23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Carrington Mortgage has been falsely reporting to all 3 credit agencies that this account was paid 30 and 60 days late in XX/XX/XXXX and XX/XX/XXXX. This account was never paid late. This account is paid as agreed. This account was referred for investigation regarding the late payments. It was discovered that the payments were missing the correct account number when the rep took the payments and therefore never posted to the account, causing the issue of payments being reported late. Shortly thereafter, the pandemic occurred and the account went into forbearance. This has been disputed with Carrington Mortgage over the last year and to date they have not updated the credit files to remove all negative comments on the credit reports to reflect pays as agreed and no late payments. 

In speaking to another Carrington rep today XX/XX/XXXX by the name XXXX she made comments regarding my ethnicity thinking I was on hold, saying I that these XXXX people need to just pay those accounts this is a clear indication that my credit reports are not being updated due to race or some other discriminatory practice. When she realized that I was not on hold when I asked her what she meant by the comment she disconnected the call. 

Ive reported this to Carrington Mortgage again today in writing of the XXXX comments made via the research department employee as well as filed a complaint with the Federal Trade Commission about their practices. This is my final attempt to get this corrected before I seek legal action to have this looked into. It is a breech of my rights to have incorrect data reported to the credit bureaus.
Product: Credit card or prepaid card

I have been noticing since the beginning of my unemployment claim that amounts on my bank of america app were not correct in XX/XX/2021 I went thru statement of deposits added them all and then did same with all deducted transactions there was XXXX dollar missing not accounted for that bank of america XXXX  debit card just made disappear from my account then on XX/XX/2021 I had a availible balance that changed from XXXX to XXXX dollars on XXXX first it had no pending transactions against the amount availible and then to top it off the XXXX  bank card decided to block my card for 24 hours the day after I got paid I was on vacation for my bday and was forced to max out my XXXX XXXX XXXX and they repeatedly blocked my card so frequently I was unable to purchase food and medicine needed for my XXXX  XXXX I am XXXX XXXX now they refuse to give missing money back im am on day three of XXXX  I am XXXX  without my medication this may XXXX  me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing of complaint about Transunion Credit Bureaus failure to delete an inaccurate, adverse account from my credit report. The account I am disputing is XXXX XXXX XXXX associated with account number XXXX. I do not recognize or owe the said balance on this account. The balance listed on this account is INCORRECT. Transunion has also failed to substantiate that the account is mine. Transunion is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. Transunion also has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, Transunion has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Transunion is required to promptly DELETE all information which can not be verified. I am requesting that Transunion delete this unverifiable account immediately from my credit report.
Product: Mortgage

I have been trying to get this resolved for almost a full year. I am fed up and keep getting the run around. What happened : I refinanced in XX/XX/2018. I did a FHA to FHA cashout refi. Which made it so I was due a MIP refund. The lender was Pacific Union which is now Mr Cooper who is servicing my loan. They didn't give me the MIP credit in any way. Usually it is given by lowering the new upfront by the amount that was showing due on my refinance authorization ( FHA Refi Authorization # XXXX ). Please help as it's a lot of money and per the FHA 4000, I was due this refund. Below are all the details, please note the last name differs due to a divorce. 
Old FHA Case # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX New Case # XXXX XXXX, XXXX XXXX authorization XXXX Unearned UFMIP : {$3800.00} I have been in contact with numerous people via email and phone calls. My attempts have been extensive. Therefore to list every person I have contacted and all those emails would make this many pages. My last contact was with XXXX XXXX at Mr. Cooper. The latest is FHA won't insure and they had to get FHA to refund me all the other costs and are having to service the loan themselves as a more of a conventional product. With all due respect ; I shouldn't pay for their error. This was due to me at closing in XX/XX/2018. When I closed as a FHA loan. This has caused financial hardship. It caused me to take out a short term hard money loan because I was told FHA would refund that MIP to me within a couple months of closing. Which obviously didn't happen. Therefore I am paying a ton of money in interest on the hard money loan I took out to cover the {$3800.00} I was supposed to be getting.
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquiries across all three credit Bureaus pertaining to my account. I've sent out dispute letters to all three bureaus as well as contacting them over the phone on XX/XX/XXXX ( Experian ) and XX/XX/XXXX ( XXXX XXXX XXXX ). Experian XXXX XXXX were able to remove a few of my inquiries but did not take care of them all as requested with no reasoning. XXXX asked that i submit an identity theft report ( attached ) before looking into my inquiries.
Product: Credit reporting or other personal consumer reports

Under 15 U.S.C. 1692d, the Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from engaging in conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. This provision specifically prohibits actions such as the use of obscene or profane language, the publication of a list of debtors, and any other behavior that would cause emotional distress or harm to the debtor. Any violation of this provision may result in legal consequences, including civil penalties, and can be reported to the Consumer Financial Protection Bureau ( CFPB ) for further investigation and enforcement.
Product: Credit card or prepaid card

I XXXX XXXX have recently gone through a great deal of personal hardship. This hardship was caused initially from a XXXX my husband had, along with his fight against XXXX. Various credit cards I owed on could no longer be paid upon. One of those is the account I am requesting a reasonable settlement on, along with a heart felt explanation of the facts surrounding my own financial hardship. I therefore request XXXX/XXXX to submit a reasonable settlement to my account with them, something in the range of {$2000.00}. I do not have the desire to file a personal bankruptcy if necessary, but I would hope that could be avoided. I request an offer in compromise in written form only over the next ten business days.
Product: Checking or savings account

Hi my name is XXXX XXXX and I just recently opened a Chase banking account and was excited about it! I received my ATM card I was using it for deposits everything was good and then I get a letter saying that chase is closing my account because they found out that I live in a hotel! I explained to them that I'm a resident of the hotel and that's I'm getting housing next month and I will have a different address for them but they still wouldn't accept that I live in a hotel even though I had a written form saying that I'm a resident at my hotel and my manager signed it they said that they needed it witnessed and my manager needed to go down to the bank! I don't know any managers of the hotel that are willing to do that for anybody! I just feel I was discriminated upon and that it's wrong I'm going to close my account all because I live in a hotel!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX, # XXXX, and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items off my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

On XX/XX/year>, I submitted an Employment Certification Form ( ECF ) to Federal Student Aid ( FSA ) as part of my process for Public Service Loan Forgiveness ( PSLF ). However, despite the submission, my form was not processed. Instead, I received an email lacking any useful information. When I called for clarification, the representative was unable to assist me further. Due to the lack of resolution, I resubmitted the form on XX/XX/year>. Yet, as o

f today, FSA has still not processed my ECF within the standard timeframe of 3-5 weeks. It appears that FSA is not adequately handling manual form submissions like mine, and I am unable to submit the form electronically since my employer does not allow electronic signatures. My ECF is manually signed by both myself and my employer, meeting FSA 's stated requirements, so the delay remains unexplained. *************************************************************************************************** Additionally, I have encountered a discrepancy regarding my qualifying payments. Specifically, my XX/XX/year> payment does not appear as a qualified payment, despite being processed by XXXX. I did not receive any notice of forbearance, nor is forbearance reflected on my account. I am also not enrolled in the SAVE plan, so there is no reason this payment should be disqualified.

*************************************************************************************************** Lastly, I made my final
( 120th ) qualifying payment on XX/XX/year>, and I plan to submit my final ECF this week to complete the PSLF application. However, I have no indication that the Income-Driven Repayment ( IDR ) adjustment has been applied to my accounta necessary step before PSLF can be granted. The lack of communication and processing delays by FSA are causing significant distress and uncertainty.
Product: Credit reporting or other personal consumer reports

I am writing this complaint to Transunion regarding the accounts and information thats listed in my dispute letter. After going over my monthly consumer report I've noticed information thats reporting to my report that doesnt belong to me. I am aware of the consumer laws that Transunion is governed by, and I understand that any information or account must be verifiable and accurate to properly report. The accounts and personal information listed in my dispute letter are both inaccurate and don't belong to me. The creditors thats reporting the accounts never had my consent to obtain my personal information nor did they have permission to share it with anyone, which violates my right to privacy. For the accounts to belong to me there must be mutual agreements and documentation included in which neither exists. It is Transunion 's duty to thoroughly investigate my dispute and update and remove anything thats unverifiable. How can there be a debt owed if there was never a mutual agreement between both parties? Violations committed by Transunion and the Creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Debt collection

Complaint Against Collection Agency for Violating Consumer Rights To Whom It May Concern, I am writing to file a formal complaint against Stratzic Dealer Services for multiple violations of my consumer rights under federal law. The collection agency has engaged in practices that are in clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Violations by the Collection Agency : They are not license to do a collection agency, Failure to Provide Validation Information The collection agency has not provided the required validation information as stipulated under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed a charge off item on my consumer report.

Denial of Dispute Opportunity I have not been given a chance to dispute the account, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Use of False, Misleading, and Deceptive Means The collection agency has employed false, misleading, and deceptive means in the collection process, violating consumer protection laws. 
Unlawful Furnishing of Information The collection agency has no authority to furnish any account to consumer reporting agencies without first providing all required disclosures, in violation of : 12 CFR 1006.34 ( d ) 15 USC 1681-52 ( 7 ) ( A ) Requested Action : I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and take appropriate action against the collection agency for these violations. Additionally, I ask that this collection item be removed from my consumer report until full compliance with all relevant laws is demonstrated. 

