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

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX  XXXX Bankruptcy Case Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number XXXX XXXX ; XXXX  Account Number : XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted.
Product: Credit reporting or other personal consumer reports

I looked at my XXXX credit report on XX/XX/year> and noticed one account that is not mine. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

The account that I found on my credit report that is not mine. I'm going to list it below. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER:XXXX
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 this 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 Balance : {$2500.00} CAPITAL XXXX XXXX Balance : {$5700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance win the Fair Credit Reporting act. The List or accounts below nas violated my rederally protected consumer rignts 10 privacy and confidentiality under 15 USC 1681. 
Account name : Account Number # XXXXXXXX XXXX  XXXX XXXX Account name : XXXX XXXX, Account name : XXXX XXXX Account name : US sm bus admin oda Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXXXXXX XXXX XXXX Account name : XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX Account name : XXXX XXXX Account name : XXXX Auto Account XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXXXXXX XXXX Accont name : XXXX XXXX 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, credit repair services, or other personal consumer reports

I have tried to delete fraudulent accounts from my Equifax report several times and they are not coming off. 

XXXX XXXX XXXX XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities. 

XXXX XXXX XXXX XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities. 

XXXX XXXX XXXX XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities. 

XXXX XXXX XXXX. XXXX This account is on my credit report as a result of fraud. Please remove this account on my credit report as I have already filed a police report and identity theft affidavit to alert the proper authorities.
Product: Credit reporting or other personal consumer reports

My account with NAVY FCU was never late! I have had exceptional payment history witH NAVY FCU 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 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.

NAVY FCU 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: Student loan

I have an account under a name thats not mine. They used my phone number, email, and social security for this matter. I cant access my own account or personal information.
Product: Debt collection

Are clearly violating my rights as a consumer, send them a request for validation, which received the day XXXX/XXXX/2016 signed be XXXX XXXX XXXX at XXXX XXXX and show proof on this site today after 30 days without being requested by law this account must be removed, never received any attempt to collect on this account, and giving me the right to dispute partially or totally the balance in question, if so, I authorize to show on this site that document and copy of receipt in my home, are trying to expand with explanations baseless this situation, the law is clear and concise, it is illegal to report unverifiable and inaccurate accounts on credit reports for consumers, it 's my choice how I choose to communication with your company, in this case the mail, under the FDCPA and FCRA if not received the requested information, are obliged to remove this information from your report from Equifax, authorize that 's to disclose any information provided to show my signature accepting responsibility for this debt, if they continue forcing report this account without legal base, will play his response to the FTC check the database CFPB, which is effectively a clear violation of consumer rights, and to take appropriate action against your company, agree not to wait for the system to be updated within 30 to 45 days, you can remove that information when they choose, each day this in my report is illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint AGAIN to update this suspicious information. Equifax and XXXX Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX Balance : {$9800.00}.
Product: Mortgage

Good Morning XXXX & XXXX team! 

XXXX XXXX asked for letter from my employer which is not really necessary and they asked only to disqualify the best rate they committed in the past as I have made Escrow payment of $ XXXX year before. 

They told me one day before scheduled closing date ( XX/XX/XXXX ) that I don't qualify for FHA ( XXXX XXXX ) and asking for additional significant downpayment in unreasonable time period so that they can list and sell the house for better rate and charge/ extort high interest rate as well. 

They stopped responding to my emails & phone calls to build up XXXX  for the buyer/victim. 

I am looking for your kind intervention to resolve this issue and to ensure no one else undergoes similar issues with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Here is the email communication from me for our reference to review and have told all the below points over phone calls with the individuals I spoke to before they decided to disqualify my FHA eligibility. 


From : XXXX XXXX XXXX : Thu, XX/XX/XXXX at XXXX XXXX  Subject : Re : Letter of Intent to Occupy as XXXX XXXX [ Home we purchase in XXXX ] - Home Loan Closure Financing Purpose To : XXXX XXXX XXXX, XXXX XXXX XXXX Cc : XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Good Morning XXXX  XXXX! 

Here are the following strong reasons & evidence for my claim as XXXX XXXX  ( XXXXXXXX XXXX XXXX ) : 1. My immediate family ( Spouse & kids ) is going to live in that house from the time we close and kids will be going to XXXX XXXX including my primary residence as well. 
2. My daughter has already informed her classroom teacher in XXXX that she will be moving to XXXX  by XXXX. 
3. We have evidence that we have provided Move out Notice to our rental property we are residing in XXXX and our current lease expires by XX/XX/XXXX. 
4. My Supervisor has provided written confirmation through email that I have work responsibilities in the XXXX location and XXXX as well to work with our Vendor partners while my work location from XXXX is based out of XXXX. 
5. I have copied HR in our conversation that I will be buying a home in XXXX  as a primary residence. 
6. While I need to work from XXXX, I will stay at my friend 's place and I will not incur any expense for my stay in XXXX for work purposes. I will work from the XXXX XXXX XXXX  whenever I need to be in XXXX  and will commute from my primary residence we are buying through XXXX XXXX. 
7. We have an Interest rate lock of 4.5 % until XX/XX/XXXX as per XXXX loan estimate shared by XXXX XXXX XXXX XXXX which they claim as valid until XX/XX/XXXX which is inaccurate. 

Can you please take it to your upper management for additional review considering all my claims and I can provide necessary evidence for all of the above claims to be my primary residence and I see no issue will be raised by my employer when I claim my primary residence as XXXX  while my current work location is XXXX, XXXX. 

XXXX XXXX : I will need your support to raise this request to upper management from your side as well. 

Kindly do the needful. 

Have a Great Day! 
Stay Safe & Healthy! 

Thanks! 
Best Regards, XXXX
Product: Mortgage

If presenting facts as documented by DOJ and Inspector General in their letter to you where they stated the criminal activity of those looters require no reply we must be in XXXX Those criminals find guilty in the Superior Court for lying to their clients and defraud the lie to you without any shame We must drain the swamp of those criminals and face of corruption looting organizer, lairs and deceiver, We will meet soon in criminal court so those lairs can no longer try to device ad disrespect CFPB. They were find guilty in Superior court for lying and defrauding their clients To destroy the trust of your own clients this is the only expertise those criminals have. Now they consider that presenting facts of their criminal activity require no response that we must close this criminal looting firm Looting, defrauding and organizing death threats are the only activity of this Pirate Mortgage Company. The rest is only lying for this reason I will never stop until I see this criminal organization out of business as well as XXXX Lying firm and the criminal and looting garbage Law Firm Phelan Hallinan. They intentionally failing borrowers at every stage of the mortgage servicing process. The modification was designed to help people and XXXX tried to defraud people by increasing the monthly payments by 1700 %. Those are criminal organizations that must be closed. Lying Looter Low firms like XXXX and Phelan to stole all your belongs from your property and foreclosure your property in a top secret close door illegal and criminal act against 6/91 foreclosure. 
How many lies this horrible lying law firm is doing. The specialty of the lying law firm is top secret close door action as they try to defraud my property. XXXX XXXX XXXX , XXXX XXXX miss-represented the lender in a top secret close door foreclosure on the premises at XXXX XXXX XXXX, XXXX XXXX, PA. My property was sold temporary illegal, abusive and in a top secret close door action at Sheriff 's sale on XXXX-16. The consumer currently has an appeal to the Pennsylvania Superior Court docketed at XXXX XXXX XXXX. We will go all the way to the Supreme Court of USA if necessary. After this for the next 50 years I will have legal cases against XXXX XXXX XXXX XXXX, XXXX and XXXX count on it. In XXXX this Law Firm help again defrauding my family by helping the theft totaling now {$260000.00} and this criminal activity will bring a lot of criminal cases after I win back my property. Threats of criminal prosecution and " never stopping '' by the consumer are real and we will see it in the Court if law not in criminal behavior that XXXX XXXX XXXX XXXX, XXXX and XXXX is doing to my property for which I do not have any mortgage and my name is not on any mortgage note. CFPB must remained that this Law Firm must compensate all victims they defrauded for so long. CFPB must force this Law Firm to pay hundreds of millions compensation for double and triple charges *as they have a lot of legal cases for exact this reason ) as well as defrauding families so they must also lose their license too.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against the credit reporting bureaus XXXX and Equifax. I only have two open accounts which I have been progressively paying off all of my outstanding debt and have been receiving either no score change, too sharp of a decline in score, or too little of an increase in score. I have attached evidence obtained from XXXX XXXX to support my claim. In particular, there has been one recent instance with Equifax, whereby my open credit card account balance was duplicated on my report, such that it appeared that I had XXXX XXXX XXXX  accounts when I only have one open account, and when Equifax finally removed the account from my report, I received a decrease in credit score. Throughout this year dating back to XX/XX/2021, the credit bureaus have either chosen to not administer a change in score, administered a score of only +1 or +2 pts, or rushed to administer a decrease in score that does not match the change in activity that is supposed to be the basis for the score change. I am hereby asking the CFPB to step in and confirm that my credit reports are being legitimately composed and updated by the credit bureaus XXXX  and Equifax.
Product: Debt collection

I have been monitoring my credit carefully for the last 6 months. I am applying for a home loan. I was notified today that Progressive Management XXXX is now reporting a new collection account for a medical bill. I have been at my address for over 2 years and I have not received a single notice or call from Progressive to validate this debt accrding to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). They have made no attempt to obey the law. I have faxed them a request to validate the debt and a copy of their HIPPA compliant agreement with the creditor. I have not had any medical bills that would fall under this category so I believe they are simply re-aging this account.
Product: Mortgage

My husband and I obtained a refinance loan from XXXXXXXX XXXX. We pride ourselves on paying bills promptly. All monthly mortgage bills were promptly paid. A few months ago XXXX XXXX apparently started using a Mortgage Loan Servicer to collect our Mortgage Loan payments. We still paid our bills on time. The first bill we paid to the new Loan Servicer was returned to us and we were informed that our payment was overdue. We had several conversations with the new loan servicer, whose employees expressed regret. Before our next payment was due, we paid our bill to the loan servicer. We received a notice that our payment was overdue even though it was clear that the check had been cashed which was sent to the loan servicer by our Credit Union. We use the online payment system of our Credit Union because of its reliability and digital documentation of all transactions. I am concerned that this loan servicer is trying to create a paper trail indicating that we do not pay our bills when due and that this could be a pretext for foreclosing on our home. All of our bills are paid online and documented by our Credit Union. This is the first time ANY mortgage loan company has ever indicated that our monthly mortgage payment is overdue. We have held mortgages for over 40 years and are distressed that a company would claim that our mortgage is overdue. It is not!
Product: Mortgage

XX/XX/XXXX, WE HAD A FAMILY MEDICAL HARDSHIP, WHEREIN THE COST OF TRAVEL AND ACCOMODATIONS CONSUMED OUR CASH AND OTHER RESOURCES. WE CONTACTED OUR MORTGAGE COMPANY AND INFORMED THEM.WE WERE TOLD BY OCWEN LOAN SERVICING IN XX/XX/XXXX WHEN WE TRIED TO SEND IN PAYMENTS THAT WE SHOULD APPLY TO THE HOME AFFORDABLE MODIFICATION PROGRAM ( HAMP ). WE HAVE SENT NUMEROUS DOCUMENTS OVER THE PAST 4 YEARS. WE HAVE BEEN TOLD NOT TO WORRY BECAUSE THEY SAW THAT WE HAD ENOUGH PENSION AND RETREMENT AND SOCIAL SECURITY INCOME TO MAKE OUR MONTHLY OBLIGATION. WE SENT IN DOCTOR FORMS TO DOCUMENT THE MEDICAL EMERGENCY THAT DRAINED OUR FINANCIAL RESOURCES DURING XX/XX/XXXX -XX/XX/XXXX.RECENTLY WE WERE TOLD THAT OUR MODIFICATION APPLICATION WAS DENIED BECAUSE THE NOTE HAD A MATURITY DATE OF XX/XX/XXXX. WE HAD BEEN IN COMMUNICATION EVERY MONTH FOR THE LAST 4 YEARS. NOW THEY DROP THIS BOMB ABOUT PAYMENT IN FULL OR FORECLOSURE. THE TAX ASSESSED VALUE OF OUR HOME IS {$130000.00} ON A {$60000.00} MORTGAGE THAT THEY HAVE ASSESSED LATE FEES TOTALING {$30000.00}. 
UPON RECENT FACT FINDING SEARCHES, WE HAVE FOUND OUT THAT OCWEN LOAN SERVIVING OF XXXX XXXX XXXX, XXXX WAS UNDER INVESTIGATION BY THE XXXX STATE ATTORNEY GENERAL OFFICE AND WAS ORDERED TO PAY XXXX HOMEOWNERS FOR IMPROPRITIES. 
WE BELIEVE THAT OCWEN HAD NO INTENTIONS TO REFINANCE OR ACT IN GOOD FAITH. THEY LED US TO BELIEVE THATWE HAD NO PROBLEMS AND THAT IT TOOK A CONSIDRABLE AMOUNT OF TIME TO GET REFINANCING TOGETHER. DURING THE 4 YEARS, WE HAVE DEALT WITH XXXX FINANCIAL RESOLUTION MANAGERS, WHO HAVE REQUIRED US TO SEND UPDATED DUPLICATE INFORMATION, WHICH WE DID PROMPTLY. WITH EACH FINANCIAL MANAGER WE WERE LEAD TO BELIEVE THAT WE WERE GETTING CLOSER TO THE MODIFICATION, WHEN THE HOLD TIME THEY WERE DELAYING US.
Product: Money transfer, virtual currency, or money service

On Sunday XX/XX/XXXX, I woke up to three Paypal email alerts. The first said that I logged in from an unrecognized device, the second said that I opened up a PayPal XXXX Credit Card, which I had not, and the third said I had a pending purchase for {$1900.00} to " XXXX. '' As I had not taken any of these actions, I immediately logged in and tried to dispute or cancel the charge but I was unable to do so. I attempted to contact the fraud department and took the following steps : ( 1 ) Pressed dispute for two other options ( XXXX apple and {$47.00} for XXXX XXXX XXXX trying to flag my account to make sure the pending purchase would be investigated by a human. In the notes section I wrote please investigate the pending charge. This is not a dispute for the charges selected. I got an email back saying XXXX and XXXX were legitimate charges and nothing about the {$1900.00} charge ; ( 2 ) I immediately tried to call Paypal but no one was there the message said " chat with us, '' so I sent a message trying to get in touch with the fraud team ; ( 3 ) Contacted Paypal via XXXX on my account and my husbands account. Started to secure my account by deleting personal information including credit card, bank accounts, addresses, contacts etc. and the fraudulent paypal credit card key. 
I also separately spoke to XXXX. To research on their end, they wanted the Paypal XXXX  and the order number, neither of which PayPal would provide to me. I also called Mastercard ; they could not track the PayPal XXXX  that was created to cancel the transaction. I also spoke to XXXX XXXX and Visa and they said the PayPal fraud team must reverse the charge. Finally, I filed a police report about the fraudulent activity and PayPal 's lack of assistance with the matter. 
The next day, on Monday, XX/XX/XXXX, I received a text message stating that my purchase was declined. I was thrilled and asked PayPal via messenger and XXXX to put the money back in my account because I wanted to transfer it to the bank. However, my account was still at XXXX  and the transaction still said pending despite the text. 
On Tuesday, XX/XX/XXXX, I received a text message that the purchase was declined. I again asked PayPal via messenger and XXXX to put the money back in my account because I wanted to transfer it to my bank account but the account was still at XXXX  and the transaction still said pending. '' That evening, I logged on to Paypal and saw the transaction was approved instead of pending. I immediately logged a detailed dispute. 
On Wednesday, XX/XX/XXXX, I woke up and saw that my dispute was rejected and called the police to file a report for larceny.
Product: Vehicle loan or lease

My car payment is due on the XXXX of every month. It 's handled 100 % electronically. I do n't receive paper statements. 

On XXXX XXXX, XXXX, I went online to the GMFinancial website to make my payment. There was a message that the site was down for maintenance. 

The following Monday I attempted to call and got a recorded message that the customer service department was closed while systems were being updated. 

I attempted to go online and to call every day. 

Today, XXXX XXXX, the site went live again and GMFinancial is charging me {$220.00} in late fees ( on a {$380.00} payment ). 

The payment was n't made because all of their systems were unavailable. The onus for any lateness in on them - I made every effort to make my payment on time and their system would n't allow it. 

Additionally, I question why a late fee would be 60 % of the regular monthly payment. 

During the time I 've had this account every payment has been made on time and every payment has been for more than the minimum payment due. 

I do n't know if this is sloppy business or an intentional attempt to defraud me. 

I request your help in resolving this issue.