23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage loan number XXXX, from the XXXX XXXX XXXX XXXX, I received an email on XX/XX/XXXX  that my account is transferred, Your mortgage for XXXX XXXX XXXX, XXXX, FL XXXX was officially transferred to Valon Mortgage on XX/XX/. You're still a XXXX customer, but as your new mortgage servicer, we'll be your point of contact for managing your mortgage. ( ( XXXX ). 
I, XXXX XXXX XXXX XXXX, have made advance payments with XXXX XXXX XXXX until the month of XXXX, I only have the payment left for XXXX XXXXSend an email with the XXXX XXXX XXXX account statement by email on XX/XX/. ( XXXX ) I also contacted customer service number XXXX. I asked them to audit the account, to send me the conditions of my mortgage contract, they told me that I have the same conditions as my original loan. and they told me that they would send me that information, I have not received it.What I received from them on XX/XX/, a Notice of Intent to Foreclose letter. I contacted them by phone, I asked them to please solve the problem, I told them that on XX/XX/XXXX  I would send them the account statement, they contacted me with the supervisor named XXXX, she told me that she would do a review, then He calls me and tells me that I have to make a payment of {$3400.00} to stop the Notice of Intent to Foreclose initiation process. I told her that the payments were made and that I only owed the month of XXXX, she stated that I have to pay the XXXX dollars, I told her that she could only pay the month of XXXX, which is XXXX, I went to the bank and made a wire transfer for the aforementioned amount under the XXXX XXXX XXXXXXXX XXXX. 

I requested that you send me the updated account statements, my payment history, a copy of the transfer letter of the mortgage on my house from XXXX XXXX XXXX to valon, a copy of the terms and conditions of my loan, to verify if I have the Same as my original loan.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX From : XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX XXXX ] Report # XXXX This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments are inaccurate. Please Investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 
XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX I also respectfully request to be provided proof of these alleged items specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late please update my payment history to PAANL, status ( paid as agreed never late ). And supply a corrected credit report to any creditors who have requested a copy of my credit report in the last XXXX months. 
I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within XXXX  days of the completion of your reinvestigation. I also read that under federal law, you have XXXX  days to complete your investigation. 
It Is my understanding that you must validate these items with the reporting creditor for aaccurac, please remove any information that the creditor can not verify. I know this must be completed within XXXX  days of receipt of this letter, or you must remove the incorrect information. 
Please send an updated copy of my credit report to the above address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX have failed to provide me with my credit report when requested. 
After numerous attempts to rectify, success has not been met.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two creditors agreed to remove erroneous negative information from my credit report. 
They both sent me deletions letters last year as well as sending XXXX  an update request. 

Your company failed to update those accounts and in addition, when I recently disputed the accounts and provided the brueau with the deletion letters, but they came back and responded in 4 days time that the account was verified. 
I just called both furnishers who assure me that the bureaus never tried to verify the information from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX  credit card a few weeks ago but I was not approved and when I received the letter in the mail stating the reason why I was not approved, it said that I was not approved for the credit card because there are accounts in negative standing on my credit report. I didn't know what accounts they could be referring to so I looked through my credit report and I saw two accounts on there that do not belong to me. The accounts are from these companies. XXXX XXXX XXXX for an amount of {$26000.00} and XXXX XXXX XXXX for an amount of {$4700.00}. These accounts do not belong to me ; I did not open them and I did not allow anyone to open them on my behalf. I do not have any written/verbal contract with these companies nor did I benefit anything as a result of thes accounts that were opened in my name such as money, goods, services, or any other benefit. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX 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 60 days 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 21 days before the payment due date. 

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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


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


Delete the late payments from my consumer reports 8
Product: Credit card or prepaid card

My account was closed on XX/XX/2020 due to suspected fraud. I still have not received back the funds that were left on the card of {$120.00}. Unemployment agency has also tried to deposit XXXX payments of {$480.00} on XX/XX/2020 totaling {$960.00} onto that card but the account is still closed and never resolved.
Product: Credit reporting

Received free credit report from Experian. XXXX unauthorized charges appeared on my credit card.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent accounts on my credit report. I've uploaded my identity theft report to show the accounts i need removed thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

the XXXX bank account # XXXX that's reporting on my credit report has inaccuracies that makes this report invalid ... date last active XXXX XX/XX/XXXX experian XX/XX/XXXX / XXXX XX/XX/XXXX... 
DELETE THIS INACCURATE DERAGATORY REPORT THATS HURTING MY CREDIT REPORT...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX keeps changing my payment history. At first it was only one 30 day late from XX/XX/ 2020. I disputed it and it came back as accurate which isnt true. So I contacted their customer service and was told I wasnt late and they would correct it. Well today I was notified of 2 60 day lates from XXXX 2020. At this point I want the account removed from my credit report, because they are updating my credit report with inaccurate information, causing my credit score to decline on a paid loan.
Product: Credit reporting or other personal consumer reports

My accounts with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX 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.

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. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 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! 

Delete the late payments from my consumer reports
Product: Student loan

I use Nelnet to service my student loans. I applied to an income driven repayment plan. Nelnet was required to send updates every XXXX  days on the status of the application in the case that it wasn't approved within XXXX  days. The application was submitted in early XXXX. Nelnet reports they received the application on XX/XX/XXXX. No updates have been given throughout the process. 

Payment is due within XXXX month and I am unable to get a hold of anyone at Nelnet to confirm the status of my loan amount due. They have phone wait times that are seemingly endless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion and explained the federal law and that there was information i didnt consent to be on the report or i didnt report. I asked them to remove it because the items were not mine. they refused to remove. I then stated that they were in violation of 15 usc 1681n. the employee told me they knew and continue to tell me that the information will not be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX MasterCard credit card account # XXXX-XXXX-XXXX-XXXX is lost/stolen and has over {$5000.00} in fraudulent charges/transactions listed on the account.
Product: Payday loan, title loan, or personal loan

This summer in XXXX, N.C. I purchased a new motorcycle from " XXXX XXXX XXXX XXXX " and used their recommended lender ( instead of my XXXX Bank,  where I use to live ) to speed up the closing process. 

The bank I used was MB Financial Bank, XXXX XXXX XXXX XXXX, XXXX IL,  XXXX. XXXX XXXX. My loan number is XXXX. My last four SS digits are XXXX. I reside in XXXX, N.C. 

In attempts to transfer this loan to my bank, XXXX XXXX XXXX XXXX, I was told by MB 's customer service that I am not allowed to obtain even a COPY of my title until the loan is paid off. Further, if I wanted an email with my 10 day payoff it was necessary to make a written, signed request via fax. 

I made this written signed and faxed request ( Which I view as unnecessary ) and have not got a response 24 hours later. XXXXXXXX XXXX ( and all banks ) will not write a loan unless they have a copt of the title. 

As you can see, MB is doing everything in their power to prevent customers from pulling their loans to another bank. This is harassment and predatory and does not reflect standard and customary banking practices. 

I am further writing the Federal Reserve, State 's Attorney General 's office and my N.C. Motorcycle dealer to advise them of the people they are dealing with.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against the credit reporting agenciesExperian, XXXX, and XXXXfor their refusal to disclose the method of verification for disputed public record items on my consumer credit file. This refusal is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which mandates that credit reporting agencies must provide consumers with a description of the procedure used to determine the accuracy and completeness of the disputed information. 

Despite my repeated requests, the credit reporting agencies have not provided adequate information regarding how they verified the public record items on my credit report. This lack of transparency has significantly hindered my ability to rectify inaccuracies on my credit report and ensure that my credit profile is accurate and fair. 

Furthermore, I possess a letter from the Bankruptcy Court in XXXX, Maryland, which clearly states that they do not report to the credit agencies, nor do they verify and validate public record items on credit reports. This letter directly contradicts the credit reporting agencies ' claims of verification and raises serious concerns about the legitimacy of their verification processes. 

The specific provision in question, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), states : > A consumer reporting agency shall provide to a consumer in writing not later than 15 days after receiving a request from the consumer, a description of the procedure used to determine the accuracy and completeness of the information disputed by the consumer, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

I respectfully request that the Consumer Finance Protection Bureau investigate this matter and take appropriate action to ensure that the credit reporting agencies comply with the FCRA requirements. If the credit reporting agencies are unable to provide proper verification of the disputed public record items, they must immediately remove these items from my consumer credit file. The US Bankruptcy Court has made it clear that they do not report to the credit reporting agencies nor do they verify or validate such information. 

I urge the Consumer Finance Protection Bureau to hold the credit reporting agencies accountable for their obligations under the FCRA and to ensure that consumers are provided with the necessary information to dispute inaccuracies on their credit reports effectively. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my complaint.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports these creditors have violated my rights.

Permitted Uses : My credit report can only be accessed for specific purposes, including : To evaluate my creditworthiness for credit applications.

