Officer was handling the inspection in addition to the appraisal on the property and that she went out of town and that 's why the inspection had n't been ordered yet. 
The inspection was finally done on XXXX XXXX ( 3 weeks after going under contract ). 

Then a week later there was a request to extend the finance and appraisal deadline again, which was not accepted. 
I kept following up to request when the appraisal was complete, and was told that it had been done, that it was fine, but subject to a reinspection after the roof had been re-shingled. I let XXXX know when the roof was scheduled to be re-shingled and that she could order the " re-inspect '' after that. 

Yesterday, XXXX/XXXX/16, I called XXXX to ask if she already had the Final Closing Disclosure out to the buyer etc. and she told me that she was on her way to a funeral and would call me and give me the update afterward but YES, the re-inspect had already been ordered. She never did call me back yesterday. However, I did get a phone call several hours later from an appraiser who was NOT doing a re-inspect but infact setting up an appointment to do the actual appraisal for the first time. 6 weeks after going under contract. 

Today, after the agent reaching out to suggest we needed an extension, I let her know we would do an extension for a different loan officer, but not for the current loan officer who had lied about the loan process and status for 6 weeks. Not too long after I received a call from XXXX to inform me that there were some issues with the borrowers Chapter XXXX that would not be able to be overcome. 

It is my contention that XXXX XXXX : 1. Intentionally issued a false pre-approval. 
2. lied about the qualified nature of the buyer on the phone prior to going under contract. 
3. Failed to respect contract deadlines to protect the buyer 's earnest money. 
4. Falsely stated that the appraisal had already been done on multiple occasions. 
5. Incurred expenses to the buyer for inspections, lost earnest money, and potentially the cost of an appraisal for a house he was never qualified for.
Product: Debt collection

I never lived or stayed in this place I believe someone used my name and social security number for this apartment I live in the state of new york in XXXX I am not paying for a debt that I do not owe I am reporting this as fraud to the credit bureaus.
Product: Mortgage

loan XXXX Ocwen has failed to do a loan modification to h assist the homeowner ; now ID XXXX XXXX XXXX of Ocwen is requesting a " down payment ''. A down payment of {$100000.00} was made when the home was purchased 10 years ago. A repayment plan needs to be structured by Ocwen to assist homeowner.
Product: Mortgage

This complaint reports the unfair debt collection practices on the part of PHH Mortgage Corporation. Please see the enclosed Word document for details. 

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

XXXX, XXXX is reporting a debt on my credit file that has been paid years ago. I am not sure why XXXX is recently reporting this new debt for XXXX. I Paid this debt a long time ago and it should not be on my credit file. This is erroneous and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Dear Consumer Financial Protection Bureau : I had a XXXX lease that matured in XX/XX/XXXX. When I returned the vehicle, It was clear that the lease was terminated and paid in full. I then received a letter in XX/XX/XXXX with a settlement offer, which I did not know the meaning of, yet I paid the amount asked for. My understanding was that this settlement was a settling of affairs and had not a clue that this was actually a settlement of a disposition fee. According to XXXX, there were earlier letters sent out to me ; however, I did not receive any letter before XX/XX/XXXX at which time I promptly paid the amount asked for, as stated above. Unfortunately, the settled amount is resulting in two lates on my otherwise exceptional credit profile with the three main bureaus - XXXX, XXXX and XXXX. I have written three letters to XXXX explaining the above and requesting the deletion of the XXXX and XX/XX/XXXX late remarks and charge-off status remarks that are presenting on my credit profile, so that the account reflects my flawless payment history with XXXX. XXXX has yet to answer my request, even though my first letter was overnighted to them on XX/XX/XXXX. As it stands, the credit profile deceivingly appears as if car lease payments were actually late, which they never were, and XXXX XXXX reporting does not adhere to the Fair Credit Reporting Act that demands accurate reporting. When I returned the vehicle, I inquired if we were all done and I was told that we were all finished without any indication of a future invoice from XXXX. In the lease, it does say that a disposition fee will be collected upon return of the vehicle ; since I wasn't asked for the fee when I returned the vehicle, I understood that the fee had been absorbed during the life of the lease or offset by my security deposit, which the lease delineates. I am requesting that the XXXX and XX/XX/XXXX lates be deleted from my credit profile so as to accurately reflect my perfect payment history with XXXX.
Product: Credit reporting or other personal consumer reports

Improper use of my credit. In accordance with the Fair Credit Reporting Act, this creditor violated my rights. Under 15US Code1681 Section 602, states : I have the right to privacy, 15USCode1681 Section 604A Section 2.It also states that a consumer reporting agency can not furnish a second account without my written instructions. Under 15USCode1666B, Creditors may not treat a payment on a credit card account, under an open a Consumer Credit Plan, as late for any purpose. 
This includes my XXXX XXXX, My Capital One ( Platinum ), Capital One ( Walmart ). Any that I may have missed, but posted on my credit report as late. Please clear this up. Thank you XXXX