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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


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: Checking or savings account

My business checking account was frozen in XXXX due to a fraudulent check being processed by BBVA. Upon reviewing the check it was plain to see that it was not one of our company checks. We were told to set up a different checking account so that this wouldn't happen again. But that is easier said than done as we are paid electronically by insurance companies so a lot of work including verification is required make this happen. 
In the meantime a business relationship manager at BBVA continued to manually process payroll and other bills at our request. 

After the buy out was finalized on XX/XX/XXXX we no longer had access to the business relationship manager. Not sure what happened to him. I was also unable to see all my accounts at BBVA now PNC. On XX/XX/XXXX I went into the XXXX branch in XXXX to get the account unfrozen. XXXX XXXX the teller wasn't sure how to do it as she hadn't been trained in the new way to do this yet. And I believe her as I have worked with her for years. She is outstanding!! 

Despite follow up phone calls on XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX nothing is happening. Each time I'm told that a review team " will get to work on it '', but each time I call they seem to have no notes on my previous calls and also are unsure why the account was frozen to begin with. This isn't surprising as I also have no statements available online prior to merger. For a bank they're record keeping is awful!! 

The bank seems to not care at all about my challenges to pay employees, bills, etc when I don't have access to my businesses funds. They are acting like it's their money!! 

Also it's difficult to determine how my business is performing when my book keeper is unable to complete routine monthly book keeping without having access to statements and downloads.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed disputes with XXXX, XXXX and XXXX regarding Nationstar ( dba Mr. Cooper, servicer " Rushmore Servicing ) regarding the errors and account history. On XX/XX/XXXX, the date of the last reported update to the credit reporting agencies by Nationstar incorrectly reports the mortgage balance as {$350000.00} ; date last payment XX/XX/XXXX ; actual payment {$5700.00} and date of last activity as XX/XX/XXXX. On XX/XX/XXXX, Nationstar ( aka XXXX XXXX ) sent a correspondence to me indicating the have provided updates to the CRA disputes. I went online to my accounts to all three of the XXXX XXXX XXXX to review the dispute results and credit report updates reported. Nationstar 's reported to the CRAs that their information was accurately reported and made no corrections. I submitted a dispute second dispute with all three CRAs on XX/XX/XXXX, and requested a reinvestigation of Nationstar ( aka XXXX XXXX ). I submitted copies of my mortgage statements from XXXX to the CRAs as evidence that the mortgage balance is {$350000.00} and timely mortgage payments for XXXX and XX/XX/XXXX were paid. On XX/XX/XXXX, I received correspondence from XXXX indicating that the received the inquiry from XXXX regarding my dispute and that they responded to XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I called the XXXX and XXXX CRA dispute resolution departments. I was informed that the only way that the corrected mortgage balance ; and monthly historical account information for XXXX, XXXX and XX/XX/XXXX could be changed is initiated by Nationstar, regardless that CRAs have the document evidence that the information proof that Nationstar is failing to accurate report the mortgage balance and monthly historical payments since XX/XX/XXXX. On that same day I also called Nationstar ( XXXX XXXX ) to express my complaints that they have negatively impacted my XXXX score which has discreased by XXXX points as a direct result of their failure report my mortgage payments since XX/XX/XXXX. The XXXX score show that only XXXX months of mortgage payments have been by Nati onstar. I am directly being severe harmed financially and my ability to obtain college financial aid ( college loans ) is directly harmed by the decreased credit score. My daughter is going into her second year of college for XXXX school. My credit score is directly used in the Federal Parent Plus Direct Student Loan Application. Further, I am not able to apply a Home Equity Line of Credit with my XXXX XXXX XXXX, who told me to wait XXXX months for the Nationstar to show my mortgage historical account information. I will not be able to send my daughter back to college in the XXXX XXXX if I am unable to secure Federal Parent Plus Direct Student loan because of the harm that Nationstar ( XXXX XXXX ) has caused for their failure to fairly and accurately report to CRAs.
Product: Credit card or prepaid card

I tried cancelling my Delta gold card the other day because of the annual fee and I was talked into doing a product change to a no annual fee version instead. I cancelled within 30 days of the original fee posting, yet I see I was not credited the full amount. Amex is not honoring it's own policy that allows you to get a full refund of your annual fee if you cancel your card within 30 days of the fee posting.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I noticed some billing inaccuracies on my credit report, including late payments that dont match my usual record. Please update my account to reflect the correct information. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Equifax and XXXX XXXX to investigate some accounts on my credit report over 2 weeks ago. Over 45 days have passed, and they have yet to respond.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX ran a Hard Credit on my credit file. 

