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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverfiable accounts unresolved.The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable reposonses and failing to adequately notify consumers of dispute outcomes.These failures align with my experiences where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I submitted a Dispute with XXXX XXXX XXXX. 

I advised them the month they are showing for one late payment in my entire credit history is wrong ; that I was never late. 

I provided them with a copy of my credit card statement showing that I had a balance credit on my statement during the month in question.
Product: Debt collection

I lost my business due to the economy & had to move to find work. The apartment I moved into did not allow satellite dishes to be mounted on the building or property. I paid XXXX in full every month for over XXXX years ( including additional expensive sports packages ). Contacted XXXX before I moved to terminate service, paid account in full and returned all equipment they required. 

Now they have sent my account to collections to try to force me to pay {$520.00} for early termination. 

The FTC currently has a lawsuit against XXXX for illegally charging customers $ XXXX.+ for early termination citing it as illegal. 

West Virginia law states that if the account is more than XXXX years old ( my account is over XXXX years old / active for XXXX ) they can not sue me or report debt to any credit agency. 

I do not believe I owe XXXX any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

complaint # 1 : ( Account XXXX XXXX ) the credit bureaus are confirmed the XXXX  XXXX  account to be reporting as Accurate. I've provided proof that this account is still reporting inaccurately on my credit report. can you please help me resolve this issue by REMOVING this account from ALL of my credit reporting agencies! 

complaint # 2 : ( Account XXXX XXXX ) XXXX  XXXX  agreed to Remove the account listed if I paid the agreed amount of {$1500.00}. I am providing documents and bank statement to prove that I followed the agreed terms. XXXX  XXXX  did not hold up their end of this deal by deleting this account off my credit report I'm requesting that you please help me resolve this issue by removing this account from all my credit reporting agencies!
Product: Credit card

American Express approved me for SCRA benefits because Im XXXX XXXX XXXX, but secretly and illegally changed my interest rate to 28 % without notifying me. I didnt know until I checked my statement by chance. Now, they are taking weeks to do an investigation to see if I qualify for a refund. They are quietly taking advantage of service members by claiming to be military friendly, but secretly overcharging interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a general complain about the lack of security by Equifax in their latest massive data breach impacting almost half of Americans, for which I am a victim of. CFBP and Congress must step up and penalize Equifax for their gross incompetence and negligence for not providing adequate digital security for extremely sensitive databases leading to a lifetime of worry and concern to people who have no choice in being their " customers ''. While offering free, short-term monitoring of credit is a nice gesture, this is a serious problem impacting every consumer with a credit history and identity thiefs may take advantage years down the road as people begin to forget Equifax 's breach occurred. Equifax must be made an example of to send a message to all companies handling consumers ' sensitive data : lax security in the digital age will not be tolerated. Over one hundred million Americans have been impacted by Equifax 's decision to not take adequate security measures, and this can not happen again. Thank you.
Product: Debt collection

The company calls 2-3 times per hour all day. They also call around XXXX EST often times. This is harassment.
Product: Checking or savings account

I am writing to formally file a complaint against Robinhood Markets Inc. regarding the recent restrictions placed on my account, which have prevented me from withdrawing settled funds totaling {$16000.00}. This situation has caused significant financial distress, as I am unable to access these funds to pay my mortgage. 

On Friday XX/XX/year>, I noticed that my Robinhood account was restricted, and I was unable to withdraw any settled funds. I was asked to submit bank statements for my account, which I did immediately. 

Since then, I have attempted to contact Robinhoods customer support multiple times over the past two days without any success. Despite my urgent need to access these funds to meet my mortgage obligations, Robinhood has not provided any assistance or resolution.
Product: Mortgage

