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

Dear Credit Bureau I am writing to bring to your attention an erroneous late payment entry on my credit report, which I believe to be a violation of my rights as a consumer. As per the Fair Credit Reporting Act ( FCRA ), it is crucial that accurate and fair information is reported by credit bureaus. 

I have recently reviewed my credit report and discovered a late payment record from XXXX XXXX XXXX dated XX/XX/year>XXXX  and XX/XX/scrub>XXXX XXXX However, I firmly believe that this late payment entry is incorrect and should not be associated with my credit history. I have diligently maintained timely payments with XXXX XXXX XXXXXXXX and have no record of any late payments. 

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  Account # 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. 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. 

I kindly request that you conduct a thorough investigation into this matter and rectify the erroneous late payment entry on my credit report as soon as possible. Under the FCRA, I am aware that each violation may result in a penalty of {$1000.00}, and I expect appropriate action to be taken to address this violation. 

Enclosed with this letter, please find copies of relevant documents including payment receipts and statements that support my claim of timely payments. I urge you to consider this evidence during your investigation. 

I expect timely resolution of this dispute and a written response within 30 days as mandated under the FCRA. Additionally, I request that you provide me with an updated copy of my credit report reflecting the removal of the inaccurate late payment entry. 

Thank you for your attention to this matter. I trust that you will handle this dispute promptly and in accordance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

i applyed for a home loan on or about XX/XX/23 i was denied based off my credit and the color of my skin they never reviewed my check stubs they never let me send them in the just denied me i was pre approved and when i applied i was denied
Product: Consumer Loan

XXXX has listed on my credit report a debt that was abolished by Mariner Finance in XXXX 2013. This was a joint account as I co-signed for a coworker to purchase a used car but Mariner Finance has been listing account as an individual account. Mariner Finance agreed to relieve me of all financial obligation, garnishments, and prompt deletion of credit entries in exchange for a one-time payment of {$3000.00}. The payment was immediately rendered and the stipulations were signed by a judge of the XXXX County District Court that same month. XXXX keeps verifying the debt as valid because Mariner Finance is supplying fictitious information because collection efforts remain in effect for second party on account. XXXX County District Court has assured me that they do not verify debts, make entries to credit reports or make deletions. XXXX County District Court has assured me that they do not verify debts, make entries to credit reports or make deletions. XXXX credit bureau is also listing the erroneous account by Mariner Finance as past due in the amount of {$1500.00}. I have been fighting with this company over this issue for approximately 2 years. 
I need the judgment and the erroneously reporting account deleted from my credit bureau reports as promised. 
Licensed by the Maryland XXXX # XXXX
Product: Checking or savings account

I trie to reach the bank many times to open a dispute and was impossible, I submited a claim trough CFBP on XX/XX/XXXX under this number XXXX The the bank reached me long time after saying they cant open a XXXX due the long time. 
Need to insist in the XXXX request because is the bank fault that nobody takes cares about this. Also I tried to call again last week and that department doesnt have direct line, so need to request a call back but im not in XXXX XXXXXXXX so they cant reach me in an XXXX  phone number. 
The bank put a lot of difficulties to process a claim...
Product: Credit card or prepaid card

My stimulus check is bottled up with American Express Serve ( dba American Express National Bank, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, UT XXXX ). 

The IRS notified me ( via an email ) that the funds were deposited into my Serve account on XX/XX/28 but it does not show up in my Serve account ( screenshot of IRS notice is attached to this complaint ). The Serve website says Serve would send him an email to notify me when funds have been deposited, but I've not received any email. And they are not taking any calls on their website. 

I have sent them a letter ( US Post Office ) but have not heard back. 

I've contacted American Express, the apparent parent company, but their phone reps say there's nothing they can do but take down my complaint.
Product: Mortgage

My wife and I applied for a mortgage refinance in XX/XX/2020 and still have not received a formal approval and a closing date for the mortgage refi. PenFed has apologized profusely and told us they don't have the staff to process the number of refis that are pending in a timely way. They told me they have hired contract employees and others to help the process, but at least some of them are either unresponsive or poorly trained and take forever to do the simplest of tasks. It took months just for the underwriters to finally decide that we meet the requirements for the refi, but that happened more than a month ago and everything now seems to be stopped. The loan officer and her manager don't seem to be able to get a status out of the mortgage processing group and are now telling me they are waiting too. There seems to be no one in charge managing this process so their customers are just left blowing in the wind. This is particularly galling because my wife and I have our existing mortgage ( that we are trying to refinance ) with Penfed and also 2 credit cards with them, so they are very much aware of our financial status. Finally our credit scores are around 800 so there is no reason this process should be taking this long.
Product: Credit reporting or other personal consumer reports

Tranunion stop stalling my dispute letters saying you never received. Now the cfpb has the same documentation. Investigate my dispute under FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that 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 should be deleted immediately or I will file for litigation due to XXXX XXXX XXXX XXXX XXXX. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the following items as they are fraudulent & were opened without my consent or knowledge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Leaving me voicemails claiming to issue papers to me and if I am not home, they will report it as a missing court hearing. Also claiming that they have sent me certified mail to an address I do not live at. When I asked them to resend the letter to my correct address, they refused and said they already did their part.
Product: Credit reporting or other personal consumer reports

Company reporting fraud account to my credit bureau as accurate when it is an identity theft account. Company started my social security number different than the one they have or pulled for the card. This has been nice by XXXX several time and. This company verfies this account belongs to me but refuse to give any information or produce a 1099 for this fraudulent charge off. Company verifies that my social security number is different than the one they have.
Product: Debt collection

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Genesis Financial Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Genesis Financial Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am sending this letter regarding unfair business practices from Genesis Financial Services, Card Services. 

