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

XX/XX/XXXX To Whom It May Concern, This letter to explain the journey before and during COVID-19. I need Shellpoint Mortgage Servicing to fix the mistake and remove the late payment reported in the credit report. 
In XXXX of XXXX my ex-husband lost his work after 20 years which was working as XXXX for XXXX Stores in XXXX Florida. 
Since then things changed and we ended up filed for divorce in XX/XX/XXXX and finalized on XX/XX/XXXX. 
The forbearance was approved XXXX of XXXX until XX/XX/XXXX and due to Covid-19 circumstance the lender call at the end of forbearance and offer an extension until XX/XX/XXXX. 
My ex-husband found a part-time job at time but it wasnt enough to pay the bills. 
In XXXX of XXXX the Shellpoint Mortgage Servicing called again to know the status of the situation which nothing changed. They extended until XXXX of XXXX the forbearance plan. My ex-husband continue looking for work full time position and no luck. 
They extended again until XX/XX/XXXX and follow up regard to financing situation which still the same. The divorce finalized on XX/XX/XXXX. We didnt have alternative and try to comply with the due date of the forbearance plan. We decided to put the house for sale when the listing start on XX/XX/XXXX. 
The Shellpoint Mortgage Servicing called to follow-up then we notified them the house was put for sale due to lack of income. They agreed to extend again until XX/XX/XXXX. 
We notify them in XX/XX/XXXX that forbearance will expired next day if we need another extension to cover the selling period. 
They said no needed because they could see the house was in the market and nothing will be report to the bureau. The house was pending sale on XXXX and deal didnt go through. 
We notify the Shellpoint Mortgage Servicing and advised us the nothing need to be done at this point and no extension needed it. Finally! We sold the house on XXXX and paid in full. Our mortgage was FHA Loan Number XXXX and qualify for extension up to 18 months. Shellpoint Mortgage Servicing keep telling us everything is okay nothing do to and ended up reporting 1x 60 days mortgage payment late. If the forbearance expiring 18 months after the initial request XX/XX/XXXX then will expires on XX/XX/XXXX. Why 60 days reporting on my credit report.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, have reviewed my consumer reports and noticed theres inaccurate information on my credit report.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer reporting agencies have assumed a role and responsibility to report consumer information to the best of their ability with maximum accuracy. This is the law according to the FCRA. 

I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and asked for them to investigate and remove the inaccurate account from my consumer report that they are illegally reporting and have requested the original application bearing my signature. Such proof clearly hasnt been provided. This is a violation of the FCRA. This disputed item should not appear on my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attachments I am making this complaint on my own behalf There is no third party involved This is not a mistake nor misrepresentation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Dear Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX Made on : XXXX Made with : Transunion To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Product: Student loan

On XXXX/XXXX/XXXX I contacted ACS in order to get assistance with bringing my account current. I was told that I did not qualify for a forbearance. On XXXX/XXXX/XXXX at XXXX I called back with a rep from the loan guarantor on the line. I spoke with XXXX XXXX who said that I was eligible for a forbearance for 4 months. She further represented that my accounts would be brought current, the forbearance had been re-submitted and was pending and she had expedited it. In XXXX I received a bill from ACS requesting a payment for a date that had already passed. I began calling ACS immediately to correct the errors to my account and deterine why it was past due. I was told that the forbearance was not applied for XXXX as I was told it would be. In addition I was told that the income based repayment that I applied for was not applied until XXXX XXXX {$13000.00} ) and therefore, I was past due for the standard amount ( $ XXXX ) for the month of XXXX. I made an immediate payment as instructed in order to prevent my account from being reported more than 30 days late. I made payments on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have contacted ACS twice a week each week in order to attempt to reach a resolution on my account. Each time I am told something different. Most notably, on XXXX XXXX, XXXX, XXXX of ACS, informed me that the XXXX payment would be corrected to reflect the payment due of {$130.00} and that the negative credit bureau reporting for the months of XXXX, XXXX XXXX and XXXX XXXX would be removed. I was told on both XXXX XXXX and XXXX XXXX, XXXX that internal investigation requests had been submitted and that XXXX would recieve results within XXXX10 business days. Despite following up on many occassion in writing, I have yet to recieve results. I requested a copy of my promissory notes on XXXX XXXX, XXXX. I have not recieved a copy as requested. I have rquested a copy of all correspondence that was sent to me since XXXX XXXX and was told by XXXX as well as a supervisor, XXXX, that ACS would not and could not provide correspondence because it had already been sent to me and ACS does not keep a copy of correspondence. My loans are being reported as 165 days days past due on XXXX XXXX, XXXX and today I was told they are 168 days past due. Each time I call the loans are past due for a different amount, a different number of days, despite making payments on time for my current payment amounts.. I have contacted this company trying desperately to resolve my account without success or response.
Product: Debt collection

