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

My account with EXPERIAN 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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

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.

EXPERIAN 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: Mortgage

I am writing to file a formal complaint against Cross Country Mortgage for violating my rights under the Servicemembers Civil Relief Act ( SCRA ) by reporting late payments on my mortgage while I was on XXXX XXXX. Despite notifying the mortgage company of my military service and providing the necessary documentation, my calls and correspondence were ignored, and they continued to report late payments to the three major credit bureaus ( XXXX, XXXX, and XXXX ). 

Details of the Complaint : Protection Under SCRA : The SCRA ( 50 U.S.C. 3937 ) provides active-duty servicemembers with financial protections, including provisions to avoid penalties for late payments on certain financial obligations, such as mortgages. I notified Cross Country Mortgage of my XXXX  status and submitted all required documentation to invoke my rights under this law. However, the company failed to honor these protections. 

Improper Credit Reporting : Cross Country Mortgage reported late payments on my mortgage to the credit bureaus, despite being informed of my XXXX  status. This action violates the FCRA ( 15 U.S.C. 1681c-2 ), which requires accurate and fair reporting of credit information, especially when federal protections like the SCRA are in place. 

Ignored Communications : I made multiple attempts to resolve this issue directly with Cross Country Mortgage, including phone calls, emails, and submission of supporting documents. My efforts were disregarded, leaving me with no choice but to file this complaint. 

Harm Caused : The improper reporting of late payments has negatively impacted my credit score and financial standing, causing significant stress and hindering my ability to secure credit and other financial opportunities. 

Relief Requested : I request the immediate removal of all late payments reported during my active-duty service from my credit reports with the three major credit bureaus. 

I request that Cross Country Mortgage provide a written explanation and acknowledgment of their failure to comply with the SCRA and their commitment to ensuring compliance in the future. 

I request that the CFPB investigate this matter and take appropriate action to ensure Cross Country Mortgage adheres to federal laws protecting servicemembers. 

Proposed Resolution : To address this issue, Cross Country Mortgage must fulfill its obligations under the SCRA and the FCRA by promptly removing all late payment records from my credit reports. Failure to comply will leave me with no alternative but to explore further legal options to safeguard my rights. 



Thank you for your immediate attention to this matter.
Product: Debt collection

I noticed an account on my credit report listed in collections by XXXX XXXX XXXX for {$1400.00} that I did not recognize. I mailed a certified letter to XXXX delivered on XX/XX/XXXX formally disputing this claim and requesting they provide me with proper validation, competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. 

They sent a response dated XX/XX/XXXX stating that the debt was verified, the debt was subject to resumption of collection efforts and updated their remark on my credit report as " Account information disputed by consumer, meets FCRA requirements ''. All that was included with this letter was XXXX generic monthly summary for XXXX with only my name and mailing information in the account information section of the notice. 

I sent a second certified letter dated XX/XX/XXXX stating that the generic monthly statement summary they sent me does not constitute viable evidence showing this account is being reported accurately. I do not recognize this debt and they have failed to provide me with evidence of any legally binding contractual obligation that I owe them the alleged amount. In response, XXXX sent me the exact same letter they sent the first time, only the date was changed to XX/XX/XXXX. With that letter they included 12 generic monthly statement summaries like the first one dated from XX/XX/XXXX to XX/XX/XXXX with only my name and mailing information in the account information section of the notices. 

The next thing I know I'm being served a summons for a pre-trial hearing. When I attended via XXXX  on XX/XX/XXXX I met with an attorney representing XXXX that told me that XXXX did not have my signature on any documents but that the monthly statements that were provided to me were sufficient evidence and that they were suing me for the full balance owed and attorney costs. I now have a trial date set for XX/XX/XXXX. 

I do not recognize this debt, XXXX never verified the debt, it was reported as if it was verified to the credit bureaus and their only response to my requests for more information was to sue me.
Product: Credit reporting or other personal consumer reports

Despite my multiple attempts, the situation remains unresolved. I believe it is essential to provide an overview of the numerous attempts I have made : I first discovered the fraudulent items on my account and promptly contacted your customer service department. I clearly explained the situation and submitted the required documentation. I was assured that the issue would be resolved. To my dismay, I had still not received any updates or resolutions. I trust that your organization takes issues of fraud and customer satisfaction seriously, and I am hopeful that this matter will be resolved promptly and to my satisfaction. If this issue is not resolved within the exact timeframe, I will have no choice but to seek legal counsel and report the matter to the appropriate regulatory bodies. The lack of resolution has taken a severe toll on my financial and emotional well-being. Kindly help me remove the following items immediatelyXXXXXXXX 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 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: Debt collection

