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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below. 
XXXX XXXX XXXX : {$0.00}
Product: Checking or savings account

https : //www.firstrepublic.com/bankingonline website is broken. It's been several weeks now and First Republic Bank still refuses to respond to my communications reporting the problem. 

After login credentials are inputted, it hangs on a blank page. This happens with multiple browsers including XXXX and XXXX. It used to work OK and nothing has changed on my end, so something broke on First Republic Bank 's side. 

Could CFPB please help me get First Republic Bank to ( a ) respond to my communications, and ( b ) fix the issue with their web site? Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

URGENT - Failure to Adhere to Fair Credit Reporting Act ( FCRA ) Requirements Dear Consumer Financial Protection Bureau ( CFPB ), I hope this letter finds you well. I am writing to bring to your attention an alarming violation of my rights as a consumer, as stipulated in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 1 ) ( A ). 

On XX/XX/2023, I submitted legitimate dispute letters to XXXX, XXXX, and Equifax, the three main credit reporting agencies. According to the FCRA, they are obligated to respond to my dispute within a 30-day window. However, despite the ample time given, I regret to inform you that I have yet to receive any communication from these agencies regarding my dispute. 

This failure to respond within the stipulated timeframe is a clear violation of 15 USC 1681i ( a ) ( 1 ) ( A ) of the FCRA. The unresponsiveness of these credit bureaus has not only left my dispute unresolved but also demonstrates a blatant disregard for the regulations designed to protect consumers like myself. 

I respectfully request your immediate attention and intervention in this matter. It is vital that these agencies are held accountable for their compliance with the FCRA, and that my rights as a consumer are safeguarded. 

I appreciate your time and prompt attention to this urgent issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows an opened account with XXXX XXXX XXXX. 
Account # XXXX, opened XX/XX/2016. I have already disputed this with all three credit bureaus & the XXXX company. This is fraud. I have a fraud alert on all accounts. I need this deleted off my credit report ASAP. This account & inquiry does not belong to me & I did not authorize it. I have disputed this to TransUnion & it still has not been removed from my credit report. This is damaging my credit & I am demanding it to be removed ASAP.
Product: Mortgage

A mortgage loan officer from Huntington Bank contacted me to give me options on being pre-approved for a mortgage loan when I began looking for a home to buy. He has given me several pre-qualification letters since XXXXXXXX XXXX XXXX stating that I was pre-qualified for a loan from between XXXX and {$120000.00}. Based on that information I have subsequently spent {$400.00} on three separate home inspections believing that I would be able to purchase a home the closing on the homes did not work for other reasons however he had me believing that I would be able to
Product: Credit card or prepaid card

I received an alert from XXXX XXXX letting me know a cc card was opened with a {$9200.00} limit on XX/XX/2021. I did not open this acct. My first disputed stated i did not know this account and they refused to close and remove this. I did not open this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a lady a few moments ago at Medicredit Inc XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX. I called to get the collection/chargeoff removed from my XXXX XXXX credit report XXXX I paid the account in full and have the receipt. The lady told me that the can't remove the collection/chargeoff from my credit because they can't release it. I am trying to buy a home and although the account shows XXXX balance, the lender says because it still shows as a collection/chargeoff it affects my financing status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute was filed with XXXX  and XXXX  online XX/XX/2020 for accounts that DO NOT BELONG to me on my credit reports. I have also sent information to prove who I am by mail to XXXX, XXXX  and XXXX  and dispute these accounts. I have contacted the lenders of origin and collection companies in attempt to have erroneous accounts removed from my credit report. XXXX Customer Service Executive from NY has submitted paperwork for two accounts to be removed from credit reports for total of approximately {$1000.00}. Yesterday received letters from XXXX XXXX stating that these accounts were verified in dispute and belong to me. I called them and my social security number does not match the one on the accounts. I am not even a XXXX consumer. They were unable to resolve. Call to and certified letter sent to Westlake Financial and they have yet to respond to dispute of approximately {$17000.00} written off and collection of approximately $ XXXX XXXX  XXXX in collection by XXXX {$100.00} has not respondedXXXX XXXX XXXX collections {$1000.00} continues to show on reporting. I am attempting to have a VA Mortgage loan processed and these accounts are causing me financial damage and the VA is unable to complete the loan until the items in dispute are removed. I have all documents to prove who I am, where I have lived for the past 36 years, my social security number, etc. The remainder of my report shows excellent credit with an exceptional payment history on MY accounts. These credit bureaus have about 20 addresses listed- two of which are accurate and 14 phone numbers-two accurate. How quickly these credit bureaus and credit reporters can enter wrongful information and slowly do they work to clean up their mess. It is a vicious undertaking to personally attempt to correct the errors of, collection agencies and credit reporting. There should be a dual entry of information into these systems. One person enter and another have to enter to make sure that all information matches.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft. The info listed below appears on my credit report, does not relate to and transaction ( s ) that I had made. It is the result of identity theft. 1 ) XXXX XXXX XXXX # XXXX, date opened XX/XX/XXXX XXXX ) XXXX XXXX, acct # XXXX, date opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX, acct # XXXX, date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX, date opened XX/XX/XXXX XXXX ) XXXX XXXX acct # XXXX, date opened XX/XX/XXXX XXXX ) XXXX XXXX, acct # XXXX, date opened XX/XX/XXXX XXXX ) XXXX XXXX, acct # XXXX, date opened XX/XX/XXXX These accounts resulted in fraudulent hard inquiries and collections on my consumer FICO report. I demand that the fraudulent items be removed from each of my consumer reports and collections activites related to cease persuant to my rights in the FCRA and FDCPA laws
Product: Checking or savings account

