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

This is a notice of violations pursuant to the Fair Credit Reporting Act. The consumer reporting agencies have violated 15 USC 1681b ( 2 ). I never provided them written instructions to furnish a consumer report on me, but yet they are doing so and with inaccuracies that are damaging my reputation. 

I have recently pulled my consumer reports again today, XXXX/XXXX/2022, and find that the consumer reporting agencies are still violating my rights. 

Pursuant to 15 USC 1681b ( 2 ), you are to remove ALL negative accounts as it pertains to me, the consumer and natural person. You are also to mail me a copy of the updates to the address provided. See attachments of the accounts that are to be deleted immediately. 

In the attachments, you will also see all XXXX consumer reporting agencies ' failures to ensure the maximum possible accuracy as well which is another violation under the FCRA.
Product: Mortgage

Approximately 10 years ago I helped a family member secure the mortgage on her property in XXXX XXXX, Fla. The original Bank was XXXX and is now Wells Fargo. I was to be a " back-up '' instead the mortgage is now on my property here in XXXX and she refuses to pay when she promised she would, to the tune of {$240000.00}. The Bank sent her the check and she signed my name. They have conveniently, misplaced the check. They said the time limit was up. My complaint is that they are refusing to give me a modification. I would like to know why. I am a senior citizen, and at this rate I am having a difficult time paying down the principal. The interest payment alone is {$900.00}. every month. Can you help me. Thank You XXXX ( XXXX ) XXXX XXXX
Product: Student loan

I submitted a request to refund loan payments i made on my federal student loan between the dates of XX/XX/XXXX and XX/XX/XXXX to Nelnet, my student loan servicer. The COVID-19 emergency act targetting student loans stipulates that payments are not mandatory during this period and i can be refunded for payments made. My loan servicer, Nelnet, has not been responsive about this request. I have called and emailed. I have yet to receive confirmation of a process even being started to get my money back. It's impossible to get ahold of them and they make it difficult to do so.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Reporting Violation of FCRA Dear Equifax and XXXX XXXX, I am writing to formally dispute the accuracy of the information being reported on my Equifax credit report concerning my auto loan with XXXX XXXX. The reported details are inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681. 
Disputed Information Creditor Name : XXXX XXXX Issue : Incorrect Balance on Closed Account The account is reported as " Closed, '' but still reflects an outstanding balance of {$8900.00}. Per FCRA 1681s-2 ( a ) ( 1 ) ( B ), furnishing such inaccurate information violates my consumer rights. 

Potential Re-Aging of the Account There is no closure date or reason listed. This could extend the reporting bey

ond the legal 7-year limit under FCRA 605 ( a ) ( 5 ). Misleading Redeemed or Reinstated Repossession Remark My payment history shows 100 % on-time payments, which contradicts this remark. Under FCRA 1681e ( b ), data furnishers must ensure maximum possible accuracy. 

Formal Request for Investigation & Deletion 1. Under FCRA 611 ( a ) ( 1 ) ( A ), I demand a formal reinvestigation of this account. Within 30 days, you must either : Provide written proof validating the accuracy of the reported information, including the original signed contract and a detailed payment history from inception.

2. Delete or correct all inaccurate data.

If you fail to correct these errors, this will be considered a willful violation under FCRA 616 and 617, entitling me to damages of up to {$1000.00} per violation and possible legal action.

Demand for Method of Verification If you claim the disputed information is accurate, FCRA 611 ( a ) ( 7 ) grants me the right to receive : The exact name and contact information of the entity verifying this data.

The original source of the reported information. 

Notice of Intent to File CFPB & AG Complaints If my report is not corrected within 30 days, I will file complaints with : The Consumer Financial Protection Bureau ( CFPB ) My State Attorney Generals Office The Federal Trade Commission ( FTC ) I expect a response no later than [ 30 days from todays date ]. Failure to comply will result in further action.

Sincerely, XXXX XXXX
Product: Debt collection

Do to my credit damage I cant get a house loan. 15 usc 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of XXXX I missed a pay payment on my XXXX XXXX account. I called the company to see if it could be removed due to being out of work from having XXXXXXXX XXXX XXXX XXXXXXXX in my XXXX XXXX on XX/XX/XXXX. THEY WOULD NOT REMOVE THIS FROM MY CREDIT REPORT. In accordance with the fair credit reporting act this creditor has violating my rights under 15 USC 1681 Sec 602 states I have a right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

I was made aware of a collection account reported on my Experian credit report by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ; Account XXXX. I have written several letters to the collection agency as well as the credit bureaus requesting validation of date that includes my personal information as well as a signature showing that I approved or authorized the account/charges and never received any correspondence that could verify this is an accurate debt. and disputed this accounts as a result of fraud. I am a victim of identity theft and as a result, someone used my information a created this account or bill without my permission or authorization. The collection agency has refused to remove and seize reporting this account to XXXX which has caused a turmoil in my financial situation. I am currently under contract to purchase a home and this account is negatively affecting my ability to get a mortgage loan as well as my credit score.
Product: Mortgage

I applied for mortgage in XX/XX/2020 with equity prime mortgage and have been told varying closing dates. Each time we are set to close the lender stalls and asks for more information that they could have requested a month ago. Initially, no one in the process was notifying the real estate agent of what was happening so she had to file an extension on the contract and explain to the seller what is going on. The seller has other contingencies based on the sale of the property I am trying to buy. The lack of communication between the lender and the processor and loan officer has been atrocious. The loan processor keeps telling me we are closing and then the lender goes MIA ( missing in action ). They won't respond to anyone.

Something isn't right with this company. They need to be investigated to see if they are going out of business or a fraudulent company or something. Something is shady. Why would they stall for so long and go MIA?

I am going to lose the inspection and appraisal money on this property because the seller won't wait another few months for the lender to stall. I obviously will lose the property as well. This is unacceptable. I have provided everything they have asked for promptly, usually the same day. There is no need for them to not communicate for weeks on end when the loan officer, processor and I send multiple emails on a daily basis in an attempt to keep the lines of communication open. No one from equity prime mortgage has bothered to call, email, text or snail mail me any type of communication. I am just sitting in limbo. This level of unprofessionalism will not be tolerated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to formally request an investigation and deletion of the accounts that appear to be misleading and inaccurate on my credit file, as per the provisions of the Fair Credit Reporting Act. The Following accounts shold be investigated and corrected by eahc of the Credit Bureaus respectively : For the Account XXXX XXXX XXXX. XXXX Balance : {$0.00} I have always had a stellar payment with this account as XXXX and XXXX can see. I do not know how this account suddenly reported as late! There is a clear negligent of duty here, as XXXX and XXXX are clearly reporting unverified and misleading information. I understand the importance of maintaining a positive credit history. However, this late payment does not reflect my overall creditworthiness. I have a strong track record of making timely payments, and the late payment XXXX and XXXX report on this account has caused me damage. I do not know where XXXX and XXXX got this information, but I need XXXX and XXXX to have this account removed for reporting erroneous and damaging data. 
And the Following accounts : XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} and XXXX  XXXX XXXX Balance : {$0.00} I need to bring these issue to TransUnion 's attention as this inaccurate reporting of information has caused me severe damage. THIS ACCOUNT IS ONLY REPORTING ON TransUnion CREDIT BUREAU. The information TransUnion is reporting on this account is already outdated and misleading. I do not know how and where TransUnion was able to maintain this outdated information, but TransUnion 's continued report of such information is unacceptable. If only TransUnion 's Record Keeping had been accurate and if TransUnion actually kept tabs, this account should have never been reported at all. Under the protection of the Fair Credit Reporting Act, I request an immediate deletion of this account completely from my Credit File as soon as possible.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. 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/updated. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( 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. 

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!
Product: Credit reporting or other personal consumer reports

I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. XXXX seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, acct. no.XXXX is wrongfully appearing on my XXXX   XXXX AND EQUIFAX credit bureau reports.The problem is that the collector works for XXXX , the original creditor.XXXX has multiple collectors working for them. 
When this same fraudulent debt was put on my reports earlier this year, the account was deleted by all 3 bureaus.I have attached evidence showing that the previous collector XXXX XXXX XXXX, acct. no.XXXX was deleted by all 3 bureaus. 
What is underhanded and probably illegal is that XXXX fails with one collector due to a fraudulent debt and merely hires another to collect the same debt, wrongfully damaging my credit again. 
ONCE AGAIN ... I have never had a XXXX ACCOUNT, PHONE OR TELEPHONE NUMBER.THE email address on the first collector 's debt validation, associated with the XXXX account '' XXXX '' has never had anything to do with me and I don't know whose it is.
Product: Debt collection

this is a collection Agency I don't know who they are and they turn to Law firm that collection to on the side. I just wonder what I can do this the three-time they have come and Garnishment my check the first time I let them take money from me and the company sold out to different company. And they try to Garnishment my check but the company didn't do anything then I got let go I try to make payment I didn't make enough money where I can make a pay but I made a mistake send person Check to then Then they came after my bank account The I know an attorney and he told me what to do and told I should not send a person check to them. Now they have garnishment my paycheck again but I have appealed the action and got a court date. Question I just would what I can do stop going on and run me credit by my secial security. I feel like this is harassment.
Product: Mortgage

I was approved for a Loan Modification and Then it was dismissed due to the XXXX XXXX who abandon the property eten years ago was on loan. I provide a Quit claim and divorce XXXX  and my son who is military who also lives with me. We did not receive help or letter stating that the home was in foreclosure I had ask the foreclosure for the re entry team to call or send a new package for the to take to court so that courts can get XXXX XXXX to sign the loan modification. Please help with save my home. I do not want to lose my home. My son will who is XXXX live here in this home also
Product: Credit card or prepaid card

