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

Relevant dates : XX/XX/XXXX - XX/XX/XXXX Dispute Nature : Falsely reporting late/missed payments for my mortgage payments Offender : XXXX XXXX XXXX  I am a US Veteran and took out a VA Mortgage through XXXX XXXX back in XXXX and have always paid on time and in full without fail. ( in fact I overpay and pay early to lower my interest payments ). 

In XX/XX/XXXX I went abroad to XXXX to get my XXXX with my GI Bill and did not have access to my US address or US phone number. I notified all my banks ( including XXXX XXXX ) and they assured me it wasn't a problem and that they could reach me via email. 

In XX/XX/XXXX XXXX XXXX stopped crediting my account because of escrow readjustments even though they were accepting my payments. They never notified me ( via email, as promised ) and instead held the money in their accounts earning interest at my expense. On top of that, they had the audacity to charge me late payments of {$430.00} despite holding onto my payments and also falsely reported my payments as missed/late to credit reporting agencies ( TransUnion, XXXX, XXXX, etc ) causing my credit score to plummet by over 400 points. 

It wasn't until XXXX of XXXX where they threatened to foreclose my house and seize it did they bother to contact me ( via email, as promised ). At that point I had to choice but to immediately pay the fines and bring my account back to good standing. 

After everything was settled, I called XXXX XXXX and the credit reporting agencies to dispute my credit score and XXXX XXXX refused to cooperate and my credit history lies in ruin and they also refuse to reimburse me for the fraudulently charged late fees. 

I am asking for your help in helping me fix this and restore my credit history back to its former good standing. Thank you. 

If need be, I have all my banks statements annotated and highlighted attesting to the validity of my claims, for your convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experian credit report it is showing a delinquent 30 days late payment for my XXXX with account # XXXX however the account wasn't even opened or delinquent for the month of XXXX in 2021. On my XXXX and XXXX credit reports there is no delinquency for that month or date or any 30 day late payment. I am about to go for a mortgage loan and this delinquency that Experian is deliberately reporting is ruining my credit with this inaccurate information in which I would like this fixed as the payment was on time and the account wasn't even opened then.
Product: Credit reporting or other personal consumer reports

All three Credit Bureaus ( Experian, XXXX, and XXXX ) had put a restriction on my abilities to submit a Dispute Online and enjoy their free services on my free accounts. I will need for all three of them to remove the restriction on my accounts so I can submit my online Disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

The sales associate at Forever 21 named XXXX advised me that there would be a soft credit inquire applied to my credit, if I applied for a store credit card. The associate also used her personal phone to process the application without my knowledge. I asked several times to make sure of the inquiry type and was mislead completely. I notified management ( XXXX/XXXX  ) but have yet to receive any feedback about how to resolve the unsolicited inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is specifically with Experian. First of all it is impossible to talk to a human being, I tried several times and even tried a hack on the Internet ( pushing XXXX instead of XXXX ) and none of them work. I tried to temporarily lift a freeze on my bureau so I could apply for a loan. I tried online and it refuses to accept my User Name and Password ( I know it is correct because I wrote it down and place in my safe when I put the freeze on ). When I ask to have my user name emailed to me it accepts but I never receive the email ( requested XXXX times over the past 12 hours ). I call the " Customer Service '' number and I get a machine. The machine permanently removed the freeze instead of temporarily suspending it. I tried to fix and since it is impossible to talk to a person I was unable to do so. This company needs to be put on your hit list to fine billions of dollars like you do the banks! At least banks have a customer service department that tries to actually help their customers. Credit Bureau 's seem to think they are immune to any sort of responsibility to their customers! This has got to stop!
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Any information on my credit associated with these and other beforehand mentioned XXXX, are not mines and I have no knowledge of. I did not accept responsibility for them and have no ownership of them.
Product: Mortgage

I have a Mortgage Loan being serviced by ASC. I have applied for a XXXX Loan Modification in XXXX 2012 - about 4 Years back. I have submitted tons of documents month after month after month. But every time I am getting a rejection or denial for wrong reasons or no reason at all, as happened in the current submission.Case in point, is their latest rejection letter dated XXXX XXXX XXXX ( copy attached ), which gives no specific reason for their denial. However when my 3rd Party contacted them, they say that because, I did not pay the Mortgage payments for over 3 Years, I am not eligible for a Loan Modification. I do not know, where from they are getting this new rule. Is XXXX not devised for people like me who are hard pressed to make the unaffordable Mortgage Payments? Are ASC and Wells Fargo ( the investor ) not participating in XXXX? 
Besides, there is no want of trying on my part, as I have been vigorously following up with them about my modification for the last 4 years or so. In fact it is they who are at fault, in not giving me the Modification and dragging the case on, year after year, despite my full eligibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. For the past 12 months, I have sent multiple letters to the 3 credit bureaus ( XXXX, Equifax, XXXX  ) with no luck. 

As of XX/XX/XXXX, My credit report shows inaccurate information. 

My SS, driver license information was illegally used to open multiple unauthorized accounts under my name. 

My bank ATM/Debit card was cloned/stolen and was used for unauthorized transactions on multiple occasions. 

For this reason, I was forced to change my cell phone number, close all my bank accounts, notify the IRS, all credit bureaus, and notify the respective authorities. 

I did not authorize any transactions on rafter this date, and I did not authorize anyone else to use my ATM/Debit card in any way. 

I am notifying you, according to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost or cloned/stolen ATM/Debit Card and unauthorized transactions. See especially 12 C.F.R. 205.6, 205.11. 

I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : List of unauthorized transactions. 
I am attaching a copy of each of the following documents to this letter : 1. A  copy of my Identity Theft Report which includes : my FTC Identity Theft Report IRS Notice CP01 Police Case/Report I am requesting that you remove this information from my credit report. 

Please also notify me in writing of the results of your investigation or if you have any questions regarding this notice or my requests. 

As applicable please send me written confirmation that you removed this information from my credit report. 

Account Number : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Current Creditor : XXXX XXXX XXXX  Balance : {$0.00} Account Number : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  Merchant : XXXX Original Creditor : XXXX Current Creditor : XXXX XXXX XXXX, XXXX Balance : {$0.00} Account Number Ending In XXXX File XXXX Creditor : XXXX XXXX  Current Creditor : XXXX XXXX XXXX, XXXX. 
Balance : {$0.00} Account Number : XXXX Original Creditor : XXXX XXXX XXXX Current Creditor : ( XXXX ) XXXX    XXXX XXXX A DIVISION OF XXXX, XXXX Balance : {$0.00} Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Status Transferred, closed. 
Status Updated XX/XX/XXXX Balance : {$0.00} Thank you for your help.
Product: Mortgage

My spouse and I, in conjunction with our legal representation, would like to pursue a Deed In Lieu of Foreclosure with our lender, Wells Fargo. We moved out of the property XX/XX/XXXX due to a change of employment. Since that time we have done our best to find buyers while continuing to pay the mortgage. Some of the ways we attempted to alleviate the financial strain of the mortgage was refinancing XX/XX/XXXX, renting out the property, and living with relatives. Unfortunately the cost of maintaining the property is too much, even with rental tenants. The home currently needs repairs and thus we are unable to find new tenants. When we looked at our finances we knew we would eventually run out of funds to maintain the cost of the mortgage and thus we sought help XX/XX/XXXX. 
We were informed that in order to be considered for a Deed In Lieu we would first have to go through the short sale process. Our initial request for the short sale program began back on XX/XX/XXXX. Wells Fargo confirmed the request on XX/XX/XXXX. After what seemed to be an eternity, Wells Fargo finally informed us that we had gotten approval to participate in the Short Sale Program on XX/XX/XXXX. There were no potential buyers during our entire time in the program, which expired on XX/XX/XXXX. 
On XX/XX/XXXX, I called Wells Fargo to inquire about the Deed In Lieu option, but they refused to speak to me regarding my account. On XX/XX/XXXX, we initiated legal representation as mentioned above. On XX/XX/XXXX, Wells Fargo calls me and I request that they contact my legal representation because I have hired them to assist me in pursuing a Deed In Lieu. A letter, dated XX/XX/XXXX, is sent to Wells Fargo requesting a Deed In Lieu. Wells Fargo acknowledges receipt of this letter on XX/XX/XXXX. This letter states that they will " provide [ us ] with the results on or before XX/XX/XXXX. '' It also states that " In the event additional time is needed [ they ] will contact [ us ]. We have received no such response and our legal representation has also received no such response. 
We recently, XX/XX/XXXX, received notice of a foreclosure date of XX/XX/XXXX. Our legal representation has called in attempt to find out what happened to our Deed In Lieu request, but Wells Fargo is not responding.
Product: Credit reporting or other personal consumer reports

