23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Pl ease consider this correspondence to be formal complaint to the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).    The denial letter was also not received for an appeal period to be responded to until  XXXX / XXXX  /2017 and  the file was denied  in  XX/XX/XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

An unrebutted affidavit stands as truth and judgement in commerce. I think we all know truth is sovereign in commerce. On XX/XX/2021 I sent XXXX XXXX XXXX XXXX a Negotiable Instrument # XXXX ( {$19000.00} ) to discharge remaining car balance. I sent a little more than the requested amount because they had added on XXXX worth of car insurance and I had late fees as well and I wasn't sure of any other fees that they might try and add. I wasn't requesting any amount back/change. I just wanted the account closed and settled. Also sent was a Affidavit of Truth, XXXX point XXXX XXXX XXXX, and a copy of the payoff letter. They never responded so I had a notary mail the same documents again along with a Notice of Acceptance on XX/XX/2021 with instructions to respond to the notary 's address. They never responded. On XX/XX/2021 I had the notary send the same documents again along with a Notice of Default and Opportunity to Cure with instructions to respond to notary 's address. They never responded. On XX/XX/2021 the notary issued XXXX XXXX XXXX XXXX a CERTIFICATE OF NON-RESPONSE for they're dishonor and failure to respond. I just don't understand what gives them the right to ignore my correspondence when there is a contract involved and then falsly label my account as charged-off when clearly I tendered payment which they never sent back. If there was a problem with my instrument they were to send it back to me with evidence of fault and allow me the opportunity to cure which they failed to do. I followed procedure under N.C. 25-1-202 I gave notice. N.C. 25-3-603 ( b ) states that if tender is refused there is discharge, to the extent of the amount of the tender. XXXX XXXX XXXX XXXX never gave a reason for their dishonor.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on account that I was never late for. the consumer reporting agencies have assumed a virtal role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I never been late on payments for the account that I have included screenshot inside this complaint in on dates of XX/XX/2019, XX/XX/2019. Please investigate and provide proof with statements showing these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached.
Product: Mortgage

I am going to make this short and sweet as I dont have much time. It would be much easier to speak with my husband or I about the situation as we are extremely busy trying to complete all of the tasks needed to get back into our home over 9 months post Harvey. We lost our home and the entire contents in Harvey ; left with a few clothing items and essentially have started our lives over. We have XXXX children ; ages XXXX, XXXX, XXXX and XXXX and both work in the XXXX XXXX field as XXXX XXXX. We do okay financially but definitely are not living extravagant lives. All of our money is going towards getting back into our home and will be for the next couple of years. We received FEMA full assistance among a few other small donations but when you sum up the amount lost, havent even come close to meeting the amount needed as we did not have flood insurance. Everything was moving along ; our mortgage company, XXXX was super understanding and did not require us to make payments on a home we werent living in for 6 months +! My husband had almost gotten everything in required for an SBA loan ; we were even going to be able to get an amount enough to cover not only our home repairs ( well over {$100000.00} ), but also add in our existing mortgage. All of a sudden we begin receiving paperwork from another mortgage company ( freedom mortgage ) stating that they had taken over our loan and we were IN DEFAULT! We began frantically trying to understand and fix the situation when all of a sudden on the day that we were supposed to close on our SBA loan, we were informed by the loan officer we had been working with that we were not eligible for the SBA loan due to being in default! Our SBA case manager has known from the beginning what was going on and said nothing. We were never in default until 3 weeks ago! We have now had to redo the application process among other things and to top it all off had to immediately come up with over {$11000.00} to get our mortgage that we were never told was in default current! We have no money left to pay for our home repairs and havent even begun to purchase furniture and are now stuck waiting hoping that this while SBA loan will work out. All of the things the disaster recovery assistance programs were supposed to provide for those like my husband and I have not been done ; there are numerous others going through the same thing as us if not worse.
Product: Debt collection

Southwest Credit has placed a collection on my credit report. They said that the debt was from XXXX XXXX. South West Credit phone number is XXXX. Their address is XXXX XXXX XXXX XXXX, TX XXXX. They say that this is for service provided at address : XXXX XXXX XXXX # XXXX XXXX, MA XXXX... I have NEVER lived at this address and I do not know anyone that is at this address. I have disputed this with the credit bureaus ( XXXX, XXXX, XXXX ) also with the company XXXX XXXX XXXX XXXX different times/months and they still keep trying to collect a debt that is NOT mine. This is hurting my credit and I need it to be Deleted ASAP as is is not mine! It is also affecting my buying power and preventing me from getting the best loan possible. This is very frustration as it is not mine and I have tried to get it resolved but with no success so I am writing you to help get this resolved. Thanks XXXX
Product: Student loan

I called about postponing payments on my student loans and the representative told me that I could enter into a temporary payment reduction until this was sorted out and reviewed. When I then called back for status I was told that I was not eligible due to already having been placed on a payment reduction. 