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is agains t Harvard Collections for r eporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.     I want the negative credit reporting to cease and for the collection account to be deleted from my credit report
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX of 2016, we sent a letter to our mortgage company, Summit Funding, requested the PMI be removed from our home loan. They responded with a letter stating we had to pay Summit FundingXXXX {$420.00} for an appraisal. We paid this in XXXX of 2016. No appraisal was ever done, Summit FundingXXXX cashed our check but never followed through with the appraisal. We were told by a XXXX XXXX employee in XXXX of 2016 that the money would be refunded to us. We have not been refunded our money. Our last contact with XXXX XXXX was a curt e-mail response to us : " Per the notes on your account there is no refund due for the appraisal fee ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed medical accounts collections information, late payments reported by  XXXX  and an account from the University  XXXX   XXXX  that is not mine with no corrections.   My score went from being  XXXX  to  XXXX  within a couple of weeks with no changes to my Transunion credit report. When I called customer service they said it was because  my medical collections up dated which my understanding is the collectors can not update dates when I have not made any payments and nothing has changed on the collection accounts. However somehow they are able to report new dates and make the accounts appear to be new. I have late payments with  XXXX  which are not correct because I was only s ent one paym ent to pay and I was not made aware of a {$25.00} payment. I applied for income based payment plan and was just told to make  one p ayment and was never explained that my direct loan was a separate payment.  The U niversity  XXXX   XXXX  is reporting a charge off fr om 2001 th at is not mine and they have not communicated with me how this is my debt.
Product: Student loan

For over two years, I have spent hours on the phone trying to lower my monthly payment. I have been enrolled in many programs that were affordable, but was kicked out of each program upon further review from auditors. 
Navient claimed my co-signer could afford to pay the amount, therefore I did not qualify for the program. 
When I was kicked out of the programs, my payment remained the same - high amount - which I can not afford. 
Navient would send letters stating to call them, as there are many repayment options. I would call, and again, I would be enrolled in programs of monthly payments I could afford - then upon review - was dropped due to my cosigner being able to afford higher payments. 
For over two years, I have received multiple credit hits, ruining my credit. This is my debt, not my co-signers. 
It has been a nightmare dealing with this " company! ''
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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Credit reporting or other personal consumer reports

This company continues to report false information regarding the status of my credit line with them. My payments with them are due on the 4th of every month for a total of {$340.00}. 

The XXXX payment due on XX/XX/XXXX was made on XX/XX/XXXX. Yet not only was it reported 30 days late with 10 business days left in the cycle, but they also then added the next month 's payment to it and reported the total due for XXXX as {$770.00}. How can you make next months payment due before the current month has even passed? 

Payments made in XXXX : {$380.00} - {$36.00} more than the payment due {$31.00} as a payment to cover late fees, which if I am correct arent even supposed to be reported. 

XX/XX/XXXX payment was made on XX/XX/XXXX for {$340.00} again before the end of the 30-day reportable period and for more than the balance due. 

At this point, it seems the only thing this company will understand is punitive damages as they appear to have no fear of action by the Consumer Financial Protection Bureau ''. 

This relates to previous reports filed with your agency XXXX Wells Fargo XXXX- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a data breach on my report. There has been inaccurate information reported that does not display across each bureau. I am demanding immediate deletion.
Product: Credit card or prepaid card

Citi wrongfully reported late payment to my XXXX  credit report : Delinquent Account Reported on XX/XX/2020 by XXXX Your account is 30 days or more past due. 
Account CITICARDS CBNA Amount {$220.00} Status Late 30 Days I have been in contact with CITI customer service several times since XX/XX/2020 to present indicating that I was unable to pay due to change in income due to Covid. I was informed that CITI will not report to the credit bureaus during COVID-19 pandemic. I have worked hard to bring my account current and I also have been wrongfully denied their COVID-19 account assistance to help my family during this troubling time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to resolve the issue of having fraudulent information appear on my credit report for a Bank of America credit card several times. The issue is that, at the time the account was opened ( XXXX ) I would have been too young ( XXXX yrs old at the time, born in XXXX ) to be a co-applicant for this credit card. My latest dispute was filed thru XXXX  on XX/XX/XXXX after contacting Bank of America. The account has recently been closed by Bank of America with an outstanding of over {$10000.00}. This is effecting my credit report in a negative manner and I have a security clearance to maintain.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding inaccurate late payment information on my credit report for the following account : [ Late payments XXXX ], [ XXXX ]. The late payment ( s ) reported are incorrect, and I believe the information is incomplete and inaccurate. I request a full investigation to verify that the account is reported correctly, including the payment history, dates, and balances. I also request proof of the alleged late payments, including statements and payment transaction records from the creditor that would show the payments were not made on time. If such proof can not be provided, I ask that my payment history be updated to Paid As Agreed, Never Late ( PAANL ) status, as required by consumer protection laws.
Product: Mortgage