I am attaching all relevant documents to support my claims and will cooperate fully with any investigation. 

Thank you for your attention to this serious matter. 

Sincerely, XX/XX/2024
Product: Mortgage

I was the deed on my deceased father 's house. I paid the mortgage payment each month. The house did not go through escrow after he died. At one point, Wells Fargo stopped accepting my mortgage payment on my father 's house. Thus, forcing it into foreclosure. Wells Fargo cross out my father 's account number on my checks and wrote my loan number on my checks and applied to my loan for my mortgage on my house. 
During that time, I filed for Chapter XXXX bankruptcy and the court wanted to know what I did with the rent for my father 's house. I told them that I paid the mortgage each month at time. They conducted an investigated which were additional fee deducted from the sale of my father 's property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint against XXXX where they are reporting that Capital One says I owe them {$1000.00}. XXXX came back saying that it meets the " Fair Credit Reporting Act ''. I have not done business with Capital One XXXX. They came back and now show this as a debt to " XXXX XXXX '' who is listed as a " debt buyer '' with original creditor as Capital One XXXX. Capital One XXXX is fraudulently reporting that I have done business with them, when I have not.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion. These late payments are erroneous and do not accurately reflect my payment history for XXXX XXXXXXXX Account # XXXX. 
Complaint Details Inaccurate Reporting : The late payments listed on my credit report are inaccurate. have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. This account should reflect a record of timely payments.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of an incorrect late payment may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that these reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports to ensure maximum accuracy. Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), willful and negligent noncompliance could result in civil liability, including actual damages, attorneys fees, and potential punitive damages.

Discrepancies in Payment History The discrepancies in reporting by each bureau are as follows : TransUnion : Incorrectly reports three 30-day late payments in XXXX, XXXX and XX/XX/XXXX. 
XXXX : Similarly reports three 30-day late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX : Also reflects three 30-day late payments in XX/XX/XXXX, XXXX and XX/XX/XXXX. 
These entries are inaccurate, as all payments were made on time, and this misrepresentation has negatively affected my creditworthiness.

Requested Resolution I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Attachments Identification ( ID ) Social Security Number Relevant Documentation Related to the Account Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I sent a dispute to the Experian at XXXX  XXXX XXXX Tx XXXX and XXXX at XXXX. XXXX XXXX. XXXX, PA XXXX. They received them XX/XX/18 and XX/XX/18 respectively via certified mail. I sent the letter in regards to the inaccurate reporting on my consumer report. Today 's date is XX/XX/18 and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. The account is XXXX   XXXX XXXX in the amount of {$4400.00} needs to be deleted immediately for not following FCRA rules and regulations in a timely manner. This debt has never been verified, I have not received in the mail and EXPERIAN and XXXX aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my XXXX and continue my education.
Product: Credit reporting

Previous deleted items were added onto my credit report without prior written notification Per FRCA Section 611. All items must be removed. 
XXXX XXXX XXXX XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX : XXXX/XXXX/XXXX XXXX : XXXX XXXX : XXXX/XXXX/XXXX XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX : XXXX/XXXX/XXXX US DEPARTMENT OF EDUCATION : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 90 days past due on XXXX XXXX - partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Prepaid card

Bluebird is holding on to refund issued by XXXX for valid purchase in amount of {$50.00} made on XX/XX/XXXX. Refund issued on XX/XX/XXXX by XXXX. Refund received by Bluebird on XX/XX/XXXX and has been held since this date. Called Bluebird customer service number twice on XX/XX/XXXX and told by their overseas reps nothing can be done.
Product: Debt collection

Centennial Bank employees, XXXX XXXX under the failed leadership of XXXX XXXX, lied on my XXXX XXXX XXXX XXXX Application in XX/XX/2022. This caused the XXXX to only partially be forgiven. Had the XXXX received the correct information that matched the supporting documentation the lender received all 4 businesses would have received full forgiveness. Our small businesses have appealed to the XXXX through the corrupt lender but have run out of resources to fight the overwhelming amount of paperwork and requests from the XXXX as they conduct an audit spanning 4 years that is completely unnecessary because the lender gave them incorrect information as our representation. The burden far surpasses a reasonable expectation of a small business struggling to recover from the financial trauma of the pandemic. The lender took money from the XXXX for this process and failed to represent the borrower accurately causing a debt to be owed to the lender that is false. Please hold them accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Closed : XX/XX/2017 ... {$1700.00} I have never done business with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize any of these accounts I've been a victim of identity theft