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

I have recently reviewed my credit report and have noticed that XXXX XXXX, Transunion and XXXX report false and inaccurate historical data. I have provided the information to show the reflection of FCRA violations that are currently reporting on my credit file ( bank statement, payment receipt, the false credit entries presented by XXXX and Transunion ). I am requesting the complete removal of the negative tradeline from my report, as result to multiple FCRA compliance violations that these institutions engage. 

These inaccuracies include : Reporting 120 days late XX/XX/XXXX, and 120 days late XX/XX/XXXX which would be impossible as this is only a 30 day time frame. This inaccurate historical data makes your claim impossible to determine an accurate chargeoff date. You falsely report 120 days late within a 60 day period. That makes no mathematical sense and is completely inaccurate and false. 

XXXX XXXX reported 14 months of late payments after the account was reported as charged off. 

Payment was made XX/XX/XXXX in the amount of {$500.00} to satisfy the entire balance of the collection account, yet XXXX XXXX falsely reported the account as a late payment and charge off for XXXX of XXXX. 

I disputed the inaccuracies to XXXX XXXX and they responded with a letter. The body of the letter states The Fair Credit Reporting Act requires us to report the account history accurately. We are unable to change our reporting on a courtesy basis. 

XXXX XXXX lied and claimed to be following the FCRA laws, in complete contrast to the evidence that I have just presented.
Product: Mortgage

Nationstar has not responded to the attached Notice of Error from XXXX 2015.
Product: Credit reporting or other personal consumer reports

LVNV Collections is NEGATIVELY REPORTING THAT I OWE A DEBT on my credit report that I knew nothing about. I have reached out to the company several times and have sent letters when I found out about the Debt and LVNV Collections never contacted me back. Also, the company is inaccurately reporting the Debt on my Credit Report ( The Date It Was Opened is incorrect/inaccurate, The Date Of Last Activity is incorrect/inaccurate, The Date Of Last Payment is incorrect/inaccurate ). Therefore, this LVNV Collections Account should be Deleted Immediately. It is negatively affecting my mental health and my ability to build credit and get credit. I have been dealing with this for a year plus and now I am ready to seek litigation. I would like this debt deleted immediately. According to The Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX XXXX ( CRAs ). Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureau is refusing to investigate my dispute saying that the info was valid when there is a bunch of inaccuracies on my credit report such, The DOLA dates dont much one bureau is reporting it as bank loan when its clearly a student loan which is a big violation the open dates dont match the late payments dont much one bureau is reporting 2 late payments the other one reporting 4 XXXX deleted my student loans because of all the inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$150.00} XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

the mtg loan, shows many delinquencies which are inaccurate i have received a letter from XXXX stating that the specific dates were on time and need to be corrected. 
please find attached letter from chase, but the bureaus have only updated a few of those delinquencies not all. 
i have XXXX sons who are in military and serving this amazing country, and people. but when it comes to getting a helping hand from people and organizations for which my sons are serving for, i get nothing. i need help to refinance my house so wont loose the only thing that i want to keep for my XXXX sons. if i am not able to refinance i will be losing this house and all the memories with it. 
please help me to have these negative marks removed from my credit report. 
thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. I do not understand why they are abusing consumers XXXXThis 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 Transunion more than 21 times. transunion 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 XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, 2017, I applied for a personal loan through XXXX XXXX XXXX. The office in question is at : XXXX XXXX XXXX # XXXX XXXX, FL XXXX. My representative was XXXX XXXX. Included in my application was income from my employer and an adoption subsidy given to me through the state of Florida. One of the demands made by the underwriter, I had to provide the birth certificate and/or court documents of my daughter 's adoption. When I explained I could include proof of payment through bank statements and/or, receipts directly from the agency that submits the subsidy to us via direct deposit, I was told I still had to show proof by birth cert and/or court docs. I further explained that they were requesting not only personal information of a minor ( which I do not believe is legal ), but also of an adopted child, who 's rights are to be protected legally. I was told they needed to determine the child 's age. I asked for what? To determin how long I received the payments. I stated the child is XXXX and it 's until XXXX. I could provide in writing if needed. The underwriter still refused to budge with that explanation. I explained I could not provide any information beyond the DOB and mine and my husband 's name on the birth certificate ( which I sent ), but the underwriter wanted the certificate to show all information or the court docs, which had far more information in them. I would not provide either. My child was once a ward of the state. I advised in no uncertain terms would I provide confidential information that could disclose her new identity. I explained that I was very familiar with the CFPB laws and this was boarding, if not altogether discrimination to me personally and if not out right illegal practice demanding info of a minor. I was offering alternative documentation and it was being refused. I asked if the same documents, such as a birth certificate and/or court documents would be required if the child was mine through birth and I received child support? I was told. because the child was adopted. Again, I explained I am offering proof of payment via receipts. That is all that should be required of me. I explained that neither a doctor or daycare require such personal information. These two institutions would have far more reasons to ask, as it could be needed given what these institutions are. A financial institution needs nothing, beyond payment receipts, written age of the child and an explanation from the state of FL website on how long the subsidy is paid. Personal info on a minor, absolutely not. The loan would not be approved if all documents were n't submitted. I made clear this was discrimination, refused the loan. Had my child been mine by birth, these documents would not have been required. So mothers, who come to this company, and have adopted have to prove their children are theirs in order to obtain a loan? Seriously? In addition to this clear discrimination ... Why is a financial institution demanding personal information of a minor? What are they doing with this information if given by other customers? How is it protected?
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, XXXX 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: Money transfer, virtual currency, or money service

I have made an international transfer of XXXX XXXX to Coinbase Inc on XX/XX/XXXX. On XX/XX/XXXX they sent me an email saying they will not deposit the money into my account, but refund it within 1-2 business days instead. I have been waiting for the refund 3 weeks now and have not received any response or money back from the company. The customer service is not responding either.
Product: Debt collection

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from WAYPOINT RESOURCE GROUP in the amount of {$420.00}. First and foremost, I have confirmed that the debt collector, WAYPOINT RESOURCE GROUP is not licensed in the state of Texas to collect on this debt. Secondly, WAYPOINT RESOURCE GROU Pviolated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to WAYPOINT RESOURCE GROUP? I have never heard of them, have no written contract with them and have never received any benefits from them, WAYPOINT RESOURCE GROUP has submitted negative information to all three credit reporting agencies ( XXXX, XXXX and XXXX  ) against my name and social security number and is demanding payment from me in the amount of {$420.00}.
Product: Checking or savings account

On XXXX, I submitted an online application to US bank for Easy Checking account with a promotion of {$400.00}. 

On XXXX, I called to inquire about the account status, and the agent indicated that the application was under review. I called again on XXXX to cancel the application since the promotion expired on XXXX. The agent mentioned that I am still eligible for the XXXX promotion since the delay was on US bank, I am still eligible for the promotion. He placed me on hold and talked with a supervisor. He returned with the same information that the supervisor stated I am still eligible for the promotion. He opened the account with the XXXX promotion and indicated that I would get the promotion as advertised. He apologized for the delay in opening the account. 

Unfortunately, US bank has refused to honor the promotion even though I've met all the eligibility requirements. 

Requested resolution : Please honor your commitment of a {$400.00} new account opening bonus.
Product: Student loan

Navient is reflecting negatively on my credit report. All loans have been paid in full however past missed payments Friday XXXX and XXXX are still negatively impacting my credit score due to it appearing on report negatively.
Product: Credit reporting or other personal consumer reports

I reached out to experian, XXXX and XXXX and disputed the collections on my credit report. I asked them to remove them and they did not.
Product: Mortgage

I am the seller of a residential property. The buyers are financing with Broker Solutions Inc. dba New American Funding. The buyers sent me a statement of denial with the box checked " Inadequate Collateral and Unacceptable Property. '' The is no further explanation and upon my request to the lender they refuse to provide any further explanation. The lender provided this document with no proof or documentation and without ever viewing the property. The buyers are using this to break the purchase contract and obtain an earnest money refund. I believe the lender provided this document to help the buyers get out of their contract and in fact committed fraud. Let it also be know that the document was to be signed by XXXX XXXX the loan originator. However XXXX was on vacation when the document was signed. When reaching out to the lender I was connected to XXXX XXXX, XXXX XXXX manager who stated he was the one who actually signed his name above where XXXX XXXX 's name is printed.
Product: Debt collection

SPECIALIZED COLLECTION SER is inaccurately reporting on my credit report Dear CFPB Representative, I am writing to file a formal complaint against Specialized Collection Service regarding the improper collection and reporting of a debt to the credit bureaus. I have disputed this debt directly with the collection agency under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), and they have failed to provide sufficient proof to validate the debt.

I requested that they : 1. Provide the Certified Material Information ( CMI ) for the alleged debt.

2. Supply proof of assignment or release of this debt from the original creditor to their agency.

3. Offer documentation detailing the calculation of the claimed amount.

4. Provide a copy of the original agreement or contract that created the debt.

As of this writing, they have failed to comply with my lawful request for verification. According to the FDCPA, they are required to provide clear and accurate validation before pursuing collection or continuing to report the debt to the credit bureaus. Without proper verification, their reporting of this debt is unfair, misleading, and damaging to my creditworthiness. 

I am requesting the CFPBs assistance to : 1. Investigate this matter with Specialized Collection Ser.

2. Ensure that this unverified collection account is removed from my credit report immediately.

3. Hold the collection agency accountable for any violations of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed UNAUTHORIZED INQUIRIES on my credit report. Someone else applied with my name. According to the FCRA, these unverified and UNAUTHORIZED inquiries most be remove. 

CREDIT BUREAU NAME : EQUIFAX XXXX XXXXXXXX XXXX XXXX XXXX DUPLICATE ACCOUNT ) XXXX. 

XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  in XXXX Maryland, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Early Warning LLC for a copy of my consumer report. I contacted them directly through their consumer portal. I filled out the required paperwork and submitted a copy of my ID. I have received no response from them. I have a right to a copy of my consumer report they have on file. If they can provide a copy to a bank instantly when an account is opened they can provide a copy to me in a reasonable time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX  XXXX bank any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). As much as possible I don't want any mistakes to be put on my record and so. I want this to be taken care of.
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX Fl XXXX Date XX/XX/year>XXXX  To whom it may concern. 

I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below. 

Account name XXXX Account number XXXX Reinvestigate the completeness of every piece of information and if its not accurate please remove it from my credit report. 

Base of consumer law 15 U.S. Code 16811 procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, XXXX has failed to remove the account from my credit report, continuing violate FCRA regulations. 
Experian 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. despite my efforts to resolve this matter directly with XXXX, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws. 
please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Consumer Loan

Regional Finance has been harassing me when I am due for my payments and every month are telling me I am past due. I have been making double payments at times and make attempts to make my monthly payments. They call me multiple times a day, but I am unable to answer or respond because I work long hours that have me on a conference calls or in meetings. By the time I am out of work, they are closed. They have also had a history of disclosing my personal information including delinquency status and loan details to outside parties that are not listed on my loan.
Product: Checking or savings account

I was scammed into sending funds via my Citizens mobile banking XXXX app to another user who was supposed to buying a {$50.00} dress from me on XX/XX/XXXX. Started harassing me via phone and email and sending me emails impersonating XXXX and explaining that my account needed to be upgraded to business etc etc and scammed me into sending additional funds via Citizens banking app for XXXX user. 

After realizing what happened- additional funds were being taken from my debit card /checking account. Citizens bank wrongfully did not close my account when it happened, which caused further debits on my account. Citizens also did not know they needed to file my online claims- instead directed me to file through XXXX XXXX 
Weeks later after finally getting in contact with XXXX they explained no in fact citizens should file themselves and reimburse funds. 

I believe the total amount of money is around $ XXXX {$1500.00}. There was a fraudulent charge on XX/XX/XXXX on my same account for a hotel in my area that I have never ever been to- and I have tried explaining that to the bank as well- and they have yet to credit me any of my funds back. 

I have had to RE FILE the claims multiple times due to the lack of understanding and appropriate action taken by the citizens bank claims department employees. I have been told that my problem would be escalated and Id receive a call 24 hours later, to not receive a call for weeks- for me to have to call yet again to follow up about this matter. 

I immediately filed a police report in my local township and have been working with the detective on this. 

I have attached some relevant screen grabs from the incident.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of credit accounts associated with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX from my credit report. Upon careful examination of a provided screenshot, I have noted both inconsistencies and inaccuracies in the account status, date last active, and date opened, all of which are in direct violation of 15 US Code 1681e ( b ). Furthermore, I never provided written consent for XXXX XXXX XXXX to report my information, as required by 15 USC Code 602 ( a ). 

I kindly request your prompt intervention to rectify these issues by ensuring the swift removal of these erroneous accounts from my credit report. Your immediate attention to this matter is greatly appreciated.