23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had contacted FirsTech numerous times requesting them to update my credit and payment information with regard to my loan which was brought to current since XX/XX/2020. Yet as of today, the information has not yet been corrected and i had to finally to escalate the issue in person at one of their locations and was told " it will be taken care of '', which they had said to me many times in the past. 

This has causing the delay in my refi with another lender and having them questioning me for the loan status which shouldnt have been an issue had First Tech did their job at the first place.
Product: Credit reporting

I submitted over 2 months ago an original statement of Identity theft affidavit which was notarized, XXXX of the XXXX bureau 's refused to do anything without their being a police report submitted as well. Therefore I went and filed a police report and sent the FTC identity theft affidavit a XXXX time ( certified mail to all XXXX bureau 's ) XXXX made me fill out there own form claiming that they did n't accept the FTC affidavit, and it looks like they removed stuff from my credit report but did n't block it. Equifax has come to me requesting further proof of identity ( the exact same thing was in my both of my affidavit mailings a copy of my state issued ID and social security card, this is just stalling ) and XXXX sent me a letter that they have already verified ( thats right they " verified '' fraudulent information ) and wo n't investigate again unless I submit more evidence, as if the police report was n't enough! I called the FTC in XXXX and they told me with the police report all XXXX bureau 's should have removed the information by blocking and notified the companies within XXXX business days according to FCRA! therefore I am filing this dispute because I am tired of their XXXX, I hired an online credit attorney which got me nowhere, i worked with the FTC, it got me nowhere, I filed a police report, their run-around is absolutely criminal the way they are ruining my life rather than properly removing this information! The companies I contacted asked the information be removed themselves ( XXXX and XXXX ) because they noted it was fraudulent on their investigations, there is no reason at all the bureau 's should doubt my claim and it is a smack in the face that they claim to have verified it!
Product: Credit reporting or other personal consumer reports

Credit agencies, collection companies, all expected to supply accurate information in a timely fashion. there should be no reason why information taking longer than 30 days should be acceptable. Legally 30 days is the legal timeframe. there simply needs to be an agency that actually holds these companies accountable. the following cases should be removed from my credit report. ( XXXX XXXX XXXX XXXX / Act. # XXXX ) and following CFPB Disputes : XXXX XXXX XXXX XXXX
Product: Mortgage

Disappointment regarding the denial of my recent mortgage loan application with your institution. I believe that the denial decision may be in violation of certain federal laws, including but not limited to 1961 and 12 USC 1431. 

**Reasons for Denial** : I received a notice stating that my mortgage loan application was denied, yet the communication did not provide sufficient information about the specific reasons for this As a consumer, I have the right to know the exact factors that contributed to this decision, pursuant to federal laws. 

These laws require transparency in the lending process and mandate that financial institutions provide clear and specific reasons for loan denial to the applicant. 

In light of the aforementioned legal references, I am formally requesting that Bank of America provides me with a detailed and written explanation of the factors that led to the denial of my mortgage loan application. This information is crucial for my understanding and is essential for ensuring compliance with federal laws. 

I am prepared to take any necessary steps to rectify this situation and protect my rights as a consumer. If the denial decision is based on inaccurate or incomplete information, I would appreciate the opportunity to provide additional documentation or clarification to support my application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian and XXXX million times. I just want them to delete the disputes I filed months ago and they just updated for me. Every time I call they ask me If I want to apply to a mortgage loan and they do like an interview. I just want to fix my credit. I started to make settlements and payments to my credit cards and I just want them to delete the disputes so yes my credit finally can get better. Of course I want to have a house, I want to have a life and it looked like they don't want to help me. I was a XXXX XXXX XXXX an I can prove that and at the end of school my financial situation got really bad. I was doing XXXX XXXX I didn't work for a while because I couldn't. Now I am a professional, I want fix things and XXXX and Experian don't want to help me.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year> Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Submitted On Time : My payments were submitted before the due date, as indicated by my bank statements and payment confirmations, which show that the payment was processed well in advance of the due date. There is no valid reason for this payment to be recorded as late. 
System Error at XXXX XXXX : XXXX XXXX experienced a system error during the payment processing period, which delayed the application of my payment. This error was acknowledged by their customer service team, and I have attached email correspondence from XXXX XXXX confirming this issue. 
Inconsistent Reporting Across Credit Bureaus : The late payment was reported by all three bureaus, but the dates and details vary across the reports, creating inconsistencies. This suggests that an error occurred in transmitting the payment information, as my payment history should be uniform and accurate across all credit bureaus. I have attached copies of the discrepancies in my credit reports for reference. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Experian Credit Report Shows my XXXX XXXX XXXX late 18xs Cant be account settled and paid in full If anything should only show once Charge off But still should show Account Paid settled
Product: Credit reporting, credit repair services, or other personal consumer reports

