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

I hope this letter finds you well. I am writing to address and rectify billing errors that I recently discovered upon reviewing my credit report, which appear to be in violation of the United States Code Law, specifically TILA 15 U.S. Code 1666 ( b ) regarding billing errors.

Upon a detailed examination, the billing errors fall under the following categories specified in 15 U.S. Code 1666 ( b ) : ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

I have noted discrepancies in the reporting of payments made and other accounting matters on my credit report, specifically related to the following accounts : DEPT OF ED/XXXX Account Number : XXXX Late Payment Dates : XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Late Payment Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Late Payment Dates : XX/XX/XXXX, XX/XX/XXXX As per my understanding of the law, the creditor is required to provide a statement at least 21 days before any payment due date. Failure to do so would render any late payment charges invalid. I am requesting hard, verifiable evidence from your records that supports the assertion that I did not make timely payments, resulting in the reported late payment status. 

I urge you to promptly rectify these errors on my consumer report by updating the aforementioned accounts to " paid as agreed. '' If these corrections are not made immediately, I am prepared to exercise my rights under 15 USC 1681n civil liability. This may involve seeking monetary compensation through legal channels, including small claims court in my city and state. 

To ensure that this matter is properly addressed, I have already submitted a complaint through the Complaint portal of the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

I anticipate your swift attention to this matter and a resolution that upholds the principles outlined in the applicable laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Date of Birth : XX/XX/1990 Experian XXXX XXXX XXXX XXXX, TX XXXX Greetings, In am writing this letter to express my concern about my credit report being blocked and unavailable. Per the Fair Credit Reporting Act my credit report must be 100 % accurate and verifiable. I have provided my ciorrect and accurate information below : Name : XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/1990 Social Security Number : XXXX If there is any MISMATCH personal information DELETE any information that can not be verified as blatantly outlined in the Fair Credit Reporting Act. Failure to make my credit report available will result in legal action against your company for WILLFUL NON-COMPLIANCE. I have also notified the CFPB of your erroneous actions. 


With Kind Regard, XXXX XXXX XXXX XXXX. 

( I have not provided my signature in order to avoid duplication in the re-investigation process )
Product: Credit reporting, credit repair services, or other personal consumer reports

For years now I have been investigating my credit report. Companies such as XXXX, Equifax and XXXX, have been committing fraud, identify theft and long term racketeering along side of banks and third party companies they are using as shark debt collection agencies. 

i have suffered much emotion and mental damage and distress due to this ongoing disproportionate and disgusting behavior. 

These financial institutions breached their fiduciary duty to protect my nonpublic personal information by withholding a known fact!! 

XXXX states i was suppose to receive an explanation as to how I can opt out of all information reporting negative information. 

Late payments/Charge offs = R.I.C.O among federal laws these companies have collectively and knowing kept doing are the following 18 USC 1341 -Frauds and swindles 18 USC 1344 - Bank Fraud 16 CFR 1681 ( CRIME ) 15 CFR 1681c-1 ( FCRA )
Product: Mortgage

Issue : Cross Country mortgage refusing to complete an FHA loan assumption for buyers and sellers in a timely fiduciary manner per HUD/FHA Regulation and Policy. Cross Country mortgage intentionally not following the proper procedure and timelines to complete the loan/rate assumption process by refusing to answer calls, when calls were answered, disconnecting the calls and not returning calls when they had our phone number to call us back immediately. 
On XX/XX/year> my wife and I entered into a purchase agreement through XXXX XXXX as the sellers of our home at XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX  XXXX. Our mortgage company is Cross Country Mortgage in which we have an FHA loan through. As part of the HUD/FHA ; `` All FHA loans are assumable ... qualified assumption requires the assuming borrower to qualify for credit based on current underwriting guidelines..The USDA requires that the house is in a USDA-approved area ... complete an application, provide documents, and meet the lender 's credit, income, and financial requirements to get the loan assumption approved. '' Cross Country continued to claim that buyers and sellers did not complete and signed required paperwork when we did everything that was requested. They are claiming now that we did not start the paperwork until XXXX of 2023, which is absolutely false. In XXXX of 2023, I the spouse of the seller was forced to file XXXX XXXX Bankruptcy due to the stalling of the sale of our home. The home was not included in the XXXX XXXX  because we already had a purchase agreement in place since XXXX. The Buyers have been renting the home from the Seller 's ( myself and my wife- the complainants ). Cross Country mortgage were purposely stalling due to the current high interest rates that have been between 7-9 %. We have a 3.125 % interest rate on our loan. These tactics have been reported in the news, XXXX and other social media outlets. Cross Country mortgage has a fiduciary responsibility to follow all law, policy and procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and noticed several discrepancies under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and US Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. If these are the same accounts, reported by the same creditor, how can there be so many things inconsistent? The open dates vary from each credit bureau, the terms are not consistent, the high balances being reported are also wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to have the XXXX Credit Card account removed from my XXXX  and Equifax credit profile several times now, with no success ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). However, this is a fraudulent account. I have submitted a copy of the original police report regarding this account to both XXXX, Equifax, and XXXX, but is disregarded in its entirety ; by each company. Further, the fraud and/or identity theft is still being investigated by the XXXX County Police Department ( NY ). I would like to have this item removed from my credit profile completely. Prior to this instance, an auto loan, not opened by me, appeared on my credit profile. XXXX  and Equifax were able to correct this issue, but not the current one with XXXX. Also, XXXX has sent me a letter acknowledging that the account is considered invalid. Why the account remains on my profile remains a mystery to me.
Product: Debt collection

I received a notice from my XXXX XXXXXXXX XXXX that I had a collection show up on my credit report and drop my XXXX XXXX XXXX points. Upon investigation of this notice I found out a company Wakefield & Associates ( info below ) had put a collection on my credit report. The supposed creditor is XXXX XXXX XXXXXXXX XXXX XXXX. I never received any billing from XXXX about money owed to them or notices of non payment of a bill. If it was a medical bill my insurance company should have been billed and also unaware of that being billed to my insurance. I have received no information about the supposed debt from Wakefield it just showed up on my credit report. I had no knowledge of the of the billing from either party so how was I suppose to pay the original creditor if I never received a bill or notification of a bill due. 
Company involved. 
XXXX XXXXXXXX XXXX XXXX address unknown believe its in XXXX SC XXXX XXXX Wakefield & Associates XXXX XXXX XXXX XXXX, TN. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want reported accounts removed, these are the accounts. I also want all other public information of me removed. My only physical address is : XXXX XXXX XXXX XXXX, XXXX XXXX Tx XXXX I want the following removed : XXXX XXXX XXXX account number XXXX XXXX XXXX  card : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681 is a section of the U.S. Code that establishes the Fair Credit Reporting Act ( FCRA ). The FCRA protects consumers ' privacy and ensures that credit reporting is fair and accurate.
Product: Mortgage

I have been dealing with a foreclosure action on my residential home in New Jersey for over two years. I have lost my job, am on XXXX and in long term care due to XXXX. Despite my XXXX, over the past 12 months my family and I have worked with my Servicer, Select Portfolio Servicing XXXX Inc., ( SPS ) to try to complete a short sale workout. My goal is to resolve this negative litigation in a more favorable end result for myself and my wife that will mitigate the negative credit on our consumer records due to this litigation. 
In XXXX and XXXX of 2023, the Ocean County Sheriff in NJ, set a sale at the same time my Realtor and Short Sale negotiator, XXXX XXXX XXXX, had a short sale offer in place. SPS representatives advised my negotiator that they needed 37 calendar days ( prior to the sale date ) to review the short sale offer. I requested two sheriff sale adjournments and attained an adjournment totaling XXXX days before the sale, to allow SPS to review the package ( see the attached Sheriff Sale adjournment verification letter ). 
Despite being provided over 37 days to review the offer, SPS has refused our efforts and advised in a rejection letter that they would not review the package because " there is a sheriff sale scheduled '' ( see the attached denila letter from SPS ). Given that they advised that they would make a good faith effort to review the package and that they too are allowed up to 60 days of adjournments in New Jersey, it is my position that the rejection was not adequately supported by the facts nor their promises to fairly review the offer ; they have acted in bad faith, and that by doing so, their actions will have a negative impact on my family 's credit. I would like to have this reviewed with them as soon as possible in order to allow my family a chance to resolve this issue through a short sale loss mitigation option, to benefit my family 's future credit.
Product: Credit reporting or other personal consumer reports

