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

The company reported to both TransUnion and XXXX  that my payments were late from XXXX XXXX XXXX three times as late by 30 days then twice as late by 60-89 days late. I had paid on this loan within the 30 day mark mid-month and paid it in full XXXX. Originally, this company re [ ported my account current but then when I received the 60-89 days late status to XXXX  and sought an investigation, the company retracted my current status ' from XXXX as late for all three months, thus prompting me to believe this was in retribution. I paid this on this account $ XXXX to cover any late fees and past due balances to ensure my account was not only paid for said month but had enough to be extra careful. Furthermore, I had taken on a new loan late XX/XX/XXXX ; said company is still reporting on my past loan ( the one I was just discussing ) and decided to report my status as 60-89 days late when I have a new loan established. My complaint is as follows : 1. My account balance was current for the months of XXXX and XX/XX/XXXX. 2. My account was not delinquent by 60-89 for XXXX and now, XXXX. I paid off my loan in full and closed the account during XXXX ; my new loan was just established XX/XX/XXXX and was absolutely current for XXXX. 3. I spoke with a company representative and asked for COVID impact relief over a late payment from XX/XX/XXXX, to which they said they would not offer. They did not take into account my active military status and would not offer any assistance. This is also the case for all this malice and everchanging credit reporting going on currently.
Product: Debt collection

This collector is harassing me at work and stating that I owe {$16000.00}. The loan was for {$3000.00} and I have paid {$2200.00}. I am a single working mom with XXXX children and XXXX these people are making it difficult to function for my children. Please help me.
Product: Money transfer, virtual currency, or money service

Coinbase has refused to merge my two accounts after I fully identified myself as they directed. They have not answered months worth of emails. They have stolen thousands of dollars from me in XXXX. [ Reply ] Case # XXXX - Email access no longer valid
Product: Credit card or prepaid card

I disputed a transaction with my Citi Visa card where the merchant did not repair a broken desk chair that was missing parts on arrival, and Citi declined my chargeback.
Product: Money transfer, virtual currency, or money service

I have XXXX XXXX shares. Thats worth over XXXX dollars. I asked on XX/XX/XXXX if I can transfer my shares that I own. Then they sent me an email saying they wouldnt let me on XX/XX/XXXX. 

Robinhood Securities wont let me transfer my XXXX shares to XXXX XXXX official transfer agent. All the other US brokers allow their clients to do this. Why wont Robinhood let me transfer my own shares? I bought them they are mine and want to register them in my own name.
Product: Vehicle loan or lease

I recently filed and have been discharged from bankruptcy. Carvant was included as well. The vehicle was going to be re-affirmed but after speaking with the trustee and my attorney they thought is was best that this vehicle is surrender so that I could have a fresh start. Now the problem I am having is that Carvant will not honor this bankruptcy and the discharge that was given. They will not update the information on all three reporting credit bureaus. They are contesting that they do not know anything about the bankruptcy. 

The vehicle was surrendered on XX/XX/2019 so I am so confused at what they are fighting for? The discharged was granted on XX/XX/2019. 

I have spoke customer service at XXXX and XXXX and they both are stating that carvant concludes that this account in past due and that they where not included in the bankruptcy.
Product: Credit card or prepaid card

Opened Truly Simple Carg Fifth Third Bank. Reported Fraud of {$400.00} in charges, closed account XX/XX/2019. They sent a new card which I did not activate. Checked with Bank and was told at branch in XXXX, Michigan card was closed do you fraud. Bank opened second card without my activation and continued to charge late & interest fees totaling XXXX. Called Bank and they could not find dispute claim #. Bank sent me letter if I paid & XXXX dollars they would close all outstanding amounts and close card. I was so frustrated spending hours on the phone being transferred from one department to another, to no resolution : I paid the {$400.00}, to stop the XXXX  it was causing me ( on XXXX for XXXX ). Now I have a terrible credit score regardless of owning my SUV, house on XXXX XXXX, pay electric, gas, cable, taxes on time! Im retired from teaching now and am XXXX yrs old on XXXX and fixed income that I have budgeted. Im in the process of paying off two credit cards {$300.00} each a month which only {$140.00} goes towards balance. I want to consolidate and transfer for lower interest so I can pay off the XXXX>< as soon as possible. This is causing financial hardship to me since Im a very low monthly income!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX OF XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon recently viewing my credit report I saw a collection account from Consumer Collection Manangement.  However, after reviewing my records, I was unable to nd any documentation of any contractual relationship between Consumer Collection Management and me which makes them a person entitled to enforce a commercial claim against me. On XXXX/XXXX/XXXX i mailed XXXX a letter advising them i had no knowledge of the account. This company responded providing me with account statements that had the dates whited out and deleted making it impossible for me to cross reference the dates and amounts owed against my records. I plan on filing a complaint with the Attorney general and Federal trade commission.
Product: Mortgage

Specialized Loan Servicing LLC XXXX. XXXX XXXX XXXX, CO XXXX, they are a second mortgage based on a refinance. For the last 7-8 months they have not sent a monthly statement. I have requested several times for monthly statements to be mailed or at least emailed. They refuse. They tell me that they no longer send statements because of the cost of paper. When I asked to have it emailed to me, I was told they would not do that and I would have to go online and login each month to view my monthly statement. I asked if there were any exceptions and their customer service told me No. I believe this is against the rules. XX/XX/2021, I spoke to a Customer Service Rep named XXXX that said there was nothing he could do about it.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

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 received a phone call from XXXX ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX, since I was unable to take the phone call, they left me a message to call back at XXXX ( XXXX ) XXXX about a " seriously legal matter with the legal department handling my case failure to respond ''. I called the number and a gentleman told me that they were preparing a lien on my property for non-payment of a debt. After I prompted him to provide me information, he said it was related to XXXX Capital One Credit Card ending on XXXX from XXXX in the amount of {$7800.00}. Which I responded that the only credit card I have with the company still active and I don't owe them anything. I requested probe that they sent me information prior to the phone call and he refused, he them followed with threats to make effective a lien on my property and garnish 25 % of my salary to get paid. I responded that he was free to do so, but I will need documentation that I made transaction on that credit card and that the company had tried to contact me to obtain payment prior to today, XX/XX/XXXX. He them said " we'll see you in court ''. 
After the phone call I searched the phone number in XXXX and it came up for XXXX XXXX XXXX, as Home Improvement store in XXXX XXXXXXXX XXXX  with address XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding an account reported by XXXX XXXX XXXX XXXX on my credit report. This account is a result of a credit file mix-up and does not belong to me. Despite multiple disputes, the account continues to be verified or updated on my credit report, rather than being deleted. 

I have thoroughly investigated this matter and have determined that the account actually belongs to a family member, not myself. I have received a letter from XXXX XXXX XXXX XXXX requesting the deletion of this account from my credit report, confirming that it was reported in error. 

I am deeply concerned about the impact this reporting has had on my credit standing and financial well-being. Despite my efforts to resolve this issue through the dispute process, the account remains on my credit report, which is unfair and unjust. 

Therefore, I am requesting the following actions : Immediate deletion of the account from my credit report by XXXX XXXX XXXX XXXX. 
A thorough investigation by the Consumer Financial Protection Bureau into the handling of this dispute by XXXX XXXX XXXX XXXX and the credit reporting agencies involved. 
Any necessary remedial actions to rectify the harm caused by the erroneous reporting of this account. 
I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take appropriate action to resolve this dispute in a fair and timely manner.
Product: Credit card or prepaid card

American Express has frozen my Membership Rewards for more than 3 months since late XX/XX/XXXX, in  which I lose the ability to transfer the Rewards to their airline partners. In the period, I have contacted them multiple times, including most recent on XX/XX/XXXX ( XXXX XXXX ). Each time the Membership Rewards customer representative simply reiterated that the account is under review by the Corporate team and it could take few weeks to be finalized. When I asked a specific time frame for the issue to be resolved, they indicated that they can not do anything about it and all I can do is to wait. The customer representative also mentioned that there is no communication available to reach the Corporate team, not only for customer but also for the Rewards program agents.
Product: Debt collection

I am unaware of the debt with IQ Data International Inc Collection Agency, and they have not provided validation of the information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report for account # XXXX. If in fact you feel I have received proper notification, please provide a copy of the certified mail receipt with my signature. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) this collection agency is violating my consumer rights by using false misleading, misrepresentation, and deceptive means. IQ Data International Inc Collection Agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I am disputing owing any and all debts. I am also revoking all rights of communicating with me through email text or calls. I am requesting debt validation, a purchase agreement between myself and the original creditor, and to furnish proof that you are licensed and bonded. 

XXXX XXXX Without Recourse XX/XX/2024 2024
Product: Credit reporting or other personal consumer reports

nothing happened. i received no answer or acknowledgement of my dispute requests. i sent disputes on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX
Product: Mortgage

As we have expressed to US Bank numerous times, we were having mortgage troubles that started from a principal amount error, that in the beginning, we hopelessly tried to resolve with them via telephone, but it was like we were using the wrong words or speaking another language when speaking with them ; and they would never give us a name of a person ( s ) in a specific department who could help us. 

Then the housing crisis started, and all of our attention had to be focused on trying to remain in our home as US Bank denied loan modification applications, grossly inflated late fees and tried to use default tactics to foreclose on our mortgage. 

So again early XXXX we went back to working on our principal amount error to learn that the matter was worse than we thought, because we learned that we are victims of loan flipping and mortgage fraud ; and with the help of CFPB as US Bank have sent paperwork trying to prove that we signed for a loan, that we did not sign, somehow we are still waiting for the money facts. 

A third fictitious loan in XXXX that we did not want, and did not sign is for {$130000.00} and claims that we received {$16000.00}. We did not receive it, so it is criminal that we have to pay for money that we did not receive, and the {$8900.00} that goes with it. 

Prove that we received this money. We want copies of the cancelled check and every piece of information surrounding that bank deposit and check being cashed. Strangely our paperwork shows that US Bank was working in concert with XXXX XXXX. 

So if US Bank has copies of the XXXX paperwork, they definitely have copies of the cancelled check, and all the information about what happened to the money ... correct? 

Please send money facts only right away, or please deduct the amount of this third fictitious loan from our principal balance. 

Thank you.
Product: Checking or savings account

I lost XXXX ( XXXX ) Months ' worth of XXXX Benefits that were SUPPOSED to be deposited into My Chase Checking and Savings Accounts due to an alleged Garnishment Lien. This was until I was able to find a bank that would allow me to open an account. I demanded Copies of the Paperwork proving the Garnishment Lien but the Chase Bank on XXXX XXXX in XXXX, Colorado Refused. In NO COURT within the State of Colorado was there Complaint for or Request of a Garnishment Lien EVER FILED. If it involved ANY student loans, I was Documented, Diagnosed AND ( not or like within the law ) Regarded as being XXXX XXXXXXXX and a Qualified Individual with a XXXX pursuant to the XXXX XXXX XXXXXXXX XXXX. I was NEVER Legally Served with a Complaint for or Request of a Garnishment Lien. The Loss of My XXXX XXXX Benefits was a DIRECT Cause to me being Evicted, the Loss of ALL My Furniture\Property with an Estimated Worth of {$90000.00}. As far as I Know, there is STILL a Complaint for or Request of a Garnishment Lien against me. It WAS ONLY after I Incorporated Myself as an XXXX XXXX XXXX did I begin receiving My Benefits.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, has violated my rights 15 USC 1681 ( 5 ). The creditor by law is to report complete and accurate information to each credit reporting agency 15 USC 1681. Also states this law XXXX, XXXX, and Experian has failed to abide by this law. I have disputed this account multiple times about the inaccuracy on the credit report and nothing has been done. I have called multiple times about this account and nothing has been done. I am demanding deletion of this account due to the inaccuracy on the credit report, as well as the laws that were violated.The creditor names are XXXX XXXX, and XXXX both accounts show and incomplete and in accurate information the balances payment history contract terms account status original creditor information is not shown are not complete and accurate across-the-board with all three credit reporting agencies which is in violation of 15 USC 1681 complete and accuracy
Product: Credit reporting or other personal consumer reports

To whom it XXXX concern, This letter is formal notice that you have failed to respond to my dispute letter of XX/XX/year>. Included in the letter was my ID for verification of my identity, please avoid requesting such information- it will not be tolerated. 

In case you were unaware, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

As you are well aware, federal law requires you to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC, XXXX, & CFPB. 

I am maintaining detailed records of all my correspondence with you. 

I am aware that you may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, and the dated receipt of your reception of the original letter. 

The following accounts needs to be deleted from my report as soon as possible due to your negligence : XXXX XXXX XXXX Account Number : XXXX Please delete these erroneous items from my credit report as soon as possible and send me a physical copy of my updated credit reports with the above items showing DELETED.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against New Rez Shellpoint for attempting to seize my property without validating the alleged debt. Under federal law, no property can be seized, and collection efforts must cease when a debt is disputed, and there is no sufficient validation. 

Despite my repeated attempts to dispute the alleged debt and request validation, New Rez Shellpoint has continued to harass me with aggressive collection efforts. They have threatened to seize my property without providing any evidence of the debt 's validity. 

As you are aware, the Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to provide verification of the debt, including the amount owed and the identity of the original creditor. Despite my requests, New Rez Shellpoint has failed to provide any such verification. 

This behavior is not only a violation of federal law but also a clear violation of my rights as a consumer. I urge you to hold New Rez Shellpoint accountable for their actions and ensure that they comply with all applicable laws and regulations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX I am submitting this complaint on my behalf and I swear that all statements are true to the best of my knowledge
Product: Credit reporting or other personal consumer reports

I had an account with XXXX XXXX. The account was closed and has a XXXX balance. Its reported on my chexsystems as closed paid in full. I requested that they removed the negative entry but they did not. the FCRA mandates that consumer reporting agencies like ChexSystems maintain only complete and accurate information in consumer reports
Product: Credit reporting or other personal consumer reports

To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others that might be reported now or else wise I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul permanently and immediately any and all deficient of these afore-noted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious information be it true or unknown! Again, I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX,