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

Account had an active dispute on file for one in which multiple reps stated they could not attempt to collect money for said dispute but yet they continued to bill and call Then in the process of a collection call I requested covid coverage they advised the minimum was reset to {$0.00} due for the months of XXXX and XX/XX/2020 Additionally I paid the card in full mind you it is closed account and the balance was only {$230.00} I paid it off in XXXX one of the months they are reporting as well if I can afford to pay the {$230.00} clearly the {$20.00} wasnt an issue I set the arrangement much like everyone else out of growing concern for what the future held at the time given all of the uncertainty I trusted their service as prior to this point things went relatively smooth and it could very well be just an oversight but it was one of great inconvenience and greater cost to me as a customer of 8 years in positive standing they not only cost me several closed credit lines but theyve insulted me in every way since from multiple departments including the office of the President At one point credit report said 120+ days past due including months after paid off I advised them of this they said that never happen so I had to send a copy then I advised of the calls they said that never happened so I sent the logs then they said oh well we had already listening to those calls but then today they said they dont have any recordings and they were outbound calls that were lent recorded so Id say a few mix ups haha
Product: Checking or savings account

I have been waiting on my direct deposit for days now putting me in a bind with bills that I have to pay causing me more money because a lot of my bills were returned. I am now behind {$3000.00} on bills.
Product: Mortgage

I am filing a complaint against Aim Loan. On XXXX XXXX, I scheduled a mortgage payment to process out of my checking account on XXXX XXXX. I did this at Aim Loan 's online mortgage website. On XXXX XXXX and XXXX, I tried to cancel that payment, but I could n't find anywhere to do that online. On XXXX XXXX, I called Aim Loan, and their offices were closed. On XXXX XXXX, I called Aim Loan and got through to customer service. I was informed that I could n't cancel or change the appointment because it was " outside of the change window. '' I asked what the change window was and was told that I had ONE HOUR ( after I scheduled the payment ) to change or cancel that payment. Nowhere on the website ( as confirmed by an Aim Loan supervisor ), does it tell me that I had only ONE HOUR to change or cancel that payment. Had I known that, I would n't have scheduled that payment. The supervisor told me that the only way I would have known that is if I 'd called and asked. I called my bank to stop the payment, and it 's {$20.00} to do that. I will pay it, but I should not have to since there was no information about the ONE HOUR. Also, I have no idea if Aim Loan will also charge me. Please let me know how to proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has 5 HARD INQUIREYS on credit report. Starting with XXXX XXXX. I never tried to buy house or it would have been bought .The other 4 hard inquires are when I got onto credit sesame e and my file was linked but those 3rd party credit services lie and scam. I need all 5 inquires off my XXXX report. This is hurting me. My children and elder mother. Trifling how these companies don't even do business in America. They lie to the XXXX and other XXXX to do and say what they tell them. My 5 gard inquires are fraud.
Product: Mortgage

My request for a loan modification begin XX/XX/XXXX thru present date XX/XX/XXXX, over a year pending final loan modification payment. With me on multiple occasions, submitting, resubmitting, consistently completed required requested documents to Home Bridge Financial Services and with a successfully completed trial payments of {$1600.00}, from XX/XX/XXXX thru XX/XX/XXXX. 

I called Home Bridge Loss Mitigation Department XX/XX/XXXX, regarding a major concern with my modification/trial payments of {$1600.00} as to why such an outlandish monthly amount. With all requested hourly pay check stubs submitted and confirm receipt from the company to review. I was directed to speak with Mr. XXXX XXXX ( Underwriting ) to address my concern. 

XX/XX/XXXX I had the opportunity to speak with Mr. XXXX on a recorded line regarding the calculations of my successfully paid trial payments {$1600.00} and addressing the outlandish amount of final modification payments of {$1600.00} and an increased interest rate. Mr. XXXX stated let me take a look at your package we received. He noticed and stated that my check stubs reflect 2-months of high overtime hours 50+/70+, my response yes that would be XX/XX/XXXX & XX/XX/XXXX peek mandatory months, with co-workers on vacation or out and due to annual year-end closing of company books. XXXX XXXX, acknowledge that he saw/see the error that the overtime was calculated as 12 months as oppose to the 2 months based on pay by the hour as reflected on check stubs and said that HUD cause the error. Im not by any means interested in finger pointing, my FOCUS/DESIRE is maintaining my home with a correct recalculated lower monthly payment and interest rate until paid in full for my children & me. 

I've provided the complete re-modification package more than once and all information required was provided within the allotted time frame. The mortgage company should honor the fact that they made the error and correct it based on the dates and information they've ALREADY Consistently and Variously received. Their negligent behavior has taken a toll on not only me but my family and I'm now being told we may soon have to vacate our home, leaving us destitute and homeless if i don't come up with $ XXXX per their letter they mailed me received XX/XX/XXXX and XX/XX/XXXX for {$9600.00} that their attorney letter stating i need to pay to avoid foreclosure. This within itself shows error and conflict of information within the Mortgage company and information they're providing to their attorney 's office. This is Mentally stressful and a depressing state of mind to be in with a desire to keep my home. 

To keep my home i did re-submit the package via ( email, certified mail to Home bridge ) that Mr XXXX XXXX Underwriting department advise his colleague to send me via email Ms. XXXX XXXX Loss Mitigation department.
Product: Money transfers

My mother sent me money from her Wells Fargo Bank account to my XXXX XXXX XXXX Account. It was sent on XX/XX/2017 and it is XX/XX/2017 and have not yet received the money. I have an email showing the transaction date of XX/XX/XXXX but not money as of XXXX EST. I am XXXX and trying to return home and have limited access. This is absolute unacceptable that a bank is allowed to hold onto money this long. It has been officially over 3 business days. If I was to transfer money to my mother the other way around she would get it less than 24 hours. How is it a bank can hold on to money transfer this long.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit reports and became aware that XXXX reported late payments that I don't recall ever being late. I have had this card since XX/XX/XXXX and it has always been in good standings. The following are the dates that XXXX are reporting late payments that are having a direct impact on my credit score & credit worthiness. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

I have requested XXXX proof that the alleged late payments are correct and as of this date XXXX has been unable to provide me the information I'm requesting.
Product: Credit reporting or other personal consumer reports

Since XX/XX/2023 I have been disputing multiple fraudulent that is report to my report. I have filed a police report and an FTC report and there are still some accounts that should not be on my report. I have disputed will all XXXX credit bureaus and only XXXX have resolved my issues and removed all accounts. XXXX have removed some there are still XXXX accounts that needs to be removed. Equifax have not removed none of the accounts. 

15 US. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Its has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$630.00} XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

We have made several attempts with XXXX XXXX to correct the inaccurate information on our credit report. Account was paid in full and close XXXX 2020. However, XXXX XXXX has shown not only a balance of around {$600.00} with late payments after the account was paid in full and close. Moreover, XXXX XXXX has charged off the account and sold our supposed debt to another collection agency. We have made numerous calls to XXXX XXXX trying to resolve this issue without results. Throughout the history of this account we made our payment on time and still and XXXX reported inaccurately and would constantly call us requesting payment on an account that was current. This is the reason why we ended up closing the account in 2020. We have also disputed this with the credit agencies but still the derogatory remarks remain. We are not at the point of seeking legal action against XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. Account name : XXXX XXXX XXXX XXXX, # XXXX, ( EQUIFAX, XXXX ) XXXX. Account name : XXXX XXXX XXXX, # XXXX. ( XXXX, EQUIFAX ) XXXX. Account name : XXXX XXXX, # XXXX, ( XXXX ) XXXX. Account name : XXXX XXXX # XXXX, ( XXXX ) XXXX. Account name : XXXX XXXX, # XXXX, ( EQUIFAX ) XXXXAccount name : XXXX, # XXXX XXXX ( XXXX ) XXXX. Account name : XXXX XXXX XXXX, # XXXX, ( XXXX, EQUIFAX ) XXXXAccount name : XXXX XXXX XXXX XXXX, # XXXX, ( XXXX ) XXXXAccount name XXXX XXXX XXXX XXXX XXXX XXXX, ( EQUIFAX ) XXXXAccount name : XXXX XXXX XXXX # XXXX, ( XXXX XXXX XXXX. Account name : XXXX  # XXXX, ( XXXX ) XXXX. Account name : XXXX XXXX, # XXXX, ( XXXX ) XXXX. Account name : XXXX, # XXXX, ( XXXX ) XXXX. Account name : XXXX XXXX XXXX  # XXXX, ( EQUIFAX ) XXXXAccount name : XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

2. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX XXXX Transunion : The Fair Credit Reporting Act ( FCRA ) allows me to dispute any information on my credit report that I believe is inaccurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting on do not meet federal or state requirements for reporting and can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said. You are required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2XXXX  so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am filing a complaint because my rights under the Fair Credit Reporting Act have been violated by XXXX XXXX XXXX. In XXXX of XXXX, I became aware that XXXX had reported a Credit card charge-off on my credit report. I disputed this account and requested through the three credit burease and to XXXX directly if that could produce a signed contract that is needed to verify an account according to the FCRA. They did not have the required documentation to verify this account. I went through five rounds of reinvestigations over the course of two and a half years and not once were they able to produce any documentation that would verify this account in accordance with the FCRA. It has now been over seven years since this account was listed delinquent and it is time-barred from being reported on my credit report. After notifying XXXX of the law and their inability to continue to report this debt, I was met with an act of retaliation. XXXX recently flagged that account as a charge-off, again, even though it was charged-off over seven years ago. How can an account be charged-off more than once? This is clearly inaccurate and is a deliberate act to harm me for the protected activity of requesting verification of a debt. This retaliatory act has caused my credit score to drop significantly and has defamed my character. This caused me to be denied for a home and for lines of credit, leading to direct financial damages and permanent defamation of my character. My only goal was to get XXXX to follow the law, now I am paying the price. I am requesting that XXXX XXXX XXXX comply with the requirements of the Fair Credit reporting act and the Fair Debt Collections Practices Act and delete this time-barred account from my credit report. If XXXX refuses to follow the law, I will file suit for Defamation of Character, Retaliation, and Fraud under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked all three credit bureau 's to remove any address that is not XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX 

I have asked repeatedly that every name except XXXX XXXX XXXX be removed. i do not have aliases. 

I have repeatedly asked that any employment be removed besides XXXX XXXX XXXX be removed from my profile. 

Under 15 U.S. Code 1679c irt is unlawful to continue to report invalid information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letter after letter and filed dispute after dispute on a few items on my report to Transunion. Every incident they are reporting that the dispute remains because it was verified by data furnishers.     I have sent letters to request proof of their verification process and to send me a copy of the proof bearing my signature that the account belongs to me that these data furnishers have provided to them that makes them refuse to correct the disputed error.
Product: Credit card

After I recently filed a complaint to Discover from the CFPB, they said they decided to close my account right after I filed that complaint. It's my right as a consumer for me to file a complaint without it adversely affecting me. I'm a college student and this was my first credit card, so it really helped my credit score, and this could really mess it up. I've paid the account balance off despite their lack of response to my first complaint where they put random charges in my account, so now not only do they owe me money, but they are messing up my credit score too. I am so upset and angry and this is really hurtful, I want assistance from someone in filing a lawsuit against this company if possible. How could they not even respond to my complaint and just close my account?
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The sent letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

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

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiry reporting on my Credit Report : XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon doing a thorough review of my credit files, I discovered errors on all three Credit Reporting Agency Reports ( XXXX, XXXX, and XXXX  ) from Navient/Dept of Education. I have two accounts from Navient, and both accounts are reporting a " 90 day late payment '' in XX/XX/XXXX, on all three credit bureaus reports. I have contact Navient directly multiple times to speak to the customer service representatives to verify my account payment status. They confirmed that I do not have any " missed or late payments '' in their computer system and in their system for the month of XX/XX/XXXX payment was made on time. They said they couldn't do anything but that I had to contact the agency they use that reports to the Credit Bureaus for them. In XX/XX/XXXX I mailed a letter to the company via the address they gave me. I received no response. I contacted Navient again, and they stated they can not do anything. I sent an additional letter to the company Navient uses again in XX/XX/XXXX and still received no response nor were my credit reports ever changed. I tried to contact the Bureaus individually and was instructed to contact Navient. 

Furthermore, I tried to dispute with the bureaus. For all three credit bureaus it is reporting as follows on both Navient accounts : XX/XX/XXXX-XX/XX/XXXX " Ok '', XX/XX/XXXX " 90 days late ''. It is not mathematically impossible to be on time three months prior and then all of a sudden " 90 days late ''. I want this fixed immediately as it is reporting incorrectly and as such is impacting my credit negatively.