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

Transunion dropped my score from XXXX to XXXX applying for XXXX XXXX credit card. I year later. my score is still the same after not being approved for the card. ok
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my consumer report I noticed inaccurate informations that do not belong to me.
Product: Mortgage

This complaint is against Rocket Mortgage : **On XX/XX/XXXX I made my mortgage payment of {$910.00} ( the amount due on that due date ) **On XX/XX/XXXX Rocket Mortgage made an UNAUTHORIZED withdrawal of {$910.00}. My financial institution XXXX  XXXX XXXX replaced the full amount. I paid the stop payment fee to prevent Rocket Mortgage from further withdrawals. 
**On XX/XX/XXXX Rocket Mortgage made another UNAUTHORIZED withdrawal of {$910.00}. 
The money was eventually replaced. 
**On XX/XX/XXXX Rocket Mortgage made UNAUTHORIZED withdrawal which was replaced the next day. 
These transactions caused my checking account to be overdrawn which met I had no access to my funds. Rocket Mortgage claims that I approved these even after I refereed them to my profile stating that I did not have auto-pay and insulated that I may have simply forgotten. I am XXXX XXXX XXXX and took that comment as a insult.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and to demand immediate corrective action regarding ongoing inaccuracies and discrepancies across the three credit reporting agencies : XXXX, Experian, and XXXX. Despite previous dispute efforts, these agencies continue to report inconsistent and incorrect information, affecting my credit profile and causing significant distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$2600.00}
Product: Credit reporting or other personal consumer reports

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

On XX/XX/2019 I called all 3 credit bureaus ( XXXX, XXXX, Experian ) have asked them to remove all of my old addresses and phone numbers that are on my credit reports they said they would but none has yet to be removed. I have also asked them to remove XXXX  XXXX from my accounts as this is account is reporting incorrectly on to all my credit reports. XXXX XXXX has also been contacted with nothing done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00} ; XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX - XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; SETTLEMENT XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; SETTLEMENT XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

Since around XXXX I have been requesting Wells Fargo to stop charging me added on insurance and to refund amounts that I paid on my auto loan that was due to be paid off in XXXX. In XXXX, after making payments for nearly a full extra year after the loan maturity date, I did not pay the remainder that Wells Fargo said was owed. I had disputed the insurance fees for years and they ignored me and I refused to pay the final amount. Wells Fargo kept my car title and charged off my account remainder. The charged off amount has been affecting my credit ever since. In XXXX I paid the charged off amount in order to get the title and change the credit report to paid in full charge off. In XXXX I became aware that there was a class action suit against WF for the insurance charges. I contacted Wells Fargo several times and they just kept telling me that they were looking into it. In late XXXX I received a request for proof of insurance. Also, in late XXXX, I received a check for {$18.00} with an explanation that it was a reimbursement owed. This is not an amount that even covers what I paid in bogus insurance fees. My credit report has been severely affected by all this for years. In XX/XX/XXXX my credit score dropped 20 points due to WF reporting my account as bad debt placed for collection. I am currently attempting to obtain an auto loan and preparing for a mortgage so this credit score drop is preventing me from doing either.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I contacted XXXX to ask for an XXXX XXXX XXXX, and it was approved. I received a letter that stated that it would take some time to show on my XXXX account, but that my qualifying loans would be {$33.00} starting at the end of XXXX. I tried multiple times to contact XXXX because I did not see it on my account online. Not only that, but I contacted them and asked for a forbearance to make sure that my account would not go past due. XXXX did not apply the forbearance on my account, and then they reported 90 days past due to all three credit bureaus. They reported that I was past due in the amount of {$710.00} which was not true. I have attached the letter that was sent to my online XXXX account. I spoke to XXXX XXXX XX/XX/XXXX after receiving notifications that my XXXX XXXX had dropped XXXX points due to XXXX adding a XXXX past due to my account. They told me that they would apply the forbearance and that they would dispute my account to the credit bureaus, but I never received confirmation. I was on the phone for over XXXX hours. They have ruined my XXXX XXXX and I need it fixed. I was in the process of a loan, and now I am not able to. 
I need this fixed. I did everything on my part and they did not! Not only that, but I contacted XXXX by email, chat, and phone calls, and nothing! I have been on hold for hours just to get hung up on. My credit score dropped thanks to them and I need it fixed. They ruined it and I have been super upset.
Product: Debt collection

I have sent a certified letter to MRSBPO on XX/XX/XXXX, requesting verification of the debt associated with Account # XXXX for a balance of {$200.00} as of XX/XX/XXXX. Specifically, I requested documentation that includes my signature as proof of my responsibility for this debt. 

To date, MRSBPO has not provided any documentation containing my signature or a clear record of when this account was opened. Additionally, more than 30 days have passed, exceeding the time frame legally required for a response under the Fair Debt Collection Practices Act ( FDCPA ). 

Since no proper validation has been provided, I request that : All collection efforts on this account cease immediately. 
This account be removed from my credit report. 
MRSBPO notify all relevant credit bureaus that this debt is invalid and should be deleted from my records. 
I receive written confirmation that this debt has been removed and that no further collection attempts will be made. 
I expect a timely resolution to this matter.
Product: Credit card or prepaid card

I see an account from Bank Of America on my credit report, but I don't know anything about the repayment terms and I can't seem to get a copy of the original credit application or contract. I am requesting that BOFA please provide me with the credit application and contract for this account so that I may better understand things. I am requesting that Bank of America communicate in writing only and not call me on the telephone as I work during the daytime and can not take calls at work.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 ( a ) To Whom It May Concern, On XX/XX/XXXX and XX/XX/XXXX I forwarded correspondence demanding that you block and delete fraudulent accounts and information appearing on my credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( a ) under the Fair Credit Reporting Act ( FCRA ). I was a victim of the Transunion data breach, and my personally identifiable information was compromised, leading to unauthorized accounts being opened in my name. To date, the below items remain on my credit/consumer reportTHIS IS not my THIRD formal request the immediate blocking and deletion of fraudulent accounts and information appearing on my credit report as a result of identity theft, pursuant to 15 U.S.C. 1681c-2 ( a ) under the Fair Credit Reporting Act ( FCRA ). I was a victim of the Transunion data breach, and my personally identifiable information was compromised, leading to unauthorized accounts being opened in my name. The fraudulent accounts in question are as follows : Account Name XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX : As per 15 U.S.C. 1681c-2 ( a ), you are required to block and delete the disputed information within four business days of receipt of this request. Additionally, you must cease reporting these accounts to any third party. I expect a written confirmation from your office once the fraudulent accounts have been blocked and removed.
Product: Mortgage

Mr. Cooper ( mortgage company ) has failed to file a cancellation of security deed/release on my property when i refinanced back in 2017. I am selling my home and when the title company started their process they stated there needed to be a lien ( security deed ) release from Mr. Cooper. The title company, the closing attorneys and myself have contact Mr. Cooper for resolution. They have yet to provide myself, the title company or the County in which i reside the lien ( security deed ) release that i need to have a clear title.

The title company has asked for a copy of the cancellation. i have asked for a lien ( security deed ) release. The closing attorney has asked for a copy of the lien release. They refused all of our request.What i need from Mr. Cooper is a lien release/security deed. I am currently with another mortgage company was supposed to obtain the security deed from them but that never happened. 
My original mortgage was with XXXX at which was sold to Northstar at which was sold to XXXX and then sold to Mr. Cooper. 

If this does not get resolved I will loose out on {$140000.00} and a happier retirement! 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an existing XXXX XXXX account balance with Experian- ref number for Experian XXXX and they refuse to update my account to reflect a XXXX  balance. They have stated that they contacted XXXX XXXX ( account number XXXX ) and that the company verified the account. 

See below .... 

Credit Report dated XXXX XXXX, 2017. Your request was logged as case # XXXX and is now closed. 

We have completed the appropriate updates as a result of our investigation. We strongly recommend reviewing your updated credit report. Should you have additional items or questions, please submit a new dispute referencing your now closed case. 

XXXX XXXX XXXX  account information has been verified with the creditor/ supplier : Our request to disclose the name of the creditor has been declined at this time
Product: Debt collection

I am submitting this complaint once again to request thatI am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The Following account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have been a victim of identity theft. My information has been exposed in the XXXX data breach. The following account is not affiliated with me nor received any money, goods, or services as a result of identity theft or they were authorized by me. If you claim this acccount is 100 % accurate and verifiable then I need this Creditor to provide me with copies of any documentation associated with these account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file. : BANK OF AMERICA XXXX Balance-
Product: Debt collection

Midland Credit Management keeps calling and harassing me about a 6 year old debt that was already disputed and removed from all credit bureaus as unverifiable. My phone number is on the National Do Not Call Registry and I also told them multiple times to stop calling and send all correspondence to the mailing address they have on file. They continue to call me daily.
Product: Debt collection

They told me I need pay my car payment when I been told them I was sick not able to work and on top of that I had collection agents trying get loan money when I was sick not able to work they damage my credit on on all three credit bureaus I been trying get it fixed and deleted I been stressed really stressed I be wanting to hurt my self cause of it need it cleared
Product: Credit reporting or other personal consumer reports

RE : Dispute of Unvalidated Debt Account Number : XXXX ( XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the accuracy of an entry on my credit report. The entry in question pertains to an alleged debt reported by XXXX XXXX XXXX on behalf of XXXX, referenced by account number XXXX. 

After requesting validation of the debt from XXXX XXXX XXXX, I have found that they failed to provide sufficient evidence that the debt is valid. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ), a debt collector must cease collection efforts if they are unable to validate the debt, which includes reporting the debt to credit bureaus. 

Despite my request, XXXX XXXX XXXX has not provided : A signed agreement or contract proving that I am responsible for the alleged debt. 
Documentation confirming their legal right to collect on behalf of XXXX. 
As this debt has not been validated in accordance with FDCPA requirements, its reporting to the credit bureaus violates 15 U.S. Code 1692e ( 8 ), which prohibits the communication of false or misleading information to third parties, including credit reporting agencies. 

I respectfully request that you immediately remove this unvalidated account from my credit report as it is inaccurate and unsubstantiated. I have attached supporting documentation, including my correspondence with XXXX XXXX XXXX, to assist in your investigation. 

Please notify me in writing once the account has been removed. I trust that you will handle this matter promptly to ensure the accuracy of my credit file, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. 

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

Sincerely, XXXX XXXX [ Enclosures : Copies of correspondence, documentation ]
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation into Loan Mismanagement and Compounding Interest by XXXX Description : I am writing to request an investigation into the mismanagement of my student loans by XXXX and prior loan servicers, which has resulted in compounding interest, inflated balances, and undue financial hardship. Below are the key details : 1. Background : I completed XXXX school in XX/XX/year>, after which I enrolled in graduate school at XXXX XXXX. While in graduate school, I began receiving bills for my XXXX loans, despite being informed by a U.S. Department of Education representative that payments would not be required during my enrollment. I was told that paying $ 80 monthly would keep my loans in good standing. I followed this advice but continued receiving threatening notices. 

I contacted the Department of Education again and was told that no payments were necessary while in graduate school and that I could request a refund of my payments. However, when escalated to a supervisor, I was informed that refunds were not possible, leaving me frustrated and misled. This miscommunication contributed to my withdrawal from graduate school, halting my education. 

2. Military Service : I served 7 years in the XXXX XXXX XXXX and utilized the XXXX XXXX XXXX during my XXXX studies. I remained in regular contact with Financial Aid and Veterans departments to ensure all paperwork was submitted correctly, yet I still experienced these issues. 

3. Current Status : My XXXX loans, originally {$15000.00}, have grown to over {$60000.00} due to compounding interest. Over the years, my loans have been transferred multiple times ( from the U.S. Department of Education to XXXX XXXX, and now to XXXX ), and I have repeatedly been denied access to my complete loan records. 

4. Impact : These errors have significantly impacted my credit score, resulting in denials for housing and financial opportunities. I have also been unable to pursue further education due to my damaged financial standing.

Request for Resolution : - Investigate XXXX and previous servicers for mismanagement and failure to provide accurate information. 
- Ensure compounding interest and erroneous fees are removed. 
- Provide complete documentation of my loan records, including payment history, interest accrual, and transfers. 

I have already updated my information with all credit bureaus to reflect my current address and phone number, but they keep coming back and just like last year I had to call experian to request my credit report. 

Please investigate this matter and help ensure that servicers comply with federal laws protecting borrowers. 

Thank you for your assistance.
Product: Debt collection

Good Evening, My credit report shows a collection from your agency. I was never notified of this collection. Furthermore, I do not believe this debt is accurate at all. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following :
Product: Mortgage

On XX/XX/21 at approximately XXXX XXXX. I called New Day mortgage. Their agent XXXX XXXX answered the phone, he asked a few questions, told him I was looking for mortgage at 2 %. Did not finish for what yet! He asked for my & my wife 's social security # s. He then said I'll be back! After a few minutes he came back on the line, I asked him what he DID! Then asked if he did a credit check! Was I it soft or hard! His answer was hard! I Did NOT Authorize IT. I then asked him to spell his first & last names and his license #! He then told me we can '' t do bussiness! And hung up!
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE BANK USA - **** Opened Date XXXX XXXX, 2019 Balance {$0.00} I am concerned about the applicability and consistency regarding your new research as well as the late payments pertaining to this specific account and exactly how it is reporting on my credit report. Around 45 days ago I called for an inspection for the reason that I felt the item seriously isn't being documented just recently. To my shock I was given a notice stating that your assessment was fulfilled and that the item had been " confirmed as appropriate. Below Section 1681 ( g ) please make sure to create me personally with a description of the approach designed to ensure the account is " exact '' and post me the name and addresses of persons got into contact with per laws based in the FCRA.
Product: Debt collection

I open a checking account with my XXXX that I've been receiving for 28 yrs. This XXXX XXXX charged me over and over for months XXXX till they bill got up to XXXX dollars repeatedly took my whole check which was automatically deposited every month they did that without asking me they are a bunch of crooks And I see there CEO is up on charges for the same thing they did to me Please help
Product: Debt collection

Penn Credit is stating I owe them,XXXX I never had such agreements with this company and its not legal for them to get information about me from another company.They must be confused or just trying to scam me.I want this account removed soon as possible.