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

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 XX/XX/year>, XX/XX/year> AND XXXX XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX  My only employer is : Lumen My only phone number is : XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office , and they are not reportable as per the FCRA, since they are inaccurate. Sincerely, XXXX XXXX Enc. PassPort, SSN Card, and Proof of Residence
Product: Vehicle loan or lease

The company is usa auto sales they went bankrupt and transferred my account to Westlake financial. The amount is in correct and payments wasn't received cause the amount that's owed is not correct I paid more than was reported cause alot of times I paid with cash. They took premium payments from me also.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian- Look how inaccurate they are. Very strange they dropped my score XXXX XXXX for NO reason at all!!!!! And still reporting inaccurately. I filed a dispute with yall and the next day less XXXXXXXX XXXX no reason at all or explaining. They still are reporting accounts not open, cards that I was an authorized user in that were closed 8 months ago- they are dropping my score every week no reason at all - please investigate them Im about to file with the court- they have a 2014 Bankruptcy reporting when it was suppose to be off - numerous inquires not authorized. Saying Im over 110 % on a closed card through look at attached. Its ridiculous
Product: Debt collection

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) with the account number XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Mortgage

I contacted my mortgage lender, Wells Fargo Home Mortgage to request a loan modification. I am in a Chapter XXXX bankruptcy. I am current on the post-petition mortgage payments, but I would like to modify the loan because I want to bring the loan current so that I do not lose my home because I am not able to sustain the bankruptcy payments so it will eventually dismiss. After getting the approval of my BK Attorney, XXXX XXXX to speak to me regarding my loan, WFHM took me through a series of questions to determine if I was eligible to apply for the modification. They advised me that I was and began to collect my financial information ( i.e. income and expenses ). They quickly denied my loan modification request, when I asked why, I was told it was because I was in bankruptcy. I asked for more details, they could not provide. I do feel that this is a mishandle of my loan which could cause me to loss my home to foreclosure. How can you approve me to apply for a loan modification while in bankruptcy and use the bankruptcy as a reason to deny it? I want this investigated as I believe my loan modification request has been handled negligently.
Product: Student loan

On XX/XX/XXXX Ombudsman Case XXXX states : my Navient account is in deferment until XX/XX/XXXX. Two loans in my account were put into repayment status since this without my permission/consent. Navient has again ballooned principal balances on my most expensive loan and another loan in a fraudulent, criminal manner. It continues to mail documents it will not include on its website as documents we 've sent to you. It will not include on its website any documents I 've sent to it. A Navient Advocate writes in email it will get back to me after a different mailing from XX/XX/XXXX and did not get back to me. I have requested only written communications with the office of the advocate. Written email communication is not made available to me by the office of the advocate. Navient is continuing to create XXXX XXXX and hardship to my by refusing to service my loans according to my request.
Product: Credit reporting or other personal consumer reports

I contacted TBOM/MILESTONE to ask for a complete accounting and record of payment. They said it was to old. The representative said unable to locate record. By FEDERAL LAW I SHOULD BE ABLE TO HAVE A FULL ACCOUNTING OF TRANSACTION. I have a 30 day 2019 late payment on all three credit bureau XXXX, XXXX AND EXPERIAN.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my credit report. I am a natural person and a living individual, entitled to rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681. It has come to my attention that XXXX, Transunion and XXXX are governed by this statute, has violated my rights multiple times. 
The account in question is : XXXX XXXX  XXXX Account # XXXX This account is not mine, and the creditor has failed to verify it as belonging to me. I sent a letter requesting validation of this debt on XX/XX/year>. To date, XXXX Bank has not provided a response or the original contract with my original signature. This lack of response is a clear violation of my rights under the FCRA. 
According to 15 U.S.C. 1681, I have the right to privacy. I did not provide XXXX, XXXX, and Transunion with written permission to furnish this account, and therefore, they have no right to report it. Furthermore, XXXX, XXXX, and Transunion are falsely reporting a charge-off associated with this account, which is entirely inaccurate. The information provided by XXXX. XXXX, and Transunion is both false and misleading. 
By reporting this false information, XXXX XXXX, and Transunion has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Additionally, XXXX XXXX  , as the data furnisher, has also violated my rights under 15 U.S.C. 1681s-2 ( A ) ( 1 ), which prohibits furnishing information if they know or have reasonable cause to believe the information is inaccurate. 
I demand that the erroneous information be removed from my credit report immediately, as required by law. Please provide written confirmation that these items have been deleted or, if you decide to verify them, provide the name, address, and telephone number of the party that verified the information. 
Thank you for your prompt attention to this matter.
Product: Debt collection

I am writing to formally dispute the National Credit Systems has reported to the credit bureaus regarding my account with XXXX XXXX XXXX  XXXX. I believe this debt contains inaccurate information and may not be valid under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). 

Specifically, the apartment complex in question has double-charged me for a fee, resulting in an inflated balance. I have attached documentation supporting this claim, including receipts and correspondence. The balance saying I owe from the credit company is not correct. I reached out to the apartment complex to let them know the amount owed is incorrect. They refuse to work with me or review the incorrect charges.
Product: Credit reporting or other personal consumer reports

there are unauthorized inquires on my credit report, and my address is XXXX XXXX XXXX XXXX XXXX ny XXXX no other address should be reporting. I have no association with any other address
Product: Debt collection

I received the attached correspondence from XXXX XXXX XXXX. I have not lived in XXXX XXXX since 2015, and I have not drove since then - I never had XXXX XXXX insurance
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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, credit repair services, or other personal consumer reports

I have sent XXXX, XXXX, Experian multiple letters disputing multiple inquiries that I did not approve of. I will attach three letters that I have sent XXXX   ask them to investigate theses inquires and it seems to me like they just give me the runaround.
Product: Mortgage

XX/XX/2021 The VA loan that I applied for was first a construction loan to build an XXXX home and then turned into a conventional loan a month after the house was completed which occurred on XXXX, XXXX 2021. Then, the mortgage payments started on XX/XX/2021 Prior to the transition to a conventional loan from a construction loan, I asked GSF on several occasions over the phone that I would want to put down money to lower my monthly payments. I was informed that, I would be able to do this at a later date in the loan process. 

Also prior to doing a buy down to lower my interest from XXXX to XXXX, I once again asked if I could give the additional money then to lower my monthly payments and GSF said, '' No, '' that I would be able to do that transaction at a later date. 

After the loan transitioned from a construction to a conventional, once again I spoke to them to put down additional funds to lower my monthly payments. At this point, I was told that, I could put down additional funds but, my monthly payments would not be lowered, only the principal would be lowered.
Product: Credit reporting or other personal consumer reports

According to 34 CFR Part 99 Family Education Rights and Privacy, the credit agencies XXXX, Equifax, and XXXX are listing my confidential information regarding student loans on my credit report without my written authorization. The Code of Federal Regulations state that a third party must obtain " written authorization '' from a student to share confidential information from an educational institution. 

XXXX is currently being sued by the CFPB for failing to handle disputes properly ( XXXX XXXX. XXXX ). Please see that this complaint reaches them.
Product: Credit reporting or other personal consumer reports

I definitely disagree with the account listed below which still appears on my my credit report, definitely after your investigation. The investigation could not have been properly done. I would like this account re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act, Public law91-506, Title VI section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX years old and a co-signor on a student loan administered by Navient. The loan dates back 11 years or more during which time payments were made timely. Recently, I received word from XXXX  that a negative credit report had been made against me by Navient because of a late payment on the account. Apparently, the primary borrower failed to make a payment. This was the first notice of any kind that I received to the effect that the account was in default. I immediately brought the account current. As it turns out, Navient did not notify me of the delinquency because it did not have accurate contact information for me. This is hard to understand because it had been receiving payments from me for years. In short, Navient completely failed to notify me, the co-signor, of the account delinquency before filing a negative report about me with the credit reporting agencies. The negative effect of Navients report on my credit score has been significant. My credit history is otherwise exemplary. Ive asked Navient to retract its report and it has refused.
Product: Credit reporting or other personal consumer reports

I am requesting the removal of specific accounts and inquiries from my credit report, as well as the correction of inaccurate information, such as late payments. These items are fraudulent and were not authorized by me. 

Below are the details of the accounts and inquiries that I did not open or initiate, as well as the inaccurate information that needs to be corrected. I expect these fraudulent and inaccurate entries to be thoroughly investigated, blocked, and removed from my credit report to reflect my true credit history. 

Fraudulent Accounts/Inquiries : XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/year> - INQUIRIES/ TRANSUNION
Product: Debt collection

I called company XX/XX/XXXX received a notice about debt I never received a bill showing that it was my debt and when I ask for bill because I needed to verify that it was my account I was told it needed to be paid in full and I couldnt get a bill I needed to contact company.i was also advised that when I called back I needed to make a payment and they dont accept settlement amounts .the billing date was XX/XX/XXXX and debt just showed on report XX/XX/XXXX XX/XX/XXXX
Product: Student loan

I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Product: Credit reporting, credit repair services, or other personal consumer reports

According to all major credit bureaus, XXXX continues to compromised credit score due to its reporting, disbursements on credit file which contains the same account number beginning with XXXX is grouped in series late payments at the same time. The credit bureaus display as if the account is late 28 times, however its only four late payments. According to FCRA, this is an incorrect infraction against the consumer. The reporting has compromise credit score along with creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

The incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to deleted immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit report XXXX credit report XXXX credit report They all have wrong information on my credit report plus old account number and old information still they that are not allowed by law after 7 years to be there
Product: Credit reporting or other personal consumer reports

Thank you for addressing some of the inaccurate entries in my credit report. However, there are still remaining items that need to be corrected. According to FCRA section 605, any items listed in an Identity Theft Report must be removed. I am providing Identity Theft Report # XXXX again. Under FCRA section 605B ( a ) ( 1 ) ( 2 ), you are obligated to remove any information in my file resulting from an incorrect credit report entry within 4 business days of receiving ( 1 ) proper proof of my identity and ( XXXX ) a copy of the identity theft report : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX -- -- -- -- -- -- EQUIFAX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Please be aware that you have 4 business days to delete any items in my credit file resulting from false credit reporting. I do not consent to XXXX or any automated verification methods. I expect a prompt resolution within this timeframe.
Product: Mortgage

I have two issues : 1st complaint I refinanced my mortgage last year to lower my payment. It cost me thousands of dollars to complete the refinance ( I was aware of this ). Then a couple months after the refi closed, my payment went right back up to where it started. They blame it on escrow being undercalculated. I believe this is done intentionally to get people to pay thousands of dollars in fees and points, then knowingly lower escrow amount to make it look like your payment will go down when in reality it will go back to where it started. Basically, my principle went up about {$10000.00} and a couple months later my payment was back to where it started. 


2nd complaint I recently sold the house ( closed XX/XX/XXXX ) Somehow, after the payoff statement was requested my principle went up {$1500.00} from the prior statement. 

I have spoken to Rocket Mortgage and I can not get a straight answer on either one of these issues. The last person I spoke to would only tell me " that's how it works ''
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX  Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report. 


5. there is some inaccurate information reporting. 
XXXX XXXX  XXXX Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES Chapter XXXX Bankruptcy Case Number : XXXX Delete this account. 


7. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Delete this account. 


8. The inquiry was not authorized XXXX  XXXX A Date of inquiry : XX/XX/2023 Delete this account. 


9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 


10. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXXXXXX 11. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very curious how and what change in my Experian Report. Sold my home in XXXX paid off all 99.99 % of my debt same month. My score jumped up over XXXX. Now with no changes for almost 5 months just today my points decreased by XXXX points why the other XXXX credit agency still hold over XXXX credit score. I would need a explanation what Experian did to my report in the last XXXX hours.