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

I looked at my credit report, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. 

. And according to the fair credit reporting act 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 ( e ) ( b ).

They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate.

And according to 15 USC 1681i 5 they are supposed to do 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 ( 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. 

XX/XX/XXXX The furnisher name has violated my consumer rights according to WHAT THE LAW CLEARLY STATES : 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.

( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

Delete this inaccurate account from my credit report.
Product: Credit reporting or other personal consumer reports

This account ( XXXX XXXX  Account Number : XXXX ) was charged off on the following date : XX/XX/XXXX. Since then the date of last activity has been inconsistently updated. On XXXX the date last active is XX/XX/XXXX and on Transunion its XX/XX/XXXX. If the information is coming from the original creditor the dates should be the same. We can not say that these are XXXX  % accurate so it is deemed INACCURATE. Please delete these accounts from my report.
Product: Checking or savings account

I got {$10.00} direct deposit from XXXX XXXX which paid me {$200.00} promotion so that can be seen as employer direct deposit meeting employment direct deposit requirements I got a XXXX deposit, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XXXX cent, XXXX deposit deposit, so I should get Chase XXXX direct deposit you offered Please give me the XXXX deposit Chase promised Chase is doing source of income discrimination Privacy violated-Privacy Act of 1974-Chase using bank accounts to keep track of employers and paychecks Bundling violation of monopoly law-give bank accounts and direct deposit requirement thank you very much, XXXX XXXX XXXX BA, BS XXXX AA XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX
Product: Debt collection

1. ProCollect Inc refused to reveal the contact details of the creditors thereby shielding me from challenging the improper business process of forwarding a debt to a debt collector without giving me the opportunity to know about the debt and to address it.

2. ProCollect Inc in enforcing a debt notice to a debtor without prior information to the debtor by a creditor is in violation of Texas Deceptive Trade Practices/Consumer Protection Act and Texas Debt Collection Act.

3. ProCollect Inc persistently contemptuously ignores the ruling of Justice XXXX XXXX on XX/XX/2017 which shows that the creditor vacated the debt in the creditors appeal to the court, and hence, the court ruling nullifying the debt.

4. ProCollect Inc refused to remove the debt from the credit records and rental history of XXXX, XXXX  and XXXX, XXXX thereby denying our family the ability to rent a new accommodation.

5. ProCollect Inc continues to cause psychological harm and damage to the growth of our child because we do not have a proper accommodation for her upbringing.

6. ProCollect Inc continues to cause damage to the reputation of XXXX, XXXX  and XXXX, XXXX  by refusing to remove the debt from our credit histories.
Product: Bank account or service

I have a savings and checking account with Wells Fargo. Over the course of 2 to 3 years I have paid my XXXX XXXX statement with my debit card from said bank. 

When I pay the $ XXXX amount, that is withdrawn from my bank and my checking account balance reflects this. One or two days will pass and the $ XXXX will appear back in my account, but not as a deposit. Instead, it will appear as if the money was never withdrawn in the first place. This shows an inaccurate balance on my checking account and thus leads to overdraft fees. This would not normally be an issue, but the amount in question will not show as cleared on the final date days later ; it will actually show as if it cleared the very first day. 

During the most recent instance, Wells Fargo Bank has charged XXXX overdraft fees of {$35.00} each for a total of {$70.00}. These fees were not for debit card transactions, but rather for transfers within my own account.
Product: Credit reporting or other personal consumer reports

Please remove inaccurate personal information/addresses listed on the credit report. 

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 - Please Remove Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXXXXXX XXXX {$1900.00} XXXX XXXX XXXXXXXX BALANCE {$560.00} XXXX XXXX XXXXXXXX BALANCE {$0.00} XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have been trying to make a payment since XX/XX/2022 for my Victoria Secret Credit Card, it keeps giving me the same message that they are conducting a planned update and they are unable to let customers sign in to their accounts and make payments for days now, it is XX/XX/2022 and I have not been able to make any payments even though my payment was due yesterday, I do not want this to be reported on my credit. I have also been trying to call them and no one will answer
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding an items listed on my credit report. I have thoroughly reviewed my records, and I firmly believe these items have been inaccurately reported, which is adversely affecting my credit standing. Despite my previous letters I sent, these fraudulent items still exist in my report. This discrepancy raises concerns about the accuracy and validity of these reported items. Here are the items I would like to be deleted : 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: Mortgage

Made several attempts to make a lone Modification and was turned down and had to sale my home at XXXX and had to relocate my family.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Navy Federal Credit Union XXXX XXXX XXXX XXXX, VA XXXX Re : Dispute of Late Payment Inquiries on Credit Report for Accounts with Navy Federal Credit Union Dear Navy Federal Credit Union Representative , I am reaching out to address a matter of significant concern regarding inaccuracies on my credit report, specifically relating to late payment inquiries associated with the following accounts under Navy Federal Credit Union : NAVY FEDERAL CR UNION ( Account Number : XXXX ) NAVY FEDERAL CREDIT ( Account Number : XXXX ) NAVY FEDERAL CREDIT ( Account Number : XXXX ) These inaccuracies have unjustly impacted my credit score, and I am compelled to request their immediate rectification in accordance with federal regulations. 

Upon reviewing my credit report, I identified late payment inquiries that are erroneously reported. These inaccuracies stem from incorrect reporting of payment status. Consequently, I urge you to expeditiously remove these inaccuracies from my credit report to rectify the harm inflicted on my financial reputation.

The Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq., empowers consumers to dispute any inaccuracies on their credit reports. Under the FCRA, both credit reporting agencies ( CRAs ) and furnishers of information, such as your entity, are mandated to ensure the accuracy and completeness of all reported information ( 15 U.S.C. 1681e ( b ) ). Moreover, the FCRA obligates CRAs and information
furnishers to conduct a thorough investigation of disputes and to delete or correct any inaccuracies within a reasonable timeframe, not exceeding 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ). Non-compliance with these provisions may result in liability for damages, including attorney 's fees ( 15 U.S.C. 1681n ).

Additionally, the FCRA prohibits the reporting of outdated information. Specifically, it mandates the removal of any adverse information, including late payments, that predates the seven-year threshold, measured from the date of the initial delinquency ( 15 U.S.C. 1681c ( a ) ( 5 ) ). 

In light of the above, I formally request the immediate removal of the disputed late payment inquiries from my credit report. I also expect written confirmation of this removal within 10 days of your receipt of this letter. Failure to address this dispute promptly will compel me to take further action, including but not limited to, monitoring my credit report closely and seeking legal remedies as afforded by the FCRA. 

I appreciate your prompt attention to this matter and expect your cooperation in resolving this dispute in a manner that upholds the integrity of my credit report and complies with the FCRA. 

Sincerely, XXXX XXXX -- - Federal Statutes Cited : 15 U.S.C. 1681 et seq. ( Fair Credit Reporting Act ) 15 U.S.C. 1681e ( b ) ( Duty of furnishers of information to ensure accuracy and completeness ) 15 U.S.C. 1681i ( a ) ( 1 ) ( Procedure in case of disputed accuracy ) 15 U.S.C. 1681n ( Civil liability for willful noncompliance ) 15 U.S.C. 1681c ( a ) ( 5 ) ( Requirements relating to information contained in consumer reports )
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XX/XX/2022
Product: Bank account or service

I believe I was discriminated against while applying for a loan through Chase bank and they either lost or destroyed the loan documents in the process. Chase has elected to end my " Private Client '' relationship closing accounts that have been in my family for three generations. 

Chase 's decision to close multiple checking, savings, money market accounts, investment accounts, a Roth IRA, a Traditional IRA and any account with my name on it, including my adult children 's accounts, resulted in placing a " restriction '' barring access to all the funds, XXXX XXXX, 2016, without notice to me. 

As of today, XXXX XXXX, 2016, 42 days after the accounts have been closed, I still do n't have the money that was in them. 

I desperately seek your help and guidance, as I am highly concerned that without advocacy I may not receive the money in my accounts and the contents of a safe deposit box that was also closed. ( Their purported reason for drilling the lock and removing the box from the premises is based on the fallacious claim that I owed money. This was untrue, as it had in fact, been comped for years. ) Inexplicably and unbeknownst to me, they had already drilled the box months before they terminated the relationship. 

Chase made a decision, which I did not think they could make without my " voluntary '' consent, to also close all investment accounts. This is suspicious because for many months I 've made numerous requests to correct errors they made when establishing the accounts and alerted them of incomplete transfers of securities into those accounts, which were intentionally ignored. 

I have contacted the Chase Executive Office asking for their record of documents and I have not received anything related to the closing of the accounts and the closing of the safe deposit box. They only say, " Chase has the right to end the relationship without cause or reason. '' Further, I have not received any of the funds from the closed accounts or been given access to the contents of the safe deposit box. 

It is shocking to me that institutionally a bank has the power to do such damage to individuals and can insulate themselves from recourse because as I have been told, until I " lawyer up '', they are n't going to pay attention to me. 

A retired bankruptcy attorney and friend told me about this agency created by XXXX XXXX and the incredible work that has been done. Upon hearing my story over the weekend, he suggested contacting you. 

Thank you very much for your attention to this and please contact me as soon as possible.
Product: Debt collection

[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Phone Number ] [ Todays Date ] Experian [ Experian 's Address ] [ City, State, Zip Code ] Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding the information contained in my credit report maintained by Experian. It has come to my attention that there is a collection account listed on my report, which appears to have been furnished by XXXX XXXX XXXX XXXX. However, upon careful review, I have determined that this entry may be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). 

I wish to emphasize that I have not engaged in any business dealings with XXXX XXXX XXXX XXXX, nor have I provided consent for any other entity to transfer any purported debt to them. As a consumer protected by the FCRA, I am entitled to accurate and verifiable information on my credit reports. 

Therefore, I kindly request that Experian conduct a thorough investigation into the validity of the collection account in question. I ask that you request documentation from XXXX XXXX XXXX XXXX demonstrating the existence of any contractual agreements between us and the legal basis for the collection activity. 

Furthermore, I have not received any prior correspondence from XXXX XXXX XXXX XXXX regarding this alleged debt. Without proper notification, I am unable to address any outstanding obligations. Therefore, I request that you suspend reporting this account until the validity of the debt can be adequately verified. 

In light of the circumstances, I respectfully request that Experian remove the disputed collection account from my credit report. Its presence is adversely affecting my creditworthiness, and its removal is necessary to ensure the fair and accurate reporting of my credit history. 

I appreciate your prompt attention to this matter and kindly ask that you provide a written response within 30 days, as required by the FCRA. Failure to do so may result in further action being taken to safeguard my rights under the law. 

Thank you for your cooperation and assistance in resolving this issue.
Product: Mortgage

I called the company on the morning of XX/XX/XXXX to request a payoff. The representative I spoke to, told me Id receive the payoff in about XXXX hours. On XX/XX/XXXX, the company stated that my payoff would actually take XXXX business days because it was a commercial deal. My loan is a conventional loan that was sold to Shell Point Mortgage. I needed this payoff to finalize a real estate transaction and I explained to them that the buyer would be left homeless and Im also paying almost {$300.00} in interest every day in various different credit lines. Shell point mortgage I am only paying about {$80.00} of the {$300.00}. Its XX/XX/XXXX and I have not received my payoff. I now have to pay the buyer money so that they can stay at a hotel because Shell point is not sending my payoff in a reasonable time.
Product: Student loan

I submitted a CFPB complaint on XX/XX/XXXX, as FedLoan Servicing was not providing sufficient information about the status of my requested refund for payments made during the XXXX freeze. My original request to FedLoan Servicing accepted on XX/XX/XXXX was for my {$19000.00} in payments made between XX/XX/XXXX and XX/XX/XXXX to be refunded so that my loans would be reinstated and become eligible for {$10000.00} in debt relief/forgiveness under the Biden-XXXX Administration student debt relief plan. 

On XX/XX/XXXX, the XXXX XXXX XXXX XXXX ( " XXXX '' ) at the Pennsylvania Higher Education Assistance Agency ( " PHEAA '' ) responded to my CFPB complaint, saying : " XXXX performed a comprehensive review of your account. This investigation included the review of all relevant account history and documentation, including any information you provided to us. As you may know, PHEAA/FedLoan Servicing did not renew its federal loan servicing contract with the United States Department of Education XXXX XXXX of XXXX XXXX XXXX XXXX XXXX ), which means PHEAA is unable to process your refund request. Although your account is not active at this time, it will be transferred to another XXXX servicer. You will receive ( or should have received ) communications regarding this transfer. Your outstanding refund request will be sent to the new servicer, who will be able to assist you with your refund request, and if approved, will result in a reinstatement of your loan balance. '' On XX/XX/XXXX, following PHEAA 's CFPB response, I re-contacted FedLoan Servicing by phone as I had not received any communications regarding the transfer of my account to a new servicer ( as indicated by PHEAA in their CFPB response ). A supervisor at FedLoan Servicing confirmed that my account had not been closed/transferred and reassured me that FedLoan Servicing would be responsible for issuing the refund to me and reinstating the loans and that my account nor this process would be transferred to a new XXXX servicer. The supervisor told me this would occur in a minimum of 90 days but could not provide further guidance or timelines. 

Now I am in a position where PHEAA is providing conflicting information on the status of my account. I am left unsure if/when I will receive a refund and be able to proceed with the subsequent steps to apply for loan forgiveness from the Department of Education by the application deadline.
Product: Mortgage

We have had a fixed mortg age with Wells Fargo for years. We are paying 6.7 5 % interest and approximately {$2300.00} per month. My wife has been sick and totally  XXXX  since  XXXX . Our savings were wiped out in the  XXXX  financial crisis. We have approximately {$150000.00} dollars in equity in our home but hav e two liens for medical bills totally about {$20000.00}. We have been turned down for refinance 2-3 times by Wells Fargo because we are a bad credit risk, yet we have never missed a mortgage payment. If we were not being charged an extremely high rate we could be apply those funds to other bills and be in a much better position. This rate seems abusive and unfair. Seems as if Wells Fargo is intent on keeping us at this high rate until we are force to sell our home, which we do no t want to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act my rights have been violated by fair collections. 

15 U.S.C 1681 602 A. States I have the right to privacy 15 U.S.C 1681 604 A. Section 2 : It also XXXX consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be deleted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not request this company to run my credit. I have no knowledge of this credit inquiry that is reflecting on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  accounts numbers : * XXXX XXXX XXXX # XXXX *XXXX XXXX XXXX XXXX # XXXX *XXXX XXXX # 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.