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

I recently in XX/XX/XXXX did a dispute with Trans Union which also affected my XXXX report. The dispute was to show that I paid XXXX XXXX mortgage off because it was showing that the account was still open. I sold the home and paid the mortgage off in XX/XX/XXXX of XXXX. Prior to selling the home I was in chapter XXXX, which ended in XXXX due to I was all paid in full including my mortgage which I even made XXXX from the selling of the home so the home was not lost to any bankruptcy. The trustee was making the payments from XXXX to XXXX when the house was sold on time every month. Now that the bankruptcy is over its showing on my report that XXXX did not report anything during the bankruptcy so each month its showing blank no reporting which is fine but at the bottom XXXX is making a comments or somebody is putting comments in my account showing 120 to 150 days delinquent. Within other parts of the credit report its showing no late payments. I have lost the ability to get a mortgage now in the middle of waiting to close on my new home because of this new statement on my credit report. I am losing all the money that I put down to hold the home all the money that I put into applying for the mortgage because XXXX refuses to let them know that there is no 150 days delinquent or 120 days delinquent even though XXXX did a conference call with factual data and told them there was no 120 days 150 days late now theyre turning around same because I did of voluntary dismissal of my chapter XXXX because I didnt need the chapter XXXX anymore because I was all paid in full with my mortgage that is a reason that theyre giving me for why theyre reporting it late or delinquent when they dont even have any reportings. I have my payments from XXXX on the XXXX website which I have printed showing payments made every month no payments were missed at 120 days or 160 days or 150 days or 30 days or 90 days or 60 days they were always paid. XXXX is ruining my credit and Id like something done about it please. The only reason Im including freedom mortgage is because I try to get a new mortgage and the underwriter ran my credit the first time and everything was fine and then were moving on to getting closer to closing they ran my credit again and XXXX and added the statement about 120 days delinquent as of XXXX when the account was already closed in XX/XX/XXXX they pulled my mortgage and I am losing all my money that I had invested in the house because XXXX gave a verbal to factual data that I was not 120 days overdue on a conference call but then they said they wanted a letter and XXXX is refusing to do it and now XXXX is putting this on my credit pork with 150 days in XXXX and I was getting Hire instead of XXXX and nothing is working and Im losing everything I have because of them
Product: Debt collection

The account was discharged and closed well over five years but it is still being reported on my credit report.

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXXXXXX XXXX and before XXXX XXXX XXXX, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. ( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Credit reporting or other personal consumer reports

There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX  and XXXX are reporting a Bankruptcy as a public record falsely. File date XX/XX/2017. I have contacted the United States Bankruptcy Court and they have sent me a letter verifying that they do not verify with any third parties such as credit bureaus. These credit bureaus are reporting this on my credit reports and I would like it removed because it is not verifiable.
Product: Debt collection

An XXXX named XXXX XXXX XXXX based in Georgia reached out to me about a XXXX dollar debt I owe to an old apartment building. We were not told or made aware of any outstanding balance. I was evicted because my roommate had an unregistered pet that we were all led to believe was registered with the landlords. I also did some digging of my own and this company is a total scam. They have XXXX reviews and XXXX of them contain the word scam and every single other review is people saying they got ripped off and borderline extorted for more money.
Product: Student loan

I called Edfinancial to exit an income driver repayment plan that the auto enrolled me in. I only filled out an application and it was not completed and then did not give me the option to opt out. Now my payment amount is almost {$500.00}. I asked them to remove me from the plan and they we unable to do so. They said it would take 30 days and a different department has to do that. I asked to speak with someone from that department and they said I could not. I did not want to be in the income driven plan. Now I am being forced to pay a ridiculous amount or I become delinquent. The wait time to talk to anyone is over 11 hours and who I talked to did not seem to understand the situation nor know what to do to fix it. I am not able to pay this amount but I have no choice. They are not willing to help make the situation right when they enrolled me in a program incorrectly and without me wanting to be in it.
Product: Student loan

While in strong disagreement with terms without a signed agreement, my professional consultants were able to locate part of the principal error. 

We worked with my bank to obtain past information. 
Sallie Mae cashier check, at their request, for {$1800.00} dated XX/XX/2004 is not showing as part of the payment history to my account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 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. Acct # XXXX. Violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A. Also States a consumer reporting agency can not furnish my account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to ANY consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2016 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cap 1 Auto reporting incorrectly.

Account is paid as agreed. They're reporting it as 60 days late. 
Cap 1 is reporting 12 x 30 late payments. This is incorrect.. 
XX/XX/XXXX to XX/XX/XXXX -- payments were made on time XX/XX/XXXX to XX/XX/XXXX -- -payments were made on time Missed payment was XX/XX/XXXX. This was a processing error. 
Payments were paid on time. Due to the processing error -- Cap 1 marked on time payments as rolling lates. 
The issue was finally corrected in XX/XX/XXXX. 

Timing is an issue. We looked to correct this. We are unable to and need some assistance. While they 'research ' this, we are unable to get complete the sale of our home and the purchase of a new one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX  regarding a XXXX card that I paid off in XXXX of XXXX. Upon receiving a credit alert, I logged in to find that they reported my account delinquent with a XXXX and 60 day late payment. My first contact with them was XX/XX/XXXX. They said they would remove finance charges of roughly {$4.00} that I wasnt notified of after my final payment along with the delinquencies. I was only checking XXXX at the time. It took a couple more phone calls before this was successfully removed from XXXX. Several months later, I realized that it was not removed from XXXX and was dropping my score. I notified XXXX again believing it to be their issue. They stated that it was the credit bureau not fixing it. I logged a dispute with XXXX. The results stated they could not remove it as it was accurate. I called XXXX again. XXXX for roughly the 5th time assured me that I have no delinquency on their side and they will submit this to the credit bureau again. XX/XX/XXXX, XXXX drafted a letter stating that they couldnt remove anything as there was nothing left to remove. I logged in and saw there were still a 30 and 60 day late payment on XXXX. I called XXXX  AGAIN on XX/XX/XXXX to find out what I can do as I have now thoroughly disputed this error. They stated they would send to customer care. I received electronic communication a few days later with a link to a letter from XXXX stating that all delinquency from XXXX and XXXX of XXXX would be removed. I was leery of the dates as Im not sure whether those refer to the dates reported or the dates they have for the missed payments, but figured I would wait and see. Almost immediately I received an alert from XXXX that my account improved with a date reported of XX/XX/XXXX. I was thrilled. The next day, I saw I had an email from XXXX stating I had delinquency reported on the same account on XX/XX/XXXX. I am unable to determine whether XXXX has any fault in this, but the back to back alerts from XXXX leads me to believe they are interpreting the information incorrectly. Im mentally exhausted from trying to fix this. XXXX ASSURES me that this closed account has no delinquency and it was removed in XXXX of XXXX. Ive been fighting ever since to have my credit reports accurately reflect the type of borrower I am. I dont know what else I can do, but each phone call is followed by several weeks of wait and see leaving me with an inaccurate credit score that affects my worthiness as a borrower. Please help me. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I submitted a complaint to Navient that my credit reporting was not being updated. I have numerous late payments reported even though I was in deferrment. I have a statement from Navient stating that I was in derferment/forebearance. Navient rep took over 6 weeks to respond. She confirmed that I was in deferrment but said she has no obligation to update my credit reporting as the credit reporting was accurate when reported. The FTC advisory ( quoted and attached in this email ) specifically states that student loan creditors and other creditors must update information, regardless of whether or not it was accurate when reported. The Navient rep I spoke to ( XXXX XXXX ) stated that Navient is not required to follow FTC advisories. I have attached the email correspondences along with my statement from navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted via text by a company called XXXX XXXX XXXX, the {$6000.00} personal loan papers were ready to sign. This happened on XX/XX/2023. I called the XXXX, CA branch and paid them a personally visit. I was told that the person I spoke to on the phone XXXX was not there. Just a young lady was at a desk behind a stack of papers. I asked her for the loan documents that were in my name and gave her my driver 's license to verify me. She refused. Said to call a number in Texas. I tried many times trying to get a hold of a XXXX without any satisfaction. This is part of a fraud series of events and is among one of 43 inquires for credit or loans by this fraudulent individual. I do not know the status of this loan but they at XXXX XXXX XXXX said that it originated on-line request with XXXX XXXX. I have made no dealings with XXXX XXXX or XXXX XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/18 I called and was told I would receive my card yesterday XX/XX/2018 I call and ask where my card their response is no one ever marked it as such after speaking to five different ppl, its ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX XXXX
Product: Mortgage

