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

I recently obtained a copy of my credit report and noticed discrepancies. As per the information I've received, it's necessary to authenticate any inaccuracies. The following items/accounts require verification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX  XXXX XXXX. 

Kindly conduct an investigation into the accounts I've specified and send me the results via mail. According to online sources, this process should be completed within 30 days, hence I'll await your response within that timeframe.
Product: Credit card

I was charged interest on purchases for a credit card that had been paid in full the prior month. When I called to find out why I was charged interest, I was told that the interest was residual interest and unless I paid my account in full 2 months in a row, there would be residual interest. I asked them to explain to me what purchases had residual interest and they could not explain it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To Transunion To Whom It May Concern, This letter is being sent to you in notice about the INACCURATENESS, INCOMPLETENESS, and more importantly, to your ERRONEOUS REPORTING. 

1. The following personal information is incorrect XXXX : XXXX, XXXX 2. The following personal information is incorrect Also Known As : XXXX, XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX LA XXXX 4. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputedaccuracy XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT 6. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. Under 15 U.S.C 1681c-2-block of information resulting from identity theft. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 


15 U.S. Code 1681e ( b ) REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

I DEMAND you to verify all these challenges and allegations and if can not, under the FCRA, unverifiable accounts MUST be removed. 

Thank you, XXXX XXXX
Product: Mortgage

In XXXX I did a forbearance with Lakeview LoanCare LLC and I was harassed my phone calls, emails, certified mail and regular mail from this company stating I would lose my home if I did not make a payment. I have proof that I made mortgage payments the entire time that I was on forebearance even though by law I was not required to do so. Even at the end of my forebearance my mortgage payment was never behind nor missed. I have never been late on my mortgage payment. I was harassed by Lakeview Loancare to the point where I was afraid, stressed and depressed the entire time I was under the forebearance all due to the fact that this company emailed, called, sent letters stating that I would lose my home if I did not make mortgage payments. I would call the company ask them to stop harassing emails, calls and mailers when I did this I started receiving certified mail from the mortgage company threatening to take my home if I did not make payments to them. I would call have them to check my account to make sure that they were receiving and applying my many many payments correctly because there was no reason for be to harassed for payments while under forebearance and everyone I spoke with say where I was making payments and saw that I was under forebearance but no one could explain why I was being harassed for payments by the mortgage company. I would speak with supervisors have them to check my account and them to spend me payment history statements and nothing absolutely nothing and no reason reflected under the forebearance why I was being harassed by this company. The harassment finally stopped after I threaten to sue the company for harassing me.
Product: Student loan

my niece went to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) it has since closed because the company that bought it has filed chapter XXXX bankruptcy I was appalled when I found that my government allowed such a transaction to take place how do you not know when a college has been placed on probation and had lost accreditation. You the government has allowed not only her but XXXX to be put in financial ruin and now I have been drug into this nightmare and I am demanding my money back. I have found that the XXXX now called XXXX has been sued for wrongful business practices and that my niece has a letter that states her loan has been forgiven but we have a bigger issue and that is a company called Berman & Rabin @ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX. These people sent letters to financial institutions to seize money for this bogus loan and they picked up on a CD I had in MY NAME FIRST my niece 's name second at XXXX XXXX XXXX from XX/XX/XXXX here 's were you may want to check the illegal activities of this transaction I WAS NEVER EVER SENT ANYTHING FROM THIS BERMAN & RABIN I WAS NEVER EVER ATTACHED TO A STUDENT LOAN I NEVER EVER SIGNED ANYTHING FOR HER STUDENT LOAN what did happen was I WAS CALLED BY A REP FROM XXXX XXXX XXXX THAT THEY HAD TO RELEASE MY CD TO THESE PEOPLE TO SATISFY THE DEBT that should have never been issued because the so called college was told by the accreditation commission NOT TO ENROLL ANY NEW STUDENTS BECAUSE THEY LOST THE ACCREDITATION ALL OF THIS IS FROM A SENATE INVESTIGATION. This is Consumer Fraud, Predatory lending and the XXXX Merchandising Practices Act 407 sections 1 & 4 she was never told the school was not accredited plus she was told the class credits would transfer to other colleges or universities, section 2 the XXXX book she has is not even for the USA its for laws in the XXXX she and the rest of the people that went to that place never used that book. How can someone allow this to happen I 'm sick of how she & her mother has been treated by this berman & rabin the abuse they have been put through both are suffering not only monetarily but emotionally something needs to be done and now. I know for a fact she has been fighting this for 6+yrs and now the fact from our own US XXXX has proof that she and all that went there should have never been burdened by a student loan they have been deceived and she was not of sound mind and body anyway we as a family were dealing with the illness and eventual death of her father my brother so in XX/XX/XXXX she should have never signed any document for anything she was in a severe XXXX for over a month after his death she was off work for one month I know.
Product: Money transfer, virtual currency, or money service

basically what happened was I had a cash app account I don't remember the username for it but while I was in the account I noticed that I was asking for multiple refunds over the course of a couple months wasn't hearing back from support even though I was messaging them every other day and XXXX of the last messages I had sent was asking if my dispute was finished basically and while I was happening it kicked me out of my account and wouldn't let me log back in this happened last year I currently have a new cash app account now but I never got my refund and I don't understand why I got kicked out of my account at the time it was very XXXX  for me because I was the breadwinner in my family and the refunds that I would have been getting back the store said they couldn't provide them so I was trying to get it back from cash app they never responded to me they never tried to contact me via email or phone or the contact center in the app so I just ended up having to make a new account with cash app but I never activated the card because I just felt a little iffy about it
Product: Payday loan, title loan, personal loan, or advance loan

I never authorized the second inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account # XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX has violated my rights. 

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

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

In the credit report the balance on the XXXX XXXX XXXX mortgage account is incorrect it is stating {$0.00} paid as of XX/XX/XXXX. The payments on this account are current last payment in the amount of {$490.00} was made on XXXX/XXXX/XXXX the current balance on the account is {$35000.00}. The bankruptcy was discharge inXX/XX/XXXX the mortgage was not included in the bankruptcy. The statement on the account " delinquency due to extended unemployment '' was put the report prior to the year XX/XX/XXXX. It also states the information would remain until XX/XX/XXXX which is well over 10 years and should be deleted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Dispute of Late Payment Reporting Dear Sir/Madam, I am writing to formally dispute the late payment ( s ) reported on my credit report associated with my account, in accordance with my rights under federal law. The reporting of these late payments may not comply with the following legal provisions : 1. 15 USC 1681, Section 602 : This section highlights Congress intent to ensure fair and accurate credit reporting and to protect consumers from inaccuracies that can adversely affect their creditworthiness. In accordance with the fair credit XXXX Account XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

2. 15 USC 1681, Section 604 ( a ) ( 2 ) : This section restricts the use of consumer reports to permissible purposes and emphasizes the importance of accuracy in credit reporting. 15 USC 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

3. 15 USC 1666b : This section provides a grace period for payments to be considered timely, stipulating that creditors must account for delays in mail processing or other reasonable circumstances. 15 USC 1666B : A creditor may n treat a payment on a credit XXXX account under an open end consumer credit plan as late It is my understanding that : The late payment ( XXXX ) reported XXXX not have been calculated in compliance with the statutory grace period outlined in 15 USC 1666b.

The reporting practices may not align with the standard of fairness and accuracy as required under 15 USC 1681, Section 602 and Section 604 ( a ) ( 2 ).

I request that you conduct a thorough investigation of the reported late payment ( s ). If the information is found to be inaccurate or unverifiable, I expect it to be corrected or removed from my credit file promptly, as required by law.

Please provide documentation verifying the accuracy of the late payment ( s ), including but not limited to : 1. Proof of the payment due date and the date payment was received.

2. An explanation of how the payment was deemed late, in light of the statutory requirements.

3. Confirmation of compliance with the legal grace period outlined in 15 USC 1666b. 

Failure to address this matter accurately and promptly may constitute a violation of federal law, and I reserve the right to escalate this dispute by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies. 

Please respond to this letter within 30 days as required under the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention to this matter and look forward to your resolution.
Product: Credit reporting or other personal consumer reports

I'm personally filing this complaint regarding late payments on my credit record. Upon review, I found these late payment entries. I sent letters about this issue over a month ago but have received no response or adequate validation. I'm seeking your help to address this situation.
Product: Bank account or service

My mother passed away XXXX XXXX, 2016 with a checking account with my XXXX brothers and myself as owners of the account. They have the account frozen and want release funds. they keep agreeing we own the account but gave me instructions to show them a affidavit of heirship which we did. Still want release and now say they want a probate. This not necessary as we are owners of account. I have had my mother 's attorney prepare affidavit at a cost of XXXX which they will not accept. I want the account released to us and refund of this extra legal cost. In texas I know this account should not go through probate. Will was attached to affidavit. They let many checks go through then froze account with no notice and I had sent my mother 's IRS tax payment for XXXX and was returned and now may owe XXXX penalty. They also stopped drafts for electric bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent dispute letters to XXXX, Experian, and XXXX because there is inaccurate information on my credit report. It has been 30days and I have not received a reply or an update on the status of my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), the companies must complete this reinvestigation within 30 days of receipt of this letter.
Product: Debt collection

I am writing to formally dispute the fraudulent collections account reported by Diversified Adjustment Account # XXXX that has appeared on my credit report. This account is entirely fraudulent, and I have no knowledge or affiliation with the alleged debt. 

