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

Recently I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX  has violated my rights. The Listed account above has flawed information under between 3 different credit reporting agencies in XXXX, Equifax, and XXXX. First Flaw is the Date account opened which differs from the Equifax and XXXX ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ). Second Flaw is the High Credit Amount which differs between XXXX and XXXX ( {$2300.00} ) from the Equifax Report ( {$0.00} ) Third Flaw is the Last day reported on the account which differs from the XXXX and XXXX ( XX/XX/XXXX ) from the Equifax report ( XX/XX/XXXX ). Fourth Flaw is the Last day Active report which differs from the XXXX and Equifax ( XX/XX/XXXX ) report from the XXXX report ( XX/XX/XXXX ). Final Flaw reported was the date of last payment reported which differs from the XXXX and XXXX ( XX/XX/XXXX ) from the Equifax report ( XX/XX/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 an 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. 
I have tried to communicate to the companies involved through the XXXX  otherwise known as the XXXX XXXX XXXX  and I have not received an accurate resolution in regards to my issue and the companies involved are taking extremely long for a resolution as it pertains and negatively affects to my mental health, sanity, and well being.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy showing on my credit and it shouldnt be as the credit bureau has no way of verifying this information with the bankruptcy court. The bankruptcy should not be on my credit as this information is not Verifiable.
Product: Checking or savings account

XXXX XXXX and XXXX XXXX are the branch manager and assistant branch manager of the Navy Federal Credit Union on XXXX XXXX. They are XXXX XXXX and XXXX XXXX XXXX. They have defrauded my account of tens of thousands of dollars in excessive authorizations since the accounts inception. They have precluded me from being able to contact the NFCU in any way shape or form other than by email. I am requesting that the FBI investigate them for money laundering, racketeering, drug trafficking and arrest them and discharge them from NFCU employment permanently as they are both XXXX XXXX.
Product: Mortgage

Santander Bank, my mortgage company, has failed to apply a check for my mortgage. I have provided a copy of the cancelled check showing that they cashed it on XXXX with my mortgage number typed on it by them. I contacted them on XX/XX/XXXX when I was informed in the mail about the missed payment. I was told to email a copy of the cancelled check to a customer service email. They assured me they'd expedited it as their normal business practice is to take 5-7 days to research these issues. I emailed the cancelled check. I called back on XX/XX/XXXX because I received a new notice in the mail. I was told this was the first they had heard of it and was provided with a different customer service email address to send my cancelled check as proof that payment had been sent. Both times the customer service agents stated they would contact me to follow up. I did receive an auto-response from the customer service email letting me know they'd received my message so I know they have the copy of the check they cashed on XXXX. I called today XX/XX/XXXX and was told they had until XX/XX/XXXX to inform me about their resolution. During all of this, to add to the frustration, their customer service agents have left me on hold for more than 10 minutes and one even hung up on me after having me hold for that long and every time I call I have to go through the entire issue as if they have no record of it. I just spoke with a supervisor and once again was assured I will hear back from her. There has been no return call as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following inquiry XXXX XXXX XXXX XXXX. Please investigate to insure there is no fraudulent activity.
Product: Mortgage

Bank of America broke the rules. 
When Bank of America represented to me and bona fide purchasers the subject property is vacant and abandoned, Bank of America, the Trustee, the Trustee Attorney, the servicer, and third party representatives intentionally made false statements during loss mitigation processes including, but not limited to, the modification and foreclosure processes. These knowingly false statements and representations on a mortgage, Deed of Trust, or real property were designed to mislead and deceive in an effort to solicit or gain a desired outcome, action or inaction, or result and are in violation of the California Business and Professions Code. 
I have never abandoned or vacated the subject property and remain in possession, control and occupancy of the subject property to date. 
The XXXX Requirements are as previously stated and are to include the following : Anytime during loss mitigation processes when either party believes Dual Tracking has occurred or may occur, any foreclosure process can only be brought as a judicial foreclosure and no non-judicial foreclosure may be had. 
All previously mentioned resolutions are desired and mandatory.
Product: Mortgage

Sent Freedom a Certified check for mortgage payment at there request. They would not allow me to do online Bill pay or pay online. Must be certified check per there representative. Sent on XXXX XXXX and was delivered XXXX XXXX to PO box specified by Freedom Rep. After payment was never applied to funds a week later I began calling trying to find out why. Per Freedom the check was sent to a different processing center in Indiana and would be applied to my account once received. After 2 weeks no funds applied, sent by fax receipts for Certified check and had to submit a written request for inquiry. XXXX XXXX they said they got my request and opened a help ticket, I was instructed to call back in 10 days. 10 days called back case was closed because they needed more proof I sent payment other then them signing for the check. obtained Proof from XXXX for cashed check front and back and faxed AND emailed to customer care the first of XXXX help ticket reopened told me to call back in 10 days. I called back they did not receive the the fax or email! help ticket was closed. Sent to work email of case worker per her request she would ope help ticket. 10 days later I called and she did not receive my email. I resent the email with her on the phone and she finally recieved it. I was told to call back in 10 days. I called back. I was told to call back in two days. I have called Freedom Mortgage over 10 times, they have never returned my call. usually I am placed on hold for 30-40 minutes before I give up and hang up. I emailed them and faxed them 3 times all the paper work they required. There stories keep changing of where my check was sent to. They send me Demand Letters for missing payments 3 times a week. I was served at my home by a courier service for missing payment, they claim they did not hire him.I have been charged Late fees and Home inspections fees for the missing payment. They have been reporting to the credit bureau since XXXX that I have been delinquent. Yet My payment was n't missing until XXXX. They will not return my calls, they are avoiding me, and have no idea where the cashed certified check made out to them is. It has been 5 months of my constant calling and emailing and faxing everything they requested and still I am in delinquency.
Product: Credit reporting or other personal consumer reports

The XXXX Credit Bureaus never investigate your disputes. They just blindly verify. While never producing your original contracts.
Product: Credit reporting or other personal consumer reports

This is the XXXX complaint I've made in regards to this issue. I was reviewing my consumer report and was challenging a " Charged-Off '' account for XXXX XXXX XXXX XXXX XXXX was paid in full in a timely manner. The original creditor ( XXXX XXXX XXXX ) decided to alter their information after I made an initial complaint with you guys. I've shown proof they were incorrect and had been paid. I am now seeking the credit agencies ( EQUIFAX, XXXX and XXXX ) correct the improper reporting record on my report. I should have never had a charge off placed on my consumer report and it has been hazardous to my credit score. It has been affecting me in a negative manner by preventing me to receive credit. I am providing the information dated XX/XX/XXXX that shows my insurance paid ( {$11000.00} ) on an owed amount of ( {$13000.00} ) which left a reamining balance of ( {$2200.00} ). I will also provide the GAP Insurance check in the amount of ( {$3600.00} ) which covered the remaining balance with an overpayment of ( {$1400.00} ). Then I've place the warranty cancellation check that was supposed to have been credited to the account in the amount of ( {$920.00} ). My insurance overpaid ( {$230000.00} ) and I have never received my money from the company. Not only have they not paid me, they've caused me financial damages in the aspect of being denied credit. I am currently seeking to go to arbitration so that I can sue in the amount of {$10000.00} ( I will upload paperwork ). The last car I purchased came with a higher interest rate and higher car payment due to the unsatisfactory business provided by XXXX XXXX XXXX. There are various inaccuracies that have been shared amoungst the XXXX credit agencies and thats why this report needs to be CORRECTED on my consumer report. FIRST OFF they were paid so a charge off should never have been on the account. Also there is a different " Last reported day '', " Date last active '' and " Date of last payment '' accross the board for all 3 agencies. Furthermore they have illegally reaged the account by continuing to report the charge off every month. These inaccuracies can easily be confirmed to not be true based on the information they've provided vs the proof of the documentation that I have uploaded. There's been a violation of 15 USC 6801 from the beginning by even reporting my transaction history. Thats a strict violation of the Privacy Act of 1974 which can be found at ( 5 USC 552 ( a ) ). Please enforce the 3 agencies to do the right thing for my accounts to prevent this negative damage from lasting any longer.
Product: Mortgage

My wife and I are a very strong couple. We have endured and have overcome all types of obstacles in our married life, but we have run across a scenario that we are struggling to manage on our own. Flagstar Bank is trying to sell our house through foreclosure, but is n't taking the time to try to help us save our home. The set of circumstances that led us to where we are today were beyond our control and no one at Flagstar has been willing to take the time to sort out the mess. 
We fell on hard times financially a couple of years ago and have been trying to recover since. I lost my job in 2012, which is what caused us to fall behind on our mortgage. After being unemployed for a while, I decided to start my own business in sustainable development and clean coal technology. As I 'm sure you 're aware, it takes time to build a successful business. Meanwhile, my wife started working part-time as a social worker and I eventually found employment working on commission ; and now my business is starting to take off. We 've picked ourselves up financially after a very stressful time in our lives. I was a XXXX XXXX in the XXXX XXXX. XXXX, and as such that 's what we do. However, Flagstar Bank is not cooperating with us and has not provided any options for us to save our home. 
I have tried to engage Flagstar to get a loan modification so we can keep our home, but have been given the runaround. They have not offered a review and have not taken any of our claims into consideration. Each time I tried to engage Flagstar, they would refer me to the VA. The VA in turn would send me back to Flagstar. Each of them passed the buck, and now Flagstar is setting sale dates and trying to kick me and my family out on the streets. 
If the government knew the shady dealings that surrounded this loan, they would be coming after Flagstar. I need assistance getting Flagstar 's cooperation. We simply want a review of our mortgage for all available retention options so that we can keep our home. We do not need a handout or be given something we do n't deserve, but we want the opportunity to be treated fairly. Our financial future looks bright and we will not have any financial issues moving forward if we can get this resolved reasonably. Thank you in advance for any help you could provide. We would like to see if you would be willing to contact them to see if they will deal with us professionally so we can keep our home. I would be grateful for any assistance you would provide to me, my wife, and our XXXX young children.
Product: Credit card or prepaid card

I was charged extra money for purchases and it took my account and said the negative which I just loaded my car and put money on there. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE-INSERT THE FOLLOWING ACCOUNTS, XXXX  XXXX XXXX  ( 2 ACCOUNTS.XXXX/XXXX, ALLY FINANCIAL, XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution - Reference to Federal and California Laws Dear GS BANK USA, I am writing to address a serious violation of my rights regarding the unauthorized reporting of information to my credit report. This action is in direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the California Consumer Credit Reporting Agencies Act under Sections 1785.10 and 1785.30. 

