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

I am disputing late payment with my mortgage company, XXXX XXXX. There is a 30-day late payment for XX/XX/2022 on all three credit bureaus. I have confirmed with my mortgage company the payment was not late ; however, I have called several times, and my credit report has not been updated. I want the late payment to be reversed to ok or paid as agreed. 

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 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) 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 shalli ) 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 16815-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last few YEARS I have told all three credit bureaus and the credit agency that the information for these accounts is false. They keep saying do a dispute and then I do and they never correct it. In XXXX 2016 I was the regional property manager for apartments in XXXX KY. XXXX ( cable and internet provider ) wanted our business. My property managers all decided to give them a try. Because I was the regional I had to give it the okay. They put it as a personal account instead of a corporate. They have me under XXXX XXXX. And they are charging me several different bills for this corporate account I have tried repeatedly to have this fixed but to no avail. And they have the wrong dates on my credit report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion and XXXX to dispute inaccurate inquiries on my credit report on XX/XX/2021. I have yet to receive a response from both credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN INC CONSUMER REPORTING SERVICE IS REPORTING A FRAUDULENT RETAIL ACCOUNT IN MY NAME CURRENTLY. 
THIS IS A VIOLATION OF THE FCRA RULES.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX Capital One XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Virginia XXXX XXXX : Account number : XXXX To Whom It May Concern, This letter is a formal dispute and request to remove late payments from my credit report. The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear. I have outlined it below : Section 623 ( a ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information. My research has found this notice is typically found on monthly statements, however : 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative information ( E ) Use of notice without submitting negative information No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency.

Additionally, FTC Advisory Opinion to Harris ( 03-22-99 ) states : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. This opinion goes on to address the reporting of late payments stating this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct.As you can see the law and FTC opinion state that you, the furnisher, are NOT legally bound to report negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of late payments. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
Product: Mortgage

This mortgage was in forbearance due to COVID 19. When my financial hardship ended and at the end of the forbearance period, this company refused to offer any kind of work out solution other than pay back all the missed payments. I have called them more than XXXX times and sent them ( at their request ) over XXXX pages of documents. They never return my calls. I resumed sending them monthly payments, which they refused. Their latest letter says among other things, " we have the right to invoke foreclosure based upon the terms of your mortgage contract ''. And, " We were unable to complete the evaluation of your loan because we did not receive all of the required documents. '' I've have sent them the all the documents they have ever requested many multiple times by way of email and regular mail. I can't decide if they are trying to steal my house, or are just totally incompetent. I have attempted to refinance the property through a different more competent lending institution. However, since they have been reporting me late to the credit agencies, my credit score has dropped 100 points and now I'm not able to get a new loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF VETERANS AFFAIRS DEPT OF VETERANS AFFAIRS XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contr
act with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 Charged off Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I have a Chase Freedom Flex credit card. Chase advertised on the application page and benefits guide that the card has Cell Phone Protection, which is an insurance that covers " up to {$800.00} per claim and {$1000.00} per year in cell phone protection against covered theft or damage. '' Recently, my phone was damaged, and I had it repaired for {$290.00}, knowing that it is covered by the insurance as I checked the benefit guide online in advance. However, when I tried to file a claim, I was told that the cell phone protection benefit had been discontinued. I contacted Chase, but after several rounds of phone calls with the Customer Services and Benefit Administrator, the issue could not be resolved.
Product: Credit reporting or other personal consumer reports

My information was compromised and my identity was stolen since then I have too many reviews in my report which I do not recognize since they are fraudulent. And trying to solve this problem with the companies and they don't give me an answer even in writing. 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
Product: Credit card or prepaid card

On XX/XX/XXXX my sister went to XXXX XXXX mall after we went out for lunch around XXXX I had my shopyourway mastercard in my pocket when I went to the mall but when I shopped at sears I realized it was gone so i figure and the card could be in my shopping bag when or slipped out so sear was able to let me use my card with my SSI and Id card so I after I was done I went to back track to see if I left it in a store but no one claim to have it so I received a notification on my phone that it was a fruadlent charges being made on my card someone went to XXXX XXXX  and tried to spend {$690.00} and they also went to XXXX and actually spent {$71.00} and that'a store I can't wear anything in im plus size woman and XXXX these were KIDS look at these charges XX/XX/XXXXXXXX XXXX  XXXX XXXX IL XXXX {$3.00}, XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX IL XXXX {$7.00} XX/XX/XXXXXXXX XXXX # XXXX XXXX XXXX IL XXXX {$71.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX {$6.00} XXXX, XX/XX/XXXXXXXX XXXX  XXXX XXXX IL XXXX {$3.00} XX/XX/XXXXXXXX, XXXX XXXX  XXXX {$29.00} XX/XX/XXXXXXXX XXXX  - XXXX XXXX  XXXX XXXX IL XXXX {$4.00} XX/XX/XXXXXXXX 'S XXXX  XXXX XXXX IL XXXX {$6.00} And they were dismissive and rude towards me I have reached out twice and they are still accusing me of this crime and I refuse to pay for someone elses crime espeacially during this covid 19 pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been submitting disputes with this company since XX/XX/2020 only to be ignored over and over again. I've sent police reports as well as identity theft documents supporting my claims and this company chooses to ignore my disputes. This company is in complete violation of the fair credit reporting act and doesn't seem to care cause they are not held accountable for their actions. I've been emotional and financially scarred from this. I've been denied shelter for me and my family do to the negetive effects this has on my credit. I've been involved in XXXX  's recent data breach as well. This company has not explain in detail how has it " verified '' this inaccuracies.
Product: Money transfer, virtual currency, or money service

This issue has been ongoing for almost XXXX years. It is too long to state here so I have included the complete explanation in an attached file. 
I also have many, many copies of bank statements, bills showing fees and interest I had to pay, and letters from XXXX. 
I can not seem to be able to attach all of those here so please can you contact me if you need these documents?
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against XXXX XXXX and Citibank N.A., doing business as XXXX XXXX XXXX, for repeated and unauthorized access to my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b and 1681s-2. Between XXXX XXXX XXXX XXXX XXXX CitibankXXXX XXXX XXXX made approximately 20 unauthorized soft inquiries on my credit report without my knowledge, consent, or any permissible purpose under federal law. These unauthorized pulls are clearly documented on my consumer disclosures. I disputed these inquiries directly with both XXXX and Citibank. XXXX failed to conduct a proper reinvestigation under 1681i, and Citibank falsely denied having made the inquiries despite the documented entries. Both parties are now liable for willful and negligent violations of federal law. As a result of this misconduct, I have suffered damages including stress, confusion, time loss, and increased scrutiny from creditors. This conduct is not only unlawful but repeated and blatant. I am demanding : Immediate deletion of all unauthorized inquiries from my XXXX  credit file ; A monetary resolution of {$20000.00} pursuant to 15 U.S.C. 1681n, based on willful violations ; Written confirmation from both XXXX  and Citibank that no further unauthorized access will occur. I am prepared to initiate legal action if this matter is not resolved immediately. I request that the CFPB investigate these repeated violations and assist in obtaining full relief as provided by law.
Product: Mortgage

When my home owners insurance went up so did the mortgage. I live on a fixed income, which is SSI money check for {$910.00}. I live alone even though the house is also in my ex wife 's name also. Even though I had to borrow money to pay {$3400.00} that I did not have to pay ahead of time and payed them that money so that they can stop harassing me all the the time, they still did harass me. I thought that with this money I would get them off my back and that I would it would help for me to fix the house. They are not budging and still making me pay more of the mortgage and it's default me because of this. I can not pay them aby more than I have to plus pay my lender of the {$3400.00} back at the same time. I was bot obligated to pay that much ahead of time only did so so that I can pay less by just paying the principal and made a big mistake by giving these people the money ahead of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

IpaidmyloaninfullhoweverIwasstillreportedasbeinglateonmypaymentsthecreditorhasremovedthisinformationhoweverXXXXcreditbureaushaverefusedtoupdatethecorrectinformation...
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public during the Equifax, XXXX, and 2024 data breaches. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously and PERMANENTLY.
Product: Checking or savings account

I have a joint account with my son. On XX/XX/XXXX he made a mobile deposit for {$820.00}. He thought the deposit did not go through accurately so he took the check to the ATM and deposited the same check. Wells Fargo decided to reject both transactions. The bank then sent a letter and copy of the check back to me. On XX/XX/XXXX I took the copy of the check back to the bank. The teller and branch manager proceeded to tell me that the check was valid and thus, they deposited the check. Then on XX/XX/XXXX, Wells Fargo rejected the deposit again. I was told I had to go back to the maker to get a new check. However, the maker claims that Wells Fargo cashed the check and thus will not provide a new check. Consequently, I am still out {$820.00} and Wells Fargo refuses to return my money. What recourse do I have? Clearly Wells Fargo stills has my money but refuses to reimburse me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX ... XXXX XXXX XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Montgomery Wards has no account affiliated with my name. They can not offer me any information. They are reporting negative payment history since 2019 and it is damaging my credit report. After my dispute a NEW ACCOUNT was opened without my knowledge!! I called and demanded that they close it immediately and DELETE THE PAST DEROGATORY REPORTS TO ALL ( 3 ) CREDIT REPORTING AGENCIES> they have NOT done this. I have disputed with all ( 3 ) Credit Reporting Agencies, only to have it show : " Updated and Accurate '' but when I call Montgomery Wards they were not able to pull up an account associate with my NAME or Social Security number. Nothing. Yet, it appears on my credit reports?? Then a few months after my disputes, a NEW ACCOUNT OPENED with Montgomery Wards with a credit limit of {$850.00}!!!!! Without my consent. I called and told them to close that account immediately. This makes me wonder about our Credit reporting agencies really doing their job with investigations and accuracies and PROOF OF DEBT
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed multiple closed accounts still reporting as revolving and CO each month as these accounts have been settled and closed. Inaccurately reporting settled date of accounts.
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. 

XXXX XXXXXXXX XXXX  XXXX : # XXXX, Original creditor : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX 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 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: Debt collection

FMA Alliance attempting to collect more money than creditor issued to this debt collector. FMA refused to provide information on the alleged debt.

Creditor also contacted FMA and FMA refused to discuss to creditor.

Additionally FMA managers were verbally abusive to parent of minor that debt was supposedly issued against.
Product: Mortgage

I am filing a complaint against the servicer of my FHA mortgage loan Penny Mac. I believe that Penny Mac has not properly handled my loan and denied me access to distressed homeowner programs that may be able to help me. Due to their mishandling of my loan I am now facing a foreclosure sale date of XXXX/XXXX/XXXX. You see, I had been in active review for loan modification with XXXX XXXX XXXX and was in the underwriting phase of the review when my loan was sold to Penny Mac. I was informed that Penny Mac would pick up where XXXX XXXX XXXX had left off and complete the review. However, this was not the case. Since that time I have been in limbo as I attempt to make progress with Penny Mac in order to save my home. I have an FHA mortgage loan which is insured by the government and backed by HUD. I have been told that Penny Mac is required to complete a review for all available programs when dealing with a borrower with an FHA loan, but this has not happened. <P/>I had a good job working as an XXXX for the last 15 years until I XXXX XXXX XXXX XXXX XXXX. Due to complications from this accident I have been unable to go back to work. This caused me to fall delinquent on my mortgage payment. I reached out to XXXX XXXX XXXX ( who held the loan at that time in XX/XX/XXXX ) in order to initiate a review. After many months of exchanging paperwork they finally put me into review for assistance options. My review had progressed to underwriting when the loan was sold to Penny Mac. I have tried repeatedly to engage with Penny Mac in order to get an active review moving. However, Penny Mac has continually transferred me from department to departmenthas changed my point of contact 4 or 5 times in a matter of a few months and has never actually reviewed my current financial information in order to determine what options are available to resolve this matter and instead set a sale date. <P/>While awaiting my XXXX hearing I have brought in a renter and my XXXX daughters that live with me are contributing as well to help make ends meet. I believe that if Penny Mac were to actually review my current situation they would realize that this is a true and legitimate hardship and that I qualify for assistance. I know that FHA loans have options such as loan modification, forbearance agreement, partial claim, repayment plan or restructured loan. I also know that there are government programs for people who are temporarily unemployed or out of work awaiting unemployment awards or disability awards. My question is why hasnt Penny Mac opened a review for any of these programs???? <P/>I am asking for the opportunity to resolve this issue with Penny Mac. I have owned my house for 20 years and always paid on time until I was XXXX. Once I begin to receive my XXXX XXXX I will have no problem making my loan paymentsI just need to address the missed payments and the current situation with the lower income. I believe that Penny Mac is not doing the things they are supposed to do to help me, and wanted to file this complaint against them
Product: Mortgage

Lakeview Loan Servicing LLC ( XXXX ) had a security breach in XXXX, 2023 that resulted in all systems being shut down. 

Upon calling the company to update payment information, I was told that all we can do is log your call. 

Then systems went online again around XX/XX/2023. On XX/XX/2023, I attempted to update my bank account information again. 

The online payment service will not allow me to use XXXX XXXX  ( Routing # = XXXX ). This is highly inconvenient because this bank works with XXXX, a property management software. 

XXXX setup a payment method via XXXX Bank, and I attempted to make a payment, only to be told that something went wrong. Please try again later. 

I then tried again later and got the same message. 

I attempted to call Lakeview during business hours, but no matter what extension I used, Lakeview stated that its [ employees were not available ]. 

I tried to make payment through the telephone payment service ( Using Thread Bank Account ), but this payment attempt failed. 

I am being forced to default on a mortgage payment because this Loan Servicer cant get their act together. 

Please help.