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

Dear CFPB, I hope this letter finds you well. I am writing to bring to your attention a concerning issue I have encountered regarding my credit report. I believe there are inaccuracies, specifically in relation to rental history information provided by CoreLogic. These inaccuracies are impeding my ability to secure housing, and I kindly request your assistance in investigating and correcting this matter promptly.

I have thoroughly reviewed my credit report, and I have identified discrepancies in the rental history section provided by CoreLogic. The information appears to be false and is adversely affecting my ability to secure housing. I understand that, under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports. 

I am requesting that the CFPB investigate this matter and work towards the swift correction or removal of the inaccurate rental history information associated with my credit report. I believe this action is essential for me to exercise my right to fair and accurate credit reporting as outlined by the FCRA. 

Enclosed with this letter, please find supporting documentation, including copies of my credit report highlighting the inaccuracies in question. I am willing to provide any additional information required to facilitate a thorough investigation into this matter. 

I appreciate your attention to this issue and your assistance in resolving it. Please inform me of the steps taken and the progress of the investigation.
Product: Credit reporting or other personal consumer reports

I submitted a complaint to the CFPB on XX/XX/XXXX, about an erroneous account on my report. On XX/XX/XXXX, the CFPB responded and closed the case with unsatisfactory results. I sent a follow-up letter to XXXX on XX/XX/XXXX asking for method of verification and proof of validation of alleged account. According to the Consumer laws the bureaus must report accurate information. How can this be accurate if two different reporting companies are reporting different information for the alleged account? I have not heard a response from XXXX. 
I have also informed XXXX that I did not authorize Inquiries that are reporting.
Product: Student loan

Addendum to case # XXXX XXXX - approved for XXXX based repayment -- payment is much lower than I 've ever paid, but my family size and income have remained the same XXXX - called to make sure XXXX payment amount is correct ; account rep said my family size was incorrectly input as XXXX. Account rep says that it was probably an input error. I checked my form later and there 's no way I filled in I had a family of XXXX. Now, I have to resubmit my XXXX application with correct family size ( which is nothing, because it 's just me ), even though it was their fault, and I had to figure it out.
Product: Credit reporting

Dear Representative, After hard time of foreclosure, job loss and eviction, I was able to step on my feet financially and handle life as self-employed person ( I am XXXX and there are n't too many employment options for me ). I worked on establishing good credit again and with satisfaction observed how my old collections disappeared from my credit report, when suddenly and by chance opening XXXX, I saw XXXX separate collections XXXX collector, related to XXXX. They ruined my credit score from XXXX to XXXX, and I am in panic. I never received any mails or calls from them. 
The case is that I worked in this city XXXX, and during work time should go every 2 hours to turn my car from back site city parking to front site city parking. It was silent agreement between my company and the City to do this. The City XXXX practically did n't have at this time any free parking, and the XXXX company I was working for did n't secure for me a parking permit for entire period of my employment, which was 3 ( three years- XXXX till XXXX ). I did what it takes, even my work as XXXX employee for a large company did n't allow a lot of time, and importantly, to think about my car when under pressure to make more and more sales. 
Now, after exactly 5 ( five ) years being not employed from such company, and making my living alone, I was slammed with this collection. 
I wrote letters to the collection agency and Transunion about this issue and will expect their answer. 
Once in a past I had your help, when a collector pretended some money for my foreclosure by using my home purchase 's closing paper file ( I still wonder how they reached this file ). I very much appreciate your timely help. 
Unfortunately, now I have another case. It will be up to your competency to decide what action to take. Whatever it is, I will never forget how you helped me before. 
Thank you for all your efforts and professional work : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with TD AUTO FIN 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.

TD AUTO FIN 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 or other personal consumer reports

1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a cred- it card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures de- signed 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 pay- ment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without in- curring an additional finance charge, such addi- tional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, and I hope all is well. XX/XX/2020 letters were sent to addressed issues : While reviewing the credit profile to XXXX/Equifax/XXXX, the number of uncertain tradelines continues to be placed when the debt is due to repeated visits to practices within the healthcare system. Financial assistance was not offered during times of service. While receiving treatments for compromised issues, protocols are in place to ensure the debt will not accumulate. XXXX XXXX XXXX hired a third-party XXXX XXXX XXXX to report multiple items on the credit profile. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Product: Money transfer, virtual currency, or money service

XX/XX/2018- around XXXX in the afternoon while I was at work : 3 charges of {$250.00} each ( total of {$750.00} ) appeared on my checking account with Bank of America . Charges were done through XXXX application, that I had no knowledge of prior to this event. I was at work and remember checking my e-mail as I was expecting an employment letter. I noticed an e-mail from Bank of America asking me to verify, whether I just added " this person '' to my XXXX account. I clicked " no '', but thinking it was just a scam e-mail, out of habit I deleted the e-mail. I tried to log in to my online banking to check if everything was ok, but access was denied so I forgot about the whole thing. About an hour later I received a call from the Bank reporting a suspicious activity on my account. I spent about an hour on a phone with several bank reps and a fraud specialist, who stated that the fraud was done by someone who got access into my e-mail and stole my information through the Bank of America e-mails somehow. She also recommended me to immediately provide the Bank with a new e-mail address, freeze my account and open a new one and I did all that was recommended. 
XX/XX/2018 - 10 days after Bank 's investigation I called in to check on a status of the fraud investigation and I was told the following : " Unfortunately, we can NOT refund you the stolen money, as the fraud was done through your mobile device. '' I almost " passed out '' when I heard the news and felt that a big injustice was done and that someone somewhere needs to help me and other people just like me. I was recommended to contact my Mobile phone provider ( XXXX ) and ask for a letter stating that there is a virus on my phone. XXXX stated that they do NOT provide such letters. I was also recommended to file a police report which I a going to do tomorrow after speaking to the Bank in person. I have a bad feeling that they are not going to help me though, therefore, I am turning for help to others. I just need to do something as this does not feel right! 
Thank you for taking your time to read my letter!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been established that XXXX XXXX has and is still violating the FCRA in MO and other places. I have proven chapter by chapter and paragraph by paragraph of the FCRA that XXXX XXXX has is violating the FCRA. My complaint documents this violation ( s ) and no authority is willing to act on XXXX XXXX 's vilations and XXXX XXXX will not address the complaint specifics because it knows it does not have to and there is no enforcement by the CFPB or FTC. This is sad that any company can violate the law and all I am told is that I can bring suit. I know can bring suit. That is not the issue. XXXX XXXX has committed fraud in the manner in which it reported my circumstances on input to Credit Reporting Agencies. XXXX totally removed all information regarding XXXX XXXX from my credit report. Transunion refuses to follow suit and XXXX has made some minor changes but not enough to correct the credit reporting per the agreement made between XXXX XXXX and I in several documented letters. There is not need for a CFPB or authority given to the FTC to enforce the law if they will not do it when provided ample proof. I will report this matter to the " drain the swamp '' team at the White House.
Product: Credit card or prepaid card

Acceptances by CHASE BANK on account number ending in XXXX Certificate Of Non-Response I, XXXX XXXX XXXX, have sent off certified mailing and payment in forms remittance/coupon in efforts to resolve and settle account number ending in XXXX. This notice is pursuant to federal and state law evidence of dishonor UCC 3-505 and UCC 1-202 . I state the following as facts. 

On the dates of XX/XX/2022 and XX/XX/2022, CHASE BANK at CHASE Payments Processing XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX received a remittance/coupon payment via United States Postal Service Priority Mail XXXX The corresponding tracking number is ( XXXX XXXX XXXX XXXX ) as verified by Certificate Of Service. 

After acceptance of mailing, CHASE BANK refused to send confirmation that account ending in XXXX has been adjusted and settled, nor a notice of dishonor from a qualified third party excusing their refusal, in response to the correspondence regarding account number ending in XXXX. 

CHASE BANK did not cure their dishonor. CHASE BANK gave no creditable or justifiable reason, or federal laws and or regulations for refusal to confirm the adjustment and settlement of account number ending in XXXX or send a notice of dishonor. 

Despite the numerous phone calls to multiple CHASE BANK departments including but not limited to the Customer Service department, Payments/ Billing department, Account Services , Legal Department , Executive Office XXXX Collections Department XXXX about my payment not being reflected on my account, trying to explain and give a breakdown as to why federal law says this is a legal form of payment and what FDIC Law 7500- FRB Regulation 204.1 iv defines what a deposit is : ( Any due bill or other liability or undertaking on the part of a depository institution to sell or deliver securities to, or purchase securities for the account of, any customer ( including another depository institution ), involving either the receipt of funds by the depository institution, regardless of the use of the proceeds, or a debit to an account of the customer before the securities are delivered. A deposit arises thereafter, if after three business days from the date of issuance of the obligation, the depository institution does not deliver the securities purchased or does not fully collateralize its obligation with securities similar to the securities purchased. A security is similar if it is of the same type and if it is of comparable maturity to that purchased by the customer ; CHASE BANK has willingly and knowingly ignored federal law. 

Sources : Bill Of Exhange Act, Truth in Lending Act, UCC 1-202, UCC 3-103 , UCC 3-104, UCC 3-603, UCC 3-503, UCC 3-311, UCC 3-301 , UCC 3-302, UCC 3-415.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXX XXXX
Product: Mortgage

Last year in XXXX, Amerihome withdrew funds before the agreed time. I incurred bank fees and I told them that was wrong. They decided to refund the payment then acted that I was late. Note, I didn't ask them to refund. They attempted to charge me a late fee, I told them that was wrong since it was their mistake. They finally waived the fees, I paid the funds. This year they have decided to sneak and report that I missed a payment last XXXX. They threatened to foreclose my home even though I have never missed a payment. It is blatant discrimination. They have also exponentially increased my mortgage from XXXX to more than XXXX monthly. They withdrew XXXX from my escrow account and I don't know where they sent the funds to.
Product: Mortgage

I called my mortgage bank in XXXX to let them know my wife was being moved to hourly and our income would dramatically drop. They started a hardship program for a loan modification application. 

