23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2022 a 10 day summons from a debt collection company called Outsource Receivables was left at my address for a debt in the amount of {$250.00} owed to XXXX XXXX XXXX of XXXX XXXX  for services received at XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022 The full amount of the debt was paid online through the hospital 's insurance company ( XXXX ) website. On XX/XX/2022 I notified Outsource Receivables office that the debt was paid and faxed a receipt of the payment to XXXX XXXX Billing Department per their instructions. Also, a few days later I disputed the debt collection account on my XXXX credit report and uploaded a copy of the receipt in the process to XXXX 's website. Now, the account on my credit report has an updated amount of {$760.00} and says the account is still unpaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consumer did not consent too nor authorize these inquiries that are reporting to my Transunion consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from Transunion. I did not give them my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Transunion sold my information to these corporations and got paid for the credit sale. Federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section 15 USC 1681n ( c ). I sent Transunion an identity theft report via USPS certified mail. Is Transunion above the law? How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. Transunion humiliated me to the public and damaged my reputation. Transunion decreased my score because of those inquiries that have no connection to me. If Transunion can provide me a copy of credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I have gone to therapy for my anxiety because of the fraudulent activity that Transunion let concur on my consumer report. Transunion stole my identity and sold my private information without prior consent.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 me 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. 

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 XXXXXXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Upon reviewing my reports, the incorrect accounts was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance Owed : {$910.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$970.00} ; XXXX XXXX Balance Owed : {$110.00} ; XXXX XXXX Balance Owed : {$46.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$36000.00} ; XXXX XXXX XXXX Balance Owed : {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute letter for incorrect information XX/XX/2021 and the credit bureaus have not replied in the 30 days. I am requesting an investigation into this matter. 
I disputed the following items to be removed from my credit file from Transunion, XXXX and XXXX. 
Incorrect names Incorrect addresses Past employers inquires that are outdated Debts that are not mine : XXXX : {$1900.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$710.00}, XXXX {$10000.00} Several Inquires XXXX XXXX ( 4 ) XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX ( 1 ) I am requesting these items be removed I am requesting these items be removed from my credit report
Product: Credit card or prepaid card

A scammer logged into my account on XX/XX/XXXX online checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau date the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : * A copy of my credit report I received from your company. The fraudulent items are circled. 
* A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/22 at XXXX received a text message that was suspected phishing. I do not have a Wells Fargo account. 
The text stated WeIlsFargoAIert : on XXXX {$44.00} at XXXX XXXX, Not you? Visit us at XXXX XXXX XXXX? secure The number sending the text is XXXX ( XXXX ) XXXX Thank you
Product: Credit reporting

We have sent the bankruptcy forms to the credit agency and the accounts do not show paid they show and outstanding balance and the mortgage account shows foreclosed and it was included in the Chapter XXXX bankruptcy with both mortgages on our credit .On XX/XX/XXXX, we filed for chapter XXXX bankruptcy, at the time we surrendered our house back to XXXX XXXX XXXX , previously XXXX XXXX XXXX XXXX XXXX our mortgage loan. XX/XX/XXXX, during our chapter XXXX bankruptcy XXXX XXXX XXXX sold our loan to XXXX on XX/XX/XXXX. XXXX foreclosed on our house in XXXX of XXXX. Our bankruptcy was XXXX in XXXX XXXX, XXXX. Now XXXX XXXX XXXX is reporting our mortgage on our credit report and XXXX is reporting it as a foreclosure XX/XX/XXXX. Our credit score has dropped XXXX points since XXXX started reporting the foreclosure XX/XX/XXXX. Please help us, this mortgage was included in our chapter XXXX bankruptcy and is the only reason we filed. It was our understanding that the mortgage loan was supposed to be marked in bankruptcy on our credit report. Our credit score has taken a hit with the Chapter XXXX bankruptcy ( the house loan was included in the bankruptcy ), and now we are taking another hit with the foreclosure reporting ( it is not being reported as included in the bankruptcy that has been discharged ). XXXX XXXX XXXX and XXXX are both reporting the same mortgage loan that was discharged in the bankruptcy on our credit report. I am attaching documentation supporting our bankruptcy. 
I am attaching several of our bankruptcy forms to support our story. We hired XXXX to help us with this situation and still have not seen results from any letters sent to the credit agencies. We do n't know where else to turn. We have spent many hours trying to get help with this situation. 
Our contact information is XXXX XXXX SSN # XXXX XXXX XXXX SSN # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX Email : XXXXXXXXXXXX XXXX loan # XXXX XXXX loan # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Thank you for assistance in this matter. 
XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I paid my XXXX XXXX account off on XX/XX/24. They stated if I entered into a payment arrangement {$24.00} would be forgiven and they would report this to the Credit Bureau as paid in full. Also it was a payment arrangement for 1 day. I have all the proof to support my complaint. XXXX XXXX refused to send me a paid off letter and I was told to use the email I received in regard to making the payment. I sent this info to Experian 2 different times, 2 different disputes and they refuse to correct it on my credit report. They keep stating on my credit report that I have a balance due of {$24.00} and that is not correct. How is it a balance due if the {$24.00} was forgiven. At this point I just paid the {$24.00} to XXXX XXXX even though it was forgiven since Experian refused to correct my credit report. I will be reporting Experian and XXXX XXXX to the XXXX  as well. I am just trying to get my credit in good standing and pay my debts, but Experian is making this really hard for me and maybe others. This is really disgusting that Experian is allowed to do this to people.
Product: Mortgage

In XX/XX/year>, I entered a contract with XXXX XXXX XXXX for the purchase of a new home. This was for a new construction home that would take about XXXX  months to complete and was located in the XXXX XXXX subdivision in XXXX, Texas. The address of the new home was XXXX XXXX XXXX, XXXX, TX XXXX K Hovnanian American Mortgage was doing the mortgage. 

I paid XXXX XXXX {$5000.00} for XXXX money, {$1500.00} at the design center and {$210.00} at XXXX for a total of {$6700.00} I was approved for the mortgage with the contingency that I sell my current home. I asked the K Hovninian mortgage company if I could lease my home and I was told no. Please look at the email dtd. XX/XX/year> that says " After looking further, you guys will need to sell ... '' While XXXX XXXX said that I could not lease my current home, many other mortgage companies that I applied with during that time period, did say that I could lease my current home. XXXX XXXX, XXXX XXXX XXXX XXXX are XXXX examples of other mortgage companies that approved me for a mortgage with the ability to lease my current home. I have included emails or pre-approval letters from these mortgage companies that state I could lease my home. 

When the house was completed about XXXX months later, I did not have my current home sold ; therefore, XXXX XXXX canceled the contract and kept my money. I believe that my current home did not sell because of the high interest rates. Many of the new home builders in the area were undercutting interest rates with rate buydowns. That made a new home more appealing then an existing home even though I was priced below new construction. Had I had the ability to lease my home, I would have had 6 months and a decent chance of finding a tenant, but I was denied the ability to lease my home by XXXX XXXX. 

When XXXX XXXX cancelled the contract, they then decided that I could lease my current home. Why the change? Please look at the attached emails that are dated in XXXX stating that I could now lease. 

After they cancelled the contract and about XXXX weeks later, they sold the house to someone else and used the design center money that I paid to make changes to the house for the new buyer. 

Additionally, the closing date on the new home was changed several times. That makes it hard for a buyer to know what to do. 

I believe that XXXX XXXX messed up my mortgage from the beginning. They put a condition on the mortgage and then denied me the ability to meet that condition. They should have allowed me the ability to lease my house as everyone else did. I believe that they should be accountable for their mistake and return my money.
Product: Mortgage

We have been arguing with Bank of America over the balance due on our Mortgage for over Three ( 3 ) Years. They refuse to correct the errors and continue to assess unlawful charges and fees. Furthermore, we have a fixed rate and they send us a different amount to pay regularly.
Product: Credit reporting or other personal consumer reports

Experian, itself is furnishing information on my consumer report without participation of the said companies. For example, when I contacted XXXX XXXX  if they furnished inquiry on my consumer report, they said no but Experian is publishing the said report. The is falsification of information and identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

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 an account without my written instructions.
Product: Debt collection

Accounts Account Name Account Type Open Date Status Balance CREDITACPT Auto XX/XX/XXXX Closed {$300.00} Account Details Last Reported XX/XX/XXXX Creditor Name CREDITACPT Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 42 Months Monthly Payment {$250.00} Responsibility Individual Balance {$300.00} Highest Balance {$7100.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due {$300.00} Times 30/60/90 Days Late 0/0/0 Remarks Payment after charge off/collection Returned voluntarily Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. 


Creditor Contact Details CREDIT ACCEPTANCE CORPOR XXXX XXXX XXXX, MI XXXX Above I have sent my credit report on the issue regarding to my voluntary repossession in XX/XX/XXXX. Now in are present date my checks are still being garish ; as u seen above it stated that my last payment was on XX/XX/XXXX which is not current cause my employer pays me weekly. Also my balance say {$300.00} and previous my check on XX/XX/XXXX was garish. If my paid weekly and last payment was XX/XX/XXXX I 'd over paid and still getting my checks garish.
Product: Mortgage

We have a 30-year conventional mortgage with FreedomMortgage. Like many other Americans, we have been hit with higher expenses due to the COVID-19 crisis and are having difficulty meeting all of our financial commitments. We became aware of the 6-12 month forbearance program as part of the CARES act and contacted FreedomMortgage by telephone in early XXXX to inquire about this option. I was told by a representative at FreedomMortgage to complete a COVID-19 forbearance request form and email this to them, which we did on XX/XX/2020. I followed up with FreedomMortgage by telephone on XX/XX/2020 to confirm their receipt of our forbearance request and was told they had nothing on file. I was placed on hold for over an hour while the representative presumably researched our request. At that time, I needed to disconnect the call to return to work. To this date, we have received no confirmation of receipt of our request for forbearance, nor approval of the same and FreedomMortgage is sending us dunning notices with threats of late fees.
Product: Mortgage

The owner died unexpectedly in XX/XX/2021. My office was hired to probate the Estate. We have been diligently working on this probate which has real estate in Massachusetts and Rhode Island. That is to say it is complicated and takes time to process through the courts. We were able to get the RI property listed a couple of months ago and had to drop the price several times. We are now in the process of requesting a short sale. The first lienholder would receive most of what they are due but the 2nd lienholder would not. This is another time consuming process. We requested the foreclosure be postponed and the primary lienholder denied the request. This is the 1st foreclosure sale date and the property will sell for far less than what is owed to the primary lienholder at auction. In addition, the heir and Administrator has put a great deal of time, money and energy in preparing the property for sale. Under the XXXX case, I believe the lender has to give you the opportunity to sell it privately when you have a Bona Fide Purchaser.

We need help in getting this postponed so we can perform our fiduciary duties to the estate and the heirs.
Product: Debt collection

The account is not my account and I have never had any business with Duvera/ XXXX XXXX  XXXX. I sent a letter regarding this debt collection attempt to this company indicating that this debt is not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that I have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a legitimate signature and state issued ID validating that I authorized this account. I have attached a copy of my ID Theft report and letter.
Product: Debt collection

I noticed a collection account on my credit report from the collection company Financial Assistance which looked a bit odd to me because the balance is still being reported by the original creditor, XXXX XXXX XXXX and the reported dates weren't right. After disputing the collection account with the credit bureaus and they did not resolve my dispute, I wrote a letter to Financial assistance to the address listed on my credit report and asked them to validate the debt that they are reporting and they did not respond to my request for validation. After checking my credit report I noticed they are still reporting this account even though they did not validate it. I sent them a follow up letter requesting they delete the account because they failed to validate it and they did not respond nor have they deleted the reporting. I researched this issue on your website and the FTC website and I found quite a bit of information regarding violations of the FCRA and the FDCPA and this company has committed multiple violations. They are listed below : 1. Failure to respond to debt validation 2. Still reporting to the bureaus within 30 days without validating I feel like I have done all I can do on my own and I really need your help. Maybe they will respond to you guys. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions
Product: Debt collection

Common Wealth Financial Systems XXXX XXXX XXXX XXXX XXXX, PA XXXX This company placed an inquiry on my credit for an account I have never heard of. It is also from 5 years ago. They first stated it came from XXXX XXXX XXXX, then physicians office. No communication or attempt to communicate on the debt was ever made. Just a hard inquire to my credit, tanking it 100 points. When I called to discuss not only are these people very rude but both XXXX & XXXX and super nasty! This company has never once called or reached out to me. XXXX stated they mailed a letter to the address listed on the account from 5 years ago. How do these people just go around messing with someone life with out properly verfiying if that is even there debt. Giving them the chance to pay if in fact it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.