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

A dispute was made to correct inaccurate information being reported by these four creditors yet all four comes back reporting more inaccurate derogatory information like the account status being derogatory when the status of an account is closed. The current payment status is in collections explain how this can be in collections when they sold the account they all have me in collections yet they do not own the account how can that be Explain how a closed account status read derogatory and not closed when in fact the statue of the accounts are closed. 

Explain how the current payment status can be in collections they sold the account how can they have a collection on me
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX XXXX continues to report a debt discharged in bankruptcy as open. When I called the company regarding this recently they said they knew it was discharged but that they would continue to report the debt on my credit report as a {$0.00} open delinquency. When I told them that this in violation of Federal bankruptcy law and the FCRA they said they knew and didnt care. I have so many communications from them where they admit to violating the laws the penalties are going be numerous. Transunion is at fault because they continue to let this debtor break the law. Debts discharged in bankruptcy should not be appear as active delinquencies with a current negative pay status on a credit report. Customer services behavior and refusal to remedy the issue even when given supporting evidence has been discriminatory. My husband who is white also filed bankruptcy with me and all items were fixed immediately.
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation.

As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o.

Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting or other personal consumer reports

XXXX REPORT ONE OF MY NFCU CREDIT CARD OVER THE LIMIT WICH IS NOT TRUE AND MYU SCORE WENT DOWNED XXXX POINT. I CALLED XXXX CUSTOMER SERVICE AND THEY SAID THAT NAVY FED CU ACCT CREDIT CARD ENDING XXXX IS OVER XXXX AND THAT IS NO TRUE THE ACCT IN QUESTION BALANCE IS XXXX WHICH LEFT ME WITH XXXX AVAILABLE TO USE. HERE IS NAVY FEDERAL CU XXXX FOR YOU TO VERIFIER WHAT I SAID. I NEED XXXX TO STOP TARGET ME AND GIVE THE XXXX POINTS BACK TO MY SCORE.ANY FUTHER DOCS YOU NEED DON'T HESITATE TO CONTACT ME PLEASE. 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information 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 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 XXXXXX/XX/2022.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I was notified my info was in a EQUIFAX data breach and to check my reports for fraudulant or or inaccuracies on my report. I reached out to all 3 credit bureaus and some inquireis were removed but many still remained.

Under FRCA 1681 USC 15 everything must accurate and verifiable. I never gave consent to these companies to pull my credit, yet XXXX, has refused to provide me with access to online free credit reports to freeze my report due to their system consistantly be unable to load and to try again another time. 

The following inquiries : 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 XX/XX/XXXX XXXX and XXXX have blatantly violated XXXX rights XXXX protect my privacy and left me without any help to rectify this. 

I want these these unauthorized inquirieis removed from my credit report or I will request for monetary compensation for the outright violation of my consumer rights.
Product: Checking or savings account

I am the executor of my mothers estate and have been trying to close her two remaining accounts since XX/XX/2014 when my mother passed away. I have hired at least three different attorneys who have communicated with Capital One as well as contacting them directly myself on numerous occasions. I have been given the run around time and again ( transferring to different departments, changing contacts, changing requirements, etc. ).
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit reporting, leaving Inaccurate or unverifiable accounts resolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer -provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither Corrected nor removed disputed accounts, as Experians inaction violates federal law and my rights as a consumer
Product: Student loan

ON case # XXXX AES said that my loan was extended due to deferment - I never requested deferment and they are still withdrawing payments from my account. I have not nor will I sign anything. I want to know why my loan is in deferment and how it got there. I also asked for the information pertaining to arbitration ( where I needed to file and who to contact ) I was not given this information. This request was submitted in writing per AES 's request. Please provide:1. why my loan is differed2. what documentation was provided that requested deferment ( attach if you have please ) 3. a copy of the contract I signed with XXXX for loan XXXX. the information needed to begin filing arbitration as the changing of loan terms is illegal and makes the contract null and void
Product: Mortgage

Working with Senior Mortgage Processor XXXX XXXX with PenFed FCU has been a nightmare to get a mortgage on a home in Texas. She did not communicate well at all, and actually was unresponsive to e-mails for more than 10 days, a complete failure in such sensitive processes as a mortgage application and executing a closing schedule. For more than a third of the window in which I should have been able to communicate my questions and concerns, PenFed 's representative was unavailable. 

The scheduled closing date for the home/loan is Monday, XXXX XXXX. Within just a few days of closing, XXXX began to communicate about problems she was having and additional documents that were required. All of the documents requested in the beginning of the loan application process were provided within 3 days of the request, and now ( Friday, XXXX XXXX, more than 20 days later ) there may be documents required at XXXX on a Friday for my closing the next Monday. This unfortunate use of XXXX 's time may result in a delayed closing on my home. 

From the questions being posed to the title company by XXXX, it does not appear she has a clear understanding of Texas real estate sales, to include the way property taxes are done in Texas. I would caution anyone who gets a mortgage application assigned to XXXX to quickly speak with a supervisor to request your processor be changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently tried to apply for a business loan and was rejected because XXXX, Equifax and XXXX do not have up to date credit reports on my credit file. The last documented credit reports are as follows .... 

XXXX XX/XX/XXXX Equifax XX/XX/XXXX XXXX XX/XX/XXXX I have made several attempts to contact XXXX and never get through to anyone. I have sent them a message and finally received response today and they are pretty much saying the issue is on my end. Which is inaccurate. Even the creditors are seeing the same thing. 

Equifax is stating they can see a recent credit history but won't give details. Even when I login to their site, it says they can not help me and that I need to call the XXXX number to speak with a representative.
Product: Vehicle loan or lease

Loan payment 4 days late. Lost employment due to job not being essential during the current time. Global crisis and they refuse to work out anything to get them paid. Spoke with them today in reference to loan and they have nothing to say other than it's 4 days late
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting duplicate creditor files under different names same account numbers. I have written to both creditor and has disputed this 30 days ago. There are multiple accounts. XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX. These are charge office that are reporting a balance updates on XX/XX/20 and XX/XX/20. As well as XXXX and XXXX XXXX XXXX duplicate reporting and are charge offs with a balance update on XX/XX/20 and XX/XX/20.
Product: Debt collection

This complaint serves as a formal notification that failure to block the specified accounts on my report will result in legal action. I have apprised my legal representative of my intent, and they are prepared to hold you accountable for willful noncompliance, currently constituting multiple violations of FCRA laws. My attorney, having successfully litigated against your organization in similar cases, is optimistic about the potential outcomes and damages involved. While I prefer an amicable resolution due to the simplicity of the remedy, please do not mistake my leniency for weakness. The consequences for your non-compliance could be substantial. Consider this your final warning. I insist on the immediate removal of the items specified in my fraud report, as detailed below : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED MY XXXXXXXX XXXX  ACCOUNT BEING REPORTED INACCURATELY. THERE IS NO DEFICIENCEY BALANCE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REFLECTING ANY REPOSESSION STATUS AT ALL. REPORTING THIS INACCURATE INFORMATION IS IN VIOLATION OF THE FCRA : I have the right to privacy and this information is being reported without my written consent which is in violation of 15 USC 1681B.

Furnishing information pertaining to my transactions is in violation of 15 USC 1681A ( I ) But most importantly, your company has the responsibility of reporting maximum accuracy to my credit profile and not doing so is in violation of 15 USC 1681E ( B ) I'VE CONTACTED EACH BUREAU VIA CERTIFIED MAIL REQUESTING VERIFICATION OF THIS INFORMATION, AND INDEED ITS UNVERFIABLE.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I attempted to convert XXXX Pax Gold from Block Fi into Omisego or OMG in Coinbase. I incorrectly attempted a conversion of an unsupported coin in Coinbase. There were no warnings in real time I would not be able to do this transaction. They do have provisions in their user agreement regarding this. I strongly believe they should have some kind of warning system, review system or rejection system before these types of transactions are done. 

I reached out to them and was advised they have a record of the transaction but could neither convert it nor return it and that my money ( {$25000.00} ) was simply lost. They advised a vague confirmation of a recovery, for certain coins, " sometime in the spring '', and would neither confirm or deny my coin would be on the list. 

I asked them for a decrypted private key for the transaction so I could find another wallet that would convert Pax Gold and they would not provide it. I offered them a fee to either convert or return the transaction and they advised they would or could not. 

They make it very easy for someone to attempt incorrect conversions and have no checks or balances when someone does. Their customer service is extremely poor, with no live support whatsoever. 

I do not believe a mistake that can take less than a minute be worth losing {$25000.00}. Their platform makes it incredibly easy for these types of transactions to happen. Their response is they have no interaction with the blockchain. They have the responsibility of handling transactions, but take no responsibility for user error at the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for a card with Old Navy. This was right before they changed the banks so it was starting with XXXX They are now with Barclays bank but they said that they could no longer help me. I went ahead and just paid the balance that Im disputing because it has affected my credit outrageously taking me from good credit to below average. Ive been trying to dispute this since Ive signed up because I never received my card and there was a balance on my card. So I need help to fix this error.
Product: Debt collection

On XX/XX/2021 I received and email from : Southwest Recovery Services XXXX XXXX XXXX # XXXX XXXX, TX XXXX ( XXXX ) XXXX Stating that they were collecting a debt. That I owed them {$600.00}. 

I responded immediately that I didnt recognize the debt and to provide verification of what its for and how did they arrive at the amount of the debt. 

Shortly after this company place XXXX separate accounts on my credit report. 

I filed requests for investigation with the credit bureaus. In XX/XX/2021, the bureaus just closed the investigation saying the company verified the collection. I still havent received any documentation of these accounts. I dont know how/what information was verified or how. I know there is no way that I owe both of these collections without recall.
Product: Credit card

Frontier charged my Frontier Mastercard {$590.00} on XX/XX/2024. I disputed the charge with Mastercard, having no idea what it was for. Mastercard temporarily credited the {$590.00} but was unable to tell me what the charge was for. Mastercard subsequently placed the charge back on my credit card and closed my dispute, allegedly because I failed to return two ( 2 ) phone calls. ( I have no record of any voicemail messages from Mastercard. ). Mastercard referred me to Frontier for resolution. Frontier now refuses to remove the {$590.00} charge for a XXXX Pass that I did not authorize and do not have on my account because I filed a dispute with Mastercard. I informed Frontier that the dispute is closed ; I never authorized this charge ; and I do not have access to this XXXX pass. Frontier advised today that they also consider the matter closed. I have been charged {$590.00} for something I do not want - never authorized - and do not have. Sounds like an illegal scheme between Frontier and Frontier Mastercard to cheat people out of {$590.00} plus interest.
Product: Student loan

I was placed 2 payments in a month, and call the nelnet to check that why it took long time to process the payment the represantive told me that it may take 4-6 business days, and everything alright with the checking account. I even received an email saying that payment is successful, then a few days later I received another email saying that check the bank payment did not go through. I called the bank everything is good, they did not even try to make attempt for payment. I came with the idea that they do n't want you make 2 payment in month because they want all the interest they can get from the borrower. It is so unfair, I am working in XXXX jobs to pay back my school loan, and they are trying to rob me!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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 in XXXX AND XXXX 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: Credit reporting or other personal consumer reports

I am writing to express my deep DISAPPOINTMENT with your recent claims regarding my accounts. I AM REJECTING THESE CLAIMS ON THE BASIS THAT YOU LACK ANY MATERIAL FACTS OR EVIDENCE to support your assertions. As a result, I strongly urge you to initiate a thorough investigation into these matters without delay. 

Your claims have cast a shadow over my financial standing and have the potential to cause severe harm to my creditworthiness. It is imperative that we resolve this situation promptly and accurately. 

I insist that you immediately dispute these accounts and provide me with clear, documented evidence to support your position. Failure to do so will leave me with no choice but to seek a legal remedy to protect my rights and rectify this situation. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX, I suffered a property loss to my residence that necessitated repairs of less than $ XXXX. Over the last 6 months, I have successfully and without incident retained a contractor and resolved and closed the claim with both participating insurers. However, a small portion ( ~ $ XXXX ) of the Insurance payment is considered 'controlled ' and requires my Mortgage holder to endorse alongside myself. 

I am currently re-submitting paperwork for the 3rd time to Roundpoint Mortgage Servicing to authorize and close the claim with them. They already hold the check that was endorsed and delivered per their stated requirements, but they have provided faulty information regarding the necessary Notarization of the paperwork on 2 separate occasions that has significantly delayed the process. They are currently refusing to accept properly notarized paperwork because my contractor prepared it in advance, and now I am obliged to spend multiple hours resolving this - again - just to get the funds returned so I can pay an outstanding invoice more than 90 days after it was issued.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/year>, I fell victim to a multilayered scam operation orchestrated by XXXX  Broken ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX XXXX  which was transferred from my Robinhood wallet. 

I made two attempts in getting some answers directly from Robinhood, but i was bluntly ignored. I will attach complain letters.