On XX/XX/XXXX i opened an account with pnc bank. PNC initiated an ACH for XXXX to fund the account. The money was pulled from my bank account with XXXX but never ended up in my pnc account. I contacted PNC multiple times and they have not been able to give me an answer on where the money went. They said that they recieved the momey then transfered it back to my XXXX account via ach and gave me a trace number. They also told me on my next call that they never recieved the money. Its XX/XX/XXXX and they still have not been able to find out where the momey went.
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 right to privacy and confidentiality under 15 USC 1681. Accounts.. XXXX # XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXXXXXX XXXX # XXXX, XXXX XXXXXXXX, # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX # XXXX. Has violated my rights under sections 15 U.S.C 1681 section 602 A States i have a right to privacy, 15 U.S.C 1681 section 604 A 2 : it also states a consumer reporting agency can not furnish a account without my written instrutions,15U.S.C 1681c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer reports containing any of the following items of information any other averse item of information, other than records of convictions of crimes which antedates the report by more than 7 years, U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have tried to modify my mortgage on two various occasions once in XX/XX/2020 and the other in XX/XX/2020 the first time the service company came back with a higher amount than the payment I was paying! The second time they told me there was nothing they could do! I want to keep my home but I need a modification I can not pay {$1100.00} per month. The service company as advised me that to reinstate the mortgage I need to now pay {$11000.00} which includes all their fees etc. Please I need some help! Thank you! The service company is Fays servicer!
Product: Credit reporting or other personal consumer reports

They threw credit are reporting false information on my credit report
Product: Checking or savings account

I closed my checking and savings account with CitiBank at the end of XXXX of 2021. There was a balance of {$10000.00} and I agreed to have CitiBank mail me a check with the balance. The representative said that it will take between 10-15 business days to receive the check. Five phone calls and two months later, I still have not received my check. I spoke with multiple representatives and their supervisors, but they can't resolve this issue and do not offer any alternative to sending a check.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Account Name : XXXX XXXX Account Number : -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. 

Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Transunion is actively prohibiting me from disputing my inquiries by lettering down their app and by interaction that send you to a broken chat
Product: Debt collection

I applied for a rental unit and was denied. That made me discover this item on my credit report. I am not familiar with this creditor. I have a great payment history on all my accounts. That is not my account with them. They have ruined my credit report. I do not owe them any money. 

The creditor-IC Systems INC XXXX XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Debt collection

This is a robocall so I am unable to talk with anyone. They call everyday and sometimes twice a day. As I have never heard of this company, and the call says the company is Monarch Recovery, I XXXX and it is listed as a collection agency. I know they are calling the wrong number as I have no debts except a mortgage, which is not behind, and my credit rating is XXXX!!!
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that these payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Credit card or prepaid card

Hello CFPB I have started this case because the last two months have been a nightmare dealing with TD bank Credit Card service. 

Just for a quick recap, on XX/XX/XXXX i lost my job, i have been going through some personal medical issues as well and my partner has been kind enough to handle the finances for me, just recently on XX/XX/XXXX i have paid off all my Credit Cards and shortly after i started using them again. I have one CC with TD, for the limit of only {$500.00}, since the payoff i have used the amount of XXXX in total from their credit line. My partner was helping me pay off and he realized on XX/XX/XXXX, just on due date that my balance kept going up, he asked me if i had used the card and i explained him that i have not. 

After we went through the statements we had realized that TD had charged us a late fee for every single months since XX/XX/XXXX. As of yesterday which it was the XXXX due date we had 4 fees, two of them for {$27.00} and two for {$37.00}. They did remove one of the fees and that means that we were only left with three of them plus a XXXX XXXX monthly interest. 

