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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, This company XXXX XXXX XXXX XXXX is basically behaving on ethical. 

They he failed at every attempt to provide Proof that this fraudulently alleged account belongs or have any Bering related to me. There is no one to talk to him when you call in besides customer service periods you are constantly being transferred to the apartment where you can only leave a voice mail and your phone calls are never returned and I can no longer go on like this my credit is shot my credit was ruined this has to come to an end.

I don't know how to go further but I will have to take legal action to the fullest extent of the law and I will keep from now on a very clear record of all my communications showed I need to file another claim.

Nevertheless, experience has not uphold its lore by providing me within 30 days Proof which is they received from the alleged fraudulent account in this case pens fed that there is any accuracy related to me buy more this must be removed not only because it fails every component of the federal Credit reporting act but it's sales the fact that this is my accountant this is not my account I am reiterating.
Product: Credit card

I applied for a XXXX XXXX Credit Card Account. I was approved for a card in-store and made a purchase. I never received a card in the mail or a statement in order to make a payment. I called on XX/XX/2024 and requested a card be sent and a statement. I also requested account information in order to create an account online to make my payments. They refused to provide information over the phone stating I had to wait for a card in the mail. I still have not received a statement or card in the mail to make an account to make a payment online. I called again on XX/XX/2024 to resolve the issue and spoke to five different people who can not help me. They told me I am being charged late fees and interest on the card. ( card is interest-free for 24 months ) They have refused to remove the late fees and then tell me I have to wait for a card in the mail in order to make a payment. In which time my card will continue to accure late fees and interest on a interest-free card. Why can I not get them to send me a card in the mail? Why can they not provide me an account number or any information even though they have to verify who I am? And how is this company even still able to do this to people?
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 
In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 





XXXX XXXX # XXXX - IDENTITY THEFT UNAUTHORIZED INQUIRIES : TransUnion XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> 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 of 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

Experian and XXXX have kept this negative XXXX collection/closed account but have changed the status just to hide it on my credit report. XXXX had deleted the collection account for some months now. I request a swift deletion from the other XXXX bureaus as experian also is showing it as a charge off and XXXX  shows it as a closed account which is innacurate and needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reported late payment on all my credit bureaus I paid this car on time never late for 2 years.i then only had 2 payments left which was about {$850.00} I traded the car in with the same dealership I got the car from and was told the check toward the credit company   XXXX   XXXX    will be sent next day and paid off. I signed for a new vehicle and drove off. I called every few. Days to make sure everything was paid off and was told it will be handled that day.. 2 weeks went by and was told it was sent off ... I later found out I had a late payment on my credit report .. I have tried to dispute this for a year now. This is not my fault I believe!! I even told the dealer and they said you can easily dispute this As you see on attached file, it was closed " PAID '' off in XX/XX/XXXX  so it only makes sense of my issue I also need this to state PAID NOT CLOSED!!! I paid 2 years to pay this account off
Product: Credit card or prepaid card

I used my credit card with Comenity Bank to book a vacation package for me and my wife totaling {$2600.00}. The travel agency was shut down due to fraudulent business practices. I filed a dispute with Comenity Bank for none receipt of services. I was given a temporary credit which was later charged back. I communicated with the bank several times for an explanation for the reversal of credit and all they explain to me was that the charge was non-refundable. It is true it was non-refundable if I cancel. But I did not cancel. The merchant is totally unable to render the services my wife and I paid for. 
I have even contacted to Comenity 's CEO because I believe the persons processing my claim don't know what they are doing. I didn't get any response. 
Attached are letters and attachments I sent/provided to Comenity Bank. 
I will be traveling starting today XX/XX/2019 until XX/XX/2019 and will have limited internet access in case you need to contact me and need a response. 
I hope you can assist me with this issue. 

XXXX XXXX XXXX
Product: Debt collection

PInnacle contacted in me in XXXX 2014 in regards to maintence fees with XXXX XXXX. I have been in dispute with XXXX since XXXX 2014. I sent Pinnacle a cease and desist notification to alert them they are pursuing a disputed account. I received another notice by Pinnacle in XXXX and responded in XXXX. I have always responded within the 30 day timeframe that was specified. Now we are in XXXX and I have yet another notice of collection for the same disputed account! XXXX is ignoring my dispute and PInnacle is ignoring my cease of communications!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Settled in full with XXXX XXXX XX/XX/XXXX XXXX Credit reports reflect derogatory information. 

