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

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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/updated. 

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 21 days before the payment due date. 

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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Bank account or service

I had a bank account with Bank of America I made a mistake and deposited a check I wrote out into my own account instead of my partners account I expected to receive a check from a job I did the day after and I ended up going to jail on traffic code violations so I didnt have the opportunity to deposit the money into the account when I came out of jail and I realized my account had been closed I looked for any letter pertaining to this matter and didnt find anything I called BOA and they didnt give me any info they stated that It was fraudelant and treated me horrible over the phone now I tried to open a bank account at a different financial institution-bank and I was denied because of the words used as FRAUD I never commited any fraud I do not have any sort of criminal records I work for the US DEPARTMENT OF LABOR and I have even passed the usa back ground check similiar to the military back ground check so please help me get this matter resolved I am willing to pay boa but I want the XXXX removed
Product: Debt collection

This is In addition to my open complaint with One Main Financial. After my payment was made for the month of XXXX, I continued to receive collections calls to my phone number, XXXX on XX/XX/year>. The customer service representatives are rude and they lie. The same customer service representative that called me yesterday repeatedly also called me in XXXX after my payment was made. She lied to me on XXXX and stated that they were allowed to call as many times as needed and that their practices were compliant and consistent with regulations. Then she asked me asked me if I wanted to set up automatic payments so that I could avoid all of the collection calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following fraudulent inquiries on my report a few times before in accordance with FCRA, all to no prevail. It is written within FCRA law that if such companies can not present physical documentation then the disputed items shall be forever removed. I have disputed the following and no one presented any physical verification but yet the 3 major credit bureaus still reported as being true. But still no physical evidence inwhich is in direct opposition of the law stated in FCRA. The following disputed inquiries are XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX, Transunion ( XX/XX/XXXX ), XXXX  XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX ( XX/XX/XXXX )
Product: Student loan

I contacted XXXX XXXX to discuss my student loan. The payments they are requesting are unreasonable. I am unemployed and my mom has been supporting me for the last 90 days. The rep I spoke with XXXX became very rude with me and threatened to disconnect the call because I could n't not make my payment. She requested to speak with my consigned I advised her that she is not able to talk she then put her supervisor on the phone who claims he is the only manager in the department. He stated to me that it looks like we can pay because based on my moms credit it does not look like she is struggling. He then became very rude I asked him if I paid XXXX would my loan still default he said yes because I did n't make a payment of {$120.00}. Please help this is my XXXX CFPB complaint
Product: Credit reporting or other personal consumer reports

i took a look at my credit report and i see some inaccuite information on my report that i need off my credit repot because it is hurting my report. i need a debt validation and verification letter confirming details of the debt of these companies Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Account info Account name XXXX XXXX XXXX I Account number XXXX Account type Collection and there are address that are not mine and i do not stay at all, my address is XXXX XXXX XXXX that is in XXXX MI XXXX is the zip all other i need off my report. Do to the FCRA I have the right to a accurate credit report from this data furnisher and i will like an update with proof of and ingestion and an updated report. 

Thanks, and have a blessed day sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX here, and I'm requesting removal of the fake accounts and information from my credit file by filing this CFPB complaint. I'm writing to you now to let you know that identity theft happened to me. You must take away any things that are discovered to be fraudulent or items that were the consequence of identity theft in accordance with FCRA section 605b. Please locate the necessary paperwork to help with the removal of the false information that is being placed to my report. The following objects were either opened without my permission or do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$190.00} XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$360.00} XXXXXXXX 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 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 XXXX XXXX XXXX  XXXX XX/XX/XXXX. As required by FCRA Section 605B ( a ), Credit Bureaus must block any information in a consumer 's file that the consumer claims was obtained through identity theft no later than 4 business days following the date of receipt.
Product: Mortgage