I now am confused and dont no which way to turn. I need help to postpone payments until end of 2019 due to financial hardship which Ive already explained to the company, Discover Student Loans.
Product: Credit reporting or other personal consumer reports

Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

How is this reporting accurate when the date of last activity is different on each bureau, I seeing 3 differnt dates reporting. Please send me proof of validation and conduct a proper investigation on my behalf. what WAS the method of verification that you used. Did you send a dunning letter before you reported inaacurate information?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602, states that I have the right to privacy ( 15 USC 1681 section 604 ( a ) 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 end consumer credit plan as late for any purpose. 

I do not give permission to report to my consumer profile/report and that you remove all fraudulent accounts immediately. There should not be any damages on my report as this is a defamation of character causing personal injury. I have been constantly harassed by these 3rd party collection companies. I have also received a response that clearly violates my rights according to HIPAA reporting & selling my information to those 3rd parties. I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts, remove ALL inquiries, pay me for violations, and update my credit report immediately I opt out of all 3rd party consumer credit reporting.
Product: Credit reporting or other personal consumer reports

I am contacting you regarding a series of inquiries on my account that I do not recognize. These unexpected inquiries have prompted concerns about unauthorized access and I require your immediate assistance to investigate and resolve this matter.

Specifically, the inquiries were recorded on the following dates and by the following companies : US Bank on XX/XX/XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX I did not initiate any transactions, account applications, or credit checks that would justify these inquiries. Since noticing these on my account statements, I have reviewed all my recent financial activities and found no correlation with these inquiries.

To address this issue, I have ensured all my security settings are up to date and monitored my account for any additional unusual activity. As of now, there has been no resolution or explanation provided, and I am concerned about the security of my financial information.

Please note, I have omitted personal details from this communication for security reasons. However, I am prepared to supply any necessary information upon request, through a secure channel, to help identify my account and facilitate a swift resolution to this issue.

I expect a prompt investigation into these inquiries, a detailed explanation regarding their origin, and the assurance of the safety of my financial information. Furthermore, I would like to know the measures that will be taken to prevent similar occurrences in the future.

Your prompt attention to this matter is highly appreciated.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1681 Section 1 602 ( a ). states I have a right to privacy. 15 U.S.C. 1681 604 ( A ) Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on [ insert the date that's on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, opened an account on XX/XX/XXXX ( Account # : XXXX ) with XXXX XXXX XXXX. I defaulted on this account, but later paid it in full after it went to charge off status. I am still disputing this account to be deleted from my credit report because there are multiple violations and inaccuracies, which violates multiple rights of mine. This account has hindered me from acquiring stable housing for me and my child, as well as a satisfactory quality of life for us. I would like for the credit bureaus to remove this account from all of my credit profiles due to the multiple pieces of wrong information and violations I have found. I have reached out to the creditor directly and they continuously urge me to reach out the the bureaus to have this removed, which I have done as well on XX/XX/XXXX. Please see attached the letter I have sent to the creditor and he credit bureaus. I am reaching out to the CFPB because I have received the run around from them for some time regarding this account and if they are not held accountable for violating my rights and reporting multiple inaccuracies, I will be taking them to court. 

Thank you so much for your time
Product: Credit card or prepaid card

Comenity Capital Bank closed by XXXX XXXX 's credit card without any notification. I was in good standing, had an excellent payment history with no late payments.
Product: Debt collection

Central Porfolio called from XXXX. The representative identified himself as XXXX XXXX. The company call requesting information confirmation like date of birth and others. When deny to confirm information they indicated they already send me a letter to my address. I requested the company address and was not provided. This company has my information wrong for a possible dent in a state that I do not live at. I repeatedly ask this company representative to send the information to my email or confirm the type of debt.The company continuously denied to provide this information.
Product: Consumer Loan

I have constantely requested the company not to contact me at work because it 's a monitored land line and I am not authorized to take personnel calles on this work line.
Product: Debt collection

I received a notice through XXXX XXXX that my credit dropped 20 points. I checked my credit report it showed that Credence Resource Management had file a discrepancy on my credit report for a debt that I do not know and do not owe any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my XXXX  credit report. it showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Product: Mortgage

I applied for a conventional mortgage. I was approved for the mortgage. I received the mortgage commitment. I was told that we would close by XXXX/XXXX/15. Late Friday evening on XXXX/XXXX/15 I was informed by the mortgage company that they made a mistake and submitted my loan as conventional when in fact it 's supposed to be FHA. As a result the purchase is now postponed another 3-4 weeks. Once I received the commitment I notified my landlord who rented out my current house starting XXXX XXXX. I now have no where to go with a XXXX year old son!
Product: Debt collection

