23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Since 2019, FIRST BANK OF PUERTO RICO. I try back and forward to many ways to make a Loss mitigation. LOAN NUMBER XXXX. I make a complaint to Consumer financial because they inform to many letters that is deny then upps its Ok they give the chance to make a trial I start to make the payments month by months with no problems. Then I received a letter offer me a balloon payment I dont accept but I continue the payment and bank accepted they never call to closed because the COVID-Sar 19 i got XXXX in XXXX my father and mother both died one in XXXX and my father in XXXX for cause of XXXX I never stop to make payments to the bank. Since XXXX in middle of XXXX they call me the trial that they give fall down because they need a letter from a government area taxes on house Im said that was ok but I need to take a appointment to go to that office and look for papers that they want, and I said please continue receiving the payments please they SAID NO. The bank said again to start over another Full case of LOSS MITIGATION NO MATTER WHAT THAT I ALWAYS IN THE PLAN MAKE THE PAYMENTS ON TIME ALWAYS. This is so intensive because since 2019 I try to closed this loan and right now I start again the course of another this is maybe the fifth or six time that the bank make this is going crazy. To many things in my life so sad for the lost of MOTHER AND FATHER FROM XXXX. AND I GOT XXXX TO. Its so difficult because this people in the bank want to se me going crazy, to many letters a have that they dont be Serious. In this time I star over again and send all the paper again and package of loss mitigation but the thing is that they are playing with my health emotional and physical because I can eat and to many disorders in to my body when you sum all things that I pass with my family and think they are playing with PEOPLE THAT THE ONLY THING IS WANT TO PAY AND THAT IT I received the papers from the taxes in XXXX XXXX means CRIM and send instantly. I appreciate please help me with this BECAUSE THIS PEOPLE ARE PLAYING WITH SOCIAL MENTAL AND I DONT THINK ITS FAIR Thanks again XXXX XXXX XXXX XXXX THIS IS SECOND TIME I RIGHT DOWN A COMPLAINT by me. Thanks for the HELP TRUST IN YOU. Cell phone XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX 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 the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. 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 months that are reported late 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


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


I have requested proof that this information was mailed or delivered XXXX  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! 

Delete the late payments from my consumer reports
Product: Payday loan, title loan, or personal loan

On XXXX I entered in to an agreement with a company located in XXXX XXXX, CA called, " XXXX ''. They use a finance company called Universal Account Servicing , LLC ( UAS ) based in XXXX, Missouri to offer 0 % interest financing for their services. I have been making the required minimum payment of {$100.00} regularly. In XX/XX/2020 I made a lump sum payment of {$1000.00} to try to accelerate my account and somehow a payment was sent in XXXX for {$97.00} instead of {$100.00} for a difference of {$7.00}. I received a bill from UAS for a {$10.00} late fee. They also are charging me {$220.00} in interest because I'm {$7.00} short on my payment. This is absolutely usury and I refuse to pay them {$220.00} for being {$7.00} short on a payment. I called them on XX/XX/2020 to let them know that I didn't know how the payment was sent {$7.00} short and that I could payoff the remaining balance of {$770.00} to avoid the {$220.00} fee but they will not waive the interest fee of {$220.00} and that is why I am reporting them. They told me that they will be reporting me to the credit bureaus for the {$220.00}. This is extortion for accidentally being {$7.00} late on a payment? 
Another matter is that they don't show any fees charged or interest charges on their statements. They simply just add their fees and interest charges to my outstanding balance and hope no one notices.
Product: Debt collection

I have been contacted by Profit Services Group in XXXX, Ga who advised I owe medical bills from XX/XX/2010 that has passed the statute of limitations and bills that my ex-wife were responsible for due to divorce. I have requested on several occasions to be provided proof, but only tell me the bill is mine. I asked to see the original documents from the service provider after I was informed all original paperwork was sent to Profit Services Group. Profit Services Group has failed to provide the documents and continue to threaten me with court action. 
I paid ( XXXX ) recent bills but what they are threatening now I have verbally disputed to the employee whom contacted me.
Product: Credit reporting or other personal consumer reports

I am deeply concerned about the existence of a derogatory rating on my account and the potential impact it may have on my credit. This negative rating has already resulted in the denial of a recent loan application and increased interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress this has caused me and will continue to cause until it is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting 2 accounts from XXXX totaling {$2000.00}. I have no knowledge of these accounts. I received no goods or sevices from this company. These accounts should be deleted. The other agencies deleted these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired on XX/XX//18 and I noticed an unauthorized inquiry had been made. I contacted mb Financial, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into mb Financial inquiry on my credit report to determine who authorized the inquiry.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXF # XXXX Account Name XXXX XXXX XXXX # XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I am contacting you to lodge a formal complaint against Chase Bank concerning the handling of my business account for XXXX XXXX XXXX ( XXXX : XXXX, Account Number : XXXX ), under my name, XXXX XXXX. I established this account at a Chase branch in XXXX XXXX, California, in XX/XX/XXXX. After some time, Chase closed my account, leaving an outstanding balance of {$90000.00} USD. 

In XX/XX/XXXX, I reached out to Chase to address this issue, requesting the issuance of a check for the remaining balance. Contrarily, Chase refused to issue the check. Instead, they demanded that my clients, who had made their payments via bank transfers a significant time ago, should confirm through their banking systems that the transactions to Chase were processed without any issues. This demand is not only excessively redundant but also entirely unreasonable. My clients are uncertain about how to proceed with such a confirmation, especially considering that their respective banks have already indicated that the funds were transferred to Chase without any disputes, implying that the transactions were completed as intended. 

It is unreasonable for Chase to impose the responsibility of verifying transaction validity on my clients and me, especially when the transactions have already been finalized and acknowledged by the sending banks. I urge Chase to conduct their own verification of the transactions ' legitimacy and eliminate these unnecessary procedures by issuing me a check for the remaining balance. 

I request the assistance of the Consumer Financial Protection Bureau in resolving this issue promptly. The demands made by Chase are causing undue delays and hindering my access to funds that rightfully belong to me. A swift resolution to this problem, including the issuance of a check without imposing further unreasonable requirements on my clients or me, would be greatly appreciated. 

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

Hi I tried to check my rates without pulling my credit report ( hard inquiry ). And i am still shopping arround cause the loan ammount that i need is more than 25k, then it happend to see a hard inquiry on my credit report from Upgrade, I never ment or wanted or accepted to process any loan application or accept any terms specially that the loan amount doesnt match my needs. 

Also the costumer service guy at Upgrade recommended me to send an email to XXXX to explain what happened with me so you can remove this hard inquiry from my report but didnt have any response from them. 

Please i would like to give you any kind of explinations needed to kindly remove this hard inquiry. 

Note : i was using upgrade ONLY because i can check rates with no impact on my credit score. 
My score dropped by 15 points yesterday. 

Looking forword hearing from you soon Thanks Sent from my XXXX XXXX XXXX XXXX
Product: Debt collection

I spoke with the creditor and scheduled a payment. They stated that although it is scheduled, I may still be contacted. They never I would be harassed. I received 11 calls between XX/XX/22 and XX/XX/22 ( this moment ). I may have received more, but some calls are blocked numbers which is an additional 4 calls. This does not include the 4 voice messages. 

I should not have to answer all day everyday when their system clearly shows an arrangement on file.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Welchert Financial Services failed to pay the first half of my XXXX property taxes out of my escrow account, despite full funds in my account to do so on time. 
XX/XX/XXXX I received a Delinquent Property Tax statement from XXXX County Treasurer in XXXX, Idaho, with a late charge of {$24.00} plus an interest payment of {$12.00}. I am fortunate enough to have funds available in my checking account, and I am never ever late paying my bills. Therefore, I called XXXX County Treasurers office and paid the whole year 's worth of XXXX property taxes plus the late fee and interest charge. 
Then the same day, XX/XX/XXXX I called Welchert at XXXX and spoke with XXXX. She said payment was made in XX/XX/XXXX for {$1200.00} for parcel XXXX. Right amount and parcel number, so, I called XXXX County Treasurers office at XXXX XXXX and spoke to XXXX, who said there was no record of my property taxes having been paid by Welchert in XX/XX/XXXX. So, I called Welchert back and spoke to XXXX and I told her my taxes were NOT paid by Welchert and she opened up a case. 
I called again XX/XX/XXXX to follow up and there was no status change. 
I called Welchert again XX/XX/XXXX and spoke with XXXX, still no status change. 
XX/XX/XXXX I emailed a PDF of my original tax bill and the delinquency notice to Welchert Customer service. 
XX/XX/XXXX I called Welchert yet again and spoke to supervisor XXXX, still no status change. I called XXXX County Treasurers and finally got them to email me a proof of my paid taxes, interest and late fee and I emailed that to Welchert Customer service. 
XX/XX/XXXX I received a letter dated XX/XX/XXXX from Welchert saying they are working on the issue. This has gone on long enough with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently closed and paid in full an account with XXXXXXXX XXXX XXXX. There should be XXXX balance listed on the account. I have filed multiple disputes with all 3 credit bureaus and also contacted XXXX XXXX. They gave me an attached letter stating that the account is paid in full and with a XXXX balance. They have repeatedly failed to report the correct information to the credit bureaus and all 3 credit bureaus have failed to do a proper investigation.
Product: Credit reporting or other personal consumer reports

XXXX continues to supply wrong information. My XXXX dispute was met with the following message on XX/XX/2024, and reporting same day with the next message The dispute for the account with XXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to Experian that the information is accurate. 

( This is after attaching the loan verification document below ) And ... ( on the same web page ) XXXX XXXX has reported Positive Activity : Loan Paid. 
Nice job paying off your loanyour account was last reported as having a Loan Outstanding, but now it's showing as paid with a XXXX balance. 

I also noticed that the other XXXX that they report, XXXX and transcredit took huge hits on the experian site, yet have remained stable for months, over XXXX, untill i complained about this, now they dropped to XXXX XXXXsh each How is it possible that they did any due diligence the XXXX time, let alone the second, and come up with a blanket answer that the account stands, a $ XXXX balance that was paid in full on XX/XX/2024, and a letter from affirm attached to the second dispute stating in fact it was paid?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX 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 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
Product: Credit reporting

All XXXX credit reporting companies, XXXX, XXXX, equifax ALL created a new credit history file for me when I changed my name. My SSN remained the same. I am a XXXX woman and I was having trouble getting credit after my XXXX. When I looked into it I found that all of the credit reporting companies had XXXX files for me. XXXX under my old name and XXXX under my current legal name. I am still in the process of getting this corrected, which means having them merge the XXXX files. They had instructed me to ask all of my old CC and bank loan companies to re-report the information with my corrected name. The ones that would, did but, it STILL did n't show up on my credit report. The merging of the XXXX files for each credit reporting company is where I am now. It has been a HUGE time consuming process. Many days worth of time spent on the phone to correct this issue which NEVER should have happened XXXX. XXXX they should have just started reporting my new name and new credit cards as part of my existing record based on my social security number. If I had an issue with it, i.e. if someone else had this happen they would see it on their credit report and dispute it. So, why is n't this the default? Being a XXXX person in this society is hard enough. Why do we have to start our credit history all over when we are just trying to live as ourselves. I do n't think most XXXX people would go through the long wait times on the phone and the getting run around ... when they have XXXX records that should just get merged. If I had n't had credit monitoring from before my name change and after I do n't think I would have noticed what was going on ... well not as fast. ALSO, regardless if someone is a XXXX. If someone starts using another person 's SSN with whatever name they want, they can build a credit history. So, this is making it easy for someone to create a fake identity / life. 
Please see about getting the credit reporting companies policy changed with regards to SSN and names. 
Thank you. 
A XXXX year old XXXX XXXX with 12 years credit history from when I was a XXXX and 2 years as a XXXX. Once my files are merged I will finally all 14 years of credit history that I deserve.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate personal information being reported on my credit file by XXXX, XXXX, and Experian. Below are the specific inaccuracies I have identified, which need immediate correction to avoid potential fraud or misrepresentation : XXXX. XXXX Reporting the following incorrect addresses that do not belong to me and need to be removed : XXXX XXXX XXXX XXXX, XXXX, IL XXXX .. XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX. XXXX Reporting the following incorrect addresses that do not belong to me and need to be removed : XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX .. XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX .. XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Reporting incorrect employers that are not associated with me. These need to be removed to prevent fraudulent associations : XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Experian Reporting the following incorrect addresses that do not belong to me and need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX .. XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX Reporting the incorrect name " XXXX XXXX, '' which is false and needs to be removed immediately. 

I demand that all three credit reporting agenciesXXXX, XXXX, and Experianimmediately correct these inaccuracies. Failure to do so could result in harm to my credit profile and increase the risk of fraud. I expect prompt action and confirmation of the corrections made to my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

How can I take legal action against Experian? 
Dear CFPB personnel, I urgently need your help. I have good 750+ credit score both with XXXX XXXX XXXX XXXX but a 680+ score with Experian. Both XXXX & XXXX HAVE already REMOVED MY BANKRUPTCY FROM MY CREDIT REPORT ( AFTER 7 YEARS FROM XXXX XXXX  ). Experian has so far REFUSED TO REMOVE MY BANKRUPTCY FROM MY CREDIT REPORT. Experian is getting INCORRECT info verified and hurting me in getting loan approval, credit cards etc. 
The clerk at the court house said ; THE UNITED STATES BANKRUPTCY COURT DOES NOT ( I REPEAT DOES NOT ) REPORT ANY INFORMATION TO THE CREDIT BUREAUS the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately ( I REPEAT THE BANKRUPTCY INFORMATION ON MY CREDIT REPORT MUST BE DELETED/REMOVED IMMEDIATELY ). Sincerely, XXXX
Product: Debt collection

I do not owe no debt to debt recovery solutions , llc!!!! I have paid off my student loan debt to u.s. department of education i FULL {$8000.00}.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX point is reporting me 30-60 days late because of wrong information. 

The company Shellpoint stated they processed my XX/XX/2020 loan payment on XX/XX/2020. 

I made XX/XX/2020 payment to XXXX mortgage company on XX/XX/2020 as my bank statement shows. 

I made my XX/XX/2020 payment on XX/XX/2020 to Shellpoint as my bank records show. 

I was then placed on Forbearance XX/XX/2020. 

Shellpoint Loan History does not reflect the XX/XX/2020 payment. 
What happened to the XX/XX/2020 payment? 

What payment was 30-60 days late? 

Thank you, XXXX XXXX XXXX XXXX