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

I am requesting the account listed below to be removed immediately. 
XXXX XXXX XXXX acct : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions 15 U.S.C 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
Product: Mortgage

I was in the process of buying a home last year XX/XX/2018. I was required to take a Home buying class to get a certificate. I attended this class and one of the bankers there her name is XXXX from XXXX XXXX stated there was a program for a grant for XXXX available for the closing cost of purchasing a home. I tried to contact XXXX for 2 weeks, I even called from other peoples phone numbers. She never once returned my calls. I called her supervisor she said XXXX is the one I would have to talk to about this program. The program for down payment money. She stated in the class florida residents 1st time home buyers would be able to use this. XXXX finally reached out to me and said we would not be able to use this program because my father still owed taxes on another mortgage this was not true because at this point I was dealing with another lender.Which was able to get my father a VA loan. He had to borrow money from friends and family for the down money. My fathers first home was purchase by his father and handed over to my father. My father needed to purchase another home because his home he was living in was effected by hurricane Irma and needed to purchase another home. I tried finding out about all the programs that could help him. He is a XXXX veteran and on a fixed income. I was told that there was no funding available. I also had to talk to a HUD approved credit counselor to help advise me on what steps to take. The only thing he did was ask me if I was single and seemed more interested in my dating status then helping me purchase a home. I really felt alone in this whole process. I was able to help my father purchase a home in XX/XX/2018 with another lender. At this point I am very discouraged I do not have faith in any of our programs able to assist low income/veterans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I closed on my loan and the payment amount for my first payment was significantly off. I'd tried to fix it with the company but it took too long and my payment was delayed as First Community Mortgage made a couple of the adjustments. It took SEVERAL calls from me as the consumer to get this correct probably resulting in about 10-20 hours worth of effort to get everything squared away and accurate. None of the time was reimbursed and again - I was at risk for their mistake.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 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 spoke with XXXX on XX/XX/XXXX to make three accounts current ( and out of forbearance ) and confirm that this would be updated with the credit bureaus prior to a XXXX closing date. 

I called XXXX to confirm at the end of the month and then almost every single business day since XX/XX/XXXX to ensure this was updated appropriately with the bureaus. 

However, as of XX/XX/XXXX all three accounts have not been appropriately updated with all bureaus as out of forbearance, and this is holding up my closing per XXXX guidelines. I have now been charged the EMD ( earnest money deposit ) of {$3000.00} for defaulting on the contract and despite more than 20 calls over the past several weeks, they have failed to correct a single account, although they have updated the bureaus with the loan balances.
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

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

We were with Ocwen financial they were being sued by the government for faulty mortgage loans they sold our loan 2 PHH and at the time we had a modification approved with Ocwen when the loan was transferred to the new mortgage company we kept getting letters that there was no modification in place, and therefore we needed to take care of our loan by doing a modification application or other options we tried contacting this new company to get a modification package and at the same time we were out of work we never got the modification PKG. We never could get the option to modify the loan then we receive a letter stating that we hadn't paid the modification therefore we were in pre-foreclosure. When we received the letter regarding to foreclosure we did send notification that we disagreed with information and this was done before they even set up the sell date. We never received any other documents we were looking online at our address and it showed there was a auction date we knew nothing about this. We contacted the mortgage company and they told us that they were planning on sending out a letter giving us the auction date however we never received even anything by the sheriff 's office regarding to any sell date. This mortgage company for what we are seeing is also being sued by the government at this moment for faulty loans also. We should buy legal means should have received a letter before now possibly with a pre-foreclosure meeting at the courthouse or even giving us more time then three weeks due to the fact that we did file complaint with the company letting them know that we did disagree with the decision it did state in their formation that as long as we filed this complaint within 30 days of the information that that would halt it and we did we have proof of that and still they set up a foreclosure date without our knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Federal Student Loan to attend XXXX  after I completed my XXXX I became XXXX XXXX and could not work. I requested that the lender forbear my account because of my medical situation. The Loan only had my account in forbearance for a short period and even after my continued request for Loan forbearance the servicer reported negative account information to the Credit Reporting Agencies. I have since had my XXXX Loans completed discharged because of my XXXX medical condition however the Prior Federal Loan Servicer continues to report my account negative even though it has even past the 7 year statue of limitation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Under 15 USC 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.

Public Record from a XXXX  XXXX bankruptcy dismissed on XX/XX/XXXX. 
I previously disputed this public record. I don't agree with the results of your investigation.

Please mail me the proof of your investigation and verification of this record from the court, or delete this public record. Under 15 USC 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 



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

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX  XXXX {$120.00} XXXX  XXXX {$750.00} XXXX XXXX {$300.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX sent a repo company to remove a vehicle which was inside my property which has a gate. i informed the repo man do not take my vehicle and to remove his truck of my property and to remove his truck out my yard he refused and threatened to run me over on my own property and refused to not take my vehicle the police were called and they informed them to stop and remove there vehicle they refused the police informed them they were breaching the peace and can be held responsible along with the company that sent them. I CONTACTED CREDIT ACCEPTANCE and informed them of the action they never replied back ttill months later after selling the vehicle never giving me a chance to get my vehicle or return my license plate and personal belonging. I request that they remove the account or pay the balance of the vehicle plus send me a copy of the XXXX form for the sale. plus send me a letter informing me of there action if they will be deleting the account from all reporting companies.
Product: Credit reporting or other personal consumer reports

This is a Hard Inquiry that I did not make XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX This is a Hard Inquiry that I did not make XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This is a Hard Inquiry that I did not make XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX This is also a Hard Inquiry I did not make Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX All of these Hard Inquiry 's are showing up on my Credit Report and they are false and misleading because I did not authorize these companies to pull my Credit. 

Sincerely XXXX XXXX XXXX
Product: Mortgage

I contacted Wells Fargo Mortgage several times on providing me with a real time statement during the year a payment in XX/XX/XXXX was missed doing the crucial time of the pandemic. I never received a proper real time statement showing why the late fees were erroneous being charged. I requested an explanation an not one could provide an explanation. Instead I was sent a letter stating if I did not pay a large dollar amount of {$2000.00} my loan would be accelerated on XX/XX/XXXX for foreclosure. I am a victim of the Wells Fargo Mortgage XXXX XXXX for {$3.00} XXXX. I have been charged erroneous fees and I believe I am due some escrow in which Wells Fargo Mortgage is holding as of today XX/XX/XXXX. I am requesting assistance with investigation of this matter.
Product: Checking or savings account

No online access to my accounts at Randolph Brooks Federal Credit Union. 
They have a message on their website ( attachment ) ; I called the number and extension that they provided for online issues and no one will answer. 

No one can help : The state of Texas said it is a Federal Credit Union and they can not help National CUA said they can not help because the credit unions size is over XXXX XXXX. 

CFPB could not offer me any assurances over the phone except they would contact the National CUA ; so this is a failed loop. 

Please can someone take responsibility?
Product: Credit reporting or other personal consumer reports

What Happened : As of XX/XX/XXXX, the account with XXXX XXXXXXXX XXXX  XXXX. ( Account Number : XXXX ) is listed as disputed on my TransUnion Credit Report. The account shows an original balance of {$760.00}, with a reported 0 % balance as of XX/XX/XXXX. The account was opened on XX/XX/XXXX, but no payment history was updated beyond XX/XX/XXXX. I believe the information reported is inaccurate and is negatively impacting my credit score.

Actions taken by me : I disputed the accuracy of the reported information with TransUnion, requesting a review under 15 U.S.C. 1681e ( b ). 
I requested that TransUnion verify the account details and correct any errors in the report. 

Actions taken by the company : TransUnion acknowledged my dispute, but the error remains unresolved as of now, continuing to negatively impact my credit score.

Fair Resolution : 1. Correction of the Inaccurate Information : The account should be corrected to accurately reflect the balance and payment history. If there are any discrepancies in the reported status or payment details, they should be updated to match the true information.

