23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX LoanCare drafted a letter stating that I must change the account number that I am sending my payment to in order for my account to be properly credited. I did not receive the letter until the end of XXXX and XXXX 's payment went to the old account number. They did not credit the payment and I have called 6 times without getting any resolution. They have never returned any of my phone calls. The customer resolutions department is typically closed during the posted hours. The last response I got after calling customer service is that they never received any proof from me that any payments have been made. The last correspondence they have on record as being sent to me is that I need to send them proof of payments to which they have never received a response. They deny ever sending a letter stating that the payments were being sent to the wrong account number, but said that the note states that I called and told them that my bank was sending the payments to the wrong account number. 

They first stated that missing payment was returned to me because I'd called and asked for it back. They had no documentation to support this and when questioned by Department of Veterans affairs they changed their story.

The next story is that the payments were being sent via regular mail and taking and they had no control over how long it took to get them. When proof was provided that the payments were made electronically.

The third story was the wrong account number. 

On Friday, XX/XX/XXXX, I spoke with Arial in customer service ( she said she was a manager ) and I was told that there is no record of any of that, the only communication they have ever sent me was to provide proof of payments which they never received. 
I called customer solutions on XX/XX/XXXX twice but was unable to connect with anyone, I left messages. I called three times in XXXX and left messages for someone in customer solutions. I did speak with customer service who told me that they would leave a message for someone to call and follow up, and also that the notes did not have dates so they could not tell what the dates were from the other times I tried to contact them or the date of the notes entered. 
In XXXX and XXXX I was calling with a third party verifying the payment information on the loan and they reported the loan as 30 days past due and stated they would be sending the information to the credit bureau XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the companies that have inquiries on my credit report in which I did not authorize : XXXX XXXX XXXX XX/XX/XXXX, XXXX Verify- XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX, US Department of Education-XXXX, US Department of EducationXXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Mail To : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> Dear Collector, Im shocked at the proof that you sent me based on my validation request. The law allows me to request validation for above account. I dont know your company, as you may be a scam artist trying to get money from people. I sent a letter to you 30 days ago asking for the following items. 
( XXXX ). Contract with my name on it. 
( XXXX ). Full accounting of this account. 
( XXXX ). Proof that you have the right to collect money from me. 
( XXXX ). Proof that you have the right to collect in my state. 
And more. 
Where is this proof? How does what you sent me prove that this account belongs to me? It does not. Your company has failed on multiple levels. Let me tell you how. 
( XXXX ). You reported a debt to the credit bureaus causing my score to go down without validating. 
Violation ( XXXX ). You failed to provide sufficient proof, yet still continuecollection activity by validating the debt above. 
Violation Would you like me to continue? DELETE THIS ACCOUNT ASAP or face complaints to the FTC, XXXX, Consumer Financial Protection Bureau, and the Attorney Generals Office. I will also be reviewing my state law to see if a bond is required and if your company is registered to collect in my state. Dont escalate this matter further over this little debt. 
Delete it at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Debt Recording Act XXXX XXXX  Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX # XXXX, XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX has violated my rights. 

15 U S C 1681 section 602 A states I have the right to privacy 15 U S C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

My account with DEPT OF ED/XXXX  was never late! I have had exceptional payment history with DEPT OF ED/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 paymen t 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. 


DEPT OF ED/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

I recently obtained a copy of my credit report and Im just now noticing some inquiries that I have no idea what they are. According to 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! Thank you for your prompt attention to this matter. These inquiries are fraudulent, and Id like them removed. I look forward to receiving confirmation of the removal of these unauthorized hard inquiries from my credit report. I await your response. Ive also sent a dispute to the consumer financial protection bureau and according the FCRA, unauthorized items must be removed. PLEASE REMOVE THE FOLLOWING UNAUTHORIZED INQUIRIES : XX/XX/scrub>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

In early XXXX, I entered into a forbearance under the CARES Act where I was allowed to postpone my mortgage payments for a duration of up to a year due to XXXX hardship. 

However, after attempting to exit my forbearance and make a payment plan, as stated under the CARES Act, Midland Mortgage refused my payment plan and demanded payments in full. When I would try to apply for the payment plan, they would use every excuse possible on why I didnt qualify and instead tell me that I owed them over $ XXXX as a XXXX time payment. 

During this process, I still continued to make regular monthly payments to cover my mortgage, including during the months of XX/XX/XXXX to XX/XX/XXXX. 

