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

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the XXXX XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Debt collection

Account XXXX : XXXX In XXXX I used XXXX XXXX and was on a payment plan to pay off the out electricity bill. In that same year I paid off the debit of {$530.00}, and I know this because I moved later that year and in order for me to transfer my service I would've had to pay the bill in it's entirety. When I logged in to my account I saw the debit cleared and I continued to use their service up until I moved out end of XXXX. 

I never received any type of notice about the debit and when calling XXXX XXXX about it they the customer service representative told me that they couldn't see anything on their end either and to call the debit collector, I reached out to their third party they had handling the collection via phone and they had no information on why this I was on my account. I have tried different avenues to get this off my credit report but nothing has worked. The people at XXXX XXXX and their collections company haven't been able to give me any information. If this was a debit that I needed to pay ( which I did ) then how was I able to transfer my service from one place to another and continue to use XXXX XXXX as my provider when I moved?
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have disputed a hard inquiry from XXXX XXXX multiple times and have given Equifax a copy of my drivers license, copy of social security card, FTC report, and a personal statement. They wont remove it and every time I call they just say to submit the documents I already have submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report profile and I seen inaccurate information that was unauthorized. I am very upset that I seen this because I applied for a credit card and got denied. I was XXXX disappointed and I need this resolve now. Please see upload
Product: Mortgage

Both parents passed ( Dad XXXX XXXX and Mom XXXX XXXX ) they had a loan with Reverse Mortgage Solutions. I first tried to get a personal line of credit against my home to pay-off my parents debt, and was not able to get enough money, therefore I put their house up for sale. I contacted RMS by fax ( they told me that was the only way I was to relay information ). I gave them the XXXX number and asked for any extension because they said they would foreclose and take the home. My parents owed $ XXXX, and the house sold for $ XXXX in XXXX XXXX. The Title company contacted them after I faxed my permission, and let them know their was a buyer and an offer. Then the RMS XXXX sent out XXXX letters addressed to each parent, and the Estate telling us they filed foreclosure paperwork. Once the house was in Escrow the RMS send paperwork to the Title company letting them know they were going to charge the estate : Release fee : {$58.00} ; Corporate Advance : {$600.00} ; Monthly Service Charge : {$33.00} ; Outstanding Fees and Costs for Foreclosure : {$1800.00} ( filed on XXXX XXXX ). The house closed on XXXX XXXX, and RMS was unwilling to wait 2 weeks. 
I would like RMS to pay back all fees except release fee ( {$58.00} ) and monthly service fee ( {$33.00} ). 
I was bullied and given so much XXXX to my life while dealing with the loss of both parents ( 6 months apart from each other ) - they were married for 65 years. 
I tried so many times calling, emailing and faxing to talk with someone to understand the loan and explain my situation on getting the house sold. 
My name is XXXX XXXX, Daughter and Trustee to the XXXX estate. My work number is XXXX ext XXXX ; cell number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Please note that I am the author of this complaint and all attachments included This credit bureau has violated 15 USC 1681i and 15 USC 1681e. 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. All I have been getting are frivolous, eOscar automated responses. No real investigation was conducted after my initial dispute.

The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # 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
Product: Credit reporting or other personal consumer reports

EXPERIAN has claimed to verify this account and clearly this account is inaccurate and still reporting to my consumer report when the company reporting is referring to me as a female when I am a male. I have informed EXPERIAN in the past that their inaccurate reporting could make me subject to identity theft. I have attached proof in the form of a screen shot of XXXX XXXX XXXX response to my last complaint where they purported that this debt is owed by a female. I have served XXXX XXXX XXXX with a cease and desist and the FDCPA states in 15 usc 1692c that the debt collector must cease all communication across any medium. The FDCPA defines communication as direct or indirect and forbids both. My consumer report is considered an indirect medium which would make XXXX XXXX XXXX in violation of the statute and the EXPERIAN complicit in a XXXX by attempting to collect a debt by extortionate means. Let this communication serve as documentation in the event EXPERIAN or XXXX XXXX XXXX does not respond adequately. At which time I will have irrefutable proof via this complaint of willful noncompliance and I will go to the furthest extent of the law to receive my remedy for the years of damage caused to me both financially and mentally.
Product: Credit reporting or other personal consumer reports

I sold my mortgage on XXXX XX/XX/XXXX. However, lender kept sending mortgage statements and reported late payments to credit bureaus. This was due to the buying bank/lender not paying off in full the outstanding balance of my mortgage on time. 

I contacted my mortgage lender ( XXXX  ) multiple times letting them know about the sale but they still reported the late payments. Also contacted the buyer 's lender/closing officer and learned that they paid out the outstanding balance two months after closing the sale ( XXXX XX/XX/XXXX ). 

This adversely impacted my credit report with delinquent payments. Even though I provided the closing disclosure from the house sale and the new buyer 's deed to my mortgage lender they still reported the delinquent payments. 

My Mortgage Lender is 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

My accounts have not been updated even though it shows last updated within a few days of me viewing my credit score and report. My credit card balances have not been updated or anything. My credit score with the other credit reporting agencies is a 56 point difference because this company Transunion is terrible and reporting wrong and incorrect information. It is fraud to have three different reporting agencies all reporting different scores. There should be one credit reporting agency and consumers info needs to continuously be updated and correct as this is unfair and causes problems for people who are trying to fix/repair their credit to say purchase a home or car etc. This needs to be fixed and Transunion needs to get correct on their reporting or be done away with period!
Product: Bank account or service

I wanted to transfer, on Pen Fed CU website, money from our checking account to IRA account. The IRA account was not available for transfers. I called and ask why it was not available. I was told that this kind of transactions is prohibited by law - because of reporting requirements. Is there a law/regulation that prohibits electronic transfer of money into IRA account form checking/savings account?
Product: Credit card

I took out a loan to pay off several Credit cards, XXXX of them being Citi and Citi XXXX. I have XXXX Citi cards and XXXX Citi XXXX card. I was going to payoff XXXX of the Citi Credit cards and the Citi XXXX and just have the Citi Credit card. The checks were mailed out on XXXX, XXXX. The XXXX Citi Credit Card was paid off XXXX XXXX, I kept waiting for the XXXX card to be paid off, and kept getting calls for late payments. when I checked the XXXX Credit card., it had a credit of over XXXX the check written to CITI XXXX was used to pay the card I intended to keep open. I have had numerous calls to Citi to get this resolved, I never get to speak with the same person, I spoke with Citi around the XXXX of XXXX..to let them know of the error that was made.and was told that they would investigate and let me know in 5-7 days. When I had n't heard anything, I called again on the XXXX I was put on a conference call with Citi, Citi XXXX and the bank to verify the check had cleared and written to CITI XXXX, which was verified, I was told by a Citi supervisor named XXXX, that he would take care of it within 5-7 days. This past Monday I had n't anything so I called again I asked to speak with XXXX, and got a supervisor form Maryland, who said she could see all the calls that have been made, and that XXXX did n't follow through, she was going to expedite and would call me on Friday the XXXX. she had said that she hoped that everything would be fixed, but with the holiday, may not be resolved, but she would call. Well no call .... My wife has been emailing also so we have a record. Today we received an email that we would receive a letter within 30 days detailing the results of the investigation. Meanwhile, Citi health is calling and emailing wanting a payment
Product: Money transfer, virtual currency, or money service

I was contacted by XXXX in regards to a job with XXXX XXXX on XX/XX/XXXX. These people pursued to offer me a position and send me a " bonus '' check on XX/XX/XXXX. Through my PNC Application, I uploaded pictures of this check and PNC accepted the mobile deposit. I waited the appropriate timeline per our customer agreement for PNC to clear the funds and release the funds into my account prior to making any transactions. I made two separate transactions several days after PNC released the funds, at this time the check had been deposited into my account. A few days later, PNC withdrew the check from my account claiming insufficient funds, as a result of a fraudulent check from the aforementioned XXXX XXXX, causing my account to be overdrawn. When I became aware of this, I immediately went into the PNC on XX/XX/XXXX, to discuss the issue and the overdraft. During the discussions, I was told that PNC was going to open two disputes within PNC in regards to the fraudulent checks. I asked to dispute the fraudulent check and asked why PNC would release funds into my account without verifying the funding source. I also inquired about why PNC would allow transfers out of my account without verifying I had those funds in my account as well. I was also told that PNC would defer my overdraft fees at least 30 days after this was resolved and they had lied to me about this and started charging me the day they denied the disputes on their end. PNC has informed me on XX/XX/XXXX that my disputes were denied, however my disputes were filed within XXXX, regarding the transfers out of my account. There were no disputes placed on PNC for the Fraudulent check and PNC 's verification process behind transfers in or out of my account. Today, XX/XX/XXXX, I called a number given to me on the dispute to obtain documentation regarding the resolution. The lady from PNC told me that there were no documents and also that there was no way to dispute Fraudulent checks within PNC. Since there is no formal dispute for Fraud, she offered to leave a note from a supervisor to contact me. 

I have also contacted the FBI and my local police department in regards to this situation. Ultimately, my issue lies with PNC not performing internal controls around customer deposit accounts or performing due diligence for checks coming in from financial institutions or performing due diligence/settlement procedures for customer deposit accounts prior to funds release. The financial institution 's lack of controls and due diligence facilitate and enable fraudulent behavior and allow malicious agents to continue to defraud consumers while PNC profits from their deficiencies and the bad actors via assessments of overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA this company DATAMAX CORP needs to provide me the consumer with proof of purchase of my personal information that includes dates, and amounts and everything included with the sell of my information.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I submitted a dispute with Transunion XXXX XXXX XXXX to investigate their deceptive practices when furnishing information on my consumer credit report. Transunion XXXX XXXX XXXX conducted a so called investigation for accuracy instead of my initial request on proper federal procedure pursuant to FCRA. The company responded XX/XX/year> and chose to continue with The communications on my consumer credit report. Federal FCRA laws the company claims to abide arent being followed violating me the consumer with no regards to its affect it has on my family. I responded by asking the company to cease and desist all communications furnished on my consumer report and to not communicate further with any future creditors I may create relations with. I requested a copy of all deleted communications currently being furnished to assure that my request is respected.
Product: Mortgage

I made my mortgage payment on XX/XX/2022, 8 days before the due date. The amount of {$370.00} was debited from my account. I was contacted by my mortgage company 21st Mortgage, a few days later stating they didnt receive my payment. I verified with my bank that the ACH was sent and received, and it was. I then contacted 21st to inform them my bank verified the transaction was successful, and they still deny it was received. They have failed to look for the payment, and properly apply it to my account. Im not sure if it got applied to another account, what happened on their end, but the payment was received. They have also changed the due date of my loan when they bought my loan, changing the original terms.
Product: Debt collection

Company : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX, XXXX, XXXX, XXXX Debt Collection Company : AmerAssist A/R Solutions , Inc XXXX XXXX XXXX XXXX / XXXX, OH XXXX, ( XXXX ) XXXX, XXXX Terrible billing experience. I have been coming here for years and enjoy the skill and quality of the dentists however the past 8 months have been a billing nightmare. 

Events in order. 

XXXX. I get quoted to XXXX  and XXXX XXXX XXXX with an XXXX. With XXXX XXXX, cost is $ XXXX out of pocket for visits 1 thru 5. 

XXXX. I come for my visit 3 and get asked if $ XXXX is ok. I say yes if it's in line with the old quote. They say they can't pull up the old quote because of a system change. I attend my appointment assuming, there's the word, that they will honor it in good faith. After the service I receive a new quote for $ XXXX out of pocket for visits 3 thru 5. I find the old quote and realize the discrepancy. 

XXXX to XXXX. Several follow up phone calls and emails on my part and I get told that the previous visit was all out-of-pocket because I was maxed out on insurance which they failed to tell me that day. I get told tough luck. Another month passes and I get told they'll provide a refund for $ XXXX out of the $ XXXX I paid that day. Ok. 

XXXX. I get a bill for {$850.00} with the info that insurance didn't pay up and it's on me. Two more phone calls and emails trying to find out what's going on and no response. 

XXXX. My XXXX  XXXX falls out, I am trying to get service and resolve the {$850.00}. I am told that the bill has been sent to collections despite no one following up with me and there's nothing they can do now but I can call my insurance and collections? 

Not providing billing information at the time of service, wasting my time, confusion, no follow ups, and now collections? Offensive.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, It has been well over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person. 

My Social is XXXX My D.O.B is XXXX My Current Address is XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name Account Number Last XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX ) Reference # XXXX Bankruptcy ( XXXX  XXXX ) Bankruptcy ( XXXX  XXXX ) Reference # XXXX 15 USC 1681 Section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 XXXX years. 

15 USC 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: Vehicle loan or lease

Due to covid, my business and income suffered. I contacted Kia finance and requested help and asked if there were any covid options to help. I was told no. After falling behind on the vehicle by 30 days an account manager called my phone and advised that if I were able to make the payment I would then be eligible for a two month deferment. I advised that I would be able to make the payment in a few days when a client was able to make payment to me. He stated that would be fine and to call back on Monday. He advised all my calls were routed to him. However, after making the two payments ( both vehicles ) and calling on Monday, I spoke to a customer service rep who did not know who the account manager was. She did not route me to him. I passed along the information he provided and she advised I could move forward with the deferment. She was incredibly rude and asked a lot of personal and deeming questions. When she was complete and received the information she asked for the call ended. Less than 45 days later my car was repossessed. I had just been paid the evening prior and was bringing all my accounts current. My XXXX  XXXX  was over. When I headed to the driveway at XXXX to take my babies to daycare, my car was gone. I NEVER even received a phone call. I was under the belief my cars were in deferment. I called Kia and was advised I was almost 60 days behind and my account was not in deferment. They stated they had no knowledge of a deferment and no recording of that call or any other call from my number. Furthermore, they stated my phone number wasn't even listed on the call list. We have owned the cars for two years. I purchased them and I earn the income in our home. I have always been listed but prior to repossessing our cars they switched all contact details to exclude my line- which was listed for XXXX XXXX to my husband 's employer line and cell phone. They never once left a message- on account there is no voicemail set up!!! I paid close to {$3000.00} to have my car returned that I was told would be in deferment for two months. And even now that my account is current, the online system still shows past due balances though I pay it in full and more each month. They refuse to remove the two late payments ( 60 day lates ) from my credit and refuse to acknowledge this failure to defer the account. Kia 's sales team, financing, customer service department, all of it has been so dissapointing and unsatisfactory from the start of this purchase. We have not had a late car payment in six years! I asked for help and they denied it.. and when it was finally offered in the form of a deferrment- they repo 'd my car and marked me 60 days late.