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

this is to follow up regarding the ongoing presence of negative items on my credit report despite my repeated attempts to have them removed. Despite providing thorough documentation and evidence to support the removal of these negative items, they continue to appear on my credit report. This persistent issue not only undermines my financial reputation but also poses a significant threat to my financial well-being. I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the presence of these negative items on my credit report. They have significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities necessary for my financial stability. 

I urge you to prioritize this matter and take all necessary measures to ensure the prompt removal of these negative items from my credit report. Failure to do so will compel me to escalate this complaint further and seek legal recourse to protect my rights as a consumer. Please help me remove this items immediately : 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 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: Debt collection

This collection has been paid in full, but it is still showing on my credit report. I would like for Consolidate Recovery Systems to remove the account as agreed. 


CONS REC SYS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX XXXX Placed for Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$0.00} Date Updated : XX/XX/XXXX Original Amount : {$100000.00} Original Creditor : XXXX XXXX ( Medical/Health Care ) Pay Status XXXX ; Account Paid in Full ; was a Collection XXXX ; Date Closed : XX/XX/XXXX
Product: Credit card or prepaid card

I filed a complaint re charge on XX/XX/XXXX. Received letter on XX/XX/XXXX that understand you now recognize the transaction and wish to cancel the fraud case of {$220.00}. This is totally false. Have called several times and told it will be taken care of. To date, it has not been taken care of. Today been on hold for over 1 hour trying to resolve dispute and now trying to cancel card.
Product: Checking or savings account

I am on XXXX and still and get direct deposits to my Navy Federal account. Every time I turn around my app will show a balance after a pending charge had been subtracted. Then next day they have me missing money cause the rearrange days of purchases and deposits to make it seem late to charge me insufficient funds charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX, XXXX I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possibleXXXX XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$370000.00}
Product: Credit card or prepaid card

I XXXX XXXX have contacted the company through an email Portal for fraud in XX/XX/2020 because the numerous times I tried to contact them by phone which is their policy, they had such high call volume due to covid19 their call center did not allow any customer calls. In conclusion it took them literally one day to so called review my claim of over {$1300.00} to only close my account and only send my balance of {$250.00}. Please help. My card was fraudulently used and I need those fraud transactions refunded. I agree with the closure of my account American express serve is a bad company and not enough security barriers for clients funds
Product: Credit reporting 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX BALANCED {$670.00}
Product: Debt collection

Gurstel Attorney has tactics that involve illegal and harassing practices. Exempt monies in my back account have been frozen. I dont have paperwork with dates or legal signatures on them. This attorney is trying to take over XXXX XXXX dollars of my savings that came from XXXX XXXXXXXX benefits social security back pay that I received after years of fighting for.
Product: Vehicle loan or lease

I took an auto loan out from US Auto Sales almost 3 years ago. I remained current until they closed their company earlier this year. After which, Westlake Portfolio Management took over the loan. They refused to send a power of attorney for almost 2 months. At which point they claimed I owed over {$1000.00} in " late fees '' that accrued while I they refused to send a POA. Once received, I attempted to work with them. Requested that they differ these " late fees '' to the end of the loan, they claimed the interest raise on the {$750.00} differed would increase drastically enough that I would own an additional {$5000.00} at the end of the loan. They also claimed I owed over {$17000.00} on the principle of the loan. I told them this was impossible as the total loan was {$20000.00}, and I had been paying for almost 3 full years. Should be at most XXXX XXXX remaining. They said I was wrong. I requested a copy of the contract to validate the amount owed and the interest rate. They refused, and continued to refuse any and all validation or documentation from that point forward. Their customer support team is abusive, and dishonest. When I requested call recordings, they refused again. They have now repossessed my vehicle at this point. I told them I would not pay until they validated the debt, and since they have refused to send any validation, they have now taken my car from me. I have since learned that they are denying titles for other individuals who do pay their balance, as well as double charging, reporting payments incorrectly, or not at all - all on top of attempting to collect on an invalid amount. This is a predatory company running scams on those who do not have good credit, or the means to truly defend themselves against a company like this. They are preying on the people who have the least, and it is disgusting. I was told by an attorney to leave a complaint here, and I hope this makes some kind of difference.
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 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 has violated my rights. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since last year of 2022 I have been going back and forth with the data/credit reporting agency LCI about their CONSTANT violations of my rights by reporting inaccurate information concerning a bankruptcy to the XXXX credit bureau . The last response letter I received from LCI in it, they claim to have verified this bankruptcy with the bankruptcy court and they also state " LCI is a furnisher for FCRA purposes and provides publicly available bankruptcy records to XXXX for XXXX 's inclusion in XXXX 's consumer reports. LCI is unable to remove or change any of this information from your XXXX report. If you believe there is an error with the bankruptcy notice itself, you may need to contact the United States Bankruptcy Court to address any inaccuracies ''. 

