23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently contacted by an occupant of a address I used to receive mail at, when I was XXXX. They informed me that mail has been coming to that address for me for a while now. I was unaware because I no longer use that mailing address. So I contacted the USPS about the situation, and was advised to have my mail forwarded to me directly. Once I did that, I started receiving bills and debt notices that I didn't recognize. So I requested my credit report bc I haven't used credit in years. When I got my report, I noticed accts that I did not recognize or authorize. 

My car was broken into back in 2017, and myself and my childens ' personal info was compromised, which I have the police report from the incident, and will include as an attachment to this report. I am a victim of identity theft, and I'm now experiencing financial injury, due to these fraudulent accts reporting on my credit profile. In addition to my personal information being stolen, I was also notified by several companies of my information being exposed in data breaches by Experian, XXXX XXXX, and XXXX, which I feel could possibly be another contribution to my inaccurate credit reporting. 

I have previously filed a complaint report with the CFPB and the XXXX, in reference to getting this matter resolved. I have contacted the credit agencies, and the companies reporting the fraud, directly, to no avail. 

This is my third attempt to have these inaccurate items removed from my credit report. This time I will be sending official documentation of correspondence, by way of certified mail, to the companies and credit agencies that are responsible for reporting these fraudulent and inaccurate marks on my credit and public profiles. I will include a copy of this report, my FTC report, Police report and affidavit in my correspondence mail. It is a violation of my consumer rights, for companies to furnish my personal data, publicly, unless I give them written permission first. 

In addition to participating in Fraud and Identity theft by reporting inaccurate information obtained by dishonest practices, these agencies are double reporting several of the same accts with different companies as debt on my credit report, giving the appearance of me being financially irresponsible, personally and professionally. 

I have been denied and turned down several times for business opportunities, contracts, and proper capital funding as a result, of these fraudulent reports.
Product: Debt collection

I moved several times this year and when UCB apparently sent me something it was to an old address. They took all my money forcibly through my own bank account without proper notice. I had pulled money in the form of a hardship loan from my retirement and they took it all. Again, zero notification. They refused to let me set up a payment plan. I will sue them and the state of Indiana. I will likely lose another home because of the horrible people at UCB. They took everything without notice. If they weren't a company they would be arrested.
Product: Mortgage

My loan was paid off XX/XX/2020 and when refunding my escrow they deducted an additional PMI payment for XXXX. As per my previous complaint, by their very response the XX/XX/2020 double payment covered XXXX and XXXX. The other PMI payments were as follows : XX/XX/2020 for XXXX, XX/XX/2020 for XXXX and XX/XX/2020 for XXXX. As with previous complaint in addition to this one, I have requested a full audit of my escrow account, they only provided through XXXX and it was in a statement form. Additionally, they answered in an email without documentation. On XX/XX/2020 I requested information on why there was a XXXX PMI disbursement when the loan was paid off in XXXX. Finally, on XX/XX/2020 they responded with a document date XX/XX/2020 which does not account for XXXX whatsoever. I also requested a full accounting of my entire mortgage payments etc and those requests have been ignored. The account was paid in XXXX, they can and should provide a full escrow accounting through the end of the account. Lastly, they now state that PMI is paid in arrears. This was never disclosed and there have been many questions and email which they barely, if at all, answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX  Re : Chapter XXXX  Bankruptcy To Whom It May Concern : I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my crediti file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

Again I never paid or walked into court for such a matter and by law it does not exists
Product: Mortgage

The XXXX forbearance period ended for my home equity loan at the beginning of XX/XX/2021. However, the maturity date on my loan is, or was XX/XX/2021. I have been told by NationStar bank the balance is due in full on the maturity date. I have argued that the maturity date should be shifted according to the forbearance period, but they have refused to make accommodations, and insist that I pay the total amount due in a lump sum. 
If I had been aware that this would happen, I never would have put the loan into forbearance since it has created a greater economic hardship than making the monthly payments in the first place. If this is according to the letter of the law, it is not in the spirit of the law. I believe the bank also received federal assistance during the forbearance period, and they should be able to change the maturity date or setup an alternate payment plan.
Product: Debt collection

Please be advised this is my THIRD WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The information that COMMONWEALTH FINANCIAL claimed to have forwarded this account to be deleted from my credit report on XX/XX/17 CFPB complaint # : XXXX has never been removed from my credit report. You have ignored my request to provide me with the documents that you have in your files that you used to validate the disputed account which means that you have NOT validated or you can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE information which you can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. 

A copy of this complaint as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.
Product: Credit reporting or other personal consumer reports

Equifax problem from previous complaint, that all 3 burueus we're showing XXXX XXXX {$120.00} past due, not paid. I mailed them all in receipt showing paid, just so they'd update paid in full. Not completely remove it, and Equifax customer service person said now I don't have a Equifax score, they also took off a repo car that was only a 2yr old dept. Causing me to have a XXXX score, can't qualify for apartment, they all run through Equifax. They wouldn't transfer to supervisor, said no such dept, or escalation dept. Said if I want a score and those depts put back to contact those company 's and have them add it back to credit.i doubt they can do that and car company I don't know the info to call as they shut down after covid. My XXXX score is XXXX XXXX XXXX so how am I a XXXX or no score with Equifax. They were rude, unhelpful. I rent a room so I have no bills in my name, and my past dept even though not good at least registered a score, and they say they can't undo or add it back. Please help.
Product: Credit card or prepaid card

I have contacted Discover Card throughout the entirety of the covid pandemic asking for help and attempting to keep my account with them current. Unfortunately, Discover  has been of no help and instead has charged me for late fees and increased the interest on my account while I deal with the financial and health stresses of Covid. It came to a head recently when they told me that they were federally regulated to not offer help to a customer more than twice during a 5 year period. I called the CFPB who told me that was not true. I went back to Discover and asked them why they would lie to me rather than attempt to assist a customer trying to stay afloat and they admitted that they were not telling the truth but offered no assistance. I simply don't now know where to go except the CFPB. They are threatening to raise my minimum payment. I repeat, RAISE my payment when I was asking them for a reduction in interest and for them to waive the early {$200.00} in late payment fees. I am behind due to Covid. I freely admit that I wish I could pay this bill in full and had never gotten behind. But my husband and I are devastated financially due to covid and fell behind even further while caring for loved ones during the pandemic. I can not understand why a company would resort to mendacity rather than caring at a time like this. I have all of this documented and now must take the step of hoping the CFPB can " make '' Discover not lie and do the decent thing moving forward.
Product: Mortgage

Struggling to pay mortgage, loosing my home to foreclosure. Had this arrangement with OCWEN property foreclosure which OCWEN now denies. Believe should of received compensation as per OCWEN. OCWEN send me an eligible application, when I submitted it they denied me. See documents attached
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX To : Experian Consumer Reporting Date : XX/XX/XXXX Subject : Credit Score Dispute / Investigation Dispute Dear Experian Consumer Reporting, I am writing to formally dispute inaccuracies in my credit report and address the significant decline in my credit score. By XX/XX/XXXX, my credit score dropped from XXXX to XXXX and further decreased to XXXX. On the same day, I initiated several disputes and provided my revised FTC/IdentityTheft complaint. 

I have diligently monitored my credit for over 30 years and have enlisted the help of expert credit attorneys and former Experian credit bureau employees to navigate the complexities of credit reporting. As you are aware, credit scores are based on a variety of financial factors and are designed to reflect a consumer 's creditworthiness. A higher credit score signifies lower risk to lenders and better loan terms. 

This situation constitutes a violation of the Fair Credit Reporting Act ( FCRA ). I believe I am being discriminated against by Experian due to my status as a " Minority '' middle-aged white woman, and I request that the necessary corrections be made immediately. Several unauthorized inquiries were deleted, yet the same creditors who initiated those inquiries remain on my profile and should also have been removed. 

The previous investigation was another violation of my rights and the FCRA, as Experian failed to take my concerns seriously and sided with these creditors. Experian 's statement that " I should have known '' about the accounts on my profile is unacceptable. Once I became aware of these discrepancies, I promptly disputed the items. It is apparent that these creditors are paying customers, and I am a consumer ; however, it is against my rights for Experian to exhibit bias and leave consumers with no chance of correcting errors. 

Please contact XXXX and inform them that these accounts are accurate and need to be corrected accordingly. 

Experian is liable for actual or statutory damages and punitive damages for ignoring the CFPB, FTC, and my complaint letters concerning the accounts being reported and my credit score. Experian has a history of such practices, as evidenced by prior lawsuits, including : - *XXXX XXXX. Experian** - **XXXX XXXX Experian Information Solutions , Inc. , No . 21-2632 ( 7th Cir. 2023 ) : ** The FCRAs statement-of-dispute provision does not require consumers to use specific language or forms to request the addition of a dispute statement. The burden rests with the CRA. 
- *XXXX XXXX Experian : ** XXXX XXXX case highlighted Experian 's inaccurate reporting affecting her debt-to-income ratio and credit score, similar to my experience. 

Experian acknowledges that emotional distress damages are recoverable under the FCRA. I am experiencing the same issues and demand corrections to avoid further legal action and associated fees. 

Thank you for your prompt attention to this matter. 

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

So I pulled up my account on  XXXX  and I noticed  XXXX  hard inquiries on my report within the last 6 months. Half of them I do n't even recognize or was pulled without my consent. I do n't even know what  XXXX  is to begin with. There are way too many inquiries from   XXXX   XXXX  . I do n't have an account with  XXXX   XXXX   XXXX ,  XXXX   XXXX , or  XXXX   XXXX . Because of this I ca n't get approved for a new credit card that has good approval ratings as I have too many inquiries created in an abnormal amount of time or get a loan. I have been paying my card back on time every month so m y credit score shou ld n't be  XXXX . It should be well over  XXXX  or  XXXX .     I will list them below :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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

XX/XX/XXXX my identity was stolen in XXXX Nevada they moved to XXXX opened a phone in my name never paid on the bill my identity has been traveling all over recently in XX/XX/XXXX I notice a loan being taken out of n my name I do n't have loans I do n't need a loan and to top it off I have been having problems with XXXX paying my doctor bills because of their system always saying inactive when it 's active. I show several bills on my credit and I need them off because the insurance should have taken care of it I called I complained I sent the copies to the welfare office on XXXX in XXXX Nevada. They should have all my documents I should have a clear report by now I filed bankruptcy in XX/XX/XXXX because XXXX did not pay none of my doctor bills while I was XXXX and not the hospital bill rounding out to being XXXX I had to have my father pay XXXX to get me out of debt to a lawyer. And wait 10 years for t to come off I do not want to have to do that again. So please tell me what I need to do to get these bills out I am not working at this time I can not pay thousands of dollars especially when I have had insurance for and they are n't paying for it.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXXL 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 XX/XX/2023 to XX/XX/2023 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 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: Debt collection

In response to complaint XXXX. United Resource system claims that they sent out notification of an account they purchased however, they do not have proof of delivery and i never received anything allowing my right to legally dispute the account that was previously already in dispute with the original creditor. Company also claims they sent out documentation after i disputed account on my credit report in XXXX however again i received no communication or documentation nor do they have proof of delivery. My complaint needs to stand as its practices are not honest or legal. I will continue to file complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I received an offer for financing through a third party for a vehicle but was denied because my profile number was below their margin I then asked to speak with the underwriters and kindly explained the them that it was against statutes to deny a person credit on their own account as I had already given the XXXX number to them but the conversation ended and I was unable to receive credit for the purchase of a new vehicle.
Product: Mortgage

We applied for a loan forbearance during Covid because my husband was laid off and I was not suure of my position. We ended up with a 5 month forbearance instead of 6 because he went back to work and we were ablee to make our payments. We started the modification process in XX/XX/XXXX. We signed the paperwork and were directed to mail in our monthly payments for XXXX, XXXX and XXXX XXXX. We were never sent the second part of the modification agreement so I called and spoke with Huntington. They said they were behind on the process because of Covid and I should call in to make my payments until the paperwork arrrived. I made my mortgage payments over the phone for XXXX and XX/XX/XXXX. I called several times to see how the process was going and was told to continue calling in my payments. I was told that my payment increased due to a taxes and that I owed larger payments. I continued to call in the larger payments and was told numerous times that they would send my requests to complete the modification process along to the department. I was told they did not have a direct phone number and that all requests were submitted through email from their end. 
We decided to refinance our home in order to get a 15 year mortgage and better interest rate. I talked to a Huntington representative and asked about rates. He ran our credit and told me to contact the loss litigation deparrtment to get the modification finalized. I decided to look into other companies for better interest rates and custoomer service. We have been approved for completed all the steps necessary to refinance our mortgage but can not get an accurate payoff amount from Huntington. We continued to call in our payments through XX/XX/XXXX but have not been able to complete the modificaiton process and have our 9 months of payments applied to our loan. 

We have called numerous times, waited on hold for hours, been hung up on and even used a 3rd party person to prove we made the required payments. We have bbeen told nuumerous times that they are on step 4 of 6 for our modification and that every modification is taking this long because of Covid. We are supposed to close on our refinance nex week but no one can get an accuurate payoff amount for our Huntington VA mortgage. 

This is affecting our opportunity to refinance and secure our financial future. We are unsure of where our payments have been going and what will happen in the future. We need help to get this situation taken care of and to warn others so it will not happen to them.
Product: Debt collection

Already paid in full have a letter and receipts to prove it plus a letter stating they have requested the credit reporting agencies do you have the account referenced above in the letter removed from the credit report the deletion process takes approximately 1 to 5 business days that was back in XXXX 2015
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Pleaseremove these files. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX Balance : {$10000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX