23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Once again Vystar and XXXX have furnished a negative account on my consumer report after receiving my debt validation, and my demand of removal. The letter stated that if vystar repost on my consumer report without sending me debt validation they were to IMMEDIATELY pay me {$75000.00}. My rights have been violated 15 USC 1692 and 15 USC 1611. I will have the CFPB help move matters forward in collecting damages from both parties. Also if account is charged off, then said account is paid which means it's canceled. 18 USC 8 Please see attachment. That letter was certified sent to VYSTAR CU the account number was from XXXX. XXXX account number is 510750
Product: Credit card or prepaid card

I purchased XXXX dollars us bank gift card on XX/XX/. When I tried to use the card, it was not working. I called the phone # on the back of the card, and the agent told me the card was disabled because someone was trying to use the card several months before I purchased the card. The agent advised me to use their website to submit purchase proof and IDs for replacement. I did what as instructed and weeks later, I called them again ; they told me they could not view the files I submitted due to an incorrect file type, and they could only take PDFs. I asked the agent how can the website designed to receive the file with the incorrect type in the first place!!! She told me to resubmit the document in PDF, but their website is no longer working. Once some documents were submitted for a card, you can not resubmit any other information. It is a terrible design indeed! The agent again advised me to mail the documents to them using the US MAIL. I again did what as instructed, and weeks later, I called the phone again to check the status. The agent told me he does not see any updates yet. I need to call back after 2-3 business days. I think this is unacceptable.
Product: Credit reporting or other personal consumer reports

The account was 180 days charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as 180 days charged off every month. This is an update in the payment history. After 180 day charged off account status is dead, and should NOT include an active payment history. The inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 

( XXXX XXXX XXXX : XXXX )
Product: Credit reporting or other personal consumer reports

I have filed numerous complaints with Equifax and the CFPB about a fraudulent inquiry on my credit report. My first complaint was submitted in XX/XX/2023. Equifax replied to the CFPB complaint submitted in XX/XX/2023 stating that the credit inquiry for XXXXXXXX XXXX XXXX XXXX was deleted. As of today, the inquiry is STILL on my credit report. I have attached a copy of the FTC report submitted to Equifax and a copy of the complaint results submitted to the CFPB with Equifax 's response stating that it was deleted and a current coy of my credit report as of XX/XX/2023 showing that the credit inquiry is still on the report.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX has violated my rights. 
According to the Fair Credit reporting act 1681s2. Responsibilities of furnishers of information to consumer reporting agencies 2 ( a ) ( 1 ) ( f ) of the FCRA you are required to promptly report the credit obligation/account as current if the furnisher makes an accommodation defined as an agreement to defer 1 or more payments, or forebear any delinquent amounts.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX Balance Owed : {$22000.00} XXXX XXXX Balance Owed : {$9300.00}
Product: Checking or savings account

I tried accessing my account after having to renew my phone number and an email and every time I try to move money out of my account it said there are security issues try again later this did this for several days I contacted a customer service every single day they only can tell me that it's like glitch in their system, that my account was in good standing and nothing is wrong. that it will go away try it again later. Then I get a email from someone stating that my account has been deactivated due to breaking their policies. But I've asked them what did I do wrong and they say they can not tell me do the security reasons. And my social security deposit which is over {$1000.00} will be held for 180 days for loss prevention purposes. Then I got an email back after emailing them stating the same exact thing two more times the decision is final and not to contact them again, which was fairly rude. Now they refuse to answer me in any way shape or form or allow me to transfer my money out of the account. I live on this money this is my lifeline this is all I have I'm on XXXX I need this check. There has to be something they can do I don't know what I did wrong I'm sorry they can close my account after sending my money to my regular local bank account. And then they can absolutely positively delete my account as I will never use it again. I don't know what I did wrong you won't tell me but you're going to hold my money for 180 days I will die without that money you don't understand. I need it. I have done nothing wrong again I've done nothing wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account has violated my rights 15 usc 1681 section 602 state i have the right to privacy 15usc1681 section A section 2 ; it also state a consumer reporting can not furnish a account without my written instructions 15uscc1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Product: Credit reporting or other personal consumer reports

In reviewing my account I noticed that the information that is listed on my credit report is extremely inaccurate in various fields. While I understand mistakes can happen unfortunately when it comes to financial data and credit reporting this is one industry where mistakes can cost the bearer extreme harm and distress. I request that the correct information be updated in the following fields : Balance, Past Due Amount, Last Reported Date, Date Last Active, Date of Last Payment. 