For employment screening ( with my consent ).

For insurance underwriting.

For account review or collection of an account.

Consumer Consent : My permission is required for a consumer report to be obtained for employment purposes.

Disclosure : If my credit report is used against me ( like in credit applications ), I must be notified and provided the name of the credit reporting agency that provided the report. 

I have noticed these companies and requested proof of an application or written consent provided by me to allow them to furnish inquires on my credit report or access my credit report. 

I have been a victim of Identity theft and there have been several attempts to access my credit reports and open accounts in my name by unknown people. My mail has not been being delivered, although I pay for informed delivery services via USPS, the mail scanned at the post office has not been being delivered. I have had a break in of my vehicle where valuables ( XXXX, Laptop, Portable hard drive ) were taken that stored my personal information. Since, I have been receiving bills for accounts I did not open, and I have had fraudulent transactions in my bank accounts. I also have received notices from multiple companies stating that my personal information had been leaked in a data breach. I The privacy events have severely impacted my credit score in a negative way.
Product: Mortgage

Prior to the mortgage crisis, Bank of America approved $ XXXX loan under my name when I only made $ XXXX/month. They used my husband 's income as my income so I was approved. I was making my regular payments until my husband lost his job and I called Bank of America to help us since Obama came up with the Modification program. I was given a packet that I filled out and Sent it back with all the information they needed to collect. They then sent me a " trial period '' payment of {$810.00} as my original payment was about {$1500.00}. I made my {$810.00} payments on time as per the understanding of the mortgage coupon and letter. As my coupon was running out, I called to see what happened with my loan and they said they were looking through it and to be patient. A month later I called Bank of America again to check and they told me they declined my application to lower my payments. I received a foreclosure letter and started getting letters from my credit card company that they were either closing my credit card accounts or lowering my credit limits. I thought someone was running my credit so I checked and found out Bank of America said I was late on my payment. A few months later Bank Of America sold my loan to another company. It was n't true since they said I was to make the " trial payments '' and nevwr disclosed that it would show I was n't making payments on my credit bureau. I want that record expundge because I was making payments on time.
Product: Consumer Loan

I traded in a vehicle on XXXX XXXX ( XXXX XXXX ) and bought a new car.! week later a collection agency calls me at work and was rude at best wondering why I have not made my payment on the XXXX. I explained to him that the vehicle was traded in and to who. It is a very reputable dealership. He said OK. Today he calls my wife and starts giving her a hard time and making idle threats about posting to my credit report and legal action which I think they already did because my score dropped XXXX points today after being told it was traded in and to whom. So I contacted the dealer and they are going to give me documentation that the XXXX has already been paid off by them. So it appears it is their own documentation that is not in order and now they have hurt my credit score and have phone ethics that are not very good.
Product: Credit reporting or other personal consumer reports

Hello Ive disputed this account before with XXXX system. They are reporting a collection as an open and past due account. They are also sending me a bill for XXXX but reporting {$190.00} to credit bureaus. This is inaccurate reporting. I am keeping dispute letters on file and their responses. My next step is to file a complaint with the state attorneys office if this item is not removed. I also asked them to cease all communication and they keep contacting me. I attached a copy of the collection for your reference
Product: Credit card or prepaid card

Barclaycard Cash Forward credit card advertises online that their online application process is easy and instant approve or deny.  So I applied and immediately got an online message that my application could not be decided upon and I would be contacted by mail in a few weeks.  Today I received a letter in the mail saying they cannot process my request until I send them copies of my drivers license, social security card, and bank statement with name and address. No way to contact them by phone or internet was in the mailing I received. Since those are not documents I am willing to send in the mail or fax, I searched online for their customer service phone number and eventually got through to someone who could tell me what was going on. They said my application was already denied, but could be reconsidered if I send those documents.  But the documents are only identification documents, nothing to do with whether I am deserving of credit. (In fact, I know I have a FICO score of XXXX.)  I told the person I want to withdraw my application but she said I cannot since they already put in the request, I can only wait 30 days to let it expire.  Since I have a very high credit rating, this tells me that their online offers to lure people to apply for credit are fraudulent; presumably all people who do are denied at first. Now I anticipate when I go to apply to a different company, my records will show I have an open application somewhere else which will automatically get me denied. And each denial will lower my credit rating more. And with my high credit rating I should never have gotten any denials.  I asked if there was a different person I could speak to and she told me know, I cannot do anything but mail or fax all those documents.