23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My due date was changed from the 25th of the month to the 1st of the month without my knowledge or authorization. This is the second dispute Ive filed. They applied a {$70.00} courtesy deduction from one card but completely disregarded the issue on the card Im talking about. I will attach screen shots of the bills showing the due date change.
Product: Mortgage

I reached out to my bankruptcy attorney worried that I was falling behind with my payments he told me to start making the payments & if I needed to include the mortgage in my bankruptcy then we would do that we just had to wait for Flagstar I started sending the money orders and last month I got them back with a letter telling me that my loan is not active with Flagstar Bank - I then received a call from my attorney at the XXXX XXXX in Wisconsin on XX/XX/19 they stated that Flagstar told them that I stopped sending the payments in XXXX, also my attorney verified that I was sending the payments to the correct address that was listed on the bill which I have also included here. Around this time I also got a manilla folder from there attorneys XXXX XXXX XXXXXXXX which I have included in this complaint.
Product: Debt collection

This is another bogus attempt by Convergent Outsourcing to collect a bogus XXXX debt that does not exist.
Product: Mortgage

This is in rebuttal to previous complaint XXXX against RoundPoint Mortgage. 
First off regarding the response I get back- There are six indiscretions already and two more if you count the ( not once but twice ) incorrect addresses by which you sent the certified letter. Is n't it easy to see why I have to raise the complaint to another level. 
The one issue that raises the biggest concern is this- You service the loan for XXXX and in light of the unusual circumstances and legal issues surrounding this case, do n't you think it is deserving of this situation to inquire instead of blindly assume that XXXX would not want you to reflect accurate reporting of this loan. I quote - '' The investor of the loan did not request we stop reporting the account to the credit bureaus. As such, we reported the account to the credit bureaus. '' Hello? Someone pick up the phone or send an email to legal department, i.e.. XXXX XXXX and ask the question ... .. 
If accurate reporting is the ultimate goal here, can you see why it is wrong to report me as delinquent for 180 days or more when 1 ) there seems to be no indication that XXXX was in the know on this and 2 ) I was n't in the know on this? Did I receive or can you show where I acknowledged by signature or any other legal means of proof that I was informed of this loan being reported as delinquent because I came out of a forbearance status? In fact, it was not a forbearance status at all. It seems this was just a category to drop this loan into when XXXX agreed to partner with me in litigation against the builder. Again, if accurate reporting is the goal here, BLOCK all months and accurately report what it truly was! This is not because I could not pay or would not pay! So ask yourself, does it reflect accurate reporting? 
Lastly, why does it take 4-6 weeks to change what you have already admitted has been erroneous reporting?
Product: Payday loan, title loan, or personal loan

I made a payment prior to what was advertised as the due date of XX/XX/XXXX. Payment was made XX/XX/2023. I received an email informing me that I had a past due balance, and owed double payments XX/XX/2023, the next due date. When I spoke with a service agent, I was informed that any early payments to be count towards the next billing cycle had to be made no more than 15 days prior to the due date, otherwise it counts as " interest only. '' However, I have a screen shot dated XX/XX/2023, that I owe no payments until XX/XX/2023.
Product: Student loan

MOHELA assumed control of the student loans. In XXXX when re-payment was set to resume, I received a letter indicating that unbeknownst to me, Mohela had unilaterally decided to place my account in administrative forbearance. I called it took hours to speak to an actual person, and they could not tell me WHY it was placed in forbearance. I asked that it be removed and they complied saying to would be effective within XXXX business days. It was not I called again, representing HOURS of waiting to speak to someone, I was told it had not processed, still given NO insight into why Mohela decided to take it upon themselves to mess up MY account and then take ages to correct the mistake. I made a payment manually to cover the month of XXXX so that i was not HARMED by the interest that would STILL Acrue due to Mohela 's reckless decisions that had NOT been informed by the borrower. Cut to XXXX I received ANOTHER letter about continuing administrative forbearance, I called AGAIN representing more HOURS of time and burden and I was told ( 1 ) it was still not processed when I requested it over a month ago ( 2 ) There was nothing I could do to fix it, so their XXXX up is now MY problem AND IT COSTS ME ADDITIONAL MONEY, ( 3 ) my work to set up auto-debit, and plan to resume payments was for nothing because of THEIR DECISION WITHOUT MY INPUT to put me into forbearance is now requiring HOURS of my time, and runs the risk of costing me money AND delaying my ability to meet the requirements under the XXXX program. This is worse than what the situation it was before, and is actively harming borrowers who are following all of the rules and trying to pay off loans in good faith. This company has recklessly made decisions that were not agreed to by the borrower that effectively CHARGES them more money. I don't know about others but this seems pretty predatory at worst, and harmful negligence at best.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$5900.00}, {$0.00}.

