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

XXXX has reported inaccurate balance and credit line amount and the length of account and also the incorrect credit utilization which I had told XXXX and they have now fixed the information in which they have reported the correct information to XXXX and XXXX which you will see in the documents I provided I had been talking to XXXX about the errors on my report that they submitted and they told me that they was working with the credit bureaus to fix the issue and I had disputed the information that is on my credit report with Transunion they said they did an investigation and decided to keep the inquorate information on my credit report which is hurting me and effecting me from being approved for loans and credit cards and i know they did not investigate my dispute because if they had they would have been told the information is incorrect from the creditor Transunion also have my credit account with my bank inaccurate as well they are reporting I have a 44 % credit utilization and a balance of {$220.00} which is also inquorate which you can see in the documents I provided I have zero credit utilization and no balance so all the negative statement 's that they have is hurting my credibility which I wanted to apply for a loan which if they had the correct information reporting i would be able to get a loan but because they have the wrong information that's negative my score with Transunion is XXXX but with XXXX its XXXX and with XXXX its XXXX but Transunion is XXXX and steady dropping by the day which is unfair to keep this inquorate information on my credit profile i have explained to them that they are reporting wrong figures and they are still not doing anything about it just letting it sit on my credit report and they have not verified these accounts which congress said they must do if a consumer disputes any information they have for the public to see. which they can be fined because i told them and i sent documents that XXXX have written to me telling me they are fixing the account information and they even said I'm supposed to have XXXX utilization which they apologized to me and that would have been found if Transunion investigated but they didn't so they are deliberately furnishing this inquorate information knowing its hurting me which I've worked to hard to get my scores to rise and ive been doing just what I'm supposed to and for Transunion to continue to furnish this incorrect information is cruel and i don't deserve to be placed in this way because they are hindering me from getting ahead
Product: Debt collection

I RECEIVED A NOTIFICATION THAT MY CREDIT DROPPED  XXXX  POINTS DUE TO A NEW " COLLECTION '' ADDED TO MY ACCOUNT. WHEN LOOKING AT THE INFO. I PAID MY BALANCE OFF WITH THAT COMPANY BACK ON  XXXX / XXXX / 2017 . I DO NOT OWE ANYTHING TO  XXXX   XXXX . I HAVE INFORMATION SHOWING I HAVE A  XXXX  BALANCE AND OWE NOTHING.
Product: Credit reporting or other personal consumer reports

I have dispute late payment and amount of my XXXX XXXX XXXX XXXX, car payment. I still see missing payments and late payments that are not accurate. Account number XXXX - XXXX is {$3100.00} and late payment from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Current balance with XXXX XXXX XXXX XXXX is {$1500.00} in which my last payment is due XX/XX/XXXX as you can see with paying {$330.00} a month on my car will be paid off before XX/XX/XXXX. 

Missing payments form XX/XX/XXXX, I see no payment for that month. 
Need to be updated as current Amount owed is {$1500.00} not {$3100.00} ( {$1600.00} difference ) Updated my account as current and not late from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Violation against CFPAfailed to take action against fraud leaving my account vulnerable and unprotected.seeking appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. NAME : XXXX / ACCOUNT NUMBER : XXXX XXXX. NAME XXXX XXXX / ACCOUNT NUMBER : XXXX As required by 15 U.S.C 1681c-XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate.

I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my XXXX Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective XXXX my identity theft affidavit. I have never authorized or gave XXXX written consent to any XXXX party affiliate XXXX to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter to the XXXX disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the XXXX. Per the Fair Credit Reporting Act, XXXX XXXX ( XXXX ) ( XXXX ), it is plainly stated you have XXXX days to investigate disputes. If you can not verify the information within the XXXX day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Product: Vehicle loan or lease