As part of this dispute, I have included a copy of the police report that I filed regarding this fraudulent account, as well as a report from the Federal Trade Commission ( FTC ). These documents provide evidence that I am a victim of identity theft, and this account was opened and reported without my consent or knowledge. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and any other applicable consumer protection laws, I am requesting the immediate removal of this fraudulent account from my credit report. This action must be completed by XX/XX/year>, to avoid further legal actions. 

If this account is not removed by the stated date, I will be left with no option but to file a lawsuit against your agency for willful non-compliance with federal law, as well as seek any other remedies available under the law. 

I trust that this matter will be handled with the urgency and attention it requires, and I look forward to your confirmation of the removal of this fraudulent account from my credit report. 

Thank you for your prompt attention to this matter.
Product: Mortgage

I experienced problems paying my mortgage.. My Lender SPS offered a trial modification. I paid the modification for over 10 months and we never received a permanent modification, but instead the modification was removed due to, lender not receiving requested documentation? I have spoken to lender recently, and now have placed me into foreclosure.. I am compelledto seek help from the CFPB
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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 me 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 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 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
Product: Credit reporting or other personal consumer reports

The following accounts were not authorized to access or report any of my credit information and should as such be removed immediately. The initial FTC report is attached. 

XX/XX/XXXX - JPMCB CARD XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX 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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then XXXX  times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX XXXX XXXX the company said the payment I made was late but I never paid late. They messed up when trying to charge my account and never updated my new account that I added.
Product: Vehicle loan or lease

In XXXX I received a notice that my account was not current. I was confused because my bank showed that I had been charged ( through direct payment ) the {$450.00} that I had agreed on with the car dealership. I called the automated system and heard the date of my last payment and the date of my next scheduled payment. Since the system stated I did not have a payment due until the middle of the next month I believed that I received this letter as an error. 
I received another notice in XXXX, still feeling confused I called on XX/XX/2020 and spoke to a person by the name of XXXX. She informed me that the payment amount was {$450.00}. I told her that my agreement with the car dealership was for the payment amount of {$450.00}. She said she looked at the paperwork and did see that {$450.00} was the correct amount, she said she would change the amount to {$450.00} and remove the late fees. 
A couple of weeks later I received a letter stating that I had a late payment reported to the credit bureaus. I called and spoke with XXXX on XXXX and he explained that my payment had changed to {$450.00} due to an increase in taxes. Apparently, this change happened over a year ago and since my unpaid balance had reach over the {$15.00} dollar mark it was considered a late payment. I was never notified of this change and XXXX was also unable to explain this change in my account. I went ahead and paid the amount that was due. I explained my frustration to XXXX and asked that he have a manager look into the conversation that I had will XXXX and get back to me so I could see what I needed to do move forward. I never received a call back from anyone at USbank. This is when I filed a dispute report. USbank  denied my dispute to remove the mark from my credit. 

I am very disappointed with the way all of this has been handle. I always make my payments and I should not be penalized for USbanks inability to communicate. I was NEVER notified that my payment changed. When I called the automated system, it told me that I did not have a payment due. When I did talk to a live person, I was told that I had resolved the issue, and now my credit has been harmed. At the end of all of this I could not even get a manager to call me back!
Product: Credit reporting or other personal consumer reports

TRANSUNION CONSUMER DISPUTE XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX - XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX PERSONAL INFORMATION AFFIDAVIT To Whom It May Concern : I reviewed a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses I have never resided in and may possibly belong to a relative. For the record, I have lived at the same address for five ( 10 ) years. 

My correct name is XXXX XXXX XXXX, please remove all other name variations IMMEDIATELY, they are not accurate. 

My current address is XXXX XXXX XXXX XXXX OH XXXX and I have resided here for 10 years, remove all other addresses that I have never lived at or may belong to a relative, they are not accurate, remove them IMMEDIATELY ... XXXX XXXX XXXX XXXX OH, XXXX My current telephone number is XXXX, please remove all other numbers IMMEDIATELY, they are not accurate. ( XXXX ) XXXX, ( XXXX ) XXXX