On XXXX XXXX, 2015 I made a payment over the phone with BOA, for XXXX month, they waived my XXXX processing fee. On XXXX XXXX, 2015, they took out XXXX XXXX payments from my checking account, leaving me with only XXXX. On the response I received on XXXX/XXXX/15, they stated that because my account was past due XXXX payments they took out more then my payment that I authorized. I want to see their policy where it states, that because I was past due they have the right to deduct XXXX XXXX payments from my checking account with out my authorization. If they can not provide that information they need to compensate my account for a mortgage payment, If not I will be contacting an Attorney. This is my XXXX complaint,. I also requested a call back regarding this issue, I got a call back XXXX weeks later. Keep in mind, that BOA only left me with XXXX in my checking for my family to feed and at that time it was snowing and cold, I had to borrow money to pay my electricity bill to stay warm. So its up to them, do they want to pay me out for a law suit or compensate me for something they are not allow to do with out my authorization. This will be my last complaint I submit, next time it will come from my attorney, I also received a Breach letter, which was incorrect, due to my payment had been made in XXXX/XXXX/15, leaving me with XXXX payment due on he account not XXXX when they reversed that large amount due to I placed a stop on the transaction because I knew it was going to take them weeks before I got my money back, due to debiting more then the regular monthly payment. Now I have to drive to the branch and make my payments because I do n't trust them on making a payment over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 


XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX  XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX XXXX  XXXX  account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payment Reporting on Account # XXXX Dear CFPB : I am filing a formal dispute regarding inaccurate information reported on my credit file concerning late payments for account # XXXX. Despite multiple attempts to resolve this issue ( letters sent on XX/XX/XXXX and XX/XX/XXXX ), no corrective action has been taken. 
The reported 30-day late payment for XX/XX/XXXX is inaccurate. I have verified with my records and provided supporting evidence showing payments were made on time, and yet this error persists. 
Details of the Account : Account Number : XXXX High Balance : {$420.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$350.00} Account Status : Open Payment Status : Current Payment Amount : {$35.00} Credit Limit XXXX {$3500.00} FCRA Violations : Under 15 U.S. Code 1681i, credit bureaus are obligated to ensure the accuracy of information. This has not been upheld. Additionally, 15 U.S. Code 1666b requires creditors to send statements at least 21 days prior to the due date, which has been violated as evidenced by the late reporting.

TILA Violations : The Truth in Lending Act mandates accurate and timely disclosures. The incorrect reporting of a late payment has harmed my creditworthiness and caused undue stress.

Desired Resolution : Immediate removal of the inaccurate 30-day late payment notation for XX/XX/XXXX. 
Written confirmation of the correction within 15 business days.

Please consider this letter as formal notice under the FCRA and provide the requested corrections promptly. If this issue remains unresolved, I am prepared to escalate the matter, including filing additional complaints with relevant agencies and pursuing legal action. 
Thank you for your immediate attention. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Someone fraudulently access my account, so I changed my password. Now Sofi has placed a hold on my accounts for days and they say it could take a week longer before I can use my account. I have requested they move my money to my other bank so I can pay my bills but the wont.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX XXXX XXXX XXXX that they are reporting a fraudulent bankruptcy on my credit report on XX/XX/2019. 
I notified Transunion Consumer Solutions in XX/XX/2019 2019
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency , correct and/or block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened : XXXX XXXX XXXX XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$4400.00}. 
XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$1100.00}. 
XXXX XXXX XXXXXXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXXXXXX XXXX XXXX  Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX, XXXX. Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Account Late payments recorded must be cleared and made current for the below accounts : Account : Freedom Mortgage - XXXX opened on XX/XX/XXXX Account : XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX The aforementioned accounts, collections, and late payments appearing on my consumer credit report maintained by you were not opened, made, or initiated by me or have been recorded unjust while I was medically incapacitated. All of the aforementioned accounts, collections, and late payments are the result of identity theft, fraud, or reported as late during a time that I was medically incapacitated.. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries associated are the result of identity theft and fraud.