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

I have two delinquent payments on my credit report that were due to some circumstances that were beyond our control. 

XXXX. In XX/XX/XXXX XXXX XXXX mortgage originally had a billing issue and when they sent their bill they were sending it to the wrong address. So, they actually removed the delinquency, but when we sold the home 6 months later they added the delinquency back. It's almost like they were upset not to keep the loan. So, I called them and asked them why they removed it one time and then added it back later, and they said they had to report correctly to the bureaus. Then I told them how they were at fault for the original issue and once we got the correct address resolved then we paid the mortgage and put it on autopayment. They refused to remove it again. I find it very suspect that they would remove it, and then eventually put it back on later once they were no longer our mortgage lender. You can probably see from your end and from the credit agencies where they did remove it and then put it back on the credit reports. 

XXXX. In XX/XX/XXXX our mortgage was purchased by XXXX XXXX. We had just purchased an investment property in XX/XX/XXXX and the mortgage was sold to flagstar bank. So, we had the mortgage on autopay with the previous company and thought everything was fine. During this transitions, in XXXX and XXXX we were the victims of some scams and fraud where our mail was not getting routed to our address ( it was all getting sent to the post office ), and XXXX didn't have our mailing address po box on file, so we weren't getting the bills. Once I saw the delinquency on the credit report I immediately called them and paid the balance, set the mortgage up on autopay, and told them the issue. I then went to the post office and found out they had been holding our mail for XXXX, XXXX, XXXX ( See photo of me picking up the mail at the post office ). The lady at the post office was shocked to see so much mail and didn't understand why I wasn't notified with a letter or note on my door. The mortgage company said they don't handle dispute issues over the phone and I had to do a written request. So I sent in my request stating the billing address error and the mail fraud error, and they declined our request to have the delinquency removed. You would have thought they would have called me first after 15-30 days to do some collection services before submitting a delinquency to the bureaus. 

Both of these instances were billing errors on the part of the mortgage company and the company did not take any responsibility. They also didn't call me to ask me why we were late or discuss payment plan options, or in the case of flagstar they didn't call to see if we were distressed during COVID. In each case, they both showed quick hard handed responses to issues that were simple to be resolved with a mere phone call.
Product: Credit reporting or other personal consumer reports

Formal Demand for Reinvestigation of Accounts Non-Compliance with FCRA** Dear XXXX, I am writing to formally address my concerns regarding the investigation of disputed accounts on my credit report. After careful review, it is clear that the investigation conducted was not performed in compliance with the Fair Credit Reporting Act ( FCRA ), specifically under sections 611 ( a ) [ 15 U.S.C. 1681i ] and 623 ( b ) [ 15 U.S.C. 1681s-2 ( b ) ]. Under FCRA 611 ( a ), credit reporting agencies are required to conduct a reasonable investigation of disputed information within 30 days and notify the consumer of the results. Additionally, 623 ( b ) mandates that furnishers of information must investigate disputes forwarded by credit reporting agencies and report accurate findings. Based on the evidence I have gathered, these requirements were not met in my case. Failure to adhere to these legal obligations undermines the accuracy and integrity of my credit report and constitutes a violation of federal law. If this matter is not addressed promptly, I will have no choice but to pursue legal action to protect my rights as outlined under the FCRA. I demand that XXXX : 1. Conduct a thorough reinvestigation of the disputed accounts in compliance with the FCRA. 2. Provide a detailed explanation of the investigation process and the outcome. 3. Correct or delete any inaccurate or unverifiable information. If XXXX fails to take corrective action within 15 days of receiving this letter, I will proceed with filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue litigation to seek damages for the harm caused by these violations. I trust that XXXX will treat this matter with the seriousness it deserves and act in good faith to resolve this issue. Please confirm receipt of this letter and provide a response by specific date, e.g., 15 days from the date of this letter XX/XX/scrub>XXXX Sincerely, XXXX XXXX ] **Enclosures : ** - Copies of prior correspondence - Relevant documentation supporting the dispute- Copy of your credit report with disputed items highlighted the accounts are listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX stated I was in their database due to an account with XXXX. I have never had an account with XXXX and I have contacted them to inform them of such.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, 2023 I should pay at least the minimum balance ( {$80.00} ) because it was the due date. I paid the balance ( {$190.00} ) on XX/XX/XXXX, 2023.This company ( XXXX XXXX XXXX XXXX ) still reporting to the credit bureaus a XXXX  days late payment, that is incorrect because I paid XXXX  days late. I always have been a customer in good standings with them, actually the recently approved me for their XXXX  credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collecons : XXXX XXXX XXXX XXXX Experian Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX  Collecon : XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, Equifax received documentation by mail necessary to update the name on my credit report following my legal name change. 

On XX/XX/XXXX, I spoke to Equifax customer service, who informed me that my request to update the legal name on my account had been rejected- but refused to provide any description of why the request had been rejected. The customer service agent, since my new legal name was listed on under " Other Names '' on my credit report, was willing to update my account name to match. 

By the next day, my Equifax account was unable to retrieve my credit report. It displayed " Please give us a call and give this code to the XXXXXXXX XXXX XXXX  Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX-EQUIFAX ( XXXX ). '' I contacted customer care around XX/XX/XXXX, who assured me the problem would resolve itself within 24 hours. 

On XX/XX/XXXX, I found the problem had not resolved and called customer service to resolve the issue. They assured me they had opened a ticket for their technical support team and I should hear back within a week. 

On XX/XX/XXXX, not having heard from technical support, I called back. Customer service informed me the last agent spoke in error, and a response would take two weeks from my original report date. 

On XX/XX/XXXX, I called customer service again. They assured me the ticket had been escalated, but I would soon hear from the technical support team. I asked when that would be, and they refused to provide an estimate. I informed them that I would file a CFPB complaint if the issue was not resolved promptly. 

As of today, XX/XX/XXXX, the problem is not resolved.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Clients Need to Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Open : XXXX XXXX XXXX  Balance : {$0.00} - ChargeOff XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL, XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV, XXXX XXXX XXXX Account Number XXXX Date Open XXXX XXXX XXXX, XXXX Balance : $ XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number XXXX Date Open : XX/XX/XXXX {$260.00} -Collection Transunion XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX XXXXXXXX XXXX Account Number XXXX Date Open : XXXXXXXX XXXX XXXX  Balance : $ XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number XXXX Date Open : XX/XX/XXXX {$260.00} -Collection
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband ran our credit report and noticed on XX/XX/2021, Bank of America ran my credit without my permission. I have been out of the country since XX/XX/2021, so there is no way they got written consent from me to do so. I have my passport stamp, work visa, and airline receipts to prove it. My husband has contacted them and they refuse to speak with him as to why it was run unless I am in the same room, which is impossible. I told them when I contacted them that I am international right now with an international phone line. They refuse to tell me why it was run unless we speak on the phone. I gave them my international phone number and they keep telling me their phones tell them they are not authorized to call me overseas. I have zero information about why it was run and they refuse to tell me over email or social media. I don't have the ability to call international from my current phone. My employer has called me just fine from the XXXX so it feels like I am being punished for their inability to call me. I am currently a XXXX  on XXXX XXXX on a XXXX XXXX  so I do not have access to a XXXX phone number. I just want them to tell me why it was ran, what for, how they got permission, etc, and to remove it from our credit report. Please help. I have attached proof of identity with my passport photo and proof of being out of country.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LVNV Funding, XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Debt 15 USC 1692g Dear Sir/Madam, I am writing in response to your recent communication regarding the alleged debt referenced in your letter. ( Account XXXX : XXXX ). Please be advised that, in accordance with 15 U.S. Code 1692g, I am formally disputing the validity of this debt.

Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt you claim I owe. Therefore, I respectfully request the following : 1. Proof of the debt : A copy of the original contract or agreement, or other documentation showing that I am legally obligated to repay the debt.

2. Account history : A detailed statement showing the amount you are claiming, including any charges, fees, or interest applied.

3. Verification of your authority : Proof that you are authorized to collect on this debt, such as evidence that you are the original creditor or have been assigned the debt Please be aware that under 15 U.S. Code 1692g ( b ), your collection efforts must cease until you have provided the requested verification. Additionally, if you fail to validate this debt within 30 days from the receipt of this letter, you are required to cease any further collection activities and remove the information related to this debt from my credit report. 

This letter is sent to ensure my rights under the Fair Debt Collection Practices Act are upheld. Kindly acknowledge receipt of this letter and provide the requested information in a timely manner. 

If you fail to provide the necessary validation of the debt, I will take appropriate actions to report your violation of the FDCPA to the Federal Trade Commission and the Consumer Financial Protection Bureau. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX has deleted the payment plan I had set up and closed out the two collection accounts. But they are still doing me wrong by unfairly reporting these unpaid every month on my credit report. They are lying in their responses just to get out of being in trouble. They have removed XXXX account from my XXXX  credit report but not my others.
Product: Debt collection

Unifin continues to contact and harass me about a debt that is not mine whatsoever, and is well past the statute of limitations ANYWAYS. This is ridiculous and one would expect a company like this to know the laws at the very least.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the inquiries furnished on my report. They are XXXX. Navy Federal Credit Union XX/XX/XXXX -- XX/XX/XXXX -- XXXX XXXX. XXXX, XX/XX/XXXX XXXX. XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XX/XX/XXXX
Product: Student loan

I had XXXX federal loans with Navient Solutions, all which have different principal balances and interest rates as they were for the 4 years I was in college. As of XXXX XXXX, 2016, I refinanced my largest loan with Navient ( Loan XXXX for reference ). Per the statement on the website the balance to fulfill the loan obligation was $ XXXX. My new loan service, XXXX, paid $ XXXX to Navient, specifying the payment was only for loan XXXX. Following the funding of the loan, my statement showed a balance of - $ XXXX for loan XXXX. I called Navient and asked why there was a negative balance. I was told this was because the balance owed was really $ XXXX. I asked what the process was to get the $ XXXX back to XXXX as the re-financed loan with XXXX was at a higher interest rate. I was told by the Navient representative that they would write a check or wire the money to XXXX. Performing due diligence, I called XXXX to confirm their process. The process was confirmed by XXXX, and I was told that once the check or wire was received the $ XXXX would be deducted from my principle balance of the loan and I would be refunded the additional interest accrued at the higher principle balance. After 45 days ( I was told it would take XXXXXXXX days to process ) I called Navient. I was told by a representative that the $ XXXX was not sent to XXXX, as I had confirmed and requested in XXXX but rather applied the credit to the remaining XXXX loans serviced with Navient ( with different interest rates and balances ). Navient did this not only without my permission but also without any notification. I informed Navient I was very upset as the loan I wanted to apply the money to was a higher interest rate. I was not able to receive an explanation as to why Navient did this against my specific instructions. I pay every month on time, I have a perfect payment history ( all loans were in perfect standing at the time of being told a refund would be issued ). I performed everything to ensure this would not happen.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

Items that need attention : Experian : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/2021 Experian XXXX XXXX XXXX I called and went online to all three credit reporting agencies to order my report and talk about other individuals possibly asking for credit reports in my name. 

I was not able to talk to anybody because my identity didnt match or pass the test. 

I again tried obtaining report on the website and again was not able to get to my report. 

I would very much like to know who has changed my information so that I am refused access to my reports. 

I am now receiving text messages that there is negative reporting on my credit file. 

I am aware of individuals that are using my name around town to throw me into an abyss of financial and personal problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I conducted a consumer credit transaction with Self Financial , Inc. which claims to help improve and/or boost a consumers credit score. This type of transaction required a finance charge which was the sum of all payments including the ones I initially made and the payments in the future. Once I discovered this I reached out through email to inform the of the firsthand knowledge I had discovered but there was no understanding. After they had gave me false and misleading representation of the facts at hand I was deceived to believe I should lousy close the account so I did so. Then some time later i got a XXXX  account to check my credit scores and this transaction was reported as closed. The problem is that I covered the finance charge on the extension of my credit and through the finance charge which covered the whole loan their is supposed to be a 12 month positive on time payment history never late but its not reporting as so. I tried to dispute thus with them through XXXX but I got no results at this point I would like to sue for the fines of all the violations committed
Product: Credit card

I am disputing the collection account with ALLY CREDIT CARD/XXXX  account number XXXX XX/XX/year>, with a balance of {$00.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX XXXX XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting or other personal consumer reports

My account with TransUnion 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 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 XXXX  days before the payment due date. 


TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( 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 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