I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charges and any related finance charge and other charges from my aaccount, send me an updated and accurate statement, and close the account. I also request tuat you stop reporting this inaccurate information and report the correct information to all of the nationwide credit reporting companies to which you provided it. 

Enclosed is copy of my Identity Theft Report, and account statement showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers of information issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRCs. 
Please investigate this matter and send me a written explanation of your finding and action Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. Please remove the fraudulent information immediately from my file. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- 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 XXXXThis is not my account.
Product: Mortgage

Bayview Loan servicing L.L.C. XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX Has been discriminating against me for over 5 years now! I recently completed my US Bankruptcy Court Chapter XXXX Bankruptcy, Final month of completion was XX/XX/XXXX, The Bankruptcy was Discharged on XX/XX/XXXX. BLS has completly abused me after they assumed my mortgage XX/XX/XXXX from XXXX XX/XX/XXXX. I have composed an eight page letter, describing in detail, how BLS has been misapplying my monthly payments, holding them " in suspense '' for no valid reason, and thus due to their unorthodox accounting and billing practices, made it appear that I was late in paying, when in fact the exact oppisite is true, I started making payments at least one month early. Many of the statements BLS sends me, are unintellegible, and impossible to figure out what it says. 
( statement for XX/XX/XXXX in particular ) I have called BLS customer service at least eight times trying to get their errors corrected. BLS keeps promising to send me a full accounting of my account, however 3 weeks later I still have nothing from BLS, they are not honoring my requests, falsely reported me to the three credit bureaus that I was late in 2 payments! BLS has sent multiple statements for the same month. I need CFPB 's Help in getting BLS to set the record strait and correct the negative reporting to the three credit bureaus. BLS recently cost me getting a refinance because of their false credit reporting! Please, Please Help! Thank You!
Product: Debt collection

Cavalry SPVI, LLC is taking me to court and trying to take money out of a bank that I don't use anymore. They wants me to pay the court cost. They do this every few months. Every time it is {$10.00} in court cost. the account has been closed over 2 years! they have tried over six times in the past year and half. It is getting ridiculous. I understand two times but this is harassment! when the Bank tells you the account is closed then its closed. there is no reason to keep beating a dead horse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion computer glitch that added inquires that originally was deleted. Transunion later added them all back on without giving me required 5 day written notice prior to re-adding them. this has been a violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

Violations of : Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) Identity Theft Victim Trans Union has Conducted XXXX XXXX on My Trans Union Credit file, rather than Properly Reviewing the Alleged Frivolous Disputes, I begged them to do, as required by Federal Law.

I have informed Trans Union many of times that the entries below are erroneous and fraudulent. 
XXXX XXXX XXXX XXXX $ XXXX XXXX. XXXX, XXXX Frivolous Unauthorized Hard Inquiries : XXXX  XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX Main Financial : XXXX XXXX XXXX  : XXXX XXXX : XX/XX/XXXX Trans Union has routinely and uncritically accepted the original furnishers response to the above disputed information, even when responses were improbable or illogical on its face. I had no relationship with these entities, nor did I authorize the accounts. These entries are the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit reports. Trans Union has violated the FCRAs requirements for handling my disputes in several ways, each time I have submitted disputes. Trans Union has harmed, bullied, and harassed me by violating the : Investigation of Disputed Information ( 15 U.S.C. 1681i ) ; Duty to Delete or Correct Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) : If the disputed information can not be verified or is found to be inaccurate, you must promptly delete or correct it.

Prohibition on Reinsertions ( 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) ) : Information that has been previously deleted as a result of a dispute can not be reinserted into the consumers report unless certain stringent requirements are met. Trans Union has failed to implement basic matching tools that prevent or greatly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline ; Notification of Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) : Upon completion of the investigation, you are required to provide me with a detailed written explanation of your findings and a copy of my updated credit report. 
Based on the CFPBs recent lawsuit against XXXX for sham investigations of consumer disputes and improper reinsertion of deleted information, I am concerned that you may fail to meet your obligations under federal law. Inaccurate information has already negatively impacted my ability to obtain credit. I demand Trans Union to conduct a comprehensive investigation of the disputed accounts and inquiries, provide me with verifiable documentation, such as signed contracts, substantiating the legitimacy of the disputed entries, and permanently delete any unverifiable, inaccurate, or fraudulent information from my credit report. I AM HONESTLY BEING PSYCHOLOGICALLY HARASSED.
Product: Debt collection

I have been trying many times to dispute an account # XXXX with Portfolio Recovery Associates continues to try tie this account to me. I have suffered many set backs in improving my credit and I am becoming extremely stressed in dealing with them. They sent information to be to verify an account that is not my name and an address I never lived at.
Product: Checking or savings account

I am a client at Marcus by Goldman Sachs. I have been trying to transfer approximately {$7900.00} to my XXXX  XXXX XXXX and XXXX XXXX XXXX  accounts. On XX/XX/2023, I attempted to transfer all of my funds outside their institution. On XX/XX/XXXX, I was notified that my transfers have been reversed and I will not be able to have access to my money. When I tried to solve this issue online, they told me that I needed to call. So I did. After speaking to their representative, they told me that I would not be able to transfer my funds to another institution for at least 90 days unless it was transferred to the SAME accounts where the funds originally came from ( i.e. back to the bank of origin when the funds were originally transferred to Marcus ). 

I added those bank accounts again since my partner was the one who made the initial deposits into Goldman Sachs, but I was given pushback yet again. First, they require me to log in to my XXXX  XXXX XXXX online ID and give them all my bank account information, but then they rejected the link I was attempting to make, taking all my precious information while they were at it. Then, they prompted me to enter the account and routing numbers manually which I did. When I added XXXX and XXXX, they told me that I needed to wait yet ANOTHER XXXX days to verify the test funds that will be ( hopefully ) deposited into the XXXX XXXX  so then I can make the outbound transfers. 

This is completely unacceptable. They are purposely making it unnecessarily difficult to transfer funds outside of Marcus when they marketed their products as liquid. We keep encountering roadblocks to receiving our money and have been duped into believing that our money was safe and easily accessible. That is not the case. We are requesting a full withdrawal of our funds so we can close our accounts. We do not believe Marcus does business in good faith, and are taking advantage of consumers by not letting them have access to their funds.
Product: Checking or savings account

I have tried unsuccessfully for 2 1/2 months to have Wells Fargo investigate my fraudulent charges and disputes. They refuse to put things in writing. I am an American with XXXX. They keep dodging me. They refused to return phone calls they keep asking for additional documentation there stalling Ive asked again to finalize this claim I have XXXX I am XXXX and I want this resolved before I XXXX so its not left for my children.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2017, I filed for Chapter XXXX Bankruptcy. My bk was discharged. Upon checking my credit report, I discovered that XXXX is reporting information on my report that is a violation of the FCRA and Bankruptcy Code by listing, on the summary page, accounts that I included in my chapter XXXX bk as " NEGATIVE '' or " LATE PAYMENTS. '' The creditor is supposed to discharge the accounts but they are not supposed to tell the credit bureau that it is a discharged account. Discharged accounts can NOT be late-ever. 

Section 607 of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is not reasonable to label an account that has been discharged in a bankruptcy as " bad debt or late '' if the account was open and not discharged off prior to consumer filing bankruptcy. Such designation is inaccurate, misleading because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. 

NEGATIVE REPORTING ON A DISCHARGED DEBT IS A VIOLATION OF THE PERMANENT INJUNCTION OF MY DISCHARGE. My fico score has been severely damaged due to the credit bureau 's inaccurate reporting. They have interfered with me being approved for credit. I feel that I am being punished by the credit bureau and creditor for a difficult decision that was unavoidable. 

On XXXX XXXX, 2017, I spoke to XXXX, XXXX  rep and XXXX, supervisor, about the violations. XXXX told me that bankruptcy is negative and they will NOT remove the negative listings. Even when I explained that her company was in blatant violation of the FCRA and Bankruptcy Code, she refused to correct the severe damages to my credit report that they caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I have several fraudulent addresses on my credit report that do not belong to me on my credit report. It is possible they belong to another XXXX XXXX that live in the XXXX Area. I have filed a compliant with FTC ID theft and XXXX Police dept. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. I have been having issues with Companies trying to garnish my wages for someone else information appearing on my credit report. Please remove the following addresses they are not mine!! XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

My account with 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 me 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 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 purs
uant 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 found some inaccuracies on my credit report under 15 USC 16c-2. The inquiries mentioned were not authorized by me and are negatively affecting my credit. Please remove these unauthorized hard inquiries. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX just add items to.my credit and update tradelines. Re aging old accounts never listed as fraud. 
Medical debt added which was resolved through financial assistance through hospital do bill were not validated.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment and frustration regarding the ongoing presence of fraudulent items on my [ account/bank statement/credit report, etc. ], despite numerous attempts to address the issue. This letter constitutes a formal complaint concerning the many unsuccessful attempt to remove these unauthorized entries. 

The continuous presence of fraudulent activity has caused me significant stress and inconvenience. As a valued customer, I rely on your institution to safeguard my financial interests and promptly address any security breaches. The repeated failure to remove the fraudulent items undermines my trust in your institution 's ability to handle such matters effectively. 

I urge you to take immediate and decisive action to comprehensively address this issue. This should involve conducting a thorough investigation into the root causes of the repeated failure to remove the fraudulent items, as well as the implementation of robust measures to prevent their recurrence in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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