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

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account 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.

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: Mortgage

This is a short sale approval issue in which I am asking SLS which already approved my short sale and I have attached the documents, including the contract executed by myself and the borrower. Therefore, I do not need a third party approval as I do not want information about the borrower. I need someone to provide us the approved extention so that I can close on the loan. I have paid attorneys, appraisals, survey, town CO fees, etc. The bank will not allow me to close until I receive this document. The seller 's attorney nor the bank are responding. I need SLS to respond immediately before my loan is cancelled!!!! 

Since XX/XX/XXXX, we have been working with Specialized Loan Services ( SLS ) to purchase a home at XXXX XXXX XXXX XXXX, XXXX, NJ. This is a short sale that they approved. Unfortunately, the seller had a lien on the property that needed to clear before we can close on the loan. Waiting caused the short sale approval to expire, they provided an extention in XX/XX/XXXX and then in XX/XX/XXXX but then they also expired. The bank will not close unless that extension is active. At this time, we have the attorney, the appraisal, the credit report fee, the surveyor, the town with the CO fees, all accumulated and we can not get SLS to respond to us with the lien settled so that we can get a clear title. Nor, have they provided us another extension knowing that they are causing the hold for us to close. We have spoken to the seller, XXXX XXXX and he wants to sell the house. He no longer lives in NJ and has abandoned the home, which by the way the town is ready to put a lien because the property has been abandoned for more then 2 years. We have everything in place to close on the loan and move to the property. We need SLS to respond!!! We need to short sales extension and need a confirmation that the lien is cleared. The sellers attorney will not respond to anyone including my attorney as they claim they are not getting paid for closing on this house, The seller XXXX XXXX ( XXXX ) is anxious in getting the house sold but also finds that his hands are tied as he can not get answers from SLS. They are located at XXXX XXXX XXXX. XXXX XXXX, CO XXXX phone XXXX. The loan number is XXXX and the seller is XXXX XXXX. Please help us get a response and the documents needed so that we can close on this purchase. You can reach me at XXXX XXXX or XXXX XXXX. My email is XXXX. Your help is greatly appreciated!!
Product: Credit reporting

I have worked with the credit reporting agency for almost the entire year, I requested proof of validation on a bankruptcy per the fair credit reporting act, which gives me as a consumer the right to have anything on my report validated or it must be removed from my credit report because the information is incorrect and not 100 % accurate. I wrote the U.S. Bankruptcy court in South Carolina, and I got a letter back from the clerk of court stating that no reporting agency received any information that was requested, which means the item was not verified. I have documentation, certified from every encounter with the credit agency, I will gladly mail them to you upon request because they are to numberous to e-mail, however, I will include a copy of the letter I received from the clerk of the bankruptcy court in South Carolina.
Product: Mortgage

Carrinton Mortgage was paying on two home owners insurance, in XX/XX/XXXX they were notified of that policy being closed, Carrington was given the correct insurance company which was XXXX XXXX. Again in XX/XX/XXXX Carrington Mortgage company was paying a insurance bill on a closed policy with XXXX XXXX in XX/XX/XXXX after i had put them on notice in XX/XX/XXXX. Due to this irresponsible error, my escrow account is - {$3500.00} and my house payment went from {$800.00} to {$1200.00} and they have me in arrears, due to the inflation of house price. I have put this company on notice twice, I do not believe this is my place, they have been notified and now my credit shows i am behind, which i am not. Then I receive a registered letter on XX/XX/XXXX of intent of foreclosure, when I called XXXX  the CSR says I do apologize! This is clearly this mortgage company 's error, XXXX  said when carrington receives a bill they just pay it, i believe the closed account info I provided to them should of been enough for someone not to make a careless mistake. So my escrow is negative, my house increased {$400.00} my credit has been hit for late payments which i am not, and yet nobody wants to be held responsible. I am working with XXXX, ext. XXXX   employee number # XXXX  and he was going to open a incident report on Friday XX/XX/XXXX and get back with me and i have called and had to leave messages for him to return my call, I cant get a hold of him, and i cant get anyone to send me to the extension.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported a Hard Inquiry on my Equifax credit report on XX/XX/XXXX & XX/XX/XXXX. The inquiry on XX/XX/XXXX shouldn't be reporting. What would be the reason to run my credit twice and i already was approve for service prior?
Product: Debt collection

call me sunday morning XXXX a day. numerous calls restricted line and bank call and evine line. tell them I need an extension but will not extend. but calls all times of the day sometime XXXX a day. evine live and syncb bank call me from different numbers and harass me. and threaten me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has sent my information to XXXX XXXX XXXX for an account that was opened in XXXX they have restarted the account date showing account was opened in XXXX of XXXX which is false and illegal.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I am writing to file a formal complaint against Experian regarding their repeated failure to address my dispute of inaccurate information on my credit report, despite providing all necessary documentation. This issue has caused me unnecessary delays and frustration, and I believe it demonstrates a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and relevant New York XXXX consumer protection laws. 