Hello, back in XXXX of last year Freedom Mortgage sent me documentation to do a loan modification with trial payments, I did the first payment, went to the second payment, I was told the first payment was applied incorrectly thus having to redo the process. From this point forward they made me apply for the loan modification and every time they said they never received the documents needed, they didnt have enough time etc. I have a paper from a law firm dated XX/XX/XXXX in which they then planned to auction my house off.. I contacted them, resubmitted documentation, and got the auction delayed until XX/XX/XXXX of this year.. I was informed about a week before the auction they didnt have enough time to do the loan modification and the underwriter denied the loan modification. I provided bank statements, pay stubs, everything they needed. I have worked full time at my current job since XXXX XXXX I was behind for XXXX XXXX XXXX payment and that is what started this whole process. They have refused to work with me, they are now selling my house via a real estate company because it did not sale at auction. I have contacted them asking what do I need to do, they say nothing can be done I am loosing my house because of this company and if you look at my account on here youll see I had to file a complaint against them because they wouldnt accept documentation from the state which was basically the state trying to give them a check and the only way that worked out was after I filed the complaint against them with you.. I shouldve did this a couple months ago but I was hopeful theyd do the loan modification since I provided them with everything. They have had zero communication with me, and if I wasnt signed up for auction.com and had my house saved in my profile I wouldnt even have know about the auction being on XXXX the XXXX and then I called them and was told to contact the law firm.. of which no one ever replied to me I received an email this morning from auction.com saying my house was now vacant and that bidding starts in 8 days can someone please intervene and help. This company has a reputation at least with me with not doing what they need to do and they dont care if I end up homeless. I have documentation of everything needed as well to show everything stated above. 
Please help me if you can, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX  XX/XX/XXXX TO : CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) Federal Trade Commission and XXXX XXXX XXXX XXXX XXXX, Attorney at Law, XXXX XXXX XXXX, File # : XXXX FROM : XXXX XXXX XXXX, Consumer RE : CASE NUMBERS BELOW WITH CFPB Case Number Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX   Summary Chronology of My Complaint Against XXXX XXXX XXXX XXXXXX/XX/XXXX, my husband passed.

XX/XX/XXXX, my account with XXXX XXXX/Capitol One became delinquent, I engaged an attorney to file bankruptcy, XX/XX/XXXX, I changed my mind and decided to handle the delinquent credit on my own,XX/XX/XXXX, XXXX XXXX/Capitol One, SOLD my account to XXXX XXXX XXXX, XX/XX/XXXX, I negotiated verbally with, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, ( 2 Names, Same Company ), to pay {$250.00}. per month toward {$22000.00}, until the balance was paid off. XXXX XXXX XXXX, 2 NAMES, SAME COMPANY, deducted {$250.00}. every month from my XXXX XXXX XXXX  account, beginning XX/XX/XXXX. I made the first payment by check XX/XX/XXXX, for {$250.00}. ( I have sent you those records ). XXXX XXXX XXXX XXXX, 2 names, same company has deducted payments of {$250.00}. for 52 months, 4 years and 4 months to date, totaling {$13000.00}. toward. {$22000.00}. My balance with XXXX XXXX XXXX, should be {$9100.00}, but they have indicated a balance of {$19000.00} I did not know the following law : California has a statute of limitations of four years for all debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts like credit card debt, lenders can not attempt to collect debts that are more than four years past due.

Consumer Debt in California Debt Collection, Settlement, Regulations XXXX XXXX XXXX  I would not complain except, XXXX XXXX XXXX , 2 names, same company, has not given me credit for all of the payments I have made, which total, {$13000.00}, and they have CHANGED the amount I agreed to pay with their representative, XXXX, from {$22000.00} to a higher amount of {$26000.00} with interest, climbing at one time to {$26000.00} with interest. They have also CHANGED their reporting to the 3 Credit Agencies by dropping their name of XXXX XXXX and the beginning date of XX/XX/XXXX for this account, with all of the consistent monthly payments I have made, and they began reporting XX/XX/XXXX under the name of the Bureau ONLY, with a new beginning date of XX/XX/XXXX for the charge off as if this is a new account. It is not. My account with XXXX XXXX XXXX XXXX, began in XX/XX/XXXX, under XXXX XXXX and it continues to date. They, XXXX XXXX XXXX XXXX, 2 names, same company, continue to deduct {$250.00}. from my bank account to date, 4 years and 4 months, beginning XX/XX/XXXX to date for the same one account.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX  and 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 reported in XXXX XXXX XX/XX/2023 to be removed. 

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 XXXX 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! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove my extended fraud alert, security freeze and consumer statement.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Mortgage

CMC Funding XXXX # XXXX purchased our mortgage in XXXX of 2016. Since then we have issue after issue with our statements showing the wrong amounts, payments not being debited to our account in a timely manner, warnings that our payment is more than 30 days past due. I have called and emailed multiple times. Each time I am told someone will get back with me in 24-48hrs, but no one ever does. I need help, they are not doing anything to resolve these issues.
Product: Checking or savings account

On XX/XX/XXXX I Purchased a flight ticket from XXXX XXXX   for {$490.00}, but unfortunately i was unable to fly so i contacted my bank to get my money back. So they did and i got my money back. 

A few months later, they send me a letter stated that i needed to show them more information in order for the money to stay on my account. I wasn't able to provide any information since the company XXXX XXXX didn't send me the necessary information until XX/XX/XXXX. 

The station manager has told me that i have to contact my bank in order to get my money back since the bank took the money back and gave it to XXXX XXXX. 

I Have sent them the necessary evidence in numerous letters, but all there response is " our investigation is completed. '' Pretty much telling me that they can't help me anymore even after i have sent them the necessary evidence. 

Can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX XXXX me and my father 's identity were stole by my ex boyfriend he XXXX XXXX and took 2 of my phone 's at the moment and till this day I don't have a phone and my father is in XXXX well my ex boyfriend XXXX XXXX XXXX TOOK ME TOO A HOUSE WERE HE BEAT ME AND TOLD ME THAT HIS FRIEND WAS GON NA KEEP TRACK OF WERE I WAS AT ALL TIMES AND WELL NOW I RECEIVED MY FATHERS MAIL AND LOAN AUTO LOANS AMD WELL MY FATHER ISNT HERE I NEED TOO SPEAK TOO SOMEBODY ASAP PLEASE BEST CONTACT NUMBER IS XXXX XXXX PLEASE I NEED HELP TOMMOROW I WILL BE FREEZING MY FATHERS CREDIT WITH ALL 3 CREDIT BUREAUS
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt is not owed and is showing up on my credit report using an address that I have never lived at.
Product: Credit reporting, credit repair services, or other personal consumer reports

IT IS ILLEGAL TO PLACE A CHARGE OFF ON A REPORT. SEND XXXX C TO DEBTOR. YOU CAN NOT REPORT A LOSS TO THE IRS AND STILL TRY TO COLLECT NO KNOWLEDGE OF ACCOUNT PLEASE REMOVE AND SUPPRESS. SEND XXXX TO DEBTOR IS NOT REPORTING ACCURATELY ACROSS BUREAUS, REMOVE IMMEDIATELY REPORT ATTACHED UPDATE AND SUPPRESS NEGATIVE INFORMATION I BEG SOMEONE IN CFPB TO INVESTIGATE HOW HARD IT IS TO GET TO YOUR ONLINE ACCOUNT UNLESS YOU ARE PAYING LIKE XXXX... WE HAVE TO PAY TO SEE OUR OWN SO CALLED DATA. I AM SICK OF THIS. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Product: Credit card or prepaid card

I can not access my Capital One account and apparently neither can customer service. In the meantime, triple alert has sent me a message that my account has been negatively affected. I go to that service to discover my account is over its limit. However, there appears to be no way I can access or review my account either online or over the phone via their customer service to resolve and issues or even review my account. The two step verification fails online blocking me and when I call in they say their systems have been down. I have attempted to access my account at least 10 times over the past week.But the verification code is never sent. Now a message comes up stating there's an issue ... the question is what is the issue and how bad is it. For all I know their system has been compromised and they won't tell us.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are several late payments showing on my account innacuratly during the COVID protection period.
Product: Money transfer, virtual currency, or money service

It was the scamer fraud before I didnt know it, when I did the wire transfer, so on XXXX I did ask the TDBank, XXXX XXXX  and XXXX  XXXX XXXX to credit me back, but did not do it for me!
Product: Credit reporting or other personal consumer reports

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account documented Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( Experian, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character
Product: Credit reporting, credit repair services, or other personal consumer reports

I SPOKE TO THE CREDIT BUREAUS REGARDING INQUIRES THAT I DID NOT AUTHORIZE AND WAS TOLD TO FILE A COMPLIANT TO HAVE THEM REMOVED FROM MY CREDIT REPORT