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

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and 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 to be removed/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. 

I have requested proof that this information was mailed or delivered XXXX 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!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 13. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX. XXXX, XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Debt collection

Identity Theft/ Mail Fraud filing ; homeowners ' not in foreclosure ( XXXX ). 
NC DOJ # XXXX XXXX - Citibank ( 2 ) Accounts - Debt placement and amount confirmation
Product: Debt collection

Portfolio recovery bought and has attempted to collect a debt after the debt was more than three years old. They wont send documentation that the debt is valid. It was two accounts with XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I started an online chat with my Mortgage servicer ( Flagstar ) asking about how to remove the PMI from my loan. At that time my LTV ratio was 81.596 %. 
On XX/XX/XXXX I started another online chat with my Mortgage servicer asking more info on options/ways to remove the PMI. One option they indicated was if we had made significant improvements to the property, thereby increasing its value. We had done this, so I submitted the paperwork with full details on all updates we made ( full kitchen remodel and a bathroom remodel, plus an office added ). 
On XX/XX/XXXX I submitted the paperwork to Flagstar via email, per their instructions. 
On XX/XX/XXXX I received a robotic denial letter from Flagstar. In the letter, they indicated my LTV ratio was too low to allow for the PMI removal. They indicated my LTV was 81.3 % - or, exactly my loan balance divided by the original XXXX appraisal value. It was clear that they did NOT even look at or factor in the substantial home improvements we made. We put {$25000.00} in improvements to the property and they ignored this on my request and apparently just did an instant reject. 
On XX/XX/XXXX I wrote a letter attaching all proof of what is listed above ( chats from Flagstar, my original PMI removal request and the updates we did, and their reject letter ). In my letter, I showed them that we put {$25000.00} in updates, and even if we used 100 % of that total, 75 %, 50 % and even only 25 % of the money we put in to fixing it as " added value to the property '', our LTV ratio would indeed be well below 80 %, qualifying us to have the PMI removed. 
I sent this letter via certified mail on XX/XX/XXXX. 
On XX/XX/XXXX I also sent a copy of the certified letter to the email address that assesses the PMI removal requests. 
After a month had passed, I still had not received any reply to my letter. 
On XX/XX/XXXX I sent a follow up email indicating I had received no reply to my certified letter. 
I am submitting this formal complaint, as I feel we have been completely ignored and unfairly denied the PMI removal. Unless I am missing something else here, the mortgage company has been unhelpful, making me jump through hoops and ignoring my requests and letters. I have to continue to take time out of my day to keep following up, or putting evidence together, only to have no replies or answers.
Product: Debt collection

XXXX XXXX XXXX has inaccurate information reporting to the credit bureau 's regarding a medical bill that is not mine. I have disputed these accounts twice and they are not giving me the info I have requested.I was in an accident and this was paid for by my attorney, throught the other party 's insurance company. The letter below is what I have sent them and the 3rd party company has not responded to my requests. The account number for this 3rd party creditor is XXXX amount {$2100.00} The letter below is what was sent to them regarding this account XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit from XXXX XXXX  in the amount of {$2100.00} Account # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I requested a transfer of funds from XXXX to my recipient on XX/XX/2023 and they sent me a message saying the funds were deposited into my recipients account ( documents enclosed ). My recipient said he did not receive the funds so I reached out to XXXX  several times via chat to find out how to resolve the problem ( documents enclosed ). I sent them the bank statement ( enclosed ) as they requested and heard nothing back. I called last week to find out what the status of my refund was and they said the funds should be back in my account in 3 days. The funds have not been returned and they keep making promises they do not keep. This has been going on so long that I do not think they plan on refunding my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Dispute in regards to the incorrect items on my credit report with Credit Bureau XXXX on XX/XX/2022. It has been well over 30 days and I haven't received any investigation results. 

Incorrect Items : LVNV Funding LLC, XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

i am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following inaccurate information to be updated and corrected right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. q681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

The Maury Cobb Attorney firm is responsible for collecting a cell phone debt that I have with XXXX. When I left XXXX, I was told by the XXXX representative that as long as I paid {$30.00} per month, my account would not go into collections. This did not turn out to be the case. A representative from the Maury Cobb Attorney 's office has been calling myself ( XXXX ) and my wife ( XXXX ) a minimum of once but usually two times every day despite having setup a the same payment plan of {$30.00} per month with them.
I had the conversation with two different representatives regarding my payment plan over a two week period. I asked the second one if they were planning to continue calling me even though we set up a payment plan. Their response was yes. At this point, I informed the individual that I did not intend to answer any additional phone calls from the law firm as I am paying my bill as agreed. They stopped calling for a couple of days, but then have started back to calling at least once per day. Calling both myself and my wife daily at least once but usually twice seems like it would categorized as harassment. I hope that you can help me out with this matter. Here are some of the phone numbers that call me daily : XXXX, XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told my credit was going to be ran once for auto loan it then was ran multiple times through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent a letter to the credit bureaus ( XXXX, Equifax and XXXX ) on XX/XX/2022 and they received each letter on XX/XX/2022 to remove incorrect addresses, phone numbers and past employers. I also sent a copy of my social security card, ID and proof of address which was on my ID and an Electric bill showing my address. It's been over 30 days and the incorrect information is still on my credit report. 

according to 15 U.S. code 1681i- procedure in case of disputed accuracy, the bureau failed to complete a proper investigation of my personal information and violated the FCRA XXXX
Product: Credit reporting or other personal consumer reports

The following accounts need to be removed. 
XXXX XXXX  does not look familiar to me nor does the XXXX XXXX XXXX. XXXX was closed and completed and needs to be remover also. XXXX  doesnt sound familiar and XXXX  was completed.
Product: Debt collection

i have responded to GM Finanicial about this negative item on my credit report and they have not validated the item with my signature and has violated the FCRA by not validated within the 30 day time period since XX/XX/2018 an i have documents to prove it
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I wrote a letter to Equifax, requesting that they update a debt I had with XXXX to reflect a Zero balance. I sent them the payment receipt, letter from the Branch Manager where I had the service, and a letter requesting that they update my balance to reflect this debt has been settled. Equifax investigated, and left the debt the same. I settled the debt, and I expect my credit to reflect the update. I should not have to constantly write letters, and go on this site to have my information properly updated. XXXX and XXXX updated the information. Why is Equifax unwilling to update my balance with XXXX from XXXX to {$0.00}? The problem that I have with these credit bureaus is who are they verifying the debt with because why are consumers constantly complaining about these credit bureaus. Why am I able to settle the debt with the company, and provide them with the payment info, resolution letter, and they still refuse to remove this erroneous incorrect information from my credit report? 

I do not believe equifax even performed a thorough investigation into the debt or my documents.
Product: Payday loan, title loan, or personal loan

I've talked to a couple of people at the loan company. I know its not their problem but I've asked if they have some type of program that I can pay at a later date because I'm having health issue and dealing with my mental health right now and I'm not doing to good. It's always no to everything. No help, no working with you. It's you have to pay this now or we suing you. They call 3 times a day from different numbers. Leave countless voice mails and sent a certified letter made me sign it threatening to sue. Then came to my house with my children home alone and left a note on my gate that they are going to sue. There is no talking to the manager because he speaks very I'll and nonchalant as he doesn't care. I've asked to allow lower payments or pay a little at a time of what I currently had. I was told no that it has to all be paid they can't take any partial payments.
Product: Money transfer, virtual currency, or money service

I was in the process of buying a house. I received a fraudulent email with wiring instructions from what appeared to the closing company. The day before the closing, I went to my bank XXXX XXXX to wire the funds to the account provided. The account was a Bank of America account. The funds were sent to the account provided but the name that was sent in the wire was not the same as it was requested in the wiring instructions. The next day ( about 24hours ) after the original wire transfer, I found out about the fraud and went to my local XXXX XXXX branch to open a case # XXXX and recall the funds from Bank of America. I opened a case with the local sheriff 's office ( case # XXXX ), and an XXXX complaint with the FBI. I called Bank of America and they refused to talk to me. BOA refuses to send the funds back. BOA is also refusing to cooperate with the local law enforcement on the case. The funds lost is a substantial amount over $ 21K. I am at the end of my rope as I feel that there is nowhere to turn as banks appear to have all the benefits and none of the responsibility to their customers and the law.
Product: Mortgage

XX/XX/2018 - My Mortgage Company Freedom Mortgage has reported late payment ding to my credit report indicating that I was late on my mortgage payment. 

However at no time did they inform that my mortgage payment late or was not paid or was short. Nor did they invoke a late penalty on any mortgage statement which each statement says that they will. 

So no notification and no late penalty fee - but a arbitrary ding to my credit report which crashed my credit score. 

Thanks
Product: Credit card

Chase Freedom has refused to lower my credit card interest rate for the last two years plus from their highest obscene rate of 29.9 %. I have n't missed a payment or been late with a payment in three years. Last time I asked they said the rate was based on my original application guidelines. I 've had this card since 1990. How is it possible that I 'm tied to guidelines from 26 years ago when everything else in banking and credit card regulations has changes numerous times.
Product: Vehicle loan or lease

I had a vehicle loan with XXXX XXXX that I tranfered to Navy Federal for a lower rate. Navy Federal sent me documents to be completed to transfer the title. I signed the documents and sent the information back to Navy Federal. I received a text today stating my rate would be increased, then 20 minutes after the text the vehicle title was delivered by XXXX to my home.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against PROCOLLECT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Debt collection

I am a victim of identity theft. It appears someone gained access to my personal information and opened a loan with Lending Point company. I had to terminate my checking and savings account with XXXX XXXX  due to this identity theft because funds were being transacted via my financial institution without my knowledge or consent. 
Date of XXXX account termination XX/XX/23. 
I have spoken to a Lending Point representative over the phone and explained that my identity has been stolen and I did not apply for a loan with Lending Point. 
I have contacted the XXXX credit report companies and informed them of this identity theft. 
I am still getting phone notification from XXXX XXXX company currently. 
Please assist with possibly rectifying this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Tuesday XX/XX/2020 I received a notification from XXXXn about a change to my credit account. When I logged in I saw 7 negative collections accounts on my credit report, all for private student loans taken out between XXXX. There has been no payment activity on these for 10+ years. Around the time when I was looking to purchase my house XXXX years ago the same thing occurred. I can't recall if it was the same company but they attempted to add collections accounts to my credit report which I disputed and put in a complaint with the cfpb. They subsequently removed all credit reporting, acknowledging that the debt was well past the statute of limitations. Seeing as that was nearly 3 years ago now the status of the debt has not changed and no additional payment activity has occurred that would have reset the clock. I am attempting to dispute the accounts through the various credit agencies but I would also like to file this formal complaint in the hopes that their illegal reporting of old debt might be investigated at a future date. 

The collection agency 's information is as follows : Dynamic Recovery Solutions , LLC XXXX XXXX XXXX XXXX, SC XXXX phone : ( XXXX ) XXXX email : XXXX XXXX