I was approved for a U.S. Bank XXXX XXXX credit card. 
This credit card has been a nightmare. 
At no point and time was I alerted or instructed to set up a " Central Billing Account. '' Every time I logged into my account it showed no balance due. 
No payment is due for months. Then I get a letter in the mail with a different account number saying my payment is late. 
I call and an hour + six customer service representatives later, they said that when I was approved for the card, someone should have setup my Central Billing Account. No one did that. I didnt do it because I didnt know it was a thing. 
This is my fifth biz card with U.S. Bank and no other card has this. I have literally never done this with any other business card, and even with U.S. Bank. 

I tried to setup the new Central Billing Account but it says my account doesnt exist. 

Ive called and emailed U.S. Bank. Theres one person whos been handling my issue. Her name is XXXX XXXX XXXX had 29 emails and multiple phone calls. No joke. 
She said my bonus has been posted but its not showing up in my rewards section. 
Shes called multiple times, shes contacted the business department, and she has worked her tail off to find out : why cant the central billing account be set up, why its erroring out when I try to do it and most importantly to me where is my {$500.00} bonus AS WELL AS I over paid while with a customer service representative and I have a {$40.00} credit on my account, that I can't open or use. XXXX XXXX, reached out to someone in business credit card department and he said he had to contact one of his supervisors.

This has been going round and round and round and round. Literally, who should have to email 29 times? 

I got my statements but they were only from my credit card account number, never through a central billing account. 
Mine always saying, New Balance {$0.00} Minimum Payment Due {$0.00} Payment Due Date XX/XX/2022 ( etc ) How I found out, was receiving a past due notice about my Central Billing Account ( one I didnt set up NOR anyone from U.S. Bank setup ). 

I should have my {$500.00} + my {$40.00} credit and access to my account. 

This is ridiculous. No other bank would have done this. 

There is so much to send here and unpack. I'll forward you every email I've received in trying to handle this mess.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the origin of the account /debt collection attempt dated XX/XX/2016 i contacted the debt collector directly diversified consultants as well as a representative of XXXX  . I telephoned the company and requested copies of the original documents proving the debt is mine, I have been a victim of identity theft and have a fraud alert on my account. i never received any documentation nor validation of the debt therefore. Diversified Consultant is committing fraud by innuendo defamation of character as well as slander additional to a long array of violations and illegal practices in accordance to the FCRA as well as the Freedom of Information Act.
Product: Credit reporting

I have requested Equifax to remove the hard Inquiries from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX EQIFAX XXXX XXXX XXXX XXXX XXXX GA XXXX REF : XXXX Date:XXXX To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following HARD credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 2. XXXX XXXX XXXX XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX XXXX, XXXX 4. XXXX XXXX XXXX, XXXX 5. XXXX XXXX XXXX, XXXX 6. XXXX XXXX - I did not even try to buy a car? 
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 BANK XXXX, XXXX XXXX. EQUIFAX 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 BANK XXXX XXXX, XXXX These were No firm Offers of Credit Please remove these inquiries from my credit report immediately. I have enclosed a copy of my driver 's license as proof of identity. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and they are in VIOLATION of this law because I am a victim of identity theft!! 
Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX. Whos studying XXXX XXXX  finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the late payment fees and negative reporting on my credit file associated with my account. I recently noticed that my account has been impacted by late payment entries, which I believe were either incorrectly applied or occurred due to circumstances beyond my control.

I thought I made a payment on time but it wasnt processed, I think there was an error with autopay.

I kindly request a review of my account and, if possible, a reversal of the late fees and removal of the late payment entry from my credit report. I have been a responsible account holder, and I value my relationship with all of my Credit Cards. As a goodwill gesture, I hope you will consider adjusting my account accordingly. 

I have attached relevant documents, including payment records and any supporting information, to assist with your review. Please let me know if you need any further details. I appreciate your time and assistance in resolving this matter.
Product: Credit reporting

As I am a victim of Identity Theft/Fraud, I understand that as such, I am eligible for free updated reports twice a year. I recently submitted requests to the XXXX agencies, and EXPERIAN, even though in possession of my alert information, has denied me a copy of my report as requested. They are currently in violation of the laws placed to assist with my issue.
Product: Mortgage

I was struggling on my payments try to get help with the HUD and fill forms no help was provided. The house went to foreclosure and the bank got more that what it was own on the mortgage but I was never approach to get some money made from the sale. Now I found the information that I can get all the money that was own of the profit that the bank got went the house went to foreclosure. The bank was liable from some lawsuit that I probably was part of. Wells Fargo