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

In accordance with the Fair Credit Reporting act, XXXX XXXX A, 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. 
15 U.S.C 1692b acquisition of location information by debt collectors
Product: Mortgage

XX/XX/year> - insurance company sent invoice to Michigan Mutual ( fha lender ) for renewal in the amount of {$2000.00}. 

Michigan mutual short paid and therefore the check was returned to Michigan mutual. 

Another notice was sent to them regarding cancellation if premium was not paid. 

We were not notified until we received a package from Michigan mutual stating that due to us not having insurance, they purchased a policy on our behalf.
Product: Debt collection

There saying I owe XXXX to the XXXX XXXX Ive always paid I also have a XXXX  one credit card for any balance I called the XXXX XXXX  they said they didnt have any record of me being behind the two credit investigated and removed it from my report but XXXX refused
Product: Checking or savings account

My husband and I had XXXX accounts at FifthThird bank. When we opened to login page all XXXX accounts were shown for years. Upon my husbands death, the savings account in his name only disappeared. I thought maybe it went inactive due to little use but the bank says it never existed. It did. My husband and I looked at our 5/3 accounts many times each month for years. My annuities person saw the XXXX accounts. I wrote down totals of how much money we had in the bank many times. After I took my husbands death certificate to the bank, his account disappeared from accounts. I know who opened the account, about when and where. I will be happy to provide that information. Im told it is up to me to prove it existed. Everything was online. What person would expect their savings at the bank would disappear. I certainly would have printed and documented if I had any inkling this could happen. If a law enforcement agency could get past info from our iPhones, surface or computers they could find the account. I have tried calling data retrieval companies but apparently they need law enforcement to retrieve bank info. Please help. Whatever happened was a very sophisticated planned event. This account was not a secret account by a husband from his wife.
Product: Debt collection

I noticed my XXXX XXXX decreased by XXXX points resulting from XXXXXXXX XXXX  on behalf of XXXX XXXX securing Portfolio Debt Collection to collect over {$6000.00} in debt that XXXX sold to XXXXXXXX XXXX I have been paying XXXX for years not missing any payments. I called XXXX, Portfolio, and XXXX. No one can explain why this derogatory mark is on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX reported to me that XXXX XXXX Bank denied a loan that I did not apply for with XXXX XXXX Bank which I have never heard of. XXXX XXXX Bank is basing the denial on my Transunion Credit report which states the following : Number of balance increases for non-mortgage accounts over the last quarter I am paying down my credit cards and am current on all payments with 100 % payment history Percent of accounts switching from active to inactive status in the past 12 months I have no accounts that switched from active in inactive status Number of high credit increases for revolving accounts over the last quarter I have had no nor requested any credit increases at all Total amount overpaid on installment loans over the last year I have no existing installment loans
Product: Credit reporting or other personal consumer reports

Subject : Demand for Method of Verification Under FCRA & State Law To Whom It May Concern, I am writing in reference to my previous dispute regarding fraudulent accounts that remain on my credit report despite my submission of an FTC Identity Theft Report and supporting documentation. Your response stated that these accounts were " verified, '' yet you have failed to provide proper verification as required by federal and state law.

Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ( FCRA Section 611 ), you are required to provide a " description of the procedure used to determine the accuracy and completeness of the information. '' Your response has failed to satisfy this legal requirement. Therefore, I demand that you provide : The name and contact information of the party who verified the disputed account.

A copy of the actual documents used to verify the accuracy of the disputed account.

The specific method and procedures used during the verification process.

Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ( FCRA Section 623 ), furnishers of information must ensure that the information they report is accurate. If the furnisher can not provide proper documentation proving the legitimacy of this account, it must be removed immediately.

Additionally, under 15 U.S.C. 1681e ( b ) ( FCRA Section 607 ), credit reporting agencies must maintain maximum possible accuracy in credit reports. If you can not demonstrate that this account was verified with proper documentation, you are in direct violation of federal law. 
XXXX. Account Name : XXXX Account Number : XXXX violates my rights under 15 U.S.C. 1681e ( b ) ( FCRA Section 607 ). PLEASE DELETE. 
XXXX. Account Name : XXXX Account Number : XXXX violates my rights under 15 U.S.C. 1681e ( b ) ( FCRA Section 607 ). PLEASE DELETE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open-end consumer credit plan as a late for any purpose.
Product: Credit reporting or other personal consumer reports

This dispute started in XX/XX/XXXX when Discover failed to reply to multiple letters and supporting correspondence. I am not obligated to pay any disputed amount by law, so I did not. This account is now current and has been for almost four years. The dispute of {$2300.00} is resolved, and the balance is credited for that amount. All payments are being made on time. 

I agreed to the settlement during the call with your representative on or about XX/XX/XXXX. Initially, I was told the call was being recorded by Discover. During that call, as part of settling the account, my credit report and Discover history would also be updated to show the correct/current information. After years of on-time payments being reported accurately, as of today, Discover continues to show the account past due from XX/XX/XXXX through XX/XX/XXXX. 

This is incorrect. The aging should be amended now that the dispute is settled, and this delinquency history should be deleted or amended. As a result, I am requested a copy of the transcript or actual recording of the phone call with Discover as evidence of what the Discover representative promised in order to encourage me to agree with the settlement terms. If you feel the representative would not mis-represent the terms, then the recording or transcript would also indicate such. 

I am therefore requesting that any previous months delinquencies or late payments be removed, corrected, or suppressed from all three Credit Reporting agencies where they continue to appear, negatively influencing my overall report. Please reply directly to me as to how Discover will finally resolve this matter after five years.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

The past 2 months I had made several large charges. To manage my budget over the period I made large partial payments on my account. My account is set up for auto-pay when bills are due. Even though I had made the large partial payments, the auto-pay took the full amount of the ORIGINAL statement amount, NOT the amount still owed at the time they processed the payment. BOA told me partial payments are applied to post statement charges only ( which were non-existent at the time of the autopay ). They offered to refund the credit, however it will take 7-15 days to be processed, or leave it to be applied to future charges - neither of which helps my budget. How dare they arbitrarily take an over payment when money is not owed? I have other charge cards and they all apply partial payments to the current bill and process the monthly autopay reflecting any partial payments already made. I have requested the refund but believe BOAs so-called policy for applying partial payments in connection with autopay processing needs revisiting.
Product: Student loan

XXXXPNC is reporting on my credit report the amount of {$2600.00} and late payments. I was not late on this account. And when I tried to contact there was nothing they would do to assist me on this. Please have this account and late payments removed from my XXXX credit report.
Product: Credit card or prepaid card

I bought a US Bank prepaid visa for {$490.00} from XXXX The card never worked, the call center staff is not equipped to see the issue or help out asking me to wait for 24 hours and making stupid statements like the cards may not work at XXXX, i had bought more than 1 card and all the others worked at XXXX without any issue. 

I waited for more than 48 hours and it still didnt work, the call center staff again told me I just need to wait for 24 more hours.

This is a pattern with US Bank in deliberately not activating cards properly and holding onto consumer money and hoping they dont ask for it back using regulators. Its either incompetence or malice but deliberate in both cases as they have had these issues for years and refuse to invest and fix them. 

Despite multiple attempts to check registration online, change pin etc. I have been unsuccessful. The supervisor at the call center was also not able to help me out and I am literally out of options. She tried to register and told me it would solve the issue and its still not.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute several inaccuracies in my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ]. The information listed below is incorrect and must be investigated, corrected, or deleted immediately as required by law. 

XXXX XXXX XXXX XXXXXXXX 1. Account Status Discrepancy XXXXXXXX XXXX XXXX : Reports account as " Closed XXXX XXXX  : Reports account as " Open '' Dispute Reason : This inconsistency violates FCRA 1681e ( b ), which mandates accurate reporting. If two bureaus are reporting the account as closed, the third should not list it as open. Please correct or delete the erroneous information.

2. Payment Status Discrepancy XXXX XXXX XXXX : Reports " Late 120 Days '' XXXX : Reports " Foreclosure '' Dispute Reason : This is a significant factual inaccuracy. The payment status can not be both " Late 120 Days '' and " Foreclosure '' simultaneously. This misrepresentation negatively impacts my creditworthiness and must be corrected per FCRA 1681i ( a ). 

3. Creditor Type Discrepancy XXXX XXXX XXXX : Reports " Miscellaneous Government '' XXXX : Reports " State '' Dispute Reason : The reporting of different creditor types across the bureaus is misleading. Under FCRA XXXX ( b ), only accurate and consistent data should be reported. Please correct this discrepancy. 

4. Last Payment Date Discrepancy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Reports " XX/XX/year> '' Dispute Reason : The last payment date must be uniform across all three bureaus. The inconsistency violates FCRA 1681s-2 ( a ), which requires furnishers to provide accurate data. 

5. Creditor Remarks Discrepancy XXXX : Reports " Foreclosure redeemed '' XXXX : Reports " Credit grantor reclaimed collateral to settle defaulted mortgage. '' XXXX : Reports " Real Estate Mortgage '' Dispute Reason : The explanation regarding foreclosure should be clear and consistent across all bureaus. These conflicting statements cause confusion and require immediate correction per FCRA 1681i. 

6. Account Type Discrepancy XXXX XXXX XXXX : Reports " FHA real estate mortgage '' XXXX : Reports " Real estate mortgage '' Dispute Reason : The account type should be consistently reported. This inconsistency could mislead potential creditors and should be corrected under FCRA 1681e ( b ). 

Given these discrepancies, I demand : A thorough investigation into these inaccuracies. 

Immediate correction or deletion of all incorrect information.

A corrected copy of my credit report upon completion of your investigation.

Notification of corrections to any party that has accessed my report within the last six months ( per FCRA 1681i ( d ) ).

If the disputed information can not be verified, I expect it to be removed from my credit report under FCRA 1681i ( a ) ( 5 ). Please provide me with a written response within 30 days as required by law. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I opened a checking account with Citi on XX/XX/24. I made a total of two, maybe three transactions before my online access was blocked. I contacted Citi to lift the block on my account on XX/XX/24. They told me that because of " suspicious activity '', my checking account will be closed. Citi did not tell me why my account was to be closed. They said the closure process takes between XXXX to XXXX business days. They also said I will receive a check for the funds soon after that date. The waiting period ended on XX/XX/24. I have not received a check, so I called on XX/XX/24 to ask for a status update. They said my account closure process has not completed and to call back in 7 to 10 business days. I called again on XX/XX/24. They again said the account closure process has still not completed. The representative emailed an account specialist to expedite the closure and to call back in 24-48 hours. They told me I have the option of going to a branch and asking for the funds. However, there is no branch in my state, so that is not realistic. I still have not received a check, so I called back on XX/XX/24. They told me that my account is STILL not closed. It's been way passed the time they gave me to receive my check, but they still haven't released my funds.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a charge-off account from XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX on my credit report, and to request its removal due to multiple inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is misusing my credit information. He works for Experian he is not allowing me to speak with a manager. He is refusing to allow me to speak with the manager. He is providing my information to third parties.
Product: Credit reporting or other personal consumer reports

Company : XXXX XXXX Product/Service : Personal Installment Loan Issue : Debt collection, Credit reporting Details : I am writing to submit a complaint against XXXX XXXX for their inaccurate credit reporting and debt collection practices. Despite my previous disputes and requests for validation, XXXX XXXX  has failed to provide adequate evidence to support the debt. 

XXXX XXXX XXXX response on XXXX XXXX, 2024, failed to address my concerns and provided contradictory information. They claimed to have investigated the matter, but their investigation was inadequate. They failed to provide any evidence to support the debt, and their response raised new questions about the ownership and status of the loan. 

I dispute the debt reported by XXXX XXXX to the credit bureaus, as I do not owe this debt. XXXX XXXX has failed to investigate my dispute and has continued to report inaccurate information to the credit bureaus. I request that the CFPB take immediate action to : - Investigate XXXX XXXX 's credit reporting and debt collection practices- Require XXXX XXXX to correct the inaccurate information reported to the credit bureaus - Hold XXXX XXXX accountable for any violations of federal law Additional information : - Account Number : unknown - State : XXXX  Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Peoples Finance XXXX SC has repeatedly called my home phone XXXX. My husband passed XX/XX/2016. XXXX. The collectors called me everyday sometimes XXXX times a day. I had to remove the phone from the room. The phone needed to be charged but I could not get it charged because of their calls starting at XXXX til XXXX. These people were named XXXX, XXXX and XXXX. They did follow me around town and stalked me in stores when my family was out and about. I knew it was them because the SC license plates. They called until my husband passed and had no sympathy when they called and I told them he passed. XXXX XXXX is working on some credit issues I have and I have already inform them as well. I wish they were more sympathetic because I owe them XXXX dollars.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on ( XX/XX/XXXX ). According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in XXXX : XXXX  # XXXX XX/XX/XXXX XXXX  XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XX/XX/XXXX. 
XXXX XXXX  XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 
XXXX - XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over15 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Checking or savings account

Hello, I hope you're doing well. I'd like to briefly explain my situation. 

I recently received a promotional email from Wells Fargo, which led me to enroll in their program. 

I went to their branch at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, to open a savings account. During my visit, Wells Fargo employee XXXX XXXX made an error while setting up the account. ( How Wells Fargo describes the situation ) Subsequently, I began receiving letters about money laundering. I visited various Wells Fargo branches to resolve this issue, but despite assurances from branch managers that everything was sorted, I continued receiving these concerning letters. I sent three complaints to XXXX and XXXX, but the responses seemed automated and unhelpful. 

After six visits to Wells Fargo offices, I decided to close my savings account. Both managers ( from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) assured me the matter was resolved. 

However, I recently received another notice from Wells Fargo. I believe I am being unfairly targeted because of my XXXX  nationality. I have lived in the XXXX since XXXX, have never left the country, and have earned all my money legally here. I pay taxes to the XXXX government and am not responsible for the actions of the XXXX  government. 

This will be my seventh visit to a Wells Fargo office and my fourth complaint. Please investigate this matter. 

Warm regards, and thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit reports following investigations, I noticed that Experian 's report does not match the investigation results from XXXX and XXXX. The other two consumer agencies removed all incorrect information from my report. Attached you will find the investigation results from XXXX. Under law my reports should reflect all accurate information, and the consumer reporting agencies have to assure that my reports reflect maximum accuracy in order to furnish to my personal and confidential file. Experian did not do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called theXX/XX/XXXX/Experian after I purchased a credit report with Experian on XX/XX/2023 and XX/XX/XXXX on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an Account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/2023. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that thisXX/XX/XXXXXXXX Late payment 30 days late will be removed.
Product: Credit card

New Information Re : Discover Card trying to falsely collect on alleged debt due to a lost card. They continue to knowingly and falsely publish debt that 's not owed which is damaging my credit. I provided the information I have but, they have not reciprocated since this is all alleged and not mine, they have failed repeatedly, will not provide any supporting information. I have tapes. Tapes will show Discover is in violation of Federal laws.