XXXX XXXX XXXX U S DEPT OF EDXXXX US Department of education is in violation of Title 15 1692 GB for failing to verify this alleged debt for this alleged collection account XXXX furthermore is Reporting false and inaccurate data on my credit report I sent a letter to the US Department of Education requesting the following information- 1. a copy of all promissory notes of all student loans that you service-related to me. 2. a copy of the promissory note for any and all student loans that you originated. 3. A copy of any assignments of the promissory notes for the related student loans. 4. Please advise me whether you are the loan originator, servicer, and/or debt collector for the loans. They received this request on XX/XX/2021. I am yet to receive a response U S DEPT OF ED/XXXX has failed to send me a copy of any assignments of the promissory notes for the related loans. U S DEPT OF EDXXXX has failed to inform me whether they were a servicer or a collection agency. I know for sure that the name US Department of EducationXXXX is furnishing this data on my credit report ( U S DEPT OF EDXXXX XXXX as a collection and is not the correct name of the Collection agency for this account. The Response I received from Direct loans is that this alleged debt is being collected by another debt collection agency with a different name number and address This means US DEPT OF EDXXXX is in violation of 15 U.S. Code 1692e.False or misleading representations by furnishing false information on my credit report. 


( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.

( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.

Additionally, I requested that you cease and desist all collection activity, including credit reporting.

That is, I requested that you delete any and all reporting made to any consumer reporting agencies.

You have failed to address my very specific legal requests and are in clear violation of the FDCPA.

Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

These accounts has violated my rights. 
Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, As discussed with the lender to no avail, I was not aware that Fifth Third Bank had assumed my mortgage from the previous lender, as I had received no correspondence nor any phone calls from anyone until XX/XX/XXXX. 
On XX/XX/XXXX, I spoke with Fifth Third Bank 's customer service representative who explained that Fifth Third Bank had become the new lender, and, as a result, it was owed 3 months-worth of mortgage payments. Even though I was surprised that nobody had contacted me before, on the very same day, I wired the amount owed at that time, i.e., {$5100.00}. Since then, I have been paying the mortgage payments regularly, that is, I paid {$1200.00} on XX/XX/XXXX, and {$1200.00} on XX/XX/XXXX. In addition, I also enrolled in automatic payments. As my credit history demonstrates, I have never, not once, missed a payment with any creditor. Despite Fifth Third Bank failure to contact me about the assumption of my mortgage until XX/XX/XXXX, and despite my punctual payments since then, they have not updated my statements. In addition, to my surprise, they have also reported false information to credit agencies and noted that I have missed all payments to date, even though I have paid all that is owed so far, that is, a total of {$7700.00}. 
I am therefore hoping that you would assist with this matter and request that they update their records and immediately withdraw the delinquency notice with the credit agencies. 
Please contact me at XXXX if there is anything I can provide ( bank statements, etc. ). 
Thank you and best regards, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report resulting from a data breach. I recently discovered that my personal information may have been compromised, leading to potential fraudulent activity or incorrect entries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) , Experian is required to investigate and respond within 30 days. Please provide a written confirmation once the disputed items have been removed or corrected.

15 U.S. Code 1681 Fair Credit Reporting Act ( FCRA )
Product: Credit reporting or other personal consumer reports

On or about Wednesday XX/XX/XXXX, I contacted debt collector XXXX regarding XXXX accounts XXXX XXXX  and XXXX XXXX both charge off accounts that and XXXX purchased these accounts in XXXX however pursuant to the FCRA they are reporting opened in XXXX when they were actually opened XX/XX/XXXX and therefore XXXX FCRA rule should apply and these XXXX accounts should fall off or be deleted this year in XX/XX/XXXX howeveXXXX XXXX XXXXs not the original creditor and bought tje debt as bad and therefore shouldn't be reporting to creditors.
Product: Payday loan, title loan, or personal loan

When the loan was originated, I was never provided the required California Electronic Consent forms. The loan was taken out online, and it is my understanding that this form is required in California in order to continue to fund a loan online.
If you want the option of sending and receiving real estate transaction documents by e-mail, federal law requires certain safeguards to ensure that consumers like you have the capability to receive such disclosures and are fully aware of the consequences of agreeing to receive documents electronically.
Federal law requires your consent to use e-mail and electronic versions of information, disclosures, contracts and other documents and records ( electronic documents ) that would otherwise be legally effective only if provided to you in a printed/written paper document.
Product: Credit reporting or other personal consumer reports

This letter serves as my final and definitive communication to your noncompliant organization before I initiate legal proceedings against all responsible parties. Let me remind you that threatening legal action without intent to follow through constitutes a serious offense. Rest assured, I fully intend to protect my rights as a consumer and will proceed accordingly if this matter is not resolved promptly. 

I have repeatedly contacted your company, submitting numerous formal requests for an investigation into a series of inquiries that I firmly believe have been reported erroneously. Your continued failure to respond or take action constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ). This negligence is unacceptable and will not be tolerated. 

However, in the interest of resolving this matter without escalating to litigation, I am providing one final opportunity to address my concerns. Below, I have listed the inquiries in question, which require immediate and thorough investigation in accordance with the provisions of the FCRA : I have made several attempts to directly contact the companies responsible for these inquiries using the contact information listed on my credit report. However, my efforts have been met with the following obstacles : A significant number of the listed phone numbers are incorrect or invalid. For the companies I was able to reach, none have any record of my existence within their systems. If these entities lack records of me, it raises a critical question : What permissible business purpose could they possibly have to access my credit file? 

Your organization has already been granted ample time to investigate and resolve these discrepancies. Despite this, I am extending one final opportunity for you to fulfill your obligations under the FCRA. If I do not receive a comprehensive report detailing the results of your investigation within 15 days of receipt of this letter, I will have no alternative but to initiate legal proceedings against your company to enforce my rights. 
XXXX XX/XX/XXXX & XXXX XX/XX/XXXX.
Product: Consumer Loan

In XX/XX/XXXX I purchased a XXXX with over XXXX miles on it from XXXX, a used car dealership located on XXXX in XXXX, NY. It had a high monthly payment, but I needed a car to get to and from a part time XXXX position and was credit was not great so I signed. The beginning of the XXXX month the called stopped on an expressway ... if I did not pull over quickly, I would have been in a horrible accident. 
It was towed by this XXXX and I was told it needed a belt and alternator. They fixed it with no charge to me. Next, I am informed that XXXX went our of business and that XXXX ( located on XXXX, in XXXX., NY was now taking over for them. Now they told me I needed an oil change, some filter, etc and I paid {$160.00} for this since these items were not under warranty.This same thing happened again twice at about 4 months ; car was towed again to the XXXX since they took over for the defunct XXXX. I know it was electrical, but XXXX would not admit to it. Whatever they did to my car and would not admit, the car was OK ... no more stopping and shutting off. By XX/XX/XXXX I needed a new battery and paid over {$200.00} for it. This XXXX has ( 3 ) batteries, 1-in front ; l in the rear ( trunk ) and one running along the undercarriage which I was never informed about. Next by our first storm, I needed tires, all four for this car. By this time, I had this vehicle for about 7 months. 

If I keep this car ( on a 5 year payment plan for $ XXXX ), I would be paying at the end of 5 years, {$16.00}, XXXX for a car which I found out is only worth at max. is {$3300.00} On XX/XX/XXXX, this vehicle was rear ended by a snow plow ... the driver had no insurance for Business Use! Credit Acceptance wanted it fixed by who ever. I will have to take this truck and driver to court.
Product: Mortgage

I received XXXX to the XXXX in XXXX 2011. We started the process of listing our home for sale and were unsuccessful. In order to attempt to be compliant with our XXXX XXXX report date the agent and lender advised on attempting a short sale. In order to start the short sale process we had to show hardship and stop payment for several months. Prior to our departure of XXXX XXXX we had late payments past due and no clarification on a short sale. Over the course of the next year we were advised to apply for a deed in leiu. Obviously during this time our credit rating was destroyed and on final outcome our home was given back with an appraisal of more than XXXX less than purchase price XXXX years earlier. As I am returning to the states in a few short months we are trying to purchase another home and are having trouble. I have just now learned of a retro action from DOD HAP that may assist our past situation. Unfortunately i do not recall receiving and information about actions via mail as nothing was formal and may have appeared to be " junk mail ''. In short my service requires my family to move short notice and has caused financial hardship over the past years.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and XXXX  and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying XXXX using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a XXXX. I want to purchase a house soon and this holding me back.
Product: Credit reporting

I would like to thank your office for the swift response to my initial inquiry concerning XXXX , XXXX and XXXX XXXX XXXX XXXX. Per your request this is my formal complaint against the above listed companies for their business practices. 
I recently applied for a to a bank for a loan that would significantly reduce my interest rate, on XX/XX/2016 I discovered that a judgement that I had no knowledge is on my credit. I subsequently contacted the XXXX major bureaus XXXX, XXXX, EQ and proved to them that this debt is NOT mine, I have never received any financial compensation or benefits from this card. 
I am sure that XXXX XXXX is very aware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', and the laws on " debt duplication ''. 

I request that you contact them, demanding they provide me with copies of documents proving that I was properly served a subpoena for that judgement in question. 

I also request CACH validate this accounts account according to the FCRA. 
Validation of the debt must include What the money you say I owe is for ; SIGNATURE AND COPY OF ID FOR SAID DEBT Explain and show how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay you what you
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a  Federal Tax Lien fil ed in error on  XXXX   XXXX ,   XXXX  . The IRS realized it was an error and issued a withdrawal on  XXXX   XXXX ,   XXXX  . The withdrawal was sent to th e Register of Deeds in my county  but Equifax and  XXXX   XXXX  never reported the withdrawal. I filed a dispute and reinvestgation but Equifax insisted the information from  XXXX  was correct and never corrected the information even though I sent them a copy of the withdrawal twice. My husband filed a complaint with CFPB as he was treated in the same manner. The result was it was corrected on his report but not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021