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
Product: Mortgage

Back when my XXXX XXXX began an authorization from my attorney was provided so that they can discuss ALL aspects of my account. 

The process to make my payment is not convenient I have no online access and when I call them during normal business hours like Friday before XXXX like is on my statement they hang up on me. This has caused me to be late on XXXX payment past the 15 day grace period. Due to the holiday I wasn't able to make a payment until Tuesday the XXXX and it cleared the XXXX. I am expecting a 5 % late fee, and this fee shouldn't happen due to their system causing me to be late. I will submit my call log with this report. 

When I call they say they can't discuss anything with my account but take payment. They say I need to get my attorney to reach out. I spoke with my attorney and pursuant to Bankruptcy laws she can't keep reaching out to Movement each servicing issue she isn't a POA to my loan and doesn't want to be. Movement is just making compliance with my XXXX difficult. I was told by a XXXX that they were open until XXXX on Friday. 

Next issue is I over paid on my loan and built up an unapplied balance which I was told that I needed to tell the person taking my payment to apply this balance to my payment. My payment is XXXX and the unapplied balance was XXXX making my payment XXXX for XXXX and I made this payment. The rep stated they had no control over if the unapplied balance would be applied. They couldn't discuss this with me another violation of the letter provided by my attorney.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX - credit card opened XX/XX/2019 amount {XXXX XXXX this account is closed and is reporting inaccurate account number and inaccurate XXXX card limit when opened. I would like for this account to be removed from my credit report for inaccurate info and violation of consumer law 15 USC 1681i
Product: Credit card or prepaid card

I recently had my Citi Costco Credit Card account limit lowered. This has been after a year of paying on time after a bad year with the pandemic. I then put {$700.00} on my Credit card to loosen some room on XX/XX/XXXX. I had in the money in my XXXX XXXX XXXX Bank Account, and Citi decided to place a " float '' on my payment for TWO WEEKS while they decided if I had the money or not. 

This is the second time this has happened to me with Citi, which seems to do it on a whim.
Product: Checking or savings account

XXXX contacted me yesterday saying they froze my account and needed to verify my identity. I sent them a photo of my ny state id and a picture of my XXXX  card as requested. They contacted me this morning at XXXX on XX/XX/year> saying that they permanently deactivated my account and are holding my funds without a reason for 180 days. I have over {$7000.00} in this account and need to pay bills and buy food for my children. I emailed and called them and nothing is being done.
Product: Student loan

I am have been making payments to Navient private loan company.They incorrectly reported to credir bureau affecting my credit greatly even after trying to make better affordable payment arrangement because i am still in school. I have asked about ways to reduce payments, balance, and interest. I am constantly being charge to set up forbearance or interest reduction without sufficient evidence why or where the money goes. They falsy advertised on website for loan settlements with payment plans and told me I have to pay the full settlement in one payment. They are charging large late fees and increased interest and harassing me with collections by phone and email.
Product: Debt collection

An insurance claim was filed with XXXX XXXX XXXX falsely. Communicated with XXXX XXXX XXXX to notify of false charge and they never responded. Service was canceled however the still falsely sent the account to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTE WITH-XXXX XXXX XXXX XXXX, XXXX. 
*AUTO* I had a XXXX  XXXX XXXX and was financed through XXXX XXXX  . 
I had my XXXX for almost over two years with no missed payments and a few late payments. I was scammed and reported the scam to the police, to all three creditors and all accounts that i thought may have been affected.

One morning i was leaving out for work and my vehicle was gone. I missed work and pay for a week behind this issue. The first thing i did was call the police thinking it may have been stolen, next i called XXXX and indeed XXXX came and took the vehicle with no notice or explanation they simply stated that the months payment was not recieved and they can take the vehicle because it is theirs. I disputed with them that all payments are up to date and if you see my credit report i have all green OK 's up to that month. They did not call me, no missed calls, no missed voice messages, no mail through USPS NOTHING just came and got my vehicle. So now they are trying to say i owe them {$9900.00} and you can tell they have done something incorrect because now they took the payment histories off of all of my credit reports. I called them and written them and asked them several times to send me a complete statement, and a break down of all payment histories from the first transaction until the last transaction and they were rude and have not sent anything. I want this {$9900.00} taken off of my credit reports and etc and they are refusing. Please help me with this issue.
Product: Debt collection

THIS COMPANY XXXX XXXX XXXX DOES NOT HAVE AUTHORITY AND OR LICENSING AS A DEBT COLLECTOR IN THE COMMONWEALTH OF PUERTO RICO THEY SHOULD NOT BE REPORTING SUCH DEBTS AND OR ACCOUNTS AS THEY DO NOT COMPLY WITH COMMONWEALTH OF PUERTO RICO DECREE # 6451 LAW # 179 OF XX/XX/XXXX AND LAW 170 DATED XX/XX/XXXX
Product: Credit card or prepaid card

Nine charges to my credit card are fraudulent. The company ( Citibank ) has not removed them, and meanwhile has billed me, with interest. The charges are being " investigated, '' but whether that's true or not, I have no idea. I've talked to their customer service, but that's worthless. I have not been in California in three decades, the card has always been in my possession, and no one else is authorized to use it. Card is locked presently, and the account will probably be closed by me when this is resolved. 

The charges : XX/XX/XXXX XXXX XXXX  XXXX CA {$10.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$30.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$95.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$27.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$31.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$62.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$76.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$80.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$46.00}
Product: Debt collection

Fraudulent transactions where found on the account I would like to release all attachments to the account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Natural Person, I am a living human being. I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. and they violated my rights numerous of times. 
Time after time violating me. I Ask and demand the following accounts listed below to be remove because according to 15 USc 1681. I have right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX
Product: Checking or savings account

In XXXX, my mother XXXX XXXX XXXX passed away. She left no will and basically no real assets ( XXXX acre of property in XXXX, Ca. desert with an XXXX XXXX XXXX XXXX XXXXXXXX on it. ) She has $ XXXX in her checking account for my brother ( XXXX XXXX XXXX XXXX and myself, XXXX XXXX XXXX XXXX pay her final expenses with and bills. We were aware that she had some debt, credit cards, etc. She died suddenly without a will, she had one at one time, which she shredded when my youngest brother passed away from alcoholism since she sold the items named in the will and she said it was irrelevant. She had only XXXX children, XXXX had passed in XXXX. That left XXXX and myself, we called the bank, and they told us to bring her death certificate and our ID 's and they would close the account. We went to the bank with the requested items and they refused to assist us and told us to call a number which we did. One that call they stated we would need a court appraisal of her property in XXXX, Ca. and probate. Our attorney said we needed no probate as she didn't leave any assets worth a probate cost. We received quote for a court appraisal in the amount of $ XXXX {$4000.00}, money we sure don't have. Bank of America already put us in dire straits just paying for her final expenses and we were forced to have her cremated ( {$3000.00} ) against her wishes, rather than buried, because they refused to release her funds to her only XXXX heirs. It was also commented to us that she owed Bank of America some credit card charges. We told them to take the money out she owed and issue the remainder to us so we could pay things and taxes due on her property which is worth less than {$40000.00}. They have to this day refused to issue our mother 's money to us. My brother, XXXX XXXX XXXX committed suicide on XX/XX/XXXX. I am the sole remaining heir. I really fail to understand why they wanted an appraisal on the old mobile and property she was living in with me at the time of her death, it is my home and remains my home to this day. As a XXXXXXXX XXXX XXXX  senior myself, I don't have money to have lawyers and take them to court or even pay for a ridiculous appraisal of my home. What can I do to have these funds released to me? I feel they were stolen from us at a time when we needed to pay her final expenses and it created a terrible hardship on us. I will provide documentation as/requested. The bank took copies of everything.
Product: Debt collection

These collections agencies are not bonded, or licensed in my state, and are trying to collect a debt, please remove these from my credit report
Product: Mortgage

I asked XXXX XXXX and his manager with better mortgage multiple times for the hoa condo questionnaire which they did not obtain or provide to me before officially denying me. they should have legally obtained and provided a copy of this document to me before denying me and i have given them several opportunities to provide it and they continue to ignore me and beat around the bush
Product: Student loan

I have been on XXXX since XX/XX/XXXX. Firstly, XXXX XXXX XXXX XXXX AES ) has my out of school date as XX/XX/XXXX on its statement which is incorrect. The out of school date should be XX/XX/XXXX. Secondly, my loans came out of forbearance XX/XX/XXXX and I have been making a payment every since ; however just discovered AES has been charging me a {$15.00} late fee when my loan has not been late XXXX days. My XXXX direct deposit does not hit the bank until around the XXXX of each month. The AES due date is the XXXX of the month, and I just discovered that the student can request a due date change. Why did not AES mention this due date change to a XXXX student? I discussed my situation with an AES rep several times. Payments on the XXXX loans are {$37.00} each, and AES has assessed XXXX late fees of {$130.00} to my account. XXXX attached statements of XXXX loans that started out as {$3000.00} loans and are not up to {$5100.00} each. Also, attached is the payment history that shows the late fees. I want these late fees reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX  XXXX XXXX XXXX, TX XXXX '' Please contact the company directly to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions you may contact us at XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Collection XXXX  XXXX XXXX XXXX Collection account. {$7800.00} past due as of XX/XX/2020. 
( XXXX ) XXXX XXXX XXXX
Product: Credit card or prepaid card

WELL!!  I PURCHASED (3) OF SERVE"S PRE-PAID CARDS.   BUT, THEY WERE LOST/STOLEN BEFORE I WERE ABLE TO REGISTER THEM.  THEY ALL WERE IN A ENVELOPE. SO HAPPEN, I TOOK PICTURES OF THEM FRONT & BACK. AND MY
RECIEPTS BEFORE THEY WERE LOST/STOLEN. SO, THE THIEF USED THE CARDS AND PURCHASED ITEMS ON LINE.  THIS WAS XX/XX/XXXX. TWO CARDS HAD $XXXX ea,. AND (1) HAD $XXXX.  TOTAL OF $XXXX. THE THIEF USED ALL THE MONEY ON ALL CARDS. LEFT -XXXX- BAL. I  ALSO SENT PICTURES OF THE CARDS AND THE RECIEPTS TO SERVE STATING THAT I PURCHASED & PUT MONEY ON
THESE CARDS BUT THEY DID NOTHING.  THEY WANT TO SAY I GAVE THE THIEF AUTHURIZATION.  BUT, WHY WOULD I GIVE SOMEONE MY MONEY THAT EASILY.
THAT"S JUST THEY EXCUSE TO KEEP FROM DOING THEIR JOB!!!  I ALSO FILED A DISPUTE ON THESE CARDS (3) TIMES.  AND EACH TIME THEY DECLINED THEM..
MY POINT, WHY HAVE ME KEEP FILING DISPUTES & YOU KNOW YOU ARE GOING TO DECLINE THEM..
NOW I SEE TODAY WHERE THEY SUSPENDED ONE OF THE CARDS. SO IM SURE THE OTHER (2) WILL BE ALSO, TO KEEP FROM REFUNDING ME MY MONEY... WELL, THAT"S ABOUT IT.
Product: Debt collection

IQ Data 2013 for {$1000.00} Harassing calls to pay the debt in amounts of {$1000.00} which is : 1. ) The wrong amount owed 2. ) Past 4 year statue of limitations in CA
Product: Credit card or prepaid card

There was a fraudulent transaction for {$39.00} on my credit card ending in XXXX. The bank canceled the card and issued a new one with a new account number ending in XXXX. However they simply transferred the fraudulent {$39.00} transaction onto the new card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act says that, information on a credit report has to be timely, verifiable and accurate. I have made several attempts to remind the bureaus of their duty pursuant 15 USC 1681. It appears they are intentionally and willfully neglecting my request to investigate this account. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I am filling this complaint as another attempt to get this resolved. XXXX XXXX  is reporting inaccurate and incomplete information about me, which causing me serious financial stress. XXXX XXXX  account shows no payment history is being reported to TransUnion and a different payment history to XXXX and XXXX. XXXX XXXX  deleted my entire positive payment history on TransUnion and created false data to show that the payment history is being reported accurately and fair. This account is now inaccurate, incomplete and no longer fair and must be removed from my credit report immediately. XXXX XXXX  took away all my positive payment history before the account was charged-off and the time is absolutely wrong because they deleted their own payment history.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX **Experian** XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Dispute of Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite having filed previous disputes with your company. I recently became aware of the lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian for the very same practices that I have been experiencing namely, the failure to properly investigate and correct inaccuracies in consumer credit reports.

As you are likely aware, the CFPB 's lawsuit alleges that Experian has violated the Fair Credit Reporting Act ( FCRA ) by : 1. Failing to investigate disputes fully and accurately.

2. Reporting inaccurate information despite consumers ' disputes.

3. Misleading consumers by presenting incomplete and incorrect data.

My experience aligns directly with these concerns. Despite my prior disputes and your acknowledgment of the same, inaccurate information continues to appear on my credit report. This is causing ongoing harm to my creditworthiness and, ultimately, my financial well-being.

Specifically, the inaccurate information that I am disputing includes : - late payments - The collections from XXXX XXXX XXXX and XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
- XXXX XXXX XXXXXXXX I am requesting that you immediately : 1. Conduct a full, thorough investigation of the disputed items as required by law.

2. Correct or remove the inaccurate information from my credit report.

3. Provide me with a copy of my updated credit report once the inaccuracies have been addressed.

Please be advised that if this matter is not resolved in a timely and satisfactory manner, I will be forced to escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as consider legal action to protect my rights under the Fair Credit Reporting Act.

I trust that you will give this matter the urgent attention it requires, and I expect to receive confirmation of the corrections made to my credit report no later than 30 days from the receipt of this letter.

Thank you for your prompt attention to this matter.

