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

To Whom It May Concern : Loan # XXXX for XXXX XXXX XXXX XXXX XXXX TX XXXX under the names XXXX XXXX and XXXX XXXX is being reported late to the credit report. This is in the process of getting mortgage assistance due the corona virus because of financial hardship and loss of income. We were told it would not be reported late until after the process was completed. However, there have been 2 late payments reported to XXXX credit agency. I am requesting this be taken off ASAP as you have done this in the past. This is the 3rd time you have done this and this lowers our credit score. There should be NO LATE PAYMENTS REPORTED while the application is in process. If you need to contact me please contact me at XXXX. Please remove this ASAP. You reported this as late on XX/XX/2023 on XXXX. The late payment information is below : Credit Alert Delinquent Account Reported By MIDLAND MORTGAGE - A DIV Reported On XX/XX/2023 The loan is under a mortgage modification program due to corona virus and should not be reported late at all and no negative information should be put on the credit report because of this. This is the 4th time Midland has reported this late!!
Product: Credit reporting or other personal consumer reports

I want to dispute an account in collection that I see on my credit report. The account is called XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX. Date opened is XX/XX/year>XXXX  in accordance to what I see on my credit reports. The balance is for {$180.00} but this is not my account and should be deleted/removed from the XXXX, Equifax, and XXXX credit report. I'm going to upload a Massachusetts ID card and a copy of my social security to help verify my identity. I've called XXXX XXXX already and verified my social security with them and they said it not my account based on my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Aut9mated accounts original creditors name 05 XXXX XXXX XXXX XX/XX/XXXX Amount : {$1700.00} Actions taken attempted to contact business multiple times for resolution this business has re located from original place of business and contact is not unavailable to reach. 
over 5years and 11 months this company still reports to my credit with no way to contact this company, for the request of removal from my credit report. 

XXXX  ( unsecured loan ) 15 month term Dates : XX/XX/XXXX- XX/XX/XXXX as shown on my credit report. Last payment was XX/XX/XXXX. as shown. This company states my balance was XXXX shown 30-59 days late. 
Then another balance also shown high balance {$1500.00}. 
This company states opened account XX/XX/XXXX ( 7 months ) In the account details it states shown times late 30/60/90 days shown 0 days. 
This account is being resolved through debt consolidation company representing me before any late dates accrued. I also have documentation proving this account had direct with drawl from my bank account to prevent late payments accruing, XXXX XXXX Open XX/XX/XXXX Amount is {$1100.00} with high balance shown as $ XXXX monthly payments {$110.00} this company is stating 60-89 days late. 
This is also involved with a debt consolidation company representing me before any negative activity was done with this company as well as payments and balance owed. 
This company is reporting to my credit as late when they are negotiating a settlement with the debt consolidation company. 
I have not defaulted to make payments prior before the consolidation was set in place this is incorrect info reported and is affecting my credit poorly as a resolution is in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am speechless after I saw my report recently and found there accounts that are not mine absolutely. I am requesting that you delete information off of my credit report that isnt mine. Actually I have no idea how these items ended upon my credit report, but I never signed for or agreed to these accounts. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following collection account and credit inquiries currently listed on my Equifax, XXXX, and XXXX XXXX credit report is a fraudulent collection account and not my collection account or credit inquiries which are authorized : XXXX XXXX XXXX, {$5600.00}, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX, XX/XX/XXXX
Product: Mortgage

I had a personal load with XXXX with a equity load and XXXX they sold myloan Green tree and XX/XX/XXXX my house went in foreclosure and the sheriff sale. I was evict from the house XX/XX/XXXX and have not lived in the house since then XXXX sold the loan to Green Tree. I was still trying to pay the loan and was told that once the house went in foreclosure I was no longer responsible for the loan I told this to Green Tree that I was no longer going to pay for the loan on a house that I no longer own, the house was sold XX/XX/XXXX They call me everyday of the in the morning in the evening all time of the all threatening me to pay they or move from the house I no longer own the house in question is XXXX XXXX in XXXX Michigan XXXX. They would call on different number and are still call me today. now they have this companyDitech sending me bill and increase the amount of the loanI would like them to stop sending me bill and would like the money I paid to them return to me. I can mail the letters to you if need in you need the account number it is XXXX
Product: Debt collection

I was placed into Collections for an ER visit on XX/XX/2016. I  did not visit any Emergency room on that date. The company that bought the debt did it for their gain maliciously. For the record I have a primary insurance and a secondary insurance and I never have any co-pays so there will not be any reason why I will have a medical bill that is outstanding this debt is bogus. I want your company to cease all further contact with me. If you have any questions or comments I will gladly give you the phone number to my attorney. I want the CFPB to investigate this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I have been a victim of identity theft. There are several credit accounts that are reporting which I have never done business with, inquired with, or had access to. They are showing as XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX.
Product: Mortgage

In the end of XXXX we were having trouble making our mortgage payments we called Citizens to see what our options were. They suggested a loan modification at that time and explained that process. At that time we went into default of our loan as required and started the process. On XX/XX/XXXX we signed the loan modification at that time the current amount due was {$5900.00} new payment would be XX/XX/XXXX {$1100.00} The VA funded {$43000.00} of my loan due to the extreme back log of the va the loan modification has been extremely back logged. When trying to get updates from Citizens load modification department they continuously say due to system changes check back in two weeks. Todays Date is XX/XX/XXXX. In XXXX they told me the va had funded my loan??? Today I spoke with the va to find out they are extremely back logged and that Citizens was instructed to tell va loans that they need to call va and that they would explain what was the hold up. That did not happen once. On XX/XX/XXXX we submitted to Citizens tax department that we are 100 % tax exempt and are due a refund of {$3500.00} Plus our new mortgage payment should be significantly lower as we are still paying the same payment we are now owed more money and feel we are not being treated fairly. Citizens loan modification team refuses to let me speak to a supervisor even when I had someone from the tax department XXXX with me to verify they owed me money. At this time I believe more should be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Credit Bureau ' send. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Bank of America sets weekend due dates for the payment of monthly credit bills. However, they DO NOT ALLOW PAYMENT on their site on weekends which allows to them to charge late fees. 

For example, I had a credit card payment due on Sunday, XX/XX/XXXX. On Saturday the XXXX, I attempted to pay the bill on the Bank of America site. When I tried to select the payment date, as required by their system, it would not let choose the XXXX ( or the XXXX ). I was forced to select the Monday, the XXXX which makes my payment late allowing BOA to charge a late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam ; The Information Listed Below, which appear on my Credit report does not Relate any transactions that I have made. 
This is the Result of identity Theft. Please Block and remove these Fraud Accounts off My credit.

Pursuant to section 605B of the Fair credit reporting Act, and send the required Notifications to all Furnishers of all Information. 
thank you for your time
Product: Money transfer, virtual currency, or money service

Attached please find proof of a wire transfer that was paid via wire from the Routing Number : XXXX Account Number : XXXX JPMorgan Bank This account belongs to XXXX XXXX and I know this because I received a document from JPMorgan stating he was good for the funds in the amount of {$500000.00}. He had enough money to cover 2 Settlement dates that occurred : the first one and the one where they stole my proceeds was XX/XX/2018 and the second one ofXX/XX/2018. 
This pretty much shows the fraud that occurred on XX/XX/2018. 
Trusted Settlement Services used XXXX XXXX to pay my liens, judgements, etc I just have one question, why would the buyer directly pay my mortgage balance? Isnt that very, very weird and fraudulent!? 
XXXX XXXX received payment from XXXX XXXX and it was credited to my XXXX XXXX, XXXX to : XXXX on XX/XX/2018. 
If you could get me a copy of this, that would be great but I dont know if theyll give it to me because the account is not in my name, but if not, I will forward this to the US Attorney General. 
Thank you for your continued patience and understanding with me. I truly appreciate it.
Product: Debt collection

NCO / Expert Global SolutionsThis company has been calling me for over 1 year. I have no debts.
Product: Checking or savings account

On Sunday, XX/XX/XXXX, I received a text alert that a transaction of {$50.00} had just occurred on my debit card without my approval. I checked my account and saw that a {$50.00} XXXX  gift card was purchased online using my account and was sent to someone ( recipient of the gift card was listed as e ). My XXXX  account had been hacked. ( I have not given anyone my email address, password, or access to my XXXX  account ) .A few minutes after I discovered this, I called Regions bank to file a dispute. I called today, XX/XX/XXXX, and they deemed the charge to not be fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX Date of Inquiry XX/XX/2020 XXXX Date of Inquiry XX/XX/2020 NAME : XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
Product: Credit reporting or other personal consumer reports

I had recently had a collection that was reported to my Transunion report. The account named was XXXX XXXX for the amount of XXXX . Ive already worked with the collection agency and sorted this information with them and the have sent me confirmation that the sent a request to have this collection removed from my Transunion report. Transunion has not removed this collection yet and it has been past 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

Claims I owe money but will not provide any documentation that supports this claim. Updates my credit report with negative information and will not remove it.
Product: Credit card or prepaid card

When I did my taxes in XXXX for the Year XXXX I found Credit Card opened that I did not. I contacted the Credit Cred Companies to dispute the Card and verified that I did not have anything to do with the Card being open. For months I called and disputed the Card over and over. I even disputed the Card on XXXX. All I head back is that the dispute was found I was accountable for the Card. This has been going on for years now and need them to be removed from my Credit Reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Method of Validation and Account Verification In response to file number : XXXX Dear XXXX XXXX XXXX, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The file number : XXXX is the investigation I'm responding to.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due -Pay Status -Date of last payment -Entire payment history -Past due -Payment Received -Last Payment Made -Terms 6. Purchase contract of this account The specific account ( s ) in question are as follows : XXXX XXXX XXXX XXXX XXXX # XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA.

Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.

Thank you for your attention to this matter. I look forward to your prompt response. 


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

Hey, this is XXXX XXXX, I am in stress due to you all consistently furnishing inaccurate information on my report making it very hard for me to get a job!

You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

To Equifax, Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me with a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.
Product: Credit card or prepaid card

I Applied for a Barclays JET BLUEcredit card almost three months ago ... ..I didn't get a response stating what was going on so i called... they told me XXXXthey had to identify me... so they told me to fax over my Bill, Drivers license XXXX and the SSN ... .which i did ... ..a month later... .no response ... XXXXso oh course i called again ... and was told they received everything but they couldnt read the SS numbers ... ..which is weird because the copy is as clear as day... so i told them i will send it thru the mail ... .that was a month ago ... ... ... still no response... .I have submitted my documentation twice now ... and included my SS card which i feel is dangerous with all the indentity theft going on... and still no response... .its been three months at this points ... .I JUST WANT ANSWERS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act - 1. XXXX / XXXX Account # XXXX 2. XXXX XXXX Account # XXXX 3XXXX XXXX Account XXXX XXXX 4. XXXX Account # XXXX 5. XXXX XXXX # Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

My minimum payment for my NELNET loan is {$130.00} per month. I have been making a second monthly payment to my Nelnet loan for the last year. The additional payment of {$120.00} has done nothing to drop my balance. As a matter of fact the interest accrued this month was {$430.00}. My 2 payments combined were {$260.00}. Nelnet makes it extremely difficult for any additional amount to be applied to principal and I don't understand how they can charge interest that 69 % higher than my minimum payment. 
As I was looking over my loan documents I see that my loan is a consolidation of 2 loans.

My understanding of consolidation was that 2 loans rolled into one loan. But instead it is still 2 loans and they distribute the payments randomly in order to maximize interest accruals. While my documents call it one loan with 6.5 % interest I am actually paying 6.5 % interest each on 2 separate loans. How is this legal? My credit card  charges less interest.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX is showing my XXXX account XXXX delinquent 60 days. My account is not late because I did a 2 month Deferment. Please delete this erroneous information or I will seek legal counsel. As this has ruined my credit.
Product: Mortgage

we DO NOT want you to send this correspondence to the company that we are complaining about -- Champion/ Nationstar Reverse Mortgage. We do believe we are due damages. Champion/ Nationstar -- erroneous began foreclosure procedures on our  property several times. They also added erroneous and extraneous fees to our bill. We would like to know how we can become a part of the class action lawsuit and take additional options. Please reach us at XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I received notice from my credit monitoring service that my credit score had dropped. When I opened my account, there was a notice that XXXX by Goldman Sachs had changed previous payment history on my credit report from current to 60 days late from XX/XX/XXXX to XX/XX/XXXX. I have never been late with this account and have proof that I have never been late that I will attach to this dispute. I have always been on in automatic draft program with this company to ensure that my payments are never late. I received a three month deferment from XX/XX/XXXX through XX/XX/XXXX due to being offered a deferment by XXXX Goldman Sachs due to being out of work and in a FEMA declared state after Hurricane Irma. I was advised that my credit report would not be impacted as I was under a deferment and extending my loan 's maturity date ( see attached ). My credit reporting never changed during that time frame, and now all of a sudden they have changed it. All payments before and after deferment were made on time. I called XXXX by Goldman Sachs and spoke with a XXXX XXXX. XXXX said that it seems that there has been some type of error and it would take up to 2 days for them to resolve. His explanation was very vague and I explained to him that while I am awaiting their investigation my credit reputation is being impacted because of their erroneous reporting. XXXX could not provide any other assistance and told me that he was not sure of whether the information could be corrected quickly. I advised him that just as quick as they made the error they needed to fix/resolve as I am ill considering the damage that this is doing to my perfect credit score. He said that someone would reach out to me by telephone within 1 to 2 business days but I am not confident that this company will handle as quick as necessary and that is why I submitting this dispute. I am outraged that this company with do something like this to a timely paying consumer and I will never do business with them again.