After the reviewing of my Experian consumer report on XX/XX/2022. XXXX XXXX XXXX XXXX XXXX is listed as XXXX  item. With a balance of {$990.00}. I have not received any letter in the mail or phone call in validation of this debt. I reside in the State of XXXX which confirms that licensure is required to collect debt. XXXX XXXX XXXX does not have a license to conduct business in the state of XXXX.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Credit card or prepaid card

I have 5 accounts with capital one. I called to make payments over the phone. My internet was out for over a week. I explained this, however my bills were due on XX/XX/2020 so I was still on time. Rep took payments and sent me e.mail confirmation which says XX/XX/2020 XXXX XXXX I have a screenshot of my call log as well. I went to pay my other 2 bills today, XXXX, XXXX 2020 Fri, and Paid and it said it would post XX/XX/XXXX. every account has a late fee.. I talked to 2 people and a Supervisor XXXX, she says XXXX. She refused to let me speak to another manager. I am an essential worker, I work until about XXXX XXXX  I pay my bills the date it is due .. they are saying there is a cut off time.. my bill says the XXXX,,, there is no cut off time and the XXXX is the XXXX until XXXX  until it is the XXXX how is this legal? integrity issues and rip of scams how is this allowed..
Product: Credit reporting or other personal consumer reports

I did not authorize SYNCB/LOWES to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reports inaccurate information to my credit reports on XXXX, Equifax, and XXXX. XXXX XXXX XXXX 's attorney made a deal with my attorney regarding the foreclosure on the manufactured home- Stating if I moved out, XXXX XXXX XXXX XXXX not report to my credit report and I would not owe any balance. I withheld my end of the deal and moved out of the manufactured home and off the property. The manufactured home had been unoccupied and utilities had been disconnected from the home since XXXX XXXX It sat unoccupied for many months. XXXX XXXX XXXX did not withhold their end of the deal and reported it to my credit three credit reports, along with reporting inaccurate information on my three credit reports continuously. Every time I disputed the account from XXXX XXXX XXXX with XXXX, Equifax, and XXXX XXXX XXXX and/or the credit bureaus would continue to update inaccurate information with more inaccurate information. XXXX, Equifax, and XXXX should have deleted the account from XXXX XXXX XXXX due to inconsistently reporting/updating inaccurate information when disputed, along with providing proof from attorney email regarding the deal made and my moving out and it not being reported to my credit reports. XXXX XXXX  XXXX has it listed on my credit reports that the manufactured home was Repossessed in XX/XX/2019. I have a photo/print out directly from the XXXX XXXX XXXX XXXX website showing, along with a dated timestamp that the manufactured home was still on the property on XX/XX/2019. There has been various inaccurate information reported to my three credit reports- That's been on going for months. With XXXX it reports a higher balance due- The address & phone number does not match the contact information for XXXX XXXX  XXXX XXXX my XXXX & Equifax credit report. XXXX XXXX XXXX provides three different contact addresses to XXXX, XXXX, & Equifax. The ledger balances from my XXXX, XXXX, & Equifax are all different. My last reported payment date reported and the ledgers from the three credit bureaus do not match. If months are looked at, it can be seen that every time I disputed the XXXX XXXX XXXX account with XXXX, XXXX, and Equifax it will show that the three bureaus, along with XXXX XXXX XXXX just updated with more inaccurate information- Instead of removing the account from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under title 15 USC 1681a Federal law " exclusion ''. THIS IS A VIOLATION The mortgage company LOANCARE SERVICING CENTER INC was asked to stop reporting negatively on my consumer credit report because this is illegal. this is also improper use and they continue to do so even though they were verbally asked. I will start fining these corporation for failure to comply with federal laws. 
inaccurate account amounts on all three credit reporting bureau non compliant mortgage company
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report and to this day ( over 60 days later ), I have not received a response as of yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you've caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the years, someone has accessed my personal credit information. I lost my purse and wallet a few years ago. I have no knowledge of what or who this could be. This has been ruining my credit. Please remove/delete all inaccurate information from my credit report. Please correct my only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please correct my only name : XXXX XXXX I do not wish to have any telephone numbers or employers on my credit report. I have fraud inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all fraudulent accounts.
Product: Debt collection

I sent a verification of debt to the company in XXXX XXXX and the company never verified it and has been attempting to still collect the debt and is incorrectly reporting it to the all three credit reporting agencies.
Product: Mortgage

I sent PHH mortgage the notice that the semi-annual property tax payment was in XX/XX/year>. They failed to pay. The property went into Tax sale on XX/XX/XXXX. I have contacted this company to make payment and they have until XX/XX/XXXX to make payment or else they could put my property in foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX XXXX stole my identity.