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

XXXX, Experian, & XXXX are continuing to report incorrect information. There are several late payments being reported on my consumer file that have not been properly verified as accurate. XXXX has late payments listed in XXXX XXXX XXXX of XXXX Experian is not reporting any late payments and XXXX has late payments listed as XXXX and XX/XX/XXXX this account can not be correct. It cant report XXXX different ways. Remove these late payments immediately to reflect paid as agreed. 

( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Account Number XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Payday loan

This company is called National Credit Adjusters and they took over a loan that I paid in full through a consolidation program, however, they continue to harass my personal phone and are calling me on my work phone everyday and I have asked them to stop. I have sent them cease and desist letters from my lawyer and they continue to call. The phone number is XXXX OR XXXX - they will not quit calling and I do not owe them money. This is a FDCPA Violation.
Product: Mortgage

Our FHA mortgage account was pending Foreclosure. 

XX/XX/year> - Reinstatement Letter from XXXX XXXX XXXX, XXXX. representing NewRez LLC dba Shellpoint Mortgage Servicing requested {$21000.00} to reinstate loan. 

XX/XX/year> - Closing Disclosure from lender XXXX approved XXXX XXXX  for {$21000.00} to reinstate delinquent mortgage account to cover XX/XX/year> payment and bring it out of default status. 

It is believed excessive fees ( including attorney fees ) were deducted from the XXXX XXXX loan resulting in a short payment on the mortgage causing the loan to remain in delinquent status and default. 

Countless requests from XXXX and ourselves ( the borrowers ) have been made to NewRez LLC XXXX Shellpoint Mortgage Servicer and their attorneys requesting transparency in account management and an itemization of the distribution of funds - but to no avail. 

XX/XX/year> - Appeal and Error Resolution Notice sent to NewRez LLC dba Shellpoint Mortgage Servicing to request correction to our account and inform them that they may potentially be managing our mortgage loan and/or the CHFA reinstatement funds in bad faith ; deceptively, unlawfully. 

To date - Still no response for resolution from mortgage lender/servicer and/or their attorney's/representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Hi - I would like to add a person to my deed for the condo I own. I called Roundpoint mortgage XXXX times, wrote them XXXX letters, and they refuse to tell me. I would like to know if I add a person to deed, how does that effect the terms of my mortgage. After XXXX calls, they said XXXX owned the loan. After calling XXXX XXXX times, they said they are only the guarantor of the loan, not the owner. They said Roundpoint mortgage has a responsibility to tell me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX  : {$76.00} XXXX XXXX XXXXXXXX XXXX : {$810.00} XXXX & XXXX XXXX XXXX XXXX  XXXX {$460.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : {$6200.00} XXXX XXXX Balanced XXXX  : {$640.00} XXXX XXXX Balanced XXXX : {$930.00} XXXX XXXX Balanced XXXX XXXX  {$410.00} XXXX XXXX Balanced XXXX  : {$620.00} XXXX XXXX Balanced XXXX XXXX {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX, XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX XXXX Balance : {$68000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$140.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$170.00} XXXX  BXXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$740.00} written off. 

XXXX XXXX  XXXX XXXX XXXX {$3000.00} XXXX XXXX  XXXX  XXXX  XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX  XXXX {$47.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ( XXXX ) XXXX ( XXXX ) XXXX < -- -- ALL THESE PHONE # ARE NOT MINE. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- -- ALL THESE ADDRESSES LISTED AND THESE ACCOUNTS LISTED ABOVE ARE NOT MINE ^^^
Product: Credit reporting or other personal consumer reports

XXXX XXXX # XXXX XXXX XXXX XXXX On XX/XX/XXXX I asked you to investigate the inaccuracies on this account. You did not fix the inaccuracies in that investigation. So, on XX/XX/XXXX I asked you to re-investigate this account and fix the inaccuracies. After your re-investigation, you still failed to fix the inaccuracies on this account. After your re-investigation this account was still not fixed. So I XX/XX/XXXX I pointed out that this account still shows charged off every month from XX/XX/XXXX until XX/XX/XXXX. An account can only be charged off XXXX time, not XXXX times. After you sent the results this still was not fixed. In addition to that error I would also like to point out that you are not showing my current balance as XXXX, even though I have paid this account in full. This is highly injurious to my credit, it undermines the faith in the credit reporting system, and against the FCRA statutes. Due to the repeated mistakes and omissions on this account after multiple investigations, I am demanding a deletion of this account. Failure to comply with this demand within the specified time frame will leave me no choice but to pursue legal remedies, which XXXX include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking damages through litigation. I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide a written response outlining the steps you are taking to address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & XXXX  XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit card

Citi XXXX XXXX card ending in XXXX It is not acceptable that credit card companies are charging {$40.00} late fees for XXXX, XXXX 2024 for balance less than XXXX and fees are XXXX dollar per month. I called in yesterday and XXXX late fee of {$35.00} was waived off. And they refused to waive fees for XXXX, XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please See Attached Files Experian continues to employ unlawful and unfair business practices regarding personal information and accounts being reported to my credit file. Even after numerous attempts and requests, they consistently violate my consumer rights afforded to me under the FCRA. I asked that you review the attached documents thoroughly and honor my request to have all referenced personal information removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the items, as they were already corrected from the other bureaus. You have 30 days to CORRECT these items listed below : XXXXXXXX XXXX XXXXXXXX XXXX Date OpenedXXXX Balance : {$360.00} -Late/Open Late Date XXXX, XXXX XXXX XXXXXXXX Date OpenedXXXX Balance : $ XXXXLat/Closed Late Dates XXXX
Product: Consumer Loan

On XXXX XXXX, 2017, I purchased a new car from my local Toyota dealer ( XXXX, XXXX XXXX, PA ). In a moment of weakness I also purchased a Vehicle Service Agreement with the {$1800.00} premium to be included in my auto loan through Toyota Financial Services ( TFS ). After reflection, I returned to the dealership 24 hours later and cancelled the agreement with the premium to be returned as a credit to my loan balance. After more than 4 weeks, with no refund and multiple inquiries to both the dealer and TFS, I was told that the refund process normally takes 6-8 weeks before the credit is applied to the loan balance. In today 's electronically-connected financial environment there is no legitimate reason for a simple refund to take that long to process. Two business days would be much more realistic.
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: Credit reporting or other personal consumer reports

Received this mail from transunion asking for proof of identity which I already submitted prior times I decided to send it again through here so there can be another record
Product: Credit reporting or other personal consumer reports

I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report 2 months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible XXXX - XXXX XXXX - XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$3800.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$150000.00} XXXXXXXX XXXX {$570.00} XX/XX/XXXX XXXX XXXX BANK OF OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019 I submitted an application for the U.S Bank Altitude Reserve Credit card. My application was approved and I received the credit card. I used the credit card for regular purchases. The card came with a $XXXX  annual fee which I paid on time in full. I always paid my balance off, and was not charged any interest.This card required that I spend $XXXX within the first 3 months of card membership in order to receive the sign up bonus of XXXX points. I met this requirement and I could see the bonus points as pending on my credit card statement.Then I received a notice that my account was being closed and that my points were being forfeited, and that I could not longer use the card.  The reason state was a pattern of buying gift cards.  I tried to see if I could get my account reinstated with no success. When I could not get my card reinstated I requested that the annual fee be refunded to me since I paid the $XXXX  fee. This request was refused. I requested that the annual fee be prorated for the months that I was not able to use it, this was also refused.I was wronged first that I clearly met the terms of the sign up bonus, I saw the points as pending to my rewards account, but then US Bank frozen my account not allowing me to use the points.  I was wronged again when US Bank close my account within 3 months of opening, yet would not refund the $XXXX annual fee which I paid.
Product: Mortgage

We started the process of a refinance with cash out on XXXX. We were told that royal united mortgage could close the loan in 7-10 day. XXXX XXXX said he was confident that we would close close to XXXX. Since that time I have been met with false promises and excuses as to why we have to push the closing back a few days. I 've had to fax them the XXXX XXXX times! After the XXXX time, I ended up going to the local IRS building to obtain the transcripts myself. Every day we were held up on some form that I had already faxed them. Every week on Monday, we were told we 'd close by friday ... Now 7-10 days has turned into almost 45 days. The customer service was stellar to begin with .... now as my frustration grows we 're being treated to annoyance and disdain. It seems like they were great until we were committed to this loan. Now I ca n't even get a straight anewer on if we 're closing with an attorney, a title company, or a notary. I just keep hearing, " no worries, we have companies that we work with regularly ''. This is just all around BAD BUSINESS!
Product: Credit reporting or other personal consumer reports

Complaint Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) I formally request that XXXX block the accounts, collections, and hard inquiries identified below from my credit file within 4 business days as required by law. Written confirmation of this request should be sent to me. 

Background : I am a victim of identity theft and the Equifax data breach. My credit report contains unauthorized accounts that negatively impact my ability to obtain credit. 
Violations : The accounts and inquiries violate the following : -15 U.S.C. 1692e : False/Misleading Representations -15 U.S.C. 1681e ( b ) : Failure to Ensure Accuracy -15 U.S.C. 1681i : Failure to Investigate Disputes -15 U.S.C. 1681c ( a ) : Reporting Obsolete Information Accounts for Removal : XXXX, Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I appreciate your swift attention to this matter.
Product: Credit reporting or other personal consumer reports

Experiencing complications with experience mailed a certified letter to them and theyre saying its not from me when it has my name. Then they told me to call and verify it was me who sent it I did.
Product: Prepaid card

Original Card : XXXX Replacement Card : XXXX {$500.00} I own a card that I bought with my own money. I exercised my XXXX / Regulation II PIN debit rights to use the card in good faith at local merchants, but InComm blocked the transactions and is holding my money without my consent. 

I called customer service and asked for a replacement card. InComm sent me a replacement card but refused to activate it when I called in to customer service to activate the card, and even refused to provide identifying information about the card so I could locate any receipts or additional documentation. InComm reps refused to provide a timeline but indicated that it may take 30 days or more to get a working card. I did not get what InComm advertised to me : a working card that is accepted everywhere XXXX debit card are accepted in the United States XXXX 
I want my money back and I want the CFPB/appropriate regulator to compel InComm not to block transactions in violation of Regulation XXXX, or to promptly return all money, including purchase fees, to affected customers.
Product: Credit reporting or other personal consumer reports

I asked for my contract with this company bearing my signature so I can take something to my local police department and still haven't yet received anything. Please hold this company accountable for not follow rules under 15 USC 1692B ON FAIR REPORTING because I think this falls under reporting unfairly and abusive of power.
Product: Credit card or prepaid card

Discover card decided to close my account based on wrong information provided by another credit card company to my credit, which I advised was being disputed. My history with them of 5 years was clean, never made a late payment or minimum payment and card was 100 % paid off. They are aware the closing will furthermore affect my credit in a negative way.