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

XXXX  and Transunion are reporting incorrectly a collection in the amount of {$19000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and is in good standing. In addition to the account being paid, the statute of limitations in Texas for reporting a collection is ( 4 ) years. It is a violation of the Fair Credit Reporting Act to report an account that is over ( 4 ) years old. I have attached additional documentation showing a different address of where I was residing when this account is being reported. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

Hi On Friday  XX/XX/2019 I received a call from Home Depot/Citi Credit Services regarding fraudulent purchases made with a HD Credit Card to my name. At the moment I was on a cruise leaving XXXX and couldn't verify exactly the purchases listed by HD since they only gave me the item purchase amount and not the item description. In total there were 3 fraudulent purchases, one of which matched closely to a legally purchase made by me. So I reported the 2 others purchases and left the other one as is. 


Later on XX/XX/XXXX I spotted that this was indeed a fraudulent purchase and contact them about it. They told me they were going to open an investigation and on XX/XX/2019 I received a letter telling me I was responsible for it since I didn't identify the transactions. 

From what I could research, Legally, I have 60 days after receiving the erroneous bill to report the mistake to the Home Depot/Citi Credit Services. Both dates, the initial fraud call and the fraudulent billing statement fall within 60 days. I would like to know if you guys could help me resolve this issue. 

Thank you XXXX XXXX
Product: Mortgage

I started the home buying process with a company called homepromise out of PA as a XXXX veteran and a single father XX/XX/2023. They told me I would have a closing date of XX/XX/XXXX md and not to get an apartment for myself and my daughter. Three days ago they sent me a denial letter with no explanation leaving me homless. They dissolved a XXXX veteran and his daughter so they could profit off business .myself and my daughter are still currently homless. Home promise lending company out of PA does not care about veterans or XXXX folk.they did not offer my family a hotel stay after knowing making me homless knowing I was a XXXX veteran. Is this how they honor the XXXX vets that served? XXXX XXXX XXXX XXXX should be ashamed of themselves putting a six year old out on the streets.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation into potentially fraudulent activity on my credit report. After reviewing my credit report, I noticed inquiries that I do not recognize and believe to be fraudulent. 
See below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My home loan was transferred from XXXX XXXX XXXX to SLS Services effective XXXX/XXXX/16. I have spoken with customer service representatives half a dozen times and sent repeated communications. 
1 ) They changed my monthly minimum when transferring my loan as they require 2 months reserve escrow rather than one month. This increases my monthly mortgage without my agreement and now creates a difficult situation to be able to pay the monthly amount. 
2 ) The continue to fail to credit my account for the monthly mortgage and rather apply it direct to principle despite paying timely payments and communications. They transferred the loan on XXXX/XXXX/16 and I did n't find out about the transfer until XX/XX/XXXX. Two payments were made in the original loan amount to my original mortgage company in the amounts of XXXX ( pay XX/XX/XXXX and XX/XX/XXXX effectively ). I spoke repeatedly with customer service and was told to pay XXXX XX/XX/XXXX and that will cover both the XX/XX/XXXX and any missing funds due to the change in monthly minimum due to the increase in escrow funds. I then paid XXXX XX/XX/XXXX which was intended to cover XX/XX/XXXX. They are still disputing that I am missing an entire monthly payment.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN 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 ( MONTHS REPORTING LATE ) 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. 


EXPERIAN 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: Mortgage

We have a VA loan on our home thru Freedom Mortgage with a guarantee that we can refinance should interest rates drop. We started that process a few months ago, signed all the required documents and returned them to Freedom. We had a settlement date of XX/XX/2020. Freedom called us a few days ahead of that date and said they had to move the date because they made an error in the lot number on the documents. We were told that settlement would be postponed a week. We did not hear anything from Freedom, so called the loan service dept. to check status. We were told the loan was ready and had been sent to the main office. When we didn't hear anything, a week later we made multiple calls and spoke with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX who would not provide her last name. We also left several messages for XXXX XXXX who is the person we were told is handling the loan. She never returned multiple phone messages until a message was left telling Freedom we are going to pull our loan. Ms. XXXX then called back within 30 minutes and said we can go thru with refinance or stop it. When asked what the status is, she said the loan is with the underwriters and we should get a call for settlement within the week. We are now trying to work through loan advocate, but when we called the number provided and requested one, they transferred us to a person who said he is a loan adviser. We have now made another month 's mortgage payment at the higher rate and there is no end in sight for us for the lower rate and payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have looked over my credit report and there are fraudulent accounts on my consumer report that are fraudulent. Any unathorized account is considered identity theft. Under the FCRA written by congress at the receipt of an identity theft report, which is attached, a consumer reporting agency has 4 business days to block these fraudulent accounts. I, XXXX XXXX did not receive and will not receive goods, services, nor money for this block. Neither was this request made by error nor is the identity theft report a misrepresentation of fact being that it is directly from the Federal Trade Commissions website, who by law is authorized to enforce compliance. Therefore there is nothing preventing the blocking of these fraudulent accounts as said so by congress under the FCRA. Unless your consumer reporting agency is able to provide me, XXXX XXXX who is the consumer, a proof of validation of any of these alleged debts from the creditors within 4 business days, there should be NO reason why I would have to wait for an investigation with the creditors/furnishers before the necessary blocking of these fraudulent accounts. NO company policy is above FEDERAL LAW. With that being said there should be NO comments on my consumer report saying that these fraudulent accounts are in dispute, especially since I, the consumer DID NOT request for these accounts to be disputed but blocked, and I have also provided everything needed, pursuant to 15 USC 1681c, for this fraudulent information to be blocked no later than 4 business days. Please also mail me confirmation of this block along with an updated consumer report showing this block. Along with this statement, I have attached both the identity theft report and proof of my identity which is my license and proof of address. The fraudulent accounts that need to be blocked are listed below. 

XXXX XXXX XXXX US DEPT OF EDUCATION/XXXX  US DEPT. OF EDUCATION/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to go back to school in XXXX, at XXXX Jr College I was in class not even a month and told because I didnt have a high school diploma or something equivalent I didnt qualify for any student loans, and was asked to dismiss myself. Now over 20yrs later I have all these student loans I'm to pay back I cant seem to get any help in this matter I thought it was taken care of only to find out the loans have been sold to collection company 's. My credit is a mess I keep disputing these issues and cant get it cleared up they have intercepted my taxes my wages and I do not owe anything I NEVER SIGNED FOR ANY CHECKS REGARDING ANY STUDENT LOANS, some one had to for them to be cashed and used on a student that wasn't even in school how do they get away with that? I have contacted the school which is now XXXX college spoke with XXXX XXXX from admission she went back to XXXX and shows no record of me ever attending college they have all the XXXX jr college records and transfers, no record of me. Over 20 +yrs I have been dealing with these loans that should of never been. PLEASE HELP ME. 
XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX until recently use to be a Buy Here Pay Here Lot so they still have that Lets Rip Them Off Mentality. This is the most unethical and dishonest dealership you can go to. I signed the Buyers Order that showed there was XXXX down. Then they produced one that says {$500.00} down and they have no explanation why it was changed and wanted me to pay them. I refused so they added it on to my loan plus another {$400.00} that they had no explanation for. I never got to see the Contract because I was told that they could not print it and they would email it to me. When they did, those signatures were not mine accept for the last 3 which they transposed over from my Drivers License. I told them at the time of purchase that I will not pay them {$1100.00} to wash my car. I was told that I would not be charged that Fee. The fee showed up on the Contract that I did not Sign therefor I was Charged. In addition they committed Bank Fraud by financing the car with 2 different Lenders and I verified that they collected the money from both Lenders. That caused me to owe a double car payment. Thanks to the FL XXXX XXXX XXXX XXXX one of the loans were finally cancelled. I called TD Auto Finance and told them that the Contract was a fraud referring to the Amount of Sale and Signatures. The first agent told me that he didn't care if it was my signature as long as he has a Signed Contract. The second Agent gave me the number to there Fraud Department and after several attempts i never was able to connect someone. The 3rd Agent called me and told me in a very rude demeanor that they asked the Dealership if the Contract was Fraudulent and they said no so they are fine with that answer.
Product: Mortgage

The office of Congressman XXXX XXXX told me to fill out a form with CFPB in order to have this matter addressed. My home was stolen. My sisters and I inherited my deceased sister XXXX XXXX XXXX 's home XX/XX/XXXX through Probate Court ( small estate ) the address is XXXX XXXX XXXX. XXXX MD XXXX. XXXX passed away XX/XX/XXXX. I became sole owner XX/XX/XXXX through Quit Claim Deed. XX/XX/XXXX my home was fraudulently foreclosed by Samuel I. White  Law Firm representing XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX my family and I were illegally evicted by two men impersonating I have a XXXX year old XXXX XXXX   son who has been scared by people I believe they work for the law firm and/or real estate agents /developers. The occupants in my home are doing a rent to own on file with Land and Records they have a Special Warranty Deed and a Money Deed no bank was involved. 
I have been harassed and it continues today, my mail has been stolen, robotic signatures, my emails hacked, my incoming and outgoing phone calls have been forwarded to someone impersonating the company or me. I am currently living in XXXX MD XXXX XXXX XXXX XXXX # XXXX XXXX XXXX MD XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were discharged XXXX of XX/XX/22. Equifax credit agency hasn't updated the information and paid off status of my student loans account
Product: Student loan

I have sent multiple requests to myfedloan.org to tell them how I would like my additional payments to be processed. I have been paying extra every month, and want the highest interest loans to be paid first - duh! Well after 2 months of requesting to apply my extra payments to principal, and 2 months of my payments being applied in the same way that they always have, I 'm losing confidence in them. I have saved my email correspondence with myfedloan.org ( though, they have never personally responded -- I only get canned, automated responses ). they are costing me thousands in interest, and I want to get this resolved as soon as possible.
Product: Debt collection

XXXX 's showed up on my credit acct number XXXX on XX/XX/18 with amt od {$0.00} please have them remove this acct. I do have a XXXX acct but it is a different acct number and this one is not mine
Product: Money transfer, virtual currency, or money service

There have been numerous transactions or transfers I didn't do or approve or authorize I disputed the bigger amounts that concern me {$90.00} and {$60.00} they accused me of the transactions and when I asked to have it resubmitted and escalated its only escalated it's extremely disrespectful how they handle customers complaints I'm almost to the point of having them investigated.the company is cash app
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered several inaccuracies that need immediate investigation and correction. Specifically : XXXX Account : This account is inaccurately reporting late payments, which is incorrect. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy. I am demanding that this account be updated to reflect " paid as agreed/never late. '' XXXX Account : I am disputing this account under 15 U.S.C. 1681s-2 and requesting validation of the debt per 15 U.S.C. 1692g. If proof of this debt, such as the original signed contract or related documents, is not provided, the false reporting must be removed. Failure to comply would constitute willful non-compliance as established in cases like XXXX XXXX XXXX XXXX XXXX. 

XXXX Account : I am similarly disputing this account under 15 U.S.C. 1681s-2 and requesting validation of the debt. The same requirements for proof apply, and failure to validate the debt should result in its deletion. 

XXXX CARD Account : This account also requires validation under 15 U.S.C. 1692g, with proof of the original contract or authority to collect the debt. Without sufficient documentation, this account must be deleted. 

XXXX Account : I am disputing this account on the same grounds, requiring validation or removal if proof is not provided. 

KOHLSCAPONE Account : I am disputing this item and demanding validation under 15 U.S.C. 1692g. If no documentation is provided, the account must be removed.

Additionally, I noticed inaccuracies in my personal information : Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are legally obligated to investigate and correct these inaccuracies within XXXX days. This obligation is reinforced by precedents such as XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX, which highlight the need for thorough and reasonable investigations. 

I expect a complete investigation, written confirmation of your findings, and an updated credit report reflecting the corrections. Failure to address this within the legally mandated timeframe may result in further action, including complaints to regulatory agencies like the CFPB and FTC or pursuing legal remedies under 15 U.S.C. 1681n and 1681o for willful or negligent non-compliance. 

This is a formal demand, and I expect prompt attention to resolve these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called them to ask if they can take some of the inquires off from contour mortgage they told me to get in contact with contour mortgage i did and i check up with contour they told me they Submit paper work and when i check with them they said they didnt recieve and now contour is not answering my calls
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct These Companies has violated my rights with Hard and Soft Pull Inquiries. 

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
Product: Vehicle loan or lease

I tried to purchase, at the contract 's residual payoff figure, and/or transfer my rights to purchase my leased vehicle at the end of the lease and Infiniti Financial said I could not do that " they are an indirect lender and that I needed to go to an Infiniti dealer and work with their dealer to purchase my vehicle ''. They claim they had a policy change on XX/XX/XXXX and that I needed to go a Nissan or Infiniti dealer to purchase my vehicle at lease end. It is absurd to think I can not just send them a check and buy the vehicle, they said they would send the check back to me if I sent them a payoff check. The reality of the situation is the residual payoff is below the trade in value and they are stealing my vehicle and the residual equity in it ... ..and I am certain they are stealing equity from many others as well.