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

To Whom It May Concern : I have a loan with C4C for an HVAC System. The loan # is XXXX. I spoke with two people who swear up and down that it's against the law to update my credit correctly. I made ALL my payments early ... The loan amount is {$180.00}. I use online banking. When you use online banking, it saves your information and the next month it prompts you and says the last payment that was sent out and do you want to use this same information? It went from {$180.00} to {$180.00} I have no idea how that might have happened accept a typo which is a banking error since my checks started off at {$180.00} and then changed. 

In XXXX through their website I sent an electronic message and asked why I was being charged a late fee. No response was sent. This could have solved everything. 

Creditors have broad discretion and it is not illegal as stated by them to not mark late a payment that was short according to legislation enacted by our president. 

Sometime in the course of the payment there was s typo of -XXXX  cents and while these tow individuals say I received notices and say the almost identical thing word for word ... I simply did not get notices. If I were to receive a notice I would have corrected the XXXX cents difference. Let me ask a logical question ... Who pays early & then purposely shorts their loan XXXX cents? Does anyone believe that this realistic? Where is the proof these letters were sent? They have not provided me with any and simply stating an address isn't proof. When I noticed the shortage I sent XXXX cents which is more than was short so I was paid in full. I will attach all my payment history. 

As far as the law, we are in the middle of a pandemic as everyone else is I am affected by this pandemic and President Trump has  enacted laws stating if you pay a partial payment during this time ... you will NOT be marked late. 

I paid on time, I paid early and I was XXXX cents..Which I was told they have funds and they cover people in this manner, why during the middle of a pandemic was I not covered and notified. Now my credit took a huge hit because of their deliberate actions stating the law does not allow them to do this. The law in fact states the opposite per the President of the United States emergency declarationCOVID-19 national emergency declared by President Trump on March 13, 2020. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( II ). and by the 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ( i ) ( I ). If a furnisher  makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, then the furnisher shall report the credit obligation or account as current.

I want my credit restored ASAP as per this law. 

Thank You, XXXX XXXX
Product: Debt collection

I have disputed with LJ Ross Associates about the inaccurate entry that is reflecting on my credit report ( see attached documentation ). In my initial review and finding of this reflected entry, I submitted a dispute to LJ Ross Associates. on XX/XX/2018 and XX/XX/2018 via certified mail. Within my dispute ( see attached ), I specifically requested that they provide an agreement with signature of alleged debtor wherin he/she agreed to pay the creditor, date this alleged debt became payable, original delinquency date, verification that the debt was assigned or sold to collector as well as a complete accounting of alleged debt. LJ Ross Associates did not oblige. LJ Ross Associates letter, ( see attached ), dated XX/XX/2018 does not provide any substantial evidence to support the veracity in their reporting.Since LJ Ross Associates is unable to provide supporting documentation for this inaccurate, unverifiable entry, it must be deleted from my file immediately.
Product: Credit card

I opened an online PayPal Credit Account with PayPal Credit purchasing a laptop and printer in XXXX. Thereafter, I set up an online account to make payments online. In approximately XXXX, I requested that the account be closed and continued to try to pay account until I could get it to a XXXX balance. My payments were due on the XXXX of each month. As a Teacher, I requested that PayPal change my due date to the end of the month, which corresponds to my pay date so as not to incur late fees. PayPal has not complied, I also requested that my contact information be updated on XX/XX/XXXX so that I can continue to make online payments through my computer or cellphone. PayPal has limited access to my online account, by not updating contact information which prohibits me from making payments on the same day. Instead, they mailed me a statement to pay on the account which would take longer to get to them thereby incurring additional late fees. The account has been reported negatively to the Credit Bureau thereby negatively impacting my Credit Score. I have made repeated attempts to talk to : PayPal Credit/SYNCB XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX no avail. At this rate, my account is impossible to pay off. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return Sincerely, XXXX XXXX XXXX
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 XXXX. 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Experian Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


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

MY NAME IS XXXX XXXX XXXX DOB XX/XX/XXXX SS # XXXX XXXX XXXX todays date XXXX I recently looked at my credit report and I noticed you are reporting. ACCOUNT NAME XXXX XXXX XXXX ACCOUNT # XXXX This account THIS WHOLE ACCOUNT MUST BE DELETED I did not authorize this account as I did a FULL INVESTIGATION OF MY REPORT this account is a fraud account! I have previously disputed late payments because I thought this account was mine, but this ACCOUNT is not mine. 

MY NAME IS XXXX XXXX XXXX DOB XX/XX/XXXX SS # XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX ny XXXX Todays date XX/XX/XXXX I have I have recently disputed this account it was updated but my request was to DELETE ACCOUNT NAME XXXX XXXX XXXX ACCOUNT # XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION 15 USC 1681B - PERMISSIBLE PURPOSE Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet. DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT IT HAS BEEN ALMOST BASICALLY 30 days. THE CREDIT BUREAUS AND ACCOUNT NAME XXXX XXXX XXXX ACCOUNT # XXXX IS IN VIOLATION OF THE FAIR CARES ACT LAW. This account was NEVER opened by me Iam a FEDERALLY PROTECTED CONSUMER of the USA as a consumer I demand this account to be DELETED PERMANENTLY ASAP. I have already mad an identity theft claim thank you.
Product: Debt collection

opened on XX/XX/XXXX. account was paid in full ( {$200.00} ) .spoke to personal by phone to have it removed from credit report XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 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 information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX received my 623 letter request on XX/XX/ via USPS Certified Tracking Number XXXX. 

XXXX XXXX DID NOT respond in the 30 day time frame to my letter, which results in a FCRA violation, which they are continuing to report false information.
Product: Debt collection

Collection Agency : Portfolio Recovery Associates,  LLC Acct : XXXX Case : XXXX Portfolio could not legally prove they were the legal owners of this so-called debt. So legal proceedings they were pursuing against me were dismissed " WITH '' prejudice. 

Portfolio Recovery Associates replaced the first page of the Court Order to " dismissed WITHOUT prejudice '' After I signed the ORDER and returned it to them for filing with the courts. I was able to prove their deception and it was corrected with the courts to show dismissed " WITH '' prejudice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient reported to the Credit Bureau incorrect information. They  reported 2 late payments - XXXX and XX/XX/2018 creating a " 90 day past due '' when in fact both payments were electronically made. I have reported to both Navient and the Credit Bureau several times and still remains unresolved. This affected my credit score significantly, bringing it from high 780 's score to low 600 's ( from Very Good to Fair credit ). Totally  unfair to say the least.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
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 XXXX, XXXX XXXX or Equifax 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 national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. 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 email address. Thank you.
Product: Mortgage

My name is XXXX XXXX, I am a retireted XXXX XXXX XXXX veteran that thie country 24 years. I have owned my home about 7 and half years and i have dealt with many banks before this one. An I never had any problem paying my motgage payment on time until now. i have just re-finance home 6 months ago. At first dealing wit freedom mortgage i requested to direct -deposit they said no ; in which i thought it was odd not to do this because i thought every bank want their right -o-way but they did not want to. So. freedom mortgagae {$15.00} plus the {$1500.00} I KNEWW they were crooked my thoughts this bank is about taking consumers money. NOT HELPING or providing any care but to steal, take foreclose your house.I tiry using the computer and I USED THE computer every time I LOG IN the computer would asked a pass word and then it would not allow me in so the system was not computer friendly.XX/XX/XXXX I sent my payment on this day by mail. Freedom Mortgage did cash my payment until XX/XX/XXXX. Now, I expected the to there XX/XX/XXXX. and it should have, because it does not take 3weeks to cash a check. Something is wrong, I beleive they trying sabotgae my by forecloseure and discredit me and dissrtess me This is worst bank in the world. and i like deal with another bank,.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting lates on my mortgage that are erroneous. I paid this off in XX/XX/2018 and it is no longer reporting a balance, yet it still continued to add lates and report them to my credit. I need this removed as it is effecting my credit and the lates are erroneous and in violation.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against EQUIFAX for their failure to remove fraudulent accounts from my credit report as required by law.

I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ) as evidence. The credit bureau acknowledged my dispute but has not complied with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 
Despite my initial request for the blocking of these fraudulent items, the following accounts remain on my credit report : XXXX ( Accout Number XXXX ) XXXX ( Account Number : XXXX ) 15 U.S.C. 1681i ( 7 ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this required information.

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Verification Requirement : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( s ). Without such verification, there is a risk that erroneous or fraudulent information could be included in credit reports. Given the lack of adequate verification, I request the removal of this unauthorized public record information.

Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information.

Failure to Investigate Accurately ( 15 U.S. Code 1681i ) : After submitting a dispute regarding inaccuracies on my credit report, I did not receive a thorough investigation within the mandated 30-day timeframe. The results of the investigation did not adequately address my concerns.

According to 15 U.S.C. 1681c-2, credit reporting agencies are required to block disputed information identified as resulting from identity theft within four business days of receiving a valid identity theft report. Additionally, under 15 U.S.C. 609 ( a ) ( 2 ) and 1681i ( 7 ), any unverifiable or inaccurate information must be removed from my credit report.

Inadequate Compliance Procedures ( 15 U.S. Code 1681e ( b ) ) : The bureau has not demonstrated that it has implemented reasonable procedures to ensure the accuracy and completeness of the information provided on my report. I am requesting detailed information on the procedures used during the investigation.

I demand that the CFPB investigate this matter and take appropriate action to ensure that these fraudulent accounts are deleted from my credit report. I expect a prompt resolution to this issue and would appreciate any guidance you can provide regarding my rights in this matter.

Thank you for your attention to this urgent issue. 
Sincerely, XXXX XXXX
Product: Mortgage

Originally, I had good credit that afforded me, my husband and son the opportunity to become first-time homeowners in XXXX. Prior to divorcing my husband in XXXX XXXX, I refinanced XXXX XXXX to buy him out of the property and to get his name off of the deed. While in an adjustable arm, I began to experience financial hardship and refinanced again XXXX XXXX and ended up putting all of my equity in my home making bi-monthly payments to bring my loan down from {$230000.00} to {$210.00}, XXXX. Eventually I was assisted by an attorney ( XXXX XXXX ) to apply for a modification which took my payments from {$1600.00} to {$1200.00}. After waiting 33 months to be modified by BOA ( XXXX XXXX XXXX ) I received a savings of {$100.00} instead of the original savings of {$350.00} per month. I believe at some point during another review of required documents submitted again XXXX XXXX, my income as a XXXX was inflated and calculated incorrectly. Not understanding how this could happen after BOA foreclosed on my property while still in a work-out process, the foreclosure was rescinded upon the banks error as long as I accepted and their in-house modification with new monthly payments of {$1500.00}. From XXXX, it was difficult to keep up with payments, so I was encouraged to put my home up for Short Sale which was approved by the bank XXXX XXXX. After several weeks of no activity, my realtor was asked by a new negotiator to submit and upload additional docs to XXXX. In doing so, my realtor obtained documents from BOA that I was approved for a Short Sale process again on XXXX XXXX, XXXX and we had 14 days to submit any requested documents. Not informed by my realtor of a foreclosure date and following professional advice not to make payments during the process, my home went into foreclosure the very next day on XXXX XXXX, XXXX. I am made aware of the foreclosure by the office of XXXX XXXX. XXXX in a letter dated XXXX XXXX, XXXX and told I need to vacate my property. With no where to go and not sure of my options, I was pleased when my realtor was asked if I wanted to keep my property. I responded yes and have been back-and-forth contacting Bank of America while sending correspondence to a representative of XXXX XXXX and the Law Office of XXXX XXXX. XXXX to obtain a fore-closure rescission. After seeking legal advice Fri. XXXX & XXXX, I discovered that I should have been approved years ago for a HAMP because I qualified based on federal guidelines. Yesterday, evening XXXX/XXXX/XXXX, I received a random phone call from the XXXX XXXX XXXX XXXX XXXX ( XXXX ) and the intake representative advised me to file a complaint through this website because I appear to be a victim of unfair practices and deserve a proper modification.
Product: Credit card

After having my account open for over a year it was canceled because they stated that I had XXXX accounts open under different names. I was told in order to reactivate my account I would simply need to fax my social security card and drivers license. I also provided my divorce decree to explain that my maiden name. I was told it would take a week to review the documentation provided and someone would call me with a decision. I waited over a week and called. Each person I have talked to since then has provided different excuse for why my account has yet to be reactivated.
Product: Debt collection

I signed up with a company that helps people pay debts. I didnt know about this debt until I recently had my credit report pulled. I have not received any information to verify the debt. When I call I can never get anyone to answer the phone so that I can pay on the debt. The company I signed up with for debt consolidation cant get in contact with them. From the reviews of the website Im not the only person who has issues trying to pay on their debts. If it is mine I will pay it. Ive tried for 2 months to get information and I cant get information because no one answers the phone. I get phone calls threatening a lawsuit but I havent been served yet. I was trying to avoid a lawsuit but now Im just fed up.
Product: Debt collection

I.C System inc. is in violation of USC 1692b. ( 5 ), violation of 15 USC 1692b. ( 2 ), violation of 15 USC 1692d and violation of 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

1st Franklin Financial has a hard pull on my credit report when in fact I have never applied for a loan with them. The hard pull shows on my XXXX Credit Report which shows a fair credit rating because of this and does not show on my XXXX Credit Report which shows a good credit rating.
Product: Student loan

I made a request to my loan servicer, MOHELA, on or around XX/XX/XXXX for a refund of all loan payments made since XX/XX/XXXX under the CARES Act. MOHELA was not able to give me the number or amounts of transactions, or a timeline for the refund to be processed. As of XX/XX/XXXX, no changes have been made to my account balance nor has any refund been received. No communication regarding my refund status has been received. A call made to MOHELA on XX/XX/XXXX to request an update on my refund request was refused by MOHELA 's automated answering system. No means of contacting a service representative is otherwise provided.
Product: Vehicle loan or lease

I been dealing with this for yours the dealership stated I traded Im car which I didnt when I say the paper work Im not sure how they got that information. I traded my car with a different dealership as well they had a job listed as a car wash worker which Im not. I never had payments. Been fighting with this company I called to see if I can get it off my report they told me no. I traded my vehicle in XXXX and purchased a XXXX XXXX XXXX