23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

During COVID-19 outbreak, I became late on paying my mortgage. Since then, I received several messages from XXXX  Mortgage Services that they were reviewing my loan for modification ( XXXX ). On XX/XX/XXXX, I received Notice of Default on door, but when I tried to reach the Trustee 's office ( XXXX XXXX ) on XX/XX/XXXX, it was closed. 
On XX/XX/XXXX, I responded to the Notice of Default by Certified Mail by United States Postal Service ( XXXX ) with a tracking number, responding to the Trustee 's letter page 2 paragraph 5 which states : " ... if dispute the validity within the 30 days, ... the law requires Trustee to suspend its action ... ''. Even though, I requested in the letter that I wanted to have " Meet and Confer '' under the Senate Bill SHB 2421 and also, for them to reveal who the beneficiary of the Note is, the letter never got responded. After tracking the mail on XX/XX/XXXX, I saw that it was delivered to the Trustee 's office ( see attached Product Tracking Report ). 
Unfortunately, the Trustee got the letter and threw it away. At first, I filed a complaint blaming XXXX for mishandling the letter. But later, after my investigation at the Trustee 's office, discovered that the letter was handed over to the Trustee 's representative. I also discovered that the Trustee is actually is also a Real Estate Owned ( XXXX ) for XXXX with a telephone and a sheet with instructions on the desk on how to reach them. But as one of the XXXX ( XXXX XXXX XXXX who shares the building tried to call, it was not operatable phone. 
On XX/XX/XXXX, by this time I have received a foreclosure notice with the sale date scheduled for XX/XX/XXXX. I Called to XXXX and spoke with XXXX Id # XXXX to request meeting with someone whom I can talk to face to face for my modification and also ask who the Note holder was. XXXX XXXX that someone would contact me in 10 days. I have been patient not to file a complaint but to resolve the issue amicably. But it seems that their fraudulent activities will never stop until it is brought to light.
Product: Credit reporting or other personal consumer reports

I've contacted each of the XXXX credit bureaus regarding hard inquiries on my credit reports they are inaccurate. On my transunion report they are several of the same thing. I've notified them that they were not authorized and asked them to be removed. I have credit monitoring. I monitor my reports religiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell 3 credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX  XXXX XXXX Balance : {$2500.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I am writing to seek your assistance with XXXX 's abusive business practices against the District of Columbia residents. XXXX has zero accountability to its customer base. I reserved a XXXX vehicle almost 5days in advance for XXXX Sun XXXX XXXX to XXXX Mon XXXX. I advised the XXXX representative that I was taking the vehicle out of State to NY to bring my daughter to her college admissions appointment. I advised the rep I've had recurring issues with their vehicles lacking proper maintenance i.e. : low battery, low fuel, NO windshield wiper fluid, and extremely filthy vehicles. I wanted to ensure everything would go smoothly for our trip on Sunday. The rep assured me the vehicle had been serviced and all would be well. The morning I picked up the vehicle it was filthy, and most importantly, it was missing the XXXX XXXX device which we didn't realize until we had passed a bridge toll in NJ. I immediately had my daughter call " customer support '' while enroute and they assured me they reported the XXXX XXXX device stolen and that I would not be responsible for the tolls. The rep even noted her confirmation of this in her notes which I confirmed with several other XXXX XXXX. I arrived at XXXX at XXXX and we parked the vehicle in a garage. The vehicle was picked up again at about XXXX and we were back on the road. I arrived to DC and when I proceeded to park the vehicle in its home location ( behind my building at XXXX XXXX XXXX XXXX ) on XXXX XXXX the space was unavailable. I immediately called XXXX and informed them, and they approved that I could park the vehicle at another legal location. While on that call the rep confirmed the prior rep 's notes in my account detailing my trip report ie : filthy vehicle and missing XXXXXXXX XXXX device, her notes that I would NOT be charged and that she had reported the XXXX XXXX device stolen. Despite his confirmation, he proceeded to inform me I was given WRONG information and that I WAS responsible for the tolls. I parked the vehicle and advised the rep. I then called back to speak with another rep to cancel my membership for the next billing cycle which is this month. This morning I received an erroneous text from XXXX asking if I needed " more time '' on the trip. I called back into customer support and the rep informed me the trip had ended on time and I should not worry about any late fees. I also inquired about my report RE : the XXXX XXXX toll fees, he confirmed the prior rep informed me I would not be charged and that the information she provided was incorrect. He said he was escalating the matter to attempt to provide me a resolution. I was NEVER informed that the trip fee had been increased to {$300.00}! Originally the trip was a {$100.00} dollar trip for a full day XXXXSun-XXXXMon. XXXX is charging me overage miles : XXXX miles ( XXXX ) for {$160.00}. The vehicle was parked in a Garage from XXXX to XXXX. I do not understand how they are claiming overage miles? I have my garage reservation confirmation. I would like a full refund of the {$290.00} and XXXX to take accountability for its employees misleading communications regarding the XXXX XXXX toll fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Complaint is in response to the XXXX XXXX, XXXX letter I received regarding my goodwill request to have late payments removed from my credit score report. In the letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, Department of Education/Nelnet is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 
I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ).

The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct.

, Department of Education/Nelnet representatives told me that because the delinquent payments were accurately reported in XXXX of XXXX that any subsequently initiated deferments would not allow for, Department of Education/Nelnet to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. * All of my, Department of Education/Nelnet accounts that were part of the XXXX XXXX late payments show deferment status effective as of XXXX/XXXX/XXXX. Therefore, my credit reports do not currently accurately reflect previous payment statuses with, Department of Education/Nelnet, both as they actually existed and as Nelnet has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the three accounts showing a 60-day late payment in XXXX XXXX be updated and/or corrected and removed. 
In the event that these reports are not immediately updated to accurately reflect my payment status during XXXX XXXX, I intend on filing disputes with each credit bureau in addition to official complaints with the FTC, and the BBB, and pursue other legal routes if necessary.
Product: Credit reporting or other personal consumer reports

A per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts : 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
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment regarding your bureau 's handling of my identity theft claim. Despite providing extensive documentation and evidence, it appears that my case is not being recognized or treated with the urgency it warrants. As a victim of identity theft, I have endured countless hardships, both financial and emotional, due to the actions of the perpetrator who maliciously stole my identity. I reported this incident to your bureau on XX/XX/2022, accompanied by substantial evidence, including FTC reports, to substantiate the authenticity of my claim. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my credit report I found inaccurate information in my credit report, As per the FCRA I have the right to fixed my report because I've found error in there.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, Account : XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors.
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 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/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. 

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!
Product: Student loan

I went to XXXX XXXX and my student loans were discharged under the borrowers defense four years ago when I receive the discharge letter I sent it to MOHELA call them and let them know about the situation. They refuse to remove from my credit and which has hurt my credit since then they gave me the runaround to call the Department of education And XXXX XXXX XXXX. They did not remove the loans at the I provided proper documentation four years ago and my loans are still on their account and my credit is taking a hit for no payments.
Product: Mortgage

Dear CFPB, I am writing to file a complaint against BSI Financial Services, located at XXXX XXXX XXXX XXXX / XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX. Tel : XXXX. I currently have home loan with this institution with the outstanding principal of {$980.00}. My most recent mortgage statement is due XX/XX/XXXX in the amount of {$1400.00}, which includes {$980.00} principal, {$430.00} escrow, and XXXX in interest. On XX/XX/XXXX, I made a payment online as I always did. The institution withdrew the money from my bank but then rejected the payment and sent me a refund in the mail after XXXX weeks. I then contacted BSI to inquire on this matter, and its customer service told me I need to obtain a payoff statement and pay it per the payoff instruction. The representative told me the payoff was going to be sent to me by email within 10 days. Upon checking my email after 10 days, including the spam folder, there was nothing to be found. I contacted BSI customer service and was told it was already sent to me, and they were going place a request for a resent via email within 24 hours. Again, I still didnt receive it. I called BSI again, and now another rep told me the payoff statement was never sent due to the recent payment reject awaiting to be finalized. The representative then said to be able to send me a payoff this time since the reject has now been clear. Meanwhile, I can go ahead and submit the payment by a certified check. This time I sent in a certified check for {$1600.00}, which was more than the payoff amount. This payment arrived at BSI and was recorded on XX/XX/XXXX. On XX/XX/XXXX, I contacted BSI customer service and was told that this payment was again rejected. I asked as to why this still got rejected and not applied to the payoff to release the lien on the property. I was told somebody was going to call me within 24 hours. I still havent heard back from BSI. I dont get why BSI is making it difficult for me to pay off my loan and release the lien . Does BSI try to steal my property? It knows this is not going to happen so why even try? Or is it in the companys mission is to be greedy and exploit however it could? I don't understand that. BSI knows well if it doesnt answer to me, it will have to answer to somebody so why make this bad for them? BSI is greedy as it kept raising interest on me, as a good customer who never failed on a single payment. This got me upset that I decided to pay it off. Instead of making thousands and thousands of dollars off me on interest, they will now make nothing. And what will I remember of BSI Financial Services? 

I am asking CFPB to get involved and help me as BSI can not hold this kind of practice because it does it to me, it will do the same to other people. Fortunately, I do voice, but what about those who dont? 

I thank you for your time looking into this matter for me. Not only this will help me, it will also help prevent from the same happening to other customers. 

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

In XX/XX/2019 I submitted a credit freeze and fraud alert request to Equifax. As of today today XX/XX/2019 I have yet to receive a response from the company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS : XXXX XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX box XXXX XXXX XXXX PA XXXX RE : Trafficking Block Request To Whom It May Concern, I am writing to advise that I am a victim of Trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that Trafficking. 
XXXX. XXXX XXXX : Account Number : XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of Trafficking .Per XXXX - XXXX In brief, section XXXX provides that a consumer reporting agency XXXX not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of Trafficking in persons or XXXX Trafficking if the consumer has provided Trafficking documentation to the consumer. 
The XXXX is adopting several amendments to Regulation V to implement new section XXXX of the Fair Credit Reporting Act ( FCRA ) XXXX added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX NDAA ) XXXX In brief, section XXXX provides that a consumer reporting agency XXXX not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of Trafficking in persons or XXXX Trafficking if the consumer has provided Trafficking documentation to the consumer reporting XXXX Under section XXXX, the Bureau XXXX required to issue implementing regulations within 180 days of the enactment of the XXXX NDAA XXXX Section XXXX is effective 30 days after the XXXX issues its final implementing regulations. 
BILLING CODE : XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Docket No. XXXX ] RIN XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures Proof of identity Trafficking documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I C System, Inc. added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify their collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, I C System, Inc. has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for violations, stress, and mental anguish, as well as at least 1 % of the company pursuant to XXXX  XXXX OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO XXXX.
Product: Vehicle loan or lease

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15USC 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604a section 2, it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

I have never been late for any credit card or anything in my life as a computer generated here I am always been on automatic payment glitching kick me off
Product: Debt collection

Contract Callers Inc, XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX Phone : ( XXXX ) XXXX I submitted a dispute on my credit file, but the company insists that the debt is mine. 
I have requested that Contract Callers verify the debt twice, but they only send me a printed screen shot of their billing system. I have advised Contract Callers that I did not live at the address during the billing dates and I had cancelled my service several months prior to the dates they provide. 

The debt collector is unable to provide any other verification of the debt but they still will not remove the debt from my credit file.
Product: Credit reporting

Equifax is reporting a past due on account listed as " XXXX XXXX XXXX '', this account is not mine and has never reported and is just now reporting for the XXXX time with a {$660.00} past due balance.