I reported to aXXXX XXXX on XX/XX/XXXX to attend basic combat training at the United States XXXX XXXX XXXX, XXXX XXXX, South Carolina. After completing the nine-week basic training course, I was transferred to the US XXXX XXXX XXXX XXXX at XXXX XXXX, Arizona. I graduated from the XXXX XXXX XXXX   course in XXXX of XXXX and then completed XXXX XXXX at XXXX XXXX, Georgia. 

Amazingly, I XXXX twice in three years to XXXX. During my years of service, I received the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX   XXXX, and XXXX XXXX for the XXXX Rifle and the Hand Grenade. 

Axis has taken adverse action against me for the same debt. This harm to me during a pandemic is mostly because I am XXXX American. Can there be some since of justice? I never received the accelerant letter until last month. The Gap claimed I had requested last the 90 days and even after a settled in full contract another company has taken adverse action against me.
Product: Debt collection

Hi & good evening! - Please clarify the payment status, comments, balance and account number as they might be erroneous. Correct or delete them from my credit report altogether. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Debt collection

The company that keeps reporting on my credit monthly like I owe them a utility bill currently which is killing my credit score and I have not lived in Iowa in over seven years so the reporting time is incorrect because this bill has been on my credit longer than seven years and they keep selling my information to another collection agency and then they start over from scratch again I find that to be illegal and unlawful to keep messing up someones credit for utility peel that Im telling them I did not have. The landlord who is staying there at the time is now deceased so I cant rectify why utilities were still on in my name at the time that I was not living in the unit
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once I was released from the hospital, I contacted XXXX  XXXX customer service department and explained to a XXXX XXXX representative that I had been hospitalized as a result of Covid-19, which caused my payments to late. The original amount I owed on the XXXX XXXX XX/XX/2022 statement was only {$34.00}. When I released from the hospital in XX/XX/2022 the amount owed on the XXXX XXXX credit card bill had ballooned to {$140.00} after late fees and other charges were added. 

The XXXX XXXX representative stated she could not waive all the fees but she granted a partial waiver and waived some of the fees and I paid the credit card bill in full with the representative on the phone in the amount of {$63.00} via my checking account/ACH transfer. 

I informed the representative I was concerned about XXXX XXXX reporting the late payments to my credit reports. I have decent credit and have not paid a bill late in over twenty years. The XXXX XXXX representative told me she would notate my account that had been affected by XXXX XXXX and in the hospital which caused the late payments. My XXXX XXXX bill had always been paid on time until I got sick with XXXX XXXX. 

Per the guidance provided by the XXXX XXXXXXXX website and representative my account would not be reported late to the credit reporting agencies/companies because I was affected by XXXX XXXX and due to the federal CARES Act and XXXX pandemic XXXX would not report a late payment. 

Unfortunately, even after all the public assurances given on the XXXX  XXXX website and by the XXXX  XXXX representative I spoke with, XXXX  XXXX did and continues to report late payment ( s ) to the credit reporting agencies, XXXX, Experian and XXXX. Which has and continues to negatively impacted my credit scores. 

I have attempted to reach back out to XXXX XXXX customer service and I was told there was nothing they could do to remove the late pay ( s ) from my credit reports even if it was a result of me contracting XXXX and being hospitalize. I also attempted to contact XXXX XXXX XXXX office via email but did not receive a response from XXXX XXXX via email.
Product: Checking or savings account

Bank of America froze my account today XX/XX/year>. I called they said my account was in the process of closure, that I had to wait XXXX hours for them to have a closure date. They did not give me my money I had XXXX dollars there, and my direct deposit pending for XXXX. I am stranded with no money and bills owed.
Product: Debt collection

My credit report is showing I owe a debt to collection agency LVNVFunding for {$1400.00} for utilities in Texas. I have not lived in Texas since 1977 when I was XXXX XXXX XXXX. I have had no response from this fraudulent company but I sure too an almost XXXX point hit to my credit score. I want something done.
Product: Credit card

Credit card Marcus by Goldman Sachs froze my account with no explanation other than they thought some charges could be fraud. We reviewed the charges and none were fraudulent. Still will not release the card for use.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of incorrect information from my credit reports with the three major credit bureaus : XXXX, XXXX, and TransUnion. Despite numerous disputes regarding this matter, the inaccuracies remain unresolved. 

Specifically, the issue pertains to my XXXX XXXX account ending in XXXX. I have recently received a letter from XXXX XXXX dated XX/XX/XXXX, which acknowledges the errors in the reported information. The letter explicitly states that the Account Status, Account Description, Date of Last Activity, Date of Last Payment, and Term Length were inaccurately reported, and it requests that the Consumer Reporting Agencies ( CRAs ) remove the incorrect information immediately. 

The details that need to be corrected are as follows : Account Status : Correctly Settled Account Description : Not Reported Date of Last Activity : Not Reported Date of Last Payment : XX/XX/XXXX Term Length : Not Reported Given this clear directive from Capital XXXX, I am requesting that the CFPB intervene to ensure the CRAs comply with this correction without further delay. The continued presence of this incorrect information on my credit reports is causing significant harm to my financial standing and personal well-being. 

If this matter is not resolved promptly, I will have no choice but to pursue further action to enforce compliance with the Fair Credit Reporting Act ( FCRA ). Such action may include seeking damages for the continued violation of my rights under the FCRA. 

Enclosed, please find a copy of the letter from XXXX XXXX for your reference. 

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS USUAL YOU TOOK THE COMPANY 'S RESPONSE AND DID NOT REVIEW IT. THEY SENT A BUNCH OF XXXX XXXX XXXX XXXX AND DID NOT ANSWERE MY QUESTION. WHAT THEY SAID WAS JUST A CANNED ANSWER. MY INFORMATION DID NOT CHANGE ENOUGH DURING THE 3 MONTHS INVOLVED TO MAKE AN EXACT CHANGE OF XXXX POUNTS EACH MONTH FOR 3 MONTHS. 

I WILL ASK THE QUESTION I ALWAYS ASK. WHAT DO YOU DO OTHER THAN RUBBER STAMP THE COMPANY REPLY EVEN WHEN IT HAS NOTHING TO DO WITH THE QUESTION? 

THE ORIGINAL COMPLAINT WHICH WAS NEVER ANSWERED : MY CREDIT SCORE WITH EXPERIAN WENT DOWN, UP, THEN DOWN EXACTLY XXXX POINTS EACH MONTH. I CALLED THE NUMBER SHOWN ON XX/XX/XXXX TO FIND OUT WHY AND SPOKE TO XXXX. HE TOLD ME THEY CAN'T GIVE ME THAT INFORMATION AND THAT I NEED TO HIRE A FINANCIAL ADVISOR TO FIND OUT WHY MY SCORE WENT UP AND DOWN EXACTLY XXXX POINTS EACH MONTH.
Product: Debt collection

Automated Collection Services claims that I owe {$4100.00} to XXXX XXXX. I have informed them several times that I have never had an account with XXXX XXXX. I've asked them to show me an agreement in which XXXX XXXX authorizes them to collect on this alleged debt and I've also asked them the show an agreement with XXXX XXXX that bears my signature. They've not been able to provide me with either. They can't because I've never had an account with XXXX XXXX. This company is beyond horrible. They bought this debt for XXXX on the dollar and want to make a quick buck by any means necessary even if that means not having proof that you owe a debt. Unethical companies like this should not be in business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX  # XXXX XX/XX/year> -- {$9100.00} XXXX XXXX  # XXXX XX/XX/year> -- {$6200.00} XXXX XXXX XXXX XXXX XXXX XX/XX/year> -- {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/year> -- {$3100.00}
Product: Mortgage

Freedom mortgage continually threatens us that if we do not pay our property taxes and return a paid receipt to them, they will discontinue sending us an escrow check next year. This year they have given us 4 days to turn the paid receipt around to them before we forfeit or right to have a check sent to us next year. They sent us a check for {$6500.00} ( received on XX/XX/XXXX ) and our property tax bill is really {$9300.00}. In the quest to move money around and free up funds to pay the difference, we will not make the XX/XX/XXXX date. On top of this, the property tax bill is not even due until XX/XX/2020. 

How can they do this every year and get away with it?
Product: Mortgage

Refuses to pay owed escrow from a payoff. The loan funded on XX/XX/XXXX, called and they refuse to show evidence or send a check to pay the balance of the escrow account. I spoke with XXXX ( Operator XXXX ) with the escalation, and he flat out refused, telling me to mail my concern to a corporate address. 

This is for loan XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX # XXXX Date Opened XX/XX/XXXX - BALANCE {$4600.00} XXXX  XXXX # XXXX Date Opened XX/XX/XXXX - BALANCE {$290.00} XXXX  XXXX # XXXX Date Opened XX/XX/XXXX - BALANCE {$0.00} XXXX  # XXXX XXXX Opened XX/XX/XXXX - BALANCE {$160.00} XXXX  # XXXX Date Opened XX/XX/XXXX - BALANCE {$10000.00} XXXX XXXX XXXX # XXXX XXXX XXXX BALANCE {$590.00} XXXX  Date Opened XX/XX/XXXX - BALANCE {$590.00} Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX