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

Im writing to address a serious issue regarding the reporting of my mortgage account ( Account Number : XXXX ). Its been brought to my attention that my payments for several months are inaccurately showing as late, when in fact, Ive always paid on time. 

Specifically, the following months : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> should all be marked as OK or Paid as Agreed. There is no excuse for these mistakes, and they need to be corrected immediately. 

The fact that these late payments are showing on my report is not only incorrect but also a violation of my rights under federal law. To be clear : 15 U.S.C. 1681a-2 requires that credit reporting agencies ensure the accuracy of the information they report. These inaccurate late payments are a direct violation of that law.

Under 15 U.S.C. 1681c-2, I am entitled to have these inaccuracies investigated and removed within 30 days. You have had more than enough time to address this, and I expect it to be corrected immediately.

15 U.S.C. 1681b holds you accountable for reporting only accurate information. Its clear that my payments were on time, and your failure to reflect that is both negligent and unlawful.

At this point, theres no more room for error. I expect you to update the records to show that I made timely payments, as I always have, and remove any references to missed or late payments from my credit report.

If this is not corrected immediately, I will be filing complaints with the FTC, CFPB, and pursuing legal action for failing to comply with the law. Im giving you 5 business days to get this fixed.

I expect written confirmation of the correction within 4 days. This issue needs to be resolved, and I will not accept anything less than the accurate reporting of my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX 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 a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint today XX/XX/2019 because Equifax has ignored my post marked and USPS Tracking verified request received on XX/XX/2019 to provided me with the documents that their company has on file that were used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank You.
Product: Mortgage

I had applied for a home loan in beginning of XXXX. I was assured that I was going to get a Mortage Rate of 3.625 % on the phone with XXXX XXXX from WellsFargo XXXXXXXX XXXX XXXXXXXX. He assured me no matter what the rate goes up to, I would be getting this rate as long as I complete the application with him today. I completed the application with him on XX/XX/2022 on the phone. Everything was submitted that day. I even submitted the comparator Loan estimate from another company to match the rate. I was assured as long as I submit the comparator loan estimate, I would get that rate with no questions asked. Then the first loan estimate I received from Wells Fargo had a larger mortgage rate than what I was told and considerable more in Loan points to buy down the rate. There was also a mention of Lender credit of {$3500.00} that was entered incorrectly as a Seller credit to confuse me to think that I am getting a credit. 
I asked Wells Fargo to switch the mortgage consultant from XXXX to another person because I was not getting a timely response to my questions. The second mortgage consultant was XXXX XXXX XXXX. XXXX XXXX XXXXXXXX. 

When I inquired further, Wells Fargo told me the credit was no longer available even though I was promised by XXXX they would match the comparator loan estimate including the lender credit of {$3500.00}. At this time I needed to speak with the Manager of Both XXXX and XXXX who is XXXX XXXX XXXX ID XXXX. I was not able to resolve the issue which is the false information I was given to sign up for a loan when I could have spent my time with other mortgage lenders. This has resulted in lost time and unnecessary credit checks done on my account. I want Wells Fargo to honor what they had said in the beginning on XX/XX/XXXX about giving me a loan at 3.625 % with no points and a lender credit of {$3500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX XXXX XXXX, XXXX XXXX hard inquiry on XX/XX/22, has violated my rights.

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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN 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 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.

EXPERIAN 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: Mortgage

Started in XXXX when I started to fall behind. I got in touch with my mortgage company, to see what my options where. They sent out a package, was told to fill it out. This has been an ongoing issue. I feel like they haven't been incompliance with the USDA loan guide lines. They would make our payments high to where we couldn't pay. We where told we couldn't make a payment in that they would not expect it. So from XXXX to XXXX we have been filling out modified package to keep our house. The lady today XX/XX/XXXX that we have limited access to our account, so if that's the case how am I supposed to know what is going on. I have been in contact with the XXXX XXXX from the # XXXX hope they advised me that my mortgage company was/is supposed to let me know what options there are for me with help on my mortgage. They have not. We are on a active forbances and they are not supposed to be processing paperwork untill its over. The lady said today once they get the rest of the paperwork then they can finish processing everything. She said we are in an active forcloser and we are not supposed to be.they are not following USDA loan guide lines.
Product: Mortgage

My home was in Default my servicer is PNC Bank i was behine 12 months my house was headed for auction i finley caught up with the payment before that happen i had an agreement with them for all of the fees inclueded late fees lawyer fees all of the adminstrion fee which came out to be XXXX that was suposed to be the full amount in in clueding everything to bring my account current after i went to XXXX XXXX XXXXXXXX XXXX got a cashier check sent them the total amount and after i made the XXXX payment said that i own a XXXXIf i own the extra amount have been in clueding in the restatment i ask serval time whats the total amount which i would sent that to them not after the. 
Im not going to pay those fee if i dont get this resoved will seek an lawyer.Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE THE ATTACHED INFORMATION!! 
XXXX, EQUIFAX, AND XXXX I NEED TO KNOW YOU ARE GETTNG YOUR REPORTING INFORMATION FROM. PER XXXX XXXX WITH XXXX XXXX  YOU ALL ARE THE PROBLEM
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX MO XXXX ) XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit reporting or other personal consumer reports

Companies Reporting the Incorrect Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) [ Any other incorrect accounts ] Account Number ( s ) ( Last 4 Digits from Credit Report ) : [ List the last four digits of each incorrect account ] Balance ( XXXX ) & Status : XXXX XXXX : Incorrectly listed as a past-due or closed account XXXX XXXX XXXX {$2600.00} Incorrect account affecting credit usage XXXX XXXX  XXXX XXXX {$40000.00} Fraudulent high-balance account XXXX  XXXX : {$7000.00} Incorrect open collection account [ Other incorrectly reported accounts ] Complaint Details : I am disputing multiple accounts that have been incorrectly reported on my credit report. These accounts do not belong to me and appear to have been mistakenly linked to my credit file due to a name similarity issue with another individual. 

I have no contractual obligation to these debts, and I have never opened or authorized these accounts. Despite disputing with the credit bureaus, these errors have not been corrected, and they continue to harm my credit standing. 

Steps I Have Taken to Resolve This Issue : Disputed these accounts directly with Experian, Equifax, and TransUnion, requesting an investigation.

Contacted the companies reporting these accounts, but they have not provided sufficient verification or removed the accounts.

Provided identity verification documentation ( such as government ID and proof of address ) to demonstrate that I am not the individual responsible for these accounts.

These errors are causing severe harm to my credit profile, and I demand an immediate correction.

Legal Violations : These companies are in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) for the following reasons : Failure to ensure accuracy in credit reporting ( FCRA, 15 U.S.C. 1681e ( b ) ) Credit reporting agencies must have procedures to ensure that information is correctly attributed to the right consumer.

Failure to conduct a reasonable investigation upon dispute ( FCRA, 15 U.S.C. 1681i ) Once I disputed these accounts, they should have verified the information properly or deleted them.

Attempting to collect a debt from the wrong person ( FDCPA, 15 U.S.C. 1692e ) If a debt collector is attempting to collect these debts from me, they are violating laws against false or misleading representations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to XXXX to request my reportdsince you can only now get charged for reports on XXXX, Experian, and XXXX site. 
Provide an excessive amount of personal information, far more than I have ever had to provide in past years. 
Then, in order, each agency throws up some bogus info indicating their site is down, they can't recognize me, or I need to make my request through the mail. 
I when through the process several times and got differing messages from each agency each time. ( I saved screenshots. ) Unless this site has been hijacked, it appears the agencies will do anything to get me to pay to view my reports in violation of federal law.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Debt collection

Hello, There were two cases against me and I was not served properly. I was not even served at all. XXXX and XXXX are the cases. They were given default judgements against me. I didn't know about this until XX/XX/2018 when they attempted wage garnishment. I went to court for that and it was dismissed. According to a case against the owners of the trust suing me, they are not allowed for further action even though there were judgements. It is XXXX XXXX XXXX XXXX and XXXX. There was a class action lawsuit against them and they have to comply with the consent order. 

Case reference : XXXX XXXX   XXXX I was told to contact the cfpb and start the process of getting these judgements looked at.
Product: Payday loan, title loan, or personal loan

i am a XXXX. some one has been using my info fraudulently
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable informat
ion ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

In recent months, I have diligently sought the removal of inaccurate information from my credit report, a request that another credit reporting agency acknowledged, verified as inaccurate, and subsequently rectified. Regrettably, your lack of response, or responses that I deem frivolous, reflect a disregard for FCRA regulations and my request for verification. 

To afford you the opportunity to rectify these discrepancies and comply with FCRA regulations, I am extending one final chance for you to correct the errors and update my records. Specifically, I request the prompt attention to and resolution of the following account details within the next 30 days : Account Information : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report for the following XXXX XXXX accounts. I have identified discrepancies that violate XXXX XXXX compliance standards and request your prompt attention to correct them. 
XXXX. XXXX XXXX Account ( XXXX ) : The high balance is reported as {$XXXX} in some bureaus and {$XXXX} in others. This inconsistency must be corrected. 
The date of last activity is not uniform across the reports and must be aligned. 
Late payment history ( e.g., XXXX, 60 days late ) should be reviewed and corrected to ensure accuracy and consistency. 
XXXX. XXXX XXXX Account ( XXXX ) : The high balance is reported as {$XXXX} in XXXX bureau and {$XXXX} in others. Please investigate and correct this discrepancy. 
The late payment status differs across the bureaus. Please ensure it is consistent and accurate. 
Comments regarding dispute resolution are inconsistent and should accurately reflect the current account status.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$6000.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX BANK XXXX XXXX ) XXXX Balance : {$770.00} ; XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX CT XXXX, MI XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed information on Credit Report with XXXX and Experian. They are both reporting late payment history on collection accounts, there are several accounts that have exceeded the statute of limitations that are still reporting and need to be be removed as per the FCRA. I have sent several dispute letters and the information isnt being investigated/ and or removed. Its frustrating because Ive done it repeatedly and the same accounts remain. Not to mention to personal information that doesnt even belong to me.
Product: Debt collection

I received a letter in the mail from " One Advantage '' stating that I owe an alleged debt. I am a federally protected consumer under the United States Constitution and my consumer rights are being violated. I do not owe and debt and I demand that they cease any collections effort immediately and do not report anything to any credit reporting agency.
Product: Checking or savings account

Citibank has closed my checking account and seized my funds with no explanation or details about where my funds are - full timeline below. This is my primary account with all of my funds for my household/family and I have no access to money. 

Citibank Account Closure XXXX XXXX Saturday, XX/XX/XXXX Attempted login to Citibank received error message that account was inactive and to call Citibank hotline Called Citibank at XXXX, agent advised me that the Citibank decided to terminate my consumer banking partnership and that I would receive a letter in the mail detailing the explanation I asked for more information and details and was advised none could be given at this time and to go to a financial institution/branch for more information XXXX Call Log XX/XX/XXXX Monday XX/XX/XXXX Went to local Citibank branch in XXXX and met with personal banker, XXXX XXXX banker advised that the account was closed by the Citibank fraud department and requested his manager to come to the desk Both manager and personal banker advised that they could not give me any further details about the closure or where my funds are and that I would need to wait for a letter from Citibank to receive further information Also advised the fraud department is a separate entity from the branch and that they were unable to view details regarding my account Tuesday XX/XX/XXXX Called Citibank to check on the status of my account and closure, was transferred to the fraud department Representative from the fraud department advised that my account was closed, could not give an explanation and to wait for a letter from Citibank I repeatedly asked for an explanation and location of funds and the agent kept repeating the same statement over and over to my questions XXXX Call Log XX/XX/XXXX Monday XX/XX/XXXX Still have not received letter from Citibank Called the bank and spoke to an agent who advised me that my account has been closed by the fraud department and that I would not be receiving any of my funds as they have been considered as fraudulent by the bank Agent advised a letter would explain the decision and that I can go into a financial institution/branch to receive further information/details Agent advised it had been mailed on XX/XX/XXXX and that the account was closed Tuesday XX/XX/XXXX Still have not received letter from Citibank Called the bank and agent advised me the account was still under investigation and would not offer any further details Agent advised a letter would explain the decision and that I needed to wait for the letter which would outline all the details Called the bank a second time and requested a paper statement to be mailed, agent advised processed and advised it would be mailed in 5-7 business days Agent advised account was under investigation and may take 30-60 days, wait for any further information to be mailed from Citibank Agent advised there was an alert placed on the account that led to closure Wednesday XX/XX/XXXX Submitted complaint online with OCC Confirmation Reference Number is : XXXX Case Number # XXXX