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

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Experian on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledae of errors. 

or deleted from the file of the consumer. 
According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( it ) the information is, in fact, inaccurate. 

This is unfair and if they are doing this to me imagine who else they are doing this too. 
Can you fix
Product: Checking or savings account

Hello, My name is XXXX XXXX, this in reference to complaint numberXXXX 

I believed the matter had been resolved, but I attempted to log into my XXXX savings account yesterday, XX/XX/2022, after the bank temporarilyre-enabled my account, allowing me access to my online account and my funds. 

However, XXXX XXXX has " XXXX '' my account AGAIN without notifying me or explaining whyI can't access my account or my funds. 

Once again, I can not access my account or the remaining balance of {$3000.00} I have in the account. 

I need access to my funds to transfer my money back to the bank of origin and close the XXXX account. I have no interest in ever doing business with this institution again. 

XXXX XXXX should be investigated for abusive consumer practices. 

Thank you.
Product: Credit card

This card is from Mattress XXXX but run by Synchrony. They are charging a {$1.00} fee/m for " paper statement fee. '' If this charge was disclosed, it was hidden.
Product: Debt collection

At the end of XXXX my husband and I paid off our mortgage which was held by XXXX XXXX XXXX. This total we paid was part of an earlier government modification. Mortgage was considered paid in full. In XXXX of XXXX we received a notice of foreclosure from Trinity Financial Services , LLC, a company I have never heard of. They did not have any information to give me such as an account number, dates of any transactions ( withdrawals or payments ). We had to retain a lawyer to the amount of several thousands of dollars to stop this foreclosure. Our attorney has requested documents to support this loan on several occasions with no resolution. On 2 occasions Trinity has sent me paper work asking for account numbers and social security numbers from me, which I will not provide. In XX/XX/XXXX I filed bankruptcy due to a predatory con man and all debts were discharged in XX/XX/XXXX. No where in previous paperwork does Trinity show up as a person I owe monies. Every time my lawyer has to contact this company we have high bills to pay. They have had 16 months to provide proof of loan and have not been able to. They should have to remove this debt from the system and be forced to remove the lien they have attached to our home. We feel this is a predatory loan company which has no validity in the claim against us. The name on the loan they are showing is XXXX XXXX XXXX. They have received several letters from our attorney XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am legally XXXX on XXXX. I am XXXX XXXX XXXX. GM Financial knows that I am XXXX. My XXXX expired on XX/XX/XXXX. I called them well in advance of the expiration and extended my lease. I receive a phone call on XX/XX/XXXX asking me for the signed lease extension, but I had never received one. They admitted they sent it to the wrong address in NJ. They say they will resend. 


... ... ... ... ... ... ... ... ... ... ... .. 
1. XX/XX/XXXX I receive the lease extension. I fax the signed extension to them and receive a confirmation. They agree they have it. 

... ... ... ... ... ... ... ... ... ... ... .. 
2. XX/XX/XXXX I receive another lease letter from XXXX XXXX. But I didnt see it for over a month because I never check my mail because I do everything electronically as I am unwell. When I saw it I thought it was a mistake and disregarded it. 

... ... ... ... ... ... ... ... ... ... ... .. 
3. XX/XX/XXXX I receive a text from my brother in another State alerting me that I received mail at HIS house. I never lived in his house. I had him open the envelope and send me photos of the envelope and contents. In the envelope was a business card for a car repo person. I got nervous and assumed identify theft so I checked my credit report and saw that GM Financial CHARGED OFF my car. I tried to dispute it with XXXXXX/XX/XXXX but it is also reported as paid in full. Isnt it illegal to harass my family in another State to embarrass me into returning a car I am allowed to have? 
... ... ... ... ... ... ... ... ... ... ... .. 

4. XX/XX/XXXX I phoned XXXX and was on hold for nearly 4 hours and transferred to multiple people. During the call I emailed them PROOF that I had a lease extension and they illegally contacted my family. At the end of the I was told that the mistake would be rectified and I can keep the car until XX/XX/XXXX. So I made my monthly payment, which would mean I am paid in full until XX/XX/XXXX. 
... ... ... ... ... ... ... ... ... ... ... .. 

5. XX/XX/XXXX I receive a call from them at telling me they are repossessing the car TODAY. They claimed they never got the lease extension so I offered to resend it to them yet again. I resend it to them by email and they call me and said that it is now null and void because I filled it out wrong. I asked her for a refund ( of my monthly payment for XXXX ) and for a release ( saying they would release the charge off ) if I could return the car the car today and she said the charge off will remain on my credit unless I pay $ XXXX for the car right away. 
... ... ... ... ... ... ... ... ... ... ... .. 

6. I can not afford to buy the car. It is XXXX. I have less than XXXX mileage on it. I just use it for doctors visits and to buy food. Theres no public transportation to my doctors and I am not working. How do I buy another car when theyve destroyed my credit? 
... ... ... ... ... ... ... ... ... ... ... .. 

7. Theyve accepted all payments. None of them have been returned.
Product: Money transfers

I found in my email a message from website : XXXX paid a mere {$4.00}, {$2.00} in International card handling fee, and another $ XXXX for a product I have never received. I attempted to contact the company and reached a call center. The agent did not apologize for telling me the he was sorry I have not received my prodcuts, but " ... you will have to contact the USPS becasue that is just shipping money ... '' Yet, he REFUSED to provide me with any tracking information and refused to refund the money, which is not much. But I believe these are shady business practices. I have emails but can not get them attached ... The sum of {$7.00} is broken into the following in my FROST BANK account - {$4.00}. XXXX, {$1.00} XXXX card Fee XXXX/XXXX/15, {$1.00} XXXX XXXX XXXX several days later, {$.00} XXXX/XXXX/15
Product: Mortgage

I would like file a formal complaint under the Homeowner Protection Act ( PMI Cancellation Act ) against Rocket Mortgage and XXXX XXXX for deceptive lending practices. 

I requested termination/cancellation of PMI coverage based on the equity of my home reached over 20 percent of said loan based on valuation lender provided consumer via loan web site and in written correspondence advertising encouraging use of home equity. 

According to lender I can not termination PMI coverage unless I agree to a home inspection and pay for said services without options of choosing home inspectors which is not a required under the Homeowner Protection Act. 

I am requesting an investigation and enact or enforcement consumer laws that prevent this deceptive business practice of allowing consumer to take out line of credit based on the lender valuation without any home inspection then requiring consumer to get and pay for a home inspection without an option to select inspector to terminate PMI coverage. 

Lenders should not be able to entice or advertise home equity loans based on theyre valuation place that dollar amount on said web site then turn around and tell the consumer well to terminate PMI coverage we can not use our valuation we need a home inspection.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, Equifax Inc. revealed that its computer systems were hacked several months ago due to negligence in their IT security. Because of this, a large amount of my personally identifying information was released without my consent, as identified by the website equifaxsecurity2017.com.
This has the potential to impact me by increasing my risk of identity theft, and poses a risk to my credit history should I try to obtain a loan in the future.
Product: Debt collection

CBM services was calling on my personal cell/ work phone to collect a debt not owed by me. I informed them I wanted correct accounting of debt we which was not provided. The correct amount is {$870.00}. 31. They informed me a owed {$960.00}. 31 plus {$280.00} collections fees for over 90 days late. I explained that my bill was incorrect and wanted a correct accounting of bill, at which time I could pay. I never received the correct billing and it was place in civil suit, I am being sued for {$1200.00}. 40. I had a pretrial hearing, and was told that billing should be corrected. Company corrected the billing but still charging the XXXX collections for not paying the " incorrect '' amount in 90days
Product: Credit reporting, credit repair services, or other personal consumer reports

I thought this was resolved over a year ago. I am in the middle of trying to obtain a mortgage loan for a new house finding out that it was not. I have a letter from XXXX XXXX stating that they added some note to the credit report to advise that I was in a loan modification and was NEVER late and was Never 120 days behind. But the credit report still shows 120 + days late. I was told on numerous occasions that this was to be corrected, but it has not.

I call into their customer service line and wait for them to fill out another form and they will contact me when it gets thru their investigation yet again. I have sent copies of the payments I have the 1st complaint letter in your file that says that they have called me ( no ). I need this corrected asap and no I don't have another 30 days. I have included the letter that was sent to me again the other day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan with this company called cash Aisle and I realize that The interest of the loan is as to much for me so I called a debt collection for my solution I on what I need to do about this situation. 
I was told that I could put all my bills as one and pay the company Cash Aisle back through my debt solution program i that I enrolled into to help me get out of this debt so there be no bad debt owed on my credit report. 
I found out that Cash Aisle has a negative. Hit on my Clarity credit report which I never even heard of but when I look up clarity service and found my report, there it was a Negative hit against me and I could not understand why would they have this negative hit on my report when I have paid on this account in XXXX and XXXX and have the documents to prove that I made payments on this Cash Aisle account through my debt solution program and there is no I should have any delinquency on my Clarity report and Especially when I have prove that I have been paying on this account for at less two months so why do s it on a credit report call clarity and its reported inaccurate
Product: Credit reporting or other personal consumer reports

To whom it may concern, I was looking over my credit report I wanted to make sure everything was 100 % correct and accurate. Can you reinvestigate the accounts listed below. 

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

I received an email from XXXX XXXX XXXX on XXXX XXXX, XXXX  as follows ( my name deleted ) : " New inquiry detected on your credit report XXXX XXXX, We detected a new inquiry on your Experian credit report. A new inquiry occurs when businesses request access to your credit file, for instance when you apply for a credit card or loan. 

Log into your account to view the full details of this alert. From there, you can let us know if you don't recognize the activity and we will contact you to further investigate. '' I logged into my account and found that activity was reported from " XXXX  XXXX XXXX XXXX ''. I have no dealings with this institution. 

I received a similar email from my XXXX card account where I have similar protection. I contacted them and they directed me to Experian. Experian wants a police or FTC report to continue their investigation. FTC website directed me to CFPB. So I am hoping to get a CFPB report that I can pass on to Experian and that this will meet their needs. 

Thank you for any help that you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

COLLECTIONS ARE INCORRECT, THE AMOUNT IS PAID TO THE ORIGINAL COMPANY. I DISPUTED WITH CREDIT COMPANIES BUT THEY DIDNT REMOVE FROM MY REPORT. 

1. XXXX XXXX XXXX XX/XX/XXXX {$1300.00} 2. XXXX XXXX XXXX XXXX {$1900.00}
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the XXXX affidavit from the site XXXX  Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding their failure to provide me with the Method of Verification for items on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 6 ) ( B ) ( iii ), consumers have the right to request and receive the Method of Verification when disputing inaccurate information on their credit reports. 

On XX/XX/2024, I submitted a dispute to TransUnion regarding inaccurate items on my credit report. Per the FCRA, TransUnion had 30 days to investigate the disputed items and provide me with a response. However, despite my request, TransUnion failed to provide me with the Method of Verification within the required 15-day timeframe after my initial request.This is a clear violation of the FCRA, which states that if a consumer requests Method of Verification , the credit bureau must provide it within 15 days. Failure to do so undermines my ability to effectively dispute inaccuracies on my credit report and violates my rights under federal law. 

These accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I respectfully request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action against TransUnion for their non-compliance with the FCRA. Additionally, I request that TransUnion be required to provide the Method of Verification for the disputed items without further delay. 

Enclosed with this letter are copies of relevant documents, including my credit report, dispute correspondence with TransUnion, and evidence of their failure to provide the Method of Verification within the required timeframe. 

I appreciate your attention to this matter and look forward to a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a letter indicating that I did not have a foreclosure on XX/XX/XXXX to XX/XX/XXXX Equifax, and XX/XX/XXXX certified mail. Also, I requested a copy of the allege records for my review. Neither Credit Bureau has submitted those mortgage documents for my review to date which is my legal right under the law. Accordingly, I am demanding for the XX/XX/XXXX Home Mortgage entry to be deleted off my credit profile due to the Credit Bureaus non-compliance of the law of supplying me the mortgage documents showing a foreclosure.
Product: Student loan

Tried making a payment for a Parent Plus Loan, the payment would say it was processing, then I would check back for the next payment month and it keeps saying I missed a payment. The payments keep getting reversed. I have checked with my bank and there should be no reason the payment gets reversed on their end so it is an issue with loan service. This is now my second time getting a payment reversal which is worrying because I do not want to be put into delinquency for an issue caused by the loan service. I never had any trouble making payments before until my loan service was changed to Edfinancial. I have tried getting in contact with Edfinancial but have gotten no response. I have also become aware that this payment reversal problem is occurring with many other people and do not want to wait any longer trying to make payments that do not go through. 

I made a payment in XXXX and it was reversed the exact same day even when it said at first that it was " processing ''. I tried making another payment again in XXXX, and again it was reversed on the same day without me realizing it becuase it said it was processing.
Product: Debt collection

Received a debt collection from XXXXXXXX XXXX  saying I owed money to PayPal on the amount of {$1200.00}. Culprit used my name and number but after calling PayPal I realized they used a different email. XXXX. Paypal collection says that the account was closed in XX/XX/2019. I received no mail from PayPal before it went to XXXX XXXX.
Product: Debt collection

The company was notified to remove the debt because the doctor billing department did not code the bill correctly. The collection agency refused the request and stated it would not be removed
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC 1681. I know I have the right to fair credit report there is alot of inaccurate information provided also stating that per FCR LAW is valid and that is false. I also know I have a right to privacy and a consumer reporting agency can not furnish a account without my written instructions. I also read that a consumer reporting agency can not furnish a account without my written instructions. 

1-XXXX  ACCOUNT # XXXX 2-XXXX  ACCOUNT # XXXX 3-XXXX  XXXX, XXXX ACCOUNT # XXXX 4-XXXX ACCOUNT # XXXX 5XXXX ACCOUNT # XXXX 6XXXX ACCOUNT # XXXX 7-XXXX  ACCOUNT # XXXX 8-XXXX  XXXX  ACCOUNT # XXXX 9-XXXX XXXX ACCOUNT # XXXX 10-XXXX  XXXX  ACCOUNT # XXXX 11XXXX XXXX ACCOUNT # XXXX 12-XXXX XXXX ACCOUNT # XXXX 13-XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) ACCOUNT # XXXX 14XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT # XXXX 15XXXX XXXX ( Original Creditor : XXXX XXXX  ) ACCOUNT # XXXX 16XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) ACCOUNT # XXXX 17XXXX ACCOUNT # XXXX 18XXXX XXXX  ACCOUNT # XXXX 19XXXX ACCOUNT # XXXX 20XXXX XXXX  XXXX ACCOUNT # XXXX 21-XXXX XXXX XXXXXXXX ACCOUNT # XXXX 22-XXXX XXXX ACCOUNT # XXXX 23-XXXX ACCOUNT # XXXX 24XXXX ACCOUNT # XXXX 25XXXX XXXX XXXX ACCOUNT # XXXX 26XXXX XXXX - ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

a number of inquiries on my credit report not made by me
Product: Checking or savings account

Hello so my name is XXXX, so when I file my taxes for XXXX  I had my chevking account still open. And prior to that I had made an arrangement for them not to close the account because I was going to pay the overdraft fee on XX/XX/XXXX. And my XXXX  deposit was made yesterday but it is being rejected because I just finally got an email saying that where the money was supposed to be deposit was closed. So now my deposit is just being held by Wells Fargo. And I wanted to know how I can go about getting my deposit into the new account I created with Wells Fargo. Because I've tried calling IRS and they told me that see if my bank can merge or transfer to fund from my old close account to a new account. Phone number is XXXX