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

SYNCB/CARE CREDIT / 30 days past due 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of thi
s title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Mortgage

I called Select portfolio servicing about my mortgage should be paid in full, i never refinance, or taken out a loan on my how and i paid {$110000.00} 32 years ago and you saying i still owe {$150000.00} and if I didnt pay i will be facing foreclosure. I ask for mediation and i sent loan documents fax, email, and certified mail and still waiting for a answer after 6 months and keep getting threatening calls
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a XXXX XXXX account on my credit file in which it does not belong to me. I recently found out my old roommate had 3 cell phones in my name. I contacted XXXX and each credit bureau still nothing done about it. XXXX is aware. XXXX, Equifax and XXXX  should bot allow someone to report an account without a full investigation. I would like for this account to be removed from my credit file immediately.. I've requested copies of the signed agreement from both XXXX XXXX and each credit bureau and no one has provided me with that info but has this account on my credit file. This is not legal or right on all levels. I will contact an attorney on XXXX and the credit bureaus if its not removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and XXXX have got into the hands of the wrong person.
Product: Debt collection

Pinnacle Financial Services purchased zombie debt for an old collections account and reported it on my credit report with an incorrect date so it looks newer than what it is. I sent a letter stating : XXXX XXXX, XXXXPinnacle Credit ServicesXXXX XXXX, MN XXXXXXXXRe : Alleged XXXX XXXX accountTo Whom It May Concern : I am continually being called on the telephone by your firm over an alleged {$980.00} debt. According to the information I have, the date of last activity by the original creditor was XX/XX/XXXX. The State of Limitations on this alleged debt, even should it be ours, is XXXX years in the state of Indiana. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] ( XXXX ) The false representation of -- ( A ) the legal status of the alleged debtand ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation. 

Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities. 

Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying our state attorney general 's office. In addition, I 'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me. 

They are constantly contacting me after this letter, signed and certified that they received it. Also, I requested an investigation and it still was not removed from my credit reports.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX 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 s-2 ( A ) ( 1 ) A person shall not furnish any information realting to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is correct
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested temporary credit lift freeze from Equifax because Equifax would not permit me to manage the credit freeze online ; called service number as directed. 

Provided identification as directed including upload of driver license. 

On XXXX separate occasions agents falsely stated that no freeze is active on my account. After being insistent, I was told that my date of birth on record is wrong despite being clearly displayed correctly on my most recent credit report from XXXX days ago. In addition, the agents both had access to my correct date of birth as part of the driver license. 

I am now being asked to send in XXXX documents for verification plus a cover letter to hear back in XXXX business days because I am also not permitted to use the dispute service online. This is beyond incompetent and affects my ability to perform business in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

i went to the dealership and they said they will only have XXXX pull my credit but they had XXXX XXXX do XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive received my most current XXXX XXXX report dated XX/XX/2022. 

THERE AR

E ZERO BANKRUPTCIES IN MY REPORT. THE CREDIT BUREAU KEEPS SHOWING THERE IS ONE.
THIS NEEDS TO BE FIXED IMMEDIATELY. 

Ive already attached the report to my complaint I have with the NYS Attorney Generals Office Thanks
Product: Credit reporting

I have attempted to dispute the date of XXXX delinquency of an account from XXXX 2008 as listed on my credit file to XXXX 2008. 

I have attempted to have this information corrected XXXX and XXXX times I have been provided with an account history that shows the account became delinquent on XXXX, XXXX, 2008 and was never brought current ; however, I was told, via letter, that they will only validate the debt once more and my disputes are now considered frivolous. I do not feel that incorrect data on my credit report is frivolous. 

It is possible that I disputed incorrectly the XXXX time, but the XXXX time I was very explicit that I was disputing the Date of First Delinquency and this is evident from the information provided to me from Equifax stating that XXXX XXXX XXXX has verified that the date is being reported correctly. 

Since I can not get a resolution from either party, I have no recourse but to file this complaint.
Product: Money transfer, virtual currency, or money service

I open this account and even a business when attached to it because I'm opening a business. I had money deposited into this account and now they will not let me touch it remove it do anything with it it is stuck there. Every time I go to add a card so that I can withdraw or a bank or anything that would have to do with me being XXXX moving my money from that account I get an error message that tells me to contact than XXXX  support. I've been super patient it's been about 5 days I've been in contact with them every time My account has been suspended two times I've provided every single document they ask for and then some proven that I am who I am and that I am a valid person and this is my account my money my banks my cards and they tell me that there's nothing they can do. They tell me they can not override or allow anything to happen and it's just it's my card or bank that's the problem and to contact them. I have added every single card in my wallet I have added every bank I have the same error message. Can't use the debit card that they gave me for the account it just says invalid. I can't send it to anybody no matter which way I try same error message contact XXXX support. They won't help And his money is absolutely vital to me opening my business and getting it off the ground it is nearly {$800.00}. This is not fair this is unjust I have cooperated in every single way they need to allow me to make a move so I can remove my money from that account I will close the accounts and I will have nothing to do with him it's my fault for thinking that I could trust what a friend who also owns a business said about them that they were great and a good platform to run your business transactions through. Looks like I'm not going to have a business if they don't return my money and I'm up against a deadline as well and they want to take their sweet time even responding to me. They have no phone number to actually speak to anyone
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 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 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 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 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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX  : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Mortgage

My loan was cleared to close on XX/XX/2020. We finally were able to get the loan closed on XX/XX/2020 with a Right to Cancel deadline date of XX/XX/2020. Disbursement date of XX/XX/2020. 
On the day the loan was supposed to fund, the Lender informed me : There are some loans currently still in the funding queue with document dates in XXXX that they are pushing through. I understand the back log is frustrating and they are working through the loans as fast as they can. 

Meanwhile, my clients loan payoff and rate lock is only good until XXXX  XX/XX/XXXX. The Lender has still not informed me who will be paying the daily interest and any fees associated with them not funding the loan. 

Another issue is now that we've closed and we're past the 3 day Right of Rescission, we're stuck here and are unsure what actions we can take. 

These actions are going to create significant adverse actions on all the clients/borrowers they're closing loans for, this could include negative credit reporting and additional costs to the borrower. 

This Lender is still advertising the lowest rates in the wholesale market and they're not even able to maintain the obligations they currently have to the existing consumers. What actions can we take with this?
Product: Credit reporting

I received a copy of Equifax credit report on XXXX/XXXX/15 and noted a hard inquiry from XXXX XXXX dated XXXX/XXXX/14. I called XXXX XXXX and requested reason as to why a hard inquiry on Equifax report when there was no request, of any kind, for credit, but rather the opening of a savings account on that date. I was told by representative of XXXX XXXX that " That was the way we 've alway 's done it ''. 
I informed them, I felt, a hard inquiry, which results in a lowered credit score, was inappropriate for the opening of a savings account and that I would file a dispute with Equifax. I did. 
Apparently, Equifax simply contacted XXXX XXXX and verified that they intended to make a hard inquiry on that date, regardless of the reason, and found in there favor. 
I submit that proper procedure, as I understand it, has always been that a hard inquiry to a credit report, which does in fact affect a credit score and therefore someones credit worthiness, should be initiated only in the event of a request for credit, in some fashion, and not at the vendor 's random discretion as in this case, the opening of a savings account. 
End result was that my credit score was lowered for opening a savings account. 
Does this seem fair? XXXX XXXX and Equifax seem to think so!
Product: Credit reporting or other personal consumer reports

Since filling a complaint with The CFPB my credit score dropped by XXXX point with no explanation. Experian has retalated. Experian has also continue to provide incorrect information on the account of known coorporation that are in volation with the Federal Goverment who has been taken to court and found to be guilty of practices by buying debt and placing the cost back on the consumer. The XXXX XXXX case give clear testimony on the issues of coorparation money laundeing and fraud. Experian a forgion company that has cause injury to the consumer by making the consumer pay for reports and pay for further information that is incorrect on these reports. This misuse of infromation has caused harm. This informaiton will be past on to the Federal Government and Treasurey for audits of both Experian and CFPB which is supose to be protecting the consumer again such practices. Experian must remove this infromation from the report pertaining to XXXX XXXX XXXX. and other fake corporations that pretends to be operating under the Law as an ethical business.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my FICO score went down 17 points because of ONE INQUIRY. 
Must have a glitch happening, I have new credit, no way I lost 17 points for ONE INQUIRY!
Product: Mortgage

I am a 100 % XXXX veteran who has tried many times to get mr.cooper to adjust my account for my approved property tax exemptions for my XXXX thru the state of texas. I have submitted my state XXXX federal documents to them many times and tried calling and emailing them to get resolution and nothing is happening. This company is a bad company and seems to do things like this to many homeowners in state of texas. 
Mr.COOPER is still pulling my escrow taxes from me after i have submitted all required documents and they wont acknowledge my XXXX documents for tax exemption. 
I have contacted state governor, the district attorney and nothing seems to be done. 
Is there anyone who can help omg.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft at the beginning of the pandemic and I have been affected ever since. I have called the companies and spoke with them in length that these items are not mine. I have done everything I can to have these items removed. They are effecting my everyday life I literally have anxiety attacks over this identity theft. The people who stole my identity filed fraudulent claims against my identity credit cards and its pandemic unemployment benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. Cut my limit from XXXX to XXXX I owe XXXX was never late and never missed a payment since having the card they hurt my credit rating and caused undo stress in these hard times this happened on XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you 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 an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/2022 XXXX XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$330.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  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 in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I dealt with a fraudulent organization that appeared to be operating out of a call center in XXXX, with a US connection. 
It had sent a pfishing email claiming to be Pay Pal. 
My real Pay Pal account was hacked and depleted of all its money. 
I spoke at length today with the fraudulent scam organization with the following phone number : XXXX XXXX XXXX XXXX I gave them my social security number and other identification. 
This is a sophisticated operation. It stole at least {$1200.00}. of mine. It appears legit.
Product: Credit card or prepaid card

I have a fraud alert and their security Team refuses to call Me and clear it my app is pending approval but they dont care to call me and take care of it its a simple verification process their giving me such a hard time what a horrible experience company