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

Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started writing this company XX/XX/XXXX asking this company to validate and show me some contractual obligation bearing my signature. This company has not showed me any proper validation since my first letter dating back XX/XX/XXXX.XX/XX/XXXX i wrote another letter asking them to validate the debt this company say i owe via XXXX.TRANSUNION, XXXX or some contractual obligation. They just give me response letters stating it's been verified and updated without any letters bearing my signature or obligation to pay this debt. I started writing letters again XX/XX/XXXX same response from XXXX, TRANSUNION, XXXX XX/XX/XXXX I received the same response from the credit bureaus without any proper validation or contractual obligation bearing my signature. I wrote letters again XX/XX/XXXX to the credit reporting agencies XXXX, TRANSUNION, XXXX. And on XX/XX/XXXX I received a letter from XXXX  stating the company i been disputing these letters with had removed the inaccurate accounts from my credit file via XXXX ONLY I wrote letters back to TRANSUNION & XXXX ASKING THEM WHAT INFORMATION OUR THEY WITH HOLDING FROM ME BECAUSE XXXX HAS REMOVED THE ACCOUNTS. AND I ASKED THEM " DON'T YOU GUYS GET THE SAME INFORMATION FROM THE SAME CREDITOR? I CHECKED MY CREDIT REPORT ON XX/XX/XXXX THE INACCURATE ACCOUNTS WERE REMOVED FROM XXXX CREDIT REPORTING AGENCY THEN TO MY SURPRISE XXXX HAD REINSERTED THE INACCURATE ACCOUNTS BACK ON MY CREDIT FILE WITHOUT NOTIFYING ME OF THE REINSERTION IN WRITING WITHIN 5 BUSINESS DAYS. IN ACCORDANCE WITH THE REQUIREMENTS OF THE FCRA SECTION ( a ) ( 5 ) ( B ) ( ii ), THEY ARE REQUIRED TO NOTIFY ME OF THE REINSERTION IN WRITING WITHIN 5 BUSINESS DAYS. AND THEY DID NOT FOLLOW THE FCRA REQUIREMENTS.I WROTE A LE. TTER TO TRANSUNION XX/XX/XXXX ASKING THE CREDIT REPORTING AGENCY ABOUT THE ACCOUNTS IN QUESTION AND I HAVE YET TO GETA REPLY ITS BEEN OVER A MONTH SINCE I WROTE TRANSUNION ABOUT THESE INACCURATE ACCOUNTS
Product: Credit reporting or other personal consumer reports

