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

XXXX XXXX Home Mortgage has reported 4 late payments on my credit report to Equifax and XXXX. I have submitted a dispute to each of the credit bureau 's but the results came back the same. XXXX XXXX refuses to remove the late payments despite proof of payment for 2 of the 4 months reported as late. 

In XX/XX/XXXX I entered a forbearance program with XXXX XXXX. I was medically retired from XXXX XXXX and lost a substantial amount of income. I was to pay {$25.00} a month for 4 months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Once I completed the payment plan, I was told that a new payment would be calculated to address my arrears and future payments. This would be determined based on income and the options were between a repayment plan or loan modification. 

In XX/XX/XXXX, I was instructed to complete a mortgage assistance application which provided details about my income. It was determined that I would pay my arrears and future payments through a repayment plan of almost {$2500.00} a month. I expressed concern because at the time I was attending school full-time and paying for tuition out of pocket. I submitted an appeal and was told to provide a new application with my education expenses included in the budget worksheet. Once submitted, it was determined that a loan modification would better fit my situation. 

I was then told that effective XX/XX/XXXX, I was to begin making 4 trail mortgage payments of {$1300.00}. I completed the trial mortgage payments in XX/XX/XXXX and my official loan modification documents were signed in XX/XX/XXXX. During the time I was in underwriting ( XXXX - XX/XX/XXXX ) and while I began my trial mortgage payments ( XXXX - XX/XX/XXXX ) XXXX XXXX reported my account late to the credit agencies. 

This has now prevented me from using my VA Home Loan benefit that I served nearly 15 years to earn. It has also prevented me from obtaining a home loan with other lenders and even XXXX XXXX, which is a complete slap in the face. In XX/XX/XXXX I asked my loan preservation specialist about the next steps in making full mortgage payments but was told not to worry as it would be calculated when the time came. At no point was I advised that during the underwriting process and while making trial mortgage payments that my account would be reported late to the credit bureaus. If I had known, I would have never entered any agreement with XXXX XXXX under their mortgage assistance program. 

I want this issue to be reconciled immediately so that I can obtain credit for a new home and so that other service members are not faced with the same situation. XXXX XXXX is impacting a VA benefit that many work hard for and at a high price.
Product: Checking or savings account

I was using Bread XXXX previously known as XXXX XXXX XXXX from XXXX. The CD was supposed to mature on XX/XX/XXXX. In XX/XX/XXXX, I updated my address for my regular bank and Bread XXXX as I was in the middle of moving. I also reached out to Bread XXXX  and informed them twice that I wish not to continue with them and would like my money transferred. They instructed me to enter the bank information on the app. I did. From there, I received an app message stating to submit a statement to verify the bank. I did. They denied it and requested to verify the address. I submitted some documents with address information and informed them that the address listed on the bank is the same on Bread savings statement. I was then instructed to call. I called and was told that the transfer process will be initiated at the maturing date of XX/XX/XXXX. Around that time, I received another message instructing me to submit the same documents I have already submitted. I called again and the same process continued. Recently on XX/XX/XXXX, I sent the requested documents with the same address reflected. On XX/XX/XXXX, I received a message again asking me to re-send the documents. At this point, I believe Bread Savings Bank is illegally withholding my money, and I am looking to take legal action.
Product: Credit reporting or other personal consumer reports

XX/XX/2024. I, XXXX XXXX filed a complaint due to misinformation on my credit report. Experian, Equifax, and Transunion failed to properly investigate my disputes regarding inaccuracies in my credit report. Experian Equifax, and Transunion conducted sham investigations, using inadequate procedures that led to the inclusion of incorrect information on my credit report. This misinformation adversely affected access to credit, employment, and housing opportunities for me. Experian, Equifax, and Transunion violated Fair Credit Reporting Act ( FCRA ) by reinserting previously removed inaccurate information into my credit reports without proper notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian reporting as a balance is owed for The XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit report pulled from TransUnion by my business ( not personal ) financial institution and it shows no reportage of me having had a home mortgage ; I have had a home mortgage consistently for over 20 years through XXXX XXXX XXXX XXXX XXXX in XXXX, MO. 

