23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Ford Motor Credit due to their failure to properly credit same-day payments made through their online payment system. This issue results in late payments being reported to the credit bureaus, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and federal credit reporting laws. 

Under the FCRA, creditors who report to credit bureaus must provide accurate information and must correct or delete any information that can not be verified as accurate. Specifically, 15 U.S.C. 1681s-2 ( a ) mandates that furnishers of information to consumer reporting agencies, such as Ford Motor Credit , have a duty to provide accurate information and update or correct any inaccurate information. Furthermore, if you dispute an item on your credit report and the furnisher fails to adequately investigate and respond, they violate the FCRA. Ford Motor Credit 's failure to properly credit payments and their lack of response to disputes through credit agencies or direct communication is a breach of these obligations.

Additionally, creditors are required to adopt reasonable procedures to ensure accurate reporting of account status. Ford Motor Credit 's failure to credit same-day payments accurately leads to false reporting of late payments, which is both misleading and damaging to my credit report. The FCRA ensures that every consumer has the right to dispute inaccurate information and requires the furnisher to conduct a reasonable investigation into the dispute. Ford Motor Credits actions not only obstruct my ability to maintain a fair credit report but also directly violate federal law by not validating the debts when requested and by failing to respond properly to disputes.

I demand that Ford Motor Credit remove the late payments from my credit report for the XXXX  XXXX XXXX, as their practices violate the FCRA. If they continue to report inaccurate information or fail to correct their systems to prevent further errors, I will pursue all available legal remedies under the FCRA, including seeking damages for any harm to my credit reputation.
Product: Credit reporting or other personal consumer reports

I am following up with the CFPB for the second time and relation to my one and only address i have provided the companies XXXX experience and XXXX with my state ID and other documentation showing my only address but the companies have not updated nor sent me of The old address is being removed. To Whom it May Concern : I recently pulled a copy of my credit reports On all three bureaus XXXX, XXXX and Experian and noticed the following information are in error : Names And Addresses and phone numbers I have filed a FTC report that i have attached to this document here today. The following are, Phone Numbers : are incorrect and is damaging my credit health ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiries : I gave no written consent to furnish or pull I do not recognize The inquiries which are listed in Ftc report attached Addresses that need to be deleted or updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have given your company more than 30 days to remedy the false and incorrect information. You have not written nor responded. Which will be XXXX XXXX XXXX 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 or other personal consumer reports

According to the XXXX XXXXn upaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a XXXX ( Cancellation of Debt ) for the following charged off account : Account # XXXX XXXX XXXX XXXX XXXX After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently leased a XXXX XXXX from XXXX XXXX in XXXX NH. ( XXXX XXXX XXXX ) The dealership did a hard pull of my credit. That was fine, then before I selected a vehicle they did another hard pull of my credit through XXXX XXXX. XXXX  uses an agency called " SageStream LLC '' ( XXXX XXXX XXXX ). SageStream reported a score of XXXX. The dealership than went to XXXX XXXX XXXX and through XXXX my score was XXXX. I have my truck and I'm happy with it. 
However attempting to contact SageStream has been difficult. I used their online dispute form two months ago, nothing. I called their customer service number multiple times, and nobody ever answers. I left three detailed messages ; they claim to get back withing a day. That has not happened. 

Please Help
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX Block Request Dear Sir or Madam : I am a victim of XXXX The information listed below, which appears on my TransUnion credit report, is the result of that XXXX 
Accounts : Account numbers : Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX And the following inquiries was as a result of the XXXX and Im requesting it to be removed. 
INQUIRIES : DATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of signed self attestation form to prove I am human who has been a victim of XXXX  so I do not need TransUnion to say or write me and say they could not verify me or my account. 
Please block this information from my TransUnion credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX XXXX  or XXXXXXXX XXXX  if the consumer has provided documentation of XXXX  to the agency. I have attached documentation of my self attestation to you TRANSUNION Survivors do not need to provide additional evidence to prove their connection to trafficking, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to request that you remove the following accounts listed below due to multiple late payments and inaccurate information reported, Ive disputed these accounts several times in addition to filing a complaint with the Cfpb and the incorrect information constantly came back as verified which is a clear violation of my rights and has had a detrimental impact on my credit score, significantly decreasing my chances of being approved for homes and credit. I request these accounts be deleted within four days of receiving this per 15 U.S.C 1681 c-2. Ive disputed these accounts several times, and they continually came back as verified with inaccurate information, violating 15 U.S.C 1681i.

15 U.S.C section 6801 without written consent from the consumer, I never consented to my account being furnished The late payments reported in this account are a clear violation of 15 U.S.C 1666B XXXX  XXXX : This account is reporting a date opened on XX/XX/XXXX, but reporting date opened on XXXX as XX/XX/XXXX ; in addition, Transunion is also reporting a high credit on a closed account ; for {$340.00}, while XXXX is reporting a {$0.00} high credit. 

Open Sky : This account reported the date opened as XX/XX/XXXX but XXXX reported the date opened as XX/XX/XXXX ; Transunion also reported a high credit of {$390.00} on a closed account while XXXX is reporting {$0.00}. Last Transunion is reporting the date last active as XX/XX/XXXX but XXXX is reporting a date last active as XXXX XXXX XXXX : This account is reporting the date opened as XXXX XXXX while the XXXX and XXXX reported XXXX date opened as XXXX XXXX. TransUnion is also reporting a high credit on a closed account in the amount of {$480.00} ; while XXXX and XXXX are reporting a high credit amount of {$0.00}. Transunion also reported the date last active as XX/XX/XXXX while XXXX reported the date last active as XX/XX/XXXX TransUnion is also reporting an incorrect address XXXX XXXX XXXX which was the result of fraudulent activity and was supposed to be removed. As well as the employment XXXX which I have no knowledge of. 

And inquiries in which I have no knowledge of XXXX XXXX XXXXXXXX XXXX XXXX Please delete these accounts and update my report in addition to the last few creditors who checked my score.
Product: Debt collection

I never received any information from the original creditor at XXXX XXXX XXXX XXXX XXXX which I never opened anything with this company to begin with. I was checking my credit report and notice the amount of {$12000.00} was already sent to collections under the company Midland Credit Management. These were fraudulent charges to begin with and I never opened any account with the creditor.
Product: Checking or savings account

I received an Emergency from BOA ( my bank NEVER uses this to identify the message ) text late in the evening from ( XXXX ) XXXX requesting me to use a link the text provided, to check my personal banking account, and verify if I approved an extremely larger Bill pay which will be debited from my bank account. This text was meant to trigger me into using the link required check my bank account.
Product: Mortgage

I received a late property tax notice with late fees attached on   XXXX   XXXX   XXXX  . I tried to call Fay Servicing , LLC that day and also emailed them. Since then I have sent numerous emails and called several times. I get a random account manager who directs me to leave a message with my assigned account manager. I ALWAYS have to leave a voice mail. The  XXXX  time I reached her on    XXXX   XXXX   XXXX    she stated she would investigate and call me back the same day. Never heard from her. I have attempted twice since then to have anyone call me back, no one has. This is supposed to be paid out of my escrow account, which they have. On   XXXX   XXXX   XXXX   another late fee will be assessed. This is mishandling of funds. I have checked with the tax assessor and it still has not been paid. There have been  XXXX  emails sent to  Fay Servicing  and several voice mail messages left. The one time I spoke to someone they stated it was paid on time in    XXXX   XXXX   XXXX   The   XXXX   XXXX   Tax assessor stated it has not.
Product: Credit card or prepaid card

My XX/XX/XXXX, Bank of America credit card statement had a New Balance Total of {$4400.00} with a Minimum Payment Due of {$44.00} by XX/XX/XXXX. On XX/XX/XXXX, I initiated a {$4700.00} balance transfer from my BoA account to my XXXX XXXX account. The transfer posted to my BoA account on XX/XX/XXXX. I also had autopay setup through BoA 's bill pay system, and it autodrafted my previous account balance of {$4400.00} on XX/XX/XXXX. This meant my XX/XX/XXXX BoA statement had a New Balance Total of - {$4300.00} with a Minimum Payment Due of {$0.00} by XX/XX/XXXX. The Important Messages section on Page 4 of the statement clearly says " You have a credit balance and do not need to make a payment on your account. '' I did not routinely check my BoA account or bank account after verifying the balance transfer had posted, so when I noticed this draft from my bank account I was very upset and called BoA. They indicated they had no control over the e-bill system and didn't know what had happened. I requested they refund the payment, which they finally did on XX/XX/XXXX. I verified the money was back in my bank account and didn't think anything else needed to be done. On XX/XX/XXXX, I tried to use my BoA card online and it was denied. When I logged into my account, it showed my account was past due and that I had missed a payment. I double checked my XXXX statement and verified it showed {$0.00} minimum payment due by XX/XX/XXXX. At this point I was very upset, so rather than call BoA I used their online chat system. I believe the representative I dealt with was XXXX. She initially said I'd missed a payment, then after 30 minutes of back and forth explaining the situation to her, she credited the {$25.00} missed payment fee, and said she had fixed the account. 

