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

Since XXXX of XXXX, the CARES Act has given forbearance to millions of homeowners. I filled out and faxed in my mortgage forbearance form in XX/XX/XXXX, listed on the myloancare.com website, after getting laid off due to the COVID-19 pandemic. At the beginning of XX/XX/XXXX, I received a notification that XXXX marked my account as 30 days late. I called and spoke with a representative that informed me that XXXX had not yet processed my paperwork and assured me it would be resolved. I then received paperwork via mail telling me that my 90-day forbearance period had started in XXXX and would be valid through XXXX. However, my XXXX payment was still reported as 30 days late. 

I called XXXX customer service multiple times until I was finally connected with a supervisor who instructed me to send in my fax cover sheet, proving that I submitted the mortgage forbearance form in XXXX and that LoanCare would correct the report to show the correct forbearance start date. This process turned into a monthly task. My XXXX payment continued to be reported as 30 days late. I would call and speak with supervisors, each of whom instructed me to send in the fax cover sheet and follow their instructions. Yet every month, the account was still reported as 30 days late. By XXXX of XXXX, I was fed up and frustrated with XXXX terrible customer service. Finally, a manager instructed me to make the XXXX payment which initially triggered the 30-day late reporting. He assured me that making the payment would stop the late reporting going forward. Following his advice, I ended up taking a loan from a family member to make the XX/XX/XXXX payment in XX/XX/XXXX. 

My second forbearance period was 180 days, from XXXX through XX/XX/XXXX. By the time I received my second forbearance, I had already made the original XX/XX/XXXX payment. Several XXXX customer support supervisors I spoke with confirmed that since I had made the XX/XX/XXXX payment before the start of the second forbearance period in XXXX, my account would be considered current. Yet again, I continued to receive notifications that my account was reported as 30 days late. 

I had another forbearance through the end of XX/XX/XXXX, when I finally went back to work. I went back and made all the payments missed in XXXX and am now considered to be current on my loan payments. However, this hasnt solved the issue. This inaccurate reporting has destroyed my credit score and caused undue emotional stress. Multiply credit lines have been decreased to XXXX reporting error. I am unable to refinance my loan due to this error, which has cost me thousands of dollars.
Product: Debt collection

Collectors may NOT add interest, fees, expenses or charges of any kind to the original debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : XXXX | XXXX : XX/XX/1987 I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late or XXXX reporting for months after account closure by the creditor. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. No to mention this debt was never validated when requested from the creditor and the XXXX and Equifax have failed to do a property investigation ... .. confirming the dates of closure and continually reporting negative and inaccurate information. 

The below account is in violation of FCRA section 623- Which states CRA can report delinquent until closure, post closure/ discharge, CRA can not continue to report negative information months after months. 

XXXX XXXX BALANCE : {$0.00} STATUS : CLOSED ACCOUNT # XXXX See credit report attached for information being disputed.
Product: Debt collection

I wrote a letter to Firstpoint Collection Resources about a medical bill requesting a detailed/itemized of the bill they say I owe them {$1200.00} in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX XXXX sent me an invoice, but there was nothing about what I was being billed. XX/XX/XXXX, I sent them letter requesting the detailed/itemized bill again. XX/XX/XXXX, I sent Firstpoint Collection Resources another letter demanding they prove the debt. Again they sent me an invoice {$1200.00}, no bill, no detailed information. I want this information removed from my credit report. I have spent months trying to get what they are billing me for. This company is violating the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am submitting this follow-up complaint to ensure compliance with FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates that Experian block fraudulent, inaccurate, and unverifiable information from my credit report within 4 business days of receiving a valid dispute. I submitted my initial complaint on XX/XX/year>, providing all required documentation, including an FTC Identity Theft Affidavit and supporting evidence. As of today, XX/XX/year>, Experian has failed to act within the statutory timeframe. 

This complaint pertains to the following accounts, which violate FCRA standards for accuracy, completeness, and verifiability : XXXX. XXXXXXXX XXXX  Conflicting Reporting Across Bureaus : Listed as Over 120 Days Past Due on Experian but Collection on XXXX. 
Inconsistent High Credit : Reported high credit differs across bureaus. 
Missing Date of First Delinquency ( DOFD ) : Required under FCRA 605 ( c ), but not provided, rendering the account unverifiable. 

XXXX. XXXX XXXX Statuses : Simultaneously reported as Charge-Off and Past Due.

Missing Delinquency Dates : Key reporting dates are missing, violating FCRA 1681e ( b ).

Unverifiable Creditor Details : Account lacks proper classification and origin, making it unverifiable. 

XXXX. XXXXXXXX XXXX XXXX  : Marked as Pay As Agreed while containing delinquency notes, creating inconsistency. 
Missing Reporting Dates : Lacks DOFD and other critical dates, violating FCRA 605 ( c ). 

XXXX. XXXX XXXX XXXX : Simultaneously reflects Charge-Off and Collection.

Inconsistent High Credit : Reported high credit differs across bureaus. 
Missing XXXX  : Essential delinquency dates are not provided. 

XXXX. XXXX XXXX XXXX XXXX : Creditor listed as Unknown, which is unverifiable. 
Missing Delinquency Dates : No clear XXXX provided, violating FCRA 605 ( c ).

Contradictory Statuses : Reflects both Charge-Off and Collection, violating Metro 2 reporting standards.

Violations of the FCRA These accounts violate multiple provisions of the FCRA, including but not limited to : 1. FCRA 1681e ( b ) : Failure to maintain maximum accuracy in credit reporting. 
2. FCRA 605 ( a ) : Prohibition of unverifiable and outdated information.

3. FCRA 605 ( c ) : Mandate to report the Date of First Delinquency ( DOFD ) accurately.

4. FCRA 605B ( 15 U.S.C. 1681c-2 ) : Obligation to block fraudulent and unverifiable accounts within 4 business days.

5. FCRA 609 ( a ) ( 1 ) : My right to access all information used in credit reporting.

6. FCRA 611 ( a ) : Requirement to conduct a thorough reinvestigation of disputed information.
Product: Money transfer, virtual currency, or money service

My XXXX dollars is MISSING. I'm getting very frustrated. I transferred it 4 days ago ( XX/XX/XXXX ) from American express bluebird prepaid debit, to an external bank accout that was verified XXXX XXXX XXXX  XXXX XXXX XXXX ) It showed them as pending in my bluebird account and now they show NOWHERE in either account. Blue bird has no way to be contacted its all automated and can't speak to a representative. One transaction was for XXXX and the other for XXXX
Product: Credit reporting or other personal consumer reports

I have been monitoring Equifax for years preparing for a home purchase. I am able to log in, my info is accurate, and my score is excellent. There is no freeze or fraud alert on it that I can see in my portal. But, when factual data goes to pull it so I can buy my house, Equifax refuses to comply and indicates I need to give a global release. I called equifax. That doesnt exist. They wont let me lift any freeze, it shows there isnt one, and they stated the only way to get them documents is to snail mail it. This is outrageous. Its not my fault their system wont work. Theyre costing me a house! They couldnt tell me what was wrong. They just told me to mail it. It was a middle finger at me.
Product: Mortgage

I have previously contacted your offices, but the same issue is being presented to us in reestablishing our mortgage payments. 
I have been on forbearance for the last 10 months because I was previously out of work. Now that I have obtained a job paying $ XXXX - I receive a call on this morning from Wells Fargo telling me that my income is not enough to restart the mortgage payments. I have turned in the check stubs and all information that they have requested, but they are now telling me that I have to pay {$26000.00} to be considered able to restart the loan ... ..knowing that I can not obtain an outside loan because of the mortgage being on my credit report as delinquent. 
What the heck is this bank working to do - other than destroy people? 
Can you assist us in getting our loan reestablished?
Product: Debt collection

I call the company back and no one will answer the phone. They are calling everyday and hanging up.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

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

Between XX/XX/XXXX and XX/XX/XXXX, XXXX has received and responded to 8 electronic credit disputes in which XXXX XXXX is claiming fraud. The investigation has gone to almost 2 years without being completed. The account was accepted as fraudulent, the original creditor was notified and agree, but had not received any updates to XXXX XXXX consumer report. This account had been a major impact to my everyday life and causing a lot of issues. I suggest all 3 credit report agencies complete their investigations and give me my life back. 
Also, ID theft was also filed with the FTC back in XXXX but they seem to ignored it.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$5500.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This account is showing a late payment which is not true. I have always paid all my debts on time, and this late payment error is damaging my XXXX XXXX. Experian is not correcting this error.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses to furnishers, and failing to adequately notify consumers of dispute outcomes. These failures align with experience, where Experian has neither corrected nor remove disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has not responded to a QWR that I sent them certified I asked for all the LEVEL ACCOUNTING and Proof of this PURPORTED DEBT they are trying to collect on. They need to remove themselves off of my credit report at once and they need to Stop Harrassing me. They also need to stop stealing my identity, I am going to press a criminal complaint against them. They have nothing to do with my property!!!!! This account was paid and closed by XXXX XXXX XXXX, XXXX XXXX XXXX and Mers!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom, It May Concern : Companies listed below we're not authorize to pull my credit and I would like these inquires removed from my credit reports. I've already reach out numeruos times now and they have failed to do anything. 

