23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In the mail today, XX/XX/XXXX, I received Notice of Servicing Transfer indicating that my mortgage loan account has been transferred to another company effective XXXX XXXX. This letter is the first I'm hearing of this transfer, and I obviously was not given " at least 15 days before the effective date of transfer, '' as required. I am very concerned that my payment to the new mortgage company will not arrive in time. Additionally, I had already scheduled the payment to my current mortgage company for XXXX XXXX, and their website is not allowing me to cancel this scheduled payment. I tried calling my current mortgage company and was forced to leave a voicemail after waiting 7 minutes for someone to pick up the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XX/XX/XXXX XXXX XXXX ACCT # XXXX, has violated my rights. 

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 an account without my written instructions.
Product: Mortgage

1 ) XXXX XXXX XXXX XXXX in XXXX XXXX approved me for a mortgage in midXXXX They appointed XXXX XXXX XXXX to handle the closing and payoff to Sterling National Bank 2 ) XXXX 's attorney XXXX XXXX XXXX contacted Sterling ''  s attorneys XXXX, XXXX, XXXX XXXX in XXXX XXXX  XXXX to set up a closing date. Sterling 's attorneys need to bring Stock Certiificate and Original Lease to closing. ( Sterling is currently holding those documents to secure its mortgage. ) 3 )  Despite numerous requests over the last month, Sterling 's attorneys have failed to respond to XXXX attorney 's request for documents and a closing date. 

4 ) I am worried that XXXX will revoke its offer if no closing date occurs soon, In addition. I have already paid them over {$1000.00} dollars to get their mortgage. In addition. I am still stick with Sterling 's much higher interest rate costing me an additional $ 400-500 per month in interest. Closings and payoffs are routine business in real estate, and I wish to go ahead.
Product: Credit reporting or other personal consumer reports

Evidence attached images. 

Equifax needs to be investigated by US Federal Govt for this conduct XX/XX/XXXX My student loan reported paid in full {$0.00} balance XXXX , % ontime 20 years XX/XX/XXXX Equifax damaged my credit erasing XXXX points FOR OUTSTANDING PAYMENT HISTORY XX/XX/XXXX My student loan reported paid in full {$0.00} balance XXXX , % ontime 20 years XX/XX/XXXX Equifax damaged my credit erasing XXXX points FOR OUTSTANDING PAYMENT HISTORY Within 5 days Equifax Damaged my credit score moving to an different rating. 

XXXX & XXXX ARE ACCURATELY REPORTING. 

XXXX & XXXX DID NOT CHANGE MY SCORES XXXX is always inaccurate XXXX & XXXX are always accurate Why? 

I paid off student loans with 100 % ontime payments 20 years. 

The stupidity in this is insane
Product: Credit reporting or other personal consumer reports

I am writing to formally notify Experian of its multiple violations of federal law in handling my dispute. I have provided clear proof of identity theft, an FTC Identity Theft Report, and supporting documentation, yet Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Act ( CFPA ) .EXPERIAN IS THE ONLY ONE REPORTING THESE ACCOUNTS WHICH THEY REFUSED TO REMOVE THEM. I HAVE PROVIDED PROOF Experian is in direct violation of the following laws regarding its dispute process :. FAILURE TO CONDUCT A PROPER INVESTIGATION ( 15 U.S. Code 1681i ( a ) ) Under 15 U.S.C. 1681i ( a ), Experian must conduct a reasonable investigation when a consumer disputes an item.

Experian is required to conduct a fair, independent reviewnot simply rely on furnishers.

Experian has violated this law by forwarding my dispute to the furnisher without conducting an independent review. FAILURE TO PROVIDE METHOD OF VERIFICATION ( 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) ) Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), when a consumer requests verification of a disputed item, Experian must provide the name, address, and contact details of the furnisher, the date and manner of verification, and any supporting documentation used.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my wife and I entered into a repayment agreement with the XXXX XXXX XXXX. The terms of the agreement were for an initial payment of {$17000.00} on XX/XX/XXXX and then on or before XX/XX/XXXX monthly payments of {$4300.00} monthly thereafter, on a total balance of {$760000.00}. 

All these payments have been made on time and per the agreement. The XXXX initially reported to credit agencies in XXXX of XXXX that the loan was written off, which it was not, and then has since said we are non-payers/collections. This has ruined our credit, which we worked a lifetime to keep high and in a matter of months they single-handedly destroyed. At this point, some of the agencies have reversed XXXX erroneous write off claim, but not all, XXXX and Equifax. Recently XXXX completed their dispute by saying the XXXX claims it was accurate, even though I provided evidence of every payment on the XXXX 's own pay.gov site.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the NPDData breach, my personal information has been compromised, including 25 critical findings tied to my identity within the breach.These accounts and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.
Product: Mortgage

XX/XX/XXXX- took out HELOC with RBC ; lost job due to company closing XX/XX/XXXX- received letter from RBC would settle loan for less. Did not respond but stopped making any payments XX/XX/XXXX- decided to file bankruptcy or do modification XX/XX/XXXX- applied for modification with XXXX . They contacted RBC - told sold loan to PNC. PNC sent email to XXXX stating loan was charged off and no longer existed. Due to that fact I chose modification not bankruptcy XX/XX/XXXX-XX/XX/XXXX- made payments on house. Sold XX/XX/XXXX XX/XX/XXXX- closing attorney said RBC still had lien on house. RBC was contacted by atty and myself. They had no record of me ever having a loan. RBC Stated we needed to contact PNC, as  they sold all HELOCs to them. When PNC was contacted XX/XX/XXXX they said they had no record of my having a loan with them. Referred me to collateral research dept. They sent letter showing where the loan was charged off in XX/XX/XXXX, but I still had to pay the $ XXXXat closing or house was not clear to sell. 
Spoke to CFPA rep after this. Said I could file complaint. 
XX/XX/XXXX- having to pay this amount and then I only had a {$3000.00} check from sale of house
Product: Credit card

Tracking information for this purchase obviously indicates that the merchandise was returned to the vendor
Product: Debt collection

On XX/XX/2020, I was surprised to have opened my credit report and saw that Receivable Performance Management had placed an unknown account with the credit bureaus XXXX, XXXX  and XXXX. I have never receive a bill, a phone call or any statement of any kind from this collection agency. I called the collection agency and was able to confirm that they were not aware of my phone number, did not have my home address and was only aware of my email address.The agents even confirmed that they were not able to notify me of the debt. I asked to have the item to be deleted since it was not mine and was advised that they needed to submit a request to their manager and it could take 24 hours. I'm in the process of buying a home and this major error took my credit score down 25 points. I have cried on the phone called several times, been hung up and felt like I had to pay for something that was added to my credit report in error. They have dropped the ball and have failed to notify me of this debt, and due COVID-19 and other areas of horror I will sue them if it is not removed immediately. This company has violated my consumer rights.
Product: Credit card or prepaid card

I purchased a wallet at XXXX XXXX for less than {$30.00} and used their credit card. I got a bill in the mail on XX/XX/18 stating my account was 4 months past due and {$180.00}. This was the first I'd heard of this account being delinquent, so I immediately called to investigate. There were about {$150.00} of late fees and interest. They said my phone number on record was listed as having been disconnected, despite there having been no interruption in my phone service or change in number for sixteen years. I asked to have some of the late fees removed, splitting responsibility with them for the issue. They would only remove 1 month 's late fee, {$38.00}. I told them I was mailing a check for {$30.00} and asked if they could close the account, which they did. I have mailed the check.
Product: Credit card or prepaid card

I opened a new account with Citi Bank ( XXXX XXXX  card ) and made a balance transfer at the time of opening. They mailed a card but it never arrived. I called and verified my address and they mailed a second card which also never arrived. When I called again I spent over three hours on the phone with customer service being transferred back and forth between departments ( general customer service, account specialists and fraud department ). Each new agent asked questions to verify my identity and then placed me on hold only to return and transfer me. I was able to gather that the account had been closed 'by accident ' by one of their reps and that there was some issue with my social security number. I was told by several reps that the account could not be reopened and by several others that they would reinstate it. I was told by several reps that I had a XXXX  balance and several others reported the full balance ( from the original balance transfer ). I was told by most of the reps that there was a mismatch of social security numbers and by two or three that it did match. One rep ( early in the call ) read it back to me incorrectly, with one digit being wrong so I am assuming he entered it wrong causing the issue. Nobody I spoke to would answer any of my questions about what was going on, what the problem was, why they kept transferring me or what I could do to resolve the issue. They just kept transferring and verifying despite me telling them what was going on and asking them not to. At a certain point they exceeded the number of identity verifications they were allowed in a day and told me to call back in two days to continue this fun adventure. That's it. No further explanation. They said they were not allowed to discuss it with me even as I tried to explain that the problem was caused by a rep.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found some accounts with inaccurate payment history, dates of account open/closed, account status, & account history. These accounts were different on my Experian, Equifax, & TransUnion.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) 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 those account 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.

( CREDITOR NAME ) 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX finance stated I was 30 days late when I hear checked my credit report. I was not 30 days late, 30 days late would have been on XX/XX/2020 and on XX/XX/2020 I made my FULL payment so I was never late. I called asking them to remove it but stated they would not.
Product: Student loan

On XX/XX/2023 I discovered that Navient is mishandling federal student loans. 

Navient FAILED to properly notified loan borrowers about the status of their loans in a timely fashion. 

Navient FAILED to offer income base repayment plan as allowed by the new federal law. 

Navient FAILEDto help loan borrowers understand any and all options available under the new student law. 

In fact, Navient violates the new federal law by making struggling low-income borrowers pay their loans, when the new federal law is suppose to help them in income driven repayment status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a request to all three credit bureaus to have incorrect and inaccurate information removed from my credit report. I sent my request certified to make sure that XXXX, XXXX  and TransUnion would receive it. According to the tracking information provided by USPS.com XXXX ( tracking # XXXX ) received my request on XX/XX/2020. XXXX  ( tracking # XXXX ) received it XX/XX/2020 and TransUnion ( tracking # XXXX ) received my request on XX/XX/2020. But even though it is confirmed through the postal service that my letter has been received by all three credit bureaus I have not received a response from anyone. There are medical bills, apartment collections, inquiries and other people 's names and addresses that are not mine and that are not valid but they continue to report on my credit file and impact my ability to obtain credit.
Product: Debt collection

Dear Equifax Customer Service, I am writing to dispute a collection account listed on my credit report, which is associated with Fair Collections & Out. The account details are as follows : Creditor : Fair Collections & Out Original Creditor : XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Collection Amount : {$16000.00} Dispute and Request Violation of Privacy Act : According to the Privacy Act, XXXX XXXX XXXX XXXX no XXXX XXXX share my personal information with Fair Collections & Out without my explicit consent. The unauthorized sharing of my personal information constitutes a violation of my privacy rights. 

XXXX of XXXX ( XXXX XXXX. XXXX ) : Under the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX XXXX. XXXX, I am requesting that XXXX Collections & XXXX provide detailed verification of the alleged debt. This includes original account information and any agreements related to the collection. Without sufficient evidence, it is reasonable to assume that no such debt exists. 

XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : I request that all communications from XXXX Collections & XXXX regarding this debt cease immediately. This request is made under XXXX XXXX. XXXX, which requires debt XXXX to stop communication upon request. 

Removal of XXXX Account : Given the above concerns, I request that you remove the collection account from my credit report. Inaccurate or unverifiable information should not be reported, as it negatively impacts my credit score and overall financial standing.
Product: Credit card or prepaid card

I used my Citibank credit card to purchase a set of ear buds. 
I have 120 day theft protection on purchases with my credit card. 
Within a month they were stolen from my gym. 
I go to a private gym in my building that has controlled access and only for use by members who live in my building complex. It is not open to the public. 
The battery ran down so I placed them in a cubicle with my cell phone and keys while I finished my workout. 
The cubicles are provided for members to place their personal belongings in and members put their cell phones, pocketbooks, keys, etc. 
The cubicles are in the same room as the equipment. 
The ear buds were missing when I went to retrieve my items. 
I reported the theft, obtained the police report, and submitted a theft protection claim with Citibank for {$130.00} ( the cost of the earbuds. ) Citibank never responded in writing. On the phone they denied the claim since the earbuds were not locked up. I appealed however Citibank refused to honor the benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was given a credit report by Equifax on XX/XX/XXXX of 2022. On that credit report I found 3 hard inquiries that I found to be fraudulent, not made be me. All 3 of them occurred on XX/XX/XXXX of XX/XX/2022 The first was an inquiry made with XX/XX/XXXX Bank XXXX, and the other two were both made with XX/XX/XXXX XXXX, though one was specified as XX/XX/XXXX XXXX XXXX Card and the other was titled as XXXX XXXX Bank XXXX XXXX. I tried contacting Equifax to challenge these inquiries and to have them removed from my credit report for being fraudulent, but they told me that I needed to visit the Federal Trade Commissions website to report the inquiries. After I visited the FTCs website to see how I could report the inquiries, I was redirected to the Consumer Financial Protection Bureaus website to file a complaint about the fraudulent inquiries on my credit report, which is what Im doing now.
Product: Credit reporting or other personal consumer reports

I gave statements/proof of timely payments to experian to show prompt payment to Home Point Financial. Home Point Financial sold the loan and is refuses to answer phones or address the late payment in XXXX XXXX XX/XX/year>. XXXX refuses to address the late payment information with proof of timely payment.
Product: Mortgage

BB & T was involved in A federal investigation. The other banks settled. Where BB & T would n't. XXXX XXXX was convicted of the crime. Now there 's a lien against my dead father.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of unauthorized inquiries which do not belong to me or were opened without my permission. 

EQUIFAX INQUIRIES : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a closed account from Cavalry Portfolio Services and XXXX. The account in question is listed as an outstanding balance or showing incorrect payment status, despite the fact that this account has been paid off and should be marked as resolved. 

I have reviewed my credit report and can confirm that the account was settled in full and should not be listed as open, overdue, or containing any negative payment history. I am requesting that Cavalry Portfolio Services and XXXX provide supporting documentation to verify the information they have reported. 

Please provide the following documentation for verification : Proof that the account was not paid off, including the transaction history and the dates associated with any late payments, if applicable. 
A complete statement of the account showing the balance, any payment history, and the status of the account at the time it was closed. 
If Cavalry Portfolio Services and XXXX can not provide this documentation or fail to substantiate the information on my credit report, I request that this inaccurate and invalid reporting be removed entirely from my credit file. The information being reported does not reflect the true status of the account and is a violation of the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, inaccurate or unverifiable information must be corrected or deleted from a credit report within 30 days. If the parties involved can not supply proper evidence supporting the alleged inaccuracies, I ask that you take the necessary action to delete this erroneous information from my credit file within the legally required time frame. 

I appreciate your attention to this matter and look forward to its prompt resolution.
Product: Mortgage

My home was virtually stolen from me even though I settled twice for the full amount with the court using a lawful financial settlement. The pretender lender has been trying to get me to contract with their frivolous attempts. Nationstar Mortgage. There is a suit pending which will need to be transferred to the XXXX Court house but waiting for money to come in.