I have contacted XXXX XXXX XXXX XXXX XXXX several times with concerns of my mortgage being unreported in the past. I have been told by various mortgage department employees, including XXXX XXXX the Executive Vice President, that my mortgage would get reported. I have contacted them approximately a dozen times over 20 years attempting to have them report my mortgage to all credit agencies. Several of the people I contacted remembered me trying to resolve this in the past, including Mr. XXXX. Each time my credit report has been pulled over the years my mortgage through XXXX XXXX fails to appear. After multiple occurrences I asked an employee of XXXX XXXX XXXX mortgage department why the difficulty and how hard it was to report it, they replied, " we just need to flip a switch. '' I again asked them to report as I had many times over the years. Each time I asked I was told they would start reporting immediately to all credit agencies. I would find later ; they had not reported my mortgage and did not inform me at any time over 20+ years that is was not being reported. 

In spring of 2020 while I was attempting to acquire a line of credit from my business financial institution, I was told I had a very low credit score from TransUnion reporting agency. On the report it showed credit cards, bank accounts, student loans and a small line of credit but no record of ever having a home mortgage. 

Within a week of finding this I contacted XXXX XXXX XXXX XXXX XXXX by telephone and asked to speak to someone in the mortgage department. I spoke to a woman ( unknown name ) and asked why they continued to not report my mortgage to TransUnion and she said they do not report to TransUnion unless specifically asked. I asked if they could report it since it is affecting my ability to continue to establish credit for my business. She said she would have to get approval ( she did not say from whom ) to report to TransUnion then return my call. She called a few days later and told me they will not report to TransUnion even after I specifically requested it. I was given no reason or remedy for this decision. 

After speaking to my business banker about this he expressed concern about the actions of XXXX XXXX and said I may want to report this to the CFPB and that is what I have done. 

The actions of XXXX XXXX have significantly and negatively affected my credit score and has done so for over 20 years. If reported, 20 years of on time payments for a mortgage would raise my score exponentially.
Product: Debt collection

LVNV FUNDING LLC XXXX XXXX XXXX  XXXX XX/XX/XXXX {$640.00} LVNV FUNDING LLC XXXX XXXX XXXX   XXXX XXXX. 
XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX The above accounts were from id theft. I have sent the companies all of the verifying information the police report, the id theft affidavit, my verifying information. these companies have re-reported this information after they recieved the the police report and all other information, and spoke with them on the phone multiple times.
Product: Credit reporting or other personal consumer reports

Please help me get XXXX off my credit report because I never opened an account or received a auto loan from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account : XXXX has been paid and closed since 2007 but on my report, this is still showing that it is 30 days. How can this be? This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed IMMEDIATELY! 
XXXX XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was alerted to a new collection account being reported on my credit report. Upon further investigation, I was able to confirm that the alleged debt had passed the 7 year limitation, per the Fair Debt Collection Practices Act. It was first purchased, from the original company XXXX, by a collection agency by the name of XXXX XXXX XXXX. After the 7 year deadline had passed, this collection dropped off of my credit report. It later reappeared, being reported by a new company by the name XXXX XXXX XXXX XXXX, that must have purchased the debt from XXXX XXXX XXXX and was attempting to re-age the debt. I disputed the collection with Experian, the only credit bureau that had this listed on my report. They completed an investigation, and instead of denying it outright, they " updated '' it by adding more erroneous information. I once again disputed it, with the same result. I provided them with documents showing a past credit report listing XXXX XXXX XXXX as the previous debt collection agency reporting this debt, which I will attach to this letter. I also sent a letter directly to XXXXXXXX XXXX XXXX XXXX, requesting validation. They sent me back the original contract signed with XXXX  in XXXX, and a note written by XXXX, making the fraudulent claim that they had sold the debt to XXXX XXXX XXXX XXXX, when in fact, the company they sold the debt to was XXXX XXXX XXXX. So, to recap, this debt is older than 7 years, and by law, is required to come off of my credit report, but is being fraudulently re-aged.
Product: Credit reporting or other personal consumer reports

