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

My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX EXPERIAN 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the three credit bureaus, XXXX, Equifax and XXXX on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

The requested URL was rejected. Please consult with your administrator. 

Your support ID is : XXXX [ Go Back -- Or, the response is that my information does not match the information in their system, which is untrue. 
-- -- -- -- -- -- -- -- -- - The above information is the information I receive when I attempt to login to My XXXX account. 

I filed a dispute with XXXX initially in XX/XX/2020. When I. noticed the Portfolio Recovery remained on my credit report even without supportive data for its existence, I filled a dispute again. The reporting agency restricted my access to its website. When I've called I am routed to representatives who reroute my calls, then I'm hung up on. 

The fraudulent account of Portfolio Recovery still remains on my report even without any documentation and changing dates for the start of the account. XXXX  and XXXX have both remove the erroneous report, but XXXX will not.
Product: Mortgage

In XXXX I requested SLS Servicing to update the information correctly on my credit report. They are claiming that a charge off of XXXX was done back in XXXX  but that is not accurate. It was supposed to be a modification of the loan and they went ahead and charged of the loan for only XXXX not XXXX. I need that changed or removed. I am still making payments on this loan so how can it be charged off.
Product: Mortgage

Have two issues currently - I recevied a letter from Mr. Cooper that my hazard insurance is expired when it is not, it was renewed on XX/XX/2022, Mr. Cooper did not check that before sending me that letter, Mr. Cooper is just a greedy company who wants to make money out of me. 

Secondly my Mortgage relief program was approved today but the Mortgage releif administration is having problem in sending the funds to Mr. Cooper ( Please see attached ) Both these issues and concerns were raised with Mr. Cooper attorney XXXX XXXX but there is no response from her end.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. 
According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated to be completely deleted. 
The FOLLOWING accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to reg|ulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : XXXX  and XXXX is reported as having a late payment my credit report : TransUnion has XXXX and XXXX of XXXX paid but then XXXX has XXXX and 60 days late. 
I am demanding that they be veupdated to Paid as Agreed and Never XXXX. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you.
Product: Mortgage

I have a letter prepared, including all documentation, to support my complaint which I want to upload to your website. 

The complaint was previously submitted to the CFPB on XX/XX/XXXX and was received by the CFPB on XX/XX/XXXX which is also included in the documentation with a tracking document. 

The company I am filing this complaint against is Caliber Home Loans , Inc . The loan # is XXXX. The complaint concerns additional payments I made to my account for escrow which Caliber Home Loans claims their policy is to not accept additional escrow. However, Caliber did  accept additional escrow in the amount of {$100.00} to my account in XX/XX/XXXX. They refused to accept additional escrow of {$400.00} which I paid in XX/XX/XXXX claiming it is against their policy. There is nothing written in my loan agreement with Caliber that additional escrow is not allowed or accepted. They also would not return the additional escrow I paid until I requested an official escrow analysis although is evident on my XX/XX/XXXX statement that additional escrow was just setting in an account and not being applied to anything. 

My docs and letter are attached but I had to break them up into 4 separate files since your system only accepts 10 MB per file. 

XXXX XXXX
Product: Checking or savings account

I have called multiple times with no response so now I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Vehicle loan or lease

I have a car loan and it gets automatically withdrawn from my account, since last year in XXXX or XXXX the automatically payments stop and I was not aware of it till few months later, and supposedly they were calling about it so when they would call they would never leave messages so I can call back and I dont answer phone numbers I dont know, so this whole time that my payments wasnt getting paid they would never leave a message so how was I suppose to know automatically payments stop, and if they would of left a message I could of taken care of it before falling behind on payments and knocking my scores down. So now Im behind and they wont push it back on the back burner so I could start over since technically its part there fault for not leaving any messages till finally one day they did.
Product: Credit reporting or other personal consumer reports

This account was closed, yet it is still being reported as active and continues to accrue interest, late payments, and an outstanding balance on my credit report. This reporting is misleading, inaccurate, and violates the Fair Credit Reporting Act ( FCRA ) as well as other U.S. Code regulations governing accurate reporting of consumer credit information
Product: Vehicle loan or lease

