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

Since XX/XX/year>, I noticed several inaccuracies on my credit report. I sent letters to XXXX, TransUnion, and XXXX detailing the information I believed was incorrect and requested that they correct the errors and provide me with an update once the changes were made. In compliance with the Fair Credit Reporting Act ( FCRA ), which mandates a 30-day response period under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I allowed 30 days, plus an additional 15 days for mailing, for their investigation and response. 

However, I did not see any updates on my credit report. Later, I received a letter from TransUnion requesting that I confirm my identity by sending personal documents, which I promptly provided. From the other bureaus, I received no response at all, a clear violation of their obligation to investigate disputes and respond under the FCRA. 

I sent a follow-up letter to all three bureaus, informing them that since they had not responded, they were required under 15 U.S.C. 1681i ( a ) ( 5 ) to delete the inaccurate information. Additionally, I requested that if they had verified the disputed items, they provide me with the documentation they used to validate the information. Once again, I received no response, which constitutes another breach of the FCRA 's requirements. 

This process has been extremely stressful, as the inaccurate reporting has negatively impacted my ability to build business credit. The failure of the credit bureaus to act on my dispute within the legally mandated time frame has now exceeded 60 days since my initial request. In my final letter, sent in XXXX, I stated that I would escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) if I did not receive a response. Despite this warning, I have still received no communication or resolution. 

The credit bureaus ' noncompliance with 15 U.S.C. 1681i has left me no choice but to take matters into my own hands. I am prepared to escalate this issue further, including filing a formal complaint with the CFPB and exploring legal action, as permitted under 15 U.S.C. 1681n and 1681o, for their willful or negligent noncompliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company did not provide a complete response to complaint XXXX nor all the complaints listed under XXXX. Some examples but not complete is how will my credit be protected in the future when Equifax is only paying for protection for 1 year? 
Why are they not paying for the cost of freezes for life and at the other credit bureaus? Please review all disputes listed in XXXX and provide specific answers to all questions. 
The solution is Equifax should pay for credit freezes at all credit bureaus for life of person. Please explain why not the best solution and again please be specific after reading all complaints.
Product: Checking or savings account

Debit Card declined 5 times multiple phone calls talking to three Wells Fargo agents, and one of their fraud agents and none of them could solve the problem. Despite admitting they could see I had plenty of money in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to violate my rights. After disputing items they continue to appear on my credit report with new dates. These negative items have prevented me from owning a home as well as resulted in higher interest rates on my vehicle and credit cards. 

After having open disputes, the account remarks on my credit report do not reflect the disputes. This is a violation of federal regulation for each account. Also, accounts that were in charge-off status for over 7 years ( some over 10 years ) continue to be reported on my credit report. These are also violations of of my rights and federal regulation. 

I have found 32 instances of such violations appearing on my credit report.
Product: Credit card

For years I had a XXXXXXXX XXXX XXXX for XXXX XXXX, the payments were by auto pay. Starting in XXXX through XXXX I was on several cruises in a row. My mail is held during this time. On arriving back home I discovered that XXXX had sold account to Wells fargo card. The transfer took place XXXX, by this time the acct. was reported as 30 days late. I have had Wells fargo for almost 30 yrs and have never been late on the several accts. and loans that I have had. My credit score went down XXXX points because of this. I explained this to Wells fargo and tried for 2 months with the help of a banker at my local Wells fargo branch to remedy this. On XXXX I received a call from XXXX XXXX from Wells fargo executive office stating that in XXXX my statement alerted me of this change. I pulled up both XXXX and XXXX. statements and nothing was mentioned pertaining to this. I am XXXX yrs old and have worked hard to maintain my good credit score and this is unacceptable.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed some fraudulent activity. Please remove these accounts from my report they are damaging my credibility and livelihood.please remove these accounts Immediately! I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ). 
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: Student loan

I feel as though I was pressured into signing up for a degree in a career that did not, and still does not need a degree to perform. I currently having to pay put {$29000.00} for a career that I could have done on the job training. I was not advised that this career did not need a degree. I don't see how a school is allowed to offer a program that should not be a program. My interest rates were not explained to me properly, so now every month the cost goes up. This school and lender target young, adults who otherwise can not afford to go to a University.
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 fixed as soon as possible. Thank you. 
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 reporting or other personal consumer reports

My account with this XXXX XXXXXXXX is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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 MONTHS REPORTING LATE 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 XXXX  days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit card or prepaid card

verybad experience i received my target redcard credit card everytime i want to place an online order it wont go through i will get an email cancelling my orders immediately saying technical issue when i call no one knows why their system keeps flagging my orders but if i use a different card it doesnt get canceled and ships
Product: Debt collection

It appears that my cell phone number XXXX was placed on a massive dialing system, where my cell phone was called starting at XXXX and calls would come through until XXXX. I received pre-recorded messages every single time. The messages were left on my voicemail XXXX a day. I never authorized this Law Office to call my CELL phone on a artifical dialing system and leave pre-recorded voicemail. This is a violation of The Telephone Consumer Protection Act. I tried to resolve this matter with this Law Office however however I have been hung up on and treated poorly.
Product: Mortgage

I'AM A 100 % XXXX VETERAN WHO HAS MY HOME LOAN SERVICED VIA THIS CORRUPT THIRD WORLD COMPANY CALLED BSI, I AM PAYING OFF THE LOAN AND GOING TO A HONEST AND ETHICAL XXXX XXXX AND BSI CONTINUES TO LIE, CHEAT AND COMMIT PERJURY ALONG WITH MONEY LAUNDERING AND TAX EVASION AND FRAUD
Product: Checking or savings account

My name is XXXX XXXX please add this to my complaint also XXXX CFPB because I am having issues to verify if {$150.00} XX/XX/year> Teller Cashed Check # XXXX was disputed as wrong amount it should be for {$20.00} not for {$150.00} and all the agents told me its wasnt dispute or they dont see a dispute and when they all dispute it and give me these numbers Reference number XXXX Reference number XXXX Reference number XXXX They also say this The research department will contact me in 10 business days please check to make sure it was disputed or dispute it for me and send me proof when it is dispute XXXX and contact me at XXXX etc
Product: Mortgage

This complaint is still unresolved. When my loan closed with XXXX XXXX XXXX, they collected 3 months of hazard insurance {$100.00} x 3 = {$310.00} and 4 months of Property Taxes {$530.00} x 4 = {$2100.00}. which would be a total of {$2400.00}. When I received the Notice of Servicing Transfer letter from you it indicated my escrow balance was {$1900.00} therefore, I am owed the difference of what was collected vs what the amount in the escrow account was as of XXXX, amount due to me is {$510.00}. ( See attached ). 
At the time of closing {$3200.00} was held to pay the 1st half taxes. When PHH Mortgage paid the 1st, half taxes they used the funds in the impound account. The Settlement Statement that I previously provided is attached. I have been in contact with XXXX XXXX XXXX and they have indicated that sent all the funds that were held in the closing of my loan to PHH Mortgage.
Product: Mortgage

I have made 24 payments totaling around {$74000.00} since XX/XX/XXXX and my principle continues to go up. Attempts to contact company have been unsuccessful. I have bank transactions for every payment. Current principle is {$430000.00} for a loan on a house that was purchased on XX/XX/XXXX for {$420000.00}. 17 years of payments and my principle is now higher than purchase price less down payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALDOUS, Account # XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Additionally, I exercise my right to opt out of any and all authorization I, the federally PROTECTED consumer, may have given ALDOUS whether it be written, unwritten, verbal and nonverbal, pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Product: Credit reporting or other personal consumer reports

The accused company refuses to provide me with a document of permissible purpose per 15 U.S.C. 1681b ( 2 ), as well as a Form 1099-C for a cancellation of debt to a charged off account. M & T Bank have been purchasing my consumer report from XXXX XXXX Consumer Reporting Agency ) and knowingly as well as illegally per 15 U.S.C. 1681 ( n ) ( o ) been reporting false and inaccurate information on my credit consumer report. M & T has never offered any manner or form of credit to be posting charged off accounts to XXXX. A ( CRA ) that I also did not give explicit permissible purpose to XXXX to furnish or sell my report, or information The IRS considers a charge off as INCOME, a 1099-C shouldve been issued to me for charging off a debit checking account. The accused bank ( Manufacturers & Traders Trust Company ) have constantly been blowing me off, and constantly challenging me and my knowledge. Ive attempted and instructed XXXX XXXX XXXX Bank numerous times to provide me with proof of permissible purpose. I was told its legal documentation and it can not be provided. I was told it would take XXXX days to obtain a copy. Quite frankly they do not have it, and still think they can fool me. M & T Bank have claimed theyre aware and wants to assure me they comply with all applicable fair banking laws, rules, and regulations. 12 CFR Part 1022 states that M & T Bank is a user of consumer reports and MUST obtain permissible purpose by the consumer. Reluctantly, they know and are aware of all FCRA Rules and Regulations, but refuses to comply. A blatant violation of the FCRA and Federal Laws.

12 CFR Part of 1023 - Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX  'XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

am writing this letter to formally complain and seek to have my {$1500.00} plus the overdrawn charges of {$39.00} credited back to me the with utmost urgency, please mail us a check to our personal address : XXXX XXXX XXXX XXXX Va XXXX Our bills are piling up and they will not be paid, if no immediate action will be taken. There have been grievous and extremely unprofessional mishandling on our account ( XXXX ), I will list them for you and know that it will be reported to the Credit Financial Protection Bureau. I am one hundred percent certain that we are not the only family/account that had to endure this inconceivable errors that can devastatingly affect someone's finances ( utilities could have been cut off and we were ineligible to get a good rate to buy a vehicle and favorable discounts to purchase cellular phone because of these errors because our credit score went down 100 points ).

Below this email, you will see a thread explaining that mortgage payment to Freedom Mortgage has been set up through our bank XXXX XXXX XXXX XXXX. I started receiving numerous calls stating that we have not paid our mortgage for the month of XX/XX/XXXX, with the past history that we had with your company we decided to go ahead and cancel the automatic bill pay through our bank on XX/XX/XXXX and just pay you directly and even adhere to your monthly payment system through your company website. 

1 ) Since Freedom Mortgage did not receive payment from XXXX XXXX  XXXX XXXX which was set up to be mailed at the XXXX- postal ; we decided to be earnest in paying our mortgage and mail in a personal check in the amount of {$3000.00} and although it was clearly stated under the memo line that its for the month of XX/XX/XXXX & XX/XX/XXXXpayment 2 ) the funds were not applied to the supposedly behind mortgage, we still kept getting calls and asking us to pay our mortgage. I had to call and and clear that out again and the check was placed in escrow. 3 ) Then, trying to adhere to your website automatic payment and assuming that checks that was paid by XXXX never reached your office, we set up the automatic monthly payment through your website. Unknowingly, Freedom Mortgage then encashed the check # XXXX and applied it for the month of XX/XX/XXXX. Because of this, we got overdrawn on our accounts and it had a rippling effect on our finances as that {$1500.00} was allocated for something else. We were receiving calls incessantly when apparently Freedom Mortgage had our checks, just never encashed at the right time therefore, causing financial chaos to us. 
4 ) Freedom Mortgage kept sending us mortgage notification at the wrong address that caused non receipt of mortgage payment, although payment was being mailed or sent ( 2018 ) when it was clearly stated the mailing address is different from the property address. 

These errors may be trivial to your company, but money is at stake and average working people like us rely on every penny not to mention that numerous hours spent collecting proofs, calling and writing letters and going to our banks to understand the error. It almost seem like a full time job trying to keep watch of our mortgage.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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
Product: Student loan

Please refer to a previous case number that was closed and should not have been : XXXX. 
I am attaching more files for reference : Email sent to Navient on XX/XX/XXXX however the dispute had been closed and should not have been. 
I was told over the phone on XX/XX/XXXX, that as part of a forbearance Navient would show the account as current and Navient would remove any negative reporting. Based on the information provided by Navient and its representative, I agreed to the forbearance. 

34 CFR 682.211 ( c ) allows lenders and borrowers to agree orally to a forbearance as follows : " Except as provided in paragraph ( d ) ( 2 ) of this section, a lender may grant forbearance for a period of up to one year at a time if both the borrower or endorser and an authorized official of the lender agree to the terms of the forbearance. If the borrower or endorser requests the forbearance orally and the lender and the borrower or endorser agree to the terms of the forbearance orally, the lender must notify the borrower or endorser of the terms within 30 days of that agreement. '' In this case, the terms of the agreement were stated in the XXXX XXXX, XXXX telephone call. The call was recorded. I have requested a copy of the recording on multiple occasions, both in writing and over the phone. Navient has refused to provide the recording which states the terms of the forbearance agreed to. Additionally, on XXXX XXXX, XXXX I requested ( via email ) a copy of Navient 's policy regarding releasing phone recordings. See attached. Navient has refused to fulfill my request. Because Navient has failed and refused to produce the oral forbearance agreement, Navient has not addressed my complaint. 

In addition, Navient NEVER sent me the letters dated from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX which purport to put me on notice concerning the loan status. When I log in to my Navient account, it shows all the correspondence that Navient has sent me. See attached. Those letter are not showing in my inbox, and I NEVER received any of those letters in the mail. Since the letters were never sent ( as is confirmed by their own website ), any required notice to me was defective. If Navient is generating these letters after the fact, they need to be investigated. Demand is hereby made for Navient to remove the negative information reported to the credit agencies pursuant to our oral agreement on XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3500.00}
Product: Credit card

I purchased a product from a vendor for about {$1300.00} The product was delivered not to my specs and was unuseable. I returned the product to the vendor and they fixed their mistakes. A couple of weeks later I looked at my credit card statement and the vendor had charged my credit card {$990.00} without my permission, without notifying me and without providing me a bill. 

I called the vendor to try to resolve with no success " they might work with me '' but I never received any further correspondence. 

I called the credit card company to put the charge in dispute, they did put the charge in dispute and removed it from my bill. Then about a month later I got a form letter in the mail from the credit card company saying they could not verify a billing error and they were reposting the charge to my account which they did. 

In my letter I specifically instructed the credit card company not to pay this charge. If the vendor wants to come after me for the money then that 's between me and them. The credit card company is not the decision maker of where and how I spend my money and just because the vendor has my card number on file does n't give them the right to charge any amount they want, when they want.