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

I recently reviewed my credit profile and noticed inaccuracies and false accusations.

It is my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. 
Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. 

Drawing from my research and complete comprehension You nor any entity is permitted to keep any noncompliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the 426-character format fielded P6 statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation to collect.

The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As you are aware, federal and my state laws dictate that all claims be physically proven to its 100 % truthfulness, 100 % correctness, 100 % completeness, 100 % timeliness and 100 % in compliance otherwise every single item even each or all of the relatedregulations, mentioned or that if any or each item being reported is challenged for its legal reportability.I request verifiable physical evidence to prove the existence and permissible usage of the account. If this evidence is not provided, I expect the account to be removed from the report. You have my authorization to send me physical documentation of your actions and an updated credit report.
Product: Checking or savings account

On XXXX XXXX XXXX  someone successfully impersonated my bank and stole {$7000.00}, which is all the money I had been saving to pay my taxes in the spring. 

So far, after reporting it to the police, my insurance company, and my bank, my requests for help have been denied due to the fact that money stolen in this manner is almost always impossible to recover and that I am the one solely responsible for transferring my money to the scammer. 

Yet when the thief called, he said {$8500.00} had been stolen from my account and needed to be recovered by me transferring the funds to my account manager. This corresponds to the amount of money I had in all my accounts at the time. How could the money he claimed was stolen from me correspond to the money I had in my accounts if he did not have access to my account? When he first called on XX/XX/XXXX, he tried to get me to make a transfer of {$1500.00}. The transfer did not go through so he tried to get me transfer to a different recipient, which also didnt go through. He said he would call back on another day and also told me my accounts would be locked until I transferred the money. I did in fact try to access my accounts before the money was successfully transferred two days later and I was not able to access them, nor was I able to use my debit cards. Additionally, after he called to say my account had been breached and that I needed to transfer all the money in my savings to my account manager in order for it to be recovered, I hung up and called the number he called from and was taken to an automated recording from my bank, which gave me assurance the call was legitimate. ( My bank responded that these scammers can steal recordings from banks to make the calls seem genuine. ) Thirdly, I was receiving texts from my bank during the call during the process of me transferring the money. ( My bank responded to this by saying he was probably on the line with a real bank employee while on the phone with me. ) What seems to be not taken to account when claims like these are reviewed is not only the sophistication of the scammers and the fact that they have access to the same information an authentic bank employee has, even though I never gave anyone access to my account. Shouldnt a bank take some responsibility in failing to prevent criminals like these to get through the cracks in their security and get their customers information? Our records indicate that we completed the transfers according to the instructions you provided us, and therefore no error occurred says my bank when denying my claim. But I would never have agreed to transfer the funds if the scammer did not give me every indication that he had insider access to my bank accounts. 

I am now being charged an XXXX XXXXXXXX fee for having insufficient funds in my savings account after the money was stolen.
Product: Money transfer, virtual currency, or money service

Sent money on Zell didnt confirm it was the right person first
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts that are included on my report that don't belong to me. 
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

I have spoke with XXXX on this years ago!!! A phone was put in my name and the bill was never paid!! This should not be on my credit report!! I advised to my Attorney on this and will try this option first before the next steps!
Product: Prepaid card

i applied for unemployment benefits i never received my card my was confirmed ( accountTakeover ) edd notified bofa to freeze my account until my identity was verified the freeze resulted in account related information being restricted XXXX to XXXX unauthorized transaction occurred totaling {$13000.00}. 
card never received, i never received any alerts informing card activation, purchases made. i was under impression my account was froze. 
this transactions arent mines i never gave anyone permission to use a card i never received. 
i filed a claim in 2024 because i was finally released from the freeze on my account bofa was able to discuss my account. 
i experienced mail theft, i rented out a room and was not given a mail box key. so any mail i was suppose to get was given to me by head of house and i didnt received mail due to the problems.
Product: Bank account or service

I received a physical check from the social security office on XX/XX/XXXX and deposited it via atm. at that time I went ahead on the assumption that it had been cashed as normal since it was a government check. However I was later emailed and notified that only XXXX dollars of the XXXX had been cleared as the rest was put on hold due to being unable to contact XXXX XXXX XXXX. when I complained I was told that it was XXXX after the second complaint. then I received an email from the senior vice president of fraud prevention and it stated that my monies would be released on XX/XX/XXXX. I expect nothing more than additional difficulty as since my initial filing with the cfpb against chase I have had nothing but issues. They debited my account 3 times and continue to claim that they are credits and ignore any attempt at a rational explanation.
Product: Debt collection

This company can't provide me any documentation that this account is mine. No signed contract. I have written to this company asking for them to prove to me that this info is accurate and it really belongs to me. I have not received anything. They have put a collection on my credit reports and I want the entry removed immediately. This is a bogus company and I need this issue to be resolved ASAP.
Product: Mortgage

This property was listed on  XXXX   XXXX ,    2016. There are 2 mortgages on this property. We received an approval from the first bank and they agreed to pay the second bank Real Time Resolutions {$6000.00}. Real Ti me Resolutions asked for the payoff letter from the first bank and then declined the offer and request an amount of {$22000.00}. After going through a divorce, which left me with sole financial responsibility for the property, I depleted my savings trying to maintain the payments for as long as I could. I was then forced to sell the property after being unable to make the payments. I was unaware that my home was in an area that lost so much value. I never expected to sell at a loss since I had already depleted all of my savings. The home is in need of repairs however I currently have a buyer, that was approved by the first lien holder.
Product: Checking or savings account

Bank of America date : XX/XX/2021 XXXX XXXX XXXX branch XXXX XXXX XXXX XXXX CA I deposited about XXXX USD into the ATM, but the machine showed an error and returned nothing, printed out a receipt to let me call a number which no one answered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me. I am asking for you to look into the XXXX  XXXX XXXX/ Tidewater Finance Company because they are destroying my credit report. I say this because They are currently reporting an account to all 3 credit bureaus as having 21 late payments. To clarify the nature of the situation, I will describe to you why what they are doing is illegal. 

I understand that an account that isn't being paid on time or at all can have late payments reported to the credit bureaus. I also understand that the late payments can accrue if you make multiple of them consecutively. For example, if you do not make a payment for two months in a row you would get a 30 and 60 day late payments. If you fail to pay for 3 months you would get the two late payments mentioned previously as well as a 90 day late payment. I also know that if you are making payments on time but are still past due on a previous month due payment you would get what is known as a rolling 30 day late payment. For example, If I made XXXX 's payment on time but then skipped XXXX 's payment, and then began paying on time starting XXXX for 3 months, then I would have a 30 late payment in XXXX and a consecutive or " rolling '' 30 day late payment in XXXX and the three months afterwards. 

Well what is occurring with XXXX XXXX the XXXX Tidewater Finance company is something that is not allowed by federal regulation. Those companies have decided to report me with 18 consecutive 90 day late payments even though I have not paid them any money in 2 years! I am not proud that I have not paid them, and it actually is a very stressful thought which is always on my mind, but that does not excuse XXXX XXXX XXXX XXXX/Tidewater to hold my credit report XXXX or ignore federal regulations because they feel like it. According to the FDIC 5000 - Statements of Policy, UNIFORM RETAIL CREDIT CLASSIFICATION AND ACCOUNT MANAGEMENT POLICY, 1, Closed-end retail loans that become past due 120 cumulative days and open-end retail loans that become past due 180 cumulative days from the contractual due date should be classified Loss and charged off. In other words, this account should have been charged off after the 180 day mark. That was nearly 2 years ago. 

I have attempted to call the XXXX XXXX XXXX/Tidewater and even the store where the account originated from which is XXXX XXXX. I have attempted to get them to correct this reporting as is mandated by the FDIC but they refuse. I have done so on numerous occasions over the past year. Every time I communicate with any of the companies, I am told that the only way to fix this reporting is for me to pay them what I owe. 

Again, I understand I owe money, but that does not mean that a creditor can keep an account open indefinitely if it hasn't been paid. That is against the FDIC rules. If they could keep it open indefinitely, they could keep it on my credit report indefinitely and then the 7 year statute of limitations for credit reporting would be irrelevant. Please help me in getting tidewater/ XXXX XXXX XXXX to charge this account off starting at the 180 day of no payment.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX 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 those account 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 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: Money transfer, virtual currency, or money service

My account as a XXXX person let me send money through Venmo for students, Venmo had no right to freeze then threaten deactivation of my account with funds still in it, at first the Venmo person XXXX XXXX said she couldn't validate me is why she deactivating my account, but then in her last email she admitted she decided to validate me, yet she decided she is still going to XXXX on me for my XXXX because she didn't like my selfies as much as her own ever since then she wanted to discriminate me then blame me for nothing but harassment and XXXX with being XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigations results
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX made a monthly payment of {$450.00} towards my auto loan viaXXXX XXXX. I received then received a notification from my XXXX XXXX credit reporting account that a payment was 30 days passed due. after further investigation I was able to determine that theres a continued glitch and error on my app that will no longer allow me to make XXXX XXXX payments via-MobileApp ( see snapshots attached ). I contacted XXXX and after multiple attempts they concluded that they are unable to fix the problem with my MobileApp.and that I needed to make all future payments via-phone call on their automated XXXX XXXX over a phone using my checking account information. I highlighted to customer service ( XXXX ) that my payment never went through due to system error with the XXXX XXXX and I shouldnt have been penalized for the late payment due to XXXX  technical issues. After multiple attempts to remove the 30 day late mark on my credit over the passed 2 months I have reached exhaustion and have had no resolution to fix my credit. 

I have had the auto loan since XXXX of XXXXand I had never been late on a payment until the faltered XXXX XXXX never processed my payment and severely damaged my credit ( see snapshot of payment history attached ). Im asking for a one-time good will gesture to remove the late payment reporting due to XXXX faulty MobileApp. This negative item is preventing me from receiving an extremely important loan for my business. Thank you for your consideration.
Product: Payday loan

To clarify the debit card that I XXXX process for the month of XXXX was not obtained on XXXX XXXX, 2015. I XXXX received XXXX loans in the amount of {$350.00} from XXXX XXXX in the month of XXXX 2015. The dates of the month of XXXX are the XXXX 2015 and XXXX of 2015. And both of these loans in the amount of {$350.00} was settled in the amount of {$400.00} on the XXXX and XXXX of the month of XXXX. I have not received a loan on XXXX XXXX. I have faxed Ad Astra Recovery a copy of my bank statements to vertify. What i am writing to you hoping tha this will clear all this up this time. Even for the month of XXXX I have not received a loan the XXXX of XXXX it was the XXXX of XXXX 2015. I stated " here are patterns of my bank statements the way I was paying my loans. '' Paying all them the sameday not days after. My bank statements can contest to that so what more proof i need. That 's all i have to show is my statements.
Product: Credit reporting or other personal consumer reports

I have many inquires on my report that show up and I dont ever recall authorizing then to run my credit and would like for them to be removed. I have filed a FTC report stating which companies ran my credit without authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX & XXXX XXXX Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX : XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX, XXXX : Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  : Account # XXXX XXXX XXXX XXXX  : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX & XXXX : Account # XXXX XXXX & XXXX XXXX Account # XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  : Account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX TRANSUNION XXXX XXXX XXXX : Account # XXXX XXXX & XXXX : Account # XXXX XXXX & XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : Account # XXXX XXXX : Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX  : Account # XXXX. has violated my rights. 

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

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I sent a complaint to Transunion Credit Bureau from XX/XX/2021 to the present, and I have not received any response up to this date. On the other hand, the inaccuracies about my account are continuously reported on my TransunionCredit Report. That means Transunion failed to comply with the Fair Credit Reporting Act law which states that the Bureau should provide to the client 's requests. Here is the concerned account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX CO ) Balance {$79.00} XXXX XXXX   ( Original Creditor : XXXX XXXX XXXX CO ) XX/XX/2021 2021
Product: Debt collection

XXXX XXXX sent final notice ( had only received one prior bill ) regarding final payment for {$230.00} bill from XX/XX/XXXX. I received " final '' bill in XXXX and paid {$20.00} to XXXX on XX/XX/XXXX which they accepted and then sent the bill to a XXXX XXXX debt collector after payment. I lost my job in XXXX, obtained new employment as an educational assistant, worked for $ XXXX and am working on finishing my XXXX XXXX in comprehensive special education. I will graduate in XXXX. I have nearly had to file bankruptcy due to the medical bills and lack of income while going to school, working full time, riding busses to help and taking care of my XXXX XXXX and NOT falling behind on all major bills. To accept payment and then move on to collections over a remaining balance of {$210.00} is not only deceitful, it shows that they do not care to aide nor care of the cost the XXXX XXXX will charge to get that small balance.
Product: Mortgage

Today, I made a lump sum payment of ( {$8400.00} ) after declining Nationstar ( Mr. Cooper 's ) loan modification based on the new terms and conditions. Last year shortly after XX/XX/XXXX Mr. Cooper allowed and advised me that I could skip up to 6 payments when Hurricane Irma made landfall causing a hardship on thousands, including my household. I contacted Mr. Cooper several times to clarify the terms and conditions since they refuse to put the verbal terms in writing. Instead, after the disaster forbearance period, I was advised that ALL past due payments were due on demand, and WILL NOT be tagged on the backend of the loan, as I was advised by 3 previous reps. It was evident, the reps struggled with the backlash of the confusion Mr. Cooper 's attempt to foreclose on thousands. Instead of admitting the breach impacting thousands of mortgage holders. Since I could not afford to pay the full lump sum, I requested a forbearance payment plan after the partial payment was applied. Ironically, Mr. Cooper, a servicing debt collector only allow me to repay the past due balanced over a period of 6 months ( {$4900.00} ) EST. I became concerned again when each lump payment was posted and reversed. Since Mr. Cooper serves as a debit collection agency, no one could explain why the payments are posted, and later reversed. 
While, the Consumer Financial Protection Bureau can not control the bad customer service widespread throughout the industry. Please be aware, Mr. Cooper does have its fair share. Unfortunately, I do not trust Mr. Cooper payment process. Especially, after Mr. Cooper applied the $ XXXX to my rate modification back in XX/XX/XXXX instead of forwarding the balance since the last payment, and reinstating the loan. I still stand firm that I was penalized for the missed payments that reflected in the balance forwarded. At this point, I can no longer sit idle and witness this debt servicing agency cloud the industry with bad tactics. Please help me to understand Mr. Cooper 's applied payment and reverse methods. Seriously, concerned if all of my payments have been applied to date. Thank you,