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

The questionable account specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled as soon as possible : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00}
Product: Credit card or prepaid card

Purchased {$6300.00} worth of goods XXXX & XX/XX/18 and charged to my Lowes account. Did not receive the generator until more than a week later. Before even receiving a bill in the mail, I paid {$6000.00} and posted a {$29.00} refund. At this time the balance was {$350.00} which I always pay off completely upon receipt of the bill. 

I was surprised to see an interest charge of {$110.00} on a balance of {$350.00} resulting from purchases that weren't even 30 days old! 
I called Synchrony Bank to complain and they removed the interest. 
I am filing this complaint because this is the second time in the last few months that I have been over charged interest. 

I have attached the bill and request that you review the method of calculating interest they are employing.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

I have reported this issue to the CFPB on on XX/XX/year>2024 ( Case number XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates :XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I will keep on REWRITING to complaint to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified since my request is not taken into serious consideration. My address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/year>. The FTC report numbers related with this complaint XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Debt collection

Even though I 've asked them to take me off their no call list they still continue to call my place of employment.
Product: Debt collection

BMW finance is on my credit report for a car that was solely in my mothers name. Its affecting my score. I do not owe them any money. What happened is, I had a car financed through them but I wanted a bigger model. My mom and I went in to trade the car, but I was told I couldnt because of my score. So my mom bought the car, in her name only. They took the trade of the car in my name and financed the new Car ... although the car was in my moms name I drove the car and made the payments monthly. Well not quite a year later my mom filed bankruptcy and her car was included. But BMW wan na come after me and I never signed for the car. Please help.
Product: Credit reporting 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. 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 a
ny 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: Credit reporting, credit repair services, or other personal consumer reports

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 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 the are in violation. Under, 15 U.S. code 1681bc- Permissible purposes of consumer reports ( a ) in GENERAL subject to the subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the to whom it relates. I never gave any consumer reporting agency writer 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. 

XXXXXXXX XXXX for {$450.00} opened XX/XX/XXXX is an fraudulent account and needs to be removed from my credit report. 
XXXX XXXX XXXX for {$250.00} opened XX/XX/XXXX is an fraudulent account and needs to be removed from my credit report. 
XXXX XXXX for {$320.00} opened XX/XX/XXXX is an fraudulent account and needs to be removed from my credit report. 
XXXX XXXX XXXX for {$10000.00} opened XXXX is a fraudulent account and needs to be removed from my credit report. 
XXXX XXXX XXXX for {$22000.00} opened XX/XX/XXXX is a fraudulent account and needs to be removed from my credit report. 
XXXX XXXX XXXX for {$14000.00} is a fraudulent account and needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

this account appears on my report as charged off when it also reports I paid this off 100 % and has been closed. You can not say it was bad debt and I paid it off 100 %.
Product: Mortgage

First a representative of Cornerstone First Mortgage charged me {$46000.00} for 'due diligence ' fees for XXXX properties. The representative then turned around and refused to refinance XXXX of those properties and will not refund the due diligence fees. 

Cornerstone First Mortgage says they need true vXXXX XXXX XXXX XXXX XXXX XXXX  documents. I've sent them multiple times. Their processor, XXXX, sent me a form to send to the mortgage company to fill out, but the majority of the mortgage companies tell me they will not fill out XXXXXXXX XXXX form - that they have their own form they send that is their verification of mortgage. I've been back and forth several times- requesting the XXXX - but Cornerstone First Mortgage says it is not what they need ( even though this came directly from the mortgage company and says on the form XXXX XXXX XXXX XXXX XXXX 

This original process began with XXXX in XXXX, XXXX. Around XXXX, XXXX, the file was given to Cornerstone First Mortgage and they have been working on this since then. Cornerstone was supposed to refinance XXXX properties, but not XXXX has been closed and today is XX/XX/XXXX. 

On XX/XX/XXXX, I had a conversation - which is recorded- with XXXX and XXXX from Cornerstone First Mortgage. XXXX assured me that they were not 'starting from scratch ' but were just reviewing the documents to see what was missing in order to close these properties in a timely fashion. XXXX stated that a timely fashion would be XXXX to XXXX weeks, but we still have no closing dates set. 

I spoke with Cornerstone CEO XXXX XXXX tonight and he gave the same song and dance as XXXX and XXXX - that they need several more weeks to close the properties, even though they have supposedly been working on this since XXXX, XXXX. I gave them until Friday, XX/XX/XXXX at XXXX XXXX to get the properties closed, but XXXX XXXX said that was impossible. 

Cornerstone First Mortgage processors do not seem to know what they are doing. They continuously request documents and then 'lose ' them and request them again. Next, they say because it took so long to get documents, the ones they had that were fine are now expired ; so they request those documents again. It turns into a vicious cycle as they keep losing documents, claiming documents expired, and do not even look at emails for document requested that were sent multiple times from multiple sources ( email, fax, etc ). 

To go further, Cornerstone kept sending closing disclosures and the fees on these disclosures kept growing. XXXX stated that the fees at closing would be vastly less than what is on the disclosures, but after all I have been through - catching them in multiple lies - I did not trust them. I'm attaching the fees in question to show what they put on the disclosures.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported 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 XXXX 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 card or prepaid card

My tax return was suppose to be direct deposited and so I made a couple of payments on my Kohls card but they were returned, then Kohls did not even reach out to me I have checked my voice messages and email and instead put a freeze on my card. I noticed all today and called customer service immediately to tell them what happened and let them know I am work a lot of OT at XXXX XXXX XXXX IL XXXX and would be paying the card off in full starting on XX/XX/XXXX and then twice monthly. The girl then transferred me and then some guy answered and made me go through the entire explanation AGAIN and he then said they had put a freeze on the card balance is about {$2200.00} and he said I had to pay over half of it by XX/XX/10 or they would shut the card down!! I told him I need more time and asked for the corporate number and that I will shut it down myself based on how they have treated me after my being with them over two years and spending do much and always paying on time!! He said he could not give me the corporate number so I told him I would contact them through your office!!! I looked online and none of the corporate numbers work!! They have horrible reviews many having some of the same issues I am, plus billing errors, coupon errors, junk products, return issues, missing refunds, etc. XXXX also gave me a negative remark on my credit reports trying to ruin my credit as they have others!! I need two months to pay off my balance then I want the card closed at my request due to the way I was treated and will never do business with them again and tell all I know to do the same and I know a lot of people have worked in government and investment banking most of my career!! It is no wonder they are ready to go under as the news and XXXX report!!
Product: Mortgage

Applied for a home equity loan on XX/XX/XXXX for XXXX. We had already put over XXXX into an addition on our home and needed the money financed to complete the addition and renovate the existing home. The loan was immediately approved and I locked in an interest rate of 7.49 % on XX/XX/XXXX. 

We were later told that the rate was going to increase to XXXX at closing if we wanted the loan. We were in the middle of construction, nearly 2 months had passed, and we needed the money right away. 

XXXX was disbursed on XX/XX/XXXX to complete the addition and pay the contractors for labor and materials. In late XXXX, the addition was complete except for trim around the doors, windows and baseboards. The roof of the addition was covered in ice/water shield in XX/XX/XXXX and could not be shingled until the roof on the original house was also ready for shingles. The same is true for the siding as the addition is connected to the original structure. 
We were told verbally that once the addition was livable, the remaining money would be released. 

I contacted the bank in XXXX letting them know that we were ready for the remaining funds. I sent pictures of the interior to show that it was complete. On XX/XX/XXXX I received an email from XXXX XXXX, Mortgage Closing XXXX asking that my spouse and I sign an attached document ( ESCROW HOLDBACK AGREEMENT ) that the bank " forgot '' to include at the closing. 
This document was dated XX/XX/XXXX on the reverse side. I attempted to contact XXXX XXXX but my calls were not returned. We did not return or sign this document that was dated XX/XX/XXXX as the closing was completed on XX/XX/XXXX. We were not informed at closing of any conditions to " completion, '' that we would be paying interest on the money that was not released, nor that remaining funds were in a non-interest bearing account. 
Since XXXX, we have paid XXXX in interest.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX ), you may be liable for your willful non-compliance.
Product: Mortgage

Today XX/XX/XXXX, Caliber Home Loans has placed a fraudulent Notice of Trustee Sale on the door of my home. My elderly parents are very upset since this case is presently pending before the Bankruptcy Appellate Panel ( BAP ), therefore any collection activity was in violation of Federal Law. We attach a copy of the Appeal filed on XX/XX/XXXX since all Pre and Post-Petition Bankruptcy payments have been paid since XX/XX/XXXX Also, we have still not received a correct updated history of all payments made on this loan since the year XX/XX/XXXX. Nor have we received a correct XX/XX/XXXX for XX/XX/XXXX& XX/XX/XXXX, and information regarding the different investors including, XXXX, XXXX XXXX XXXX etc. We have two different signed NOTES and would like to know which is the original? None of these issues have been addressed per RESPA, FDCPA, etc. and we would like the CFPB to intervene. From what we understand XXXX XXXX   has just been fined $ XXXX for unlawful foreclosures and fraudulent accounts.
Product: Credit reporting or other personal consumer reports

Subject : Dispute and Request for Validation of Past Due Tuition Account XXXX XXXX XXXX XXXXAccount Number : ** XXXX Dear XXXX XXXX I am writing to formally dispute the past due status of my tuition account, which currently appears as a negative entry on my credit report. This entry is having an adverse effect on my credit profile, and I believe it to be inaccurate. 

Request for Validation under FCRA and CFPB According to the Fair Credit Reporting Act ( FCRA ) and regulations enforced by the Consumer Financial Protection Bureau ( CFPB ), I am entitled to request and obtain validation of any debt reported on my credit profile. As such, I require that you provide the following : 1. **Evidence of Past Due Status** : Comprehensive documentation that accurately demonstrates the account was past due, including specific dates and amounts.

2. **Detailed Account History** : A full account statement detailing all charges, fees, payments, and any relevant dates that substantiate the past due status. 
3. **Verification of Communication** : Copies of any and all correspondences sent to me regarding the past due status of my account, including notices of late payment and subsequent follow-up attempts. 

If you are unable to provide the requested documentation proving that this account was legitimately past due, I request that you immediately remove the negative entry from my credit report. 
-Please update all major credit reporting agencies ( XXXX XXXX XXXX, and XXXX XXXX to reflect the accurate status of this account and remove any derogatory marks associated with it. 
- Provide written confirmation that such corrections have been made and that the derogatory status has been rectified. 

Under the FCRA, you are required to investigate and rectify any inaccuracies in the credit report within 30 days of receiving this dispute letter. Failure to comply will necessitate that I escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) for further investigation and resolution. 

Please communicate with me via the address listed above or through email at XXXX I appreciate your prompt attention to this matter and anticipate a swift resolution. 

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX
Product: Debt collection

Bonneville collections in XXXX XXXX XXXX Utah continues to try and collect on the debt that does not belong to me to the tune of over {$2800.00} for a supposed ambulance ride that I have never taken I have talked to these people and talk to the credit bureaus and told them it is not my debt I've never was in an ambulance and never needed an ambulance they have failed to prove or show me any type of picture ID or identification of mine or signature of mine that agreed to services or a photo or anything
Product: Credit card

On XX/XX/2023 I applied online for an American Express XXXX XXXX and in order to take advantage of an XXXX Welcome Bonus offer. During the online application there was a pop-up that told me that did not qualify for a card and was not entitled the bonus points. I went no further with the application. Because I have good credit and have been a XXXX American Express customer , I then called American Express and spoke directly to an agent to apply for the card. The agent approved me for a credit card and confirmed over the phone that yes, I would be eligible for the XXXX XXXX and XXXX points as a welcome bonus by purchasing {$8000.00} on the card within 6 months. I accepted the card verbally under these terms. I met this purchase criteria but was not given the XXXX bonus. After inquiring via online chat, I was told that I was not going to get the bonus, and then asked that this be reviewed. Despite what I was told when I applied on the phone, they have refused to grant me the XXXX welcome bonus points. In subsequent conversations with various customer service representatives, they have denied that I was told on the phone I would receive the points, and they have refused to reference and listen to the conversation where I applied for the card and was told affirmatively that I was eligible to receive a welcome bonus. I would not have accepted the card had I not been directly told I would receive these bonus points. American Express customer service has been deceptive and evasive when asked why this phone conversation can not be referenced.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX, equifax have a delinquent account on my credit without any merit declining my credit. XXXX XXXX XXXX XXXX XXXX on {$16000.00}. I contacted the companies involved with no response.
Product: Debt collection

Portfolio recovery refuse to update account with XXXX credit bureau even though they promise to remove a debt I did not have with them. I was never shown a validation letter. I paid and settled account with portfolio recovery because they were purposely reporting incorrect information as far as debt owed. Portfolio recovery continues to submit inaccurate information not updating the letter of settlement although they are not original debt. The have been stalking my account since XXXX with no permission because my credit profile was locked. When I complained they deleted inquiries dating back to XXXX to cover the paper trail. Portfolio recovery knowingly took a settlement amount from me when I was already deleted on XXXX and XXXX on XX/XX/XXXX