There are accounts on my credit report that I did not authorize, which may be linked to identity fraud. I request that these accounts be blocked and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$150.00} I have already sent the required files to the FTC XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Email : XXXX Phone : XXXX XXXX XXXX XXXX XXXX To : ** XXXX XXXX XXXX XXXX Address : ** XXXX XXXX XXXX, XXXX, VA XXXX **Account Number : ** XXXX **Balance : ** XXXX XXXX XXXXXXXX **Subject : ** Immediate Removal Request Under UCC & FCRA **Dear Compliance Officer, ** I am disputing the validity of the above-referenced account under **UCC 9-210**, **FCRA 1681s-2 ( a ) **, and **Louisiana Revised Statutes XXXX  You are required by law to provide **full validation of this debt**, including : 1. **The original contract bearing my wet-ink signature. XXXX XXXX XXXXA complete accounting ledger showing how this debt was calculatedXXXX XXXX XXXX XXXXProof that this debt was lawfully assigned to you. ** Under **FDCPA 1692g**, if you fail to provide the above, you are required to **immediately cease reporting** this account and delete it from all credit bureaus. XXXX XXXX XXXX XXXXLegal Demand : ** **Delete this account from my credit report within 15 days. ** **Provide documentation proving the legal basis for reporting this debt. ** **Failure to comply will result in a lawsuit under FCRA XXXX UCC XXXX and FDCPA, as well as complaints to the CFPB XXXX FTC XXXX and Louisiana Attorney General. ** **Scripture Reference : ** * '' Deliver me, O Lord, from lying lips and from a deceitful tongue. " * **Psalms 120:2** Sincerely, XXXX XXXX
Product: Credit reporting

I being denied credit because they are reporting me as deceased. I did getsick. and I have n't used my credit .but I am recovering and I have move from the pesticides of XXXX XXXX . XXXX XXXX XXXX Why should I have to give my credit & payment history to Verify who I am. The mistake is n't mine. 
Theirs questioned in reference of my past information like old addressesMy Social Security # last time I check they do n't give dead people new Social cards. I will give ( XXXX ) open account to be verified. I Do n't care why it happenI just want it corrected Thank you. XXXX XXXX /XXXX ( XXXX ) ... Attention Credit Bureau /document available / when address to accountable/ a credible person /Official. or Official assigned to verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in response to your current investigation that took place in my credit record. Again, I believe I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. I am not familiar with the list of accounts I am disputing and I believe that they do not relate to any transactions that I have made or authorized. Please investigate these items at the earliest possible time. Below are the fraudulent items that are still appearing on my report : XXXX Collection : XXXX XXXX XXXX Balance {$540.00} Inquiries : XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX Collection : XXXX XXXX XXXX Balance {$540.00} Inquiries : XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 EQUIFAX Collection : XXXX XXXX XXXX Balance {$540.00} Inquiries : XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The following accounts a-re violating my rights. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C. 1681 SECTION 602 A SECTION 2 : IT ALSO STATES A
CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY INSTRUCTIONS.
Product: Credit card or prepaid card

In may I called Bank of America to see if they had any 0 interest rates going on and the rep told me to send him a copy of my id and social security card XXXX open me a high yield account and I said no to him and I didnt send him no Id or my social security card, then I get a statement that I opened a new credit card and I didnt do it it was that rep that fraud rd my card of a XXXX dollars and Bank of America will not give my money back Ive been disputing this since XX/XX/XXXX and it should not have went off my credit card account .bank of americas trying to make me pay for something I didnt do and Ive been with them since XXXX, so please help me get my money back, Im a senior citizen living on fixed income
Product: Credit reporting, credit repair services, or other personal consumer reports

Received copy of credit report, noticed accounts on my credit report that are a result of identity theft / fraud. Have attached FTC Report XXXX. XXXX to this complaint. Along with a copy of my credit report confirming the accounts.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 XXXX XXXX XXXX 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 card or prepaid card

I have tried every which way to resolve this almost a year old dispute with Citi to no avail. 

It appears I am getting the runaround. I put the charge in dispute within the 60 days window but Citi keeps insisting to resolve with the merchant. 

The merchant appears to no longer exist and I have reached out to Citi several times and they keep coming back with the same old response like below ... 

" Please clarify if you cancelled with the merchant or the merchant cancelled the reservation. In addition, please provide a timeline of your dispute, the date the reservation was booked for and when the reservation was cancelled, and the dates you attempted to contact the merchant and the merchants response to your request for credit. So that we may further assist you, please provide the requested information by XXXX XXXX, 2020. '' Or like below ... 

" As explained in our letter dated XXXX XXXX, 2020, because we did not receive the information requested in our letter dated XXXX XXXX, 2020 regarding the cancellation of your trip, we did not have sufficient information to continue with the dispute. Therefore, it will be necessary for you to continue to work with the merchant to resolve your concerns. '' I have also tried to call several times but no one responds so I am frustrated. 

This is the 2nd time I am filing a complaint to CFPB on the same issue. The CFPB complaint id for the first time around is XXXX. 

Please help. 

I will also try to reach out to my Senators and congressional representatives regarding this issue. Consumers need protection when there is a clear case of non-compliance. 

I am attaching all the docs and correspondence as reference. 

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

I paid I off my loan earlier than expected due to a promotion XXXX XXXX was running. I was told around XX/XX/XXXX that I could take advantage of an early payoff option. I could pay my account in full for the amount about {$250.00} ( cant recall the exact amount ) that and save on the rest of the payments and interested. Of course I accepted bc that would save me a lot of money. The account was then closed as paid in full. About a year later, the reporting on this account changed to 60 days late. After speaking to an agent at the store I purchased the account from, I was advised of some accounting errors due to change of staff. Although I made the payment, it was not posted to my account until later which made my account delinquent. This was in XX/XX/XXXX. I was told it would be corrected because they also were reporting I still had a balance of {$2600.00}. I waited 30 days for my reports to update. The balance went to {$0.00} but they never removed the late payments. Long story short, Ive been calling every month to get this fixed. Ive spoken to the manager XXXX ( or XXXX ) at the store and he advised he is waiting for his supervisor to email him back. He does see the error but only she can send in a request to have this updated. I still have not heard back from anyone. I contacted the store on XX/XX/XXXX. XXXX said he would get this corrected asap and apologized. He said he would return my call but I have not heard back. I have also spoken to the female assistant manager but she did not give me her name. I have disputed this with the credit bureaus but I dont feel they are investigating this thoroughly. I have sent a request by mail to corporate office to have the payment history updated but have yet received a reply. My phone calls and voice messages have not been returned. I have called corporate on XX/XX/XXXX and was transferred to someone in credit. I spoke to XXXX, and she insisted they were not reporting incorrect information. She kept telling me that they were not reporting any 60 day late for XX/XX/XXXX but on all the reports it clearly shows that. She insisted it was not being reported. She went over the times a was few days late but I explained to her those payments were late because the someone added inasurance to my account that I did not accept and i had to wait for the manager to adjust my balance. This continually happened where they either never really removed it or someone was going back in to add it. I did not pay that. I only paid what my installment was and the rest had to be corrected by them. She also did not want to accept a copy of my report for review or send an update to the credit bureau. She said she would have a higher up review it and contact me but I have not heard back. I just want the late payments for XXXX XX/XX/XXXX removed and the account to report as paid. Right now it is reporting 60 days late and still open. I have disputed it several times and I has not been corrected.