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

I am filing this complaint to dispute several inaccuracies on my credit report, which have caused unjust and incorrect damage to my credit score. Despite maintaining a consistent record of on-time payments, certain accounts are inaccurately reflecting late payments. I have never missed a payment on these accounts, yet they are erroneously listed as being 30 days late. The inaccurate accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ** - Reports a 30-day late payment, but all payments were made on time. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Reports a 30-day late payment, but all payments were made on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ** - Reports a 30-day late payment, but all payments were made on time. 
XXXX XXXX ( Account # : XXXX ) ** - Reports a 30-day late payment, but all payments were made on time.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow " reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' The fact that these late payments are being reported despite my history of timely payments is a clear violation of this requirement.

These inaccuracies are causing significant harm to my credit score and financial standing, directly affecting my ability to secure credit on favorable terms and impacting my overall financial well-being. The errors in my credit report are unacceptable and must be corrected immediately to prevent further damage.

I have attached screenshots showing the inaccurate reporting from the credit bureaus to support my complaint. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that these incorrect entries are promptly removed from my credit report. The credit reporting agencies must be held accountable for ensuring the accuracy of the information they provide. I also request a thorough investigation into these discrepancies. If the credit reporting agencies are unable to furnish valid evidence, such as account statements demonstrating the lateness of these payments, I demand that these entries be updated immediately to reflect their true status as on-time payments, as I have consistently upheld my payment obligations without delay. 

I appreciate your prompt attention to this matter and expect that the inaccuracies will be corrected swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon searching for a lender that would approve me for a high debt to income ratio jumbo loan, I was referred to XXXX XXXX XXXX XXXX , XXXX. They advised me to complete the application to determine the loan amount for which they could qualify me. I explicitly withheld my social security number because I didnt want them to run credit and honestly disclosed that my score was in the excellent range. However, they got my social security number from other supporting documentation I gave them strictly for underwriting purposes, eg W2, and ran a credit report without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were on and protected by the FEMA/Government forbearance after Hurricane Irma, during which time both myself and my wife 's credit report was negatively impacted when our mortgage company XXXX XXXX reported us as late on our mortgage. I called and was told there was " a mistake and some ... a few customers were mistakingly reported to the Credit Bureaus but they would issue a retraction ''. Mine was corrected, my wife 's however was not. Ive called several times on this matter and either their computers are down or something. I called this morning XX/XX/XXXX to try to get this taken care of. The customer service rep puts me on hold then comes back a few minutes later to tell me I will have to pull a copy of my wife 's credit report from one of the 3 bureaus and then fax or mail it in. I asked why I would have to do that now when I did n't have to do that before? She said she was n't sure but if I wanted it fixed thats what I would have to do. I said no I should n't have to spend my own money to fix a mistake your company made. And then I asked to speak to someone in that investigation department. She said she is that department. I asked why when I called the other day I was on hold to be transferred but their computers were down? ... she said that I called a different department, I said no it was customer service. So now customer service is the investigation department I guess. I should not have to go through this much trouble to fix a mistake on their part. I do believe they are discriminating against me as I filed a complaint on them before for their terrible customer service and mishandling of my mortgage and this is how they retaliate. I also just this past week opted out of a mortgage modification with them after they told me I would not be able to make my XX/XX/XXXX payment and would have to wait till XX/XX/XXXX to make my first payment. I said XXXX no I am not going to be late on my mortgage and go through all this again. The rep told me well thats how this works, you have to be behind if there is a hardship. I told them to cancel the modification I opt out. Today since my account was just unlocked to make my payment before the XX/XX/XXXX, I find another {$20.00} fee accessed to my payment. When I asked the above first mentioned rep she said it is a Property Preservation Fee that was made to the account on XX/XX/XXXX. I said no my mortgage has been current as of XX/XX/XXXX and I will dispute any other fees as you guys already charged me two {$20.00} fees ( FEMA Natural Disaster Billed Fee ) while under the forbearance. 

The former complaint I filed was closed after the mortgage company sent in a bunch of misinformation and out right lies regarding contacts, dates, etc, to which I never got the opportunity to rebuttal. I would hope this complaint is received with more merit and a little investigation into XXXX handling of mortgages and credit reporting!
Product: Credit reporting or other personal consumer reports

I have contacted experian atleast 3 times already asking why lenders cant pull my report lenders claim there is a freeze on my experian but experian keeps telling me there is no freeze. My vendors cant pull my credit.
Product: Debt collection

On XX/XX/2022 I sent Cane & Weiner collection agency a cease and desist later since they were trying to collect a debt XXXX through XXXX. I they didnt provide me with an original contract and they are violating the Fair Credit Act. I am liable for this debt and will not do business with them. They must delete this collection account from my credit report immediately.
Product: Vehicle loan or lease

Exeter has been denying my several requests for copies of my contract signed with them for my XXXX XXXX XXXX, they have purposely lied to me regarding the legal rights of the second cosigner on the car claiming that she was a " cosigner '' versus a " Coborrower '' which changes the legal possession and dynamics of the law and contract drastically. They have denied every request I have made to be take off the car loan or accept a voluntary surrender of the car. They have refused to provide me with monthly bills as well as accept updated information for address changes. When requesting to speak with supervisors the staff are often argumentative and refuse to transfer to a supervisor or they just simply hang up on me when I ask for a manager.
Product: Credit reporting or other personal consumer reports

They have refused to remove inaccurate personal information from my credit report. I sent letters to the credit bureaus via XXXX XXXX XXXX with the following details : Equifax : Tracking number XXXX, delivered on XX/XX/XXXX at XXXX PM in XXXXXXXX XXXX. The letter concerned a XXXX address that I have never lived at or been to before. This is not my current or previous address. 

XXXX : Tracking number XXXX, delivered on XX/XX/XXXX at XXXX PM in XXXX, XXXX The letter addressed a XXXX address ( which I have never lived at or been to before ) and a XXXX address, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, which is not my current or previous address. 

XXXX : Tracking number XXXX, delivered on XX/XX/XXXX at XXXX PM in XXXXXXXX XXXX. The letter concerned an Iowa address that I have never lived at or been to before. This is not my current or previous address.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion customer service would not help and take care of the negative inquiries reporting to my credit report. I have 10 hard inquiries I asked them to take care of and they FAILED to help. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, TRANS UNION, XXXX XXXX, XXXX XXXX, XXXX
Product: Mortgage

I have a home equity line of credit with XXXX XXXX in the amount of {$100000.00}. I am using this line of credit to pay for home improvements. XXXX XXXX would not increase the amount of credit which is insufficient to my needs, so I applied for a larger line of credit with Bank of. After I had applied, BofA, without my authorization, sent a notice to XXXX XXXX that they intended to pay off my XXXX XXXX XXXX ( balance is around {$9000.00} ) with my BofA loan. As a result of that notice, XXXX XXXX froze my line of credit which makes me unable to pay for the renovations that are ongoing. I owe contractors thousands of dollars in the coming days. To unfreeze my loan, XXXX XXXX requires that BofA send in writing a notice that they are rescinding or voiding the payoff notice. BofA refuses to send this notice. As a result, I no longer have access to funds under the terms and conditions of my XXXX XXXX loan which I have fully abided by. BofA should not have sent, and XXXX XXXX should not have acted upon the payoff/freeze request without my authorization. 
Please help me resolve this issue.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance XXXX {$93.00} XXXX XXXX XXXX XXXX Balance : {$3800.00XXXX XXXX XXXXXXXX Balance : {$7400.00} XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I need to activate my service in all wire transfer domestic
Product: Mortgage

I am writing this letter to explain my unfortunate set of circumstances that have caused me to become delinquent on my mortgage. I have done everything in my power to make ends meet but unfortunately I have fallen short and would like you to consider working with me to modify my loan. My number one goal is to keep my home and I would really appreciate the opportunity to do that. 

The main reason that has caused me to be late is nothing short of my own doing. I had entered into a bankruptcy case last year, due to my divorce and the amount of debt that I was left with but that case was dismissed on XX/XX/2016. The dismissal was on the declaration of the Trustee for failure to make all payments under the plan which I felt was more payment then I could afford. I was also offered a modification trial period with my home mortgage company. I began the trial XX/XX/XXXX and I made my first two trial payments but missed the third payment, which I did not realize ( XX/XX/2016 ). I continued sending payments XX/XX/XXXX and XX/XX/2016. Without me realizing it my car payments on the mustang had not been paid thru the trustee only the house and when the bankruptcy was dismissed they repossed my car, I had to get another car to be able to go to work, taking my income tax and another {$1000.00}, I purchased a used car, which at the time I did n't realize would affect my mortgage payment for XX/XX/2016 making it unable for me to make. I never received any word from my mortgage company that I had defaulted on the trial modification, until I had taped to my door a foreclosure sale set for XX/XX/2016. At that time my only option was to file bankruptcy again, this time my trustee payments are over {$2600.00}, I can not afford those types of payments. It is my full intention to pay what I owe, but at this time I have exhausted all of my resources so I am turning to you for help. 

My situation has gotten better because I can afford my car payment and mortgage payment with my income from my full time job and I feel that a loan modification would benefit us both. I would appreciate it you can work with me to lower my delinquent amount owed and or payment so I can keep my home and also afford to make amends with your firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Student loan

I HAVE CONSOLIDATED LOANS AND HAVE ONLY NEED TO Pay XXXX dollars a month, Have tried to call them but never reached a real person. 
Email to secure messaging many times but never got thru and told to try later. 
I live in XXXX XXXX, and was able to pay XXXX  THRU BANK TRANSFER BUT am unable to maintain a dollar based check account. 
i paid XXXX dollars to Mohela thru XXXX on XX/XX/year>. Mohela says banks bill pay is possible to pay them, but give no details of how to do this. 
I have got threatening emails about m y late payments every day, but no recognition that i have paid them. I don't want to send them any more money until they give me either recognition THAT I have paid them and details of how I can pay them thru a recognized bank bill payer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madame! 
Please be advised that I was a victim of Identity Theft. Upon learning of this incident sometime in Spring XXXX I immediately filed a notified all credit reporting companies regarding this incident. 
Upon collecting all relevant information pertaining to this incident I had filed a Police report with XXXX in XXXX, XXXX. 
All Credit Reporting Companies were notified in regards. 
I had submitted any and all documents pertaining to Identity Theft to all partied involved and requested to remove all negative information contained therein ... 
Credit reporting companies refused to act and cause irreversible financial harm since I was unable to use my credit in order to obtain mortgage, car loan & /or credit card ... as well as favorable rates ... 
I respectfully request your assistance in order to force credit reporting agencies to acknowledge that identity theft incident occurred and remove any and all negative information from my credit report. 
Respectfully, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It XXXX Concern, I hope this letter finds you well. I am writing to seek your assistance in resolving significant inaccuracies on my credit report, which have adversely impacted my life and financial standing. I believe that multiple creditors have violated important consumer protection laws, and I am seeking your intervention to rectify these violations. 

I have identified a series of accounts and inquiries on my credit report that appear to be in violation of the Fair Credit Reporting Act ( FCRA ). The specifics of these accounts and violations are as follows : XXXX. XXXX Account Number : XXXX Violation : Potential FCRA Violation - Inaccurate Reporting XXXX. XXXX XXXX  Account Number : XXXX Violation : Potential FCRA Violation - Inaccurate Reporting XXXXXXXX XXXX  Account Number : XXXX Violation : Potential FCRA Violation - Inaccurate Reporting XXXX. XXXX XXXX Account Number : XXXX Violation : Potential FCRA Violation - Inaccurate Reporting XXXX. XXXX Account Number : XXXX Violation : Potential FCRA Violation - Inaccurate Reporting XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Violation : Potential FCRA Violation - Unauthorized Inquiry XXXX. **PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX Violation : Potential FCRA Violation - Inaccurate Personal Information These inaccuracies have significantly affected my financial well-being. [ Share your personal story here. Detail the emotional and financial distress these inaccuracies have caused, such as being denied credit opportunities, job prospects, housing applications, or any other relevant impact on your life. ] I urge the Consumer Financial Protection Bureau to enforce the legal protections established by the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and fairness of credit reporting. I kindly request your intervention to address these violations and request that the respective creditors remove these unverified and potentially inaccurate accounts from my credit report. 

