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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 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 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: Credit reporting or other personal consumer reports

I recently received my credit report and noticed an account that was not reporting accurately. I have a late payment on my Equifax account that I was in fact on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my credit report to this complaint showing a late 60 days late payment in XX/XX/year> but paid on time in XX/XX/year>. How in the world is there a random jump from paid on time to 60 days late. It's inaccurate and this needs to be corrected. I'm now requesting you investigate this account and update this payment to paid on time immediately.
Product: Mortgage

In XXXX of 2022 I applied for a XXXX program through XXXX  XXXX  XXXX on my mortgage with Chase, which had come out of a forebearance. I had been pre-approved for $ XXXX or so. XXXX XXXX opened the XXXX application on XX/XX/2022. I submitted my extensive application on that date. I received confirmation that the application was complete and I needed to do nothing else. 

I let my mortgage company- Chase- know that I was applying for this, and a servicer had actually helped me with some of the financial details of the application. I have kept them up to date on the process almost weekly since that time. 

Note that Chase can not " see '' on their side of things that I have applied for anything. They say that a XXXX party servicer is handling the XXXX program. 

I was approved by XXXX  XXXX for the XXXX program. The next step was they submitted - by computer - a request to Chase for documentation - details about my mortgage, so the application could be completed. 

They have received nothing back from Chase since XXXX. 

At the end of XXXX I had a mortgage person at Chase and a person at XXXX  XXXX on a 3-way conversation ( with me ) to talk about this. That phone call was recorded by Chase for my records- and XXXX  XXXX was notified that it would be. 

I have had extensive email conversation with XXXX  XXXX to follow up - they have also asked me to ask Chase for an extension on my forebearance arrangement because of this HAF process. I did and was granted one until XX/XX/XXXX. Obviously, that date was missed. 

Today I spoke to a supervisor at XXXX  XXXX about this and was told there is nothing anyone can do - it is a federal computer system for XXXX talking to a federal computer system for Chase. They have rec 'd confirmation that the request to Chase was received. This means we just " need to wait '' - because Chase is soooo big and they have soooo many applications around the country. 

This just can not be the way it is. There must be some guidelines and rules and regs that Chase would be under to manage the program. Chase, right now, seems to be completely unaware of my application, except for the notes I have asked to have continuously written into my file. 

My loan # with Chase is : XXXX My name is XXXX XXXX XXXX XXXX  XXXX labeled my name as XXXX XXXX XXXX The address is XXXX XXXX XXXX, XXXX, RI, XXXX My email is : XXXX My phone is : XXXX The mortgage XXXX  application is being process by XXXX  XXXX - XXXX XXXX XXXX  - ( XXXX ) XXXX I am attaching documents.
Product: Credit card

The creditor conducted this inquiry without proper authorization, and it must be removed immediately.
Product: Credit reporting or other personal consumer reports

Requested my mortgage be put back on my credit report via email on XXXX, XXXX, XXXX and received a response from XXXX in Customer Relations that my account information was forwarded for review. No further action taken. 

Called XXXX got voice mail and left a message with ticket # XXXX. 
Called them XXXX and was told they had the ticket and someone was working it. No date of when it would be added back on credit report. 
Called them XXXX and requested the ticket and it was placed. Ticket # XXXX. Called them XXXX and asked them to add to credit reports. Just given excuses. 

If the payment was late, they would report it. 
They took my XXXX Payment and I have my XXXX Mortgage Statement. 
Please get them to put it on my credit report because not having it there is detrimental to my credit score!
Product: Mortgage

In XX/XX/XXXX I refinanced my condo with XXXX 
When they had the appraisal done, it appraised for {$620000.00}. I had several financial obligations that year, because of a nasty divorce. They told me I had to have a XXXX XXXX Balloon loan, with the Bank of America. I have had this loan since XX/XX/XXXX. The principal balance is {$75000.00} at a interest rate of XXXX %. My payment is {$650.00} a month. {$110.00} goes to the principal and {$530.00} is interest. 
I have banked with the Bank of America for XXXX years. I have had several credit card accounts and this loan. I paid all the accounts off and never missed a payment on this mortgage loan. 
I was forced to retire in XX/XX/XXXX, because of a buy out. I 'm living on Social Security and a small pension. I called the bank to refinance my loan. They told me that I could n't refinance, because I 'm not working. 
She said the only thing they could offer me was a modification plan. I filled out all the information they needed in XX/XX/XXXX. I finally received a letter of congratulations!!! I was approved for a XXXX Amortization Modification Program. 
With a XXXX month trial payment of {$290.00} stating that my monthly payment amount may change over the life of my loan and could be higher than the initial monthly payment. The interest rate stays at XXXX % and my credit score can be affected by entering into a trial period or accepting a permanent modification. 
I have not paid the trial payment, because I do n't want my credit affected and I do n't agree with this plan. 
The bank told me the only option I have is to appeal the modification. 
I called to appeal, and was told there is n't anything I can do!!!!! I asked XXXX about XXXX years of loyalty to the bank. He told me that even if I was in foreclosure or missing payments I would be treated the same. He said that the bank treats everyone the same way!!!! 
The banks were given options when they were bailed out. I 'm XXXX and worked hard to maintain my credit. I feel they are holding me XXXX, because they can!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache you have given me.
Product: Debt collection

Company contacts me several times a day at my employment. I have asked them numerous times to cease and desist all communication. No debt is owed, on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or amend the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ) .I 'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LEXIS XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

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
Product: Credit reporting or other personal consumer reports

Well according to 15 U.S. Code 6802 ( b ) it does state A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. XXXX XXXX in violation because they have been reporting to two third parties. Experian and XXXX. Without my knowledge and consent. 
As the consumer I was unaware that my personal information was given to a third party and then by that third party reported to two other parties.

15 Usc & 1692 C does state Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1681c no consumer reporting agency may make any consumer report containing any of the following items of information : Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
Experian and XXXX have both violated this. My personal information such as my birth date, employment history, phone numbers, and old addresses, and inaccurate spellings of my name. The only thing that should be on my report are criminal convictions and anything I give consent to. These are violations of the FCRA. Also the account from XXXX XXXX on both of my reports. Thats another violation. 

12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' As I have carefully mentioned in the complaint before.If I have given consent at any time. I still have the right to opt out. I am opting out their reporting services.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

Please remove all fraudulent accounts. 

XXXX XXXX XXXX Opened XX/XX/2023 {$320.00}
Product: Debt collection

On XX/XX/XXXX, I received a letter from National Recovery Agency with an itemized list of procedures and services provided at a hospital on XX/XX/XXXX. First, I never received notice regarding this debt to allow me to dispute. This company had included an itemized list of services and procedures from the hospital, which is a direct violation of HIPAA, as I did not authorize this because I was unaware the debt existed until I received this notice on XX/XX/XXXX. So on XX/XX/XXXX, I responded to the company indicating I never received notice of this debt, nor did I authorize or request any information relating to this account - as I didn't know it existed, to begin with. SO when the letter from the company stated I authorized and/or requested an itemized bill or something similar is 100 % false. I never knew this existed before this letter.
Product: Mortgage

Today I contacted quicken loans to ask them to waive my late payment due to my job not sending my first retirement check on time. ( Job stated that they were mailing my first retirement check on XX/XX/XXXX, but I did not receive it too XXXXXXXX XXXX,2019 ). I called quicken loans on XX/XX/XXXX, to let them know my payment would be late and I also asked for the late fee to be waived once the payment was made. The representative said that would not be a problem since I was never late. Well today a representative by the name of XXXX XXXX said once the payment was made they would not give me my late fee back. Now I have a problem with this company for making false or unclear statements to me earlier. All I am asking for is for this mortgage company to keep their word and return the XXXX late fee to me.
Product: Credit reporting

Everything on my credit report is not me. Someone keeps getting loans and mortgages out on my credit and I do n't know how to stop them so I can actually use my credit MYSELF.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Balance Owed : {$0.00}
Product: Mortgage

I have an option ARM loan with Chase ( formerly WAMu ) which negatively amortized and added over XXXX to my loan. I believe that this mortgage was a subprime predatory loan, but have received no help from chase or HARP. My husband and I applied multiple times for modifications and were continuously denied. In an effort to move forward, my husband and I filed for a repayment plan in which we agreed to pay double monthly payments to become current on the loan. Throughout this process, we have been harassed by chase numerous times, sending us notices that they were going to foreclose or that our loan was in default. We have now paid XXXX/month for ten months, our last payment being due XXXX XXXX, and was paid electronically on XXXX XXXX. I received a notice today on XXXX XXXX, ( which was dated XXXX XXXX ), stating that they did not receive our XXXX payment and that our loan is in default. They are also attempting to charge us a XXXX late fee and XXXX in " OTHER FEES and ADVANCES ''. ( See attached ) We have also gotten notices taped to our door on XXXX different occasions ( XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX XXXX ) stating that the house is unoccupied, when it clearly is not. ( see attached ). I called the vendor who taped the notice to our door to find out why they are stating that the home is vacant. The woman I spoke with told me she can not give me the name of the person or company who taped this notice to my house because it 's confidential. This makes no sense. The house was clearly lived in, the walkway was shoveled, and you can see inside the house from the windows. It was blatantly obvious that the house was NOT abandoned. This is clearly harrassment! We are paying bills that legally I do n't believe we owe, and still being harassed as if Chase wants to foreclose on us. We have been buried in debt since XXXX, and have been working on getting out of debt since then. Neither chase! nor HARP has done anything to assist us, but the government bailed out Washington mutual who started this fiasco. This makes no sense at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. 

XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX # 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