I did not apply or request any credit from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have on my credit file without my consent signature or any digital format of my signature. 

Copy of my drivers License number or a copy of my social security number was provided for XXXXXXXX XXXX XXXX XXXX this appears on my credit. 

IT also impacted my credit score for something I did not apply for in which was credit.
Product: Student loan

Navient increased the payments that I ca n't afford. I applied for low income payments. But they refused to approve it. They are selfish. They need to read my pay stubs and hours that I work right now very hard. Please tell Navient to pay off my balance. I wo n't pay. Navient is n't honest.
Product: Student loan

During deferment and/or forbearance, I was misled into a postponed payment plan which ultimately resulted in a derogatory information being reported to my credit agencies.
Product: Debt collection

this extortionist XXXX wants me to pay them for violating thier end of the cardholder agreement. 

refuses to reverse transactions-allow 4 fraudulent trnasactions wo my consent refuses to reissue card ( XXXX refuses to do it ) refuses to update address ( 3mos ongoing, mail was stolen ) refuses to ack IDT.gov report abuses my credit file to extort me for money ( a felony ) but refuses outright to deal with the matter. Ive snet over 6 emails and letters to CEO. keeps munging my accounts. will not close wo payment ( extortion ).
repeatedly " updates '' to avoid penalties w the bureaus ( as do other companies ) yet there is no paper trail whatsoever sent to me.
was never late previously but reports as such and denies me credit because THEY CLAIM I was late. I had upright law firm on retainer. THEY COULDNT COLLECT ANYWAY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

Chase credit card close my account a Marriot XXXX without my knowledge and dont receive a letter and I have a balance of XXXX and I want to payoff and because the account is closed I can make a payment and dont take me any options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I complained with Consumer financial Protection Bureau, CFPB COMPLAINT # XXXX. Copy of the complaint together with my fair resolution and Experian 's response is attached. I have also attached attachments for this referenced complaint. Experian claims XXXX XXXX needs my permission by stating " The company needs authorization from you to proceed with your complaint. We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed. '' WHAT DOES THIS MEAN OR IS THIS MORE XXXX XXXX  GAMES? XXXXXXXX XXXX always labels ALL my complaints as a duplicate complaint without ever responding to just one complaint. Now XXXX XXXX claims they need my permission to proceed when I have been requesting an investigation for 4 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian, XXXX and XXXX have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX ; ACCOUNTS : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$350.00}, XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5700.00}, XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$36000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$260.00}, XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$2700.00}
Product: Vehicle loan or lease

I have been trying to get information from Ally Financial for months now. I requested information via mail and through the bureaus and they still do n't respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT BEAURAS DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 

!. ) XXXX XXXX  XXXX - FALSE LATE PAYMENTS ARE REPORTING : DATES : XX/XX/2022 ; XX/XX/2022 ; XX/XX/2022 ; XX/XX/2022 ; XX/XX/2022 REQUEST : PLEASE UPDATE TO PAID AS AGREED NEVER LATE. 

XXXX. ) XXXX XXXX  XX/XX/2022 ; XX/XX/2022 ; XX/XX/2022 PLEASE UPDATE TO PAID AS AGREED XXXX. ) XXXX XXXX XX/XX/2022, XX/XX/2022 ; XX/XX/2022 PLEASE UPDATE TO PAID AS AGREED NEVER LATE XXXX. ) XXXX XXXX THIS ACCONT IS PAID TO XXXX AND CLOSED. 
XX/XX/2022 ; XX/XX/2022 ; XXXX XXXX  ; XX/XX/2022 ; XX/XX/2022 ; XX/XX/2022 PLEASE UPDATE TO PAID AS AGREED NEVER LATE. 

XXXX. ) XXXX XXXX XXXX XXXX THIS ACCOUNT IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT DUE TO FRAUD. 

XXXX. ) XXXX THIS ACCOUNT IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT DUE TO FRAUD. 

XXXX. ) XXXX  THIS ACCOUNT IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT DUE TO FRAUD. 

UNAUTHRORIZED INQURIES : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I've reached out to the bureaus around XXXX or XXXX about this issue. Please help me delete the following fraudulent accounts and inquiries from my credit reports. 