On XX/XX/XXXX I met with a sales person who had reached out to me about my lease coming to an end. I told him I was aware of the excessive miles and will be ready to purchase the vehicle unless he can offer me something else. Instead of looking at used vehicles with lesser miles at the same price I would buy my current lease for, I asked to hear about what he can offer me to get into a newer lease. I told him which lease I would be interested if we can work out a deal, he walks off and comes back with an other sales person who offers me a XXXX XXXX at {$570.00} for 39 months and the dealer will cut me a check to pay off the bill XXXX will send me for the remaining of my lease which he said was for {$2700.00}. We agreed on a lower monthly payment. I questioned if the only bill I will receive will be for {$2700.00} and he replied yes never mentioning any other charges or the miles so I agreed to the deal. The bill I received for my previous lease came in for {$10000.00} which included the excessive miles. I contacted the dealer right away to let them know this is not what I spoke about with the original sales person who I made clear what I was looking for. They told me the second person who made me the offer only deals with the car payments. He tells me the other sales man never mentioned anything to him about the miles. I know I was scammed. The first sales person who got the sale did what he had to do to get his sale for the month, I have reached out to him and he wont even reply back to my emails which is very unprofessional if he did nothing wrong. The dealer has done nothing at this point. I called the XXXX and he has not returned my message.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX CT XXXX, NC XXXX XXXX/200 XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed a letter to provide accurate personal information that should be reporting and provided current address ( a water bill ) that should be reporting and I was denied. They are requesting the same information I provided to them again. You have the right to dispute incomplete or inaccurate information. If I identify information in my file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 

1 ) Consumer reporting agencies must correct or delete inaccurate, incomplete information. 
2 ) Consumer reporting agencies may not report outdated information. Including personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a Fraudulent application was made with Capital One ID # XXXX Spoken with several Supervisors receiving different information. I have faxed to their credit investigation dept XXXX per Supv, XXXX on XX/XX/XXXX my ID 's & signed letter requesting the fraudulent information so I can have XXXX clear the hard inquiry reported by Capital One on XX/XX/XXXX. 
XXXX & XXXX removed it but I still need to have XXXX do their job & comply in removing the inquiry from my Credit Report & restore my credit score. 
I'm fed up at this point with everyone - I am the one doing the work & feel I am being given the round around while my credit score still lower then it should be. 
Today when I called Capital One & spoke with Supv, XXXX @ XXXX she confirmed that fraudulent application was closed on XX/XX/XXXX she further said I was emailed confirmation? Never received anything from them. She declined emailing it again????? Said faxing my request as I did on XXXX? XXXX is all I can do & that Dept would send me a letter within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey it has come to my attention Experian reported transactions on my consumer report DEPT OF ED/XXXX ( XXXX ) and XXXX XXXX , so according to the fcra 15usc 1681a 2 a1 like in paragraph 3, the consumer report does not include reports containing information solely as to transactions, is excluded from the consumer report DELETE THIS TRANSACTION HISTORY FROM THE CONSUMER REPORT, or delete the late payment or items marked as late from my consumer report
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 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 XXXXXXXX, 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: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Mortgage

For the past year or so ; I have added money to my regular monthly payments to reduce the principal. As of lately ; they have started crediting the overage to future payments rather than reducing my principal. I have called them 2-3 times on this already and here again this month they have done the same thing. I want my money to be applied where I state it on the billing stub I send in with every payment. What is my recourse?
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 to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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

Hello, I have contacted all three credit bureau about my credit inquiries that I did not allowed or give them permission to run a credit check on me. I asked can they help me investigate the matter from XXXX, XXXX, and Transunion. I have not heard anything back from these XXXX XXXX 's. 

I was told that if a company run a credit check on me and within 14 days if I give another company to run another check on my report it will count as XXXX hard inquiry. As noted on my credit report each inquiries was ran within that time period and it shows on my report I had XXXX hard inquiries. 

From my calculation it suppose to be only XXXX inquiries not XXXX. These credit bureaus refuses to make the necessary correction to my report which is causing damaged to my repot and score. Each one of the inquires was ran around the same time period within the time frame. But it count as each individual inquiries which affected my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXXXXXX XXXXand XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 accounts 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 this 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

A company called XXXX XXXX is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$600.00} but I have never done business with them and I have never received any letters or notices from them. The account number from Convergent on my credit is : " XXXX ''. This is the second collection company within the past year to try and collect this same exact sum of money from me. Another company called XXXX XXXX XXXX is also currently working trying to collect {$600.00} but they have a different account number. XXXX XXXX 's account number is # XXXX. How can it be possible for two collection companies to try and collect on the same debt? Is n't this illegal? Also, why did XXXX XXXX not send me a notice of my right to dispute this debt before they reported it to my credit? I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by these two companies. There is a 97 % negative review rating and over 923 consumer complaints listed on the XXXX XXXX XXXX XXXX website for XXXX XXXX! I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This problem isnt exactly covered under any of the above lists. 
Credit bureaus will offer an early exclusion on some accounts if they qualify. The early exclusion time period varies. When I learned about this I decided I would ask Equifax for an early exclusion. I had to file a dispute in order to ask for the early exclusion but was clear that was all that I wanted. 
My credit score dropped 63 points! This is ridiculous and a dirty trick to stop consumers from opening any kind of dispute. 
Equifax will not give points back when the investigation closes. 
I dont think they should be punishing consumers for filing a dispute or asking for an early exclusion when all of the credit bureaus participate in it. 
Equifax also breaks down your score and tells you what factors affect your score and by what percentage. 
NOWHERE does it state that disputes are calculated into your score but they definitely will take big points away if you file a dispute. 
Where is the transparency? How is this legal? 
I was just expecting a YES or NO answer to my request. There was no need to damage my credit because I asked a question! 
Now my Equifax score is XXXX!
Product: Debt collection

I was taken to court XX/XX/year> it was dissmissed after serval court dates I had proof that this debt was paid in full. Judge said it was dismissed yet it is still on my credit. They called trying to collect a debt I dont know owe which the judge told them they couldnt do. They keep reporting it to my credit which is affecting & damages my finances & credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied with a lender and they told me my XXXX XXXX was XXXX instead of what shows on my credit report. Which was in itself embarrassing and a hinderance. Upon looking at my XXXX report I noticed that there are several fraudulent inquires and accounts on my credit report. Also it shows accounts that were resolved and removed as still posting deragatory on my account as well.. XXXX XXXX and Transunion has a duty to report Accurate information and to investigate and screen information before allowing it to post to my file as well as audit my file to update any necessary information : The following accounts./ inquires are Fraudulent and need to immediately be removed : XXXX : XXXX FRAUD / REMOVE XXXX/ XXXX FRAUD/ REMOVE XXXX XXXX FRAUD / REMOVE XXXX XXXXXXXX THIS ACCOUNT HAS BEEN UPDATED BY COURTS AND NEEDS TO IMMEDIATELY BE REMOVED!! 
XXXX XXXX XXXX FRAUD / REMOVE XXXX XXXX  XXXX / FRAUD / REMOVE XXXX : XXXX XXXX  XXXX / XXXX FRAUD / REMOVE XXXX XXXX XXXX / FRAUD / REMOVE XXXX XXXX XXXX XXXX XXXX XX/XX/2021 / FRAUD / REMOVE XXXX XXXX XXXX / XXXX FRAUD XXXX XXXX XXXX XXXX / XX/XX/2021 / FRAUD / REMOVE XXXX XXXX XXXXXXXX / PLEASE UPDATE ACCOUNT AND REMOVE FROM MY FILE / REMOVE! 


TRANSUNION XXXX / XX/XX/2021 / FRAUD / REMOVE XXXX  XXXX FRAUD / REMOVE XXXX XXXX XXXX XX/XX/2021 / REMOVE