Sincerely, XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I notified PayPal of Identify Theft regarding multiple charges of credit card / PAYPAL theft by thieves that used it for XXXX gambling. I had to shutdown the compromised bank accounts ( XXXX XXXX ) and I had notified PayPal of the issue. PayPal has locked me out of my PayPal accounts and shut it down and still attempts to collect some sort of debt from me by calling my parents phone number everyday. I have no option to log in to pay the alleged debts or even speak with Customer Representative because I can not get around their system saying that I have an account there because apparently I don't even exist to them. Strange.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has lied ongoing that you followed bank laws even under CFPB XXXX XXXXXXXX and one valuable lesson to be learned here is that the truth always rises to the top and now confirmed by my broker chase that my loan were paid in full prior to your ongoing wrongful actions on XXXX after XXXX XXXX register deeds supervisor XXXX assisted me to document deed fraud on XXXX. Then your fake client XXXX XXXX XXXX fake SSN numbers XXXX and XXXX and I reported the fake title as XXXX XXXX and he went on from your support to cash two XXXX escrow account checks in my name and I reported it as XXXX with XXXX XXXX XXXX XXXX stolen my identity XXXX claim XXXX and got four XXXX credit cards in my name ending XXXX, XXXX, XXXX, XXXX and XXXXl XXXX XXXX XXXX credit card XXXX also from XXXX XXXX XXXX ext XXXX XXXX still claim unpaid. XXXX  - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 

Your scam led by XXXX XXXX of XXXX XXXXXXXX XXXX  has fake loan XXXX attached to my good loan without clear title in behalf of scammer for XXXX is Criminal Fraud. 

Please address your wrongness?
Product: Credit card or prepaid card

Google card purchase partial numbers came off when scratched 2 cardsXXXX XX/XX/XXXX couldnot get help. Purchased at XXXX XXXX Google card purchase when tried to redeem said more info needed XXXX XX/XX/XXXX Purchased at XXXX XXXX Google card purchase XXXX on XX/XX/XXXX card read need more info- claim rejected 3 XXXX cards purchased at XXXX Google card purchase XXXX on XX/XX/XXXX card read need more info-claim rejected 3 XXXX cards purchased at XXXX this is just some of the cards that I have tried dealing with. I have another XXXX purchased at XXXX XXXX need more info- claim rejected XXXX card purchased at XXXX XXXX need more infor claim rejected. 

Company refused to refund the money for these purchases. i have faxed the request to the company many times with no answer. Have been told go to retailer. retailer says deal with google. Have even complained to XXXX  and google says they stand by they are not refunding my money
Product: Debt collection

In XXXX, I obtained a loan from XXXX XXXX. A year later I was so far behind and unable to bring the loan current. Late XXXX I explained to the creditor I couldnt pay the loan current and the delinquency began to show on my credit by XXXX. On XX/XX/XXXX, I was served with a document from XXXX XXXX XXXX XXXX dated XX/XX/XXXX from a debt collector Accelerated Inventory Management , LLC, located in XXXXXXXX XXXX. The notice said I had 30 days from XX/XX/XXXX to answer. On the county 's website it says the case is pending and the courts attempted but failed to serve me XX/XX/XXXX which still was well beyond 30 days from the file date. Please let me know if this collector can legally hold me accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 3 different disputes with XXXX  regarding my student loans with XXXX. I have also contacted XXXX. My payment history is incorrect I have called and have been placed on hold and hung up. My score went down 82 points in XXXX. Once I updated my account I only received 50 points back. Last week I lost another 52 points on account of student loans. 

I have also disputed account control technology collecting on behalf of XXXX university. The balance has been paid in full but they reduced it to {$300.00}. I reached out to account control technology and was told I have paid it but they were not allowed to send proof of payment. 

After 3 months XXXX  continues to say they update the accounts but have not. No one is willing to help explain why my score is dropping as I have been paying off all of my debt. 

I have also requested proof of a dispute by certified letter on 3 different occasions.
Product: Mortgage

I am in desperate need of assistance. I have work with my lander Bayview for almost a year and have submitted all the required documents to continue my modification review. However ; at this point they have not afford me a modification. I am more than sure that their intentions are to foreclose my home, My husband is going trough XXXX and this is affecting hes health. I am doing everything from my side to keep a roof over our heads. As I have mention Bayview my intentions were not to fall behind, however ; due to the extreme loss of income it was out of my control. My intentions are to keep my house with an affordable mortgage payment. I did tell my specialist XXXX if I will not get a respond soon I will filling a complaint with my attorney General. Bayview keeps stating I am not able to afford my house. Therefore I have order a new appraisal to be done for my property and is actually under water. Therefore my loan does qualify for an affordable mortgage payment. I do have a surplus and have cut lots of unnecessary expenses. Please question Bayview what are there intentions, mine are to be current once again and start paying my mortgage. Thank you in advance for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # : XXXX, XXXX, Account # : XXXX, XXXXXXXX XXXX XXXX Account # : XXXX, XXXX XXXX, Account # : XXXX, XXXX, Account # : XXXX, XXXX XXXX, Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX, Account # : XXXX, XXXX Account # : XXXX XXXX & XXXX XXXXXXXX XXXX Account # : 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.