-- - [ XXXX A XXXX ] [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ Date : XX/XX/XXXX ] TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX **Subject : Formal Complaint Regarding Mishandling of My Credit File** To Whom It May Concern, I am writing to formally file a complaint regarding the willful and malicious mishandling of my credit file, which has resulted in a detrimental loss of XXXX points on my credit score. This significant decline can be directly attributed to TransUnions failure to report my credit accounts accurately and in a timely manner, specifically pertaining to my account with XXXX. 

XXXX has reported three months of on-time payments to TransUnion, as well as to the other major credit bureaus : XXXX and XXXX. I have received consistent correspondence from XXXX confirming my good standing, which can be corroborated through my credit files with XXXX and XXXX. Despite my repeated attempts to relay this information to TransUnion, the inaccuracies in my credit file persist, leaving me with no resolution. 

The willful non-compliance in reporting the XXXX tradeline in a timely manner has resulted in the combined reporting of my credit account months after the actual payments were made. This egregious delay not only undermines my creditworthiness but directly impacts my financial opportunities, as my credit score has not had the chance to recover from prior infringements that TransUnion has perpetuated. 

Given the circumstances, I feel that this situation warrants immediate attention and corrective action. I respectfully request that TransUnion take the following actions : 1. Promptly investigate the inaccurate reporting and update my credit file to reflect the correct, timely payments made to XXXX. 
2. Issue a re-evaluation of my credit score considering the corrected information to reflect my true creditworthiness.

3. Provide a detailed explanation of why these inaccuracies occurred and the steps TransUnion will take to prevent this issue in the future.

I trust that TransUnion will take my concerns seriously and respond promptly to this matter. Please consider this letter as a pre-arbitration notice regarding the mishandling of my credit information and the ensuing harm to my financial standing. Should there be no satisfactory response or resolution within the next 30 days, I will have no choice but to pursue further legal action. 

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

Sincerely, [ XXXX XXXX XXXX ]
Product: Vehicle loan or lease

A salesman open up a account with me as a primary when I should have been the cosigner it was a scam by the salesman and the woman who open the account
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX 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 in XXXX, XXXX, XXXX and XXXX to be removed. 

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. 

XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Mortgage

We are processing a short sale and the value came back extremely high. We have requested copies of any BPO 's or Appraisals that were done but XXXX states the following : No, XXXX does not provide copies of any BPOs or other property valuations it may order in connection with a short sale. Any such valuations are proprietary documents/information that are used to help XXXX assess the price it is willing to accept for a short sale ; this information is not obtained or used in connection with an application for credit. 

We thought under the valuation rule that XXXX had to provide this information.
Product: Credit reporting or other personal consumer reports

I recently received my credit report from transunion and the IRS stated that a charge-off is forgiven for less than the amount owed, cancelation of debt may accur if the creditor can't collect, or gives up on collection, and they file on there tax return as a loss! So how are you ( transunion ) reporting ( income ) on my canceled debt of XXXX from XXXX XXXX XXXX XXXX  this amount is absolutely not accurate please explain
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank/XXXX # XXXX is reporting a new erroneous late in XX/XX/2019. I have never had a late in that month before and only on this most recent update to the credit bureaus has this late appeared. It is inaccurate and erroneous and it needs to be deleted.
Product: Debt collection

Caine Weiner is reporting inaccurate information on my XXXX XXXX Consumer Report. Ive reached out to them several times asking them to validate their alleged debt. They claim they have sent me several responses which is not true. They have send me verbiage one time which is a copy of a bill which proves nothing. I asked them to send me an agreement bearing my signature showing terms that I took on this alleged debt. A copy of a bill is not that. I sent them a letter in XXXX letting them know their option and the options I will take if this is not rectified. Caine & Weiner recently responded to the CFPB with this information below. 

