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

I recently reviewed my credit report and noticed XXXX accounts were not reporting accurately. I had XXXX late payments on XXXX different accounts for the same lender, when I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. These accounts have not been late on payments Ive attached a copy of my report to this complaint on the following dates, XX/XX/year>, and XX/XX/year>. Im now requesting you to investigate this account and update these payments to paid on time immediately. Thank you for understanding and prompt action.
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 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 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: Mortgage

In XXXX Bank of America represented to me some of the fees and costs assessed to my mortgage included an amount used to pay off the XXXX XXXX lien, but it remains unpaid to date. I have requested a detailed account and accounting of the XXXX fees and costs assessed to my mortgage and do so again. I have not received any response from Bank of America to date in this regard.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. 
Dispute Department XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX RE : Formal Dispute of Inaccurate Credit reporting under FCRA and Consumer Law To Whom it may concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experians failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under the 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : Conduct a thorough reinvestigation of the following disputed accounts or items Account name XXXX, Account number, XXXX. 
Provide me with all documentation to verify the accuracy of the disputed information. 
Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated time frame. I expect written confirmation of any changes made to my final credit file. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

This company have obtained my personal information from a company without consent of the consumer in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f.
Product: Checking or savings account

My Navy Federal Credit Union account was sucessfully logged into by an unauthorized user on an Android device with an unsupported build that is now 5 years outdated ( version 4.4.2 ). One day after the unauthorized user gained access, there was a deposit made to my checking account from an authorized 3rd party. This transaction has been posted on the 3rd party 's account but not reflected in my account, the receiving account. NFCU is doing nothing to rectify this problem or assist in any way.

During this time, NFCU made no attempt to contact me and notify me of an unauthorized access. I instead had to call NCFU, four days after the unauthorized user gained access, to inquire about why I was not able to see the above mentioned deposit posted.
Product: Debt collection

I have started to receive repeated phone calls from unknown numbers with area codes from around the country including Colorado, Florida, and Pennsylvania. No message has ever been left. I looked up one of the numbers and found that it was associated with Portfolio Revovery Associates, which I had never heard about. I dont owe any debt to them. Here is a list of the most recent calls with the phone number : XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX and XXXX : the XXXX area code number XXXX and XXXX : XXXX XXXX : XXXX XXXX : XXXX There were more calls than this, but thats all of the calls that my phone history shows.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report that I have several unverified and unauthorized inquires that must be removed. I have contact XXXX, XXXX, and Equifax regarding these unauthorized Inquires this would be my third time reaching out to them regarding the same matter. These are not my inquiries and according to the ( FCRA ). Legally these unverified and unauthorized inquiries must be removed. I've listed each unverified and unauthorized inquiries below for XXXX, Equifax, and XXXX. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Debt appears to be from an emergency room visit from XX/XX/2017. I was not aware of the debt or ever given an opportunity to review the details. I am still not sure what this is in regards to. Also, this debt is over XXXX XXXX XXXX. 

Also there are 3 collections listed all for similar amounts and for the same date. the amounts and account numbers are : XXXX XXXX Acct # XXXX XXXX {$1400.00} XXXX XXXX Acct # XXXX XXXX {$1100.00} XXXX XXXX Acct # XXXX XXXX {$1100.00} I tried to dispute this collection previously but was told it was valid and never received any details regarding the charges. I need to see a detailed bill, my signature accepting the charges and the notice that I should have received advising me that this was going to collection. 

I was able to research XXXX XXXX and they operate the emergency room at XXXX XXXX XXXX. I contacted the hospital and they had no record of the visit.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

These are the items I demanding to be deleted immediately :
Product: Checking or savings account

I opened a BBVA Compass Clear Choice Checking with a promotional bonus of {$200.00}. The terms state that in order to receive {$200.00}, you must open a Compass Clear Choice Checking before XX/XX/XXXX and after openeing the account, make an electronic deposit from an unrelated 3rd party of at least {$300.00} into the account within 60 days of account opening. The bonus should post within 60 days. I qualified for the terms on XX/XX/XXXX with an electronic deposit of {$300.00} on XX/XX/XXXX and I have yet to see the bonus post to my account. After reaching out to BBVA compass they have been unhelpful and are unwillilng to solve the issue per the terms of the promotion. Timeline : Account Opening Date : XX/XX/XXXX Electronic Deposit {$300.00} : XX/XX/XXXX On XX/XX/XXXX, BBVA responded that in order to qualify for the bonus, the account must have a positive balance, and that in order for the bonus to post, I would need to have funds in the account. Once the funds are in the account, the bonus would then post. 

