23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I made my XXXX mortgage payment to Guaranteed Rate which posted on XX/XX/year>. They transferred my loan to Shellpoint Mortgage in XXXX. The XX/XX/year> payment was transferred to Shellpoint and credited effective XX/XX/year> resulting in an additional 20 days of interest accrual. I contacted them to ask that they adjust the effective date back to XX/XX/year> so that the interest and principal would be credited correctly. I have contacted Shellpoint by phone, uploaded documentation on their website, submitted a webform inquiry, and emailed documentation. I am told each time that they are sending messages to some processing department that can not accept phone calls. No one gets back to me, nor have I received any correspondence as to the status of my request. It has been almost XXXX weeks since the payment was misapplied, and I have no confidence that anyone is taking ownership of the issue. They refuse to give me any estimated timeline or window for resolution, just that I will need to keep on waiting. I am hoping to get some assistance to have my payment applied correctly. I have attached documentation of the original payment posted on XX/XX/year> by Guaranteed Rate, the original lender.
Product: Debt collection

LVNV Funding is reporting a debt on my credit file that I do not know what's it's about. But as soon as I found out I paid the debt. This is a violation of my 30 day right to dispute. I never received any calls or collection notices regarding this debt, and it's already on my credit. This is erroneous!
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX I have been disputing with TRANSUNION via certified mail for the last year or so about a reporting error that needs to be corrected, Yet TRANSUNION always comes back and says that the account was verified as accurate. XXXX XXXX ACCOUNT NUMBER : XXXX continues to report that it is 90 days past due for XX/XX/XXXX. This can not be humanly possible seeing that the previous month XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were reported on time. I have mailed in dispute letters with a copy of my drivers license and a actual print out of the actual credit report where the error is being reported, Yet month after after month I always get the same result without any real investigation taking place. This has caused a great deal of stress to me because it's clear as day that this account is being reported inaccurately! TRANSUNION has violated FCRA 15 U.S.C SEC 623 ( b ) Duties of Furnishers of Information upon Notice of Dispute ( 1 ) In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681i ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall ( A ) conduct an investigation with respect to the disputed information ; ( B ) review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C ) report the results of the investigation to the consumer repo ting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, re- port those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. I have attached proof for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX XXXX XXXX XXXX Wrong Addresses : XXXX XXXX XXXX AV XXXX, FL XXXX XXXX XXXX XXXX AV XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I noticed my credit score went down significantly at the end of XXXX and beginning XXXX. I called JCPenny in XX/XX/XXXX, was informed they could see in the system my payments in XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. I asked if they received my payment why their system reported to the credit. Bureau 3 x 30 late payments for XX/XX/XXXX, XXXX, XX/XX/XXXX. They said they would send update to credit bureaus to clear but would take XXXX days. I called back in XXXX and went through the same thing again. I am so frustrated 8 months later still my credit shows 3x30 days late when JC Pennys on 2 occasions have confirmed I was not late. 

I also contacted each credit bureau online multiple times and still not removed from the credit bureaus. 

How do I fix this? As a consumer I feel totally unable to resolve this issue.
Product: Credit card

I received a letter via mail to my home address under my name. Inside the envelope was a debit card assigned to me that I never heard of or authorized to be opened. When I called the company that sent it to me, they asked me to verify information such as username that I don't know since I wasn't the one who opened the account, but whoever did, has my information. After going in circles with them, they finally told me the account was closed and confirmed it was opened online and to report it as identity theft. I asked if they can forward me something in writing and they said they couldn't without a police report and a picture of my ID which I was hesitant to do. There is a bank associated with the debit card that is also opened in my name. I already put a block on my credit to avoid attackers from opening more cards under my name, however, it seems that they can still open debit cards under my name. I need to put a stop to this as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX and XXXX regarding their unlawful actions and inaccurate reporting of my credit account with GM Financial. Despite my repeated efforts to rectify the situation, XXXX has persisted in reporting my account negatively even after I filed a XXXX  of XXXX with GM Financial. This has resulted in severe harassment, bullying, and an inability to terminate my contract without further detriment to my credit report. 

My grievances against XXXX are outlined as follows : 1. Violation of Consumer Rights : XXXX and XXXX 's actions flagrantly violate my rights as a consumer, as outlined in 15 U.S Code 1635. Despite my exercise of the right of rescission by filing a Recession of Contract with GM Financial, XXXX has continued to report my account negatively, obstructing my ability to exercise my legal rights. 

2. Inaccurate Reporting : XXXX and XXXX persistently reports me as late on payments to GM Financial, despite my consistent and timely payments with no outstanding dues. This erroneous reporting has marred my credit history and exposed me to unjust financial penalties. 

3. Harassment and Bullying : XXXX and XXXX 's continuous negative reporting has subjected me to relentless harassment and bullying from GM Financial. Despite my XXXX XXXX XXXX, GM  Financial refuses to acknowledge it and insists on penalizing me for fictitious delinquencies, causing significant emotional distress and financial hardship. 

Furthermore, on XX/XX/XXXX, XXXX and XXXX reported a late payment to XXXX XXXX and XXXX, despite my timely payment of my car note. This action egregiously violated my consumer rights. Although XXXX and XXXX corrected the status the following day, my XXXX XXXX on XX/XX/XXXX erroneously shows late payments of XXXX days, causing me considerable mental distress. 

I am invoking my rights under 15 U.S. Code 1640 and 12 CFR Part 1026 ( Regulation Z ) to seek civil liability against XXXX for their unlawful actions. 

I urge the Consumer Financial Protection Bureau to promptly investigate this matter and take appropriate action against XXXX for their flagrant violations of consumer rights and inaccurate reporting practices. Additionally, I request that XXXX be compelled to rectify the inaccurate information on my credit report and cease all further harassment and intimidation tactics. 

Attached is relevant documentation, including correspondence with XXXX, XXXX and GM Financial, to support my complaint. Please feel free to contact me if additional information is needed. 

Thank you for your attention to this urgent matter.
Product: Debt collection

This debt has been disputed and removed from my credit report and they keep re-inserting it which then plummets my credit. 
This is not my dad I have stated this it has been proven to be not mine Im a victim of identity theft going back many many many years and this company refuses to follow the law and keep this information off of my credit report. This information was removed from my credit report and one week later they re-inserted it. My bank account was compromised previously and weve even had to have a to do bank accounts issued because of the identity XXXX this company continues to perpetuate it.
Product: Debt collection

I asked for copy of bill, because I don't owe that amount. My XXXX account was switch by XXXX XXXX XXXX. Enhanced Recovery ( collection company for XXXX XXXX said they could not give me a copy of the bill, because it's in collection.they also put on my credit report once I applied for a pre approved mortgage loan. Please assist.
Product: Checking or savings account

I opened Bank of America XXXX XXXX Banking checking account few days back. It end in XXXX. There was suppose to be an opening deposit of {$25.00} to open this account which i tried to deposit but it failed.Later I got one mail from Bank of America that they couldn't do that deposit transaction due to the fact some report from XXXX XXXX XXXX. No where in this letter Bank of America stated how to contact XXXX XXXX XXXX except a phone # where nobody was available during the regular business hours also. Somehow I sent the request to get my consumer report to XXXX XXXX XXXX. 

But I was able to transfer money from my XXXX account to this Bank of America XXXX XXXX Banking checking account. How come that is possible if Bank of America is deciding their decisions based on XXXX XXXX XXXX 

Something really going wrong in XXXX XXXX XXXX as well as Bank of America
Product: Credit reporting or other personal consumer reports

I don't have the exact date but it was between the timeline that was put up, I was with Lexington law and I felt they wasn't helping my credit but I was paying monthly and I tried to cancel I don't know if it went thru but they did nothing for my credit If u look up my SS u will see my info
Product: Mortgage

I am the XXXX for the homeowner of a property at XXXX XXXX, XXXX, MI XXXX. Ocwen holds XXXX mortgages with and there is a XXXX mortgage withe the state of Michigan. I have submitted all required documents to Ocwen to gain an approval for the a short sale and Ocwen provided me an approval, however the approve left off the XXXX lean to the state of michigan. I submitted request XXXX lean required information and Ocwen keeps telling me that it is not acceptable. I ask them over and over what they want me to send and when I send it they continue to ask for the same document over and over that I keep submitting. I have been working on this file since XXXX 2015 and it has been a difficult task every step of the way with Ocwen.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion has a ( derogatory public record or collection ) on my file but there is no listed business or area for me to dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have for over a year battled credit reporting agency 's and XXXX XXXX for several accounts i did not open. i have provided police reports as well as identity theft affidavits to all 3 credit reporting agency 's as well as the creditors. I started with 8 accounts which there ae still 2 which I've not been able to clear my name. these would be XXXX  and XXXX both by XXXX XXXX. i dont know what else i could provide them to help me clear my name of these accounts i really need your help to resolve this issue as I'm mentally drained and depressed over the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute via certified mail on XXXX XXXX 2017 to all 3 credit bureaus : XXXX, Experian, and XXXX. I disputed two accounts, XXXX XXXX and XXXX XXXX, stating I was no longer liable and requested they be removed from all three credit bureaus. I received notification from XXXX stating the accounts in questions were deleted from my credit file. I have also received notice back from XXXX were they are stated the information was verified, but not validated. I have not received any proof of the verification or validation regarding these disputes from XXXX  I have not received anything from Experian regarding this dispute and it has been over 30 days. I contacted Experian about the disputes and the rep stated she did not see where it had been submitted and for me to do it online or mail it in. I advised the rep that I had also faxed information, but she stated she did not see that information and maybe I needed to upload it. I have copies of all the disputes that were sent to all 3 bureaus and a copy of the certified receipts and the results from XXXX stating that these accounts were removed and deleted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX. has placed an account for collections on my credit reports. Not only do I have zero knowledge of this account, but I've had issues in the past where this company continues to attack my credit report without my knowledge or permission. 

XXXX 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

the following accounts has been disputed twice with XXXX, XXXX and Equifax : 1 ) XXXX  XXXX XXXX # XXXX {$7300.00} XX/XX/XXXX 2 ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX XXXX # XXXX {$1600.00} XX/XX/XXXX I called them several time and they claimed they haven't received the certified letters that was sent out to them with proof attached to them from FTC of a company or person misusing my social security number to open fraudulent accounts and who knows what else. they received the letters and its been over 30 days without no response or changes on my credit report, I would like to let you know that not only they are in violation of 15 usc 1681b ( 2 ) since I never authorize or gave consent to no one including them to report any information on my credit report. 15 usc 1681b ( 2 ) permissible purpose of consumer report, ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

not only that these companies are in default because its been over 30 days with no response from them but they continue to violate my consumer rights and the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 

Here are my tracking numbers XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation? 

I also sent letters to Experian, XXXX, and XXXX regarding the same 2 accounts on XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I was looking on my credit report XX/XX/year> and notice inaccurate information from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX reporting that's hurting my credit score. I have reach out to the collection agency regarding the inaccurate report but nothing was done, so I reach out to the credit bureau as well. The credit bureau didn't remove the inaccurate information and according to my records and the terms of 15 U.S. Code 1666B ( a ), I believe that this charge is in error. As per 15 USC 1666B ( a ), a creditor may not treat a payment as late unless reasonable procedures are in place to ensure that each periodic statement is mailed or delivered to the consumer no later than 21 days before payment due date_. In this instance, I did not receive the periodic statement with the required information at least 21 days before the due date, which has led to the erroneous late payment charge. I have done research and Fair Credit Reporting Act, specifically 15 USC 1681 ( 2 ) ( a ) ( i ) XXXX XXXX SYSTEMS, and XXXX XXXX  XXXX are reporting with no transactions or experiences are allowed to be on a consumer report.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXXXXXX - XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Name : XXXX ACCT - # XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I was a victim of check fraud.. I was told I was approved for a loan but I would have to. Pay to fix my credit and the company would provide the fund to assist. So I didnt have to come out pocket but that my XXXX  score would go up. Then the funds came in to pay to fix my credit the bank froze my account for check fraud and they emptied my saving account and checking account.their checks bounced back and Key bank took my payroll check from XX/XX/year> and my saving to cover the return pmt and left me with no money and told me I was not getting nothing back and my account is check fraud Those check where not mine nor did I deposit them.they close the account
Product: Credit reporting or other personal consumer reports

Hello, I am a victim of identity theft, there are 2 cards with amex opened on XXXX XXXX, XXXX  and XXXX XXXX, XXXX. Those credit cards were opened fraudulently, I spoke with amex and told them that those accounts are fraudulent, but they still appear under my name in credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my report only to find information reinserted that was not investigated. I have sent in the proper documentation which is my social security card and a recent utility bill and still the wrong address and information is showing on my credit report. There are 2 addresses that do not belong to me one. One being XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX, XXXX, XXXX. Equifax had removed the addresses and without any validation reinserted them back on my credit report. Equifax did not notify me by mail within 5 after the reinsertion nor was there any documentation sent to my home in XXXX XXXX. I just so happen to pull up my credit report and saw the erroneous information back on my report. I also know for a fact the reason Equifax keeps reinserting this incorrect information is because of the addresses that is on my report. XXXX pulls up the addresses and the addresses are linked to these credit cards that are not mine. I have asked for signed documentation bearing my signature and no one is willing to provide that. The bank of missouri is on my report 2xs, XXXX, XXXX and XXXX accounts that I have no relationship with. I am a authorized user on my sons credit cards which is XXXX, XXXX, and XXXX  XXXX and recently a XXXX card. Also there is comments on my credit report that I did not put there and I want them removed immediately! 

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the accounts and the needs attention comment on each of the accounts below with immediate effect. The accounts have either never been disputed, to begin with, or are no longer in dispute. 

I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Once again this is not a request to investigate, but to update, so I expect you to update my file as soon as possible and not the regular 30 day period youre allowed for disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a copy of a police report verifying that the account which is listed as XXXX XXXX Was open in my name. I have explained to them that I have no knowledge of this existing account. I have provided to them a copy of a police report via fax, and email, yet this credit agency refuses to delete this in accurate report off my credit.