23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We contacted a gentleman by the name of XXXX XXXX who works with American Pacific Mortgage about a VA loan to purchase a house. The escrow was originally set to close at the end of XXXX XXXX. It was then pushed back to XXXX XXXX because we had a short sale on our prior home XXXX of XXXX and for the VA loan it had to be 2 years. That was all fine but then the escrow date moved to XXXX XXXX, XXXX according to XXXX " just to make sure we can make the deadline. '' XXXX XXXX rolls around and we find out that XXXX had not ordered a termite inspection which is mandatory with a VA loan. Our agent called an inspector who was gracious enough to make us a priority and come out the same day. Escrow finally closed on XXXX XXXX with no help from XXXX but by the assistance of our realtor and his mother. When we went to sign the last of the loan docs and the statement said we would be receiving over {$2400.00} back in the form of a check and we questioned that since we had only put down {$1000.00} in good faith. When we got the check for {$2000.00}, we again questioned our escrow agent and she informed us that the mortgage company had given us a credit and this was how they were accounting for it. Just after XXXX, I received a call from XXXX saying that and internal audit had been done ( again, later in the process than normal ) and we had to return the extra money and he would e-mail me with details on how to do that. He never did. I did get a call from our escrow company saything that they had heard from American Pacific Mortgage about the extra money but she said she told them that she could not be sure if we still even had the money. She never mentioned bringing her a check. On XXXX/XXXX/XXXX, I received an e-mail from XXXX as a " follow-up '' about the Overpayment and he said that the VA was aksing for it and the escrow company said they did not have a check. I replied that he never e-mailed me to give me direction on what was to happen. He responded that the escrow office said they called me and that the check was to be returned to them. Thereby, in my option, blaming the escrow company for not informing me when he said he would. I did give a check to the escrow company in the amount of {$1000.00} that this morning, XXXX/XXXX/XXXX. It seems to me, that the mortgage company and XXXX XXXX should have been on top of this situation and not put us in the position of having to return money we questioned not once but 2 times. Buying a house is a stressful enough process without the loan officer forgetting things and then the loan company making a huge mistake. On top of that, founding out that we are responsible to return money the mortage company give us. This is just a poor way to do business.
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 Balance : {$29.00} XXXX XXXX Balance : {$29.00}
Product: Credit card or prepaid card

Hello I had 5 accounts with Synchrony Bank and not once was I late and my balances are very low and one i didn't even use and for no reason they closed all my accounts and the sent me letters saying that they think that there might be a high risk of failure to pay which is not true because I either pay off my balance or make three times the minumum payment if not more. So they destroyed my credit score on baseless claim that they think I might fail to pay not that I failed to pay. Now my credit score has gone down by almost 75 points.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate and fraudulent information on my credit report. I am a survivor of XXXX XXXX and certain accounts and debts were incurred under duress without my knowledge or consent. These accounts do not accurately reflect my financial behavior and were established as a direct result of criminal activities committed by those who exploited me. 

Legal Protections and Applicable Laws As a consumer, I am protected under various sections of the Fair Credit Reporting Act ( FCRA ) and other relevant legislation : XXXX. Section 605B - Blocking of Information Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ) : Credit reporting agencies are required to block any information resulting from identity theft, including cases of XXXX XXXX 
XXXX. Section 609 ( e ) - Information Available to Victims ( 15 U.S.C. 1681g ( e ) ) : Victims of identity theft have the right to obtain copies of business records relating to fraudulent transactions. 
XXXX. Section 611 - Dispute Resolution Procedure ( 15 U.S.C. 1681i ) : Credit reporting agencies must investigate disputed information and correct or delete any inaccurate information. 
XXXX. Section 604 - Permissible Purposes of Consumer Reports ( 15 U.S.C. 1681b ) : Any entity requesting a consumer report must have a permissible purpose, and fraudulent inquiries must be removed. 
XXXX. Section 623 - Responsibilities of Furnishers of Information ( 15 U.S.C. 1681s-2 ) : Entities furnishing information must ensure its accuracy and investigate disputes. 
XXXX. The Consumer Financial Protection Bureau ( CFPB ) guidelines emphasize handling disputes involving XXXX XXXX victims fairly. 
XXXX. XXXX Victims Protection Act ( TVPA ) : This provides protections for victims of XXXX XXXX, allowing them to clear fraudulent financial records resulting from their victimization. 

Disputed Accounts : XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX  - XXXX XXXX. XXXX - XXXX XXXX. XXXX INC - XXXX XXXX. Unknown - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX. XXXX - XXXX Additionally, there are incorrect addresses and personal details on my report that I request to be corrected. 

Request for Action Please remove these items from my credit report under the provisions outlined above. I have included the necessary supporting documentation. I request written confirmation that the disputed information has been removed and a copy of my updated credit report. 

I also request : XXXX XXXX : My credit score should be rescored quickly after corrections. 
Direct Disputes with Furnishers : I have also contacted the furnishers and expect them to verify or correct their data. 
Demand for Written Verification : If accounts can not be verified, they must be deleted per FCRA guidelines. 
Suppression of Inaccurate Data : Inaccurate data should be suppressed immediately to prevent further damage. 

Thank you for your prompt attention to this matter. Please ensure full compliance with federal laws and guidelines from the CFPB.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Transunion The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Transunion credit report on XX/XX/year>, 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In generally, 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. 
And according to 15 USC 1681s-2 they are supposed to 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. Please delete these accounts immediately. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.Accounts : XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$1300.00} Equifax XXXX XXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$28000.00} XXXX  XXXX XXXX Balance : {$7100.00} XXXX XXXX Balance : {$1300.00}
Product: Checking or savings account

{$7000.00} was transferred from my savings account to my checking account on XX/XX/year>. {$14000.00} were charged using my debit card on XX/XX/XXXX and XXXX, XXXX. The bank, Wells Fargo refuses to accept this as fraudulent. They denied my appeal twice. My banking records show I have never dealt with these companies.
Product: Credit reporting 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  : Account Number : XXXX : Balance : {$7900.00} Account Name : XXXXXXXX XXXX : Account Number : XXXX : Balance : {$12000.00} Account Name : XXXX : Account Number : XXXX : Balance : {$2600.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$8400.00} Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$6100.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$13000.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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: Debt collection

A company by the name of Arnold Scott Harris, PC ( XXXX ) is attempting to collect a debt that does not belong to me. I 've asked them to provide proof of debt with my signature which they have failed to do. Arnold Scott Harris, PC has been notified to refrain from contacting me, yet they continue to call daily. I am unfamilar with the debt stated in their letters.
Product: Bank account or service

I made a deposit to my account at XXXX and my transaction posted at XXXX. I called the bank and was informed that they start processing at XXXX. I have never received any documentation stating that the cutoff time is XXXX I asked if the they could reverse the charges since they could see the deposit at XXXX and the answer was no.
Product: Credit reporting, credit repair services, or other personal consumer reports

In violation of FCRA Rights inaccurate information is being withheld and/or reported to banks and credit card companies it has literally caused me hardship I submitted documents from XXXX XXXX  XXXX being denied due to bureaus reporting inaccurate information to banks and credit card companies it was reported from the credit bureaus I had hard inquiries on my credit report and also that my credit score was XXXX when in fact my credit score was XXXX which caused for the denial of the application an agent from XXXX XXXX XXXX actually documented that the credit bureaus in fact reported to XXXX XXXX XXXX XXXX  that their was hard inquiries and low credit scores when I spoke with the credit bureaus XXXX, Equifax, XXXX I was told that it was because the bank was using a different model to check consumer credit reports inaccurate reporting of my name, address, birthdate, address i demand that my credit report be updated with the correct information in bureau is in violation of FCRA regulations
Product: Credit reporting, credit repair services, or other personal consumer reports

problem : all of the above. failure to remove slander ( via fcra part 209 ) failure to update accounts correctly ( actual debt owed in some circumstances misreported by extortionist debt collectors when settlement is active ) failure to respond and remove " debts '' after 30 days has expired, ( XXXX, XXXX especially ) when creditors have not replied in fact to complaints. allowing creditors such as XXXX XXXX to report things when they are in violation of other laws such as the cardholder agreement ( refusal to reissue cards and remove fraudulent transactions ) and consumers right to settle debts with 3rd parties ( some of which are not involved because creditor refuses to use them-XXXX XXXX, XXXX, XXXX/XXXX ). showing outdated debts ( 10 years back ) and refusing to remove them. failure to respond to legal notices sent certified mail to all 3 bureaus. refusing certified mail. failure to acknowledge reciept via certified mail of personal information ( " required '' to update the database ) to unlock files repeated demands to " verify '' consumer according to fraudulent data in files repeated " verification '' sent back to me when there are no changes to the file, or changes are removed. in fact no means of challenging debts were sent back to me as required by law. posting information from unknown sources and not from XXXX co courthouse about illegal eviction when complex remains on fire and landlord from ohio was summoned ( extortion and retailiation, both illegal ). refusal to sync accounts with other bureaus data as per deletions. refusal online or otherwise to allow access and correct files and/or report fraud, yet freezes files wo consumer consent. If consumer wants to freeze files, its a nightmare.
Product: Debt collection

On XX/XX/2019 I started receiving dozens of phone calls from XXXX at all hours of the day. 

No one would ever be on the other end and when I called back they would just hang up on me. 

After doing some research I found the number belonged to a collection agency named MRS . 

Through their website I was able to find their fax number and on XX/XX/2019 I faxed them a letter demanding they stop calling me and if they are collecting a debt to validate the debt via mail. 

So far they have refused to validate the debt.
Product: Checking or savings account

I went to log into my Chase bank account on XX/XX/XXXX. It said that my account is locked due to suspicious fraud activity. So I called the bank to find out what happened and they said they are no longer continue in a relationship with me and would not give a reason why. I have four account with them two of them are college account for my daughters. My one daughter is receiving unemployment and had a large deposit put into her town about a week ago for the back pay for unemployment. When talking to customer service a supervisor told me I can go to the branch and withdraw my funds and not have to wait for a check so I go there to do it and they will not help me. I also left a message for the branch manager on XXXX to call me to see if he can release the funds and he has not called me back. So while I'm at the branch I call customer service and the guy on the phone told the personal banker that they have to release the funds in my checking account because those are not related to the unemployment and it's against Federal regulations to hold the funds in that account that are from my employer. He still refused to do so his name was XXXX at the bank. He told me he would email the branch manager XXXX the contact me on Monday XX/XX/XXXX to see about getting my funds released. This is the same branch manager that did not call me back on XX/XX/XXXX and he did not call me back on XX/XX/XXXX either. I am still waiting for my funds to be released and I don't know what to do at this point. The branch manager refuses refuses to take my calls or return them and I need him to release the funds according to the customer service call center
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that is also is reporting different information on the credit bureaus. I have disputed this account several times and the bureaus have concluded it was verified. I asked for the method and proof of verification but never received anything. The bureaus are reporting different dates for last activity, date of last payment and, days late.
Product: Mortgage

We have a Heloc from XXXX XXXX, which we have paid consistently despite the rate increases. 
In XX/XX/, XXXX transferred the loan to XXXX XXXX and raised our fees and payments by more than XXXX. 
When I called to inquire about the change, they stated it was a " system error that they were aware of and would be addressing... .nothing should change ... our amount would remain the same. '' An updated statement was sent, reverting back to our normal payment. I immediately submitted the payment via their online system, although their online system still reflected the inaccurate statement requirement. 
I called again and they stated it would be rectified It wasn't. 
I have since called 6 times asking for assistance. I have been disconnected 4 times and am again sitting on hold ... .so far 20 minutes and counting. I tried emailing and chatting, and still no assistance. 
I have since received a letter stating that I still owe the XXXX XXXX  which was due immediately or there would be penalties. Again, I was told this was an error in their system. 
Last week they had a " system outage, '' which they now say is rectified, yet the data is still incorrect. 
I received a New statement that now states we owe more than XXXX, including a past-due payment I already made. 
It's now 40 minutes on hold. 
I am a military widow on a fixed income and should not be taken advantage of in such a manner. I have made every attempt to communicate and address the errors in their system but to no avail. 
Now they disconnected the call... again. 
Their actions deserve to be investigated and reported as they seem to be fraudulent in their actions and customer service. 
Would appreciate it if you could look into this. I am happy to provide any and all documents for proof and verification. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unauthorized inquiry on my consumer report from XXXX XXXX  dated XX/XX/2023 that I do not know of nor did I give consent to and under the law 15 USC 1681b I must give consent before transunion can report anything to my consumer report which I have not therefore it must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately do to Covid 19 we were late on my our mortgage for XX/XX/XXXX. Once we were able to catch up on our mortgage in XX/XX/XXXX we did. We live in California and were put on an automatic shut down on XX/XX/XXXX. I was temporarily laid off as well as my wife. We both bounced back and were able to catch up on our mortgage the next month thanks to unemployment and the stimulus check. I was told the CARES ACT was supposed to protect us from mortgage lates being reported due to covid 19. Please remove the lates from all 3 mortgage bureaus. 

I did contact them twice one being as recent XX/XX/XXXX and they removed the late fees but they have not removed the lates.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of all incorrect names and addresses associated with my credit file across all credit bureaus, as well as to request that only the following information be retained : Correct Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to the Fair Credit Reporting Act ( FCRA ), specifically XXXX5 U.S.C. 1681c ( a ) ( 4 ), consumer reporting agencies are required to ensure that all information in a consumers file is accurate and up-to-date. Furthermore, 15 U.S.C. 1681i outlines the obligation of credit reporting agencies to investigate disputes and remove inaccurate, incomplete, or unverifiable information.

The inclusion of multiple incorrect names and addresses in my credit file is a violation of these provisions and creates confusion that could adversely affect my credit profile. This also infringes on my rights to accuracy and fairness under the FCRA. 

I have identified the following inaccuracies that need to be immediately removed from my credit file : XXXX. All incorrect or alternate names other than XXXX XXXX XXXX XXXX 
XXXX. All incorrect or alternate addresses other than XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

Please consider this letter a formal dispute under the FCRA. I request that all credit bureaus be directed to promptly correct my records and to provide written confirmation of the changes. I also request that all other names and addresses be permanently removed from my file to prevent further inaccuracies. 

Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

I had a auto loan a company called Autopay. I refinanced my loan with XXXX on XX/XX/25. XXXX sent a check to Autopay on XX/XX/25 and according to XXXX 's records the check was cashed on XX/XX/25 for a value of {$33000.00}. After 19 days Autopay still have no record of ever receiving this check or record of them cashing it. I have called both XXXX and Autopay to find solutions to this issue but to no avail. Autopay has said that they are investigating the payment but nothing has been done.