I was looking to my credit report and noticed that there were hard inquiries that are not mine there.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX violated the law by allowing the following 3 items below to be re-added to my credit report after they were removed without sending me proper notification. These items successfully removed, as of XX/XX/2017, but were re-added. 
The items are as follows : XXXX XXXX-XXXX XXXX- {$670.00} XXXX XXXX XXXX  {$580.00} XXXX XXXX XXXX- {$530.00} In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Fraudulent Activity on Credit Report Pursuant to 15 U.S.C. 1681 Dear Consumer Financial Protection Bureau, I am writing to dispute fraudulent activity on my credit report in accordance with the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I recently pulled my credit report as part of the process of purchasing a house and discovered discrepancies that require your urgent attention. 
The following discrepancies involve accounts that were not verified, and I am seeking your assistance in having these inaccuracies rectified : 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 These accounts were not verified, and I believe they are the result of fraudulent activity. I have attached documentation supporting my claim, and I request your immediate investigation into this matter. According to 15 U.S.C. 1681, I am entitled to accurate and verifiable information on my credit report, and any discrepancies or fraudulent entries must be promptly addressed. 
I kindly request that the aforementioned companies be removed from my credit report following a thorough investigation. This dispute is crucial for my ability to secure a mortgage for the purchase of a home, and I trust that you will treat this matter with the urgency it requires. 
Please inform me of any further steps I need to take or provide any additional information necessary to facilitate the resolution of this dispute. I appreciate your attention to this matter and look forward to a prompt resolution. 
Thank you,
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment with the repeated and unsuccessful attempts to correct the late opening of my accounts with your institution. Despite multiple requests for resolution, the issue remains unresolved, and I find the level ofservice provided thus far to be unacceptable. I initiated the process to open several accounts with your institution. However, due to unforeseen circumstances, these accounts were not opened in a timely manner. Since then, I have made numerous attempts to rectify this situation by reaching out to your customer service department, submitting formal requests, and following the procedures outlined by your institution. Regrettably, each attempt to correct the late opening of my accounts has been met with inefficiencies, delays, and a lack of concrete solutions. The continuous oversight of this matter has not only caused inconvenience but has also led to a loss of trust in your institution 's ability to handle customer concerns effectively. There has been a significant delay in communication regarding the status of my account opening requests. Timely updates are crucial in maintaining customer confidence. I have received conflicting information from different representatives, leading to confusion and frustration on my part. Consistency in communication is essential for a seamless resolution process. Despite assurances of follow-up, there has been a lack of proactive communication and action on your end to ensure the prompt resolution of my concerns. I understand that administrative errors can occur, but the repeated nature of these oversights and the lack of a satisfactory resolution are concerning. As a customer, I expect a higher standard of service, transparency, and a commitment to resolving issues promptly. I am requesting an immediate and thorough investigation into the reasons for the delays and inconsistencies in the account opening process. Furthermore, I expect a clear and detailed plan outlining the steps your institution will take to rectify this situation promptly and prevent similar occurrences in the future. If my concerns are not addressed satisfactorily, I may have no choice but to explore alternative avenues, including reporting this matter to relevant regulatory bodies and consumer protection agencies. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have had a very difficult time with SPS - Select Portfolio Servicing. I tried 2x 's to do a loan modification. I told by SPS the investor will not do a loan modification, its not allowed. I was then told I was approved to do a short sale. My Realtor has submitted the documents to start the process. SPS needed to do an appraisal, which was completed on XX/XX/2019. I found out the same day SPS placed a sale date of XX/XX/2019. That's in less than 30 days. SPS told me and my Realtor they would allow 60 days for marketing to sell the house. Once again, SPS lied. How can SPS be allowed to start the short sale process, and then place a sale date on me to force me into foreclosure.? Isn't that illegal in the state of California?
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. 
Please delete the following accounts 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: Mortgage

I refinanced with XXXX XXXX and received notification from then that my loan was transfered back to Seterus for my XXXX XXXX, 2015 payment. When I called Seterus to find out about payment options they had no information regarding my loan. To save myself the headache of not knowing what to do I paid my XXXX payment early to XXXX XXXX. 

I received an XXXX mail package from Seterus around the XXXX of XXXX with information on avoiding foreclosure and a packet to fill out. My mortgage was not late nor in a position for foreclosure so I was confused. When I called Seterus the representative insisted that it was a welcome packet and nothing to do with foreclosure. I insisted that it was not a welcome packet and was basically told that I did not understand what I was looking at. 

The welcome packet came the next day. I called back next day and was told there was nothing they could do about the way my call was handled the previously but that the XXXX mail package I received was something they send to everyone and that I should just ignore it. 

On the XXXX of XXXX I activated my Seterus account with my new loan number and signed up for Auto wthdrawals. The information on the auto withdrawal page said my XXXX payment would be withdrawn on XXXX XXXX. 

Today, XXXX XXXX, I checked my account information online to confirm that my XXXX XXXX payment will be processed and I could not confirm so I called customer service. I was told that they did n't show any pending ACH but that I should call back after XXXX XXXX to followup. I voiced my concern that is after my payment is due and was offered other payment options, none of which would guarantee that my ACH might not hit as well. 

I could not get any response on who processes the ACH requests, whether or not my ACH was received and just in process or how to prevent the possibility of double payments for XXXX if I used any of the other paymen options since they could not find any confirmation of what was going on with my ACH request. I spoke with XXXX XXXX, Customer Service located in XXXX, NC. today XXXX XXXX, at around XXXX. 

My experiences with Seterus so far in regards to my loan so far makes it seem as if they are focusing on putting road blocks in my way to force me to make my payment late. First, not receiving notification of my loan transfer that was effective XXXX XXXX until XXXX XXXX. Secondly not giving me a clear answer on the status of my ACH processing and if my XXXX XXXX payment will be auto withdrawn as indicated on the online submission but instead telling me to call back after my payment is due. Per the representative there was no escalation process for additonal help and callig back or using XXXX of the other payment options with the chance of a double payment were my only options. I am very concerned about the timeliness with which Seterus has handled my mortgage information and that I am not getting correspondence from them until after the fact.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the account listed as " XXXX XXXX XXXX '' account number XXXX, on my credit report. I believe the following issues require correction : Charge-Off Status : The account is marked as " charged off '' with a balance of {$12000.00}. Under the Fair Credit Reporting Act ( FCRA ), inaccurate or unverifiable information must be corrected or removed. I request verification of this charge-off status or its removal if not substantiated. 

Payment History : The account reflects charge-off statuses from XXXX to XX/XX/year>, but there was a partial payment agreement in place. This agreement should be reflected accurately, or the reporting should be corrected. 

Account Closure : The account is listed as " closed at credit grantor 's request '' in XX/XX/year>, which may be inaccurate or improperly documented under the Fair Debt Collection Practices Act ( FDCPA ).
Product: Debt collection

A negative item showed up on my credit report Account # XXXX from Jefferson Capital System alleging I owed them a debt in amount {$2100.00}. On the XXXX of XX/XX/2023, I requested a debt validation letter from Jefferson Capital on a negative item on my credit report. The so-called verification letter I received back from Jefferson Capital Systems lacks content and did not provide the following which I requested : A copy of the agreement authorizing Jefferson capital to collect debt on behalf of the original creditor. 
FULL detailed accounting history on the account and the calculations on how they reached the amount owe. 
Provide verification on any judgments connected to this account. 
Provide your license to collect in my state and your registered agent name with their address. 
Proof that the Statue of Limitations has not expired in my state for this account. 
Provide the date of the last payment on this account. 

Jefferson Capital has violated my rights under 15USC 1692 Sec.809 ( b ). and did not show any lawful authority to collect on the alleged debt claim. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I demand this negative item be roved from my credit report immediately.
Product: Mortgage

Closed on a loan in early XX/XX/2021 with Sierra Pacific Mortgage. At closing we only had a temporary account number that was not accepted on the mortgage company 's website so we could make electronic payments online. Repeatedly called them to get a permanent account number but they kept telling us they were working on it. 

The first payment date of XX/XX/2021 was approaching so we had to mail a check from our bank account 's website to the payment address with the temporary account number. The check was sent on XX/XX/XXXX from XXXX As the XX/XX/XXXX payment approached, we still did not have a permanent account number and mailed the XX/XX/XXXX payment from XXXX on XXXX to the mailing address and temporary account number. As this payment was being sent we were informed that servicing would transfer to XXXX XXXX XXXX  and that payments would be automatically forwarded. 

XXXX XXXXXXXX XXXX has been provided copies of the two mailed payments in the form of canceled checks from XXXX. They have stated which payment has not been applied, but they have not credited our account. We had Payment/Statement Inquiry ( Ticket # XXXX ) open. Check XXXX is the check that hasnt posted per their research team. 

With XXXX XXXX XXXX we have been able to make online payments and have made electronic payments on XX/XX/2021 from XXXX XXXX XX/XX/2021 from XXXXXXXX XXXX, and XX/XX/2021 from XXXX XXXX generated from the XXXX XXXX XXXX website. 

The latest communication from XXXX XXXX XXXX on XX/XX/2021 ( which still seems to go by the name of Sierra Pacific Mortgage, so not sure why the can't locate payments ) is " Unfortunately, payment history doesnt provide the check numbers. " However, it appears 4 payments XXXX, XXXX, XXXX and XXXX have been applied to your account. ''
Product: Checking or savings account

In early XXXX, I signed up for a US Bank checking account after looking to see what promotional offers other banks were offering. The US Bank promotion seemed the most promising, offering {$400.00}, if I were to sign up, deposit {$5000.00} in direct deposit within 60 days, and enrolled in online banking, all of which I did. On XX/XX/XXXX, I passed the {$5000.00} mark and have repeatedly tried contacting US Bank regarding the issue, but had not received a clear answer. Today, XXXX, I was finally able to get into contact with a banker, XXXX, who informed me that due to having been previously overdrafted, that I would not qualify for the promotion. There was no such indication that this would disqualify me, and as of right now, the account has a positive balance of {$0.00}. The maximum that US Bank ever allowed me to overdraft was for {$50.00}, and I would always bring the account back to a positive balance. Keep in mind, this is something that US Bank heavily emphasizes, too. That as long as you dont overdraft by more than {$50.00}, you are safe from any OD fees, etc. I would use that feature, not thinking it would be a detriment to me receiving my bonus, especially when I would always bring the account back to current. While it is stated that a positive balance is required to receive the bonus, there was no indication of when that positive balance was necessary, and I feel completely misled by US Bank, who I believe are doing all they can to not provide me with the bonus I earned, after having entrusted them with my direct deposits from my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax have significantly decreased my points on my credit file on XX/XX/2022. Their has been no charge to my report what so ever and no new collections nothing. But some how my report was dropped over 27points ( see attachments for a complete view of how its been affected ) I checked the updates and it showed nothing. On XX/XX/2022 I check again and nothing was changed but yet my score went up XXXX points. With no change. At this point I feel as if my credit score is not accurate and has Been inaccurately given out to companies that Ive applied for. It is damaging my reputation and causing me significant loss. I am suffering for no reason. 

I have also made complaints prior to this one stating certain accounts are inaccurate on my credit file as well, and have yet to see relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, is apparently ignoring my disputes. I have sent them a police report to advise them that they are reporting fraudulent data on my consumer credit report. Report Number XXXX and unfortunately they have added a security alert but the 3 accounts and inquires have not been investigated and or removed. I tried calling in addition to the dispute letters I have sent but- I am faced with extensive hold time. It appears they have remove the 5 different social security numbers but not the accounts- names and all fraudulent addresses XXXXr Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX inquires credit plus XXXX   XXXX  XXXX XXXX XXXX factual data protection XXXX XXXX resident screening factual data XXXX   XXXX XXXX XXXX
Product: Checking or savings account

I have a direct deposit checking account with BMO BANK N.A. California but BMO 's online tech never works properly - requires resetting password anytime I log in, and BMO attempts to send texts to confirm ID but their texts never arrive, or text arrives hours later. as a result I am unable to access my funds. I set up an external transfer to my savings account at another bank and the accounts were confirmed verified and set up for transfer but BMO cancelled the transfer of funds to a verified account for which I am the sole owner.

BMO 's procedures are unreasonable and I have no problems satisfying security requirements with other financial institutions. BMO is not " protecting me '' from my money but instead seeking to insulate itself from any possible risk of potential liability- which results in the account holder 's inability to access her own funds I am now in the process of moving my direct deposit from BMO to XXXX XXXX but I am a state government employee so the change requires 30 days. once the direct deposit has changed I can close the BMO account. yet I still need access to my funds in the meantime thank you
Product: Student loan

I signed an agreement to payoff my Citi student loans over 15 years when I started repaying my student loans. During that time, Citi student loan was servicing XXXX of my loans, # XXXX & XXXX. My total monthly payment until XXXX 2015 was XXXX ( # XXXX = XXXX and # XXXX = XXXX ). In XXXX, I paid off loan XXXX. Citi then sent me an XXXX statement showing that I owed XXXX for loan # XXXX. In XXXX, I called servicing and asked why my payment for XXXX had increased. They initially told me it was due to a mistake on their end which meant that at the current rate I would not be able to payoff my loan by the deadline. I disagreed with that person ' response because their math was incorrect. They said that the reason was due to their policy of not permitting of less than XXXX/month. I stated that provision was not in my agreement, so they were changing my contract. By the end of the call, a manager said they would fix my payment back to the XXXX amount as long as I would make XXXX payment in XXXX for XXXX. I agreed to do that and did it. On XXXX/XXXX/15 I get a call from Citi servicing stating that they can not change my payment to XXXX due to policy and my payment would be XXXX. I asked the lady to please review my repayment agreement for that provision, and I was told that she did not have a copy of this agreement. I am complaining about this change in payment amount. If this was mortgage servicing, the servicer would be getting in trouble for improper billing. Student loan servicing should be held to the same standard. Also, Citi has not sent me an explanation of why payment has changed, the breakdown of the repayment plan I am on with this new payment, or the time period it will take to repay my loan off based on this new payment. Surely this can not be the way a borrower should be treated in this manner. My loans are in good standing ; I am rarely late on payments ; if I am late, it is due to simply forgetting ; I have no outstanding late fees ; and I 've paid off a lot of my loans that I have had. Why is Citi treating me like garbage. My trust with them has gone completely away, and I am unsure if their billing statements have been accurate this entire time.