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

There are numerous amounts of inquiries that I did not authorize on my credit report including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The said about My account pay minimum ammount and fee charge. And i have the account opening brouchure Signed indicating that does not have any of it. And i can send You the proof.
Product: Credit reporting 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 rights to privacy and confidentiality under 15 U.S.C. 1681 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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report 7 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 accurate.
Product: Money transfer, virtual currency, or money service

I had a cash app account with Square many years ago, and someone sent me a payment to it, but I have not been able to open the account. After providing copies of my id and other steps as requested, the company stopped responding to COUNTLESS emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions I have contacted that of TrueAccord related to such debt they claim that I owe. They claim to be licensed but they refused to provide me requested material and I discovered that TrueAccord is not reporting to my credit report. It is unethical for a licensed professional, or business, or collection agency, not to report their attempts and involvement to collect a debt.
Product: Debt collection

We contacted XXXX about a move to a new address in XX/XX/XXXX. We were asked to pick up equipment for the new address, after picking up the equipment we noticed that our service had been moved to the new address. We called to have this fixed. After we completed the move, we noticed in the first week of XX/XX/XXXX that our bill was still showing the old address and not the new one. We contacted them, and they said they had issues transferring the old account to the new address, and as a result, an account was created for us by an agent who gave us the login in credentials over the phone. 
A few months later ( probably in XX/XX/XXXX ), we received the first notice about an outstanding bill from the previous address. We contacted customer service, and after a few calls, that bill was taken care of by the agent as a mistake. 
A few weeks ago, the same bill came up again, but it appeared twice on my credit report this time. All attempts to get this resolved amicably have proved null and void.
Product: Debt collection

My wages are being garnished without notice! I did not receive any notification of a lawsuit against myself, so I could not dispute it or reply to this lawsuit. Now my wages are being garnished leaving me unable to provide for my child, pay rent, and financially unable to live. I will have no choice but to file for bankruptcy! I plan on seeking legal action as well due to the lack of communication and non-notification of this matter!
Product: Debt collection

PRA claims I owe on a XXXX XXXX  from XXXX. The only XXXX I owned was included in my Bankruptcy XXXX XXXX of XXXX. My attorney is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX. 

Every time I call PRA I get the run around, this debt was more than likely bought for pennies on the dollar. I'm guessing most of these situations, people just pay. Not me, this will be going to the top.
Product: Mortgage

I contacted Mr. Cooper on XX/XX/2021 at XXXX, I spoke to a XXXX, she stated that she will file my complaint to the 'dispute ' department and that I will be receiving an email within 24 hours. 
No email was sent to me, therefore, on XX/XX/2021 I spoke to a XXXX and she told me that Mr. Cooper will be sending me a letter with an explanation of the dispute complaint filed. Today is XX/XX/XXXX, and I have yet to receive an email and or a letter from Mr. Cooper. In the interim, I have filed a dispute with XXXX  and XXXX  credit reporting agencies, of the false reporting filed by Mr. Cooper.
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXXXXXX 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.

TransUnion 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: Debt collection

I had an outstanding bill from XXXX XXXX that was incorrect due to my insurance information in the amount of {$290.00}. I contacted XXXX and gave them the insurance info they needed for the bill to be satisified. They agreed, zeroed out the account. About a week later they contacted me stating that my insurance did n't cover everything and left a balance of {$57.00}. I said okay, send me an invoice stating that amount and i will pay for it. I have talked to them on XXXX or XXXX accounts because both amounts are showing on my credit report as collections. XXXX for {$290.00} and XXXX for {$57.00}. I asked them to remove those amounts XXXX times now, and they still have not done so. It 's affecting my credit score and it is hurting my home buying process.
Product: Vehicle loan or lease

Requested payment extension to make my payment, Wells Fargo granted the extensions but they were reported to The three credit Bureaus XXXX, XXXX, XXXX the payments were delinquent even though the payment deferment were requested prior to the payments being delinquent. Wells Fargo customer service gives misleading information, they give you verbal information and later they recant the conversation stating they never provided the information. They are unethical and not consistent or transparent with their conversation with the customer. I received mail stating the deferment has been granted but few days laterI received correspondence by mail they were going to repo the vehicle. Wells Fargo is very unethical. Please remove late charges from the account for the incorrect handling of the account. 

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