Allegedly I opened a XXXX credit card account on XX/XX/XXXX. Both the date ( being exactly XX/XX/XXXX ) and the opening balance ( Only {$6.00} ) are suspicious. I did shop at XXXX on or around this time ; however, I did not knowingly open a new credit card. Furthermore, I have never received a physical card or any other information related to this account. I have never activated such card or used it for any purchases. 

After seeing this negatively impact my credit report, I contacted the merchant directly in XX/XX/XXXX to resolve. I even tried to pay the alleged {$6.00} at that time and was told I could not pay b/c the account was closed. Apart from this incident, I have a stellar credit history and a great income, so paying a {$6.00} balance would never have been an issue for me. However, my only option then was to trust the merchant that this had been resolved. 

I even disputed this account with all 3 credit bureaus at that time. Until last month, all 3 had marked the account as closed. I monitor my credit through XXXX XXXX which shows the account as closed ( screenshot attached ). However, today ( XX/XX/XXXX ), I was declined by XXXX credit for a student loan refinancing opportunity due to a negative account. After looking at my XXXX XXXX report, there we're no negative accounts to speak of and my scores we're excellent : XXXX for Transunion and XXXX for XXXX. Noticing that XXXX  was missing, I went directly to XXXX 's website to discover the issue and that's when I saw the negative item from XXXX. 

It appears that the merchant, XXXX, re-opened this closed account as of last month and reported negative history to the credit agencies. The merchant 's neglect in this case has now caused me damage in the area of falsified negative credit reporting resulting in a loss of student loan refinancing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian on several ocassions knowingly reported inaccurate and false information on my Experian credit report..On XX/XX/2021. Experian responded to the XXXX the XXXX XXXX Bank account XXXX is not being reported on my Experian credit report. However on XXXX 2021 i receiced a copy of my Experian Credit report file # XXXX that reported this illegal information on my credit file. ( see enclosed CFPB complaint and the Experian Credit report. This a clear violation of the FCRA 611 A ( 1 ) A Re investigation of Disputed.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX : XXXXXXXXXXXX XX/XX/XXXX/2015CitiMortgageConsumer Complaint DivisionTo whom it may concern, Re : XXXX XXXX/XXXX/2015, I was told a by the property damages dept. at CitiMortgage that the insurance check my wife and I paid over sixty dollars to mail overnight would be sent back to us on XXXX/XXXX/15. That was erroneous information. Unfortunately, due to the negligence of that it has cause extreme emotional distress because we are displaced. I am disappointed because had that been explain the XXXX time this would not have been a problem. Since the correct information was not disclosed clearly and was misrepresented. It has cost us more damages. 
To resolve the problem, I would appreciate your not only the check and fees associated we would like to be compensated fifteen thousand dollars. I will enclosed copies of my records in the fax number provide. 
I look forward to your reply and a resolution to my problem and will wait until XXXX/XXXX/2015 before seeking help from a consumer protection agency, the media, my insurance company, arbitration, the Better Business Bureau or any other legal action. Please contact me at the above address or by phone at. 


