23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX states I have an account which is showing on my Experian credit report as two different collections. I sent a letter of verification to credit collection services and they sent me a letter back unable to verify that the debt is mine. I sent that same letter to Experian credit bureau and the account is still on my credit report after disputing three times. Experian says their dispute results are verified when they can not be because the credit collection company can not verify this information. I have received correspondence from XXXX XXXX that I am a victim of identity theft and completed the necessary steps on their website with no response. I would like this account to be removed immediately.
Product: Credit card or prepaid card

Bank of America sold my credit card account to XXXXXXXX XXXX which I can not find any physical bank locations for XXXX  other than online or calling by phone, and apparently XXXX is owned by XXXX XXXX  which sounds like a fictitious bank holding company to me. 

I am trying to get copies of statements from XXXX and XXXX. XXXXXXXX XXXX says they don't keep the old records from Bank of America. After a month and numerous phone calls I only received the last XXXX months of XXXX statements from XXXX. Now XXXX says they can not provide anything before XX/XX/XXXX which seems ridiculous to me. I called Bank of America ( and tried to use their online system ) and they tell me that Bank of America can not find my account since it is not in their system anymore and can not help me. I need to produce these statements for a court case and should not have to pay a lawyer to summon the companies to produce the records. 

Could you please investigate this egregious behavior by Bank of America to sell to an online bank, throw out the records, and the customer is disadvantaged by this. Also, XXXXXXXX XXXX  says online that old statements are available by calling a phone number and the people on the phone say they can not help. 

Thank you very much.
Product: Student loan

Starting near the beginning of  XXXX , I have been making multiple requests to change my payment due dates to coincide with the  XXXX  of the month. FedLoan Servicing promises that these will be processed with in ten busin ess days, but has failed to do so time and time again.     More rece ntly (   XXXX   XXXX  or  XXXX  ), I have begun making daily requests about this issue, all of which have gone unanswered or unnoticed. They simply refuse to get back to me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent charges to my credit file. As a result, I disputed this identity fraud with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent accounts contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. 

For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : XXXX XXXX XXXX ACC # XXXX, Date Opened XX/XX/, Balance {$1300.00}, Original Creditor XXXX XXXX XXXX XXXX I am attaching the dispute letter/documents I sent to this company on the XXXX and my small claims form, in case they need to reference or review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report that I don't recognize which are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I even wrote out some of the duplicate inquiries on my report.
Product: Checking or savings account

I filed a complaint recently that was closed after receiving feedback from Compass. The statement related to when the AG 's office made my past deposits available is false. I've attached both the dates cited by Compass and the dates published in my account on the Texas AG 's support portal. You can see a standard 2 business day delay. I've also attached the email response I received from the AG 's office stating that they make the funds available on the day  deposited. To clarify the timing cited by Compass as  starting in XX/XX/2018, I had 2 checking accounts with them for a few years to separate business income. I recently closed one of  those accounts ( ending in XXXX ) and moved the direct deposit to my current account ( ending in XXXX ). 

For easy reference, my original complaint : My child support payments are issued by the Texas Attorney General via direct deposit twice monthly. I have confirmed with them that the funds are released immediately. There is a standard 2 business day hold on the funds being released by BBVA Compass. The AG 's office posts deposit dates in my account on their website ... if the deposits are made on a Thursday, I don't receive the funds until the following Monday. If the deposit is made on a Tuesday, I receive the funds on Thursday. I have raised this issue with them several times, both via email and on the phone. I've had customer service representatives confirm that they can see the funds pending and they will be available tomorrow. I have also had them tell me that they do not see the funds pending, although the AG 's office shows they were deposited. I have tracked this 2 business day hold for almost 2 years now, as it has caused me significant expense in overdraft fees with Compass. I have read the FDIC rules related to ACH and direct deposits, and I believe Compass is not following them.
Product: Credit reporting

Last week I contacted the Veteran, s Administration to see if they can reduced my Home Veteran 's Loans monthly payments. They check my credit and to my surprise they said that my Score was low.and that XXXX of my accounts were delinquent for some time. I told the counselor that it was impossible because I always make the payments. The XXXX XXXX XXXX are paying the bills for about 2 years. The VA counselor told me that I have to find out thru XXXX XXXX. I called XXXX and told them to send me all the payments made from XXXX 2015. They send it and and find out that the XXXX was making the payments, XXXX send me to The Credit Bureau, Experian,. and that was the cause why my scores went down like crazy. My telephone is XXXX, My address is XXXX XXXX XXXX, XXXX, Tx XXXX. This is serious business. Thanks XXXX XXXX 2015. They dis sen
Product: Checking or savings account

