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

I have been battling with the 3 credit bureaus, XXXX, Equifax, and XXXX since XX/XX/2023. They are reporting my accounts as late and that is incorrect. I have called them, disputed online, and sent in dispute letters, yet they fail to correct these errors on my credit report. I also contacted the creditor of the accounts to confirm their status and in fact they don't have any deliquencies on record so i dont understand why the Credit Bureaus continue to report me late on these accounts. To my knowledge these late payments are inaccurate and under 15 U.S Code 1666 ( b ) billing error, I have the right to request for removable of late payments! According to the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CANT!! This inaccurate reporting is hurting my financial well being and is totally unfair. I already have a hard time as an XXXX XXXX XXXX in this country having a bad credit report just makes things harder for me. And the information on my reports is wrong, this is clearly a billing error and a violation of the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j. I beg please hold these credit bureaus accountable for their credit reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, in XXXX XXXX County Court, Florida, XXXX XXXX XXXX XXXX case # XXXX was dismissed voluntary without prejudice ; yet, they took the initiative to use my identity and fraudulent sell this debt to FCO ( XXXX XXXX XXXXXXXX ) whom on XXXX XXXX opened this account up and reported this derogatory account to all credit report agencies. They have violated my rights numbers of times ; under 15 USC 1681 by misleading false reporting and using my identity ; 15 USC 1681 ( b ) which I never gave them written consent ; this is harassment and abuse under 15 USC 1692d ; and according to FDCPA Section 807 this violation is misleading and false reporting inaccurate reporting.
Product: Mortgage

I have contacted Freedom Mortage several times in an attempt for a repayment plan from a Covid forbearance, when I lost my job due to the closures. They offered this forbearance plan so easily with only a few clicks and no real application. I since have started work again and have more than enough to do a repayment plan for 6 or 12 months, which they say the offer. I have applied several times and they never call back and just keep sending new packets. When I ask for a call back from a manager they say the notes said they did call me back. I have no missed calls from them and no messages on my online account or on my phone. It seems like they are purposely not trying to work with me because I can afford to pay it back. The application is ridiculously long and difficult and they keep saying to do it all again. I even had a manger tell me I was approved and then never would call me back and no one can find that anywhere now. They only want to talk about foreclosure options or refinancing with them. They also blame the VA and their rules that are the issue. When I called the VA representative he stated that is not true that they do not even have a time frame for a repayment plan that according to their loan rules I could take as long as I needed as long as once I started the repayment plan it was forward progress. That there would not be a reason for refinancing unless I defaulted, after the agreed on repayment plan. I am at a loss and do not know what to do I am a XXXX XXXX XXXXXXXX veteran and dont want to lose my house or my 2.25 % APR. Please help!
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. XXXX USC 1681 section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the XXXX reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. XXXX5 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 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 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

I don`t recognize these account and inquiries, I have never applied for this. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts and sending information with required ID, Bill & SS card they are using generic auto tactics! They will not issue my credit report. They have fraud alert I never asked for at all. They are reporting debt that I dont not have being filed XXXX  XXXX Bankruptcy- they have wrong addresses my only address is XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX, My jobs are XXXX XXXX XXXX formerly XXXX XXXX  years & XXXX XXXX XXXX XXXX  year only- They have inquires from 2022 never did and reached out to fraud department no help at all! They raised my score and dropped it for NO reason at all! My score should have raised without all the debt that has been discharged!!!!!! Its always generic responses no help st all or accurate information!
Product: Credit card or prepaid card

Hello, On XX/XX/2020, I received credit cards ( in my name ) from PNC Bank and XXXX XXXX. I never held any accounts at either bank nor did I apply for any credit card with either of those banks. 

Thanks
Product: Mortgage

I 've submitted requests and financials to Ocwen Loan Servicing for a mortgage modification several times. I spoke with the relationship manager that was handling my account and he assured me my request was being processed. Ocwen foreclosed on my property during the process, I did n't receive a denial letter from Ocwen stating that my modification request was denied or they were moving forward with the sale of my property. The property foreclosure sale letter I received from the foreclosure attorney was dated XX/XX/2015 stated the foreclosure property sale would be held XX/XX/2015. It is a misdemeanor in the state of Tennessee for the mortgage company and foreclosure attorney not to give a 30 day notice prior to foreclosure. I want to keep my house. I still reside in the property.
Product: Credit reporting or other personal consumer reports

Experian is in violation of m credit rights please take action I would like to sue this company
Product: Student loan

I have the misfortune of working with NELNET as my student loan serviced, and I have not been able to view any statement that they claim to have made available on their website ( download link is broken and redirects me to home page ) I have been on hold with customer service for over an hour and a half now and call my loans say they are not due to start making payments again until next year, despite the loan forbearance being overturned a few months ago.
Product: Credit card

I've had a credit card with Capital One for at least 5 years. Since then I was given 2 additional cards due to my payment history. Last month I was presented with a letter that my accounts were being closed due to fraud. I called Capital One to inquire about this and was told because I bounced 9 checks over the past years. I'm listed as fraud, which made no sense. They payments I've made have come from my account, my fianc account who is an authorized person, and my mother -in - law who actually paid the cards off last year. I don't like that I'm being labeled as a fraud my accounts was closed and they are still asking me to pay my account, which I am using the same banking account they said I was using as fraud, which is crazy. Also, I earned reward points, which was not applied to the balance before they closed my account. I was told since this happened with one of the credit card accounts, they closed all of them. That really hurt because I worked hard to build myself up with capital one.
Product: Mortgage

Multiple missed deadlines. Claimed to be able to close the loan on several dates and all deadlines were missed. Communication was non existent between the lender and all related parties. Lender lied about when things were performed. Items that were supposedly ordered were never ordered. Calls to the lender went un-returned. XXXX XXXX the sr. Loan officer explicitly lied to seller, buyer and real estate agent. Conditions of the loan were changed from the initial conversation. Contention of conditions that could not be met went unacknowledged and were not addressed until the contract expired. The contract expired multiple times due to XXXX XXXX not working on the loan. Items that were needed for the loan were submitted multiple times due to the blatant neglect and disorganized nature of their business. The CEO was completely condescending and rude and failed to return calls and the loan was denied without merit after the contract had expired giving me no time to exercise clauses that would let me exit the loan without losing my earnest money. Had the conditions been addressed in a timely manner, I would have been able to exit the contract without penalty. I am now out XXXX $ due to the failure to perform on XXXX XXXX part.
Product: Credit reporting

I had never lived at this address before XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Credit reporting or other personal consumer reports

As of XX/XX/year> experience has emailed me their investigation of my dispute is completed. However, I am writing to dispute certain inaccuracies in my credit report, as well as a failure to comply with the provisions of the Fair Credit Reporting Act ( FCRA ). Specifically, I am challenging the following : 1. Failure to Provide Proof of Validation Documents Under Section 609 of the FCRA, I am entitled to request documentation from you to verify the accuracy of certain items on my credit report. I have previously submitted requests for proof of validation regarding specific accounts listed, and I have not received sufficient or adequate validation documents. I request that you provide proper validation as required by the FCRA for the listed items on my credit report or immediately delete them from my file. 
XXXX. Illegal Updates Instead of Deletion of Incorrect Information According to the FCRA, inaccurate, outdated, or unverifiable information should be deleted from my credit report. I have noticed that errors or items that were not appropriately verified have been updated rather than deleted, which violates the law. These errors are unlawful, and they should not remain on my credit report, regardless of any updates made. 

The inaccurate and unverifiable information negatively impacts my credit report, and I am requesting that you : Provide validation documentation as required by law. 
Immediately delete any unverifiable, inaccurate, or outdated information. 
Correct any updates that were made unlawfully, in violation of the FCRA.
Product: Debt collection

Rash curtis & associates called me this morning between XXXX and XXXX. I spoke with them and explained the situation then they called again before noon harrasing me and not letting me explain the situation saying that i did not understand the meaning of the word rhetorical. What this has to do with it i am not sure. So i disconnected the call. More than XXXX contact with me in less than 24 hrs is a violation of fdcpa
Product: Debt collection

A credit record from unknown company was reported to my collections account at XXXX XXXX, 2017. I highly suspect someone stole my identity to perform this transaction. 

Original Creditor : XXXX XXXX XXXX. 
Amount : {$430.00} Creditor information : XXXX XXXX XXXX
Product: Mortgage

1. Called Fay Servicing XX/XX/XXXX to ask " Why I was being assessed late charges? In XXXX Filed XXXX  and re-affirmed. Clerk could not answer why? transferred me to another XXXXept.

2. I requested a copy of their Accounting/Ledger records. This was on XX/XX/XXXX. Immediate response answer consisted in my email is being directed to appropriate department. Case will be reviewed and processed accordingly within 5 Business days. 

3. Paid XX/XX/XXXX Mortgage of {$620.00} which according to my XX/XX/XXXX Mortgage Statement, this payment has been put into a Suspense ( Unapplied Funds ). 

4. Paid XX/XX/XXXX which has not been posted yet. 

5. XX/XX/XXXX, received a notice that I am behind on my mortgage payment. 

6. To date, no accounting ledger has been received from Fay Servicing. Today is XX/XX/XXXX. 

7. In XXXX, I had began receiving SS/Disability and in receipt to me the XXXX of each month. In essence, I have paid each month around the XXXX of the month, which seem to not be an issue when I called Fay Servicing in XXXX. 

8. Currently this procedure implemented by Fay Servicing is not clear to me, and as to why my request has not been granted for a simple accounting. 

9. I am completely confused and not understanding why my requested is followed up with a delinquent letter, and funds now in a Suspense Fund? when I simply asked why I am being charged fees? and requested an accounting ledger? 


XXXX XXXX XXXX, and Mortgage Holder
Product: Credit reporting or other personal consumer reports

WE WERE WRONGFULLY AND ILLEGALLY EVICTED ON XX/XX/XXXX, FROM OUR HOME LOCATED AT XXXX XXXX XXXX XXXX XXXX GA XXXX. PERSONS WHO WORK AS STRAWBUYERS FOR XXXX XXXX GEORGIA XXXX AND CORRUPT LAWFIRMS SUCH AS XXXX XXXX AND XXXX XXXX ARE STEALING MINORITIES HOMES AND NOW WE ARE XXXX. AS YOU ARE AWRE OUR CASE IS HUGE CONSISTING OF EXCESSIVE MORTGAGE FRAUD, BUT EVERYONE INCLUDING THE DA 'S, SHERIFFS DEPARTMENT, JUDGES, CLERK OF COURT AND OTHER ARE IGNORING THIS. WE KNOW IN THE LOCAL STATE, MAGISTRATE AND SUPERIOR COURT ALL OF THE JUDGES ARE PAID OFF TRUST AND BELIEVE THAT XXXX XXXX IN XXXX XXXX IS THE KEY JUDGE, HE HAD ALLLLLL OF THE CORRUPT CASES IN HIS COURT ROOM ON XX/XX/XXXX, EVEN THE CORRUPT LAWYERS/LIARS WHO I FOUGHT WITH IN BANKRUPTCY COURT IN THE SAME COURT ROOM WITH THE SAME REAL ESATE APPRAISER ON VARIOUS CASE AND OF COURSE XXXX RULED IN ALL OF HTE LAWYERS/LIARS FAVOR. 

SINCE, EVERYONE IS SAYING WE NEVER HAD MORTGAGE FRAUD BECAUSE WE WE XXXX AND INCOMPENTENT THE FRAUD WAS IGNORED AND NOW PERSONS FROM XXXX WORKING FOR XXXXXXXX XXXX AND ALL OF THE CORRUPT JUDGES AND LAWYERS/LIARS IN GEORGIA. BOTHE THE DA AND THE CORRUPT SHERRIFF OF XXXX XXXX MUST VACATE THEIR OFFICES IMMEDIATELY. THE MORTGAGE FRAUD ON THESE HIGH END HOMES AS IT XXXX XXXX TO MINORITIES IS SO SEVERE, AN ATTORNEY IDENTIFIED XXXX WITHIN THE DOWNS SUBDIVISION, WHICH IS WEREW XXXX XXXX XXXX IS LOCATED HAS MORTGAGE FRAUD. I KNEW THIS IN XXXX AFTER WE WERE NOTIFIED AND I INVESTIGATED IT AND SUBMITTED VARIOUS DOCUMENTS TO DOJ. THE MAJORITIY OF THE FRAUDSTYERS WERE CAUCASIANS RESIDING WITIN THE SUBDIVISION. IT IS A MESSSS!!!! 

AGAIN, WE ARE XXXX  : WE ARE REQUESTING THE ORIGINAL PROMISSORY NOTE FOR REAL PROPERTY : XXXX XXXX XXXX XXXX, XXXX GEORGIA XXXX THE FRAUSTERS INVOLVED SIGNED MULTIPLE NOTES, SOLD THE NOTE WE NEVER SIGNED, K FORGED OUR SIGNATURES AND SEPERATED THE NOTE FORM THE MORTGAGE FOR US TO PAY UNTIL WE WERE NOTIFIED.

UNDER FEDERAL CODE 12 U.S. Code 1431 - Powers and duties of banks BANKS CAN NOT LEND MONEY OR ASSSTS AND A REAL PROPERTY IS PAID VIA THE FEDERAL RESERVE BANK AND NO MORTGAGE SHOULD BE PAID. 

WITH THIS SAID SEND US THE ORGINAL PROMISSARY NOTE AND IT BETTER NOT HAVE BEEN CASHED BY ANYONE AS THE ABOVE REAL PROPERTY WAS PAID IN FULL ON XX/XX/XXXX! 

WE MEAN BUSINESS! WE ARE THE CREDITORS AND FORECLOSURE AND CONTRACTS ARE ILLEGAL! 


THE UNITED STATE BRC OF NORTHERN DISTRICT OF GEORGIA ISD ALWAYS IN VOLVED IN THEFT AND WRONGDOINGS! XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, TRUSTEE LAST NAME XXXX, FEDERAL JUDGES XXXX, XXXX, XXXX JUST CORRUPTED! THIS IS WHERE IS ALL STARTED!
Product: Credit reporting

I want trans union to take off the collections of XXXX. I have received my payment statement from XXXX. so therefore helvey and associates have just committed fraud.
Product: Credit reporting or other personal consumer reports

I mailed a correspondence ( attached below ) that indicated the debt accused needed to be verified with legal confirmation in order to be reported to my credit. 

They claim debt was verified but none of the standards of verification were submitted to me. 

I have the original letter and the follow through from Experian letting me know that the in appropriate item would not be removed from my report.
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 Account # 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.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I am requesting the immediate blocking and deletion of the following accounts from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened without my authorization as part of the breach. 
Accounts to be blocked and deleted : 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 reporting, credit repair services, or other personal consumer reports

My personal information, possibly including name, Social Security number, birth date, address, and drivers license number was kept insecurely by the credit reporting company Equifax. This is a company I have no choice but to do business with, as my information is reported to them whether I want it to be or not. As a result of their mishandling of sensitive information, I am now vulnerable to identity theft. 

In addition, after the data breach was detected by the company they delayed in notifying the public, and require affected individuals to check themselves to determine if they were in the data that was hacked.