I have deposited {$100.00} into the account and I still have not received the bonus as stated in terms and conditions, as well as BBVA compass reply to my original CPFB complaint # XXXX. My efforts to reach BBVA compass through customer service have been exhausted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs, My name is XXXX XXXX XXXX, resident of the municipality of XXXX, XXXX XXXX. I am the owner of a XXXX XXXX XXXX vehicle of year XXXX. This car was financed by XXXX XXXX XXXX XXXX XXXX. The account number with XXXX XXXX XXXX is XXXX. 

After the passage of hurricane Maria over XXXX XXXX, XXXX XXXX XXXX was one of the companies in XXXX XXXX that granted three months moratorium to consumers for the payment of their bills. As a client of XXXX XXXX XXXX, I was one of the beneficiaries of that moratorium. After that period, I continued making my payments to XXXX XXXX XXXX on time. 

Due to an involuntary confusion regarding the scope of the moratorium, XXXX XXXX XXXX, alleged that a payment was missed in my account. I NEVER received a communication or a phone call from this financial institution to indicate that there was a delay in my account. If I had received some type of communication from the financial institution, I would have made all the necessary arrangements to resolve the situation immediately. 

I have always been very careful and responsible with my credit. All my accounts are paid on time and usually well before the due date. My credit score has always exceeded 800 points as has been classified as excellent by all of credit report companies ( Trans Union, XXXX and XXXX ). 

On Monday, XX/XX/XXXX, I received a message from Trans Union indicating that my credit score had dropped 117 points, due to a supposed one-month delay in my account with XXXX XXXX XXXX. Respectfully, I request that this negative mark be removed from my credit history. 

Cordially, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PR XXXX Telephone XXXX
Product: Mortgage

Our mortgage loan was sold to Shellpoint/newrez, which has provided false and misleading information to us regarding our Covid forbearance, turned down at the end of our deferment period adding payments to backend of our loan despite saying we could do that, said that during the review process that they would not notify credit agencies that we were late while still in their review process but notified them anyway leading to a 50+ point drop in my credit rating overnight which has put my career in jeopardy and prevents me from obtaining alternative and/or additional financing to bring the loan current, on which they will not allow me to begin paying unless its its the total outstanding balance ( $ XXXX ), which is unrealistic. Help!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX I open the Robinhood app to find out that my account has been restricted and frozen and that I can not make any withdrawals this frustrated me. They said they wanted a selfie. I sent a selfie immediately. I expected my account to be opened up immediately. This is when the trouble happened. They have frozen my account since I sent in the documentation proven it. I was then told on the app that my account would be opened by XX/XX/XXXX after review by XXXX team. It was never opened on XX/XX/XXXX as I am here typing this complaint on XX/XX/XXXX. That wouldve been XXXX to XXXX business days from my original complaint to Robinhood on XX/XX/XXXX but instead they push it back from XX/XX/XXXX, to the XXXX, to the XXXX, to the XXXX now the XXXX. I speak to Robinhood on the phone finally and they send me multiple of the same automated email from different employees. All not doing anything to further my case along : Hi I hope you're fine and doing well while reading this email. My name is XXXX, a member of Robinhood 's Support Team.

Thank you for reaching out!
Were still reviewing your account. We may request documents in the app during our review, so please continue to monitor your app and reply to any requests. 

Youll also hear from us by phone or email soon after weve completed the review. If we need any additional documents or have status updates well send updates to the email or call the phone number on your account. 

Thank you for your patience! 

Sincerely, XXXX XXXX Thank you for reaching out and providing that information.This is XXXX a member of Robinhood Support team. 

Please call us within the next XXXX business days between XXXX - XXXX XXXX, XXXX XXXX XXXX, so we can assist you as quickly as possible. 

When calling in, please reference the Case ID located at the bottom-left corner of this email. 

You can call us at XXXX while your support case is open, or you can call us through the Robinhood app by following these steps : Select Account ( person icon ) Select Menu ( XXXX bars ) or Settings ( gear icon ) Select Robinhood Support Select Contact us Select Account management Select Account security Select the most relevant topic to your situation Select Contact Us and choose the phone option We look forward to speaking with you soon, so we can resolve this for you. 

Sincerely, XXXX Now once I contact them, the trick is my customer ID gets changed every time I speak to a new representative so they never know that I called in the first place they are playing games. They are not keeping track of my complaints in a professional matter but wants to keep my money frozen, please assist me in getting my money back. Unrestricted, unfrozen and able to withdraw so I can leave this company. 
My biggest issue and complaint is that I have sent in all documentation to Robinhood to prove that I am human. I am me and I am the owner of the account, but they will still not unrestrict my account please for the love of XXXX help me.
Product: Credit card or prepaid card

XX/XX/2022, I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account, Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

For the following accounts : Acct name : XXXX Acct # XXXX I had enclosed a copy of my identity theft report with the written letter I sent out in XX/XX/2022 Because the information you are reporting is the result of identity theft, and inaccurate. During the time this account was open, I was suffering from XXXX XXXX and XXXX and had a caretaker taking care of my things. I have reported the perpetrator to the FTC as instructed. I did not authorize, participate or benefit from this account, I still have not received written confirmation of these actions.
Product: Checking or savings account

On Tuesday, XXXX XXXX XXXX. I received a text from Chase Bank identifying a transaction from XXXX which I did not authorize. The text indicated if I needed to close my card. I said yes. They reissued me a new card and that new card was used for XXXX as well. On Wednesday, XX/XX/, I called Chase as I saw XXXX transactions for XXXX. Chase credited me the money back and reissued me a new card. Today XXXX XXXX XXXX  I saw another transaction for XXXX. I call Chase to get more information. The new card they issued me was used again. I requested to block these funds do not allow any future transactions from XXXX to my account. They indicated there are unable to do that. I requested assistance from them. If there are unable to block these transactions, is there anything on my end to do, they said they are unsure. Chase Bank has access to my income and is unable to secure my money. They did not prevent the fraud transaction. They allowed it to happen total of XXXX times.
Product: Consumer Loan

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$3300.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Student loan

I am in the Public Service Loan Forgiveness Program. I consolidated my loans to FedLoans per the guidance from the Public Service Loan Forgiveness program back in XXXX. This was prior to a payment tracker since the program was still in its infancy. All the years prior to consolidation are missing. I filed a complaint here and they responded that they didn't count because I was in deferment which is 100 % not true and I can prove it. In XXXX, the program moved the annual income based repayment application to the FSA website. In XXXX, I re-certified my annual IBR repayment plan on the FSA website. How could I re-certify my annual income based repayment plan if I was in forebearance?? Also, I filed a freedom of information act request to get my call records and it shows that I called, requested that I was not on forebearance, filled out the form to waive it and I entered repayment ( and verified I was on repayment in the call logs as well ). It is incredibly frustrating I have to go through all these hoops filing freedom of information act requests and pulling my entire income based repayment history just to prove what happened. I want those years added on my history that I have proven over and over that were 1 ) in repayment 2 ) in an eligible repayment plan and 3 ) are certified by my employer already. I enter repayment next month and if those months are added as they should be, I would be done with my 120 months ( I have XXXX and XXXX now ). Please make them do the right thing here. I attached proof I requested, entered and recertified my IBR eligible plan in XXXX and my calls logs going back prior to that waving forbearance and entering IBR. Maybe MOHELA is confused looking at the history because I was at $ XXXX  monthly payment during that time period but it was not forbearance and my attachments prove it.