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

My dates opened arent the same on each credit bureau, my date last active arent the same on each credit bureau & my last reported dates arent the same on each credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is saying that i have multiple payments missing from 30-90 days past due. My payment was not past due, I made what they call an " extension '' to change payment times. every time in my requests there representatives in the calls were always assuring about the effects of the request. never was there a mention of a late payment resulting in the process. Now im even experiencing my account payments being at there competition, while the company is still seeing to mark my account as such. even going as far as to reporting i have {$11.00} remaining to pay on my account.
Product: Checking or savings account

XXXX first while celebrating XXXX XXXX  in XXXX XXXX I lost my phone which had a wallet attached containing my debit card, a credit card, my drivers license and my cash app card after gaining access to my accounts through my XXXX later on that day I notice a number of unauthorized transactions there were 12 withdrawals from my XXXX  checking account into my cash app card all within minutes of each other then some of the money was transferred to a XXXX XXXX through 5 transactions also within minutes and a bank transfer of XXXX to someones bank account all of this within minutes
Product: Debt collection

calling several times a day by phone, email, mail, and family members.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second complaint I am filing as they closed the first without answering and disregarding everything I said. Below is the original complaint. 

XXXX XXXX is incorrectly reporting my account with them as not paid and put a full balance back on there. When it was originally reported as 100 % paid a couple weeks ago onto my credit report prior. causing my score to rise exponentially. The account was paid off and I have correspondence and letters from the company saying that I completely paid the full balance. Even received a check in the mail a few days later for a refund of the money I overpaid on the full balance. Subsequently it was stated on my credit report as 100 % paid as well as my cosigners. Almost a month go by, and they tried to say that all that was false and that I still owed the complete balance. That is fraud. As I went through all the correct and proper channels to pay. Sent them a letter REGISTERED MAIL notarized XXXX and sworn by me, asking why they say I still owe and explaining if that's the case how did I get a check in the mail or why it was listed as 100 % paid off. They never responded and kept harassing me with phone calls, letters, texts and emails. I just wanted them to prove what they claimed, and they did not and refused to respond. I will attach the certified mail I sent to the company in the attachments along with other documentation. 

Their response was that the was not processed and rejected and it takes 3-5 days to reflect. It reflected after 4 and that's when all the information saying I paid the loan completely off because payment went through. They refuse explain why my account was closed if it was allegedly rejected in the system and the subsequently reopened months later. This is fraud. I sent notice of error and affidavit via certified mail. Which they ignored. And never even after the written instructions to. Just blatantly disregarded my certified mail which they received which had to be signed for. They have not proven once that the money was returned. Because it was not returned to me. This is my word versus their word at this point and they are trying to silence me and get away with fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Expressed to XXXX, Transunion, and XXXX ( not XXXX ) on several occasions to remove certain addresses on my report but they have not. I was embarrassed to say the reason but, I have a stalker that has caused harm, and sent threats at my current addresses and previous address ( upon the new residents that stay there ). 

This person has gained access to my information some how and I am asking that you please remove all addresses from my report and replace it with the po box that I put in the following letters.

I have labeled the letters for each company and each letter includes personally identifiable information.

Please not that by law you may not furnish any information and or adverse information without my handwritten consent.

-15 USC1681 ( b ) ( a2 ) -15 USC1681 ( g ) ( a ) ( 1 ) -15 USC1681 ( c ) ( a ) ( 5 )
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 - 30 days late? {$110.00} past due? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

There is no verification that I am obligated to the debt for the child they are alleging.
Product: Credit reporting or other personal consumer reports

Subject formal complaint Regarding Late Payment Reporting, of account number : XXXX for my credit mortgage of the company XXXX Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number XXXX for my credit mortgage to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Name de company : XXXX XXXXXXXX XXXX XXXX : XXXX Date of reported late payment : XX/XX/year> I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation.
Product: Credit reporting or other personal consumer reports

I request the immediate removal of the unauthorized accounts from my credit report. These accounts were not opened or approved by me, and I am unaware of their source. As per USC 1681g, I ask that they be deleted within XXXX  days. Please find the enclosed documents for your review.
Product: Checking or savings account

I am filing a complaint wit the CFPB regarding Capital One 's Failure to deposit my Direct Deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and i request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Prepaid card

I would like the monetary funds of {$9000.00} like they said they did or was going to do
Product: Student loan