During the application process multiple customer service reps at the bank told me NOT to make any payments. They said " it would mess wit the numbers and the modification group would take longer ''. 

I finally made a payment in XXXX against their strong objections in fear of losing my home. 

The flex modification that they approved and sent would make my loan 40 year and only {$100.00} cheaper per month than my original loan. 

While trying to look at refinance options my credit shows 2 month non payment on mortgage and no company would offer me a refinance loan. I then asked the Nationstar Mortgage bank on XX/XX/24 if they would refinance with the credit showing that and they said no. 

I do not see how they can tell me explicitly to not pay then penalize me for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I have been contacting XXXX  XXXX regarding this account. I do not have a mortgage with them as it has been paid off and I have demanded cancellation of this account as it was sold to be under fraud basis. They have blatantly ignored and dismissed my requests. I informed them of Aspen continuously contacting me and they still ignored. I am baffled by the lack of assistance from them even thousands of dollars later. I need this account cancelled.
Product: Mortgage

good morning Im having trouble with my mortgage company. i bought my house in XXXX of XXXX, with a company called XXXXXX/XX/XXXXand within a month they sold my mortgage to XXXXXX/XX/XXXX. I was with XXXX for 1.5 years, for the first year my mortgage was {$2000.00} and after one year they moved it up to {$2400.00}. In XXXX my mortgage was sold again to Freedom Mortgage, which is also a debt collection agency. Freedom Mortgage took over my mortgage in the summer of XXXX, I was thinking at the end of the year it will go back down but that was the opposite. on XX/XX/XXXX i was informed via email notice saying that my mortgage will be going up to {$2800.00} on XXXX first of XXXX, I can't afford to pay my mortgage and sustain myself. I had to stop making credit card payment just so i can pay my mortgage. Financially I cant afford to pay almost {$3000.00} for mortgage when my total income is {$4500.00} per month
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to a recent escrow change in XX/XX/2023, my usual automatic monthly online payment was made in the amount of {$690.00} versus the new increased amount of {$790.00}. As a result, Freedom Mortgage placed my on-time {$690.00} payment in a suspense account and the payment was not applied to my balance. This created a 'late ' payment status that was reported to the credit agencies, causing a significant impact to my credit score.

When I reached out to their customer care team, my request to update ( remove ) this late payment status to all credit agencies was declined. I was informed a letter was mailed to me to notify me that my payments were increasing in XXXX. Unfortunately, I did not receive this letter. Had the letter been sent as certified or trackable- or even a different color paper or envelope to differentiate it from the barrage of marketing collateral from Freedom Mortgage - I would have received it and would have adjusted my online banking payments accordingly. 

I've reached out to the following people, and none have provided the courtesy of an acknowledgement of my request. None of the executives have responded to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Wells Fargo abruptly closed my credit card without any warning and forfeited all rewards accumulated over several months. I was given no opportunity to redeem the rewards after the bank decided to close my accounts. 

I missed to make minimum payment by due to date on the account not due to financial difficulties but due to an ongoing medical issue with a family member that has kept me exceptionally busy for the month and half. Upon learning of the missed payment, I immediately made full payment on all outstanding amount. Prior to this I never had a missed payment with either Wells Fargo or any bank. My XXXX XXXX has been consistently over XXXX.
Product: Debt collection

Subject : Complaint Against National Recovery Agency for Consumer Rights Violations To : Consumer Financial Protection Bureau Division of Consumer Services XXXX XXXX XXXX XXXX XXXX, DC XXXX Dear CFPB, I am writing to file a complaint against National Recovery Agency ( NRA ) for their egregious violations of my consumer rights. Specifically, I am alleging that NRA has failed to comply with the requirements of 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ).

NRA has placed a collection item on my consumer report without providing me with the necessary validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Additionally, they have failed to provide me with a clear opportunity to dispute the account, as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Furthermore, NRA has engaged in deceptive and misleading practices by furnishing information to a consumer reporting agency without providing the required disclosures. This is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

I am disputing the validity of any and all debts reported by NRA. I am revoking all rights for NRA to communicate with me through any means, including email, text, or phone calls.

I request that the CFPB investigate this matter and take appropriate action against NRA for their violations of my consumer rights. I also request that NRA be required to provide me with the following : Debt Validation : A detailed explanation of the debt, including the original creditor, the amount owed, and the date of the debt.

Purchase Agreement : A copy of the purchase agreement between NRA and the original creditor. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Sunny XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 i submitted a dispute to remove items off my credit report i have not received any notice on any dispute status regarding my disputes which is fair credit reporting act violation please look in to this matter and remove the dispute accounts immediately The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). 
Here is a summary of your major rights under FCRA.