We stopped paying in XX/XX/XXXX and my parter, XXXX advised me to escalate this case with them to have the fees reviewed, We have a total balance of almost {$400.00} and we have just used {$200.00}. We feel TD is a predatory institution that has not just unfairly charged fees, but they have repeatedly declined to help us resolve the fees. 



I spoke to one of their managers, i feel like she was the only one that was honest, she said that we have paid less then the minimum amount but the payments have been submitted on due date. We can assure you that we only have paid what the minimum amount is advised on their system. 


I gave them a chance till yesterday, XX/XX/XXXX to review their information before we took any additional steps to resolve this. We are not comfortable with their politics and most importantly we have come to the realization that their practices have possibly hurt a lot of people. We are willing to share any information related to the matter to get to the bottom of this. 


Please see the three attached statements for the last 3 months, we have paid the minimum amount advised on the app in all the last 3 months, and we have received fees on all three of them. 


Please help us and the American People from this PREDATORY INSTITUTION, they are in business to take advantage of the hard working people so their top bankers can make millions a year. 


Respectfully
Product: Debt collection

The following company never proved their methods of verification through several stages of written credit disputes : FMS FINANCIAL SOLUTIONS The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports. 

The company failed to verify the debt IN WRITING with original documentation of proper verification of debt per FCRA guidelines and within the given timeframes. Company also failed to remove the debt per FCRA guidelines and by law must remove the debt for failure to provide proper verification within the given guidelines of the dispute process.
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. 
XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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 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: Bank account or service

XX/XX/2016 CFPB : JPMChase charged me {$18.00} per month for having Chase Accounts, when I was paying money from those Chase Accounts to Chase, as my US Bankruptcy Court Plan, regarding my Chase LIBOR-Indexed ARM Loan. JPMChase violated US Bankruptcy Court Policies by charging me the {$18.00} per month and overcharging me LIBOR, through the LIBOR Overcharge Conspiracy of JPMChase with XXXX and the XXXX. 
I demand that JPMChase remove all Credit Bureau Information detrimental to me, refund all its fees ever charged me and issue me Release from Mortgage. 

XXXX, IL XXXX
Product: Debt collection

A collection agency by the name of AFNI showed up on my credit in the amount of {$1300.00} in or around XX/XX/XXXX/XX/XX/2018. I disputed the amount at that time and requested for them to validate the debt by showing my original signature and contract showing this amount. I have no contract or signed any documents with AFNI. I also requested validation of a contract between them and the original creditor. I was informed they did not have information on the account and it would have to come from XXXX. XXXX no longer has the account and they are not reporting it. I again requested validation of the debt in or around XX/XX/2018 and was again informed they have no information on the account. I called on XX/XX/2018 in one last attempt requesting validation of the debt and was informed once more, that they have no information and can not pull my file. AFNI has failed to validate this debt or provide any documentation with my original signature or contract within 30 days I request for this collection to be deleted off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX beyond belief. I found information that was unverifiable, invalidated, inaccurate, and highly questionable that the agencies didn't make sure it was reporting 100 % on correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my report and under 15 U.S. Code 1681e ( b ) and 15 US Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report & ask the credit bureas to check & make sure everything was complete & 100 % accurate for the following accounts according to 15 USC 1681i ( 5 ). 
Account : XXXX XXXX XXXX XXXX XXXX I waited 30 days & received my investigation & noticed every was still the same. The consumer reporting agency which experian did not remove or modify anything. The date opened is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on all three credit bureas. 
Which is a violation. This is impacting me from moving forward to obtain business credit for my business. 
I attached my previous credit report with my new credit report to show how experian has violated my right.
Product: Mortgage

Mistakes and delays in issuing escrow refund for paid-off mortgage loan. 

This servicer sent our mortgage escrow refund to the wrong address, then stated we needed to wait 30 days to reissue the check. After 30 days, they claimed we needed to submit a change of address form via fax or mail. It then took over a week and 2 faxes and an email to get the address corrected. 

After this was finally accomplished, they stated a new check would be issued in XXXX days. After 10 days had passed without reissue of the check, Dovenmuehle Mortgage 's reps and supervisors offered various excuses including " mail '', address changes, " process '' etc. 
We have waited 2 months for the return of this money and have made 9 phone calls, 2 faxes, 1 email over the past month on the matter. 
They still claim the refund is " processing ''
Product: Debt collection

sent on XX/XX/2024 Dear XXXX, I am contacting you regarding my credit report, in which you reported inaccurate information. The date opened for this account is incorrect; according to XXXX, the open date for this account is XX/XX/2024. XXXX is showing an open date of XX/XX/2024 and XXXX is showing an open date of XX/XX/2024. I request that you verify this information and remove this erroneous account from my credit file as soon as possible! The item in question is Bull City ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX