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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : ACCT # XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Subject formal complaint Regarding Late Payment Reporting, of account number : XXXX for my credit mortgage of the company XXXX Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number XXXX for my credit mortgage to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Name de company : XXXX XXXXXXXX XXXX XXXXXXXX : XXXX Date of reported late payment : XX/XX/year> I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation.
Product: Mortgage

My wife and I are seeking assistance in regards to a potential short sale that we have attempted to complete with our lender SPS. We initially reached out to them on XXXX XXXX, XXXX seeking assistance and were advised that they had placed a sale date on the file for XXXX/XXXX/XXXX. We immediately advised our contact at the lender that we had a buyer whom was willing to purchase the property for fair market value per their most recent interior BPO assessment of the property. We worked together on submitting a complete short sale package with all financials, addendum 's, forms and contracts needed in order to complete a short sale review but were subsequently denied. We are asking that allow for the review to go through as we do not wish to have a foreclosure on our record. Our family has gone through enough hardship and this is something that will potentially break us apart. All we are asking for is a chance to review the offer presented as it meets investor requirements. Please help us obtain postponement in order to allow enough time to complete a short sale review.
Product: Credit card or prepaid card

I had a Citibank credit card, opened XXXX XXXX, on which I was carrying and paying off some debt. I was on schedule to pay off this debt by XXXX XXXX, and had NO late payments ever. In XXXX, XXXX, and XX/XX/XXXX Citibank alerted me to XXXX fraudulent balance transfers to my account ( totaling approximately {$800.00} ). I contacted Citibank each time I received their alerts and told them that I did NOT make the balance transfers, that these were in fact fraudulent. On three different phone calls- XXXX through XX/XX/XXXX- Citibank assured me that the transactions would be reversed and that I was not responsible for payment. I asked to receive confirmation in writing which they agreed to do, BUT DID NOT FOLLOW THROUGH. 

I made my last payment to pay off my debt in early XX/XX/XXXX. Yet, I began receiving overdue payment alerts from Citibank in XX/XX/XXXX. I checked my account online, only to find that the fraudulent balance transfers remained on my account, thus showing a balance that did not belong to me. I contacted Citibank on XX/XX/XXXX and, after being on hold and being transferred from department to department for TWO HOURS, Citibank again informed me that I owed nothing and that a zero balance on my account would be reflected on my XX/XX/XXXX statement. This DID NOT HAPPEN, and has yet to happen, Now my credit score is being adversely impacted due to Citibanks fraudulent, unresponsive, and irresponsible actions. In XXXX, I opened disputes with the XXXX major credit bureaus ; however Citibank is telling them the fraudulent balance transfers are mine - in direct conflict with what Citibank told me on 3 different phone calls. 

Please help me resolve this with Citibank, so I can move on with my credit score restored accurately. Thank you kindly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer report shows a late payment on an account that I was never late on. It is the consumer reporting agencies ' responsibility to report consumer information to the best of their ability. They assumed a vital role to do so with maximum accuracy. I have NEVER been late on payments for the account : XXXX. XXXX XXXX XXXX Open Date : XX/XX/2022 Please investigate and provide proof with statements showing these payments were late. If proof can not be provided I demand these payments be updated to on time as they should be.
Product: Mortgage

Good evening. 



I am requesting your assistance or guidance. This is my situation : There were two mortgages on my home in XXXX, MD. : XXXX XXXX XXXX , XXXX and XXXX  XXXX XXXX. The funds from the foreclosure sale ( which took place in the fall of XXXX ) were not disbursed appropriately, everything went to the first mortgage lienholder in XXXX of XXXX. Prior to foreclosure, the appropriate paperwork was completed by myself and provided to XXXX ( who forwarded it to American Mortgage ) once I had advised them that I could no longer afford to pay the monthly mortgage. I was requested on numerous occasions by XXXX and XXXX XXXX  to complete Deed-In-Lieu-Of paperwork for both mortgages, and also provide proof of my loan and the balance due to XXXX  XXXX XXXX, which I did. 

My employer periodically pulls my credit report due to the fact that I have a government security clearance. I was advised by my employer that XXXX  XXXX XXXX is on my credit report as a charge-off in the amount of {$83000.00}. We can not have negative items on our credit report. I reached out to XXXX XXXX XXXX explaining to them my home was sold, and requesting clarification on the negative item on my credit report. They advised me that they in fact did not receive any money from the sale of the home. They advised me that the sale of the home should have not taken place without addressing the XXXX  XXXX XXXX lien, that this is a title issue and the short sale should have not closed without providing XXXX XXXX XXXX with funds to release the debt and lien, and the title company that handled the transaction would have insured the property is free of liens upon a successful closing. 

The first mortgage was sold to XXXX XXXX XXXX on XX/XX/XXXX. This week I reached out to American Mortgage Investment Partners XXXX XXXX. in reference to the sale of the home and why none of the monies were paid to XXXX  XXXX XXXX. In XXXX, American Mortgage told me that they were the note/mortgage holders and that XXXX XXXX XXXX was the servicer on my loan, and that XXXX had always serviced my loan since American Mortgage took ownership. During the week of XX/XX/XXXX, I sent an e-mail to American Mortgage, and I was advised the following by Mr. XXXX : " The property was sold third party via foreclosure sale, which the junior lien is not satisfied, the foreclosure simply wipes all liens off title. If the property went through a traditional closing, and the junior lien was paid off, then a satisfaction would have been issued. '' Is the statement about disbursing funds in fact true, and that XXXX XXXX XXXX shouldn't have been paid anything? Is it true that a house can be sold in a foreclosure proceeding without a clear title, without in fact releasing the lien and debt. Does this actually mean that I am stuck with a debt of {$83000.00}? 

Thanks in advance for your assistance and any guidance you can provide to me with this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting on my credit file that does not belong to me. The following account is reporting on my credit reports as a result of identity theft : Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Fraud Accounts : XXXX XXXX - Opened XX/XX/XXXX ( XXXX  ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX, Equifax, and XXXX ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX  and Equifax ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX ) XXXX XXXX - Opened XX/XX/XXXX ( XXXX  )
Product: Debt collection

I do not answer unknown numbers because of frequent solicitation calls, I received about XXXX phone calls within the span of a day and a half, the caller would not state his business and would just leave a name and number to call back. All of these calls were during business hours when I 'm not able to use my cell phone for personal business. I called the number back when I got a free minute on my lunch hour and spoke with the gentleman, he let me know it was to collect a debt, I asked him if he could please mail or email me a statement so I can make sure it 's valid, he gave me an email address to request a bill, I emailed requesting a bill the same day, I did not receive a response until the next day with my name spelled wrong on everything, I asked them to correct before I make payment. I continued to receive multiple calls while corresponding and cooperating via email.
Product: Credit reporting or other personal consumer reports

Ive been a victim of identity theft and I had false accounts reported to my credit report without my consent which is a viotation see attachments
Product: Debt collection

Collection account is showing up twice on Equifax credit report and the collection agency claims there is one account and I need to have Equifax correct it. I disputed the duplicate account and the collection agency verified the account and updated the balance but the duplicate account remained on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to safeguard my information and allowed hackers to steal it. They are not victims here but rather bad stewards. When I went to see if I was affected they attempted to wrangle me into an agreement that reduces their liability for this breach. No! I never entered into a business arrangement with Equifax and frankly they have no business making money off my personal information if they can not take the basic steps to safeguard it. I am now obligated to add credit monitoring, fraud alerts, etc. for the remainder of my life. We are talking decades I will have to live with a real concern of my identity being used and causing severe repercussions for me and my family. Does Equifax get this? Should their CEO have his information published in the XXXX XXXX, how would he feel?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two Capital one credit cards that are closed at consumers request on all credit reports.I have disputed info many times and even called capital one credit services to fix issue.Nothing works to resolve issues.On accounts XXXX and account XXXX I was late paying and even stopped paying because of layoff from work and financial difficulties.After many letters to pay from capital one and even collection letters from capital one, they closed my two accounts at consumers request.I eventually went back to work and was able to make payments again.I called Capital one to make deal to repay balance owing in payments and in return to delete both negative/closed accounts from all credit reports.They accepted deal but did not fulfill there end of the deal to this day.On account XXXX, I opened XX/XX/XXXX and last payment was on XX/XX/XXXX and they closed the account 0n XX/XX/XXXX.On account XXXX, I opened on XX/XX/XXXX and last payment was on XX/XX/XXXX and they closed account on XX/XX/XXXX.As of today these two closed accounts are still on all credit reports impacting my credit and score.Me and Capital one made a deal and they have not fulfilled there end of the deal.
Product: Vehicle loan or lease

I leased a new car on XX/XX/XXXX from XXXX XXXX. The lease was financed through GM Financial. I wanted to sell my car to XXXX and received an offer for {$20000.00}. When I tried to finalize the deal with XXXX on XX/XX/XXXX, I received an email from XXXX stating that they " are prevented from being able to purchase leased vehicles from this provider ''. They listed a total of 10 providers that they could not purchase leased vehicles from. In further research, I found that GM Financial issued a new policy effective XX/XX/XXXX stating that no GM Financial leased vehicle could be traded in or sold to any other financial entity other than GM Financial. In other words, they restricted me from trading or selling my vehicle to XXXX, XXXX, or any other dealer that did not fall under the GM financial umbrella. That is stated nowhere in the lease and is just an abrupt change of policy to allow GM Financial to obtain the gain that has occurred on the lease due to the rise in Used Car Prices over the past year. It is an unusual situation that has provided much more equity in the leases than usually occur over the life of the lease. It is a complete money grab that disallows the lessee from being able to obtain those funds and prevents the lessee from the freedom of where and to whom they can sell their car. Past precedent has always been that a lessee could trade in or sell their car anywhere they chose and this practice has been going on for years. When I obtained the lease, this restriction was never explained or disclosed to me and was not in effect at that time. This abrupt change in GM Financial 's policy is unfair, egregious, and limits my ability to trade in or sell my car when and where I want to. It is my opinion that they do not have the authority to prevent me from trading in or selling my car. Their only concern should be that they receive the full amount of payments due on the lease so that they are made whole as outlined in the terms of the lease agreement. That is no different whether it is a loan or a lease as both transaction result in a lien notice on the Title. In this instance, XXXX and any other dealer that I try to work with to trade in or sell my car will NOT be able to complete the transaction because GM Financial ( and the other financial entities listed in the XXXX email ) will NOT provide the Payout amount to the dealer and thus will NOT allow the car to be traded in or sold.
Product: Credit reporting or other personal consumer reports

The following corporations XXXX XXXX, XXXX XXXX  XXXX, and Discover Bank are reporting income to the top three credit reporting agencies, XXXX, XXXX, and XXXX. Income is not part of any XXXX, XXXX, or XXXX credit reports. This needs to stop immediately. 
According to XXXXXXXX XXXX own web site It states ( see provided upload ) " Your credit history does not include income information. And according to the IRS web site publication 525 and 4681 ( see provided uploads ) The IRS clearly makes it known that 1099c is to be considered income to be reported on tax returns as such. And as such income is not and can not be a debt therefore income can not be reported to the credit reporting agencies. I have uploaded the proof of income 1099C along with the IRS publications and as well as XXXX confirming that income can not and does not get reported to the credit reporting agencies. XXXX XXXX XXXX XXXX XXXX and Discover Bank must remove, delete all income from being reported to my credit reports In summary it is abundantly clear to all parties, that the IRS considers 1099C cancelled debt to be reported as income and accordingly the credit reporting agencies as well as XXXX XXXX XXXX XXXX XXXX  and Discover Bank themselves should not be reporting income.. See below more clarification regarding the fact that income can not be reported to the credit reporting agencies, ie 1099c being income to be reported on tax returns Can income be reported on credit report? Income isn't even on your credit reports so it can not be considered in credit scores because credit scores only consider what's on your credit reports, XXXX explains. In fact, no wealth metrics are factored into your credit scores. What information Can not be included in a credit report? For example, a credit provider might ask you for information about your income when you make an application for credit. The credit provider can not give information about your income to a XXXX  to be included in your consumer credit report
Product: Credit card or prepaid card

I actually just found out about being able to do this after my credit has taken a huge hit from these credit card companies that claim to have a zero fraud liability feature on their neither do they ask me if a purchase is me knowing that i rarely use my credit card. I had lost my wallet some time ago as time passed i would notice one card after the other was getting used and so i have been trying to call these companies but they either say the purchase was me and that i have to pay it or that they are going to send an afraid it for me to sign and list the purchases but they somehow magically get lost in the mail so i thought until like the fourth time around
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Equifax Credit Information Services , Inc. XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) 2. ( XXXX XXXX XXXX & XX/XX/XXXX ) 3. ( XXXX XXXX XXXX XX/XX/XXXX ) 4. ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an account with NY XXXX XX/XX/XXXX that is actually very old it's past the statue of limitations
Product: Mortgage

My mortgage company is LenderLive. On XXXX/XXXX/2015 they withdrew 2 payments from my escrow account for home insurance and Property Taxes. It has been 3 weeks now but neither the county nor the insurance company has received the payments. Also, they withdrew almost {$350.00} more than the actual tax bill. I am trying to get my loan transferred to another lender but I ca n't as they require the payments to be made before they can transfer the loan. Every time I call Lender Live, they tell me that they payments have been made and I have to talk to a new person to explain them all over again. I read the reviews about this company and it seems that other people also have had issues with them paying out the bills from escrow. Please help.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 

XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX The following inquiry was not authorized and should not be reporting.
Product: Debt collection

On XX/XX/24 {$4500.00} was taken from joint account. Called Navy Federal Credit Union XXXX was told by debt collections department that {$4500.00} was taken from joint checking account despite this being a sole individual credit card debt and not joint credit card debt. Navy federal credit union stated that they could even take the funds acknowledging that they did not have to adhere to the statute of limitations regarding credit card debt.