Please delete the fraudulent accounts. These are not mine. I have attached in this complaint my FTC reports. Thank you. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX Contact Information : Email : XXXX Phone : ( XXXX ) XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Re : Complaint Against [ National Credit Systems ] Dear Sir/Madam, I am writing to file a formal complaint against [ National Credit Systems ] for violating my consumer rights under various laws and regulations. The collection agency has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on my consumer report. Furthermore, I have not been given the opportunity to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Additionally, the collection agency is using false, misleading, and deceptive means in its collection efforts, which is a clear violation of consumer rights. They do not have the authority to furnish any account to consumer reporting agencies without providing the necessary disclosures required by law, as stated in 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

I hereby dispute any and all debts to [ National Credit Systems ] and revoke all rights for them to communicate with me via email, texts, or calls. I request that they provide debt validation and furnish the purchase agreement between them and the original creditor. I also request proof that they are licensed and bonded to operate as a collection agency.

I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against [ National Credit Systems ] for their violations of consumer rights and laws. I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Unauthorized Credit Inquiries & Demand for Immediate Removal To Whom It May Concern, I am writing to formally dispute unauthorized inquiries on my Equifax credit report. I recently reviewed my credit file and found inquiries from " XXXX '' that I did not authorize. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report under specific circumstances, including with the explicit authorization of the consumer. I have never given such authorization for these inquiries. 

Equifaxs response stating, " XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY, '' is unacceptable. The FCRA mandates that only inquiries made with a permissible purpose, such as with my explicit consent, can remain on my report. Since I did not authorize these inquiries, their presence constitutes a violation of my consumer rights. 

I demand the immediate removal of these unauthorized inquiries from my credit report. Additionally, I request a written confirmation of their deletion within 30 days, as required under 15 U.S.C. 1681i of the FCRA. Failure to comply with this request will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

Furthermore, should Equifax continue to report unauthorized inquiries in violation of the FCRA, I will pursue monetary relief, including but not limited to damages for negligent or willful noncompliance under 15 U.S.C. 1681n and 1681o, which allow for statutory damages up to {$1000.00} per violation, in addition to court costs and attorneys fees.

Please treat this matter with the urgency it deserves. I expect a full resolution within the statutory timeframe. If no action is taken, I will have no choice but to escalate this matter through legal means. 

Sincerely, XXXX
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX another % XXXX XXXXXXXX XXXX All I can say is RUN!!! Our mortgage sold to this company after buying our house and we did not get a say in the matter. We are currently looking for a new mortgage company. I am also like many of the other reviews, I wish we were able to give negative stars for this crooked company. We were told by our loan XXXX XXXX XXXX we would not have to make XXXX or XXXX payment and he would contact us to schedule the notary for sometime between XX/XX/XXXX - XXXX time frame. I hadn't heard anything so I called XXXX the XXXX to find out what was going on. I was told the Fed took a turn in the wrong direction and we weren't going to be able to close this month, and that {$2000.00} dollar payment that was due XX/XX/XXXX, needed to be paid. But hey it gets better they are willing to waive the late fee as long as I pay before the XXXX. XXXX has XXXX  days in it XXXX XXXX. Yes after dealing with XXXX we asked to speak to his supervisor, which is even more difficult to deal with XXXX XXXX. He is for sure XXXX of those that thinks he is always right no matter how many times you prove him wrong. It is my VERY STRONG opinion that both of these individuals need to be fired. If your dealing with either XXXX record everything, they are incapable of being truthful. I asked XXXX for his supervisors contact information and was told numerous times it was the owner of the company. I am a XXXX  % XXXXXXXX XXXX that has fought for this great country so that guys like this can disrespect me and my wife on the phone and talk down to us so they can make their selves look better. So now we are stuck trying to figure out how we are going to make XXXX payment, XXXX and XXXX totaling {$4000.00} dollars right before XXXX hits. Thanks guys, really thanks. I plan to post this any and everywhere I can think of in hopes it goes viral. Please help me spread the word about these XXXX and this company that continues to employ people of this caliber. I feel that the XXXX months in question should at a bare minim should be rolled to the end of the loan to make this right.