I, XXXX XXXX, called Genesis FS Card Services on Tuesday, XX/XX/XXXX, to pay a debt that I promised to pay when I got paid. As promised, I did just that. 

I paid my debt off of {$580.00} on Tuesday, XX/XX/XXXX and requested a conformation number, and a payoff letter so I could send it to all of the credit bureaus because I am trying to repair my credit. The representative said that Genesis FS Card Services would be sending the letter to me by regular mail in thirty ( 30 ) days, but instead I received the attached Exhibit A letter in regular mail dated Wednesday, XX/XX/XXXX stating : This letter is to notify you that your above referenced Account has been charged off due to delinquency with an outstanding balance of {$580.00} and sold to the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX. 

Also, the representative claimed that they could not find a conformation number in the system to give me. This comment caused concern because dating back to XX/XX/XXXX whenever I made a payment, I have always received a conformation number immediately. Curiously, when I made the big payoff, they could not find a confirmation number to provide to me. Unfortunately, I was on the telephone with the representatives for almost two hours, being jerked around ; but, I still paid the balance off with my debit card. My card is showing the proof of payment of {$580.00}. Please see attached Exhibit B. 

I would like this matter investigated, and explained to me and the other agencies that I will be sending this letter to. 

I would like an explanation of why I am being harassed and discriminated against, in such a manner to destroy his credit. 

I would like to reiterate that I made the payment on Tuesday, XX/XX/XXXX and four weeks later I received a letter in regular mail on Wednesday, XX/XX/XXXX stating that my account is being sold to a collection company due to delinquency. 

PLEASE EXPLAIN HOW IS MY ACCOUNT IS DELINQUENT, WHEN MY ACCOUNT WAS PAID IN FULL, FOUR WEEKS PRIOR TO RECEIVING THIS DISTURBING LETTER, IN THE FIRST WEEK OF XX/XX/XXXX... 

You can reach me at the above address, telephone number and/or email address. 


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

I have contacted XXXX multiple times through dispute letters, and First Interstate Bank has had them verified with incorrect and missing information. I will attach a copy of 2 accounts reported by XXXX and verified by First Interstate Bank. These accounts both have the same account number. I only remember 1 account, since I would not not need a 2nd account with the same credit limit, both are joint. This is an error on First Interest Bank reporting 2 accounts with the same account number. I contacted First Interstate bank and asked them for a copy of the payment history I was told First Interstate Bank that they did not have any reports for this account number. The account number as reported by XXXX XXXX .... FIRST INTERSTATE BANK This was reported by XXXX Report # XXXX for XX/XX/XXXX. the only difference was one account was reported as opening XX/XX/XXXX and the other account opening XXXX of XXXX since there is no other way to see any difference i will use the date opened. The XX/XX/XXXX- has Terms Not Report INACCURATE, Monthly Payment Not Reported INCOMPLETE, Recent Balance Not Reported, This account shows an open date from XX/XX/XXXX and closed XXXX XXXX ( 4 Year 1 month ) The payments history shows only 12 payment periods. Yet when I asked for a payment history from FIRST INTERSTATE BANK could not provide a payment statement. The second account with the same number which was opened XX/XX/XXXX shows Terms for ( 1 months )??????? There are 12 months reported on the payment history. The 2nd account with same number has an opened date of XX/XX/XXXX This account shows closed XX/XX/XXXX. How can an account be closed before it was opened INACCURATE??????? On this same account information such as monthly payment and Recent Balance are not report INCOMPLETE, This was verified by FIRSTINTERSTATE BANK. There are so many mistakes on this report from XXXX that have been verified by FIRST INTERSTATE Bank. FCRA Section 609 and 611 require creditors and credit reporting companies to provide accurate information on credit reports. If accurate information can not be provided then the account is to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan with Chrysler Capital shows as a right off, bad debt, when the loan was paid by the GAP insurance on the vehicle after an accident that resulted in a total loss of the vehicle. It shows as a charge off, bad debt.
Product: Mortgage

I applied for 2 loans with the same lendee. Loan Depot. They took all my information via phone, told me everything looked good. 
They asked me for {$850.00} to appraise, both properties. 
Then they denied my loan. 
They never bothered compensating me the {$850.00}. 
What can I do???
Product: Credit card or prepaid card