I have identified unauthorized inquiries on my credit report that were made without my consent. After contacting the credito responsible, they confirmed they have no record of my initiating these inquiries and lack any written or verbal authorization. As the inquiries are not valid, I am formally requesting their immediate removal. 
Details of Disputed Inquiries : XXXX. XXXX - Inquired on XX/XX/XXXX XXXX. XXXX XXXX  XXXX - Inquired on XX/XX/XXXX XXXX. XXXX - Inquired on XX/XX/XXXX XXXX. XXXX - Inquired on XX/XX/XXXX XXXX. XXXX - Inquired on XX/XX/XXXX XXXX. XXXX - Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX. 
XXXX XXXX  XXXX - Inquired on XX/XX/XXXX XXXX. XXXX XXXX  XXXX - Inquired on XX/XX/XXXX XXXX. 
XXXX XXXX  XXXX - Inquired on XX/XX/XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes ( Section 604 ) : Unauthorized inquiries fail to meet the criteria for permissible purposes as outlined in the FCRA. Handling of Unverifiable Information ( Section 611 ) : Inquiries that can not be verified must be removed as required by law. Right to Verifi ( Section 609 ) : I am entitled to verify each inquiry with an original, signed contract as proof of authorization. Information Provider Responsibility ( Section 623 ) : Creditors are obligated to ensure that all reported data is accurate and authorized. Protection Against Identity Theft ( Section 605A ) : Any inquiries potentially linked to identity theft must be removed immediately. Formal Request : I am formally requesting a comprehensive and manual investigation into the disputed inquiries on my credit report. If verifiab documentation can not be provided, I request the immediate removal of these inquiries. Please be advised that I reserve the right to pursue legal action and to file additional complaints with the CFPB and my states Attorney General if this matter is not resolv promptly. Sincerely, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Recently we leased a new automobile. Shortly after completing the lease I received a letter from Ally Bank Lease Trust, stating they had been asked by my XXXX dealer to accept the lease. The letter stated that they could not do so because my credit score was unavailable from XXXX. The reason my score is unavailable is that I have placed a freeze on my credit reports from XXXX, XXXX and XXXX. Because my information was not available from XXXX, Ally tried XXXX , XXXX. XXXX is a credit reporting agency I have never heard of and the information they have on me appears to be incomplete. 
I have two complaints as follows : - Ally is using a credit reporting agency that is not nationally recognized and who is providing less than accurate data. 
- If XXXX , XXXX is legitimate, why has it not been required to be part of the free credit report process as outlined on XXXX?
Product: Credit card or prepaid card

Payment has been deducted from my checking account but not credited, causing fraudulent interest charges.
Product: Mortgage

My husband and I closed on our house on XX/XX/XXXX. Based on my husband 's VA XXXX status, he qualifies for a real estate exemption in Maryland. We could not apply for the exemption until we closed and owned the home. We immediately submitted the necessary paperwork and the county sent us our property tax exemption form on XX/XX/XXXX. We had problems during the loan servicing process with misapplication of our initial payments and the SVP of Loan Servicing reached out to me after my prior CFPB filed complaint against this company - stating that he would personally see this is taken care of. I have reached out to him directly multiple times since this conversation and he claims that he has submitted the request to his team several times and doesn't understand why it hasn't been processed. The impact to this request is twofold : ( 1 ) it will reduce my monthly mortgage obligation and ( 2 ) it will prompt an escrow refund of a fairly sizeable amount of money. To continue to charge me for real estate taxes and to fail to refund my money back from escrow which we are exempt is criminal.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for consumers right to privacy. Transunion, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I XXXX XXXX XXXX have the right to make sure my private information isnt shared which rd is found in 15 USC 6801 which states its the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Furnisher of information to credit agencies : is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that : In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. The Financial institutions and the Consumer reporting agencies Transunion, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Transunion, XXXX and XXXX, ( Furnisher of information to credit agencies ) wether it be verbal, non verbal, written implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that : A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. A person shall not furnish any information relating to a consumer to any consumer regarding agency if the person knows or has reasonable va de to believe that the information is inaccurate 15 USC $ 1681s-2 A.
Product: Credit reporting or other personal consumer reports

My recent credit report review revealed an unauthorized account. Please delete this fraudulent account from my report, as it is hindering my credit acquisition. This account is unrecognized by me. 

