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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, has violated my rights . 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting 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 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: Student loan

I submitted multiple requests via phone and email about an issue regarding reapplying for income based repayment plans. I spoke with someone over the phone who couldn't solve my problem so I requested he tell his manager I wanted someone who can help me to contact me directly. To be safe I also emailed XXXX XXXX twice and have the emails stating they received my email requests. I did not hear back and so decided to complain to XXXX. After not getting any response back on that it was clear that XXXX XXXX   doesn't care about their loan holders in the least bit and contact with them is impossible. Finally after having to complain to XXXX, I got a letter stating to expect a letter regarding my issue as well as a contact person who would be able to help. Its awful that I had to complain to XXXX to get even a poor response. 

The letter they sent was full of blatant lies and did not address my concerns. I also was not given a name of a person in the letter and there was no contact information of who I could respond to. There is no way for me to respond!!!! 

I complained to Federal Student Aid who emailed me tonight stating my case was closed to and to expect their actual response in the mail in 10 days. I have since filed another complaint since they are ignoring my complaints and not responding in an appropriate or efficient manner. 

XXXX XXXX is impossible to get responses from despite repeated requests for direct contact. They never respond and their only responses have been now and in the past blatant lies without any accountability for their inept service. 

I feel as though my financial future is not in safe hands and is in danger. I would like to request my loan servicer be changed to one of my choosing. If this can't be done I would request that legal action be taken against XXXX XXXX for documented lies in their responses and blatantly ignoring my repeated requests for help.
Product: Mortgage

My husband and I got a mortgage loan from beneficial mortgage XX/XX/XXXX. We bought a credit life insurance policy from Beneficial when we got the loan. My husband died XX/XX/XXXX. I have told beneficial repeatedly that he died and that I want to get the benefit of the credit life insurance policy but they just ignore me.
Product: Mortgage

Freedom Mortgage offered the XXXX relief program just like every other lender in the XXXX. Based on the fact that I lost hours with my part-time job I took advantage of this program. After the XXXX moths I was prepared to begin the process of making payments again. Initially I was asked for a list of documents, from a person that I talked to on the phone. I got those documents and sent them to the XXXX, a couple weeks later I got a letter that stated " more documents are needed '' and nothing more. I called again and they said they would send a letter with more updated information on it. On the follow-up letter it said that they needed paystubs and bank statements, I also verified verbally that this would not affect my credit and was told that since I am in loss mitigation status again, there would be no negative impact on my credit. I sent over the pay stubs and bank statements for my main institution, along with a statement as to why I took advantage of the XXXX  relief program. A few weeks later I got another letter asking for Proof of XXXX ( Award Letter ), XXXX XXXX XXXX Return ( All Pages ), 2 Month Bank XXXX ( all pages ), Financial Worksheet, XXXX, Proof of Additional Income. I attempted to call them on XXXX different occasions with the wait time lasting over an hour, and no time to wait for that. On the back side of the letter it states, " Please be on the lookout for a call from us. We'll follow up on this documentation request and answer any questions you XXXX have. '' This statement led me to believe I did not need to wait on hold and someone would call to help me. On XXXX XXXX, I got a notice saying I was 180 days past due onmy credit report and my home was being processed in foreclosure. I called in and explained and was repeatedly told this was my responsibility and I needed to call them. Also, that even though they told me I didnt need to pay I should have and this falls on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXXXXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card

I had recently moved to XXXX, XXXX XXXX and work at the XXXX XXXX XXXX XXXX. On XX/XX/year>, after having dinner with my family at XXXX XXXX in XXXX, we were walking out of the restaurant and a man approached us in a suit and name tag. He said he worked for XXXX XXXX and asked if I had signed up for my 20 % off coupon. I said I wasnt interested but he was being persistent and said it would only take a few minutes. He led me to the XXXX XXXX XXXX row of ATMs and said I could sign up on the ATM, and I just needed to use my bank card ( in XXXX XXXX many different types of transactions are done through the ATM so this did not seem unusual to me ). 

I inserted my XXXX XXXX  XXXX debit card and logged into the ATM. Another man approached and was trying to distract me. I started to get the sense that something was not right and I tried to retrieve my ATM card but it was stuck in the machine. I took out my citibank credit card and tried to dislodge my ATM card with it but it did not work ( I did not insert it fully into the ATM machine ). The second man walked away and the first man was pretending to assist me. I told him that I worked for the XXXX XXXX and was calling the XXXX XXXX XXXX XXXX XXXX XXXX to assist he then fled. 

Knowing that my bank card was stuck in the machine, I immediately deactivated it through the app. Subsequently, a number of charges were blocked totaling close to {$7000.00}. Unfortunately, I did not cancel my citibank card because since it didnt go into the ATM machine, I didnt think it was compromised. I only realized it was compromised after I got an alert from Citibank for potential fraud ( charge for {$2500.00} for XXXX XXXX ). Unfortunately, their first transaction of {$1700.00} for XXXX XXXX XXXXXXXX XXXX went through. This does not appear to be a legitimate company and I did not authorize the transaction. I disputed this claim through the fraud department and was told since I was still in possession of the card it was not fraud? Clearly this is a skimming scam and I did not authorize the purchase. Had Citibank performed even a cursory review, they would have realized this was fraud. 

Based on the advice of a very helpful Citibank customer service rep, I then tried to dispute the claim with Citibank as a charge dispute ( instead of fraud which it is ), and then denied the dispute again on XX/XX/year> - stating That once the credit card number is given to merchant and a transaction has taken place, the merchant terms and conditions apply.

Again, this was FRAUD and was subject to a skimming scam from a reputable ATM machine. I never gave my credit card information up to engage in a transaction with XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I started working with XXXX XXXX XXXX to pay off this credit card. The card was paid through XXXX on XX/XX/19. I have called XXXX to try and get this paid off account listed as such with no action taken. Please help since this is hurting my credit score.
Product: Debt collection

LVNV FUNDING LLC. RECENTLY RECEIVED A PROFF OF VALIDATION LETTER FROM ME ON XX/XX/2022. IN THE LETTER I ASKED TO RECEIVE AN ORIGNAL SIGNED CONTRACT BETWEEN MYSELF AND LVNV FUNDING LLC. ON XX/XX/2022 I RECEIVED A LETTER FROM XXXX XXXX XXXX SAYING THAT THEY WERE NOW THE COLLECTORS OF ALLEDGED DEBT AND TO WRITE THEM IN RESPONSE TO DISPUT THE DEBT. I CERTIFIED MAILED THEM THE FOLLOWING DAY DISPUTING ALLEDGED DEBT. ON XXXX XXXX I REVIECED ANOTHER LETTER FROM A NEW DEBT COLLECTOR, RESURGENT CAPITAL SERVIECS, SAYING THEY WERE IN FACT THE NEW COLLECTORS TRYING TO COLLECT ALLEDGED DEBT AND THAT I HAVE THE OPTION TO PAY THEM OR DISPUTE THE DEBT. THEIR PROOF OF VALIDATION WAS NOT THE PROOF THAT I ASKED TO RECIEVE IN MY ORGINAL LETTER TO LVNV FUNDING LLC,. THEY SENT ME AN ALLEDGE BILL INSTEAD OF FACTUAL EVIDENCE. EACH COLLECTOR THAT I HAVE RESPONDED TO HAVE STOP COLLECTION ON DEBT AND IS ACTIVELY RESELLING THIS ALLEDGE DEBT. I WANT THEM TO CEASE AND DESIST. AT THIS POINT IT IS HARRASMENT AND I WANT THIS COLLECTION TO BE REMOVED FROM MY CREDIT REPORT.
Product: Mortgage

Roundpoint took over my mortgage servicing from XXXX. Somehow during this transfer they never figured out that I have homeowners insurance so they sent me a threatening letter saying that if I didn't get insurance then they would but an expensive policy and charge me. But I had insurance the whole time. Roundpoint did not pay the premium for my XXXX  renewal like they were supposed to and now my insurance company is threatening to cutoff coverage. Roundpoint is the servicer, they are supposed to pay the premium. So now I'm wasting my time dealing with this - everything roundpoint touches gets screwed up. These are incompetent fools who shouldn't be allowed near anyones mortgage
Product: Debt collection

XXXX XXXXXXXX XXXX ... Continuing to phone calls even after point of contact has been made. Requested to receive information in writing. I receive roughly 3-4 phone calls per day! Repeatedly asked not to be contacted, told them they were harassing me. They were rude and deceiving. They call and when you answer the line disconnects ; forcing you to return not a call to see whom it was. Asked not to be on a recorded line. They are contacting in regards to a debt that is past the statue of limitations. I am requesting for them to leave me alone. Either send the information in writing and allow me to contact them. They refused, as well as continuously hanging up on me without resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I review my updated credit report in XXXX XXXX, I see that the same accounts were inaccurate. The 3 credit Bureaus are required to validate and reinvestigate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$450.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$1900.00}, XXXX XXXX Balance : {$3900.00}, XXXX XXXX Balance : {$3500.00}, XXXX XXXX Balance : {$5200.00}, XXXX XXXX Balance : {$3900.00}, XXXX XXXX : {$330.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance XXXX {$0.00}
Product: Debt collection

I writing this letter filing a complaint against REGIONAL ACC Account # XXXX. I know that me and my husband was place in a unfair or deceptive practices relating to auto loans. I believe that REGIONAL ACC violated our consumer protection laws exposing us to unnecessarily high level of risk and knowingly place us into auto loan that had a high probability of us defaulting. Which we did default and we going to take legal matter because of the illegal things this company did. Are in non compliance violation against State, Federal, FCRA and FDCP statues of fraudulent extortion. We wrote the credit bureaus on XX/XX/XXXX and they received it on XX/XX/XXXX for validation ( letter attached ). The credit bureaus said they info REGIONAL ACC OF THIS MATTER. THEY NEVER RESPOND. These are non-compliance of major violations that we will take legal actions if this account is not remove from my credit report 1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals Ninth Circuit .No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ). 3 ) Collection agency fail to report a dispute debt to the credit bureaus. Protection under the FDCPA Sec. 807 ( 8 ). 4 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre.5 ) Collection agency if they fail to report a disputed debt to the credit bureaus. Protection under the FDCPA Section 807 ( 8 ). 6 ) Show me that you are licensed to collect in my state. 7 ) Provide me with your license number and registered agent. Legal action. Be aware that I am making a final goodwill attempt to have your clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately if REGIONAL ACC and credit bureaus continue in this non-compliance as Richardson v. Fleet Bank of Massachusetts-the court held that the Fleet Bank failed to follow reasonable procedures by relying on creditors for accurate credit information because the company had reason to know of the dispute between the consumer and the company. I also remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal.Nov. 14, 1995 ), you may be liable for your willful non-compliance. Please remove item that is harming me financially. If not off my credit in 15 days I hereby reserve my right to take private civil action against you to recover damages.
Product: Credit card

To whom it may concern, Please remove this account from my credit report. 
I did not authorize anyone to open this account in my name This is a fraudulent account..
Product: Debt collection

I pulled my credit report from XXXX and XXXX XXXX and an unauthorized entry from AD ASTRA RECOVERY SERV. I have contacted the company via certified mail for validation of this account that was signed and delivered on XXXX XXXX, 2016. AD ASTRA has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XXXX XXXX, 2016 ; no response. Due to the lack of communication, I then contacting XXXX and XXXX XXXX regarding this account and they have yet to provide any validation regarding this unauthorized account. This entry must be DELETED from my credit file.
Product: Debt collection

The item was discharged in Bankruptcy Court in 2012.  Now National Credit System is attempting to collect on a discharged account by a Federal Bankruptcy Court Judge. I submitted proof of Bankruptcy Discharged for the item to XXXX and it was removed. Now it is back as a Collection, which is illegal and a fraud. I will complain to the FTC and sue National Credit System for Fraud, Deceit, and Identity Theft. I will also submit a complaint to the California Attorney General for Fraud, Deceit, and Identity Theft. 

National Credit System- REMOVE THE FRAUDULENT COLLECTION ACCOUNT IMMEDIATELY IF YOU DO NOT WANT TO GET SUED/FINED for violating FDCPA and FCRA. National Credit System never sent me any proof of documentation for the alleged item, falsely claiming on a discharged item, and the item has never been properly verified. Section 609.
Product: Checking or savings account

I have tried asking for it and received funny answers repeatedly. I've had the phone hung up on me many times after waiting over an hour, and I still havent received my money back after an entire year.
Product: Checking or savings account

In early XXXX I discovered that my identity had been stolen, and used to open several bank accounts at various institutions including Bank of America, I contacted them and informed them numerous times and told them of the fraud, they have said numerous times that they are closing these fraudulent accounts but they continue to keep them open, I contacted them again today and was once again told that they were going to close them only to receive an email indicating that unless I send them a very long list of confidential documents that would supposedly be used to verify my information, I dont feel that I should have to send my information to through the mail to. Verify an account that I did not even open..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account numbers # XXXX and # XXXX are in violation of my Bankruptcy. They were included in the bankruptcy but they are currently still reporting a balance and are still updating.
Product: Credit card

I have XXXX credit accounts with capital one, mostly because they changed the services after I had already gotten a card with them. I've been trying to keep up but am legally XXXX and have XXXX and XXXX, so I spend a lot of time in the hospital. When I got behind they started calling. Not once or twice but over XXXX times a day, every single day including weekends. I'm exhausted with the XXXX flair up, I've asked them to give me some time to recover. I can't get the sleep I need and I'm stressed all the time. This has been going on for over 3 months, every. Single. Day. What can I do? No matter what I say or how many times I beg them to stop its constant.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account listed as a charge off with XXXX XXXX XXXX XXXX is a result of identity theft. XXXX first proved that the account was used to service a XXXX XXXX XXXX, a vehicle I do not or never have owned. They could not verify my address, verify a personal identification card which is required, nor did they have the correct phone number. All they simply said was that the car was registered at my address. This account was open by XXXX XXXX and I have begun legal charges against her. XXXX XXXX could not and have not provided myself or XXXX, Transunion, or XXXX accurate factual data. This account is fraud and needs to be removed. I have tried to dispute this account and the credit companies have not provided me with accurate contractual data to prove this account. Therefore by law this account needs to be removed from my credit report. Unless there is a signed contract with my signature, my drivers license, and or a power of attorney provided this account needs to be removed.
Product: Mortgage

My complaint is in reference to a complaint I submitted with CFPB in the past ( # XXXX ), my home was wrongfully foreclosed upon in 2010. Due to this situation, I have received XXXX settlement and have been recently notified to receive another settlement by the Georgia Department of Law. 
I would like to have the foreclosures removed from my credit report.