23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Closed credit account for Continental Finance shows multiple payment reporting inaccuracies, per the FCRA all reporting must be accurate among all three bureaus. We have found the following discrepancies while reviewing our three bureau report. 

Account reported as 30 days late on XXXXXXXX XXXX XXXX on XXXX and XXXX, but not reported at all on XXXX. 

Account reported as 30 days late on in XX/XX/2022 on XXXX but reported as on time by XXXX and XXXX. 

The reporting is incorrect and violates my fair reporting protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have paid this account in full and it is reporting to the credit bureaus that no payments have ever been made on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for affirm loan and was denied due to limited credit score is incorrect reported to them by XXXX. 
When I applied I had a credit score more than XXXX which affirm claimed that was reported by XXXX.
Product: Checking or savings account

Hi, i use sofi banking as my bank and 7 months ago i have filed my taxes and got my refurnd from IRS. I was able to use the funds.

My cousin brother who stays in XXXX XXXX has filied his taxes and since he is on vacation he had provided the irs with my account number to recieve the tax returns once i recieved the tax income my account has been restriocted. and following that i have reached to the customer support more than XXXX times and they asked for any proof that he had mentioned my account for returns and i have submitted theb irs claim form where he has mentioned my account number they have verified and put my account under review it has been close to 6 months and it is still under review and i cant use my funds.

Since the account is frozen i was unable to recieve MY iRS state refund amount to the same account and i have reached the irs and they said that i have to check with bank.

So please help me to resolve this issue.

Thanks.
Product: Debt collection

I have a balance with XXXX XXXXXXXX XXXX. Some of the accrued balance is from XXXX XXXX therapy sessions. I was approved in 2020 for XXXX 's Fund from XXXX XXXX that provides me SIX FREE mental health sessions. Colorado XXXX XXXX was aware of this, but instead sent the claims to my insurance company which only covers a certain amount. When the sessions should not have ever went to my insurance company, they should have been billed directly to XXXX XXXX for XXXX 's Fund. I am not responsible for this cost but it was sent to collections. 

Not only this, but there are costs that are related to COVID in XXXXXXXX 2020 that are not my responsibility as Covid care should be free.
Product: Payday loan, title loan, or personal loan

I received a payoff balance earlier in the month that is good through the XXXX. 

I paid a large portion of the loan ( initial loan in full ) and planned to pay the balance tomorrow when I am paid. 

The loan isn't even due yet. 

I received a call to let me know I hadn't paid it in full and it was my responsibility, etc. 

I told her I was well aware of it, and that my payoff quote was good through the XXXX. I thanked her for wasting my time. 

She followed up with an email, copying in their collections department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report form Experian and noticed that there is an additional ss number and phone numbers that are not mine or associated with me.
Product: Debt collection

I received a notification that a collection account was listed on my credit reports by Capio Partners. As a result of that notification, I contacted Capio Partners and spoke with XXXX who advised that the debt was owed by me and the only thing they could provide was a copy of the statements. I explained that I never received treatment from this facility nor have I ever conducted business with the organization they purchased the account from. XXXX transferred me to XXXX ( XXXX XXXX ) who advised that because I am stating the services were not received by me, they are unable to provide any information regarding this account because I was not the patient. After threatening legal action, I was advised by XXXX that the information would be deleted as a courtesy from the credit bureaus within 30 days but may be sooner as they update weekly with the bureaus. XXXX advised that I am still obligated to the debt until I provide a police report. 

Blossom advised me to follow up with an email to XXXX and reference account number XXXX for any further inquiries. 

Complaint is being filed with the CFPB to document the incident.
Product: Mortgage

On XX/XX/2020 i agreed with the XXXX XXXX that they will reduce all my fees, charges to $ XXXX.They have taken into account this {$74.00} on XXXX Statement.I was sure that everything on XXXX statement will ok.But I am wrong.they gave a next fee of {$160.00}. 
I have no idea for what it is.After 3 months of peace they start again dirty games and try to ripp me off on {$1600.00}. 
This company is the bigest bull shiit in usa and never should be on the usa market.This is a shame that such XXXX company exsist,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I filed a despite with Experian due to the inaccuracies on my consumer report. 
I received my dispute results back on XX/XX/2022 only two accounts were removed but the others remained.

Experian has broken the law Pursuant to 15 usc 1681 ( a ) ( 1 ) the banking system is dependent upon my consumer report being fair and accurate. After taking a look at my consumer report. I realized that report was inaccurate, and this inaccurate report is unfair to me because i was never notified when this inaccurate information was furnished and i was never notified when during your company 's initial investigation that you were going to report this information Pursuant to 15 us 1681 ( a ) ( 1 ) This gave error has undermining my confidence in your company 's procedure and as a result of this I will no longer be extending credit and if this information is not removed, I no longer want my information reported in your companies database Pursuant to 15 usc 1681 ( a ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused and has ruined my reputation and it has adversely affected my credit worthiness Pursuant to 15 usc 1681 ( a ) ( 3 ) Your company assumed this role. You were not given express permission by me XXXX XXXX!!!! the consumer competent court jurisdiction so not only did you fail in the initial investigation of this information. Youve also assumed this information was valid which is a VIOLATION of my consumer rights. Pursuant to 15 usc 1681 ( a ) ( 4 ) You did not ensure that the information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached and this VIOLATED my rights to privacy. Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate. whether or not it factually took place can be categorized as a transaction that took place between the consumer and person making the report. Which means it should not be included in my consumer report and infract is a VIOLATION of my consumer rights. Pursuant to 15 usc 1681a ( d ) ( 2 ) ( iii ) In your initial investigation I ws never given the opportunity to deny this information being communicated on my consumer report. This is a infract another VIOLATION!! ( Please see form attached ) Due to your company 's negligence I am demanding each and everything in the attached letter. If each thing I am demanding can not be provided then you are to block and delete this inaccurate information
Product: Credit reporting or other personal consumer reports

I XXXX XXXX noticed so fraud accounts and authorized inquiries on my credit reports. 

Accounts XXXX. XXXX XXXX {$700.00} XXXX. XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX {$890.00} XXXX. XXXX XXXX  {$1200.00} XXXX. XXXX XXXX XXXX {$7000.00}
Product: Credit reporting or other personal consumer reports

To : XXXX XXXX XXXX XXXX : Request for Immediate Removal of XXXX Account Dear XXXX XXXX Department, I am writing to formally notify you regarding the deletion of a XXXX Bank charge off account from my XXXX credit report, which was originally disputed by me. The dispute investigation was concluded on XX/XX/year>, and XXXX has confirmed that the account was completely deleted from my XXXX credit file. 
As a result of this deletion, I believe this account is now considered unverifiable by XXXX, and I am requesting that you promptly remove this account from my credit report as well. I am entitled to accurate and complete information on my credit report, as outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that all information reported by a credit reporting agency must be accurate, timely, and verifiable.

Legal Rights : 1. FCRA Section 1681i : Under the FCRA, you are required to ensure that any information you report to credit bureaus is accurate and complete. If an account is found to be unverifiable, as in this case, it must be removed from the credit report.

2. FCRA Section 1681e ( b ) : You must maintain procedures to ensure the accuracy of the information you report. If an item is not verified or is inaccurate, it should be deleted or corrected within 30 days from the time of dispute. 
XXXX. Right to XXXX : If this account is not removed or corrected within 30 days of receipt of this notice, I reserve the right to take legal action under the FCRA, which could include filing a lawsuit for violations related to the failure to remove inaccurate or unverifiable information. This can result in claims for actual damages, punitive damages, and attorney fees. 
I expect that, in light of the XXXX deletion, you will proceed with removing this account from my credit report within 30 days of receiving this letter. Please confirm in writing when the account has been removed or provide any supporting documentation that indicates why the account has not been deleted. 
Failure to comply with the FCRA and resolve this matter in a timely manner will leave me no choice but to pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), and exercising my legal right to seek compensation. 
Thank you for your immediate attention to this matter. I expect a resolution within the legal timeframe, and I will be closely monitoring my credit reports for compliance.
Product: Debt collection

I disputed the account and requested debt validation and verification of all reporting details on my credit report. The company did not provide the appropriate documents to validate this debt or verify the reporting details such at the original agreement with my signature, the agreement between this company and the original creditor that shows this company has any legal right to collect this debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX XXXX XXXX XXXX Subject : Dispute of Civil Liability under XXXX XXXX. XXXX for Non-Compliance I am writing to formally dispute the claim of civil liability for non-compliance, as referenced in your communication dated [ insert date of claim ]. You have indicated that I may be in violation of XXXX XXXX. XXXX ( Fair Credit Reporting Act ), and I wish to address this claim with the following points : 1. **I Have Fully Complied with FCRA Reporting Obligations : ** - I have ensured that all information provided to the credit reporting agencies is accurate and up-to-date. Specifically, I have reviewed my credit report regularly and addressed any discrepancies immediately. As per the FCRA, I have made sure that all updates to my credit report have been handled in compliance with the required timelines. I have not knowingly or intentionally submitted inaccurate or misleading information.

2. **Lack of Proper Notice or Opportunity to Correct : ** - Under the FCRA, I understand that individuals must be notified when a potential negative item is being reported. However, I have not received any formal notification or a proper opportunity to correct any alleged error. If the dispute is related to inaccurate or outdated information, I have not been given a fair chance to resolve it within the statutory time frame. As required by the FCRA, I would have expected a 30-day period to respond to such notifications, which was not provided. 

3. **Potential Error or Misunderstanding Regarding Timeliness or Reporting Procedure : ** - There may have been a misunderstanding related to the reporting or update of certain information. I have made all necessary corrections in a timely manner, and I have corresponding documentation to support this. For example, I submitted an update request to the relevant credit reporting agency on [ insert date ], and I have confirmation of receipt from the agency, showing that my request was processed in compliance with the FCRA regulations. 

In light of the above points, I respectfully request that this claim of civil liability be thoroughly reviewed and dismissed, as I have acted in full compliance with the applicable sections of XXXX XXXX XXXX. I also request that any negative records associated with this claim be corrected or removed to reflect my adherence to the law. 

Please acknowledge receipt of this letter and provide me with a detailed written response outlining your findings and next steps. I am available to discuss this matter further if necessary and look forward to your prompt resolution of this dispute. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I started working with the Citizens Bank , NA sometime in Late XXXX, XXXX  or Early XX/XX/2022 for my new single family Construction loan. That time, the bank asked me about all documents which I submitted in time. The Bank representative sent me an email on XX/XX/2022 stating the Loan has been approved and sent to processing department. At that time the loan was finalized for $ XXXX at 4.125 % interest for 30 years loan. Not sure what happened behind the door, and the Bank representative didn't submit all the documents I provided to them in their system. After a month I found out that the Loan officer working on my loan is leaving the Citizens bank and new person is taking over. The new team at the Bank informed me that there are bunch of documents missing on my loan ( which I already submitted to the bank ) - I argued with them how come the loan was approved if the bank was missing my documents. Anyhow, I resubmitted those documents asked and every time they ask for piecemeal information I have been submitting those within 1 business day. Just last week, the Loan officer email me that he was able to get me 4 % interest rate if I do loan for XXXX XXXX XXXX with no points. I agreed to him same day. Now today, I found out the loan officer left the Company and the representative mentioned, they need my bank statements and all again since the report date from my earlier submitted documents have been expired. Also she mentioned the Rare may also change. This has been frustrating and mental trauma with the bank. It is not Customer 's problem if Bank losses team members and they don't do their work correctly. The person working on loan has no sense of ownership or customer service sense. If I would have spent my time and money with some other bank knowing Citizens Bank is not doing their basic task, I would have saved my time and mental health. I spent money on Appraisal report for which I paid {$710.00} out of my pocket as needed by the Bank- which I would like to get refund from the bank as due to Bank 's inefficiency If I will have to take new bank it will be waste of money.

In short, I would like to file complaint about the monetary loss and mental stress provided by Citizens Bank for their inefficiency.
Product: Mortgage

My mortgage is from M & T bank. I used to have loan modification offer plan from M & T bank, due to Covid 19 hardship situation. The bank offered me to pay {$46000.00} as a trial period. 3 months. Starting from XX/XX/2022 till XX/XX/2022. Also they offer me to drop my interest rate from 4,75 % to 3 %. 
But, after I finished my trial period, I paid in time, M & T bank called me, and told that they made a mistake and they cancel all deal between us. The bank told me, that I have to pay them around {$30.00} XXXX, otherwise they will take me foreclosure. I have all documents prove my words. I have signed and notarized agreement for this loan modification contract. Please help me. I have never missed any payment to the bank.
Product: Debt collection

On XXXX XXXX, 2015 I received a call from XXXX XXXX ) Bayview XXXX XXXX XXXX ) stating that I owe on a payday loan and if I do not make restitution right then that I will have court papers served to me at my place of employment within XXXX minutes. At that time, I did not understand the practices that Bayview XXXX were illegal and against the Federal Trade Commission and made agreement to pay the loan. After further research, I found that their scare tactics and process of collecting the debt was known and the BBB has XXXX complaints against them for the same exact reason. I called back and spoke to a XXXX XXXX and told them that I declined the agreement and stated to provide me with the case file number that was filed with the court systems. I was then told by XXXX XXXX that there was no a case number because no case has been filed. I asked then why then was I told that I would be served court papers at my office on if there was no case filed. XXXX XXXX stated that I was never told that and hung up on me. I then received a call on XXXX/XXXX/15 from a XXXX with ( XXXX Bayview XXXX ( XXXX ) to verify my home address to serve me papers. I asked XXXX what kind of business this is because they are breaking the Federal Trade Commission law regarding debt collection. She stated that they are not a debt collection agency so they do not have to follow any laws pertaining to that. When I told XXXX is was taping this conversation, she then hung up on me. I called back and spoke to another person who then threatened to call my Human Resources officer and let them listen to the recording of the call and told me he was going to contact the local law enforcement agency and have a police office waiting at my house to arrest me. I have this entire conversation recorded on my phone. ( XXXX ) Bayview XXXX refuses to provide any information as to what their business specifically does and provide an address for me to send a written cease and desist letter to stop the harassing phone calls to my cell phone and work place for me to communicate with them through written letters. I understand I owe on the loan but I refuse to be intimidated by scare tactics and illegal practices that this company does to get money.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX regarding inaccuracies in the reporting of a charged-off account and multiple unresolved late payments. The account, [ Account Number : XXXX ], is reported as charged off with a balance of {$620.00}, and it reflects late payments from XXXX through XXXX. I have previously disputed these issues directly with XXXX on XX/XX/XXXX but the reporting remains unresolved. 

Details of the Dispute : Charged-Off Account : The account is marked as charged off with a reported balance of {$620.00}. I dispute the charge-off and request validation of this amount, including a detailed breakdown of the charge-off and any fees associated with it. 
Late Payments ( XXXX ) : The account shows multiple late payments from XXXX through XXXX, including 30-, 60-, 90-, and 150-day delinquencies. These late payments are unverified and do not match my records. 
Failure to Validate : I have requested documentation to substantiate the charge-off and late payments, but XXXX has failed to provide adequate proof. 
Applicable Consumer Laws : 15 U.S.C. 1681c ( a ) : Under the Fair Credit Reporting Act ( FCRA ), negative information such as charge-offs should not remain on the credit report for longer than seven years. I request that this information be removed if the charge-off is older than seven years.

15 U.S.C. 1666b : XXXX is required to verify and substantiate late payment claims for open-end credit plans. I request proof of the late payments.
Product: Checking or savings account

I am filing this CFPB report about a transaction I was scammed into making on my USAA Checking Account by the way of an Ach withdrawal that took place on XX/XX/2023. I am a Veteran with a XXXX XXXX XXXX ( XXXX  ) who was taken advantage of into making a purchase that I was not conscious of making at the time about a product I never received. I was SCAMMED INTO SENDING THE AMOUNT OF {$3700.00} to purchase a special type of computer ( XXXX  XXXX XXXX XXXX ) for my XXXX XXXX that the company -XXXX- never shipped. I have been unable to contact the sales merchant being XXXX about this matter of my money being stolen. The response I received from the company ( XXXX ) is " We do not refund stolen XXXX '' & the result ended in me being Scammed, Taken Advantage Of, & {$3700.00} being stolen. 
UNDER FEDERAL LAW : " banks must reimburse you if you've transferred money to someone because of a scam. This type of scam is known as an 'authorized push payment '. If you've paid by Direct Debit or ACH Withdrawal, you should be able to get a full refund under the Direct Debit Guarantee. '' I XXXX XXXX XXXX, Am Veteran With a XXXX XXXX, who had his disability taken advantage of & was tricked into sending this money and I need my bank ( USAA ) to credit my checking account & refund this purchase as soon as possible. 
I have been disputing this transaction since the End of XX/XX/2023, & The Beginning of XX/XX/2023, or about XXXX months after I was scammed into sending this money. I have been fighting with them even until Today, Monday XX/XX/2023. I need the CFPB to tell them to credit my account. People with disability, such as myself, are protected under the A.D.A. ( Americans with disabilities act ) in cases of money being stolen/scammed/of sent. 
Again The amount that I was scammed into sending back in XXXX from my Debit/Checking Account from USAA is {$3700.00} & I need help from the CFPB. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are credit inquiries on my report which was not authorized by me. I have contacted  XXXX  Customer Care in order to delete these unauthorized credit inquiries which is affecting my  credit score, but they denied to do so. I hope you will be able to help me get the Unauthorized credit inqu iries removed from my credit report.     Following are the credit inquiries affecting m y credit score on   XXXX  :  XXXX  on  XXXX   XXXX  on  XXXX   XXXX  on  XXXX   XXXX  on  XXXX