As times are bad financially, I have been a bit behind on the monthly payments. Of course here come the {$38.00} late fees. I have called and wrote the company -- -Capitol One -- to ask for am easier monthly pay plan till my financies improve, but was denied. I did request the late fees -- 3 and counting -- be waved during this and was of course denied. Yes, the company does have this right but that does not mean they HAVE too. All payments not their minimum will be given late charges. Pure..FREE.. money for this company. What can be done???
Product: Mortgage

Comments Complaint of Wrongful and illegal Foreclosure I XXXX XXXX need your help, in finalizing my loan modification that 's has been approved by bank of America Home Loans ; however the Bank of American attorney has repeatedly tried to sell my property out from under me through Sheriff Sale Auction even though I was approved for modification on or around XXXX/XXXX/2016. 
I'am concerned that the judge and magistrate in the XXXX XXXX XXXX XXXX Court Case # XXXX is showing favoritism towards the attorneys for bank of America and continuously have not answered or addressed any of my motions which I have attached to this cover letter. I am currently still working with my relationship manager at bank of America XXXX XXXX to get this matter resolved but she seems to go back and forth concerning the approval of my loan medications My Relationship said she spoke with the bank of America attorney to hault the sale but she stated the attorney moved forward anyway. 

I XXXX XXXX really need your help and assistance to keep and redeem my property from for closer, please see my motions I filed with the court attached to support my case. Thankyou for your consideration in this important matter. 

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

I never gave Experian prior written consent to report any of these inquiries on my credit report. They violated my rights under 15 usc 1681b permissible purpose. I filed an FTC report about this and included that too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$350.00} XXXX XXXX XXXX {$600.00} XXXX/XXXX  XXXX {$390.00} XXXX/XXXX XXXX {$1600.00} XXXX XXXX {$480.00} XXXX/XXXX  XXXX {$350.00} XXXX  XXXX {$350.00} XXXX XXXX XXXX {$400.00} XXXX   XXXX {$390.00} XXXX  XXXX  XXXX {$170.00} XXXX  XXXX  XXXX {$350.00} XXXX/XXXX   XXXX {$400.00} CHAPTER XXXX BANKRUPTCY XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The day my loan was funded, I made a payment of {$500.00} the same day. It was not applied to my loan immediately. The payment of {$500.00} was to go directly towards principal and it never was. Thus, I have been over paying interest this entire loan. I will make a payment days earlier than my due date and the interest paid remains the same as if I waited the day the payment was due. 

As a result, I have overpaid interest over hundreds of dollars. Please apply payments the day they were submitted and recalculate the principal and interest. Overall, I should owe less.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase card has not updated my balance which is XXXX $ with the credit bureaus.
Product: Credit reporting or other personal consumer reports

My XXXX credit report hasn't been updated since XX/XX/XXXX. it has alot of outdated information which is causing me issues with new credit and posting wrong information that does not belong to me and has a fraud alert that shouldn't be listed. There are old addresses that are not associated with me. my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please remove all other addresses. My information was compromised before and this information needs to be deleted. There are 3 inquiries that should have been removed in XXXX that has not been removed and its reporting in accurately thats against FDCPA and FCRA. This goes against the bureau 's ; laws. I am suppose to be getting approvals however I am getting denials on falsely reported data. Equifax and XXXX all are reporting outdated data and inquiries that have not been removed its been 5 years. its a bunch of fraudulent addresses im sure they know a person cant move all those times and my name is incorrect and differs from my license. They are paid by creditors to furnish outdated debt through a system called XXXX XXXX this is a conflict of interest and unfair to citizens that pay their bills on time, this has put me in a financial bind
Product: Credit reporting or other personal consumer reports

I am asking to dispute the validity of several accounts listed on my credit report, which I did not initiate and strongly suspect to be fraudulent.
Product: Money transfer, virtual currency, or money service

I transferred XXXX Stellar Lumen cryptocurrency worth US {$76.00} at the time to my account at Coinbase, following their instructions. When the money was not received I asked about it and they claimed I had to send them more of the same cryptocurrency to prove the transfer was for me. I told them I sent all I had, and all they did was parrot the same lines again, and later on, ignore me. They are supposed to return the crypto to the originating account after 30 days if they can't apply it. Instead, they fraudulently kept it for themselves. The record of the transfer transaction is here : XXXX XXXX XXXX
Product: Debt collection

This information is incorrect on my credit report. This account has been discharged and is no longer owed by me. I requested validation and verification of this account with no response. This account is negatively affecting my credit report and score. Under the Truth and Lending Act- here are the violations that have taken place ; 15usc 1681 Accuracy of fairness of credit report. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15usc 1681b Reasonable procedures.

It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

15usc 1692A consumer has a right to privacy 15usc 1692A-3 a natural person alleged to owe a debt 15usc 1692A-2 communication via any medium 15usc 1692A3 the term creditor means any person who extends credit - creating the debt 15usc 1692A5 A debt is any obligation or alleged obligation therefore, you can not prove it so you must remove it.