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

After reviewing my consumer report I noticed that two new accounts were reporting negatively on my report. I have no knowledge regarding any of these accounts. This negative reporting is problematic because now I'm unable to apply for any type of credit and what adds insult to injury I did not open these accounts. I have made all reporting agencies aware of this identity theft issue and they irresponsibly reported this harmful information. I have tried address this matter but nothing was resolved. 

In accordance with the Fair Credit Reporting Act XX/XX/XXXX( Account # XXXX ), XX/XX/XXXXXXXX XXXX ( Account # XXXX ) has violated my rights. 
15 U.S.C 1681 SECTION 602 A states I have a right to privacy. 
15 U.S.C. 1681 SECTION 604 A SECTION 2 also states a consumer reporting agency can not furnish any account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history witH XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

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

I demand the late payment reported in XX/XX/2023 and 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX  Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX  Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' CFPB Sues Nation 's Largest Student Loan Company XXXX  for Failing Borrowers at Every Stage of Repayment XXXX, Formerly Part of XXXX XXXX , Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception Remains XXXX  Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Filed ftc 60 days ago
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the accuracy, compliance, and reportability of a listing on my credit report. The information provided by this credit bureau lacks validation through associated accounts on file. I challenge the veracity of this listing and request immediate validation. Specifically, I request copies of any documentation associated with this account bearing my signature. In the absence of such documentation, I formally request the removal of this information from the credit file associated with my Social Security number. Please see attached documents for these items I am complaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Experian has violated my rights. I sent a letter in asking the credit bureau to send me a statement regarding late payments, on XXXX XXXX Account, ending ( XXXX ), and XXXX XXXX XXXX account ending ( XXXX ) that are reporting on my credit file. The letter was sent on XXXX XXXX and received by Experian on XXXX XXXX. I followed up and provided additional supporting 15 USC 1681 Section 602 States I have the right privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I use XXXX XXXXs debit card to receive my Social Security XXXX benefits. 
Today I found my money is being taking by somebody else in severals ATM transactions since the money was deposited on XX/XX/2018. 
I have tried to contact the XXXX  XXXX costumer service all day and is being impossible. 
I also tried to use the " option '' of reporting theft, lost or stolen card from the menu by pressing a key but the system ignores that and keep sending me back to principal menu. 
I went Online and read the " reviews '' and complaints written by many other costumers who described exactly what just happened to me. 
I do believe there has to be something very wrong about this company. It just feels like if they were " working with the scammers ''
Product: Debt collection

I received a two phone calls from telephone number XXXX on XX/XX/XXXX and XX/XX/XXXX. I called the number and heard a recorded message identifying the caller as the XXXX XXXX and requesting that I leave a message with my contact information for a call back. I had previously complained about a threatening call from this scammer back in XX/XX/XXXX falsely claiming that I owed an unpaid debt to XXXX since XXXX. I was threatened with arrest and a lawsuit if I did not comply with their demands. I reported this incident and I also requested to have my credit report locked to prevent fraudulent charges on my accounts, since the scammer had some of my personal information, including my address, DOB and Soc. Sec. number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan with Navient in XX/XX/2013 to attend XXXX University in XXXX, IL. My parents took it out for me to help my credit score for future events in my life. The loan was only for around {$2500.00} I believe. My parents then paid off the full amount immediately after for around {$2700.00}, whatever was quoted to them. Then just a few months ago, after 5 years of hearing nothing, thinking it was long in the past, I get a report from the credit bureau that my account with Navient was delinquent, 120 days past due and that I owed XXXX dollars in interest ... I had no clue of this for the last 5 years. 

There is no way I would leave XXXX dollars left on my loan like that. ( Apparently it had grown to XXXX from late fees ) My parents paying the {$2700.00} was an attempt to pay them off. Thats what they were quoted and paid. I feel cheated by them. And now since then I have looked into it and thats what they have done to thousands and thousands of people. Ive tried to call them and get this figured out and its impossible to get through to anyone and when you finally do its pointless. The wanted me to get online into my account to get all the information there. But I realized thats a trick of theirs as well. In the fine print you agree to things that Im sure help them get by with it. Like you agree that everything we provide is accurate and true. I didnt feel comfortable with that obviously. So I told them on the phone I wanted a copy sent to my email of the payment history and balance history. So after 24 hours I get the email and once again it says, log in to your account to view your documents you asked for. I am not going to fall for their tricks. I just want a fair report and honesty. 

Im currently in the middle of trying to refinance my home, my credit score was XXXX and it was going to drop my payments roughly 200 dollars. Now I cant. It got dropped 90 points. All of this has cost me so much time and money that I will never get back.
Product: Debt collection

Went into XXXX hospital ER in XXXX texas previous years. All bills paid by XXXX. Then out of nowhere I see pro collect collection trying to collect on the ER visits for XXXX XXXX XXXX XXXX. I never received anything from the XXXX XXXX XXXX. I was never informed. I went to the hospital patient administration and asked why did n't they use my insurance they said they had nothing to do with this particular company for the doctors XXXX XXXX XXXX XXXX XXXX only covers XXXX. I 'm trying to get pro collect to send me a legal authorization letter saying they can legally collect for XXXX. I called the so-called number For XXXX and the lady told me they do n't exists!!!??? there are XXXX items on my credit concerning this.
Product: Checking or savings account

My late father died in XX/XX/XXXX and in XX/XX/XXXX my brother and I went to the main XXXX XXXX XXXX XXXX  branch with a copy of his death certificate and his key to his safe deposit box. I was told I could not get in to even do a will search until after probate even though it been 40 days already. Due to his state totaling less than 150,000.00 we submitted to the California Document 13100 we assumed his assets through it. When we went on XX/XX/XXXX to the bank branch with that and a copy of his death certificate and the key to his safe deposit box. We were told the whole process should take 24-48 hours. They did not contact us during that time and called back on XX/XX/XXXX, over 3 business days and then got told the accounts weren't ready to close and got called back the next the next day and said the Safe Deposit box was a joint account with an ex girlfriend and we weren't access even though at the very least we allowed to do a will search and have the contents itemized. We contacted our estate lawyer and informed us that we were allowed to access box to perform an inventory. So we contacted the bank on XX/XX/XXXX, 10 legal business days later I was informed I am still not allowed into the box and when asked for exact wording on the signature card I was informed that I am not legally offered that the information. I've spoke to XXXX XXXX on this matter 4 times now and to a high level bank employee twice on the matter. Now I have to pay my lawyer to contact the banks legal team.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute of Inaccurate Credit Information Account : XXXX XXXX XXXX  Account Number : [ XXXX ] Dear Sir/Madam, I am writing to dispute the information in my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account listed below is being reported inaccurately, and I request its immediate removal from my credit report due to unverifiable and incomplete information : Account Information : Creditor : XXXX XXXX  XXXX Account XXXX : [ XXXX ] High Balance : {$15000.00} Balance Owed : {$13000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt, Canceled by credit grantor, Unpaid balance reported as a loss by the credit grantor Dispute Status : Account not disputed Credit Limit : {$14000.00} Discrepancies and Issues : Unverifiable Information : The information provided about the account could not be verified.

Incomplete Information : Certain details are missing or inconsistent across different credit bureaus.

Credit Bureau Reports : Transunion : Account reported with a balance of {$13000.00}, last verified on XX/XX/XXXX, and multiple charge-offs. 
XXXX : Account reported with a balance of {$13000.00}, last verified on XX/XX/XXXX, and multiple charge-offs. 
XXXX : No detailed information provided, indicating potential discrepancies. 





Given the above inaccuracies and inconsistencies, I request that you promptly investigate this matter and remove this account from my credit report. As per the FCRA, you are required to complete your investigation within 30 days. 

I have enclosed a copy of my credit report highlighting the relevant account information, as well as any supporting documents that verify my claim. Please inform me of the outcome of your investigation at your earliest convenience. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

Ability recovery has sent a computer generated copy of an order for that is not a validation of credit. Any Esignature must also have a wet signature. 
Esignature documents must have Name Address Social DOb attach to make form legal. 

This e signature doesn't have a XXXX address ip address or any Digital certificates
Product: Mortgage

I applied for a mortgage loan modification thru Shellpoint and have been working with XXXX XXXX, I received notice on XX/XX/XXXX that my File was not approved because the proposed modification would go up instead of down by {$10.00} ( XXXX Dollars ). My current rate is at 10.99 %. My current maturity on my loan is XX/XX/XXXX 11 years left, They stated they could not extend out my maturity even though this is a 30 yr loan. 

I wrote a letter of appeal to Shellpoint addressing the following XX/XX/XXXX SHELL POINT MORTGAGE Re : XXXX XXXX Loan # : XXXX Property Address : XXXX XXXX XXXX XXXX, PA, XXXX XXXX Attn : Loss Mitigation Dear Loss Mitigation, I am writing this letter regarding the decision for my request for Loan Modification. I understand the decision for modification was declined because my new scheduled payment was set to increase by {$10.00} which in your guidelines I would not be eligible for assistance. As you can see my financials attached, I have a surplus of income of {$560.00} and I can afford the payment and would gladly accept the terms. But I can also contribute {$5000.00} towards the delinquency to bring my amount owed lower and clear the {$10.00} deficit also as a good faith payment. Please help me I am XXXX years old and do not have the strength to start up again, please help me. 

Shellpoint stated that based off my investor they would not allow a maturity extension or even take my {$5000.00} i offered to help get my mortgage payment lowered so I can cure the {$10.00} deficit. I have done some research online and have communicated with other homeowners with the same investor and have discovered that they can indeed extend the terms. CFPB please help me save my home, I'm an old man just need help saving my piece of the American pie. 

Please, Please help with Covid-19 I can not risk to be out in the street as I am a prime candidate for Covid. 

As well when I asked for the Net Present Value results the pages are blank and did not provide them.
Product: Checking or savings account

We are a small business. We have been doing busine4ss with Arvest Bank since XXXX. Since XXXX of XXXX we have had nothing but problems. We have spent countless hours on the phone and in person with the bank trying to resolve the issues and get answers. To date all we have gotten is the run around. Being transferred from one department to the next or being told that it is not the bank it is the credit card machine company ( which was purchased from Arvest ) and that they have no control over it or the thousands of dollars being taken from our account. 
We completely stopped using this account in XXXX of XXXX and to date thousands of dollars are being taken daily with no explanation! We have deposited cash that has not shown causing overdrafts. When the mistake is finally found, they have refused to reimburse the overdraft fees. We have tried to close the account numerous times, but Arvest has refused to allow us to do so. We are at a point we might have to close our doors and file bankruptcy over the issues caused by the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for another card they denied it. Even though I have a good score of XXXX, the Experian denied it.
Product: Credit reporting

Experian has locked me out of the online dispute system and refuses my access to a paid credit report.
Product: Credit reporting or other personal consumer reports

Greetings! 

Credit Bureaus are not doing there jobs of monitoring my report. According to the Fair Credit Reporting Act, Section 605B, it is illegal to report information on my credit report without my permission. There are multiple accounts that did not receive my permission, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 

Beginning XX/XX/year>, I requested verification from all companies in question. Companies have not reached out, even though I sent letters certified mail. XXXX, XXXX, and TransUnion have all failed to explain the methods used to verify these accounts and have not provided the correct documentation to leave report as is. I have been made to pay those in question due to negative effects happening on my credit report. I have provided copies of my license, bank statement, and bill verifying my identity. XXXX has blocked me from online access and mobile calling after stating, " I could not speak with a supervisor without verifying my middle name '', after giving my social security over the line. I no longer have access to see my full report unless I pay. Credit Bureaus, specifically XXXX and XXXX, only respond through consumer finance.gov. They still DO NOT prove verification. Only one item has been removed inaccurately and all other accounts in question were submitted along with it. If the Credit Bureaus are not able to confirm my permission or show me how debt was verified, then the information submitted needs to be removed. 

Please remove the items that were not given my permission to report to the credit bureaus from my report. 

According to the FCRA Section 605B, it is illegal to report information on my credit report without my permission. Please remove all items from my report.
Product: Credit reporting or other personal consumer reports

I'm requesting proof of the previous investigation. What method of investigation along with all records of who you spoke with, their business address, name and phone numbers as well as documentation that proves this account was late. if you can not provide me with this information in XXXX days update the account to paid/never late and send me a copy of my updated credit report These are clear violations of my consumer rights under 15 US Code 1681a 15 US Code 1681a1 and also 15 US Code 1666b
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX : # XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX , XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX XXXX Bankruptcy : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

They were not able to provide dental claim details. Attempt to collect wrongful amount.
Product: Debt collection

THIS DEBT COLLECTION COMPANY IS TRYING TO COLLECT A DEBT THAT IS NOT OWED. XXXX XXXX SENT ME A NOTICE OF THEIR INTENT TO COLLECT A DEBT WHICH I RESPONDED WITH IN XXXX DAYS. THER NOTICE WAS DATED XX/XX/2021 WHICH I RECEIVED XXXXDAYS LATER ON XX/XX/2021. XXXX DAYS TO RESPOND WINDOW CLOCK STARTS AT THE MOMENT OF RECEIPT NOT THE MOMENT THE DEBT LETTER WAS DATED. I DO NOT OWN THE POSTAL NETWORK SO DEPOSITING A DEBT LETTER IN THE POSTAL SYSTEM DOES NOT START THE XXXX DAY WINDOW IT IS UPON THE MOMENT OF RECEIPT. I ONLY OWND THE RECEPTACLE IN WHICH MAIL IS DEPOSITED INTO. THIS IS WHEN THE XXXX DAY WINDOW STARTS UPON THE MOMENT OF RECEIPT. NEEDLESS TO SAY I RESPONDED WITHIN THE XXXX DAY WINDOW AND THE COLLECTION OFFICE RECEIVED IN THEIR POSSESSION MY REQUEST TO VALIDATE THIS ALLEGED DEBT ON XX/XX/2021 AND SIGNED FOR IT. UPON RECEIVING MY NOTICE FOR VALIDATION, QAR IMMEDIATELY PROCEEDS WITH COLLECTION ACTIVITY BY NOTIFYING THE CREDIT BUREAU OF THE ALLEGED DEBT IN VIOLATION OF THE XXXX LAWS. THIS CAN BE PROVEN BY MY ATTACHED DOCUMENTATION. QAR HAS YET DETERMINED OR EVEN PROVEN THAT THE DEBT IS VALID AND CORRECT. LET ALONE EVEN PROVEN THAT THE DEBT IS INDEED MINES AND VALID. I HAVE NEEVER DONE BUSINESS WITH QAR AND HAVE NEVER ENTERED IN ANY AGREEMENT WITH QAR FOR ANY TRANSACTION. QAR HAS NOT SHOWN ME THAT THEY ARE EVEN LEGALLY THE ONERS OF THE ALLEGED DEBT. SINCE QAR ARE IN VIOLATION OF THE XXXX I IMPLORE THEM TO DELETE ALLEGED INACCURATE DEBT OR THEY WILL ANSWER FOR THEIR VIOLATIONS IN STATE AND FEDERAL COURTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and found several errors that needed direct attention. I have been doing some research and the following companies are improperly using my credit report and they have violated my consumer rights under the FCRA. 

According to the FCRA, 15 U.S.C. 1681 Section 602A states I have the right to privacy. Also, 15 U.S.C. 1681 Section 604A states a consumer reporting agency can not furnish an account " WITHOUT '' my written instructions. I have never given anyone written instructions to furnish any information on me and it is a direct violation of my privacy. 


Violations : 1XXXX XXXX XXXX XXXX  Account XXXX XXXX 2. XXXX XXXX Account # XXXX 3. XXXX Account XXXX XXXX 4. XXXX XXXX XXXX Account # unknown