2. Investigation and Validation : TransUnion should conduct a thorough investigation of the account with XXXX XXXXXXXX XXXX  XXXX. to validate the details and ensure accuracy. If the information can not be verified, it should be updated or removed from my credit report. 
3. Removal of Negative Impact : If any inaccurate or unverified information is affecting my credit score, I request that it be removed or corrected. This includes any misleading status reports that negatively impact my creditworthiness.

4. Written Confirmation : Once the necessary corrections have been made, I request written confirmation from TransUnion and XXXX XXXX XXXX  XXXX, including a revised credit report showing the updated, accurate information. 
5. Compensation for Damages : If this issue has caused significant harm, such as a lower credit score or denied credit applications, I request compensation for any damages resulting from the incorrect reporting.
Product: Credit card or prepaid card

Citi Double Cash Card/Wayfair Reported thousands of dollars of fraudulent activity to Citi bank , from Wayfair. Citi opened investigation, but continued allowing many Wayfair charges to go through, and expecting payment for charges. Sent two new cards. Charges still occurring. Wayfair refuses to assist and says its on Citi to block charges. Citi says this is Wayfairs responsibility to stop reoccurring charges. Wayfair will not disclose individuals name or address who is making THOUSANDS of dollars worth of purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

file against the XXXX major buraus transunion/ XXXX XXXX if the bankruptcy courts does not report to the XXXX major credit buraus and they do not I'm not sure why this bankruptcy XXXX and reopening of current bankruptcy and a dismissed bankruptcy XXXX XXXX is not reporting. the XXXX major credit buries. lexis nixes have not been reporting to the credit buraus i will include documentation for the bankruptcy court and XXXX  XXXX i feel my rights and security has been breached. 
Rule 9037 of the Federal Rules of Bankruptcy Procedure went into effect on December 1, 2007. Adopted in compliance with section 205 ( c ) ( 3 ) of the E-Government Act of 2002, Rule 9037 addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case.
Product: Payday loan, title loan, or personal loan

I took out a loan with Upstart on or about XX/XX/2021. The funds were direct deposited into my account. My payments are due on the XXXX of each month. As of today 's date, XX/XX/2021, I have made my first 2 payments, XX/XX/2021 and XX/XX/2021. I went into their website today to make 2 more payments, my XX/XX/2021 and XX/XX/2021 payments. However, my next payment due date is still set at XX/XX/2021, which has already been paid. When I took out the loan, I needed the money to get out of a hole, pay some bills off and catch up on others, which I did. NOW, I want to start making my payments to Upstart and it's very important to me to make these payments NOW because, in light of what's going on in the world today, we have no way of knowing if we will have money to make payments in the future, jobs, rent, etc. I have asked Upstart TWICE today to advance my due date based on the 2 ( TWO ) payments that I have made and they are refusing to do so, stating " we are now allowed to show your loan as due for more than one month ahead at a time ''. I don't care, I want to and am eager to make my payments NOW. I work in a bank, I have for over 20 years, and I KNOW from experience that my due date can be advanced ahead as long as I make the necessary payments. I need the funds that I am remitting to Upstart to be reflected on my loan as payments made, NOW. I absolutely do NOT mean or want these funds to be posted as principal reduction payments, they are payments that forward the due date. Thank you.
Product: Credit card

XXXX closed my account also wf late fee and late payment needs to be removed
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Midland Credit Management acct # XXXX has violated my consumer rights. I did not give Midland Credit Management my written permission or instructions to furnish this negative account on my consumer report. I have requested documentary proofs of my written consent given to Midland Credit Management and no other company. 15 US Code 1681 section 602 A states that I have the right to privacy. 15 US Code 1681 section 604 A section 2 states that a consumer reporting agency can not furnish and account without my written permission or instructions. PLEASE SEE ATTACHED****
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently files a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiries Did Not Give Permission for these companies to pull my credit. 

XXXX  ... .XXXX XXXX XX/XX/20 XXXX ... XXXX XXXX ... XXXX Experian ... XXXX XXXX ... XX/XX/20 Experian ... XXXX XXXX ... XXXX Experian ... XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ... .XXXX  ... XXXX XXXX ... XXXX XXXX ... XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXXXX/XX/year> 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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