My father XXXX in 2009 with a mortgage debt that was in pre foreclosure. I inherited the property and have been communicating with the mortgage company since his death to rectify the mortgage and bring it current. I went through loan modification programs, I 've sent them a lump sum payment in which they returned and then they denied the modification and told me I had to assume the loan and while going through that process, they foreclosed on the property. Almost 2 years later they rescinded the foreclosure. I then put the property up for sale and because of the years that has passed the loan has nearly doubled causing me to have to sell it for less than what I owe. The bank then denied the short sale. Currently, I am re listing the property again for a higher amount but the loan is still almost double. I have asked that they forgive and/or waive the accrued interest, attorney fee, late fees and other expenses as they wrongfully foreclosed on the property. The latest payoff still reflects all of these fees including the years that they wrongfully foreclosed on the property.
Product: Vehicle loan or lease

To Whom it may concern, I financed a Motorcycle at my Yamaha Dealer, the original loan was serviced through XXXX XXXX  Account No XXXX. In XXXX of 2020 I received a letter from Yamaha Financial Services they had taken over the loan from XXXX XXXX. On a letter dated XX/XX/2020 I received notice from Yamaha Financial Services showing my account Number had Changed to XXXX which is what I sent my next Payment to. The correct Account number should have been XXXX. Yamaha has lost a payment due to them sending me the wrong account number or they credited it to the wrong account number. After multiple calls, e-mails and letters, I keep getting delinquent payment notices from Yamaha. The refuse to acknowledge their error. I have attached paperwork showing no missed payments including bank statements. My latest Yamaha financial statement now shows 2 missed payments, it's like they're making this up to spite me. All I ever get for a response is they're researching it. 

Thank You XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX
Product: Credit reporting or other personal consumer reports

I require experian to provide documentation and verification of all negative information on this report
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts and inquiries that have appeared on my credit report due to a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I request that all accounts and inquiries listed below be blocked and deleted from my credit report as they are fraudulent and unauthorized. 
Disputed Accounts : XXXX XXXX Opened : XX/XX/XXXX Balance : {$00.00} XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$45.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$550.00} XXXX XXXX Opened : XX/XX/XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Opened XXXX XX/XX/XXXX Balance : {$540.00} Unauthorized Inquiry : XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted the credit bureaus following speaking with them and the US bankruptcy court. The court stated that they did not report a bankruptcy yet there has been a bankruptcy posted on all my credit bureaus for almost 7 years. This is gross negligence on their part. I never did a bankruptcy. I was going to do one back in 2016 and told the Judge that I decided against it. The Judge from the bankruptcy court then proceeded to dismiss my case. I explained all this to the credit bureaus and they stated there was nothing they could do. I then went to the court and got the dismissal paperwork sent to the credit bureaus which I am forwarding to you and to this day the bankruptcy is still on all my reports. I can not get a credit card. I can not buy a house. This has effected my ability to proceed forward in various jobs. And also has effected my score impacting my car insurance amount. The bankruptcy must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered an unauthorized item. Despite sending them letters over 30 days ago, they have not responded adequately or provided sufficient validation. I kindly request your assistance in addressing this matter. I am prepared to pursue legal action to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me I have sent you a letter and an report from the federal trade com
Product: Mortgage

I paid off my mortgage with mr copper XXXX XXXX  XXXX XXXX XXXX, Texas XXXX on XX/XX/2018 it has almost been 1 year and they still have not sent me my lein release for my home. I have called them at least once a month for the past 11 months and they tell me its in with there legal team, I have asked to speak with the team and they say there is know number they can give they will get back to me and they never do. I would like to sale my home but I can not do this with out the release form. I have done my end of the bargain and paid my loan off. I am asking for them to give me what is mine and I get the same answer for the past 11 months. Can you help me please Thank you, XXXX XXXX Ps. I have attached a copy of the paid in full letter claiming my release was on its way to being processed back in XX/XX/2018
Product: Credit card or prepaid card

Hello, For many years I carried an accidental life insurance policy with XXXX which I paid via my JC Penney Credit Card. I had this account on auto pay, debiting my bank account to pay the monthly premium of {$8.00}. On XX/XX/2022 I contacted XXXX XXXX and advised them I wished to discontinue the policy. I was informed the premium for XXXX was paid so the policy would be in effect until XX/XX/XXXX. Since I no longer shop at JC Penney I also deleted my bank account for auto pay. 

Today I received an email alert from XXXX advising me there was a decrease in my credit score. I logged on to XXXX to learn that JC Penney had my account reported as 30 days delinquent and my credit score had dropped XXXX  points! Not once have I received an email, letter or phone call advising me my account was delinquent. 

I contacted JC Penney this afternoon and paid the " outstanding '' balance of {$8.00} and requested that the JC Penney store account also be closed. Since my husband was the " primary '' cardholder he also got on the phone with the customer representative to confirm that we wanted the account closed immediately.

In addition to making sure my JC Penney account is closed I would also like this delinquent report removed from my credit report and my outstanding credit score restored. 

XXXX and XXXX XXXX mobile phone XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), Experian is required to investigate and correct errors within 30 days. Please send me written confirmation once the update has been made. If you determine that no correction is necessary, kindly provide a detailed explanation of your findings.
Product: Mortgage

Our refi loan is subject to PMI. The loan was initiated in XXXX XXXX with XXXX XXXX XXXX, sold to XXXX within the first month, then sold to XXXX in XXXX of XXXX. Within the PMI Disclosure ( Fixed Rate Non-High Risk Loan ) signed at closing it gives two options for PMI termination. 1 ) upon 80 % LTV we can request termination of PMI and 2 ) automatic termination at 78 % LTV. The Original Value of the home based upon a XXXX appraisal was $ XXXX. In the case of the first, we requested termination in XXXX at which time an appraisal was requested by the lender who contracted with an appraiser, this is allowed by the terms of the PMI Disclosure. The appraiser did not know this market, was officed XXXX miles away, and pulled inappropriate comps leading to a XXXX appraised value of $ XXXX. We contested the value but determined the hoops to jump not to be worth the work and cost. We left the matter be as Option XXXX, automatic termination upon 78 % LTV based upon " the original value of the property '' was imminent. Suntrust now refuses to remove PMI stating the XXXX appraisal does not warrant removal. We have explained that the XXXX appraisal is immaterial as the Automatic Termination clause states " If you are current on your loan payments, PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property, based solely on the initial amortization schedule for your loan and irrespective of the outstanding balance of your loan on that date '' - We are current with our payments and have never been late or delinquent. Further Original Value is defined in the Disclosure as " If the loan is a refinance loan, 'original value ' means the appraisal value of the property relied upon to approve the loan ''. As per the PMI Disclosure this date is XXXX XXXX, XXXX. CFPB 's assistance is required to ensure Suntrust Mortgage adheres to the terms of the PMI Disclosure they bought when they bought our loan.
Product: Debt collection

I contacted Dynamic Recovery Solutions who is collecting on behalf of XXXX XXXX XXXX. I spoke to a XXXX XXXX. Upon I asking for proof of debt, proof that they are licensed and bonded in my state she began to get annoyed and very nasty to the point that when I asked to allow to state that I was requesting certain documents for the record she stated that she does't have listen to me and hung up. AT no point was she able to tell me the date of first delinquency, license number, she basically only wanted to collect money. She never informed me that I can dispute this information. I then was upset and called back and spoke to customer service supervisor XXXX XXXX. I explained the situation and that I wanted her to correct XXXX XXXX conduct and how she violated my right under the FCRA. I also informed her that I was going to file a compliant with the FTC and CFBP.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two US BANK?? credit cards on my account shown and one of them are in good standing, and one is not mine, and try to fix it but coming back verified as correct but it is not correct its showing our joint account I am married to XXXX XXXX thats my spouse your other account shows the account US BANK Im disputing shows joint Responsibility this account was never mind at all, My report is very good until I saw this on my report and tried to disputed. 