I assumed the issue was taken care of until I tried to use my card online today and it was once again denied. This time I called BoA and had to go through the whole scenario again. The first rep explained that I'd missed a payment in XXXX that was caused by BoA refunding my XXXX payment. I explained my XXXX statement shows there is {$0.00} due so there was no way I could have missed a payment. I finally asked to speak to her supervisor. The supervisor looked at the account, noted that the {$25.00} had been credited on XX/XX/XXXX, but then said I should have made a minimum payment in XXXX and that there was nothing she could do about it other than take a payment today. I once again pointed out the XXXX statement and she told me that you have to make a payment every month, which is ludicrous.
Product: Credit reporting or other personal consumer reports

I took out a {$5000.00} loan with the company called XXXX XXXX XXXX XXXX until they decided to give my account over to another company called SST. I had no knowledge of this company making any soft inquiries on my credit account, and because this company made this inquiry, it looked as if it was a new account that I opened, so my credit score plummeted from XXXX to XXXX : - (. I do not think this is fair because I made an agreement with XXXX XXXX, not SST!! why in the world was my credit affected in this way, credit that I have worked VERY HARD to maintain???!!
Product: Mortgage

Sent in LOAN ASSUMPITON sent in LOAN PACKAGE TO PUT IN MY NAME XXXX sent in LOAN MODIFICATION says cant due to EXCESSIVE FOREBERANCE put offering loan at XXXX why no mod??????? So many packages so many excuses!
Product: Debt collection

By XX/XX/2018 I begun to receive calls from Comenity Bank / Victoria Secret Stores about an account that I haven't paid for many months. I decided to call back and told them that I don't recognize this account, they pushed me that I have paid. I told them many times that I never opened any account like this. Thanks!
Product: Money transfer, virtual currency, or money service

I was the victim of a hacking fraud on XX/XX/2021. I received an email that day, claiming I had renewed a subscription costing something like {$300.00} and if I did not want to renew I had to call a number. I called the number XXXX and a man told me that I had already been charged but that he would process a refund if I followed his instructions. I am a XXXX year old man, so I don't always follow things very quickly but he had me download something and the next thing I knew he had taken control of my laptop computer. He said was doing it to process my refund. My daughter in law and then my son came into the room during this, and my son looked at my computer screen and realized that this person was transferring money out of my Citibank account using XXXX. My son shut the computer off, but not before the hacker made two transfers of {$990.00} each. I have no idea what account the transfers went to, but I did not make them and I did not authorize them. This person, whoever he was, had total control of my computer and he said he was transferring money to my account, not from my account. I almost immediately called Citibank to report the fraud. I had my daughter in law with me to help me. I gave them the information they asked for to the best of my ability. Now I got a notice from Citibank saying that my report was not " credible ' and they are deeming the transfers to be authorized. This is totally false and I don't understand how they could possible think that based on what happened. They must be able to see where the money went and that whatever account it is it is not someone to whom I have ever transferred money before. I called them right away, so they should have been able to stop the transfer if they wanted to. I am on a fixed retirement income and losing {$2000.00} is terrible for me. For Citibank to say these transfers were authorized is just wrong and horrible.
Product: Checking or savings account

XX/XX/2023 I received a chip debit card in the mail, issued in my name, from Citizens Bank. I have never opened an account with them. I have never heard of the bank. According to their website. Debit cards issued by them are linked to a checking account with their establishment. That the information required to do is is -drivers license/state ID #, SSN, Email Address & Phone Number. I have no idea how they were able to get all that information. 
I have called several times. Being on hold upwards to 45 minutes. I have emailed their fraud department. Telling them that I would be following up with a phone call and certified mail. I decided to go through this route to get documentation. 

At this moment, I have just now sat on hold for 56 min to be able to talk to someone at this company. Explained the situation. And put me back on hold.
Product: Mortgage

XX/XX/XXXX Freedom Mortgage Attention : Customer Service : Subject : Loan [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ).

I am writing because : The service received from day one has been very unprofessional and subpar. Please note I closed on XX/XX/XXXX and a notary came to my home. I signed all of the required documents and thought things were completed. Freedom Mortgage didnt realize the closing had taken place and sent a second notary to my home to finalize things. Just recently I received a check from Freedom Mortgage for {$3100.00} which came from my escrow. The check was sent to me in error ( mishandling ) of funds. The removal of those funds from my escrow caused my escrow to have a negative balance at that time. Freedom Mortgage withdrew my XXXX payment for the increased amount which caused several payments to be returned as non-sufficient funds. 
Please note multiple calls as well and written communication have been made to Freedom Mortgage. Most contact results in my questions/ concerns being unanswered to my satisfaction. Ive been mistreated and my account has been mismanaged since day one. Please note Ive been passed around from one customer service person to another to no avail. Finally I was put in contact with XXXX XXXX. Mr. XXXX has tried to make sense of things. 
Please note the unprofessionalism and mismanagement of my mortgage has caused my stress level to elevate. The withdrawing of the increased mortgage payment caused me a hardship. I pride myself on maintaining a good credit profile and situation like this can cause negative information to be reported to the credit bureaus. Ive been pulled away from my work trying to resolve these matters, often the hold times are unacceptable and most calls end in no resolve. 
Please advise what can be done to compensate me for the unprofessionalism and mismanagement of my mortgage. Ive made the XXXX payment in good faith. It would be nice if XXXX payment could have been waived and my account credited for the inconvenience caused. I can be reached at : ( XXXX ) XXXX. 

I understand that under Section 6 of RESPA you are required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

PanAM collection contacted me first by calling my cell phone and left a voicemail. Called them back to find out who they were and why they were calling me, told me they were collecting a debt on a medical bill. They continued to call repeated times. The bill was paid in full with the medical group, documentation was send to PanAM collection company showing the bill was paid for the full amount listed on the bill! When the called a few weeks ago they were told the receipt was mailed out and XXXX proceeded to use profanity towards me.
today I received another phone call from XXXX first on my cell phone then to my house phone, my wife answered the phone and told him the bill was paid in full and he is requesting more money be paid.
Product: Debt collection

I sent a debt validation letter including to stop calling my cell phone to Oxford Law , LLC. I kept records of the phone log and pictures of my cell phone. Oxford Law , LLC never validated the debt and continued to call my cell phone without my consent. I retained an attorney to sue Oxford Law , LLC for violations of the Telephone Consumer Protection Act in Federal Court. Due to the overwhelming evidence against Oxford, they settled with me. We settled at mediation for less that what was due because Oxford claimed they would file bankruptcy if we received a larger settlement. My attorney filed a Motion to Dismiss the federal case and the federal court did not retain jurisdiction of the case. Oxford Law sent only one payment from a different company, XXXX XXXX, XXXX and then stopped paying on the settlement agreement. 
My attorney filed another complaint in state court and Oxford Law did not respond to the complaint. There was a default judgment against Oxford Law in state court. I hired a judgment specialist to find Oxford 's assets in order to garnish it to pay the judgment but Oxford Law is hiding its assets. It is a total hypocrisy for Oxford Law to harass people for debts they can never validate and then not pay on a settlement agreement for their violations of consumer protection laws. I am working to see if Oxford Law , LLC will pay the judgment against it. It is highly unethical that the attorneys that own Oxford Law , LLC will not pay the settlement agreement and then not pay the state court judgment.
Product: Credit card or prepaid card

I had a " New Balance '' on a Capital One Platinum Credit card of {$340.00}. I paid {$380.00} in two payments before the due date of XX/XX/2018. I was charged interest on the New Balance despite the language on the credit card agreement which states that if the New Balance is paid before the due date, no interest will be charged. I called the credit card company but they refused my claim. I paid the balance on the account and closed the account. However, I feel the practice of the credit card company is illegal and is not typical of the other credit card companies I do business with.
Product: Credit reporting or other personal consumer reports

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX