23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is so annoying & frustrating. Ive sent TRANSUNION multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Transunion 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : 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 reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$34000.00} XXXXXXXX XXXX XXXX  Balance Owed : {$34000.00} XXXX XXXX Balance Owed : {$1700.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX, XXXX & XXXXXXXX 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 60 days 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, 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 XXXX
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 confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX & XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX, XXXX Account number : XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

Re : Complaint filed against XXXX XXXX XXXX on XX/XX/XXXX CFPB Complaint ID : XXXX XXXX XXXX XXXX ID XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Original Acct XXXX # : XXXX As it pertains to my CFPB complaint filed on XX/XX/XXXX with a Debt Validation letter to XXXX XXXX XXXX they are in violation of the law by not responding to the Debt Validation within a 30 day period pursuant to 15 U.S. Code 1681i - PROCEDURE IN CASE OF DISPUTED ACCURACY. As a result of this violation consumer reporting agencies must abide by the law and promptly DELETE this unverified and negative item from my credit file. SEE LAW ATTACHED and below.

15 U.S. Code 1681- Procedure in Case of Disputed Accuracy ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or DELETE the item from the file in accordance with paragraph ( 5 ), before the end of 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( AGENCY is the CFPB in this matter ) ( 5 ) Treatment of inaccurate or unverifiable information - SEE LAW ATTACHED and below ( 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 ( i ) 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.

NOTE : 1. The CFPB sent a notice to XXXX XXXX XXXX on XX/XX/XXXX that their response time is Past Due - SEE ATTACHED On XX/XX/XXXX I called XXXX XXXX XXXX to inform them this is not my debt and asked them to respond in writing to my complaint through the CFPB, they asked for my email address, rushed me off the phone and sent a settlement offer for a debt that isn't mine - SEE ATTACHED.
Product: Credit reporting

This dispute is against Equifax. When trying to refinance my mortgage I discovered I have no credit files, no credit score and my date of birth was changed from XX/XX/XXXX too XX/XX/XXXX. I immediately put a fraud alert on my credit files. Equifax has done nothing to correct these issues. They only corrected my date of birth. This would seem to be an easy fix but it has been a nightmare. Equifax needs to correct this now as I can not refinance my high interest rates.
Product: Debt collection

Caine & weiner company is trying to collect a debt that i have no knowledge of i have never signed any contract with them nor any of there affiliates
Product: Credit reporting or other personal consumer reports

Good afternoon. I am writing to dispute two collections listed on my credit report, which I believe to be incorrect. The collections with the numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Bank account or service

Hello, I currently have a savings account open with Wells Fargo and reached out to them a few days ago regarding a credit transaction to my account ( direct deposit ) that occurred on XXXX. I do not recognize this transaction, I am unaware and unsure of where this money is coming from but it is NOT mine and need to close off this account effective immediately, however Wells Fargo said they would leave the account open until they finished an investigation as to where this money is coming from. 

This is the transaction : XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX, XXXX {$97.00} I have checked my account once more today to see if the funds have been debited once more and they are not only still there, but also I have received yet ANOTHER credit to my account from the same source, listed below : XXXX/XXXX/16 XXXX XXXX XXXX {$130.00} I have tried reaching out to Wells Fargo, numerous times today unsuccesfully. Their customer service support line keeps dropping me despite their service saying it is 24 hours a day 7 days a week. 

These deposits are NOT mine. I need to close off this savings account. I DO NOT RECOGNIZE THIS MONEY. I want it pulled out of my account and I need help with closing off this account.
Product: Credit reporting or other personal consumer reports

Can not access. Equifax or XXXX credit reports as there are loans in auto, credit cards and store credit cards and accounts opened in my name and social security number that are not mine. Can not freeze because of this and I have been denied any major credit since XXXX when I have personally applied yet someone else is opening accounts in my name since XXXX and as recently as XX/XX/XXXX.
Product: Debt collection

Yourrecords show that account number XXXX has a balance of {$350.00}, this account is fraudulent and I am requesting you to remove this from my credit file I did not authorize this account to be furnished on my credit file. I need an investigation by your fraud department and get this account removed from reporting on my credit file. I did not sign any documents to authorize this account I also did not authorize this company to furnish this collection account on my credit file
Product: Mortgage

In XXXX of 2022 we used a service called " XXXX '' who referred us to Rocket Mortgage to lock into a 30 year mortgage rate at 4.62 %. This mortgage was for a home that we were building, and we locked into close in XXXX of 2022. We were pre-approved for this loan, and as the closing date came near, we abided by all of the terms of the loan and did everything XXXX XXXX Rocket Mortgage asked us to do. However, interest rates rose over that time period, and we have evidence to show that Rocket Mortgage used a fraudulent appraisal to avoid honoring the loan, which was locked in at a below market rate since rates rose during the time we were waiting for our home to be built. 

The reasons that we know that the appraisal was fraudulent were : 1 ) they appraised our house at a lower value than a smaller home on our same street and in our same plan XXXX ) they refused to accept comparable properties which would have increased our appraisal value XXXX ) even though Rocket Mortgage suggested on their own website getting a second appraisal when the first appraisal comes in below the sales price, Rocket Mortgage refused to accept a second appraisal that was done by an appraiser that our family had not affiliations with XXXX ) they refused to correct inaccuracies on the appraisal when we disputed them using the Rocket Mortgage form. 

We know that Rocket Mortgage did this to other consumers, because our rep from XXXX told us he was working with other families that were in the same situation, they had locked in at a low rate and now then appraisals came back far under the sale value. This forced many families like us to come up with tens of thousands of dollars in addition to the planned closing costs, or lose our below market rate and go with another lender. 

Our family went with another lender who appraised our home at $ XXXX compared to XXXX 's appraisal at {$390.00}, but offered us a rate much higher rate of 6.25 % since rates had gone up. This is costing our family $ XXXX if nothing is done. We feel the evidence we are attaching show this is clear fraud and we would like CFPB to investigate and take corrective action to help us and the other families that were victim to this fraud.
Product: Vehicle loan or lease

I filed a complaint with CF PB (   XXXX   ) that SunTrust reported my car loan payment -- for a car that was totaled and to be payed in full by insurers -- was 30-days late. The loan was paid in full by the insurers but late due to SunTrust 's negligence in responding to the insurer s ' requests for payment methods. Both  XXXX   XXXX  and  XXXX  attempted to conta ct SunTrust on  my behalf numerous times however SunTrust did not return many of those calls. Even so, it was NOT 30-DAYS LATE. My credit report lists a 30-day delinquency for the amount of {$0.00}.     SunTrust 's final response to my complaint did not even address my complaint. SunTrust made no reasonable investigation or explanation into the erroneous and damaging 30 day delinquent reporting of  XXXX  dollars due that SunTrust made to credit bureaus on  XX/XX/2017   .     More alarmingly, SunTrust 's inclusion in their final response information regarding my unrelated loan with SunTrust only demonstrates SunTrusts accounting and reporting systems lack of accuracy and reliability. Their letter is dated  XX/XX/17    and states that as of that date the unrelated account was delinquent. This account had been re-written at the time that was done on  XX/XX/2017   , and a SunTrust representative set up the electronic check payment for {$480.00}. On  XX/XX/2017   , the payment cleared my bank. SunTrust 's assertion that on  XX/XX/17   , the date SunTrust issued their final response, that SunTrust had not received payment for that account is provably in error.     Given the fact that SunTrust 's system provided their representatives with incorrect information for my account, it seems obvious that SunTrust 's system can not be relied upon for correctly reporting delinquencies to credit agencies in general, or specifically for information regarding any of my accounts, nor most specifically for the actual account against which my complaint was made.     I hereby re-open my complaint.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Around XXXX, XXXX I opened a dispute with Bank Credit.Ai in regard several payment came out of my account without my authorization. Acct # : XXXX Transaction Description : : ACH debits by XXXX XXXX Date Error Reported : XX/XX/XXXX Claim Amount : {$320.00} Date Transaction Posted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Cred.ai treated this dispute as an error being reported when in fact was an unauthorized used of my Card and/or Bank account XXXX On XX/XX/XXXX they denied the claim based on the statement " We have completed our investigation, and we have determined that no error occurred. As a result, we have closed your dispute claim. '' That same day I requested all documentation involving the decision to close this claim against me. It took them until XX/XX/XXXX to send the requested documents. Just ONE. This document will be attached as well. Document refers to someones notation for the account " assuming '' the transaction are correct and no investigation was performed, at ALL. Someone decided to close the claim stating she/he believe this transactions are correct because I did not reported them when they wanted me to report them and missed, I don't know how many opportunities, of phone calls. A direct violation of of Bank practice and state and federal law. 

As stated before, It was brought to my attention theres no documents available for me to review other than internal hearsay notations and someones assumption after looking to my account phone calls history that has nothing to do with the fraudulent charges. 

On XX/XX/XXXX I emailed them back to reopen the case and start an investigation. 4 months later still haven't heard from this Bank and case still closed without remediation and returned of disputed ( fraudulent ) funds back to my account. 

I stopped direct deposit to this account right away. I will not be using this account in daily basis as I did before. I will be submitting complaints to all State and Federal organization about this Bank. Now, let 's go over their responses they used to deny my claim. 

First assumption to deny my claim. I made several phone calls after 1st transaction in dispute had been posted on my account. When I call Customer Service is about an specific topic and/or issue can not and does not constitute sufficient evidence I should've been aware of any other transaction aside from what I was calling for, therefore, investigation team, can not use this statement to conclude I could've or should've seen the payment at that time. 

Assumption number two to deny my claim, they're repaeating themselves about phone calls I had made to customer service and not seeing the transaction and reporting it. That's exactly what happened, I did not see this payments coming through. 

Assumption number three, The transactions I was calling for was, in fact, different from the payment is being disputed. For the 3rd time, again, they repeated themselves.
Product: Consumer Loan

In XX/XX/XXXX, I agreed to co-sign for my son 's USAA Consumer Lending auto loan. My son, being in XXXX and myself in XXXX XXXX he was apparently allowed to e-sign for me but I did receive a call from USAA to secure my identity and ensure my consent as co-signer. 
In XXXX, USAA consumer lending allowed my son to refinance this loan without my knowledge or consent. I was unaware of this for several months and have made numerous attempts to have myself removed from this loan without success to include a letter from my attorney on XX/XX/XXXX requesting proof pursuant to the ESIGN and XXXX acts as well as state law. I confirmed this letter was on file on XX/XX/XXXX and was being investigated by the consumer lending fraud department to whom I 've never been able to speak and been dropped from the call to consumer lending after being on hold for lengthy periods. Recently I 've discovered that there is no consumer lending fraud department, just a fraud department. I 've been given several reasons USAA consumer lending department insist I 'm co-signer on the loan legitimately such as : We sent you an e-mail and you did n't reply with objections, you agreed to do business electronically and receive documents electronically. Your son gave us the last XXXX digits of your SSN ( further questioning of requirements in this phone conversation, USAA consumer lending said I had to be in the same room where my son e-signed. I was in XXXX and he was in XXXX. 
I the mean time I 've received derogatory information on my credit report and a threatening letter from USAA. I have been with USAA for almost 30 years and always received fair and respectful treatment, until now. Only the consumer lending department, quite a few representatives, have lied or misinformed me.
Product: Checking or savings account

Installed the dave app but uninstalled it as soon as I seen it wasn't free, now they are debiting my account every month and refuse to stop. I have never received a product or service fron them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account has violated my rights 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 15 U.S.C 1681 section 2 602 A states I have the right to privacy.

15 U.S.C 1681 section 2 it also states a consumer reporting instructions