On two separate occasions I have called Great Lakes borrowing services about my federal student loan. On the first occasion, around XXXX 2017, I received an email from Great Lakes stating that my first student loan payment was due. I called Great Lakes and told them that I was currently a student at the University XXXX XXXX XXXX, and that my Federal student loan should then still be in deferment. Great Lakes had me print a paper for the financial office of the University XXXX XXXX XXXX to fill out, and then fax back. After, I did n't receive any correspondence back. Then in XXXX 2017 I received another email from Great Lakes stating that my first student loan payment was due. Once again, I called Great Lakes and told them about the paperwork that they had the University XXXX XXXX XXXX fill out, and that my student loan should still be in deferment. They apologized and said that they would put my student loan back into deferment. Today, X/XX/2017, I decided to check my account at Great Lakes to ensure that my student loan was still in deferment, and I have a past due balance from X/XX/2017 in the amount of {$100.00}. Great Lakes refuses to rightfully put my student loan back into deferment and will not provide me any useful assistance when I attempt to make contact with their support department.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I informed TransUnion that I was aXX/XX/XXXX the XXXX XX/XX/XXXX. I explained to Transunion the urgency of resolving the inaccuracies on my report to ensure its accuracy. I explained to Transunion that my disputes are not arbitrary and that I am a XX/XX/XXXXdue to the XXXX XX/XX/XXXX. Transunion was complacent in their efforts to resolve my issue violating the FDCPA permissible purpose. TransUnion admitted that I have a mixed file. I explained to Transunion that I would like these inaccuracies removed immediately to ensure compliance with the FDCPA. The representative from Transunion told me that I would have to mail in document documentation to resolve this issue
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the delinquent accounts listed on my credit report. Upon reviewing my report, I was alarmed to discover that my personal information has been shared without my explicit consent, resulting in the dissemination of inaccurate and incomplete data. This has caused me significant distress and raises serious legal concerns regarding your companys compliance with federal regulations.
Product: Mortgage

Last year I submitted a complaint against Bank of America for errors in reporting my payment history related to a loan modification ( Case # XXXX ). I received a document from BOA shortly after indicating the error would be corrected and sent to the credit bureaus. I 'm unsure of BOAs process, but these discrepancies are still negatively impacting my credit. 
I want these discrepancies corrected. I want a letter sent to XXXX servicing from BOA documenting their error and notifying XXXX that when the loan was transferred to them it came over as a current loan-not in default. I want a copy of my credit report from all XXXX agencies showing the correction. My XXXX loan number is XXXX. 
For questions, I can be reached at XXXX. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681e ( b ) Accuracy of the report ......

IRS defines charge off or a 1099c a gross or ordinary income. Income does not get reported on the consumer report. So why is a charge off being furnish as a debt on my consumer reports? When IRS says its an income, this now becomes an inaccurate account. Therefore should be deleted from my consumer reports. 
XXXX XXXX XXXX XXXX acct # XXXX a charge off. 
XXXX XXXX acct # XXXX. a charge off XXXX XXXX XXXX acct # XXXX. a charge off XXXX XXXX acct # XXXX. a charge off XXXX XXXX acct # XXXX. a charge off All account listed above are charge off/written off, should be deleted according to 15 USC 1681e ( b ) Maximun accuracy 15 USC 1681e ( c ) Disclosure of consumer reports by users allowed.

A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if ADVERSE ACTION against the consumer has been taken by the user based in whole or in the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying for a consumer ( home equity loan ) and my lender is unable to obtain my credit report or scores. I have tried to remove any " freeze '' on my credit reports but the reporting agencies reflect I do not have a " freeze '' in place. 
PROBLEM : I can not remove a freeze nor can the lender access my credit report. 
I have made the loan application and have three days to resolve the access issues.
Product: Credit card or prepaid card

I made a dispute against XXXX for the full amount of my rental on XX/XX/XXXX with Bank of America. 
A few days later, I called them and the guy said he would expedite the claim. I asked him why didn't they give me credit on my account ( {$650.00} about ). He did not answer. 
Later I called again and talked with a female and she said I should have gotten a letter or email requesting more documentation ( I had never received any request for documentation in the initial call, any subsequent call, or in any email or letter ). 
On XX/XX/XXXX I received a letter in the mail from Bank of America stating I had XXXX business days to submit documentation or they would close the case and not refund my account money. The amount disputed in the letter was {$270.00}. 
I never disputed this number. I disputed the FULL AMOUNT and told EVERY CSR that I was disputing {$650.00}. I don't know how they came up with this number. 

