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

My account with 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 60 days 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.

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

It is requested that all credit reporting bureaus be contacted and informed to remove said collection XXXX College or any other fraudulent reporting from XXXX College from my credit reports. XXXX XXXX XXXX fraudulently reported that they are the original creditors on my loan account. This is false reporting ( FRAUD ), I never went to XXXX College, nor did I take out a loan from an XXXX College. 

According to the credit bureau 's reporting on my account, my score has been harmed over the last couple of years with my credit score dropping 44 points at one time in some instances. This has affected my credit rating and my ability to apply for credit, loans, and personal accounts. 

An account executive called from XXXX XXXX XXXX and implied that this loan was tied to a loan from XXXX College. My loans are in excellent standings, and XXXX College was closed due to fraudulent practices by the United States Attorney General XXXX XXXX office. Federal loan relief forgave private debt owed by students of XXXX College. 

Also see USA.GOV for further information on the fraudulent activities by XXXX XXXX and XXXX College. 

I am asking that each credit bureau be contacted and the information supplied and attached be investigated against XXXX XXXX XXXX who continues to open fraudulent accounts against me harming my credit profile and character. A Cease and Desist letter that is also attached was sent to XXXX XXXX XXXX requesting them to start reporing fraudulent activity on my account. If XXXX XXXX XXXX continues to falsely report on my account causing me further harm, I am asking the Financial Protection Bureau to assist with the law suit that will be filed against XXXX XXXX XXXX per " CONSUMER LAW. '' I am requesting that all three credit bureau 's stop reporting this fraudulent information and restore my credit score back to its original standing from all credit reporting bureau 's. Forty Four points or more have been unduly deducted from my credit score and I am requesting it be reinstated. 

Please see all documents attached! 

Thank you for your assistance in this matter. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted LVNV FUNDING LLC ON XX/XX/year> requesting a debt validation letter and they in return sent me a letter showing how much is owed and who holds the account in their office. Someone named XXXX XXXX did not acknowledge the debt validation letter or send out the information. 

Under the FDCPA debt validation letters are governed by the FDCPA, specifically 15 U.S.C. 1692g, This section of the FDCPA outlines the debt validation process, which requires debt collectors to provide verification of the debt when requested by the consumer. Here 's how it works : Right to Dispute : Under 15 U.S.C. 1692g, when a consumer receives an initial communication from a debt collector, they have 30 days to dispute the debt or request validation.

Debt Validation Letter : Once the consumer disputes the debt in writing, the debt collector must provide a debt validation letter that includes details about the debt, such as : The amount of the debt. 
The name of the original creditor. 
Verification that the debt belongs to the consumer.

Suspension of Collection : During this period, collection activities must cease until the debt is validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My address was removed from my account at Experian erroneously ( on their end ) on XX/XX/22. I have had issues with having it put back on for the past three months. I have a call log of multiple calls and email confirmation after the call, I have multiple cases that were open, spoke with several Supervisors and was not resolved. 
XX/XX/XXXX I applied for a loan and within 24hrs was called and told that they can not pull a sore for me. My report reflected a XXXX score and this is incorrect. 
Also due to address being erased it conflicted with my Experian boost account telling me it can not give me my free credit report and that my adress and lenders do not match. 
For the past 4 months my score is almost XXXX points different than my other two reports with the same information on all reports.
Product: Credit reporting or other personal consumer reports

In accordance with the legal principle " Notice to an agent is notice to a principal, and notice to a principal is notice to an agent, '' I am writing to you regarding the information reported on my credit report. 

I have received a copy of my credit report provided by XXXX, and I have noticed that transactions related to the XXXX XXXX XXXX account with the number XXXX have been incorrectly marked as late payments and reported by TransUnion, XXXX, and XXXX. 

According to FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports that contain only information about transactions or experiences between the consumer and the person making the report.

This means that consumer transactions are excluded from consumer reports. FICO and/or any other risk score or algorithm used to calculate a consumers credit score is not part of what defines a " consumer report '' under the law. The legal definition of a consumer report is as follows : Consumer report. The term " consumer report '' refers to any written, oral, or other communication of any information by a consumer reporting agency that relates to a consumers creditworthiness, credit standing, character, general reputation, or mode of living, and that is used or expected to be used in whole or in part as a factor to determine the consumer 's eligibility for : ( a ) credit or insurance for personal, family, or household purposes ; ( b ) employment purposes; or ( c ) any other purpose authorized under section 1681b of the title.

FICO or any other credit scoring algorithm is not defined or included in this legal definition of a consumer report. Therefore, the report of transactions between the consumer ( myself ) and the entity ( XXXX XXXX XXXX ) constitutes a violation of 15 U.S.C. 1681a.

Additionally, according to 15 U.S.C. 1666b, on the timing of payments : Timing of payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by Section 1637 ( b ), is sent or delivered to the consumer at least 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it May Concern I received a copy of my credit report. To my surprise you are reporting these accounts incorrectly. These Collections accounts is reporting not only as open but also shows a past due balance. According to the FCRA i have the right to a accurate credit report. Please remove these accounts immediately from my credit report. 
Per the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) you are required by federal law to clearly and accurately disclose all information in my file at the time of the request. Please respond with Verifiable proof of an original consumer contract with any signature that you have on file for the accounts listed. I am the victim of identity theft which resulted some accounts being opened in my name. I have filed a report with the federal trade commission and i reported the issue to the companies where opened. Please remove the following accounts which were opened by fraud within 4 business days per FCRA section 605B ( a ) 1. XXXX XXXX XXXX # XXXX {$1100.00} 2. XXXX XXXX XXXX # XXXX {$420.00} 3. XXXX XXXX XXXX # XXXX {$230.00} 4. XXXX XXXX XXXX # XXXX {$3700.00} 5. XXXX XXXX XXXX # XXXX {$270.00} 6. XXXX XXXX XXXX # XXXX {$230.00} 7. XXXX XXXX XXXX # XXXX {$160.00} 8. XXXX XXXX XXXX # XXXX {$54.00} 9. XXXX XXXX XXXX # XXXX {$160.00} 10.XXXX XXXX XXXX XXXX XXXX {$160.00} 11. XXXX XXXX XXXX # XXXX {$160.00} 12.XXXX XXXX XXXX # XXXX {$160.00} 13. XXXX XXXX XXXX # XXXX {$350.00} 14. XXXX XXXX XXXX # XXXX {$55.00} 15. XXXX XXXX XXXX # XXXX {$220.00} 16. XXXX XXXX XXXX # XXXX {$230.00} 17. XXXX XXXX XXXX # XXXX {$160.00} 18. XXXX XXXX XXXX # XXXX {$54.00} 19. XXXX XXXX XXXX # XXXX {$3600.00} 20. XXXX XXXX XXXX # XXXX {$160.00} 21. XXXX XXXX XXXX # XXXX {$6700.00} 22. XXXX XXXX XXXX # XXXX {$190.00} 23. XXXX XXXX XXXXXXXX XXXX  XXXX # XXXX {$620.00} 24. XXXX XXXX XXXX XXXX # XXXX {$330.00} 25. XXXX Account # XXXX {$5600.00} 26. XXXX XXXX XXXX # XXXX {$730.00} 27.
Product: Student loan

1. Mohela incorrectly informed me that interest beyond my Save plan payment would be subsidized by the dep of education even thought I am in forbearance. I spent 5 hours today to try to resolve the issue and was finally hung up on by agent XXXX. I requested a supervisor and she hung up on me. 

2. I want to know if I can go into repayment mode to take advance of the SAVE plan and make payments for now so my balance does not increase BUT have the option of going back on forbearance ( borrowers defense discharge ) if I choose to in the future. 

3. Due to the misinformation provided by Mohela, I want to go back to when my loans went into repayment and make the monthly payments retro actively so i can take advance of the SAVE plan benefits retroactively. Over XXXX in interest has accrued on my account which is not acceptable.
Product: Credit reporting or other personal consumer reports

XXXX giving XXXX and experian XXXX  days before I file a claim of unfair and deceptive practices Against XXXX for firstly never sending me method of verification for the the verified accounts Also for allowing Transaction history and experiences to be reported on my credit report which is a huge violation 15 us code 1681a ( I ) I proved to you guys in my last complaint which will be sent you as support documentation experian and XXXX will remove accounts removed non public accounts in XXXX days of receipt of this notice If experian and XXXX does not respond and refute this matter then that will be the contractual agreement that these accounts will be removed from credit report and I will not file a claim on experian and XXXX taking you to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX/ XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My concern is incorrect information being reported regarding the following. 
Tradelines. According to 15 USC 1681 section 609 states the CRA can not provide incoreect or erroneous information. 

I have the right to privacy. 

15 USC 1681b permissible purpose section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions According to the statutes listed the first violation is privacy my transactions should not reported or furnished without my wrutten concent. 

1. DEPTOFEDXXXX ACCT NUMBER XXXX Last Activity XXXX XX/XX/2023 XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Date Open XXXX XXXX XXXX XXXX Equifax. XXXX Creditor type XXXX Miscellaneous Education XXXX XXXX XXXX Equifax. Miscellaneous Finance
Product: Debt collection

A required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have proceeded to place a collection account on my consumer report This omission denies me the opportunity to verity the accuracy of the debt they claim I owe 1 I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( I ). This denial at the dispute process deprives me of my rights to challenge any inaccuracies or discrepancies regarding te alleged debt 3. IQ DATA INTERNATIONAL INC. has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 4. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CFR 1006,34 ( d ) and 15 USC 1681-S 2 ( 7KA ) I DATA INTERNATIONAL INC. is flagrantly disregarding consumer protection states. I demand that the Consumer Financial Protection Bureau investigate these egregious.
Product: Vehicle loan or lease

Hello, I have refinanced my loan with VW credit inc and the account was closed from XX/XX/XXXX. There was an over payment on the account of over {$2000.00} due to cancellation of service protections. I have called VW once or twice a week to get the status of my refund and every time it is a different story. I need my money back
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX7 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not sign any contracts with them
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, never gave ( XXXX, Experian, or XXXX XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am a victim of a wrongful Foreclosure by Wells Fargo. In XXXX two loans were made in two mortgages ( deeds of trust ) : XXXX XXXX ( now is Wells Fargo for {$140000.00} at 5.25 % fixed interest rate ) AND XXXX XXXX XXXX  then sold to XXXX XXXX XXXXXXXX/NOW Who??? ( for {$44000.00} with fixed interest rate at14.25 % ) for a grand Total of {$180000.00} in mortgages that were approved for a home that was appraised at {$100000.00}. So the Loan was Under Water. My father was the Sole/Primary Borrower. At that time I was advised by the XXXX XXXX Loan Officer and by my father as his Power of Attorney ( POA ) to sign underneath my fathers signature so that He could be approved for the Loan. It was agreed that he ( my father ) was Solely Responsible for paying off the Loan and IF he died while the loan was in process the Mortgage Loan Insurance and/or his Federal Insurance Death Benefit was to pay off the Loans. If that failed OR there was NO Insurance the Loan Debt was to be Discharged. When my father died XXXX/Wells Fargo took it upon themselves and switched the names and put me as a Co-Primary Borrower on their letters and correspondence of and about this Loan so when he died they can THEN claim me responsible for paying the Loan Debt Instead of Discharging the Debt off ( Which they can Legally do! ) The switching of positions of the names on letters of correspondence and other letters dealing with the Loan Account and using that as their avenue to seize the Deed of Trust and therefore place the home under Foreclosure and Evicting me and my XXXX sister from the home on XX/XX/XXXX XXXXTheir action also has resulted in negatively effecting my Credit Score and Report by giving me a Very Low Rating. Two ( 2 ) Very Important Questions are answered right here : 1 ) Did the lender change/remove/replace the Substitute Trustee without your consent or permission? Answer : YES, the First Mortgagor XXXX ( Now Wells Fargo ) did. 
2 ) Has the lender provided an actual Accounting of the debt proving that the company will sustain an ACTUAL LOSS IF the Debt Loan goes UNPAID? 
Answer : NO, Wells Fargo REFUSED to provide a validation. They claim it is privileged information. 
Since I was just my fathers POA I had NO say in the matter either way so Since he approved I had to approve as well. The problem here is when he died Instead of Discharging the Debt Wells Fargo made me responsible for the Loan saying that I was Co-Borrower of the Loan which is NOT TRUE!!!
Product: Mortgage

I have several problems to report with Ocwen Loan Servicing : I was laid off XX/XX/XXXX. I got in touch with Ocwen and applied for Mortgage assistance. After reviewing my application, Ocwen recommended a Trial modification forbearance plan, whereby my mortgage payments would be reduced to {$600.00}, due on the XXXX of the month, beginning XX/XX/XXXX and ending on XX/XX/XXXX. I made all payments on time as agreed to by Ocwen and myself. This program was recommended and sanctioned by Ocwen, yet they reported these payments as being late to XXXX, XXXX, XXXX, and XXXX credit agencies. Rather than offering a helpful solution, Ocwen has done long term damage to my credit rating. I am still working with credit agencies and Ocwen to resolve this dispute. 

I have not been able to find work in my field so I reapplied for a Loan Modification through Ocwen on XX/XX/XXXX. I meet the following eligibility requirements for HAMP loan modification : XXXX lien -Loan originated before XX/XX/XXXX -Primary residence -Property is XXXX unit and principal is below {$720000.00} -No previous HAMP modification -Payments exceed XXXX % of monthly income -The only criterion I do not meet is that the loan is not delinquent, however, considering my situation loan default is reasonably foreseeable. 

Ocwen called me on Friday, XX/XX/XXXX to tell me my application for assistance was denied. When I asked why I was denied, the caller said, " because the account is n't delinquent. '' I asked for more information or alternatives and was offered none. I have not received detailed information on why my application was denied.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the removal of fraudulent accounts on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.
Product: Credit reporting or other personal consumer reports

A fraudulent account ( credit card ) was opened under my name in XX/XX/2023 by XXXX XXXX, XXXX XXXX XXXX XXXX. I reported it as Fraud and the company closed the account, and found that it was fraudulent. They provided the attached documentation. I would like to have the activity removed from my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

The CFPB NEEDS TO INVESTIGATE THIS NOW!!! My name is XXXX XXXX DOB XX/XX/XXXX. When I spoke to the rep and paid this account in full once out of the hospital, he just me 100 % All that was owed on my account back to XXXX was a {$35.00} late fee that I filed a Reg Z dispute for and THEY NEVER RESPONDED!!!!! I ENDED UP WITH OVER A {$200.00} BALANCE OVER NOT PAYING A {$35.00} LATE FEE I DISPUTED. Then here is the best part- IT WAS WAIVED WHEN I PAID THIS ACCOUNT IN FULL BECAUSE IT WAS INVALID!!!! XXXX XX/XX/XXXX is in violation of UDAAP, Reg Z Billing disputes and FCRA! They continue to report my account past due for XX/XX/XXXX XXXX!!! They clearly know I had COVID in early XXXX and did not get out of the XXXX and back to normal until early XXXX!!! NO ONE WOULD TALK TO MY HUSBAND TO GET ME ANY HELP ON MY ACCOUNT!!!! THEY SAID HE WAS NOT ON THE ACCOUNT AND COULD NOT ASSIT HIM!!! HE THEN PASSED AWAY FROM XXXX IN XXXX BY THE TIME I COULD GET IN CONTACT WITH MY XXXX XXXX I HAD {$100.00} 'S IN LATE FEES AND MY CREDIT IS RUNIED!! They told me, oh had they been aware, there was options that could had prevented all of this!! Well my husband tried making them aware!! They would not talk to him!!! The same for my XXXX XXXX Account! I almost died from XXXX AND THESE XXXX UP LENDERS DO NOT CARE ABOUT THE CONSUMER!!! THIS IS UDAAP!! HOW COULD I WHEN ON LIFE SUPPORT CALL ANYONE AND THEY WOULD NOT TALK TO MY HUSBAND! ONCE I COULD, I PAID THIS ACCOUNT IN FULL AND THE COLLECTION REP SAID, MY CREDIT SHOULD BE CORRECTED, BUT I WOULD NEED TO FILE A DISPUTE FOR BOTH THOS ACCOUNT AND XXXX. HE SAID SOMEONE SHOULD HAD TALKED TO MY HUSBAND AND I SHOULD HAD BEEN OFFERED THE ASSISTANCE OPTIONS THAT WERE AVAILABLE!!! I PAID THIS ACCOUNT IN FULL AND THEY TOLD ME MY CREDIT SHOULD BE FIXED NOW FIX IT!!! I HAD TO XXXX MY DAUGHTER WHO DIED FROM XXXX LAST MONTH BECAUSE THESE CARELESS JERKS RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!! OH - THE REG Z VIOLATION IS THEIR FAILURE TO RESPOND TO MY BILLING DISPUTES I ISSUED TWICE!!