I entered into a lease with SE Toyota Finance in XXXX, 2021. It was explained to me that when I took the car from the dealership, I was paying the down payment, first month 's payment, and taxes/Insurance/Plates. I signed up for auto pay shortly thereafter. NOT ONCE did I receive a call, a courtesy reminder, an update, an email, a text, nothing to notify me that there was a delay or issue with my payment. Every payment was made on my account. In XXXX, 2021 I received a credit monitoring notification that my account had been reported 30 days late. I was certain that this was a mistake, because again, I was on auto payment, all of my payments had been deducted from my account, and I never received any kind of notification from SE Toyota Finance that there was an issue with my new lease. I called them immediately, disputed the information, received response that payment in XXXX was not made. I called again, spoke with an agent, per his instructions, I sent proof that payment for XXXX was made. Agent placed me on hold for a while, came back to tell me that the fist payment in XXXX was not made??? Again, no call, no email, no text, nothing. A 30 day late in XXXX, this is a mistake. 
I have contacted credit agencies, unfortunately SE Toyota Finance responds that the reporting is accurate. I have called numerous times, no resolution. I have even gone to a local branch, no resolution. I have not made a late payment, this company is not listening or cooperating. This has been a burden for me for over a year and a half. I feel that my rights have been violated and ask that they truly investigate and delete that negative mark they placed on my credit report. This is my first experience with this company, unfortunately as I have been treated thus far, it will be my last. Inaccurate information to be placed on my report without investigating, without an alert, without communicating with me is a violation of my rights.
Product: Mortgage

XXXX XXXX XXXXXXXX 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 XXXX XXXX # XXXX ), The above mentioned attorneys Filed a misleading petition/obtained default judgment that caused my XXXX XXXX debt free " Homestead XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX '' ( appraised at {$68000.00} ) to be foreclosed on and relocated from XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX to an unknown location in XXXX XXXXXXXX XXXX 

Neither XXXX XXXX XXXX, clients, successors, entities, or persons held any lien security interest against my property. To shorten a long story, XXXX XXXX XXXX failed to pursue due diligence and improperly foreclosed on my Homestead under the impression that my Homestead belonged to another person. 
" On or about XXXX XXXX, Attorney XXXX XXXX XXXX confirmed to both XXXX Police XXXX XXXX XXXX, and myself that I would be financially compensated for the financial injury they committed towards my family homestead. 

Its been over XXXX months and I have yet to receive any compensation whatsoever, and now they are avoiding responding to me. 

Through open records request, I also discovered that XXXX XXXX XXXX and its clients failed to obtain any building permits and TxDMV single trip moving permits as is required by law to relocate my Homestead Property. The permit violations alone carry a {$2000.00} dollar a day fine from February till today, and the fines continue until XXXX XXXX XXXX and its successors cure the permit violations. To date and counting the XXXX XXXX XXXX will owe XXXXXXXX XXXX XXXX {$320000.00} in fines, notwithstanding the injuries owed to myself and my family. 

My XXXX just XXXX of XXXX and the funeral bill nearly bankrupted me. I've also had to move my XXXX and XXXX XXXX  out of a very hostile environment. 
I am taking on extra debt and times are too hard for XXXX XXXX XXXX to do ignore its responsibilities to everyday working families. 

XXXX XXXX Officials have informed me that XXXX XXXX XXXX CAN NOT DELIVER MY HOMESTEAD BACK TO XXXX AS DOING SO WOULD VIOLATE XXXX XXXX LAWS ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...... SO WHAT OTHER CHOICE DO THEY HAVE BUT TO COMPENSATE ME AS THEY CONFIRMED THEY WOULD TO XXXXXXXX XXXX  XXXX XXXX XXXX AND MYSELF NEARLY XXXX MONTHS AGO? 

I am in the process of trying to find a new homestead  for my family, and having to take on debt that I wouldn't otherwise have had to take had XXXX XXXX XXXX not illegally foreclosed my home in the first place. 
In XXXX name please help.
Product: Mortgage

I have multiple complaints. 
1. My husband and I became unemployed in XXXX and applied for a Special Forbearance we were approved and was told we had to make payments of XXXX my question is if we were unemployed how do we pay XXXX a month? I maxed out my student loans just to make the payments up until XXXX because school ended in XXXX I could not get any more funds. I thought when I got my taxes I would pay past due and then continue to make payments. However, my taxes were delayed 3 months due to marketplace insurance. In XXXX we received a letter denying the Special Forbearance and was told we did not qualify for any other programs. I was told by the XXXX Georgia rep this month that if we were unemployed we should not have been required to pay anything. Now I am in default with my student loans. 
2. I received advertisement that my house has a foreclosure sale date of XXXX XXXX, XXXX. I did not receive any default paperwork nor did I receive notification of any kind pertaining to the sale. I received a letter from an attorney that my house was in foreclosure dated XXXX XXXX. At which time I contacted Bank of America to start the process for a loan modification at which time the representative should have disclosed the sale date to me. I tried applying sooner but was told that we did not qualify for any programs. I tried applying when my job started working in XXXX and was told that I had to have 30 days of paystubs in order to apply. I called Bank of America after getting flooded with advertisements. to inquire why I did n't receive any notice regarding the sale date the rep said that a notice dated XXXX XXXX, XXXX was mailed indication default and foreclosure status. The issue that I have is that my loan was modified and bought current in XXXX at what point is the foreclosure status removed? I should have not been blindsided new notification should have been sent to me. 
3. Bank of America will not release {$3000.00} of funds paid by my Homeowners Insurance Policy for my roof a year ago. They are requiring a roof company to fix the roof and we can not afford the deductible and the roof companies will not do it for less. I have someone that will repair the roof but BOA will not release the funds
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan was sold by XXXX and is now being serviced by Shellpoint Mortgage and the loan number is XXXX. Shellpoint has been servicing my loan since XX/XX/XXXX and I have never been late and always early on my payments. I have contacted shellpoint on XX/XX/XXXX and requested that they report to all credit companies as my home loan is 60 % paid and it would have a big impact on my credit scores. I spoke to XXXX XXXX XXXX and he said he would take care of it. He said it would take a couple weeks and it would show up. On XXXX XXXX I contacted XXXX and told him that it never showed up. then on XXXX XXXX I contacted a XXXX XXXX XXXX and explained the problem and she said she would sent it out asap and it should show up in a couple of weeks. This has been going on since XX/XX/XXXXand I have no one to help me. Hope you have better luck than I have had, Thank you XXXX XXXXXXXX XXXX email : XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have made three attempts to cash checks issued to me by XXXXXXXX XXXX drawn on a Bank of America account. The most recent attempts were done this Saturday, XX/XX/2019, I took a check drawn on a Bank of America account issued by my insurance company to my name and the name of my trust. I visited two separate Bank of America branch is one located in XXXX XXXX California on XXXX XXXX the second located in XXXX California on I visited two separate Bank of America branches one located in XXXX XXXX California on XXXX XXXX the second located in XXXX California on XXXX XXXX. Although, I presented my personal ID, my California drivers license, and gave them a copy of the trust itself which is in my name. neither branch would not honor the check unless I deposited it into an account at their branch and created new trust account with them. I explained to them I was not required to have a trust account as it was a personal trust dealing only with my home, however they still insisted that I would have to open an account with them to deposit the check and they would not cash it.
Product: Mortgage

I received a call from my insurance letting me know that they received a call from my mortgage company Nationstar Mortgage - Mr. Cooper, asking if my insurance policy was still active. The insurance company called me and informed me that my policy was cancelled XX/XX/2022 for lack of payment. As my insurance payment is included in my escrow account, this means the mortgage company failed to comply with XXXX Timely escrow payments and treatment of escrow account balances. The last payment they made to my insurance company was in XXXX of XXXX. 
This is the second time my home insurance has been cancelled with Nationstar as my mortgage company. I am horrified to find out that my family and I have had no home insurance for a year. Living in California I have experienced many earthquakes and live close to some devastating fires. Without insurance, my family and I would have lost everything because of their negligence. I am extremely concerned that this will happen again and my home owners insurance will lapse again. 
This is unacceptable and incredibly stressful. 
I tried contacting them today, but was put on a message loop and was unable to speak to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/23 tried to get a refinance loan with XXXX XXXX XXXX, they said I had no credit history with Experian. 
XX/XX/23 pulled my credit report with experian it showed I had credit history with a score of XXXX XX/XX/23 called bank to check said nothing was fixed XX/XX/23 pulled credit report with Experian and my score dropped XXXX points and I had no credit history XX/XX/23 tried calling experian with 3 different numbers and they just want to sell me something I dont want. Absolutely no one will explain or set things right XX/XX/23 pulled credit reports with XXXX XXXX score of XXXX and all my accounts are up to date I am frustrated I work hard to pay my bills and usually I wouldnt care but now its a matter of principle I WANT THIS FIXED
Product: Credit reporting or other personal consumer reports