Our office received an account from the creditor XXXX XXXX with respect to this consumer in XX/XX/XXXX for recovery of unpaid auto insurance premiums. Please note the balance due was not owed to Caine & Weiner. We were unable to reach the consumer by phone. Our records indicate that the creditor still shows the balance as due by the consumer. In XX/XX/XXXX in response to a credit bureau dispute our office mailed the consumer correspondence detailing the policy number, vehicle types and coverage dates specific to this account for review. The policy was cancelled in XX/XX/XXXX. Creditor records indicate coverage was provided for multiple vehicles including a XXXX XXXX XXXX and a XXXX XXXX XXXX on a policy ending in XXXX and that a payment made in XX/XX/XXXX was insufficient to cover the premium balance due at the time of cancellation of the policy. In XX/XX/XXXX and again in XX/XX/XXXX our office mailed the consumer a copy of the final bill sent by the creditor to the consumer at the time of cancellation of the policy. Our files shows closed under a disputed status. We do not show any active credit bureau reporting on this account. We encourage the consumer to contact our office at XXXX XXXX for additional assistance. 

Im uploading 1 page of my XXXX XXXX credit report showing Caine & Weiner actively reporting to XXXX XXXX along with the letter I sent certified mail to Caine & Weiner. 

WHERE IS MY PROPER VALIDATION?
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 XX/XX/2022
Product: Credit reporting or other personal consumer reports

I have disputed this account multiple times attached is the move out documents from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine, this was my husband and we are divorced. This debt has been deemed his full responsibility. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX  XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX   XXXX and there are any unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report. I have already taken action to prevent anyone else to try and open anything else under my social security number.
Product: Debt collection

To Whom It May Concern- I am victim of IDENTITY THEFT.

As a result, There was an account FRAUDULENTLY opened in my name with ALLY FINANCIAL.

This is one of MANY accounts that was obtained as result of such.

Ive provided documents of such, that being, my POLICE REPORT & VICTIM ADVOCACY documents.

Ive contacted both the CREDITOR, that being, ALLY FINANCIAL and ALL CREDIT BUREAUS advising that this is not my debt.

LATE PAYMENTS & NEGAITVE information from this fraudulent account is NEGATIVELY impacting my credit score.

It is UNFAIR to me to have an account that was opened as a result of FRAUD continuously cause a NEGATIVE IMPACT on my life.
Product: Debt collection

Date of service, XX/XX/XXXX ( XXXX  XXXX XXXX ) invoice attached. 

First notice of outstanding debt XX/XX/XXXX ( Coast to Coast Financial Solutions ) copy attached. 

Call to creditor and collection agency XX/XX/XXXX, to explain I was unaware of any such debt and questioned if the bill had been submitted to XXXX XXXX XXXX XXXX for payment and learned it had not been presented. Approximately two years thereafter XXXX XXXXXXXX XXXX submits to Coast to Coast for collection instead of billing the insurance. 

Since the date of service XX/XX/XXXX, I changed to a different insurance provider. 
When I contacted XXXX XXXX XXXX  and or XXXX XXXX XXXX in XXXX, it was confirmed that the bill had not been submitted and there was no knowledge of the same. 

Essentially, XXXX XXXX  was never billed by XXXX XXXXXXXX XXXX and I was never provided with an form of notification until XX/XX/XXXX by Coast to Coast debt collections. 

I have requested that Coast to Coast not continue to call, mail and threaten me with negative credit reporting and instead have their client bill the insurance as they should have originally for payment. 

In my desperate attempts to have Coast to Coast stop their collection tactics, I delivered a written request for them to " Cease and Desist " from any further action against me ... ... ... ... ... ... ... ... they refused and sent communication the very next day.