Please provide me with written confirmation of your actions and the resolutions of these disputes within the legally mandated time frame. I sincerely appreciate your attention to this matter and your commitment to protecting consumer rights. 

Thank you for your time and consideration. 

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

I am a victim of Identity theft/fraud. 

I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX AND EXPERIAN XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX AND EXPERIAN continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is still reporting me to the credit bureaus agency on missed late payments over 120 late. I have filled a dispute many times due to fraud and the reporting agency witch is Bank of America has agreed to delete and remove the account and any remarks they have reported, unfortunately they are still reporting me and its affecting my credit report with all 3 credit bureaus and I would like it all to be reviewed and removed. Thank you for your time and your patience have great day
Product: Credit reporting

I live in Michigan and so I am entitled to place a security freeze on my report. Furthermore, as a victim of ID theft, I am entitled to do so at no fee for initiating or maintaining ( lifting / resetting XXXX the freeze. 
However, Experian online does not provide the option for victims, but rather has only one default - Pay them {$10.00}! 
Nor does Experian mention that available option ( again, going for profits while using our info but leaving it exposed due to their delays in implementing a Freeze ). 
Especially galling is the fact that I am an ID Theft victim DUE TO EXPERIAN. Their weak security and weak supposed " encryption '' allowed my crucial info of SSN, DOB, Address, and possibly other info such as Drivers License, to be stolen by hackers, ALONG with XXXX XXXX other XXXX victims of this theft / Experian failure. 
In that my personal info was obtained in Experian 's data breach, Experian should be held strictly liable for any damages I incur from their failure to implement a timely, immediate Security Freeze. 
XXXX the preceding question, there is no option available from Experian to discuss the problem ( i.e. they only apparently want to collect fees )
Product: Credit reporting or other personal consumer reports

This is the XXXX XXXX in XXXX New Hampshire I lived on the border in XXXX NH and worked in XXXX so I believe 30 years ago that in the area for some reason the post office was combined. Just in XXXX because the population rural also may have two I do know someone who lives in a town nearby but they have 2 same zip codes for mail and post office boxes so this was 30 years ago but no it is not likely both as on credit report I have little to go by but it may have been someone at the same time and or unknown to get my info ID theft. I also have obviously lived at XXXX XXXX XXXX XXXX XXXX but mail was always missing from both parents growing up. So if it was showing XXXX XXXX XXXX I opened it at XXXX when legal because I was not happy mail missing XXXX XXXX XXXX XXXX ( XXXX prior to XXXX ) and may be XXXX XXXX now XXXX. But mail by mother did happen a lot. So at XXXX opened XXXX XXXX XXXX XXXX tired of it. Own mother. But if showing as resistance at a later date it may not be me. However it may explain why I was not receiving my mail even at own place and should have had nothing to do with the residence. This is why I still question how my mother is last known connecting with people that I rented from etc. and same area and mail. If in my name I can only say which are mine if I am not sure I am really starting to question this. So it was on XXXX however it may be on the others and they may have more of a mess. 
XXXX XXXX XXXX XXXX is one I likely mentioned. However the mailbox was in addition to other questionable items as XXXXXXXX XXXX XXXX  etc missing. XXXX was the mail carrier. He sadly told me that because of the ice he wanted to get it up but he said that he was not allowing because XXXX XXXX XXXX did not fix mailbox sand clear and even left it when a plow might hit it more than once. So at the time during that winter storm which was not by landlord taking the responsibility to even get it to where the town asked him to put the mailbox so it would be less likely to be an issue. So town asked him to pick it up at the post office. Odd thing is he would not let me go to get my mail. Here is the correct address for my XXXX XXXX XXXX  address about XXXX old.
Product: Credit reporting or other personal consumer reports

I have twice now disputed an account from XXXX XXXX XXXX. The account number they list is : XXXX They are reporting the address of the person where the debt was incurred as : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX CA XXXX. 

I have never lived at that address.