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

Investigation Request Letter To whom It may concern : I received a copy of my credit report with the fact of trying to improve my credit score and take care of it. I noticed a multiple mistakes with the accounts and late payments on that. I just realized that the information across all three Credit Bureaus are wrong ( XXXX, XXXX, Equifax ). They are not accurate with my personal information. I also read something about the Fair Credit Reporting Act where it said by law, I had to right to challenge anything I am not sure is accurate.

I am familiar with 15 U.S. Code 1679 " I have a right to dispute inaccurate information in your credit report ''. Since all three bureaus giving me incorrect information, I want these accounts to updated as POSITIVE. Please investigate the following accounts and update them as POSITIVE.

Please verify the following accounts and changed them as POSITIVE 1 ) XXXX  XXXX Account number : XXXX - Please update as POSITIVE 2 ) XXXX XXXX XXXX XXXX Account number : XXXX - Please update as POSITIVE XXXX ) XXXX ( closed ) Account number : XXXX - Please Update as Positive I will also provide proofs and screenshots of my credit reports from all three bureaus ( XXXX, Equifax and XXXX ) and you can clearly see that information across three bureaus doesn't match.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a critical issue regarding identity theft that has significantly impacted my credit report and personal well-being. In XX/XX/XXXX, I discovered several accounts were opened in my name without my consent or knowledge. After numerous disputes with consumer agencies, I filed an Identity Theft Police Report in XX/XX/XXXX and successfully resolved most of these issues. However, one account, " XXXX XXXX, '' remains on my credit report. 

This situation constitutes multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically : Violation of Permissible Purpose ( 15 USC 1681b ( 2 ) ), Violation of Block of Information Resulting from Identity Theft ( 15 USC 1681c-2 ), Violation of Civil Liability for Willful Noncompliance ( 15 USC 1681n ), Violation of Civil Liability for Negligent Noncompliance ( 15 USC 1681o ), Violation of Maximum Possible Accuracy ( 15 USC 1681e ( b ) ), Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ), Failure to Correct or Delete Inaccurate, Incomplete, or Unverifiable Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ). 

I request that you initiate a thorough investigation into this matter and remove the erroneous account from my report within 4 business days of receiving this notice, in accordance with 15 USC 1681c-2. If this issue is not resolved promptly, I will have no choice but to seek legal recourse to protect my credit rating and personal rights. Please be aware that each FCRA violation carries a potential damage award of {$1000.00} should this issue be brought before the court. 

This ongoing situation has caused me considerable emotional distress and negatively affected my mental health. I urge you to address this matter urgently and provide a fair resolution.
Product: Debt collection

According to my credit report I have a balance due to Credence resource manage for {$620.00} however I have not been notified of this debt and I am not aware of whom XXXX XXXX is I would like to dispute this claim due to insufficient information regarding whom the debt is with. Also this debt if over 5 years old/
Product: Credit reporting or other personal consumer reports

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


Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account information was comprised by Equifax during the data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company charged me for services that I did not receive and they have not answered my request for correction not have I been able to contact them
Product: Checking or savings account

On XX/XX/2022, I deposited a large escrow settlement check drawn on a local reputable bank into my checking account via my local bank branches ATM. They didn't give me any portion of this check upon deposit or the next day. I called to see check on funds funds availability the next day, XX/XX/XXXX and the branch representative said the entire check would be available to me on the XXXX of XXXX. Well it's the XXXX of XXXX today and still not a single penny of this check is available to me.
Product: Debt collection

" If a consumer notifies a debt collector, that the consumer refuse to pay a debt, the debt collector must cease all communication ''
Product: Vehicle loan or lease

Car I have purchused has broken down mulitipul times, the transmission as gone out XXXX  times and has had to be replaced, cost of over {$10000.00} in labor and parts. I bought a lemon and have no recourse. I have tried to explain to ally, however they continue to report to my credit report as late. 

I have paid {$21000.00} in intrest on my loan.plus whats been paid in principle, {$14000.00} equals total paid thus far as {$36000.00} Whats left on my loan is {$37000.00}, the vehical is a XXXX XXXX suburba, this is preditory lending as all my payments have went to pay intrest, also being reported to my credit report as XXXX late payments. 

My APR is XXXX XXXX. My original loan amount was {$52000.00}. 
{$52000.00} x XXXX XXXX = {$6900.00} total purchused price is {$59000.00}. in XXXX once this is paid off I will have paid over {$73000.00}. this is preditory lending. 

All payments have been paid to intrest.
Product: Payday loan, title loan, or personal loan

I have met all of the min requirements as stated on the website but still get denied and noone can seem to tell me why.
Product: Debt collection

I'm requesting that Executive Leadership at Credit Acceptance Corp review this complaint and I'm seeking that an EL Team official respond to this issue. This Auto Loan account was opened XXXX XXXX, XXXX. The account was charged off and XXXX XXXX XXXX XXXX XXXX was the debt collector ( Exhibit Letter XXXX XXXX XX/XX/XXXX ) and the case was dismissed. The account has been charged off. A debt collector collected the debt and documented that the account has been satisfied paid in full. I requested through XXXX for the XXXX plus year old charged off debt paid in full to a debt collector be removed from XXXX, XXXX, and XXXX. Credit Acceptance Corp has did opposite of that and it is clear. How can this be explained that now I have a balance of XXXX from an XXXX plus year old account that was charge off for Credit Acceptance Corp tax purposes that was paid in full to the debt collector and I now have a balance of {$3900.00}, because I have filed numerous complaints with CFPB regarding this issue and requested through XXXX to have this item removed because it is affecting my XXXX score. I have been trying to resolved this issue to have this XXXX XXXX XXXX charge off debt paid in full removed from my credit file and now with this new information that I owe my XXXX score has decreased.
Product: Checking or savings account

I am writing to formally lodge a complaint regarding the delayed processing of my direct deposit. As of today, XX/XX/year>, I have not received my paycheck, which I know has been available to XXXX since Monday. This delay is not only frustrating but also unacceptable, especially when many of my co-workers, who bank with other institutions, received their paychecks on time. 

It is unreasonable and unfair that XXXX holds funds when they are clearly available. Payroll is meant to be consistent and reliable, and I expect my paycheck to be processed promptly, just as it has been for others. Holding onto my funds for no valid reason directly impacts my ability to pay bills and manage my financessomething no customer should have to experience. 

I urge XXXX to address this issue immediately and ensure that future direct deposits are processed in a timely manner. Delays like this should not happen, and customers like me should not bear the burden of inefficient processing systems. 

I look forward to your prompt response and a resolution to this matter. 


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Product: Credit reporting or other personal consumer reports

TransUnion and XXXX have both removed XXXX XXXX  accounts from my report of a balance of XXXX they both have removed the balance and remarks from company and its documented to place the accounts back on my reports with more remarks after being closed and removed to be reopened and placed back on my report with late payments which is directly in violation of consumer protection laws!
Product: Credit reporting or other personal consumer reports

I value your help in removing a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XXXX 2013 XXXX rental properties became vacant without notice from the tenants and breaking leases. Of course, they had to leave the property is total disrepair. Cash on hand was used to repair property for new leases. XXXX of the properties we were able to get current because the mortgage company complied with the terms of the mortgage to apply extra funds to the P & I XXXX and then late charges. However, Seterus will not comply with those terms even though I wrote them quoting the specifics of the mortgage terms. Their position is that it is their option as to how to apply extra funds. The loan could be in a current status and not accuring additional late charges if they would follow other loan servicers ' examples.
Product: Credit reporting, credit repair services, or other personal consumer reports

A 609 letter was sent out to Equifax, XXXX, and XXXX  on XX/XX/XXXX. Another letter for FAILURE TO RESPOND TO DELETION/CORRECTION LETTER was sent out on XX/XX/XXXX, to Equifax, XXXX, and XXXX.