Name : XXXX XXXX XXXX Account Number : XXXX Opened Date : XX/XX/year> Balance : {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the XXXX credit bureau a XXXX letter to validate the incorrect accounts that is being reported on my credit report. This was on the XXXX of XX/XX/2022 and have yet to receive any response back in regards to the matter. 

the following accounts are XXXX for {$550.00} XXXX for {$5300.00} XXXX XXXX for {$78.00} XXXX {$6600.00} XXXX  {$5300.00} XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the unauthorized inclusion of information on my credit report, which constitutes a violation of my privacy rights under both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Specifically, my credit report includes inaccurate and unauthorized data, which I did not consent to. I have a legal right to privacy as a consumer under FDCPA ( 15 USC 1692a ( 3 ) ) and FCRA ( 15 USC 1681 ( a ) ( 4 ) ), and this unauthorized information is infringing on that right.
Product: Debt collection

I did owe this medical debt, but had since paid off to Emerald AR months ago, I asked them to update my credit as I've been trying to fix my credit to buy a home. After the months have gone by, Emerald has not updated my status with XX/XX/XXXX and this results in me paying higher interest, not being able to get into a better loans and better terms. 

I asked for a letter of XX/XX/XXXX balance, Emerald, as with vast majority of other collection agencies would not do and other than " we will mail you a Letter/Receipt! '' In the day and age of instant everything, a payment confirmation takes seconds, yet they apply this tactic to avoid a paper trail so that the consumers can not prove that they slack off on updating credit in a timely manner. In my case, it has taken months to no avail. 

This is no small matter, it affects my ability to get a mortgage loan, and it costs me money long term. I'm not an isolated case that are damaged by these collection agencies - They just want the money, and get away with it.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and I have been disputing for several months and they have ignored me although I have provided proof of identity theft and XXXX breach.
Product: Credit reporting

I contacted them to dispute items that I did not recall or recognize on my credit report. I requested that documentation ( i.e contracts or agreements to pay ) with my signature be provided to me to validate that the accounts were mine. I received a summary of disputes, bot not one piece of information validating that any of these accounts belong to me. It is my belief that these accounts can not be validated and that is why the information I requested was not sent to me. It has been over 30 days since I requested this information.
Product: Bank account or service

I have been trying to get online statements for the past ten days from my checking account at XXXX Santander. I spoke to a supervisor, XXXX, on XX/XX/2017 after a 40 minute hold time. XXXX told me that she would have someone get back to me ... After a week of patiently waiting and hearing nothing I called again and waited for 33 minutes but got connected to XXXX who was going to try and connect me with XXXX but she hung-up on me. So I contacted the District Manager by phone and left a message for XXXX XXXX XXXX, To date I have not heard one word from this bank. I would like to start working on my taxes and need the ability to gather data on line and sort data. I have no idea why they are not providing basic services for my account. I know they have the capabilities but are unwilling to fix this issue. I am sure this is happening to other customers and this is a clear violation of federal law and banking regulations. I am reaching out to you in hopes you can get someone to at least contact me and get this situation resolved. Bad customer service is no excuse for no customer service. I can be contacted at XXXX XXXX, XXXXXXXXXXXX. I look forward to your timely response.
Product: Payday loan, title loan, or personal loan

I checked my credit report on XXXX and noticed a XXXX balance from a company called Prosper Market Place. I have never heard of them and have tried to contact them but have been unsuccessful. A payment of over {$100.00} dollars was taken out of my checking account recently. I know nothing about this company and.have not opened an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Report Act XXXX XXXXXXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX ; XXXX XXXX of XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights Please remove ALL inquiries that isn't linked to an OPEN CREDIT CARD account. 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction.

I should have ONE name, ONE date of birth, and ONE address
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required 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 Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX TRANSUNION Collection : XXXX XXXX XXXX ( Original Creditor : EXXXX XXXX XXXX ) Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Collection XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I have been trying for over 2 years to get a decent loan modification on my primary residence with my lender OCWEN. They state that I can not qualify for a HAMP loan modification because my investor does not participate in that program. So they stuck me with a 6.0 % loan modification that is XXXX % higher than the market interest rates. I ran my scenario using the XXXX website and it says that I totally qualify for a 3.25 % loan modification. I just want to keep my house and have an affordable payment.