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

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXXXX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date.

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Experian continues to report inaccurate information. The account listed as XXXX XXXX XXXX XXXX has been XXXX and is now considered income per the IRS publication and can not be reported. 

This account must be deleted immediately. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Mortgage

This is in Reference to Case number : XXXX, reported XX/XX/XXXX regardingnot been able to re-financ my mortgage @ XXXX XXXX XXXX XXXX , XXXX, FL XXXX with WellsFargo/American Servicing Company. 
I have researched this issue of claiming that my mortgage is not with XXXX XXXX. 
Please see attached Documents from the " Title Company '' that shows that my mortgage instruments signed on XX/XX/XXXX was with XXXX. 
XXXX Documents attached : ( 1 ) The letter that WellsFargo/American Servicing Company Official sent to me that claimed categorically that the loan is not XXXX ( 2 ) My researched documents from " Title company '' that shows that the mortgage is with XXXX. 
All I want them to do is refinance my mortgage/Remodificagtion to lower my rate sitting at 6.626 % for the past 10 years. 
I should be able to take advantage of HARP program to lower my rate and payment. 
I have contacted other banks, I was told that my mortgage company is the only one that can do this for me, to make it cheaper. 
Note : Could you please help me with this issue. You can see it from the Title company document that it is XXXX. I am not sure why they are telling me it is not XXXX while the document says it is XXXX.
Product: Mortgage

I have been trying to get my loan modification finalized by Citizens One Bank Mortgage Servicer. I have contacted XXXX XXXX in regards to their lack of compliance is providing the most up to date information regarding the loan status and balance. A XXXX contacted me from Citizens Chairmans Office to add more frustration to the issue of the loan modification. I thought she was supposed to help but she provided nothing but a further waste of my time. The loan status is still the same as it has been since XXXX if XXXX. I have signed a finalized loan modification paperwork and continue to receive monthly statements showing past due amounts which have negatively impact my credit score with the CARES Act said should not occur. I dont know who else to notify of this issue but its very disappointing that I am making on time payments and the Citizens Banking Institution is not reflecting the correct loan balance and payments that have been made. It concerns me that fraudulent activity could be occurring because I still have not received a monthly statement with the accurate monthly payment amount and instead received one that states I am past due which is nearly impossible since I have been making payments since XXXX XXXX. It is unacceptable for me a consumer to have a binding agreement that is not being fulfilled in any manner legally. In fact what was filed with the courts is not accurately reflecting on my monthly statements and how is that so. That comes off as suspicious and fraudulent activity on behalf of the mortgage company. Whenever I call to ask why its taking so long they provide the same excuse line they have been telling me since XXXX of XXXX. We have to update our system well it should not take 7 months to do that especially when the lender Citizens does not communicate with the consumer advising them of the status and instead saying the consumer is Delinquent on a debt that the consumer has been paying a legal binding amount on. Other Mortgage Lenders are not having these problems and I can attest to that having done the process with another lender that took all of 45 days from beginning to end loan modification and updated loan status reflecting binding agreed payment amount and not impact to credit reporting. I am still waiting for Citizens to send me a updated monthly statement to reflect the amount we agreed to back in XXXX and have yet to hear anything from them about the completion of their supposedly system update. I am going to receive another monthly statement in a few days saying that I am now three months past due which is not true because I have been paying the monthly binding amount. Its very sad they can force you to make an on time payment but dont have to provide on time loan servicing and can harm me a consumer on credit reporting because of their negligence. XXXX XXXX is no help they publish these policies and dont hold the lenders accountable for doing their job leaving the consumer to figure out on their own. Why have XXXX XXXX if they dont want to help consumer and continue to let lenders practice recklessly on behalf of the consumer.
Product: Checking or savings account

On XX/XX/2020, I opened a new Capital One 360 checking account which had a public advertisement claiming that I would earn a {$400.00} bonus if I complete " at least 2 direct deposits totaling {$1000.00} or more to [ my ] 360 Checking account within 60 days of account opening. '' However, even after I have completed the above requirements and waited more than six months, I still don't see the bonus showing up in my account. 
I am very confused.
Product: Debt collection

XXXX XXXX balance in full XXXX Settlement Amount I called in this afternoon to discuss a debt that I was paying each month because I recently had the debt card we were using to make auto pays compromised. I spoke with three reps XXXX XXXX, XXXX XXXX, XXXX XXXX. I wanted to just move the XXXX pmt to XX/XX/XXXX since I was unable to pay the full amount. XXXX XXXX told me I couldnt change the payment plan because they need a payment for XXXX. I ended that call and received a call back from the other rep XXXX XXXX who said she was returning a call that dropped and after I told her what I needed to do with the acct she told me that I can not dictate my own debt and they will see me in court and hung up. I called back and spoke with a compliance supervisor by the name of XXXX XXXX. XXXX did take the time to listen to my situation and helped me get to a resolution that both of us found reasonable. She said the rep would be reprimanded for threatening me with legal actions. I Felt threatened when I was told I would be sued over trying to make payments on an account Ive been paying since it got moved to their company. XXXX did help me feel more at ease but I still dont like the practices that company is training to their employees, because who knows how many people they tell that on a daily bases and actually get to pay with the deceiving collection tactics.
Product: Credit card

Credit card charging interest in cash advance for entire term of loan, not only until the amount of cash advance is paid. I do n't mind paying a separate interest on {$100.00} cash advance, but they are charging me a higher or the same interest separately for the entire term of loan.
Product: Credit card or prepaid card

chime debit card purchased for {$300.00} only purchase authorized was {$140.00} for a flat screen tv on XXXX which I never received. My card has no balance. I have been in contact with the company no results. They questioned me about other purchase which I have no knowledge of. In my attempt to close the account company refused and sent a new card which I never activated and used.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. US BANK XXXX Inquiry Date XX/XX/2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Product: Credit card

In XXXX of this year I was made aware of a credit card my brokerage company, Robinhood, was making available. When I attempted to submit an application I was told I was being placed on a " waitlist. '' I was also told that if I was paying for Robinhood " Gold '' ( requiring an additional monthly charge ) I would be eligible for their new Gold credit card. I have now been paying for Robinhood Gold for about 10 months. I have checked back with Robinhood on multiple occasions to see if/ when my request for a Gold card would be allowed to proceed. Each time I've been told that 1 ) yes, I'm still on the waitlist and 2 ) they can't tell me if/ when my request for their Gold card will ever be allowed to proceed. In the mean time I am still paying monthly for Robinhood Gold. 

I have seen anecdotal evidence on numerous blogs that people are receiving these cards after being on Robinhood 's waiting list a short period of time, and some without even paying the monthly charges to Robinhood Gold. Something stinks here- as there appears to be no rhyme or reason, or even a publicized way that a requestor can obtain this card. 

https : //robinhood.com/creditcard/
Product: Debt collection

We have been receiving debt collection call from Bank of America Home Loans and related third party vendors for well over XXXX 7 XXXX months for a debt, which is not ours. We have called the BOA Home Retention Division, as instructed on the collection calls, at XXXX on XXXX ( XXXX ) separate occasions requesting that the calls be stopped including calls on XXXX XXXX, 2015, XXXX XXXX, 2015, and XXXX XXXX, 2015. On XXXX XXXX, 2015, we faxed and mailed a letter to BOA Home Retention Division as instructed XXXX BOA Home Retention Division supervisor, at facsimile XXXX and mailing address XXXX XXXX XXXX, XXXX, FL, XXXX. We continued to receive calls from a BOA third party vendor on XXXX XXXX, XXXX, & XXXX, 2015 and on XXXX XXXX & XXXX, 2015. We have detailed records of all calls and correspondence starting on XXXX XXXX, 2015 when we decided that we had to do something to make the calls stop. The calls are for the Estate XXXX. We do not know XXXX XXXX nor or we related to XXXX XXXX. The phone number, which BOA is calling, has been our home phone number for almost XXXX years.
Product: Credit reporting or other personal consumer reports

All creditor are Reporting this collection as an " open account '' which is not under FCRA compliance. This is inaccurate reporting and it needs to be removed immediately. Please send me a copy of my credit report when the above collection is deleted and has been removed. 

XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RC XXXX
Product: Vehicle loan or lease

Loan Paid Off XX/XX/XXXX Will not send title.
Product: Credit card or prepaid card

I have filed a dispute with PayPal and they will not return my money my dad XXXX XXXX has stolen {$9200.00} from my account I have not authorized him to use my pin or card he has done it in the month of XXXX to the month of XXXX I had no idea he was using my card I thought the temporary card I had was the permanent one and was trying to save my benefits from XXXX onto it and when I went to use my card I find out that is a temporary card and has expired and he had done ordered another one and had been using it and withdrawn all of my benefits off of it when I filed a dispute with PayPal they told me that they can not refund my money to me because I he had my pen and information to it but I didn't let him use my card he only had my PIN because he helped me set up my account but I did not authorize anyone to use my card
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$84.00} closed XXXX XXXX {$8700.00} closed XXXX XXXX {$740.00} closed XXXX XXXX {$280.00} closed XXXX XXXX {$500.00} closed in accordance with fair credit reporting act XXXX Account # XXXX, has voilated 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 consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting

Foreclosure finalized XXXX. Experian indicates foreclosure XXXX as well but also has a monthly update for foreclosure in XXXX which makes issue report as more recent and is affecting current score.
Product: Credit reporting or other personal consumer reports

I received a response from TransUnion stating they verified an account as accurate. I looked at my credit report today XX/XX/year>, and still see incomplete and inaccurate information. According to the FCRA, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. The file number is XXXX. 

XXXX XXXX - XXXX - Information is reporting inaccurate and is still not correct. 

So I request a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681i7 and 15 USC 1681i ( 5 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting on my credit bureau that I had a loan or lease with them and it was repossessed I have try to get them to remove it from my credit because I never had a loan with them or authorize a loan with them they wont provide proof that I open a loan With them on top of that I dont have a motorcycle license so how can I drive it Show proof or Remove from all my credit burea because this is fraud and I never opened account and I should be penalized for it I just had to have my credit report fix because it got tied to someone else in California showing I had credit cards and multiple auto loan and a home loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a security freeze on my SageStream file in XXXX and in XXXX attempted to temporarily lift the security freeze in order to attempt to obtain a loan with a company that used SageStream to verify identity. I contacted SageStream multiple times over the course of three days to attempt to reach them by phone and was unable to reach a live person ; in all cases, I left voicemail messages requesting that they return my call and still heard nothing.

I attempted again, multiple times over the course of three days, to fax a signed letter and proof of identity to the secure fax number that the company provides on their web site in order to have my security freeze temporarily lifted and the fax number was busy all throughout the three day attempt. 

My last resort would be to mail the information to them which would take far too long to reach the company to obtain the loan in a timely manner. 

It is criminal that these companies collect personal information regarding all manner of the lives of citizens and then provide no efficient and timely way to contact the company to protect this information or otherwise correct errors.
Product: Credit reporting or other personal consumer reports

XXXX XXXX amount {$980.00}, XXXX XXXX XXXX ( XXXX XXXX XXXX disputed this MULTIPLE TIMES and all the times they have taken it off my report and after each time all three bureaus are allowing them to put this collection back on my report. I've asked for proof of this collection and to investigate it and they don't send they only add it back on and says its verified ive also sent a Sease and desist and never gave the permission to contact me laws 15 USC 168i ( a ) 6 ( b ) 3 laws 15 USC 1681i ( a ) ( 5 ) b
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act as a Federally Protected Consumer, according to the 15 USC Code 6802 a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. XXXX, Equifax and XXXX XXXX are third parties. I have the right to make sure my private information is not shared which is backed by 15 USC 6801. It states It is policy of the Congress that any financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. 15 US Code 1681a Reporting Transaction History is illegal. According to the Privacy Act of 1974 it protects records about individuals retrieved by personal identifiers such as name, social security number or other identifying number or symbol. Individuals have the right to seek access to and request corrections or accounting of disclosures of any such records maintained about him or her. I am NOW opting out of any and all authorization I the consumer may have given written, unwritten, verbal and non verbal Per 15 USC 6802. I have included XXXX privacy policy which clearly states XXXX does not share to NON AFFILIATES. XXXX, Equifax and XXXX XXXX are NON AFFILIATES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : FDCPA Section 807 Violation Misleading False Reporting XX/XX/XXXX Account Number : XXXX Failure to perform an investigation per fcra regulation FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX Failure to perform an investigation per fcra regulation
Product: Credit reporting or other personal consumer reports

I have multiple addresses with multiple different names on my credit report that are not mine. I have my name being reported as XXXX XXXX XXXX and XXXX XXXX across all 3 credit bureaus. My actual name is XXXX XXXX. My current address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX Any other address on my Oh my credit profile I would like to be removed because this is the only Ive just done. I have lived at
Product: Credit reporting or other personal consumer reports

Subject : Request for Correction of Credit Report Information - Chase Account Removal To whom it may concern : I am writing to request a review and correction of information in my credit report, as I have identified inaccuracies in my XXXX  account, which is currently listed as **charge off**. This account was negotiated for an **amount less than the total balance**, and will be paid according to the agreed terms. The final payment date is XXXX XXXX, XXXX. 
Account** : XXXXXXXX XXXX - **Partial Account Number** : XXXX XXXX XXXX XXXX In accordance with consumer protection laws, I am informing you that you have 30 days to make this correction. If, after this period, the necessary corrections are not made or the provided information does not match updated records, I formally request the **removal of this XXXX XXXX due to the identified inaccuracies. 

I appreciate your prompt response and cooperation in maintaining the accuracy of my credit history. 

Sincerely,
Product: Mortgage

We are in the process of trying to short-sell our home. The bank has just requested that I provide them with the following information : PROPERTY INFO : - Copy of MLS - Property Condition : Good/Average/Fair/Poor - Current Marketing Condition : Stable/Declining/Improving - Repairs Needed? : Yes/No ( if repairs are needed, need description of repairs ) - Property Photos : Front of Property, Rear of Property, Close up of Address , Street View Left , Street View Right MARKETING INFO : - Positive Comments regarding property - Negative Comments regarding property - Number of Showings from your office - Number of Showings from other office - Number of Offers Received - Reduced List Price? Yes/No - Suggested List Price - Any additional comments? 
- 3 Current Comps - 3 Recently Sold Comp - Marketing Trend : Improving/Static/Declining ( provide reasoning for trend selected ) - Problems marketing? 

I do n't feel that the bank has the authority to require that our agent disclose a marketing strategy, disclose all offers, provide feedback, etc. This is asking our agent to provide information we are not comfortable sharing, as our agent is not the bank 's agent, he is the sellers agent. The bank has implied, through the negotiating firm, that any short sale would be denied if this information is not provided to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax received a valid police report. The Data furnishers are notifying me that Equifax isn't forwarding any police documentation to them for the negative accounts still listed on my credit report. So how are you verifying fraudulent balances on negative accounts from Equifax Confirmation # XXXX???