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

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

Property was Foreclosed while under protection of Active Bankruptcy Chapter XXXX I was in default on my mortgage due to unemployment. I filed for bankruptcy protection under Chapter XXXX. In XX/XX/XXXX, while in Chapter XXXX, my Bankruptcy attorney had a medical emergency and several of his cases including mine, slipped through the cracks and were dismissed in error on XX/XX/XXXX. An attorney stepped in and filed a motion to vacate the dismissal of the BK on my behalf. At a court hearing on XX/XX/XXXX the judge approved the vacating of the dismissal of the bankruptcy and the bankruptcy was reinstated. On XX/XX/XXXX Nationstar Mortgage, dba Mr. Cooper foreclosed on my property while I was still under the protection of the Bankruptcy stay. As of today, XX/XX/XXXX, I am still under the protection of the bankruptcy and they are proceeding with trying to evict me and they do not have a right to do that. Under the BK statute all attempts to collect a debt must cease. 
I am now employed and will be working full time and do not want to give up the home I worked so hard to keep.
Product: Mortgage

Our XXXX XXXX XXXX loan was purchased by BSI Financial well over 2 years ago while we were in the process of trying to modify our loan. Since then, our family has gone through hardships that make it impossible for us to make our loan payments due to my health issues and inability to maintain full time employment. We have filed for bankruptcy and are no longer in the financial position to keep our home. In the process of trying to rebuild our lives and repair our credit we have been attempting to short sale our home for almost one year. We have presented over XXXX solid offers to BSI financial, of which none have been acceptable to the " investors ''. Our interactions with BSI financial representative, XXXX XXXX of the Maryland office have been highly unprofessional, demeaning, and disrespectful. Our full loan balance excluding fees is {$500000.00}. We have currently ( as of XXXX/XXXX/2015 ) presented a cash offer for review for {$540000.00}. In our last contact with BSI representative XXXX, he stated that only full loan value offers would be accepted by BSI. This process has been highly frustrating to say the least and I feel that it has been the intention all along for BSI to force us into foreclosure. To further add insult to injury, my husband recently lost his XXXX job and is XXXX with the military. We have not received a response from BSI.
Product: Student loan

I am writing to formally address a matter concerning a loan originally associated with my sons financial aid at XXXX XXXX, a school that has been closed for over 10 years. I had previously provided my personal information to the creditor in order to assist my son with securing financial aid and a loan. However, I was informed that the account related to XXXX XXXX had been removed from my credit report due to the closure of the institution and any associated debts not being pursued.

Recently, I have noticed that this account has resurfaced, and I am now being contacted relentlessly for payment. I had consistently reminded them that the school has been shut down for more than a decade, and, as I mentioned, this account was previously removed from my credit report.

Given these circumstances, I respectfully request a full review of this account. Additionally, I requested that they cease the constant phone calls, as they have become an undue burden and are causing significant distress.

Thank you for your prompt attention to this issue.
Product: Prepaid card

I am a Victim of identity theft when I finally received my bank of America card with my benefits the balance was XXXX. I have contacted unemployment but because funds were dispersed to Bank of America and were fraudulently used or transferred from a Bank of America account thats where I should receive my reimbursement from
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 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 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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX  XXXX XXXX Balance Owed : {$870.00}
Product: Credit card

My minimum payment of {$80.00} was due to American Express on XXXX/XXXX/15. I made the payment early on XXXX/XXXX/15 in the amount of {$3000.00}. I had already made my XXXX payment on XXXX/XXXX/15 in the amount of {$100.00}. They applied BOTH payments to the XXXX payment even though the XXXX/XXXX/15 payment was after the due date and then considered the XXXX/XXXX/15 late. I contacted them when I received notification of a late payment and a late fee of {$27.00}. I explained to them the {$3000.00} payment was the XXXX payment and they needed to apply it correctly and remove the late fee. They told me the system would n't let them move the payment to XXXX nor would it let them remove the late fee. I spoke with XXXX different levels of customer service as I was completely stunned that they could not do this. They said they understood but just could n't do it. They also advised me I would get an increase in my XXXX due to this late payment. I received that letter in the mail telling me I had a mandatory rate increase due to late payment. I also was told I had to pay {$150.00} and the late fee by XXXX/XXXX/15. I stated I was concerned about them reporting delinquency to the credit bureau when this was all their system 's inability to move a transaction from XXXX month to another.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( XXXX U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment in question was made on time, as evidenced by the attached bank statements and payment confirmation receipts.

There may have been a clerical error in reporting the payment due to inconsistencies between my payment records and the reported information.

I have confirmed with my creditor that the payment was processed within the allowed grace period.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX  [ XXXX ] XXXX : XXXX XXXX [ XXXX ] Transunion : XXXX XXXX [ XXXX ] I am in disagreement with the account listed below which still appears on my credit report. 
This is Aggravated identity theft according to 18 U.S. Code 1028A.n
Product: Debt collection

During my mammogram visit with XXXX XXXX Hospital, I provided my insurance information to the XXXX representative. XXXX paid the bill and I assumed everything was fine. Later, I received a collections notice. I spent 3 days speaking with XXXX and XXXX reps. After receiving the payment information from XXXX, I called the XXXX XXXX and gave them the information as well as the extension number for the XXXX XXXX. I asked XXXX to call XXXX. I assumed it was taken care of. I recently received another notice that my account has been submitted to collections ( XXXX XXXX XXXX ) again. This bill has been paid by XXXX and I have tried to resolve the problem with XXXX. I can only assume that XXXX has credited someone else 's account with the funds from XXXX intended for my account, but I am out of options on how to resolve this problem.
Product: Debt collection

CKS PRIME INVESTMENTS LL claims that I owe them {$700.00} plus dollars. this is fraudlunet as I paid the origional creditor the amount the balance due.
Product: Debt collection

They call 4-6 times a day on my home phone and on my cell phone. They are both on the do not call list. They call from different phone numbers that have been reported as scams and do not answer. The area codes either do not exist or do n't work. I have blocked one of the numbers so far. The companies name is Portfolio recovery. You can not call any of these numbers back they are disconnected. The numbers are XXXX, XXXX, XXXX. I did see other numbers on all of the pages with these numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries and personal information were inaccurate and unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Bureau 's investigation. I have already addressed this issue to the Bureaus but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries and personal information that should be removed : Addresses XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, OH XXXX Employer XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXXXXXX XXXX
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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Bureaus Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00}
Product: Credit reporting or other personal consumer reports

This account has fraudulently appeared on my credit report without any notices or proving to me this is mine. I have been in contact with XXXX XXXX XXXX and advised them this is not an auto loan or a credit transaction, even filed complaint with XXXX  and still no resolution. Let me clarify, this does not belong to me XXXX XXXX XXXX # XXXX {$180.00}. I have even attempted to dispute with Trans Union because this was never validated. I never received any information and this is still on my file. { By law, the consumer reporting agency shall efficiently provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller ). This was not done. I will seek legal counsel against Trans Union if this is not rectified.
Product: Mortgage

I have filed a suit against XXXX XXXX concerning my home. The note and mortgage was cancelled in XXXX of XXXX. XXXX XXXX seven years later tried to claim the note. I have filed complaints against them several times with your agency ( CFPB ).  Since then I found out between the months of XXXX and XXXX of XXXX. They filed foreclosure against me and in return I filed a suit that is pending. Around XXXX of XXXX, XXXX XXXX claim they sold the note to XXXX XXXX XXXX. I also filed a complaint with your agency ( CFPB ) against them also. During my suit I requested Temporary Restraining Order ( TRO ) until we could solve our disputes. They then removed my case from District Court to Federal Court around XX/XX/XXXX. I requested a TRO with the Federal Court but It was less than a week before the foreclosure and I had to file Chapter XXXX Bankruptcy. My case is still pending, but while the issues of this suit is still active XXXX XXXX XXXXXXXX sold the note to Caliber Home loans. I have filed around five Qualified Written Request to put them on notice that I do not have a contract with them and my note and mortgage is cancelled. 
I now believe all of the Servicers of this ghost loan is defrauding me. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and Caliber Home Loans. 

I am now filing this complaint against Caliber Home Loans, because of Mortgage XXXX and Fraudulent conveyances. I have no contract with them and owe them nothing. They continue to harass me and violate the RESPA rules.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the tile of a consumer that the consumer identifies as in information that resulted from an alleged identity theft, no later than XXXX business days after the date of receipt. It has been XXXX  days and you are in XXXX of this law because I am a victim of identity theft! Please delete items immediately. 

These accounts should not be furnished on my consumer report as they are in violation. Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection in any consumer report agency may tarnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer whom it relates, I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer, I am requesting deletion of all negative reporting accounts immediately. Thank you for your time.
Product: Credit reporting or other personal consumer reports

In reviewing my account I noticed that the information that is listed on my credit reports is extremely inaccurate in various fields. While I understand mistakes can happen unfortunately when it comes to financial data and credit reporting this is one industry where mistakes can cost the bearer extreme harm and distress. With account being closed and the furnisher is not responding to my dispute I request that the account is deleted due to all of the inaccurate information in the following fields : Account XXXX, date last active, Payment History, Past Due, Payment Status Additionally there are several late payment indicators listed, which make no sense as to the best of my knowledge all payments have been submitted on time however seeing as I haven't been receiving my statements its nearly impossible for me to know the accuracy of the payments received. It merits mentioning again, although I understand mistakes can happen the fact remains this misreporting of information to my credit report has caused me serious harm and also constitutes a violation of federal law, specifically 15 USC 1666b ( a ). I have not received a statement to my address on file as is a requirement under the law.

This dispute will serve as notice of the inaccurate information that is on my credit reports for this account as well as the opportunity for your company to correct them without any additional action/enforcement on my behalf. The account information on the account in question is listed below : XXXX XXXX : XXXX I have attached a copy of my ID and billing statement for verification purposes.
Product: Money transfer, virtual currency, or money service

I had received a package first class, in the mail, the next day. After making a checking account with little to no funds in my bank account. What was in the package surprises me, checks! Three solid books of checks. I am XXXX  XXXX in debt and broke and needed checks? Especially when covid-19 took my job, my rent payment, electric bill payment and poverty stickered me sick. I had no choice but to bounce and fraud  checks with banks and stores to get by. I needed to eat, maintain a level of health and hygiene and keep up on day to day living. Now I didn't ask for blank checks at all or any form of check but three. I am so broke i needed to write checks to myself. Please help.
Product: Debt collection

Started monitoring my credit report and discovered this company that I am not formular with at all. I believe this is a part of fraud. Can you please validate this this debt? I need to see a written contract with my signature and a agreement between myself and this collection agency. I would also need to see all transactions made to this debt.
Product: Debt collection

Firstly, thank you for taking your time to review this and I understand my complaint is just one of hundreds that you guys read on a daily basis.

I was checking my credit report because my little family and I are looking to buy a house for the first time, that's when i noticed i have derogatory mark that shouldn't be on my credit report. 

Derogatory Mark Info : 1 ) The original creditors name - 12 CONNS RETAIL 2 ) Account opened -  XX/XX/XXXX 3 ) Account Status - Open 4 ) Remarks - Placed For Collections 5 ) Amount Owed - {$930.00} Back Story : Back when I was in school, I was irresponsible with my credit because i made a purchase at Conns Furniture Store for my brother. I put a Flat Screen TV and surround sound system on my credit for his living room because he told me he would make the payments. Later on, my parents and I found out that he sold the TV and Surround Sound System to by XXXX. This was hard news for me because my own brother was XXXX to XXXX and hurting the family, so my parents put him into XXXX   in hopes that he would get clean. He has been in and out of XXXX  and is still fighting XXXX. 

I apologize for unloading this XXXX story on to you but this issues has been haunting me in more ways then one. 

Conclusion : 1 ) I made the Conns Purchase back on XX/XX/XXXX 2 ) I have already payed off these debt collections 3 ) I gratefully ask this negative remark to be removed from my Credit Report Thank You, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Green Sky is false reporting to the credit agency that my account is still open and I that I have a balance. I do not have a balance with this company and this account is paying in full they keep reporting to the credit agency like i've only made one XXXX payment which is not true the account is paid in full and should reflect that. I filed several disputes and they keep lieing to the credit agency. They need to fix or face legal action.