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

On XX/XX/XXXX I, XXXX XXXX asked the three credit reporting agencies to investigate numerous accounts due to the information being inconsistent amongst all three reporting agencies. This was done via certified mail, tracking numbers are : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX All three reporting Agencies responded back as " verified '' as the conclusion to their investigations. On XX/XX/XXXX I asked for methods of verification and I haven't received the information requested since then. This was done via certified mail, tracking numbers are : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I requested the methods of verification again via mail. his was done via certified mail, tracking numbers are : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX XXXX I requested that these accounts are REMOVED from my credit profile if the information requested is not provide within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I contacted experian to update my employment information on my credit report. 

I started a job on XXXX at XXXX XXXX in XXXX wi and experian will not update my info in my personal info
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against  XXXX  and Money recovery nationwide.     I settled all debt that i had wit h Money Recovery Nationwide back in the  beginning of  XXXX . My debit account was charged the amount of  XXXX  on  XXXX  to settle two account with the collection agency.  One  of those accounts that i settled was for   XXXX   XXXX  . It was removed from my  XXXX  report but not my   XXXX   report. I filed a dispute once i saw that it had not fell off of my  XXXX  report. Today when i checked my credit report again, it is still there. So i called  Money Recovery Nationwide tod ay and asked them why the had n't reported that i had paid it off to the credit agency. They informed me that they in fact had reported it to all three credit agencies on  XXXX / XXXX /  XXXX  , and that i need to call  XXXX  to have them remove it. So i called   XXXX   and they told me that  Money Recovery  had never report that the account was settled on  XXXX / XXXX /  XXXX  , the also said that the last time Money recovery reported was on  XXXX / XXXX /  XXXX  . I let them now that i have my bank statement proving that i paid off my debt money recovery and they said it did n't matter. They also said that i had to call money recovery back because they are the only one who can take it off my credit report. I called  Money  recovery back after my frustrating conversation with  XXXX  and told them what  XXXX  said and they told me again that they had reported it on  XXXX / XXXX /  XXXX  . They also told me to call   XXXX   back. They just keep pushing me back and forth to each other. And as far as i am concerned, if i submit proof ( Receipt/bank statement to  XXXX  they should remove it from my account. I requested that  Money recovery send me a settlement letter stating that the accounts were settled and reported to  XXXX . I  settled this account going on 2 months ago and it is still on my account, negatively affecting my  credit score. it is a bsolutely ridiculous.
Product: Debt collection

Dear Sir/Madam, I am writing to follow up on my recent dispute regarding the collection account that is appearing on my credit report, account number XXXX. I am disappointed that your investigation did not result in the removal of this inaccurate and damaging information from my credit file. 

As I previously stated in my dispute letter, I did not open this account or authorize anyone to use my personal information to do so. It is clear that my identity has been stolen and fraudulently used in this case. Your assertion that I entered into a loan agreement with XXXX XXXX XXXX XXXX XXXX is simply not true. 

Furthermore, the inaccurate reporting of this account has caused significant harm to my credit score and my ability to obtain credit, in violation of Section 1681s-2 ( a ) of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau 's ( CFPB ) Bulletin 2013-1. It is also in violation of 15 U.S. Code Section 1681b and Section 604 ( a ) ( 2 ) of the FCRA. 

I request that you immediately remove this fraudulent and inaccurate information from my credit report, as required by law. I am also requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report, in accordance with the FCRA and CFPB guidelines. I expect your prompt response within 30 days of receipt of this letter. 

Please be advised that your failure to comply with the FCRA and CFPB guidelines will result in further legal action against your company, including but not limited to the pursuit of all available remedies under the law. 

Thank you for your attention to this matter. I look forward to a prompt and satisfactory resolution. 

Sincerely, XXXX XXXX CFPB Codes : Bulletin 2013-1, Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Section 1681s-2 ( a ) of the FCRA
Product: Checking or savings account

I had disputed some transactions totaling {$730.00}. The merchant involved agreed I wasnt the one doing the charges. I sent the paperwork to Chime. They have refused to investigate and refuse to credit back. As a result theyve denied recurring payments that I did authorize and have affected my credit. Every time I call I get someone in another country who doesnt understand and wont help me. They are illegally holding my money and refusing to help with the dispute that the vendor is ok with
Product: Checking or savings account

ON FRIDAY, XX/XX/XXXX. AN AUTOMATIC PAYMENT WAS INADVERTENTLY PROCESSED TWICE. i NOTICED IT WHEN i CHECKED MY BALANCE ON MY MOBLE BANKING APP. i CALLED MY BANK IMMEDIATELY AFTER i WAS UNABLE TO CONTACT THE PAYEE. i WAS TOLD THAT BECAUSE THE PAYMENT ( S ) WERE PENDING, THEY WERE UNABLE TO STOP THE SECOND PAYMENT FROM COMPLETING. i WENT TO THE BANK AND SPOKE TO THE MANAGER AND EXPLAINED MY SITUATION - THAT MY RENT WAS DUE THE SAME DAY, AND MY FUNDS BEING HELD UP WERE PREVENTING ME FROM PAYING ON TIME, AND THAT IF THIS WASN'T RESOLVED BY END OF BUSINESS, I WAS GOING TO HAVE TO PAY AN {$85.00} LATE FEE, AS THERE IS NO GRACE PERIOD. THE MANAGER TOLD ME THAT THEY HAD TOO MANY ISSUES STOPPING PENDING PAYMENTS IN THE PAST, SO THEY STOPPED THE PRACTICE. APPARENTLY, PEOPLE WERE MISUSING IT. I EXPLAINED THAT I HAD BEEN A CUSTOMER FOR YEARS AND IN GOOD STANDING. THEY COULD CLEARLY SEE THIS PAYMENT HAS COME OUT EVERY OTHER WEEK, WHEN MY PAY CHECKS ARE DIRECT DEPOSITED, AND IT WAS CLEAR THAT THIS ONE HAD PROCESSED TWICE. THE END RESULT WAS I HAD TO PAY THE LATE FEE, BUT WAS FINALLY ABLE TO CONTACT THE PAYEE, WHO INFORMED ME THAT THIS WAS A GLOBAL ISSUE OF PROCESSING DOUBLE PAYMENTS. THEY WERE ABLE TO REFUND THE SECOND PAYMENT, BUT NO ONE HAS BEEN ABLE TO COMPENSATE ME FOR THE {$85.00} LATE RENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXX XXXX, and XX/XX/2022, I asked agencies to investigate items that I believed were reporting not 100 percent accurate. As of now, I have no notice from them at all stating that the accounts are in investigation. In my previous letter, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am having to exercise my rights under law. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, all 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 account without my written instructions. Reporting agencies also have failed to allow me to remove several inaccurate names and addresses. I've been living over 12 years at the same address which is inaccurate I have one name that was provided at birth but yet several names are reported on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May Concern This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition, to civil liability. By obtaining my CREDIT BUREAU consumer credit report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1618b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. supp 2d711 ( S.D Ind.2003 ) I have not initiated any transaction with COMPANY NAME. furthermore, I do not have anaccount as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review for collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus stated that my accounts were properly investigated Complaint ID # XXXX. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX This was a false statement made by the Credit Bureaus because the opening date is inaccurate, and the last date reported is not accurate across all three Credit Bureaus XXXX This is grounds for removal, that also violated my rights under 15 U.S.C 1681 Section 602 A, states I have a right to privacy, under 15 U.S.C 1681 Section 604 A. Section 2, it also states that the consumer reporting agency can not furnish a account without my written instructions. Also the Credit Bureaus took more than 30 days to complete my investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint regarding inaccurate information found within my credit file...
Product: Checking or savings account

I see a charge on my account for {$24.00} for an XXXX credit report. I did not request this report nor authorized usage of my card. 

My bank refuses to give my money back. I have already canceled the card and asked them to look into it.
Product: Mortgage

The mortgage company is XXXX XXXX XXXX the issue is that I told them so many times that I can not pay my mortgage on the first of each month because the way money comes in. I have a good credit and I was never late Ill pay my mortgage around the XXXX XXXX or XXXX of each month therefore Im not late because of the grace period time that is given to us until the XXXX. They had stopped for a while but now again I called them again and they said that they will not stop calling ... .I get calls every day after the first and on emails attached to the call ... I think this is an harassment. Thank You
Product: Mortgage

The company continues to Bill me for escrow payments. I followed their requests for written and signed letters requesting them to stop billing me for escrow payments.. the service department has verified that they have received the requested documentation from me but they continue to send me they same form letter. Working to gather the requested information
Product: Checking or savings account

I deposited a payroll check into my business account which is with Fifth Third bank. A few days later I attempted to check balance with mobile app and I was not able to log into account. Customer service stated that I will have to speak to fraud department. The bank also froze my personal account without my consent or authorization. Fraud department stated that they will not release funds that I have in my personal account. 

My consumer rights were violated under 15 USC 1692e, 15 USC 1692c, 15 USC 1692d,
Product: Mortgage

While checking my credit score on XXXX, i noticed an account closed on my XXXX report and the same account open on XXXX. There is no close date, it still shows incorrect information and theres a statement of foreclosure started. The funny thing is, Bayview loans has not sent a single document since XXXX when they bought the loan from XXXX. In fact, there is no closed date. My mail is not the issue as my postmaster for usps in XXXX is under investigation.
Product: Debt collection

The following inquiry needs to be removed immediately:

Creditor Name: XXXX XXXX
Date: XXXX XXXX XXXX

Original creditor:XXXX XXXX XXXX
Account name : XXXX XXXX
Account : XXXX
Amount : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint on XXXX/XXXX/17 # XXXX. You show that a charged off account with a balance. You responded : The balance for disputed XXXX account XXXX has been updated to zero on the Equifax credit file. I received a copy of the credit report on XXXX. It still shows a balance. You must delete the account immediately under the FCRA rules. Your investigation is completely false. If this account is not removed forthwith, I will file a lawsuit against your company for reporting false information. Attached is the proof.
Product: Debt or credit management

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, California XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Foreclosure Information on My Credit Report Dear Experian, I am writing to formally dispute the inaccurate foreclosure information on my credit report, which remains unresolved despite previous attempts to correct it. The information in question is inaccurate and does not reflect the true status of my financial history. Despite my previous disputes, the incorrect foreclosure entry remains on my credit report. 

As you may be aware, the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian for mishandling consumer disputes and failing to correct inaccurate information on credit reports. This lawsuit highlights an ongoing pattern of failures in your dispute resolution process, particularly in addressing consumer claims regarding incorrect or outdated information. Unfortunately, I have experienced these same issues with my own disputes, and I am now requesting your immediate action. 

The inaccurate foreclosure information listed on my credit report is a significant error. 
I moved out in XX/XX/XXXX the roommate told me that I would be removed from the apartment lease I have never been through foreclosure, or The foreclosure has been resolved and should be marked as satisfied. 
Despite having previously submitted disputes for this inaccurate information, the foreclosure entry has not been corrected. I am requesting that you immediately reinvestigate this matter and update my credit report to reflect the accurate status of my accounts. The failure to correct this error is causing unnecessary damage to my credit, and I am entitled to an accurate representation under the Fair Credit Reporting Act ( FCRA ). 

I expect that you will comply with the FCRA and conduct a complete reinvestigation of this foreclosure entry. Additionally, I request that you provide me with the results of your investigation and an updated copy of my credit report. 

Please note that I expect a resolution within 30 days, as required by the FCRA. If this matter is not resolved within the required timeframe, I will be forced to explore all legal avenues available to me to protect my rights. 

Thank you for your immediate attention to this issue. I look forward to your prompt resolution of this dispute. 

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

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an accounts for XXXX XXXX XXXX, and XXXX/XXXX. This has caused me great XXXX, stress, and financial hardship.
Product: Mortgage

I am XXXX Military person ( Family ) who 's tried to have a loan modification and/or a short sale through both of my mortgage companies OCWEN and XXXX XXXX over the last few years now!!! We have suffered nothing but heartache, stress, hardship and financial burden with over a year and a half of trying to get approval for a short sale on my residence and losing Two potential buyers, I have provided everything that has been asked for and all paperwork each time!!! Many times the same paperwork again and again!!!
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 XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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: Debt collection

Dear XXXX In reviewing my credit report from XXXX, I found unauthorized Inquiries. I made numerous attempts to resolve this matter via XXXX automated service, however I had no success by phone. The following inquires are unauthorized. 1. XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX 2. XXXX XXXX inquiry date XX/XX/XXXX 3. XXXX XXXX inquiry date XX/XX/XXXX 4. XXXX XXXXXXXX XXXX XXXX inquiry date XX/XX/XXXX 5. XXXX XXXX inquiry date XX/XX/XXXX 6. XXXX XXXX XXXX inquiry date XX/XX/XXXX 7. XXXX XXXX inquiry date XX/XX/XXXX 8. XXXX XXXX XXXX inquiry date XX/XX/XXXX 9. XXXX  inquiry date XX/XX/XXXX 10. XXXX XXXX XXXX inquiry date XX/XX/XXXX Under 15 U.S Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information 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.
Product: Debt collection

I sent a validation of debt to Global Lending Services in XX/XX/XXXX and the information I received was inaccurate. The letter stated that a purchase was made on XX/XX/XXXX for a XXXX XXXX XXXX from XXXX XXXX XXXX and the contract was assigned to Global Lending Services. This info is incorrect and I've asked Global Lending Services to remove but they refused. Also Global Lending Services did not list all the payments that were made to them.
Product: Mortgage

Short summary : Chase Bank refuses to accept a mortgage payment from a savings account at XXXX XXXX, claiming it is policy. The mailed statements provide a section to fill in the name and routing number of another institution, and select a checking or savings account! 

XX/XX/XXXX, originated a cash out refinance through XXXX Bank loan finally completed on or about XXXX XX/XX/XXXX. 

XXXX Bank then forwarded the loan to J.P. Morgan Chase for servicing. 

XXXX XX/XX/XXXX- First payment to Chase for mortgage due XXXX XX/XX/XXXX- attempted to pay mortgage online. Was given confirmation #, but did not know it was declined until about a week later. Chase would not accept payments prior to XXXX XXXX. 
XXXX XX/XX/XXXX - called Chase and paid over the phone, I stated it was a XXXX XXXX Account, gave routing and account number, was given confirmation that the payment was accepted. 
Also on XXXX XX/XX/XXXX- I logged into Chase Bank, selected to set up automatic payments, logged into XXXX  through the Chase website, chose the account to pay from ( the only account i have at XXXX  ) and appeared to have successfully set up automatic payments. 

XXXX XX/XX/XXXX- Received four items in the mail from Chase, two statements with the same due date, but different statement dates and amounts. The later statement date showing ZERO payments made, one past due. The other two items were a HUD assistance letter and a debt collection letter. 

XXXX XX/XX/XXXX- I Called Chase. After about 30 minutes on the phone I am told it is against Chase policy to accept payments from savings accounts at another bank. I ask to have the issue escalated to supervisor. Supervisor states Chase policy is not to accept ANY payments from other banks except those that are checking accounts. 

Chase has only stated this AFTER I tried paying three separate times and at no time prior had any of this been revealed. I access the Chase mortgage account via our Chase log in that we already had for a visa credit card through them. We have about two decades of excellent credit history with Chase ( again, we DID NOT choose them as a mortgage servicer ). 

BACKGROUND : Property is a single unit condo, purchased XXXX as an investment property. 
Opened a XXXX  Business Money Market account ( a type of savings account ) to keep all income and bills related to the property separate from personal accounts. 
Prior to this refinancing the mortgage, which was with XXXX XXXX, had been automatically paid every month from this same money market account. 

This is basically CHASE dictating that I set up another separate account ( which means another account that I must keep a minimum in to avoid fees ) in addition to the other problems this would incur relating funds transfer automation and payments for other operating costs.
Product: Debt collection

My ex sister in law received a call telling me that the person on the phone was trying to contact me. I called them back and left a message. I received a call today at XXXX XXXX onXX/XX/XXXX. I was trying to get information about this debt l owe. They stated that I owe {$1900.00} and they would take XXXX if I paid today. I told them to send me the paperwork about this debt. The person on the phone got really upset with me. I also told her that I do n't have a checking account and have n't sinceXX/XX/XXXX. She was very belligerent towards me because of my response to her.
Product: Checking or savings account

I deposited a {$450.00} check on XX/XX/2021 via the mobile app. I was notified of a potential hold lasting until XX/XX/2021. I called BofA to inquire and let them know this was a violation of my deposit agreement, the supervisor XXXX said she would pass the information on to her supervisor. The overall response was to call back tomorrow. OnXX/XX/2021 I was notified that the funds would not be available until XXXX XX/XX/2021.