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

16 months on time never late payments to XXXX they took away and saying it needs more time to add back according to there OWN WEBSITE clearly this is a scam and fraud to keep my score low to push loans and credit cards
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my credit report that I have attempted to get removed from my credit report on several occasions to no resolution. As well as disputing these inquiries on my credit report. 

List of inquiries : OneMain Financial : XX/XX/2020 XXXX  : XX/XX/2020 XXXX XXXX XXXX : XX/XX/2020 XXXX  XXXX XXXX  : XX/XX/2020 XXXX  XXXX XXXX  XXXX  : XX/XX/2020 XXXX XXXX of XXXX : XX/XX/2020 XXXX  : XX/XX/2020
Product: Vehicle loan or lease

I have sold my XXXX XXXX XXXX vehicle to XXXX XXXX XXXX XXXX XXXX, I notified the lien holder Bank of the West prior to selling the vehicle and got a 10 day payoff. The vehicle was sold and I notified Bank of the West the final payoff was forthcoming from XXXX XXXX XXXX XXXX XXXX. Bank of the West informed me that due to Covid-19 they are taking a week to 10 day to process payoffs once the funds are received from the dealership and if I did not make a payment they would report me to the credit bureau. I asked the rep from Bank of the West several times that even though Bank of the West received the full pay off prior to the payment being 30 days past due and because of the payment processing times at Bank of the West being 7 to 10 days due to Covid-19, I would be still be reported late to the credit bureau 's, the rep said yes. I requested to speak to a supervisor and was told that she could not transfer me to a supervisor because they were all working from home and that she would message her supervisor. The supervisor replied via messaging and again reiterated that they were going to report me to the credit bureau. 
I requested if I could have a 10 to 15 day extension on the payment date, so the sales transaction could be processed from the dealership where I sold the vehicle and due to the 7 to 10 days to processing time Bank of the West needs to post the payoff due to Covid-19 and was told NO! 

I then followed up with Bank of the West again today XX/XX/XXXX to see if they had received the payoff from XXXX XXXX XXXX, the rep on the phone said they did not see it but it is takin 7 to 10 days to process payments, I asked again for a 15 day extension so they could process the pay off and was told No. I asked to speak to a supervisor and he again confirmed that Bank of the West would report me late to the credit bureau if I did not make a payment to them by the 14th, he also confirmed that it is taking their payment processing center 7 to 10 days to process pay offs due to Covid-19. I again asked for an extension and he said not an option and said I make the payment or get reported late to the credit bureau. 

Bank of the West is harming consumers during this pandemic due to their slow transaction processing of payments because of their modified working environment. All of the people I have spoken to have all been working from home themselves yet they still are using intimidating collection activities to try and get additional monies out of consumers while they take an extended time to process pay offs of their loans. I have worked very hard on my credit and this organization has been very intimidating to me in their collection practices. I feel they are acting unfairly and I will be harmed by them for their 7 to 10 day delay in processing the pay off of my vehicle. Although they are all working from home they seem to be clueless to the impact that covid-19 has had on the day to day to day functions of the consumers they serve.
Product: Mortgage

good evening, I started the applications process back on XXXX/XXXX. I uploaded every document that XXXX XXXX needed to start my application process. I once had a case worker, that was extremely hard to reach. I attempted to contact her via email, calls, messaging center, etc. Come XXXX i no longer had anyone working in my case. I would call once or twice a week to see the progress for my application. Each person ive spoke with stated that they would send the requested documents over to XXXX XXXX, but would never do so. My application has been stuck in the 3rd process since XXXX! I reached out to everyone that i possibly could along with my new mortgage holder ( freedom mortgage ). they recently purchased my home loan back in XXXX. I have attempted to call, email, and reach out the the messaging center but nobody will respond. I eventually got in touch with someone named XXXX, but he was little to no help and would also not respond. At XXXX every morning, their phone lines are busy and nobody would answer. your call is then place on a callback, in which would result in nobody calling you back. Myself and my children will lose everything in the hands of a program that was meant to XXXX families in need. Freedom mortgage has a reached out and of course, nobody would contact them back this is very very stressful as i have applied eight months ago and my application is constantly shoved off, nobody helps me, i spend hours a day attempting to move the process along, all for nothing. Im in desperate need of someone to help me. Freedom mortgage also sat on the phone with me for over an hour in attempt to speak to someone at XXXX XXXX, but of course nobody answers and nobody calls back.
Product: Payday loan, title loan, or personal loan

I Obtained a title loan from the XXXX XXXX XXXX XXXX {$6100.00} in XX/XX/XXXX. I fe ; ; behind on payments because of lost of income and made arrangements to pay less. In XXXX covid pandemic stay at home were in place and I struggled more. I made small good faith payments and called the store about my situation. I was told Titlemax was closing XXXX  stores and they did not know what would happen and I would receive info by mail. I never did, In XXXX logged in to make a small payment but the loan information showed 0. I thought it was temporary. I called a the XX/XX/XXXX at XXXX pm ( I have phone records ) XXXX  customer service to find out my options and request some time to pay. I spoke with XXXX she said XXXX  was not repossessing and they would keep my title until I paid the charge off amount. She also said they might consider a settlement. I confirmed my mailing address and told her I need help until XXXX. They did not have options. They are claiming they did not receive the call but my notes and phone bill are proof. I have pais approx. {$3000.00} in payments. My car was repossessed without warning XX/XX/XXXX at XXXX XXXX, I called the police because I was unaware. Title max did not follow procedure to charge off or repossess. They did not communicate because they were in transition and did not have the staff to follow protocol. XX/XX/XXXX I spoke to XXXX in restitution department. He said they would not offer reinstatement only a settlement. I told him it was XXXX  Law to offer reinstatement. He said not. He offered a settlement of {$7000.00} due by XXXX XXXX or the car will be sold XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

I never Realized that I was Giving 5he Bank the right to Deduct {$30.00} a Month for YEARS on my deposit. I never had money before. This was a substantial amount from my mom 's estate which never came to her when Alive! Well over {$180000.00} which I believed would be there for later years Earning Interest! It was there for my children and a few seldom charges. I Told them it was Not my daily bank. It was to sit, to be There! I have nothing now. I am Scared. I feel I was robbed. I want Restitution of my Money!
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered 3 credit reports on XX/XX/18 from annual credit report. XXXX amd XXXX reports were complete and available to view online. The Equifax report I received was someone elses report not related to me at all. This was NOT a mixed or merged file, I was sent a 62 page report with confidential information on it with someone elses name and personal information. 

I called Equifax and reported this twice. I was told We are sorry for the inconvenience. I am concerned about the breach in security and wonder what happened to my report. 

Please see file attached with the wrong report received. 

Equifax has been non responsive. I have also reported this to XXXX XXXX XXXX  via their online contact form.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX J # XXXX XXXX, Tx XXXX XXXX ( XXXX ) XXXX XX/XX/year> To : Credit Reporting Agency Subject : Formal Request for Deletion of Unverifiable Debt Compliance with FCRA Dear Sir/Madam, I am writing to formally request the immediate deletion of an unverifiable XXXX XXXX collection account that was previously reported on my credit report on Equifax. I recently disputed this account with XXXX, and after their investigation, the account was deleted from my credit report as of XX/XX/year>. Because XXXX has completely deleted this account, this serves as proof that the account is unverifiable and must be removed from my credit report with your agency as well. Under the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ), credit reporting agencies are required to delete any information that can not be verified or is found to be inaccurate. Since XXXX has removed the account after their investigation, it is now considered unverifiable and must be removed from all other credit reports immediately. 
Additionally, under FCRXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), data furnishers must not report information that has been disputed and found to be inaccurate or unverifiable. If this account remains on my report, despite being removed by another major credit bureau, it constitutes a violation of my consumer rights. 
I am formally requesting that your agency delete this account from my credit report within 30 days or less, as required by FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Failure to comply with this request may result in legal action, as I have the right to pursue damages under FCRA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for willful or negligent noncompliance. 
Please provide written confirmation of the deletion or an updated copy of my credit report once the account has been removed. If you choose not to delete this unverifiable account, please provide me with a detailed explanation of your decision, including the method used to verify the account, within the required timeframe. 
I appreciate your prompt attention to this matter and expect a resolution within the legally mandated timeframe.
Product: Debt collection

Upstart XXXX XXXX called me multiple days in a row harassing me to collect a payment. My account has never missed a payment, never been late, and I had already scheduled a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFFIRM INC REPORTED 4 LATE PAYMENTS WHILE I WAS XXXX  AND XXXX XXXX XXXX XXXX XXXX, MY RECOVERY TOOK XXXX WEEKS AND I WAS NOT CALLED NOR GIVEN THE OPPORTUNITY TO BRING THE ACCOUNT CURRENT. DUE TO MY HOSPITALIATION I WAS UNABLE TO COMMUNICATE. 

AFFIRM ACCOUNT # XXXX DATE REPORTED : XX/XX/2022 AFFIRM ACCOUNT # XXXX DATE REPORTED XX/XX/2022 AFFIRM ACCOUNT # XXXX  DATE REPORTED XX/XX/2022 AFFIRM ACCOUNT # XXXX DATE REPORTED XX/XX/2022 I WAS ALSO NOT INFORMED THAT THESE ACCOUNTS WAS EVERY REPORTED TO THE CREDIT BUREAU PRIOR TO ANY LATE REPORTING, THERE WAS NEVER ANY INTENT FOR THIS COMPANY TO EVER REPORT ANY OF MY PRIOR ACCOUNTS TO THE CREDIT BUREAU. I HAVE HAD 5 OR MORE OTHER ACCOUNTS THAT WERE OPEN AND PAID BUT NEVER REPORTED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX is reporting a bankruptcy on my credit report and they have put in that the data furnisher is the us bankruptcy court of Texas which is false I have attached a letter from the us bankruptcy court of Texas verifying and stating that they do not furnish information to the credit bureaus or any credit monitoring service nor they they verify and validate any information concerning bankruptcies. Transunion and XXXX is falsely stating this information on my credit report and refuse to remove this information from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously complained to Equifax about a fraudulent/erroneous address of XXXX XXXX XXXX appearing on my credit report. XXXX refused to remove it by simply ignoring my complaint. On XX/XX/2019, I submitted a complaint to the CFPB concerning this fraudulent/erroneous address of XXXX XXXX  XXXX and Equifax responded on XX/XX/2019 by stating that the address of XXXX XXXX XXXX had been DELETED ... ..Equifax LIED ... .They NEVER DELETED the fraudulent/erroneous address of XXXX XXXX XXXX and the address IS STILL ON MY CREDIT REPORT. Is there any way to insure that this fraudulent/ erroneous address of XXXX XXXX XXXX is PERMANENTLY removed?
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with 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 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 reporting or other personal consumer reports

My account with DEPT OF EDUCATIONXXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported 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. DEPT OF EDUCATIONXXXX 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 reporting or other personal consumer reports

RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE.

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was in the process of opening a savings account with XXXX XXXX XXXX XXXX and was informed of a previous account with them from 6 years ago ( XXXX ), the status of which is outstanding. 

I was referred to a company by the name of Bonneville Collections. 

Please consider this a formal Qualified Written Request ( QWR ) to Bonneville Collections ( BC ) for a full and complete account transaction history along with a transaction code guide, a copy of all Transfer of Ownership/Service Transfer/Charge-Off documentation ( I do not recall recieving this ), copies of all Monthly Statements, and copies of any County-recorded lien documentation as well as copies of all legal notices provided to me regarding said lien-documentation. 
Please also include a current Payoff Quote with interest, principle, and fees itemized ; in addition, all Collection Notification and/or Settlement Offers sent to me. 


BC, I intend to work with you to settle this account as soon as possible. 
I understand you have 30-days to respond, and that you will likely recieve this dispute forwarded to you by the CFPB on Monday XXXX/XXXX/XXXX. As it is a business standard to respond to regulatory disputes within 15-days, I expect my dispute to be forwarded to ( and handled by ) your Executive Response Team within the appropriate time frame.
Product: Mortgage

In XX/XX/XXXX, Dovenmuehle Mortgage Inc took over as the servicer of our mortgage. 
In XX/XX/XXXX, the Analysis of the upcoming tax year was performed on the Escrow Account for our mortgage loan. Due to a " glitch '' in the system ( as described by the Customer Service Representative on XX/XX/XXXX ), the monthly Escrow Payments increased from {$120.00} to {$1000.00}. The increase in the Escrow payment would take effect on the XX/XX/XXXX payment. In midXXXX, there was another Analysis performed and it was determined that a glitch occurred in Dovenmuehle 's computer system and increased the monthly Escrow payment in error. 

We are told that due to regulatory requirements, reverting the monthly Escrow payment amount back to the original amount can not take place until XX/XX/XXXX and once the account is current. At this point, the total mortgage payment due for XXXX and XXXX is a total of {$3200.00} ( {$1600.00} per month, of which {$1000.00} per month would be allocated to the Escrow account ), which is {$1800.00} greater than what it would have been if there had been no computer " glitch ''. We are told that we must pay this higher amount for XXXX and XXXX, and then we would receive a check the following month refunding the surplus in the Escrow account. 

At this point, we were informed that your company would not accept anything but a full payment of {$1600.00} for XXXX and XXXX each. We do not have extra funds to pay this erroneous amount, regardless if we will be repaid the " surplus '' at a later date. It is unacceptable that we as consumers are adversely impacted due to a computer " glitch '' on Dovenmuehle 's part.

Additionally, Dovenmuehle did not pay our XXXX XXXX tax payment from our Escrow account ( which had sufficient funds ), which was due by XX/XX/XXXX. In XX/XX/XXXX, Dovenmuehle was informed by the XXXX XXXX XXXX that the taxes had not been paid and there would be a late fee. Dovenmuehle paid the late tax amount in XX/XX/XXXX. There is still an outstanding amount of {$75.00} for the late fee, which caused the tax collector to place a lien on my property. Dovenmuehle also reported a late payment for XXXX to the credit bureaus in the amount of {$780.00}. We have never owed Dovenmuehle this amount. 

Our previous servicer did not properly allocate excess funds we paid when we were late making mortgage payments to the late fee incurred, but rather allocated the excess to the Principal balance. As such, we now " owe '' {$560.00} in late fees when we have overpaid our mortgage by {$600.00}. Dovenmuehle has taken over these late payments, therefore they need to properly reallocate the {$560.00} from the Principal balance to the late fees. 

Each time we contact our actual lender, XXXX XXXX XXXX ( in New Hampshire ), they refer us back to Dovenmuehle without hearing our complaint. At this point, XXXX XXXX XXXX is not properly managing their third party relationship with Dovenmuehle either.