I bank with NFCU Navy Federal credit Union Today Is payday Friday XX/XX/19 my checks normally deposit at XXXX every Friday .. Today I have not seen my check .. navy federal claims the money has deposited its just cant be seen ( Via XXXX ) .. Which I feel is unprofessional this problem shouldve been posted on there website to inform everyone who banks with them.. I have bills to pay today which are now late and I have late fees.. navy federal did not handle this in a professional matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In XXXX of 2021, I filed a dispute with the credit bureaus about the illegally reinserted collection account : XXXX XXXX account # XXXX I did some reading about credit reporting laws and under the FCRA ( A ) ( 5 ) ( B ), all reinserted accounts must be given a five day notice from the credit bureaus or it must be promptly deleted. and from my understanding if a consumer finds errors on their credit report, they have a right to have them fixed. I got this information from the FCRA.. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. Thank you
Product: Credit reporting or other personal consumer reports

Subject : Notification of Violations of the Fair Credit Reporting Act To Whom It May Concern, I am writing to formally notify the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) regarding serious violations of the Fair Credit Reporting Act ( FCRA ) by XXXX, XXXX, and TransUnion. These credit bureaus have neglected their obligations under Section 605B, which mandates the proper handling of fraudulent inquiries on consumer credit reports.

Below are the details of the fraudulent inquiries that remain unresolved : Creditor Name Date of Inquiry Credit Bureau XXXX. XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX TransUnion XXXX. XXXX XXXX XX/XX/XXXX TransUnion XXXX. XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX TransUnion XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX TransUnion XXXX. XXXX MORTGAGE XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX Despite my efforts to rectify these inaccuracies, the credit bureaus have failed to conduct reasonable investigations, leaving fraudulent inquiries unaddressed. This negligence has significantly impacted my credit standing and violates my rights as a consumer under federal law. 
I am requesting immediate action to rectify this situation, including the removal or correction of these disputed inquiries. The ongoing inaction of XXXX, XXXX, and TransUnion constitutes a serious breach of consumer rights and undermines the integrity of the credit reporting system. 
Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 
Sincerely, XXXX XXXXXXXX XXXX XXXXXXXX All Rights Reserved,
Product: Credit card

REFERENCE # XXXX | I am writing to express my deep concern and frustration regarding the recent denial of my application for the Sam 's Club XXXX XXXXXXXX, issued by Synchrony Bank. I recently received a denial notice citing " Insufficient Credit from trade references '' as the reason for rejection. 

I must vehemently object to this reason, as it is not only inaccurate but also a clear violation of my rights under the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ). Both statutes mandate fair and accurate reporting, as well as the provision of equal opportunity for credit. 

Furthermore, I would like to bring to your attention that the denial notice provided to me did not comply with the requirements set forth in 15 USC 1611 and 15 USC 1681m of the Fair Credit Reporting Act. The notice not only failed to identify the source of the information used in making the adverse decision but also neglected to disclose the name and address of the consumer reporting agency ( CRA ) that provided the report. These omissions are direct violations of federal law, which mandates that consumers be informed of the sources and CRAs providing information that adversely affects their credit applications. 

My credit history spans over a decade, with an impeccable record of on-time payments across various trade references, both on my business credit profile and personal credit profile. This includes a flawless track record of never missing a single payment. Therefore, the claim of insufficient credit is unfounded and contradicts the information present in my credit reports ( false information ), which according to 28 U.S. Code 4101 is clear defamation of my character and also illegal.
Product: Credit reporting

I previously disputed the accuracy of the last active dates reporting from a collection agency on my credit report. I provided all XXXX credit bureaus XXXX XXXX and Experian with a copy of a credit report dated XXXX/XXXX/XXXX for this account. The last active date reporting from the original creditor was XXXX of XXXX. This item is over 7 years old and is still being reported on my credit report. XXXX completely deleted the item, XXXX has removed the original creditor XXXX from the report but the collection agency Fan Distribution is still reporting and providing them with a last active date of XXXX XXXX. Experian is still reporting XXXX who is now showing an open date of XXXX and a last status date of XXXX. Please assist me with updating my account to reflect the Deletion of this item. I have followed the required steps to dispute this item with the reporting agencies including providing them with the documented proof needed to make an informed and accurate decision but their actions seem to take the side of the creditor, seeing that the creditor has to pay them to have their accounts posted on their reports. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

TransUnion has continuously reported this account is still open with a balance due of {$2400.00} XXXX months later. This is an error. This account has been paid off as agreed and closed XX/XX/XXXX. I have lost my ability to obtain a consumer car loan because of this. 

TransUnion XXXX XXXX Account # : XXXX Account Type : Installment account Account Type - Detail : Installment account Bureau Code : Individual account Account Status : Open Monthly Payment : {$260.00} Date Opened : XX/XX/XXXX Balance : {$2400.00} No. of Months ( terms ) : Monthly High Credit : {$10000.00} Credit Limit : {$0.00} Past Due : Payment Status : 30 days past due Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment :
Product: Credit reporting 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

The charge was from XXXX XXXX XXXX XXXX which turns out to be a fraudulent company. Initially the " company '' promised the ability to cancel for a full refund ; however, the company is actually a scam. No service requests were ever completed, all the phone numbers, email addresses, and website were disconnected after taking payment, and multiple complaints and cease and desist orders have been filed across the country about this fake company. Discover Card refuses to adequately investigate the fake company and claims the company sent back documentation to show the charges are valid ; however, the documentation itself is fake and does not prove anything whatsoever. No services were actually received by any consumers because there are no services to receive. Consumers should not have to pay for fraudulent services advertised by fraudulent companies and credit card companies need to do a better job of investigating such credit card scams.
Product: Vehicle loan or lease

My personal information was compromised and used without my knowledge fraudulently to receive and car lease from credit acceptance. My information was exposed possibly during a data breach and compromised Im asking for that this account to be removed from my credit report and blocked The date of this account : XX/XX/year> Amount : {$11000.00} Account # : XXXX
Product: Mortgage

Lender received loss mitigation package 40 days prior to sale date, refusing to review for options.
I will not give up the fight. This little house has been in our family for over 60 years and I am going to do my best to keep it the family. I am eager to talk with the Judge about the 11.99 % interest, eager to discuss with her the lender enforced insurance charged to me month after month, year after year, eager to discuss the modification loan papers where I was told that I had to have all my paperwork in 37 days to be considered for a loan modification. Then when thepaperwork was in the 37 days, to be told this week by a Caliber employee over the telephone that it was 37 days plus another 3 to 5 days needed to consider the paperwork then 37 days to process the work. I have a letter written about a month ago from Caliber that they need 37 days to process a loan modification. Nothing was ever said about the extra 3 to 5 days for whatever, then the 37 days began. Nothing was ever said about needing 42 to 45 days for the loan modification process. This is always how it is with them. Every time I apply I am one day short, two days short or some other reason. Never do I get anywhere with them.
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There is one more item I need to cover with you. About 4 years ago   XXXX   XXXX   had a fierce hail storm and there was property damage in almost every city and town. My home here ( where I have lived for 42 years ) was damaged.   XXXX   XXXX   XXXX   XXXX   issued a check for repairs and my house was repaired quickly. The  XXXX  property was damaged also and   XXXX   XXXX   XXXX   XXXX   issued a check for {$24000.00} for repairs. The insurance company sent the check first to  XXXX , asked them to sign the check and send it on to me to make the needed repairs. However,  XXXX  kept the check. They could not cash the check. My name was on the check and it would have been forgery for them to sign for me. So they just kept the check. No amount of urging from the insurance company could get them to get the repairs done, so they just sold the loan. The insurance company still had the funds for the repairs. A few weeks ago,  XXXX  had another hail storm, the roof again was damaged. There are roof leaks into the house. But, the insurance would not issue a check for those repairs since they had already issued a check to cover a new roof. I talked with  XXXX   XXXX   XXXX   about the previous damage and the check that had never been cashed to get the repairs completed from the first storm damage. First they told me they could not reissue a check that far back, then we kept talking about the first damage and the first check, and talking about it and talking about it that now they have issued the {$24000.00} check for all the repairs. Since I have done so much already, this will allow us to get new garage doors and hopefully new blown-in insulation in the attack of the house. The summers here can get to 109 degrees in the summer. This will help in the winter months also.
Product: Credit card or prepaid card

I have attempted to settle this issue with the credit card company and I spoke with an agent ( XXXX ). The credit card is a Wal-Mart card that used to be with XXXX XXXX. Capital One bought the account in XXXX of 2019 but the automatic payment information was not transferred. I am willing to make up some kind of payment plan but COVID-19 IF IT TAKES INTO ACCOUNT THE CURRENT COVID-19 IMPACT THAT HAS REDUCED MY INCOME IN THE STATE OF MARYLAND, XXXX XXXX COUNTY. I HAVE DISPUTED THE PAST DUE FEES AND THIS IS A DISPUTE OF THE PAST DUE FEES. ANOTHER CONVERSATION WITH XXXX SAID THAT THEY WOULD REDUCE ANY AGREEMENT TO WRITING.