It has come to my attention thatGS BANK USA has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal and California law, as outlined in the FCRA and the California Consumer Credit Reporting Agencies Act, respectively, explicitly mandate that the consent of the consumer is a non-negotiable requirement for such reporting activities.

I assert with unwavering certainty that I have not provided consent for GS BANK USA to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that GS BANK USA immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 1785.10 and 1785.30 of the California Consumer Credit Reporting Agencies Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I anticipate your immediate attention to this matter and expect that GS BANK USA will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit card

I opened an American Express XXXX ( Amex ) credit card. Amex advertised bonus starpoints of XXXX for a friend referral. On XX/XX/2016, I contacted Amex to explain technical issues with their website prohibiting my friend from applying. I spoke to XXXX at Amex, ID XXXX, who asked for my friend to apply and that the points XXXX would be awarded later ( that I would get credit ). This never occurred despite my follow-up phone call on XX/XX/XXXX with XXXX ID XXXX. I am owed XXXX bonus starpoints for referring my friend, XXXX XXXX, who became an approved Amex cardmember as a result of my direction. 

I am also owed an additional XXXX bonus starpoints. On XX/XX/2016, I explained to the representative, Amen ID XXXX, that I had also referred my friendXXXX, and that I never received bonus points for that. Amen stated that he was sorry and would award me XXXX bonus starpoints. Unfortunately, I only received XXXX bonus starpoints. I am owed XXXX bonus starpoints as a result of the promise of the representative, Amen, on my conversation on XX/XX/2016. 

In sum, I request that Amex provide me XXXX bonus starpoints for the XXXX issues explained and to force them to comply with the terms of their consumer debt services.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

am using my report to challenge and investigate these wrongly reported accounts on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report on my credit file. I understand that FCRA 605B mandates reporting any incorrect accounts appearing on a consumer 's report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been offered a car loan multiple times from XXXX XXXX and have been turned down multiple times and they keep pulling my credit report and the inquires keep showing up on my credit report even when I turn it down or say no. 
I can't upload the needed documents for all whom have put negatives on my credit report and or XXXX XXXX because the drive that it was saved to on my phone was deleted and not by me.
Product: Debt collection

Hi My name is XXXX XXXX XXXX, I would like to file a complaint concerning credit card debt. I open a XXXX XXXX credit card XX/XX/XXXX issuing bank was XXXX. Card no. XXXX XXXX XXXX XXXX. More than 10 years I was maintain this card well, suddenly I lost my Job and having problem to pay my bill in timely manner. Long time I paid minimum payment. I had {$3400.00} balance, I stopped to pay Individual credit card payment and gave to " XXXX XXXX XXXX, New York '' to handle my credit cards. By this time XX/XX/XXXX XXXX cards sold my account to Midland Credit Management , Inc. See the attached first letter from MCM XXXX it is not welcoming letter, it is threaten letter, you will see a line " Your Experience with MCM will be different, Period ''!!!!, XXXX XXXX XXXX communicated with MCM, they did not agree to settle less than they have balance in the statement. By calling different source I figure it out MCM bought this account " Penny on the Dollar '' and called MCM, I proposed to take 25 % of the total balance but they did not agree with me. 

Now MCM sued me in the XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Tx XXXX, ph # XXXX, Cause No. XXXX Please help me out for make a negotiation to pay a affordable amount with payment plan
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter was sent to Transunion dated XXXX in regards to permissible purposes Title 15 US Code 1681n. Transunion then sent a letter stating they could not find a consumer file for I the consumer, ( I also put a freeze on my credit report ) Transunion Never answered 15 USC 1681n. Transunion sent a letter to I the consumer dated XXXX stating they could not locate a file with the consumer 's name I then sent a certified letter to Transunion regarding method of verification XX/XX/XXXX received XX/XX/XXXX XXXX. Again Transunion could not locate a credit file. Transunion has violated several rights protected by the FTC. Transunion did not remove some items on my credit report that were discharged in a chapter XXXX bankruptcy. My well being has been affected by this several times seen and unseen damages. I have tried several times to correct this. I have uploaded violations to be addressed, reason being is I have been ignored several times and willful non compliance has been committed against I the consumer. I ask that Transunion pay for violations, I ask that Transunion execute every condition that I the consumer have requested under the pursuant to Title 15 US Code Trade and Commerce within the laws of the United States of  America and that Transparency ( Executive Order 13892 October 9, 2019 ) be enforced.