I want to have more time to submit documentation. I also want to know when this " email '' was sent to me to submit documentation. 
I want to know why my account was not credited for {$650.00} while this investigation was done into the disputed amount. I want to know why I was sent a letter dated XX/XX/XXXX when that was the day I called them and complained. Why wasn't I sent a letter on XX/XX/XXXX when I made the initial dispute. 

Bank of America has incompetent staff, backwards procedures, and can not handle a simple dispute. I will seek legal counsel for this and other matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few inquiries on my report I do not recognize
Product: Mortgage

XX/XX/2017 Ditech 's Collection rep told me I had to be delinquent 90 days before I could apply for a Loan Modification, I told her that that wasn't true and she argued, so I asked for a supervisor to call me, that never happened. I called another time and the rep in Florida told me that the loan qualified for a no document modification, but then we never received anything regarding any type of modification, not even a payment plan, nothing. So besides our rights being violated in tying to miss leading me into not making any payments, I feel that statements should be accountable by the person 's representing the company and our loan should be modified to a 2 % fixed rate and forgivable default balance, and due to the lead, radon, plumbing, brown rockrose infestation and house foundation collapsing., that the principal should be lowered also. I've put 4 years in chasing all these problems I don't have money fore. I have found a few county programs that would help but I need these conditions meet before I move any further, its so hard to make a representative listen and understand the situation of a home owner in distress. The rep 's are only concerned about there bonuses that make there pay, I know this because I worked for GreenTree in the past, there are motivated by losing there pay down to minimum wage if they aren't good enough to collect with out foreclosing on hard working people that are going through a little bit of a hard time in there life.
Product: Credit reporting or other personal consumer reports

I tried to unfreeze my credit report at XXXX, Transunion, and XXXX. In all XXXX it was extremely hard because they " hide '' the feature for customers who haven't upgraded to the paid service. I ended up paying for XXXX from Transunion and then spend an hour on tech support chat to delete that subscription. Both XXXX and XXXX require persistence to unfreeze credit report. Freezing and unfreezing should be readily available on home page of FREE service. All 3 bureaus purposefully make it difficult in order to up-sale you.
Product: Mortgage

XXXX XXXX I received a letter regarding a forbearance plan but I noticed it stated that " As a result of not making of not making any payments during the term of the Forbearance Plan, you will become delinquent on your mortgage and your credit score may be impacted. '' When I attempted to make my XXXX payment the online was blocked due to a forbearance being placed on my account. 

I called XX/XX/2020 to inquire about the plan once the forbearance was over and the impact on my credit score and I was told my an agent with Freedom Mortgage Corp # XXXX that my credit score would not be impacted due to it being a " national disaster and pandemic ''. I then inquired about the repayment of the missed payments and she explained the different options but then explained she could not tell me the eligibility criteria and I would need to call in the middle of XXXX to inquire about which one I was able to take advantage. She told me I could speak with loss mitigation but she came back and they declined to speak with me. I asked her how I would be able to make an informed decision without information? She had no answers and loss mitigation declined to speak to me because she stated " they have the same information I have ''. I should not feel blind sighted by this mortgage company ; I should be given the options for repayment and and criteria to determine if this program is a good fit for me.
Product: Debt collection

I sent a certified letter requesting debit validation for a debit that was sent to my local courts. The certified letter was delivered on XX/XX/year> and i have yet to receive a response regarding this debit validation. I just recently received a response from this company with a copy of a bill. This is not a validation of debit. 

I requested validation of the debit showing that this was in fact my debit but received a copy of a bill. I am asking that you provide the documents I have requested or to completely removed the debit, if you are not able to validate the with the information I requested. How are you able to validate the account but not provide me with the documents I requested? Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Thank you, XXXX XXXX I have attached a copy of the original letter
Product: Credit reporting, credit repair services, or other personal consumer reports

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Product: Checking or savings account

On XX/XX/2023 in the amount of {$200.00} I tried to utilize an atm and the atm malfunctioned and did not dispense my cash. Since then I have spoken to my bank and been denied a claim XXXX times. I spoke with the store manager at the XXXX the atm was at and they couldnt do anything, spoke with XXXX XXXX, the bank the atm was and they cant help me either.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A credit card account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) a credit card account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an auto loan Opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an credit card opened at XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ) An charge card Opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) a secured loan opened at XXXX on XX/XX/XXXX Account number ( XXXX ) a unsecured loan at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ). A collections opened at XXXX XXXX XXXX  on XX/XX/XXXX account number XXXX. A Bankruptcy XXXX  XXXX at XXXX XXXX XXXX GA XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$160000.00} XXXX  XXXX Balance : {$1500.00} XXXX BANK NA XXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$4500.00}