I am writing again to follow up on my previous dispute regarding inaccurate information on my credit report. Despite my prior request, I have yet to receive a meaningful response, and the erroneous reporting remains uncorrected. The continued presence of these inaccuracies constitutes noncompliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and requires immediate resolution. Failure to Adhere to FCRA Standards It is deeply concerning that these errors remain unresolved, calling into question the thoroughness of your reinvestigation. Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed items. Given the lack of corrective action, I am requesting clarification on the following : 1.Verification Procedures : What specific steps did Experian take to verify the disputed information? 
Did the furnishers provide documented proof to substantiate their reporting? 

2.FCRA Compliance : The FCRA requires consumer reporting agencies to ensure maximum possible accuracy. Why is demonstrably false information still on my report? 

3.Deficiency in Investigation : The persistence of these errors suggests that Experian is relying on creditor-furnished data without proper verification. How does your bureau ensure compliance with investigative obligations under XXXX XXXX XXXX XXXX XXXX XXXX XXXX and related case law? 

Immediate Corrective Actions Required To resolve these inaccuracies, I demand the following actions : Immediate Removal of Erroneous Information All incorrectly reported bankruptcies and late payments must be deleted from my credit report. 
Disclosure of Investigation Findings Provide a detailed, written explanation of the methodology and criteria used in the reinvestigation process. 
Written Confirmation of Corrections Issue formal confirmation upon the successful correction of my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Disputed information several times explaining I am a victim of identity theftand asked to remove this from file credit file. I am asking to validate debt by providing me with PROOF of original signed document I am demanding this Account BE DELETED IMMEDIATELY!!!!
Product: Student loan

My daughter refinanced her XXXX XXXX Student Loan with Earnest with a loan approval date of XX/XX/2020. Earnest was supposed to payoff XXXX XXXX by XX/XX/2020. 

On XXXX XXXX she received notice from XXXX  XXXX  that she was in arrears on the loan. She inquired with Earnest via phone found that Earnest had a batch of checks that did not clear the bank and had to be resubmitted. Ernest had not contacted her about this delay. Previously they had told her that her XXXX XXXX  loans had been paid. Her accounts with Earnest reflected that everything had been paid and disbursed to XXXX  XXXX.

On XX/XX/XXXX she received notice from XXXX XXXX that Earnest still had not received a payoff from Earnest and that I was 60 days in arears on the loan. To this day, Ernest has not contacted XXXX XXXX to take responsibility for the error. This is now affecting both her and my credit score ( as her co-signer ). 

Although Earnest paid XXXX XXXX as of XX/XX/2020, my credit score has not changed. I am respectfully requesting that you investigate Earnest and 1 ) request they contact XXXX XXXX Education Financial Services and take responsibility for the lateness of the payment and payoff, and 2 ) instruct earnest to request XXXX XXXX request a rapid rescoring of XXXX and my credit with each of the three credit bureaus. 

Please note that this new dispute relates to closed CPFB Cases XXXX and XXXX. 

XXXX XXXX Student Loan # XXXX XXXX XXXX Case Numbers XXXX and XXXX Earnest Request Number # XXXX
Product: Credit reporting or other personal consumer reports

My accounts 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 to be removed/updated. 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 XXXX 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 XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  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!
Product: Debt collection

I have received several calls from Prosper before XXXX XXXX in their attempt to collect a debt. I spoke to them about calling me before XXXX XXXX  and they said that they would address it, but they continue to call before XXXX XXXX, ( see screenshots of their calls attached ). 
I also requested to take advantage of the hardship settlement program and the lady who was helping me got all the way to the end of the process and then the call was disconnected. Ever since then, they continue to call and when I answer, no one is there. 
They called me three times today once before XXXX XXXX, the XXXX times that I did answer their calls today, no one was on the line. This is harassment, to keep calling my number and then not have anyone on the line.

The one call that you see the screenshot of that lasted 25 minutes was when I told them that they had been calling me outside of acceptable times and that was also call when they attempted to set me up on the hardship settlement program.