23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My insurance is included in my mortgage I was told that my insurance was dropped the insurance company said that they didnt receive a A payment and the finance company said that they didnt receive a bill so while theyre disputing the account both companies in the middle of doing so they dropped my insurance which is in my mortgage so now theyre telling me that theyre going to add their own insurance to my mortgage if I dont find insurance for that and they are were yelling at me they were telling me that I have to take their insurance and that if I dont that you like lose my home they would like making threats to me and Im very afraid Im lost my husband to XXXX and Im Im here trying to hold my own with my house I just wish someone could really help me but Geo XXXX I did contact them they did try an help it was Fay Servicing LLC.
Product: Credit reporting

I have a mortgage for more than 13 years and it is not reported on all XXXX credit bureaus. I also have had several auto loans which I paid off at XXXX XXXX XXXX XXXX XXXX that I have paid off in good standing not being reported as well.
Product: Mortgage

I made a payment prior to the XXXX of the month but the payment was n't credited to the account until days later. I was charged a late payment last month. The payment I submitted on the XXXX of this month has yet to be withdrawn from my account as of the XXXX. I am worried I will be assessed another late fee.
Product: Credit reporting

As we know identity theft is a number XXXX priority. None the less, when information is not accurate it is against our rights as consumers. I have already taken the liberty to try and resolve matters directly with the furnishers. A couple of results were successful yet the CRA continues to leave this on my file. There are more than XXXX matter that needs to be addressed here. XXXX XXXX being XXXX XXXX. XXXX is a medical bill that is there and the state of MARYLAND pays all medical bills per Medicaid. They want render their own determination based off other inaccuracies using a system that is not accurate. I have hard evidence. Thank you. A copy of FTC affidavit with Police report has already been sent.
Product: Debt collection

XX/XX/23 XXXX XXXX XXXX XXXX I received a call from Southwest Credit Systems XXXX No one said anything. XXXX I called back spoke to a XXXX who said he was calling on behalf of XXXX for {$110.00}. I informed him that I am already in Dispute with T-Mobile concerning that Fraudulent Balance & have filed complaints with The XXXX, FCC, FTC & the Illinois Attorney General Office against XXXX for XXXX XXXX XXXX I then asked for the acct # only to discover that XXXX had hung up the phone on me. XXXX I called back spoke to a XXXX who Immediately put me on hold & left me there. XXXX I called back spoke to a man who said his name so fast that I didn't hear it & when I asked him to spell it numerous times He Refused, I then asked to speak to a Supervisor numerous times again He Refused saying No Supervisor is Available. XXXX I called back spoke to a XXXX who gave me the acct #
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries appeared on my credit report this afternoon, and Im at a loss for an explanation. I check my report regularly, but these discrepancies appeared without warning. I even refreshed my browser to rule out a glitch, yet nothing changed. This situation is beyond frustrating, and I strongly urge you to examine the documents Ive sent to fix this problem immediately and alleviate my concerns.
Product: Money transfer, virtual currency, or money service

I am in the process of trying to sign up for money transfer from my personal checking account on XX/XX/2020. This is for XXXX and XXXX. PNC is preventing me from doing so.
Product: Payday loan, title loan, or personal loan

This company operates illegally in XXXX. They do not have a license to lend here, which they have admitted. They charge illegal interest rates far above what California law allows. Their contract states you pay one amount, yet they charge you another. Their contract states you owe one amount, yet you actually owe another. Their contract states you've paid one amount, yet you've actually paid another.
Product: Credit reporting or other personal consumer reports

DATE : XX/XX/year> RE : REQUEST FOR REMOVAL OF INACCURATE COLLECTIONS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING.

I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. BELOW ARE THE DETAILS OF THE INACCURATE ACCOUNT : XXXX XXXX XXXXXXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : 1. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION.

2. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY.

3. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE 30-DAY TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED.

PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY.

IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

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

Dear credit reporting agency Thank you for your response regarding my dispute. While I understand that you are still working on my request, I would like to bring to your attention a specific provision in the consumer credit law that outlines the time frame for responding to disputes and the potential removal of negative marks. 

According to the Fair Credit Reporting Act ( FCRA ), specifically section 611 [ 1681i ], when a consumer files a dispute with a consumer reporting agency, the agency is required to conduct a reasonable reinvestigation within 30 days of receiving the dispute [ [ 1 ] ] ( XXXX XXXX XXXX XXXX XXXX XXXX ). However, there are certain circumstances where the agency must respond within a shorter timeframe. 

In the case of an expedited dispute resolution, if a dispute is resolved by the deletion of the disputed information within 3 business days of receiving notice of the dispute, the agency is not required to comply with the regular 30-day reinvestigation process [ [ XXXX ] ] ( XXXX XXXX XXXX XXXX XXXX XXXX ). This expedited resolution allows for a more efficient removal of inaccurate or incomplete information. 

Additionally, there is a provision in the FCRA that requires the consumer reporting agency to provide prompt notice of the deletion of disputed information to the consumer, either by telephone or in writing, not later than 5 business days after making the deletion [ [ 2 ] ] ( XXXX XXXX XXXX XXXX XXXX XXXX ). This ensures that consumers are informed of the outcome of their dispute in a timely manner. 

Therefore, I kindly request that you adhere to the time frames outlined in the law and promptly complete the reinvestigation of my dispute within the required time frame. Should the disputed information be found to be inaccurate or incomplete, I expect the appropriate deletion to be made and a consumer report based on the corrected information to be provided to me within 5 business days. 

Thank you for your attention to this matter. I look forward to a swift resolution in this matter. 

[ [ 1 ] ] ( XXXX XXXX XXXX XXXX XXXX XXXX ) : FCRA Section 611 [ 1681i ] [ [ 2 ] ] ( XXXX XXXX XXXX XXXX XXXX XXXX  ) : FCRA Section 611 [ 1681i ] [ [ 3 ] ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : FCRA Section 611 [ 1681i ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently on a payment rehabilitation plan with both XXXX and XXXX XXXX XXXX.both are student loan companies. Although I have been paying on time and as agreed my credit report still shows late payments. This is impacting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX Account has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 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 any purpose. 

Please remove the late payment history as it is affecting my credit.
Product: Credit card or prepaid card

Paid in full Amt due per attached check. Credit report still reflecting balance due and derogatory credit score which I have disputed over and over while they drug out their investigation that my credit union reported they input info wrong electronically causing a bank certified not personal check sent by my bank officer in XX/XX/XXXX to bounce. The amount of the bank certified ck due {$350.00} in XX/XX/XXXXto pay in full account ending XXXX not XXXX as they have on credit report. CIti is very unorganized which is why I closed my acct in XX/XX/XXXX and asked for payoff. I will never use them again. The rest of my credit report is stellar. Giving these crooks this kind of power is absurd and unamerican.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a chase card thats closed as a charge off. This card is fraud and most likely used without my consent. Ive disputed the company for fraud but still shows up on my report. Received letters in the mail that this account will be immediately removed. Balance of {$1100.00}. Closed in 2018
Product: Checking or savings account

Bank of America is not sympathetic to customer hardships caused by the pandemic. I feel they are practicing unfair and excessive fees to my account. I have not had a full accounting audit of my account from the beginning of my opening date but just focusing on the most recent charges I noticed they are charging me multiple fee 's on a payment that was returned due to NSF and they reprocessed in the same month and charged another NSF fee. Double processed NSF payment and double NSF fee to the same merchant in the same month. Not until recently did a representative offer to switch my account to a safe account which will not allow me to go negative. 
I also feel that its misleading although in terms ( which I didnt not read thoroughly ) to offer a overdraft account and they transfer money as needed to avoid my account being negative then charge me a fee for that service so if its needed multiple times a day or in the month to transfer funds the fee is added as well.
Product: Debt collection

Contacted Legal Collection Agent to notify them a credit collection alert was place on my credit report fraudulently through Hunter Warfield. The collection has been settled and paid in full in the amount of {$150.00}, agent was suppose to send receipt and documentation that there will be no collection account reported on my credit report as it has been settled. Collection Agent stated she will fix the error and will send to all credit bureau to get removed. She stated it will usually take 7 days for credit agencies to refresh after she sends out the electronic request. Hunter Warfield never notified me of there mistake, nor apologize for there error they caused to my personal credit profile. With the collection/late added on my report, my FICO score dropped nearly 30points. We just recently purchased a new vehicle and higher interest rate offered could have been the root caused by Hunter Warfield 's error in reporting my account. Now I am stuck with the lower tier rating with a higher interest auto loan rate. Please have error fixed immediately so that we do not have to escalate further with our legal rights.
Product: Debt collection

In XX/XX/2019 I had a account with XXXX which included insurance on the ( 2 ) Two cellphone, which were being pay each month in the bill amount, I went XXXX and the cellphone were stolen, on my return I call XXXX and reported the matter then I went to a XXXX  store and was awaiting them contact me and in stead a collection agent AMSHERCOLLECT SERVICES at XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, Telephone number ( XXXX ) XXXX for amount {$4400.00}. I explained my situation to them and informed them about the insurance which was on the account because my phone screen broke before and it cost me {$190.00} so after that experience I added insurance to the plan to cover any damage or if the phone is lost or stolen, only thing they are tell me is that I need to pay this amount and my account condition is DEROGATORY but I am asking about the insurance that was being paid for these purposes and these situations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please send me an up to date credit report to my email : XXXX and or by mail : XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX & XXXX  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 60 days 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. 


XXXX & XXXX 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 8
Product: Credit reporting, credit repair services, or other personal consumer reports

I had call Experian several times at XXXX to dispute an account that do no belongs to me, I had asked XXXX to validate the " collection '' account to neither none of those companies has provide a valid evidence that the account belongs to me, all i have heard from Experian the only credit report company reporting the collection is that XXXX says the account should remains on place but havent never provide me any evidence that the account belongs to me or was open by me. 

this has been for over a year already and i never get any validation, I am requesting XXXX and EXPERIAN to remove the account since it does no belongs to me. 

They asking me to place a police report i had been to the police but there is not a single person i could report because i do really no know who opened the account and
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681, Congressional purposes, 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, personal, 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. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! XXXX is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked
Product: Credit reporting, credit repair services, or other personal consumer reports

FAIR DEBT VIOLATIONS AND FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$4900.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00}, XXXX XXXX ( Original Creditor : APP XXXX ) XXXX Balance : {$1900.00}, XXXX XXXX ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$1300.00}, XXXX XX/XX/2022
Product: Mortgage

On XXXX XXXX I qualified for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ - Program, and was supposed to be in this program for the following 3 years, with the option of getting a modification on my mortgage as soon as my financial situation change for the better. The program assigned an amount of {$38000.00} for my mortgage payments which was managed and disbursed by XXXX XXXX XXXX XXXX. XXXX made the payments directly to my mortgage bank XXXX, in the amount of {$1600.00} and I was advised to send a monthly payment in the amount of {$180.00} to XXXX XXXX. In or around XXXX XXXX XXXX sold my mortgage to Nationstar Mortgage Acct. By around XXXX XXXX I contacted Nationstar and communicate my desire to restructure my loan and to keep my property, in return Nationstar sent and individual to evicted me from my home, furthermore nationstar sent me documents offering cash for keys in the amount of {$3500.00} so I could re-locate, but this offer was never honored. I tried multiple vias to solve my situation and keep my property to no avail. By XXXX XXXX, XXXX I was out of my property afraid that I was going to be destitute, but no representing Nationstar ever showed up to get the house keys and full fill their cash for keys promise. My calls were never answer or return and my belongings were on its way to the other side of the country. By XXXX XXXX I started receiving calls from nationstar saying that the property was still mine. Short story, Nationstar Auction my home in XXXX and in XXXX XXXX I received a letter from nationstar stating that they were sorry for their mistake with no explanation of what happened or offer to compensate for their ineptitude and lack of professionalism
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

A company I have never heard of named CAB Collection Agency is reporting several negative derogatory accounts to XXXX, and XXXX consumer reports. I have no knowledge of said accounts. I demand that this company deletes accounts from all XXXX major credit bureaus. If CAB Collection Agency can not provide me with original paperwork that bears my signature to verify that these accounts belong to me, then they are reporting unverified accounts to XXXX and XXXX because I have NEVER done any business with any company named CAB Collection Agency in my life.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX ) XXXX XXXX XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.