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

Hi there, My name is XXXX XXXX, I am a XXXX XXXX and have three properties in XXXX XXXX. One primary residence and two rental properties.

One of the rentals was under renovation and another is being rented. 
My tenant got laid off during covid-19 lock down and was unable to pay the rent. 
I was mislead by many news in XXXX that missed payments would not be reported for 3 months not to damage credit. So I did not have enough funds in XXXX to pay the rental property since I did not get the rent from Tenant, so I pay balance for 2 months in XXXX thinking it won't damage my credit during pandemic. Next day I receive credit report of a 30 day late payment from XXXX XXXX XXXX that dropped my score by 100 points. 
I called XXXX very next day on XX/XX/XXXX of XXXX to ask for forgiveness and help me solve the problem. I explained the situation with misleading news. I explained them that I did not receive a payment for rental property and had to ask for payment assistance XXXX file attached ). Customer rep from XXXX submitted a request and told me I would receive a letter from XXXX next 20 days. She also advised to file a dispute with credit bureaus witch I did same day. 
I just received Experian dispute results and it still shows 30 day late payment. 
I received assistance check 1st days of XXXX but the payment was already late and due for 2 months now, so I paid for both months on XX/XX/XXXX. 
I have 2 accounts with XXXX and I paid my personal property on time but I did not have funds to cover the rental property. 
I also applied for Economic Injury Disaster Loan on XX/XX/XXXX because my business has hit very hard, I just received application pre approval on XX/XX/XXXX but still don't have funds. ( file also attached ) I believe businesses need to be more supportive during this pandemic, I am building a brand new building and we are finalizing the construction right now, we started construction in XXXX of XXXX, now I have to close on my SBA 504 loan next 30 days and my credit is in 600s. We are talking about XXXX loan and this is a massive impact for me right now. I did not let anyone in my team down and did not furlough any worker in my company to help them, now after paying their weekly income I am suffering the consequences. 
CFPB please help me remove 30 day late payment, I know I was late but not because I was careless. If I have to I could find XXXX news that mentioned that credit would not be affected during pandemic. 
Loan number with XXXX XXXX XXXX XXXX ( account was just refinanced ) Property address : XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX Experian report number : XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX AD ASTRA RECOVERY SERVIC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim my account was charged off {$500.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect a charged off debt.
DESIRED RESOLUTION What do you think would be a fair resolution to your issue?
Remove the debt from all three credit reports, show as paid.
Delete Charge Off Status.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX {$12000.00} : DATE OF SERVICE : XX/XX/2021. 
PROVIDER OF SERVICE : XXXX XXXX XXXX XXXX To Whom It May Concern : I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that under the FCRA 15 U.S.C 1681i, every single one even each, any or all unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide standards according to regulations. 
The FOLLOWING derogatory accounts allegations are either, UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW. The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : XXXX XXXX XXXX XXXX ACCOUNT # : XXXX By the provision of the Fair Credit Reporting Act and per the standards of the reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

They need to report my current student loan in its proper status. It has been placed on forebearance while I'm in Borrower Defense. I'm fairly certain that the servicer has sent them the information but they ignored it. Why I don't know. See attached and update the account appropriately.If I have to ask again, then a law suit will be filed. The account has been in forebearance for several years while a law suit in CA is being settled. Report it correctly or be sued.
Product: Credit reporting, credit repair services, or other personal consumer reports

reviewing the following accounts that appear on my credit report, which were reported without any authorization, is hurting me : XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX. 
Account Number : XXXX This is not mine. 

12. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX Account Number : XXXX This is not mine. 

16. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

17. Identity Theft XXXX/XXXX XXXX XXXX Account Number : XXXX This is not mine. 

18. Identity Theft XXXX Account Number : XXXX This is not mine. 

19. Identity Theft XXXX Account Number : XXXX This is not mine. 

20. Identity Theft XXXX  Account Number : XXXX This is not mine. 

21. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

22. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

23. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

24. Identity Theft XXXX Account Number : XXXX This is not mine. 

25. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

26. Identity Theft XXXX Account Number : XXXX This is not mine. 

27. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine.
Product: Checking or savings account

Previous complaint ... XXXX ... .fraud. 
XXXX XXXX, senior customer care specialist, US Bank XXXX XXXX Customer Service ... ..once again, I didn't file or authorize fraud on 2 transactions at XXXX XXXX XXXX ... XXXX XXXX and XXXX 2018, as I told you on our phone conservation, I didn't sign your form on these as I still have it. 
Your force close fee of XXXX ... .now you word as a charge of fee. 
Stop dancing, take responsibility of your employee errors. I am not responsible for this for this negative balance which now is a Recovery Branch, Department. I want immediate attention, and correction from you on your staff errors
Product: Credit reporting or other personal consumer reports

I have open accounts in my name that someone took out loans in my name that dropped my XXXX XXXX a lot. XXXX of them is called XXXXmariner finance LLC the amount is {$1500.00} date XXXX another XXXXXXXX XXXX XXXX XXXXhe amount of this is {$3000.00} the date XX/XX/year> next one is XXXX  that amount XXXX {$440.00} date XX/XX/year> I have identity theft on my taxes that Cant No one file these loans I never took out an the on record that I work an I never worked a day in life since a XXXX  an wrong spelling of my name I really need help disputing these on my Credit reports I been wit my Credit Union for XXXX never step outside of Banking with other banks an taking out XXXX
Product: Mortgage

I received the XXXX XXXX  dated XXXX XXXX. It was placed by Newrez d/b/a Shellpoint Mortgage Servicing on the account online in XX/XX/2023. This case was closed on XX/XX/2023, voluntarily dismissal with prejudice. The firm XXXX XXXX XXXX re-open the case on XXXX. An affidavit was filed and sent to them with no response. They had a hearing where I was not notified, and they decided to do a foreclosure sale on XX/XX/2023, in XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Account # XXXXXXXX XXXX XXXX XXXX, Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

Account XXXXXXXX XXXX XXXX XXXXXXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

Account XXXX XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

Accounts XXXX XXXX XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate Account XXXX XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate Account XXXX XXXXXXXX XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate Account XXXX XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate Account XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was notified through XXXX XXXX that there was a derogatory make on my credit. I pulled my credit report and it showed that Caliber Home Loans reported by mortgage 120 days past due. My mortgage with Caliber was placed in deferment because my husband and I were affected by COVID-19. Before my forbearance period was up my home sold and the loan was paid in full. I disputed this on the XXXX website. I am closing on my new home in 2 weeks and I can not have this false derogatory mark on my credit. This is a violation of the CARES ACT! I called Caliber home loans today XXXX and spoke to a teller who informed me it was reported to my credit this way because my loan was not " caught up '' before it was paid off. I asked to escalate the issue. I was then given to a " supervisor '' who then told me they did not report it to the credit bureau. I asked again to escalate the issue as time is of the essence because I am closing in 2 weeks and I can not have this on my credit. She refused to give me to anyone. She said it would be reviewed. Again, I explained my situation and was told there was nothing else she could do. I asked over 10 times to speak to someone in credit  reporting or servicing and my request was denied. I have no other choice but to file a complaint in hopes that I can get this violation of the CARES ACT resolved.
Product: Debt collection

On XX/XX/21 I received a judgement letter in the mail from Synchrony Bank for XXXX. Upon inspection, I realized this was a fraudulent account that someone opened in my name without me being aware. I immediately began the process of reporting identity theft and fraud with the three major credit bureaus, synchrony bank, and my insurance company. I also made a police report.
Product: Mortgage

In XX/XX/2023, I applied for an assumption due to a divorce, and the house was given to me solely with the understanding to refinance or assume the mortgage. I tried a couple of times, once with the previous mortgage company who then sold my loan, and XXXX  with Freedom Mortgage who told me I could not due to their rules. 
I spoke with my lawyer and she spoke with them telling them I could due to the fact I live in Maine. So I started the process again. Giving them everything needed and being told that It would take XXXX days for closing. 
They are continuously holding up the process by saying they need one thing or another, some I have already given multiple times. They said they were just waiting on the title company and then when I hadn't heard anything back and inquired they came up with the they needed this year 's information, the last XXXX years ' bank statements, my adoption subsidy because now my daughter turns XXXX and they say that they need XXXX years even though the State Of Maine provided letters for each child. 
It is XXXX hold up after another and we should've closed by now. I provided this year 's tax return showing my income went up from the previous one I provided. My credit score went up and I have been paying on the house without missing payments ( excluding Covid I had deferments. ) I am frustrated because now with all the information, they have my divorce decree and state they need a notarized letter from the courts stating I can assume the loan even though my divorce states the property was granted solely to me. 
I am a XXXX  XXXX  who is XXXX XXXX XXXX, working, and raising my kids. I feel like they are not upholding their commitment to the XXXX days due to if I refinance they would make more off the loan. I can not afford an 8 % interest rate and have the right to assume a loan that is and has been in my name. 
I am not sure where to go. With the current market, it is not feasible for me to sell as I am not able to find a home that would fit my budget and have to uproot my children. The one who is processing my loan has lost my paperwork and wants me to resubmit. 
I am frustrated and feeling hopeless.
Product: Credit reporting or other personal consumer reports

this company XXXX has violated the HIPAA law ( health insurance portability and accountability act of 1996 ). this company has yet to validate & verify the debts are questioned. i have sent various letters to these creditors and debt collectors but no one is complying with the FRCA law i have disputed with the credit bureaus XX/XX/XXXX they have responded with the debts being accurate however has not provided and release forms signed by me or even provided any documentation verifying the debts also, per 15 U.S.C 1681 there should not be any damages on my report it is a deflamation on my report.
Product: Debt collection

Money Key has contacted my family and employer. This is completely inappropriate and I have already told them in writing that they are not authorized to contact anybody other than myself about my business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX placed my account XXXX with Radius Global Solutions, LLC. Upon further research, this account was transferred/sold and I am no longer responsible for it. Debtors creditors did not verify this debt. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Checking or savings account

CFPB case : XXXX. 
Wells Fargo Case : XXXX Received response and this is absolutely insulting. I adamantly do not except an extension. This has been going on for 6 months now and 3 different officers from the executive branch have been delaying the outcome. Wells Fargo is trying to cover its tracks for inside fraud or negligence. They have such a flagrant disregard for customers financial protection and using the delay tactic to force the customer to give in and drop the issue. DO NOT ALLOW AN EXTENSION!
Product: Checking or savings account

i can not link my bank info to apply the grant from XXXX XXXX XXXX. i can not link it to XXXX
Product: Money transfer, virtual currency, or money service

Received XXXX XXXX forms from Block , Inc that had a total of XXXX total transactions all in the month of XXXX of 2024 with a total amount of {$6300.00}. 
I have never used cash app or block inc for any type of transactions, nor had an account setup. I asked them to freeze the account that was fraudulently opened under my name. 
They offered no help to stop the account and insisted I give them all my important information to begin to open an investigation. 
I asked to have them furnish proof of these transactions, and why they were processed in XXXX month and they couldnt give me any information. 
They stated they opened up an investigation, when asked about it and provided the case number given to me by them they have no records of it. 
They told me there isnt anything they can do and just submit information saying my social security was stolen. 
I called the IRS and filed forms stating these forms are fraud, also the social security XXXX and federal trade commission for stolen identity because I had no other choice. 
It appears they have already had a hefty lawsuit filed against them but the fraud is still not stopped because this has been happening to a lot of people just like me. 
Companies like this should be shut down for allowing things like this to continue to happen after they have already been sued for fraud.
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXXalance : {$1400.00}
Product: Credit reporting or other personal consumer reports

I opened up my XXXX XXXX by XXXX XXXX in XXXX of XXXX. I maintained an exceptional payment history never missing a payment, including during the coronavirus COVID pandemic. In XX/XX/XXXX I paid down the complete balance of my XXXX XXXX by XXXX XXXX to zero balance. Subsequently, I was told by XXXX XXXX XXXX that my account was closed. It should be noted that at this time I had no lates reported to the credit bureaus as I vigorously maintained an excellent credit history. 

I was Saddened that XXXX XXXX XXXX unilaterally closed my account, but I was relieved that the balance had been paid in full. When I inquired as to why my account was closed I was told that it was their decision and I was welcome to reapply for credit. 

It is very important to note that since the card was closed I no longer received notifications, alerts or had access to login after they unilaterally closed my account. On XX/XX/XXXX I get an alert from a credit bureau saying I was past due on my XXXX XXXX by XXXX XXXX, and that my XXXX XXXX has dropped by XXXX points. This is especially disheartening because I am in the process of purchasing my first home. 

As soon as I received the information from the credit bureau, I called XXXX XXXX XXXX XXXX and was informed that despite I paid the balance to XXXX and despite the account was closed there was accrued interest of {$100.00} due XXXX XXXX. They agreed that there was no way for me to be informed about the amount due. I further questioned why interest was due when I timely paid the balance in full. 

In addition, they told me that no attempt to alert me. Instead, they just reported incorrectly to credit bureaus. They agreed this was in error but now are refusing to remove the derogatory item from my credit report. I am not at serious risk of losing my home because of XXXX XXXX XXXX XXXX XXXX and inaccurate reporting to report to credit agencies. 

I feel this is a gross abuse of the credit laws and gross negligence on the part of XXXX XXXX XXXX XXXX. I am turning to the Consumer Financial Protection Bureau to report this abuse. I pray that CFPB will be able to assist in this matter and do whatever can be done to prevent future consumers from suffering the same abuse as I have. 

It should be noted that in good faith I have worked long and hard with XXXX XXXX XXXX XXXX and feel I have been treated rudely and they have taken no accountability. I was told that XXXX XXXX XXXX XXXX would escalate this matter, but I am out of time on my new home acquisition and may need to cancel my home search due to their gross negligence and abuse. 

The company has already agreed they mad a mistake I have attached their response Thank you for your help and consideration. 

Desired Outcome/Settlement Desired Settlement : Correction to a credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This Bank of America mortgage account # XXXX has been paid and transferred to another lender. XXXX  CRA is still showing the account as " Open ''.
Product: Vehicle loan or lease

I send a 1099-A 1099-C 1099-OLD I call them in XX/XX/2023 they said they had not received it yet and when it come the will be send me my title to my car that never happened on last Monday they call my dad and said they was looking for my car so i call them they said they never received the info so i told them they have a billing error they said they didnt know what a billing error was this is what i send to them its not letting me send forms so they are in the mail