23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Debt was placed on my credit report for rent that I do not owe. I moved out with rent paid in full for the last month at the address. I never received a notice for an outstanding balance before seeing it on my credit. Contacted the company who stated they would resolve the issue and still nothing has been done. There was no updated lease as my lease had expired months before ( XX/XX/XXXX ) and they never renewed so I moved out ( XX/XX/XXXX ) with my balance paid for XXXX My rent was never late and there was no balance when I turned in my key. I have contacted this company on multiple occasions they do not return calls.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  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 XXXX AND XXXX 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. XXXX XXXX XXXX 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

XXXX is a loan servicer and they have reached the statue of limitations. It has been more than 7 years. ACCT # INCORRECT. Date opened XX/XX/2006. I want this item deleted from my file.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act, Capital One, has violated my rights under the following : 15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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
Product: Money transfer, virtual currency, or money service

Zelle did not disclose certain information on money transferring or provide levels of security for transfers.
Product: Debt collection

Dear Sir/Madam, I am writing to bring to your attention an urgent matter regarding unauthorized debt collection activity by National Credit Systems INC ( NCS ) in the state of Florida.

It has come to my attention that NCS does not possess a valid license to collect debt in the state of Florida as required by law. Pursuant to Florida Statutes Chapter 559 Part VI and RULE 69V-180, any entity engaging in debt collection activities within the state must hold a valid license issued by the appropriate regulatory authority. 

Despite lacking the requisite licensing, NCS has continued its attempts to collect a debt from me for the last four years XX/XX/2020. This conduct is not only in violation of Florida law but also a breach of my rights as a consumer.

I demand that you immediately cease all reporting and collection efforts related to the debt in question. Furthermore, I expect you to thoroughly investigate the matter and ensure that NCS ceases its unauthorized activities. 

If I continue to receive communications or notices related to this unauthorized debt collection, I will have no choice but to pursue legal action against both NCS and your agency for their roles in this matter. 

As per Florida law, the licensing number of any entity engaged in debt collection activities must be provided to consumers. Therefore, I request that you verify and confirm the licensing status of NCS in the state of Florida. If NCS can not provide a valid license number, I urge you to take immediate action to rectify this situation.

Please provide written confirmation of the actions taken in response to this letter within 14 days or remove the report alleged debt from my credit report. Failure to comply will leave me with no option but to escalate this matter further legally. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

Social security is is not correct ca n't get my credit score bacause of that Please correct error
Product: Mortgage

For 4 to 6 weeks trying to close a mortgage. 
After laboring to get all the documents to them they had everything & I paid for an appraisal. 
Then they needed veiication of tax return from IRS. This took several weeks to get & then they said they couldnt accept it from me ( I faxed everything from the IRS ) IRS had to send it to them & they could not retrieve it because my account was blocked because of fraud??? 
This is Cash Call in XXXX XXXX XXXX XXXX I am more than frustrated.
Product: Vehicle loan or lease

Lease paid in full - title obtained- went to XXXX XXXX XXXXXXXX for the buyout. Have since paid XXXX XXXX XXXX in full and GM Financial goes ahead and reports me late. This lease was paid in full last year. This is probably the XXXX issue in the last 5 years I've had with this company.
Product: Debt collection

I recieved a new report on my consumer report from LOCKHART, MORRIS & MONT which damaged my credit from a old medical debt that I asked them to verifiy. XXXX XXXX XXXX is the original creditor but they sold this account three different times and I reported this to the credit bureaus because of inaccuracy of this account. 

From my understanding medical debt should not be reporting to my consumer report as of XX/XX/2022. Why was this allowed? This violated HIPPA laws and all. My information should have not been sold. It is confidential information. 
The amount is {$110.00} Account number is XXXX... 
Date status reported : XX/XX/2022
Product: Debt collection

In 2007 I purchased a condo in XXXX and took out a mortgage with mortgage company XXXX. About 2 years later, that company filed for bankruptcy and reorganized under the name XXXX. The statement looked the same but were in a different color. I was suspicious but continued to make payments. Three months ago I received a letter from XXXX informing me that they too are filing for bankruptcy and that I am being assigned to a new agency called NationStar Mortgage. This letter also stated that payments made to XXXX would be automatically forwarded to NationStar for 60 days. The payments I continue to make to XXXX have not been cashed. 

I have never received any certified mail or legitimate looking paperwork from XXXX or NationStar. I just recently received the foreclosure notice on XXXX/XXXX/15 by certified mail. I then consulted an attorney who was also suspicious and told me he normally does not handle these type of problems and suggested I contact your agency for assistance. I have never received any information from the lenders bankruptcy court regarding the disposition of my debt with XXXX or XXXX. Prior to XXXX, my credit score was approximately XXXX. I obviously pay my bills. 

I made my mortgage payment to XXXX in XXXX, days before receiving the notice about the change over. The following month I received a letter from NationStar saying that they never received my XXXX payment and also added a late fee which probably negatively effected my credit score. In an attempt to sort out what happened, I called NationStar however, before speaking with a representative, there was a disclaimer that stated the following : " Please be advised that NationStar is a debt collecting agency and any information provided will be used to collect that debt ''. I immediately hung up the phone. 

I am suspicious for two reasons. First, NationStar is listed on the Better Business Bureau with a F rating and thousands of complaints have been filed against this company. And second, I 've heard many stories of companies grouping mortgages together, selling the loans as a bundle with the buyers of that debt collecting money for properties that they do n't even have proper title to. I am concerned that when I finally pay the mortgage off, they will not have my documentation and essentially run off with the money. Additionally, on the new NationStar statement, it says " The Principal Balance does not represent the payoff amount of your account and is not to be used for payoff purposes ''. For all these reasons, I have not made payment to NationStar. 

Last week I received a foreclosure document from NationStar. It states that the foreclosure will be lifted if I pay the delinquent months including late fees. The FTC website states that " By law, a debt collector is a person who regularly collects debts owed to others. Your mortgage servicer is considered a debt collector only if your loan was in default when the servicer acquired it. '' Prior to NationStar trying to collect, my account has never been in default.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and Transunion credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My student loan was transferred from XXXX to XXXX in XX/XX/XXXX. Loan was taken over by XXXX and subsequently forgiven by the US Dept of Education in XX/XX/XXXX. XXXX was 7+ months late in reporting to the credit bureaus that they took over servicing my loans and which included that they were forgiven. XXXX and XXXX have updated information and have updated the status ( XXXX was the servicer and {$0.00} balance ), but Equifax has not. They still list XXXX full student loan balance and XXXX is not listed on my credit report. XXXX has responded and said that they have updated the information with the CRAs. I have submitted letters from XXXX and XXXX proving that XXXX transferred the loans to XXXX and I have submitted letters from XXXX saying they were forgiven. Equifax goes to XXXX to confirm the information that they have and they will NOT submit info saying it's a {$0.00} balance and transferred. All they will do is verify that the last information that Equifax has is valid ; however, this information is the last balance information before the loan was transferred. Equifax needs to read the letters from XXXX and XXXX. XXXX says it's XXXX 's issue because they were late reporting the loans to the CRAs and that they will NOT send anything to the CRAs. What they would do is send me a letter verifying the loans transferred which I have submitted to Equifax. These are official documents submitted from XXXX apologizing for reporting the status late to the CRAs and that the loan was forgiven. The balance and account info is all there. The XXXX letter confirms the transfer of the loan. They need to look at these and the balances and update my credit report. I am currently working with XXXX XXXX XXXX 's Office regarding the complaint I have filed about all of this with the US Department of Education.
Product: Credit reporting or other personal consumer reports

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES : 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$520.00} {$520.00} {$300.00} Credit Limit : {$300.00} {$300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Canceled by credit grantor Account has been closed due to inactivity. 
XXXX XXXX XXXX XXXX balance Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Student loan

I work in the XXXX XXXX it was affected by Covid-19. I went from working full-time hours w/ monthly bonuses to part-time hours with no bonus, almost a 50 % decrease in income. I have been in forbearance, but was informed that this is no longer available. I asked about lowering the payment, but they could only lower the payment about {$34.00} using an extended borrowers repayment program, extending my loan repayment terms to 35 years. The monthly payment would be & XXXX. They then offered a rate reduction modification program that would lower my payment to {$490.00}, so only a few dollars less than the previous option. 

The rep, XXXX informed me that if I wanted to crate my own payment amount l, it requires me to provide Navient with an itemized list of all of my monthly expenses, and that it would require manager approval. She stated that manager approval options are slim.

She then resulted to telling me that they dont report to the credit bureaus until after three months of non payment, so I wanted to wait and figure it out I could. That was disheartening to hear, especially knowing that they would continue to call my phone asking for payment and not provide any options for three months. 

I also emailed Navient in the online portal and I received a message to call. 

The most that could offer in repayment is around {$150.00}, and that only of overtime hours are offered at my job.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated.

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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a issue with a 30 day late being recently reported on my account. for XXXX XXXX on the day of XXXX XXXX. XXXX the payment was made. I can show proof of the payment being made on this day and my account was due XXXX XXXX XXXX. This is illegal reporting inaccurate information on my account. I am sure this was just a accident or mishap on your end. 
The only thing i can think about is the XXXX payment was made on XXXX XXXX but it was rejected by my bank because the account number was missing a XXXX digit. If this payment was due on XXXX XXXX and not made on time because of a reject then it would take until XXXX XXXX, to be 30 days late. I made my payment on XXXX XXXX to avoid the 30 days late 3 days prior to my payment being due. 
Either way. I am not 30 days late in XXXX or XXXX. I have been a loyal customer for almost 2 years. I have been patiently waiting on the XXXX payment to be removed also from my account. As i was not late for this payment either. 

I am asking you to remove both late payments and send me certified proof you have removed these late payment from my account. I am trying to close on a house at the end of this month. 
PLEASE REMOVE THIS LATE PAYMENT FOR XXXX AS I CAN NOT BUY A HOUSE WITH THIS BEING REPORTED ON MY CREDIT REPORTS. I AM ENCLOSING PROOF THAT I WAS NOT LATE IN XXXX WITH A CASHED MY PAYMENT. 
PLEASE CALL ME ASAP, I HAVE SPOKE ON A RECORDED LINE TO 3 OF YOUR CUSTOMER SERVICE PEOPLE THAT ALL 3 HAVE AGREED I WAS NOT LATE IN XXXX. THE DATE OF SPEAKING TO THEM WAS ON XXXX XXXX AND XXXX XXXX. IF YOU WANT TO LISTEN TO THE RECORDED CONVERSATIONS. 

PLEASE CALL ME ASAP, I HAVE ONLY 5 DAYS TO CORRECT THIS OR I AM GOING TO LOOSE MY MORTGAGE OF MY HOUSE AND HAVE NO WHERE TO LIVE. THIS WAS A RENTAL HOUSE THAT IS BEING SOLD TO ME. I HAVE TO CLOSE AT THE END OF THE MONTH. 
XXXX XXXX ss XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I filed a dispute letter with on XX/XX/2021 XXXX, Equifax and XXXX regarding a several accounts that are reporting on my consumer reports that are unverified and other accounts that were opened fraudulently and were closed due to fraud and XXXX refuses to remove it. The account is being reported as bad debit when in reality it was fraud that was never investigated. Its been more than 30 days and the accounts in my letters are still reporting. Under Federal consumer law, 15 USC 1681i A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Mortgage

hello, I applied a HUD Fair Housing Complaint on XXXX but this evening I received a response from them that my claim has been closed for lack of their jurisdiction power and asked me to contact CFPB. Thanks for your help in advance. 

What happened? : On XX/XX/2021, I submitted a request to BoA to refinance my home. The mortgage agent ( XXXX XXXX ) provided me with two options, with and without points. I did some calc and said using points does not work for me so lets do the refinance rate without point option.

He told me that it is not a big deal and it can be changed easily and asked me to have the rate with point option and wait until load approval. 
I agreed but in several times after our initial conversation I reminded him to remove points from my rate in our phone calls or via email. I can provide a copy of my email I sent to the agent on XX/XX/2021 on the subject ( please see attached ). He did not respond to my email but on the phone repeated that it can be changed easily. 
The last time I reminded him ( via email ) was on XX/XX/2021 ( please see attached ) which he sent me mortgage document and I was ignored again until the day of closing ( on XX/XX/2021 ), I notice that the documents still have the wrong rating so did not sign the closing document. 
On XX/XX/XXXX, he sent me a new mortgage estimate in which the rating ( without point ) is higher than the original one. However some prepaid items like Insurance Premium and property tax have been removed to make the numbers looks good but I have not accepted. from then, they keep pushing me to accept their new rate ( so far sent me 3 random closing date w/o my agreement ) or cancel my application.