Additionally there are several late payment indicators listed, which make no sense as to the best of my knowledge all payments have been submitted on time however seeing as I haven't been receiving my statements its nearly impossible for me to know the accuracy of the payments received. The following reporting periods need to be corrected as paid on time and the late payment indicators removed : XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. It merits mentioning again, although I understand mistakes can happen the fact remains this misreporting of information to my credit report has caused me serious harm and also constitutes a violation of federal law, specifically 15 USC 1666b ( a ). I have not received a statement to my address on file as is a requirement under the law and that means the furnisher legally can not report my account late for any reason. Unless they are able to provide documented proof that the statements were mailed to me within the specified time frame under the statue any late payment indicators must be corrected. 

This dispute will serve as notice of the inaccurate information that is on my credit report for this account as well as the opportunity for your company to correct them without any additional action/enforcement on my behalf. The account information on the account in question is listed below : XXXX XXXX : Account # XXXX I have attached a copy of my ID and billing statement for verification purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account has been hacked, the information on a lot of these accounts are not me. 

XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I was charged lat fees when I have automated debit with the lender. Nobody is willing to help me, I called, I talked to the manager who asked me to send her my bank statement and there was no follow-up, extra charges are added to my account.
Product: Mortgage

In response to a prior complaint, Shellpoint, New Rez d/b/a Shellpoint or some combination has responded that they are servicing my loan on behalf of themselves and that they are the owner of my loan when in all other responses to prior complaints, Shellpoint has held that XXXX XXXX is the owner of my loan. I would like to submit a complaint for fraud and I would respectfully request the CFPB do what it is meant to do and protect consumers. I have been trying to establish the true owner for the last FIFTEEN YEARS so that I may negotiate with the proper party and there is obvious concealment, fraud and illegal activity going on with this and many other homeowner loans as a result of XXXX XXXX XXXXXXXX instructing us the miss payments in order to qualify of r modifications. This seems like a conspiracy and all agencies and courts seem to be aiding and abetting criminal activity.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

on XX/XX/XXXX XXXX XXXX made me aware that my credit dropped by XXXX points due to my account with PNC being closed. I then saw that the account had been closed on XX/XX/XXXX when i called to request information i was told it was due to over limit and delinquent payment. Upon review i had corrected both on XX/XX/XXXX and made another payment for the outstanding balance on XX/XX/XXXX. When I asked how to reopen my account since I did not have a overlimit or delinquent status I was transferred or told to call multiple different departments and was finally told that nobody could reopen the account since it was a bank decision. When I asked if an account was closed wrongly could they reopen it I was told that yes they could but mine was not closed wrongly and nobody in PNC could help me. I explained to all representatives that this is my oldest credit account and i keep it open in order to maintain my credit score. It was offered to try to reapply for an account however I don't need a new account as i maintained this account to keep my credit age up. This is a secured credit account with a {$300.00} limit and is therefor extremely low risk for the bank however it is extremely high risk for me to lose this account.
Product: Credit card

On both XX/XX/year> and XX/XX/year>, my XXXX XXXX card was charged {$24.00} by XXXX ( XXXX Experian ). The charged indicated it was a membership fee. I do not have and have never signed up for an Experian membership. I disputed the charge, but XXXX XXXX denied the dispute, stating it was a valid fee. When this did not work, I attempted to sign in to my Experian account and was not able to do so. My password was not recognized, I was unable to reset my password and I was directed to call the company. When I called the number provided, I was not able to reach a person. The system took me in circles and redirected me back to the webpage. Finally, I found a number that connected me to an agent. This person checked my accounts and confirmed that I have no memberships active. They opened a case, which remains open and unresolved. I have called back to check on it multiple times, and no movement has happened. 
The recurrence of the charges in XXXX confirmed that this is part of a membership and XXXX company has ignored my case and request to cancel.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, someone fraudulently attempted to open several credit accounts and the inquiries appeared on my credit reports from XXXX and XXXX. XXXX responded in a professional way. I have been unable to get XXXX to remove the hard inquiry for XXXX, XXXX XXXX from my credit bureau report to date. I have made repeated phone calls, have sent them every requested bit of information and it still has not been removed. Today 's service rep told me that they had removed the XXXX XXXX inquiry from my report. However, the XXXX inquiry was for XXXX, and XXXX removed it upon my first request plus supplying them with some additional information. 
I have again called XXXX and requested that they again contact the credit bureau. I will also send them a copy of this report and a copy of my social security and driver 's license for the second time.
Product: Credit reporting

I have an active account with XXXX since XXXX, this account was converted to XXXX XXXX after XXXX was acquired by XXXX XXXX in XXXX. Sometime later, I was issued a new card with new numbers in XXXX XXXX with the XXXX XXXX logo. My account before XXXX XXXX was listed in my credit file with Experian however after the new card was issued somehow this account was deleted from my credit file. Since the beginning of this year I have called several times to Experian and spoke with so many people in different departments and they all keep saying that this account is not in my credit file because XXXX XXXX choose not to report this account, however this statement is completely false because I spoke with XXXX XXXX and they assured me that this account it 's been reported to them. They even send me a letter XXXX different times stating that this account it 's been reported to them. I also fax this letter to Experian and they still do n't want to do anything to correct this problem. I feel that my rights has been violated and for this reason I 'm filling a complaint with the Bureau of Consumer Financial Protection.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Freedom Mortgage for Inaccurate Reporting and Failure to Inform Regarding Forbearance Coverage Gaps Dear CFPB, I am filing this complaint regarding Freedom Mortgages failure to accurately report my account status to XXXX and its lack of communication regarding gaps in forbearance coverage, which has caused significant harm to my credit and financial standing. 

Background : My account was approved for a forbearance period from XX/XX/XXXX to XX/XX/XXXX. 
I proactively contacted Freedom Mortgage in XXXX and early XX/XX/XXXX to discuss extending the forbearance. However, I was advised to call back toward the end of XXXX to request an extension. 
A new forbearance was approved from XX/XX/XXXX to XX/XX/XXXX, but I was not informed that my account would not be in forbearance for XX/XX/XXXX during this process. 
Issues Failure to Inform About Gaps in Forbearance : At no point during my communication with Freedom Mortgage was I explicitly informed that there would be a gap in forbearance coverage for XX/XX/XXXX. 

Had I been informed, I would have : Made necessary arrangements to pay any dues for XX/XX/XXXX. 
Brought the account current to avoid any derogatory reporting. 
Adjusted my plans accordingly to avoid negative credit impacts. 

Inaccurate Reporting to XXXX : Freedom Mortgage reported my account to XXXX as NOT in forbearance for XX/XX/XXXX, which is inaccurate and misleading given the circumstances and discussions around my extension request. 
This derogatory reporting has negatively impacted my XXXX XXXX and, consequently, other financial accounts tied to my creditworthiness. 

Inconsistent Communication Processes : Despite my early calls in XX/XX/XXXX to initiate an extension, Freedom Mortgage insisted on delaying the process until late XX/XX/XXXX. This delay left insufficient time to manage potential gaps in forbearance coverage. 

No Opportunity to Mitigate the Situation : I was not provided an opportunity to address any dues or bring the account current before the new forbearance began. The lack of transparency from Freedom Mortgage directly contributed to the derogatory reporting. 

Impact The inaccurate reporting and lack of clear communication have : Damaged my credit score, affecting my ability to secure favorable terms for other financial accounts.

Caused unnecessary stress and financial difficulty as I try to resolve this issue.

Resolution Attempts I have contacted Freedom Mortgage multiple times to dispute this issue and request a correction with XXXX, but my efforts have not been successful. 
Freedom Mortgage has failed to take responsibility for the miscommunication or rectify the inaccurate reporting. 
Enclosed, I have included : 1. Relevant credit report entries showing the derogatory reporting for XX/XX/XXXX. 
2. Copies of forbearance approval letters for XXXX XXXX and XXXX XXXX XXXX 

Thank you for your attention to this matter. I hope for a prompt resolution that addresses the harm caused and prevents similar issues for others in the future. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Product: Credit card or prepaid card

I made a purchase about 6 months ago now, that I've been having problems with the purchase after about two weeks of that purchase and I've tried on multiple occasions to have the merchant fix which they could not. My purchase of a XXXX XXXX has not worked and I've contacted the merchant and they told me it was an update issue which they have not had a chance to do, so I waited a few months, then after that update the problem got worse which I told the merchant about and it wasn't till last month of the last time the merchant tried to fix and again not successful at. The merchant, XXXX then told me that is was indeed like I thought was the router that was really the fault because it was defective and the merchant refused to replace which is still under warranty and has stop all response to me, so I contacted my financial institute and they, Barclays is defending them in the act of not honoring their product by telling me that they fell the merchant has not had a chance to resolve the problem. I've waited 6 months with this merchant and had multiple on-line repair sessions with the merchant that their technicians can't fix, and admitted to it and on top of that stop responding to me after telling me they can't send me out a replace because they no longer have a shipping account, nor is refunding me and Barclays says the merchant didn't have time to resolve it after 6 months .... Well I clearly gave them time and they stop responding to me and Barclay " feels '' different!! how is Barclay to come up with that and not honor my dispute after my multiple attempts to reach out to the merchant with no success. Barclay is aiding them in not honoring my warranty and closed their dispute case.