However, since the CARES Act states that a mortgage company can not mark forbearance periods as late payments, Midland Mortgage decided to work around this by instead counting the payments I would make towards different months. For example, the payment I made on XX/XX/XXXX would instead be applied to the XX/XX/XXXX payment, even though the payment was made by me towards the XX/XX/XXXX payment and not the forbearance amount, as that was under a XXXX XXXX application. 

They are currently reporting to my credit bureaus as my payments being late from XX/XX/XXXX to XX/XX/XXXX. I did make payments during these months and these payments were the exact payment amounts that were agreed upon. I was not late on my payments during the months reported. 

I submitted a dispute to XXXX with the exact above information, but XXXX did not update my information even after attaching the transaction history that shows I submitted payments for those months.
Product: Credit card or prepaid card

I canceled a flight last year XXXX XX/XX/XXXX due to personal circumstances. I received an email from American Express stating that I would receive a credit to be used by XX/XX/2023 and it stated the credit amount of {$510.00}.
Product: Debt collection

This company,  XXXX , sent me a letter and claimed I have unpaid amount {$380.00} to Sun  Trust Bank . Except I do n't do business wit h Suntrust Bank. I visited Suntrust an d ask them if they have an account under my name, gave them my driver license and the letter from  XXXX . Suntrust search and came back negative, they do n't have me as a customer, they also checked back dated to year   XXXX  , nothing.     I also checked my credit report and verify a possible identify theft, again, nothing. Contacted  XXXX ,  XXXX , gave them the reference #  XXXX . Informed them they have the wrong person which they denied ... I asked how they get my record. They could n't give me an answer.       XXXX   XXXX   XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Company provides loans exceeding the 36 % interest rate for most lenders but rather around 700 %. They do not check for military status officially.
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below which still appear on my credit report, even after your investigation in XXXX I would like the below items reinvestigated and removed for inaccuracies. The accounts are severely affecting my credit rating ( XXXX XXXX XXXX, XXXX ). Please provide the names and business addresses of each company with whom you verified information so I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 
Please see referenced accounts below : XXXX XXXX XXXX XXXX Account reporting inaccurately Sued by the CFPB for predatory lending Please verify account belongs to me Payment history inaccurate Requesting this account be removed from credit report XXXX. XXXX Account reporting inaccurate information Please verify account belongs to me Requesting this account be removed from credit report XXXX. XXXX XXXX Account reporting inaccurately Please verify account belongs to me Account a result of identity theft Requesting this account be removed from credit report XXXX. XXXXXXXX XXXX XXXXXXXX Account reporting inaccurately Please verify account belongs to me Requesting this account be removed from credit report XXXX CRXXXX XXXX XXXX This account does not belong to me, possible identity theft Please remove this account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Equifax, I am writing to follow up on my previous dispute regarding unauthorized inquiries on my Equifax credit report . Your response indicated that these inquiries will remain on my credit file, as they are considered factual records of file access. However, your response did not include any evidence or documentation proving that I authorized these inquiries. 
As stated in my initial dispute letter dated XX/XX/XXXX, according to 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) of the Fair Credit Reporting Act ( FCRA ), there have been multiple violations involving the furnishing of reports in connection with credit or insurance transactions that were not initiated by me. These inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report under certain circumstances, such as with the written consent of the consumer. If you believe these inquiries were authorized, please provide me with copies of the documentation, including my written consent and signature, that you have on file.

Failure to provide this documentation indicates non-compliance with the FCRA, specifically under 15 U.S.C. 1681n and 15 U.S.C. 1681s-2, which detail the penalties for obtaining a consumer report under false pretenses or knowingly without a permissible purpose. These penalties include actual damages sustained by the consumer, or {$1000.00}, whichever is greater, plus punitive damages as allowed by the court.

Given that you have not provided the necessary evidence, I am reiterating my request to have the following unauthorized inquiries removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, I have filed complaints with the Consumer Financial Protection Bureau ( CFPB ), State Attorney Generals Office, XXXX XXXX XXXX XXXX XXXX XXXX and Federal Trade Commission ( FTC ) regarding this matter. 
Please confirm receipt of this letter and inform me of the actions you have taken to resolve this issue within 15 days of receiving this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I made a complaint through CFPB about Equifax not updating my name as the information has been changed for several years and 2 letters and 4 online disputes have been sent. Always saying the information has been updated but nothing changes and their website still shows I have XXXX credit history when I have multiple credit cards through different banks and have for years. On my last complaint I was told to mail a copy of ID and SSN, I complied, printed the information, and sent the requested information on XX/XX/XXXX and on XX/XX/XXXX they sent a letter, responded saying the information I sent was verified as correct, and updated as they always do, yet now on XX/XX/XXXX their website still says the incorrect name, no mention of my correct name, and when I request a credit report it just says to try again later like it did months ago on my most recent CFPB complaint.
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXXXXXX XXXX - Account XXXX List of Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX/2017 I spoke with a Repetitive about an allege debt that XXXX XXXX XXXX claims that i am responsible for. I stated that I have know knowledge of this debt and it is a result of identity theft, I then stated that they are in Violation of the Fair Debt Collection Act by not sending me requested original documentation or agreement bearing my signature as validation of this debt as well as the Fair Credit Reporting Act by reporting unverified information to the Credit Bureaus, XXXX XXXX, XXXX and XXXX. and which is a defamation of charterer, that will be included in my Lawsuit with XXXX XXXX XXXX, if this matter is not resolved immediately by deleting this unverified debt from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccurate information that has been placed on my credit report for since early XX/XX/2018. I applied for a refinance of my mortgage loan and was adviced That I have 100 plus inquiries from each credit bureau. I pulled each credit report and noticed about 80 plus were not authorized. I sent all three credit bureaus letters. I received from all three breaks. XXXX  responded XX/XX/2018, their response was a letter was received and they didnt think it was me. They will not continue on with investigation. I sent and updated all information on XXXX XXXX. XX/XX/2018 XXXX received dispute letters in regards to inquiries. Their response on XX/XX/2018 from the inquiries were that the inquiries were authorized and accurate and they are not removing them. I sent Experian two dispute letters, one for my inquiries and one for several inquiries on my credit report. Experian has refused to take any action on my credit file. They have just continued sending me copies of my credit report and hasnt followed up with me. I am becoming frustrated because it seems that my credit is being pulled from auto lenders and several credit card companies as from the past every 6 months and they are going through the institutions that I bank with. I just want to get this matter resolved.
Product: Credit reporting or other personal consumer reports

I am writing regarding my account with XXXX XXXX XXXX opened on XX/XX/XXXXXXXX XXXX XXXX 

I have noticed that my account has been designated as " Charge Off '' 26 times from XX/XX/XXXXXXXX  to XX/XX/XXXX. This is not only misleading but also illegal. 

A charge-off is a status that symbolizes the end all be all to that account. Once it is charged off, it is null and void, sent to be put on your credit profile. Ther is a need for it to only be applied once to an account. 

The Fair Credit Reporting Act ( FCRA ) clearly states that reporting must be accurate, and continuing to mark an account as charged off multiple times violates my rights under FCRA Section 1681 ( e ) ( b ), which mandates maximum possible accuracy.

Additionally, FCRA Section 1681s-2 ( a ) requires furnishers of information to provide accurate information. The continued charge-off entries do not reflect my efforts to manage my debt responsibly. I requested accommodations due to financial difficulties related to COVID-19, and XXXX did not report my account as current during that forbearance period, constituting a violation of the protections afforded under the CARES Act. 

Moreover, the Consumer Financial Protection Bureau ( CFPB ) has stated that creditors must report accurately during the XXXX pandemic. Multiple charge-off entries are not compliant with these guidelines. 

This sadly needs to be deleted, because I can not believe a company this large would try and hurt their customers during hard times.
Product: Debt collection

I had a collections account go onto my credit for the amount of {$380.00}. The account states the original creditor is consumers energy. That date for the file is XX/XX/year>. I never had consumers energy for the year XXXX. The name of the collections agency is Online Information s. The collection account on my credit is fraud. I disputed this collections to all three credit bureaus.
Product: Checking or savings account

After weeks of waiting I was told SunTrust bank would not refund me the XXXX in fees that occurred due to how they handle my overdraft. I set up a over draft protection as directed by bank employee at SunTrust in XXXX XXXX, MD branch. It says it has a {$5000.00} limit which at the time it kicked in when my account went below XXXX. stopped working after only XXXX items went thru ( they charged me $ XXXX/day for unlimited items, that was the agreement at the time I set it up ) Out of the {$1000.00} in bank fees I was charged only XXXX of those are what I agreed to pay {$38.00} /day unlimited items. I was returned only XXXX of these fees and was told it was not a bank error that it was linked to another card even though it has a different number and when I check online has a different available credit. So it stated I had over XXXX $ available but after XXXX $ they cut off the line and returned XXXX items and then charged me {$38.00} per item returned. I don't see how this is possibly legal? and if it is something should be done to make it not so!