On XXXX separate occasions in XXXX and in XX/XX/year> I mailed a formal dispute to Experian via XXXX, including a clear and complete copy of my New York XXXX drivers license, a utility bill, and my Social Security card. Despite this, Experians responses have been dismissive, claiming that the documents I provided were either unclear or never received. This is demonstrably false, as I have attached proof of delivery, including XXXX tracking information, confirming that my correspondence was sent and delivered. 

Experians failure to properly investigate my dispute or even acknowledge receipt of my documents is not only unprofessional but also an apparent violation of consumer law protections, including : The Fair Credit Reporting Act ( FCRA ) : Experian is obligated to investigate disputes in a timely and accurate manner and correct or delete any information found to be inaccurate, incomplete, or unverifiable. 
New York XXXX XXXX XXXX Laws : These laws ensure that credit reporting agencies operate with fairness and transparency, especially when consumers provide clear and valid documentation. 
XXXX XXXX Practices : Experians repeated claims of unreceived documents despite proof of delivery reflect deliberate and intentional negligence. 
This behavior appears to be a deliberate attempt to avoid addressing my legitimate concerns and correcting errors in my credit file, which could have a significant and adverse impact on my financial well-being. 

Attached to this complaint, I have included : A copy of my dispute letters to Experian. 
Copies of the identification documents I provided. 
I request that the CFPB investigate XXXX handling of my dispute, ensure that they are held accountable for their lack of compliance with consumer protection laws, and compel them to properly review and address the inaccuracies on my credit file. 

Thank you for your time and attention to this matter. I look forward to your response and any steps you can take to help resolve this issue. 

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

Received call from United Student Loan Assistance Center. They said student loan was going into default and for three payments totalling {$500.00} they would get loan forgiveness due to XXXX. Fell for it but then got to checking and found this is a scam. Have froze my accounts with all three credit agencies and putting stop payment on checking account tomorrow. Wanted to report them so that others don't get scammed too.
Product: Debt collection

Received a notice for appointed receiver. Being sued for a debt that is past the 4 year statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about the unauthorized inquiries reporting in my credit report. I am seeking assistance to remove these from my file. 
XXXX XXXX XXXX XX/XX/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: Checking or savings account

Regarding my business acct for XXXX XXXX XXXX with Wells Fargo, They have closed my account expressing they have the rights to do so without any explanation. This is a violation of my rights the FCDPA. Further expressing I owe them {$180.00} and demanding I pay it. I havent the slightest clue what is going on with Wells Fargo, but I DO NOT GIVE ANY CONSENT, and had every intention of opening my private trust account with Wells Fargo this month, Now they are prohibiting me for NO REASON. As of the XXXX they expressed both of XXXX XXXX XXXX business accts will be closed and again stated no reason, expressing they can choose to do business with me when they feel like. I have my XXXX XXXX XXXX XXXXXXXX, and am XXXX protected, so none of this makes any sense. I demand Wells Fargo keep my business accts open and in good standing, and declare to offset the public side as I am the beneficiary of my accounts by accepting and returning for value my private debts that creates new currency into circulation and indebted by the government, my trustee. 

I will pursue legal matters once they do not abide by my demands, to file judgement against them as I feel discriminated and racially profiled. If its a case of identity theft, I should not be penalized and suffer the repercussions of not having an active business account. 

Theyre back office fraud department is exactly that, Fraud, not helping me the consumer one bit. I literally opened a new account on Monday XX/XX/XXXX, physically at my local branch to rectify any concerns they may have encountered. just to be called today ( not even XXXX later ) harassed and told they will be closing it on the XXXX. what do they need XXXX business days to do, securitize my accounts? Im so disappointed and upset all in the same interim. Wells Fargo can not continue to waste my time and energy when Im only seeking to work in good faith. 

Please have Wells Fargo honor my public business accounts along with my personal private trust account set up to close the month. For this is totally unfair and I repeat, discriminatory. 

I will be sending complaint to the XXXX, FTC, OCC and the states DA, as Im highly disappointed in how Wells Fargo reps chose to handle this matter.
Product: Credit reporting or other personal consumer reports

My credit report shows charge off which I never received 1099 debt cancelation forms for tax reporting. My report also shows financial reports from third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Filed a dispute on my credit report and it has been well over 30 days since I filed the dispute and I haven't received any investigation results.
Product: Debt collection

this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
Product: Debt collection

NCA National Credit Adjusters has put a collection account for XXXX XXXX on my report that I do not own. I have never done business with XXXX XXXX yet nobody will listen nor provide me proof that it is my debt. THIS IS CROOKED and I AM SO FRUSTRATED!!
Product: Credit reporting or other personal consumer reports

In the last 30 days, I have asked that an account with XXXX XXXX XXXX XXXXXXXX ) be removed from my credit report because it is over XXXX XXXX XXXX. It shows a last payment date of XXXX XXXX XXXX  ( first missed payment ) on my credit report. Last payment date was actually XX/XX/year>. While I have stated this in my dispute twice now, it still remains on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America, XXXX XXXX, and XXXX XXXX XXXX. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$800.00}. The Account Opened is XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$0.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting

I had identity theft. It was over XXXX worth on XXXX cards. From the XXXX data breech. I am in my XXXX and always had a perfect credit score. Over XXXX. Well. The creditor which was XXXX XXXX and XXXX XXXX both agreed it was fraud. Along with all XXXX credit beuras. ( Agreed it was fraud ). Well they dropped them off my credit report. So now my credit report shows perfect credit. Not my score. It is XXXX. I 'm trying to purchase a home. I ca n't with this score. The fraud was 100 % not my fault. So they need to change my score back to at least high XXXX. Thank you.
Product: Debt collection

The second lienholder, mortgage company ( Shellpoint Mortgage ) stated that they closed out this loan and sent it to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's and deeds office is supposed to record the release discharge of the mortgage. I have attached a copy of the letter from the mortgage company ( Shellpoint Mortgage ). I have called the XXXX XXXX 's office many times to get information about this matter. II have called the ( XXXX XXXX XXXX 's office and Shellpoint Mortgage ) They have not given me any confirmed information to me. I would like to make sure this is discharged, released per as the letter states. I had considered filing a complaint with the court if I am unable to successfully get information about the release. I need a copy of the proof for my records once it is released and or discharged. We can have someone look into the matter and reach out to the CEO 's ( whoever oversees the XXXX XXXX XXXX 's office and Shellpoint mortgage.
Product: Debt collection

This complaint submission is in regards to a false credit report by LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a few representatives who were all extremely rude and refused to give me any information reguarding this alleged debt. I then spoke with another representative who gave me their company 's fax number so I could forward them a Debt Of Validation letter, which was sent on XX/XX/2019. It was confirmed through fax confirmation that LVNV FUNDING LLC representative had received the files ; however, after 30 days of notifying them, still no response. At this point in time LVNV FUNDING LLC has failed to provide any proof of debt and/or anything in signature or judgment by law stating I was obligated to pay them the total of ( {$13000.00} ). I have never made any agreement with them or with the original creditor to pay anything nor was I properly notified of this false reported debt. After several attempts to rectify this matter, LVNV Funding then sent my personal information to a 3rd party referred to as ( XXXX XXXX XXXX ) who claimed to represent the company. At that point, they began demanding more personal information and stated I need to pay them in regards to the debt owed. I am firmly requesting LVNV FUNDING LLC immediately remove me from their systems and update all 3 major Credit Bureaus ( XXXX XXXX XXXX XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. LVNV FUNDING LLC is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g, and if this report is not updated immediately I will be taking legal actions.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting

I have filed multiple disputes about an aged out student loan delinquency on my report. I have never received any findings from transunion. When I log back in, i see that the date the delinquency is constantly moved back so that it never falls off. I have called and reported this and Transunion tells me that there is nothing they can do about it. No matter how many times I report it, nothing is ever done. All of the other agencies have taken care of it, but they refuse to do anything about it and are rude when approached.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXXXX has continued to violate the FCRA on numerous occassions by knowingly entering harmful information that intentionally harmed my credit file! I was reported on multiple credit reporting agencies by them as a monthly CHARGE OFF with a OUTSTANDING BALANCE from XX/XX/XXXX until XX/XX/XXXX! 
XXXX XXXX XXXX XXXX SOLD my CHARGE OFF account to the COLLECTION AGENCY to COLLECT the Outstanding Balance who also placed a COLLECTION ACCOUNT on multiple credit reporting agencies during the same exact time to cause me harm and put pressure on me! On XX/XX/XXXX, I settled my collection with for {$370.00} and ( SETTLED IN FULL AND IMMEDIATELY DELETED )! Nevertheles, XXXX XXXX XXXX  has written off {$550.00} and placed ( Settled for LESS THAN FULL Balance )!
Product: Checking or savings account

I was using XXXX with no problem, didnt violate any terms of service, and all of a sudden they froze my account, and requested statements from my bank, proving that the linked account to XXXX was mine. I provided it about XXXX times literally. And they kept saying the same thing over and over and over. They wanted me to keep sending the proof. Its only XXXX $ in my account, but Im not rich. I live paycheck to paycheck. Theyve held that money on me for months, when I couldve really used it. Its MY money, this is literally a crime. Theyre stealing my money
Product: Debt collection

I am writing to bring to your immediate attention a serious matter regarding the inaccurate information present on my credit report. After a thorough review of my credit report, I have identified an error that demands your urgent attention and correction. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
Upon reviewing my credit report, I discovered that there is an identity-related entry that does not belong to me. This discrepancy is causing severe harm to my creditworthiness and financial standing. The inaccurate information is as follows : 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 I would like to emphasize the urgency of this matter and request that you promptly investigate and rectify this error. This erroneous information is not only damaging my credit score but also poses a significant risk to my financial well-being. 
I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which grants me the right to dispute inaccurate information on my credit report. I am exercising this right and demanding the immediate removal of the incorrect identity information mentioned above. 
I expect you to conduct a thorough and expedited investigation into this matter and ensure that my credit report accurately reflects my identity. Failure to address this issue promptly will leave me with no choice but to pursue legal action to protect my rights.