US BANK XXXX {$10000.00} Opened XX/XX/2015
Product: Debt collection

I signed a contract with XXXX. two years in I was XXXX in my home five days after XXXX and attempted to push panic button behind locked door. nothing happened. I realized something was wrong. I filed a police report and then called security company. I told them what happened and I needed them to come asap to fix it because I feared the XXXX would come back. they told me they would be out in 7 to 10 days. I asked for a manager and insisted they come immediately. they said they would note this on my account. they never showed I called back and complained again. they said they came out and I was n't at home. do n't know when that was but I worked so there is no telling. I again told them to please fix my system They were withdrawing automatic from my account for three months while my system was broken.. around three months later my home was broken into and robbed. again no alarm because they never came to fix it. another police report was filed. my damages totaled more than what I owed them for the " contract '' they were determined to hold me to which by the way was five years. I had to get bank to stop them from taking money. they refused to relieve me of the contract and turned me over to hillcrest Davidson collections. they demanded I pay the rest of the contract of {$1600.00}. when I was XXXX for a year. I lived alone at time and was scared to death for 3 months and had my mom come stay with me. I spoke to a lawyer that said I had an excellent case and when I was ready he was ready to chew them up and spit them out. but I did n't have money to hire him.
Product: Mortgage

Mortgage Investors Group sent me a letter stating they sold my mortgage to XXXX XXXX in XXXX, Texas, but XXXX XXXX has no information about me and told me they do not know anything about Mortgage Investors Group and have never received any mortgage from them. I called Mortgage Investors Group but all they said was they no longer had my mortgage so they could not help me. A representative from XXXX XXXX called Mortgage Investors Group but could not get any information about my mortgage. I need someone to find out where my mortgage is so I can make a payment.
Product: Debt collection

On XX/XX/XXXX, I received a call from phone number ( XXXX ) XXXX, and spoke with an individual who stated that they were calling from a collections agency, Transworld Systems Incorporated, in regards to a XXXX account. However, the caller insisted that he could not tell me any further information unless I provided him with my address or social security number. After refusing to provide such information, the call ended. 

Later that day, I called XXXX directly, and they stated that I allegedly owed their company money but that, because the account was in collections, I was only able to communicate with the collections agency directly regarding the alleged debt. 

On XX/XX/XXXX, I called back the same number, ( XXXX ) XXXX. Again, I was told that I was speaking with a collections company and that if I wanted any further information, I needed to provide them with my address or social security number. Against my better judgment, I provided them with my social security number. 

At that point, I was then told that I was speaking with XXXX XXXX from Transworld regarding account number XXXX. XXXX XXXX stated that I owed XXXX approximately {$400.00} and he was calling to collect said money. I insisted that I was not aware of such a debt and requested that he provide me with documentation of said debt. XXXX XXXX stated that the only information he had was the name of the company to whom the money was allegedly owed, the dollar amount, and the service period. However, he was unable to provide me with any documents that corroborated the debt. He stated that I should call him back on XX/XX/XXXX, so he could retrieve documents from XXXX. 

On XX/XX/XXXX, I again called Transworld and spoke with XXXX XXXX. He repeated that his company could not provide me with any documents regarding the debt and, interestingly, that his company was no longer willing to accept money from me because they could neither confirm nor deny that I owed XXXX money. He again stated that the only information that Transworld had was the name of the company to whom the money was allegedly owed, the dollar amount, and the service period. I recorded this phone call. 

On XX/XX/XXXX, I received a call from Transworld stating that they no longer had my account from XXXX and would seize their collections efforts. 

I never received any documents of any kind from Transworld regarding the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  FAILED TO UPDATE XXXX LOAN NO.XXXX, THIS ACCOUNT WAS DISCHARGED ON XX/XX/2018. UPDATE TRADELINE AS A DEBT CANCELLATION OF XXXX PAID CLOSED CANCELLED. 

ALSO, XXXX XXXX XXXX NO.XXXX WAS REPORTING PAYING AS AGREED NEVER LATE PRIOR TO THE BANKRUPTCY OF XXXX. 

RE-INSERT XXXX XXXX XXXX  NO.XXXX. PAID IN FULL VER LATE AND CLOSED. 

LASTLY, XXXXXXXX XXXX  XXXX IN AN INVALID TRADE OF XXXX. 
UPDATE STATUS PAID IN FULL, CLOSED/TRASFERRED TO RCS. XXXX IS NAMMED IN BANKRUPTCY XXXX AND DISCHARGED XX/XX/2018. 

DELETE ALL HARD INQUIRIES FOR THEY ARE INCLUDED IN BANKRUPTCY.
Product: Debt collection

Their reports is affecting my credit score every month and under the Fair Debt Collection Practices Act, 15 USC Section 1692c they should stop contacting me.