I sent in a principal payment and they received it on the XX/XX/XXXX. They refuse to apply to principal until payment that is not due until XX/XX/XXXX is received. That's 3 days of extra interest on loan I am paying because they won't apply my payment.
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 consumers rights to Privacy and confidentiality under 15 USC 1681. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 items 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: Mortgage

I 've made payments to my home equity line of credit ; however the lender does not reduce the interest first - they only apply the amount paid to the principal. This enables the bank to accrue more interest and increase the amount of the loan on the back of the customer. When I sought a response from the bank, the response was that no payment was due. However, interest continues to accrue ; so by me making a payment and the bank not applying the accrued interest, I am being charged additional interest despite my paying a monthly payment.
Product: Credit card

I had a Citibank custom cash credit card ending in XXXX. I opened the account in XX/XX/year>. It was brought to my attention that Citibank unilaterally closed my account. Citibank did not make any attempts to resolve any problems with me beforehand. I never had a 30 day late payment. I have always paid on time as agreed. I never added any authorized users. This is not a joint account. My account is not associated with fraud. I never did anything illegal with my credit card ( e.g. ; online gambling ), I never submitted a Reg E claim, I never left the country or my state. I never let anyone use my credit card, I never reported my card lost or stolen. I used the card as intended and paid as agreed. There is no reason for my account to be closed. Because Citibank closed my credit card account due to no fault of my own, it negatively impacted my credit score by increasing my credit utilization ratio. In addition, Citibank never sent me an adverse action notice as required by federal law. I filed a complaint against Citibank with the XXXX however, Citibank has a F rating. I seek to hold Citibank accountable.
Product: Debt collection

These inquiries are unrelated to me, and I have no ties with the creditors listed.
Product: Credit card

I have a capital one credit card. I had an outstanding payment history until the issue in question. I had my entire purse stolen at the airport as I was going out of town for a funeral. I had submitted my payment prior to that, as per usual. Unbeknownst to me my bank account had been drained by the person who stole my purse/wallet. So the payment returned. I resubmitted the payment without looking in to why it returned, because I honestly thought it was a mistake on their end. I had already canceled my debit cards but not my full bank account ( which is what I pay with ) because I didn't know that my account was also compromised. Instead of reaching out to me to find out what happened, since this has NEVER happened before, they closed my account and reported it to my credit in less than a week! The reason I even knew about it was because XXXX sent me an alert notifying me that I had a new closed account reported on my report! 
That is so excessive and absurd. I immediately called capital one, who was of absolutely no help to me. I reported the fraud and they still refused to reopen my account. They showed no compassion and tried to make me pay this astronomical amount that was not mine. I should have had {$200.00} in available credit, but instead they closed my account.
Product: Debt collection

Phoenix Collections called me and said I owed XXXX to XXXX. XXXX XXXX XXXX 
I told them I had payed the bill directly a year ago, which I did, I a have the canceled check. The guy said OK, he then sent me a bill and marked my credit unpaid. 

They are apperently trying to extort a collection fee from me
Product: Credit card or prepaid card

XX/XX/2022, I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account, Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

For the following accounts : Acct name : TD BANK USA/TARGETCREDIT Acct # XXXX I had enclosed a copy of my identity theft report with the written letter I sent out in XX/XX/2022 Because the information you are reporting is the result of identity theft, and inaccurate. During the time this account was open, I was suffering from XXXX XXXX XXXX and XXXX and had a caretaker taking care of my things. I have reported the perpetrator to the FTC as instructed. 

I still have not received written confirmation of these actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing Equifax Consumer Reporting Agency letters and mailing them certified and faxing them for more than one year. I have asked them to only use my correct name as it is spelled and signed, XXXX XXXX. I am a consumer, a natural person and no one is helping me file this complaint. I also asked that they only list my current correct address and I have provided proof of said address where I have been at more than 2 years. This address is XXXX XXXX XXXX, XXXX, XXXX Missouri XXXX. Equifax responded that they can not delete inaccurate information because these inaccuracies are tied to accounts. this is not a reason to go against the law. The law says they must remove inaccurate information, so they are violating me and my rights and causing me suffering, economically and otherwise. I also declare that they remove my social security number from my report as I have never given them permission to publish this personal and private information.
Product: Money transfer, virtual currency, or money service

i have on numerous occasions have tried to getting a refund on cash app or even tried talking to a live agent about something that has happened on my account & have not gotten my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the XXXX data breach. As a consumer my rights has been violated numerous times by these credit bureaus and corporations. Failure to investigate these items within 30 days gives a reason to immediately remove the items I pointed out in my letters that I sent over 30 days ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. You CAN NOT have a late payment on a finance charge. VIOLATION!! Every other account should be followed by instructions. I also stated each law you violated on my consumer report inside my letters also.Compensate me for each violation that has been committed under 15 USC 1681n and 15 USC 1681o. Invoice will be attached!!!
Product: Debt collection

on XX/XX/2020 credit monitoring company contacted me regarding suspicious activity on credit report. Te same information was sent over to all three credit bureaus. These items should be removed from all three bureaus.