Upon receiving there response, I did just that and conducted my own research and investigation and found them to be in violation of some FCRA laws. I also contacted the bankruptcy court myself via letter on XX/XX/2022. In their response letter back to me they state, " As the Bankruptcy Court is not a credit reporting agency nor an information provider of the FCRA, the Court is not required to conduct investigations or respond to disputes ''. 

So if thats the case, how did LCI verify my bankruptcy as 100 % Accurate? ... They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

LCI have violated my rights numerous times.

LCI violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to : 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.
Product: Bank account or service

To whom it may concern, I have transferred {$100.00} to my friend using Chase quickpay on XX/XX/2016, even I got the transaction number XXXX, but my friend did not received it. So I called the bank to help me find out where is my money and asked the representative to show me proof that the money was sent to XXXX XXXX XXXX. However, I was not given any evidence to show that the money was sent to XXXX XXXX XXXX until today, I am still missing {$100.00} in my account. And a representative of XXXX XXXX XXXX asked me to prove the money was sent to XXXX XXXX XXXX. Otherwise they can not help me find where the money went. 
Thank you very much. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

We called the mortgage company in XX/XX/XXXX to get a month deferment. We were told they couldn't do XXXX XXXX but they would do XX/XX/XXXX, and XXXX and XX/XX/XXXX. We would need to call in XX/XX/XXXX to get options. We called in XXXX and were told they approved the deferment. In XX/XX/XXXX we were told by the Mortgage company it would take 45 days to process the paperwork and that our XXXX payment after their processing wouldn't be until XX/XX/XXXX. We requested the paperwork and received it showing no payment due until XX/XX/XXXX. ( See attached ) On XX/XX/XXXX we resumed our payment but then realized we had XXXX late payments appear on our credit reports for XXXX and XX/XX/XXXX. So we called several times to the Mortgage company to have them correct it. We even filed disputes with the credit reporting agencies and to date these XXXX lates have not been fixed. We have never been late on our mortgage. And the XXXX lates were in deferment while we were waiting on their paperwork as per their instructions. We feel they need to be corrected.
Product: Mortgage

I applied for modification 8 months ago and have not received any results i submitted documetion each time requested. On XXXX to XXXX different occasions i was told to refax documents because they claimed they were not received, i think the servicer not completely honest about this process. I spoked with XXXX different supervisorsrs and received no results. I need yOUR HELP PLS,
Product: Mortgage

On XX/XX/XXXX my mortgage was transferred from XXXX XXXX  to Gregory Funding. I was in the middle of a loan modification - and was assured that Gregory Funding would honor the terms of my loan modification with XXXX XXXX. 

I have tried on 6 occasions since XX/XX/XXXX to have my loan terms correctly applied with Gregory Funding and have been given excuses as to they need more time to setup my account and or they dont have the loan modification agreement. I have sent them the loan modification agreement via fax that Gregory Funding provided on XX/XX/XXXX, emailed after getting no response on XX/XX/XXXX, and then uploaded to their website on XX/XX/XXXX. Not to mention that every call takes a minimum of 20 minutes on hold before you speak with anyone! 

All I want is for Gregory Funding to accept the terms of my loan modification, which they must legally honor in accepting the transfer of my account from XXXX XXXX. I have placed XX/XX/XXXX payment in escrow as they have refused to accept the funds and will do the same for XX/XX/XXXX if this is not resolved quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Irecentlypulledmycreditreportfromall3bureausandfoundmanyerrorsthatIhaverequestedtobeupdatedorremovedandthebureausarenotdoingasIask.Theywillsimplyputastatementthatsays"MeetstherequirementsoftheFCRA''butitdoesnotmeettherequirementswhensection602isbeingviolated.Iaskforphysical,documentedproofthattheseaccountsaremineandtheyREFUSEtoprovidetheinformationrequested.

1.AcompanybythenameofXXXXXXXXisreportingaXXXXXXXXXXXXaccountthathasbeenturnedoverforcollections.TheylistisasbeingopenedonXXXXbutnoinquiryshowsuponmyfilestoshowthatIevenappliedforanaccountwithXXXXXXXXbecauseIneverhadanaccountwiththemthatwasasoleaccountofmine.WhenIcallthiscompanytheywillnotprovidemewiththeoriginalcontract,why?BecauseNOCONTRACTexists.ThecreditbureausareinpureviolationofXXXXXXXXCompliancethatspecificallysaysallinformationbeingreportedtothecreditbureausmustmeetcertainandproperformattingandtheydonot.MuchoftheinformationismissingandthisisaMetro2Complianceviolation.ThisaccountwithXXXXfundingisonlylistingXXXXnoonecanlegallycontactXXXXXXXXwithsuchaccountinformationandthereforeitisincompleteandamajorviolation.

2.XXXXXXXXisreportinganaccount,onceagainthebureaussayitmeetstherequirementsoftheFCRA,Iamdemandingwrittenproof,meaningahandsignedcontractthatsaysthisaccountismine.IhaveneverhadXXXXandyettheyarereportingthisonmyfiles.AlsoincompleteandmissinginformationmakesitveryhardtovalidatesoonceagainaMetro2Complianceviolationistakingplace.TheonlythingbeingreportedisapartialaccountlistedasXXXXthisisnotavalidaccountnumberandneedstoberemovedimmediatelyorsendmeverificationintheformofasignedcontractfromthecreditorshowingthisismine.

3.Alsotheyeachhavemanyoldaddressesbeingreportedonmyfilesalongwithmanynamesthatareincorrectandneedtoberemoved.TheonlythingthatshouldbereportingismycurrentaddressofXXXXXXXXXXXXXXXXXXXX,COXXXX,andtwonamesXXXXXXXXandXXXXXXXXXXXX.

ImmediatelyremovaloftheaboveinformationisdemandedorIwanttheminvestigatedforFCRAViolations.

3.
Product: Checking or savings account

My debit card, along with my wallet was stolen on XX/XX/2019. I immediately reported this incident to my financial Institution, Bank Of America. I was told the investigation would take 10 business days to be completed, or I would be given a temporary provisional credit on the 10th business day. I received a message on XX/XX/XXXX, saying my claim was denied. I quickly inquired about this, and I was told the reason it was denied is because the person didn't have any unsuccessful attempts entering my pin. I was mortifed by this ridiculous reason, so I asked that this claim is reopened and escaped immediately. I was told to send a police report ; however, I was never asked to send one prior to my claim being denied. BOA is horrible for denying my claim and not adequately investigating it.
Product: Mortgage

Hi my name is XXXX XXXX and I am complaining on Vanderbilt Mortgage.. I am under bankruptcy.. I have a insurance claim that was filed under my Insurance. They are giving me problems with issuing out the money to get the home fixed.. I have took out money out my account to get home fixed because they have been prolonging with sending money to fix and pay when the job is finished.. when I call them they dont seem to care but they are holding on to insurance money that I pay every month for my home to be protected and this is by far the worst experience that Ive dealt with.. because I love my home and theyve waited 2 months for my home to be fixed after my insurance company did their job to make sure that my home gets fixed.. Ive sent everything they always ask me to send and I give them days to process that and when I call back they come up with something else for me to send in.. & again this has been going on for 2 months.. Ive had other damages in between this time because of storms and rainy days coming through.. This is the worst finance company ever ... I feel as if they are defrauding my insurance..
Product: Credit card or prepaid card

Purchased XXXX netspend prepaid cards yesterday, yesterday on XX/XX/2022. Called XXXX Netspend customer service, last night to activate the cards and they were activated. Today I receive an email from netspend.com customer service that my cards ending in XXXX, XXXX, XXXX, XXXX, and XXXX are unable to be fully activated and are closed now. in store locally. On each card I deposited a sum of {$450.00} and there was a card activation fee of {$2.00} for each one as well. This is well over {$2000.00} that I spent on Netspend.com cards. I went home yesterday and went through the process of activating these cards and XXXX of the XXXX I was able to activate successfully. Netspend only allows XXXX active netspend cards per social security number and so when I attempted to activate the fifth card, I was prompted to call customer service to complete the activation of the last card. After waiting on hold for a customer service representative for over an hour, the representative attempted to activate my XXXX card, however she was unable to. She informed me that my account was locked and I'd have to send in the necessary documentation to XXXX in order to unlock my account. I sent in a picture of my active drivers license, social security card, and a utility bill as requested and awaited the reinstatement of my account. This afternoon, I received an email from Netspend corporation 's email that my accounts can not be activated and will be closed. I am unable to access the funds within my accounts totaling ( {$2200.00} ). And rather will have to wait almost two weeks for a check in the mail for my funds. This is unnacceptable as it is the begininning of the month, I have bills to pay, a start-up business that I am establishing and family to support. Not to mention, I never at any time violated Netspend 's terms of service for their cards and accounts! This is robbery to take over {$2000.00} from a customer for over two weeks and they have not even violated the terms of use for the services advertised. I am requesting immediate access to the funds within my cards so that I can withdraw them and cease from using Netspend.com services for the forseeable future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In accordance with the Fair Credit Reporting Act : the following companies have all violated my rights and I would like to have the issue reviewed and resolved as soon as possible as the inaccurate items are causing me financial hardships resulting in a lower FICO score. 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 : A consumer reporting agency can not furnish an account without written instructions.

15. U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt This company has violated my rights : XXXX XXXX XXXX Late Payment reported : ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 
Account # : XXXX Account Type : Mortgage This company has also violated my rights : XXXX XXXX Account # : XXXX Account Type : Mortgage Account Type - Detail : Conventional real estate mortgage Bureau Code : Individual Account Status : Closed Monthly Payment : {$780.00} Date Opened : XX/XX/XXXX Balance : {$91000.00} No. of Months ( terms ) : XXXX High Credit : {$100000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Affected by natural disaster Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Inaccurate addresses on my file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX