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

The FCRA says you have a duty to investigate. The 11th Circuit has clarified that the Fair Credit Reporting Act ( FCRA ) requires furnishers of credit informationlike their credit reporting agency ( CRA ) counterpartsto conduct " reasonable '' investigations of consumer disputes. The decision also identifies various factors that determine whether a furnishers investigation is " reasonable. '' The reasonableness of an investigation also depends on " what the furnisher knows about the dispute. '' The 11th Circuit explicitly rejected the argument that a furnisher may reduce its investigation simply because the CRA failed to exhaustively describe the dispute in its Automated Consumer Dispute Verification ( ACDV ) form. " When a furnisher has access to dispute-related information beyond the information provided by the CRA, it will often be reasonable for the furnisher to review that additional information and conduct its investigation accordingly. I have disputed several times and pointed out the inaccuracies yet you still continue to violate my consumer rights by " UPDATING '' the accounts instead of removing them. THIS IS ABSURD! 

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

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts XXXX, XXXX, XXXX, XXXX, XXXX and XXXX has violated my rights. 

XXXX5 U.S.C 1681 section 602 A : states I have the right to privacy.

15 U.S.C 1681 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Page9 of 9 from my TransUnion credit report file no : XXXX, issued XX/XX/2022. A paragraph titled Clubs & Subscriptions Activity. Is created ( this is second time in two years ) has subscribed me magazines in an attempt to get time on their side and force me into this Debt which I discussed with a receptionist at XXXX. Info is in the slanderous paragraph followed by more lies. TransUnion sends me emails at my request but when I was looking for a vehicle to purchase An email said We can provide a lender for you with top ranking lenders I applied and got calls and text for the fast cash lenders. Small amounts but TransUnion s help included all apps I didn't fill out. All of them hit my credit with hard and soft inquiries Some five or more times a day each. Now my score has fell lower than last year at this time. In XXXX or XXXX Before applying for auto loans and shopping I had gotten my score to XXXX. Now I can't get loan for bicycle/motorized. I've sent a picture of my report items discribed poorly here. You have to see it. Look for my email with picture of pg1 of 9 TransUnion and pg9 of 9
Product: Money transfer, virtual currency, or money service

I currently have my personal PNC account connected to an app called XXXX that will take round ups of money spent and invest into stocks for you. I just recently started another PNC account and when I tried setting that account up on XXXX  I was notified that PNC has changed something that does not allow for their customers to use XXXX  anymore.
Product: Checking or savings account

To Whom It May Concern, I am filing a formal complaint against Bank of America regarding a series of irregularities on my XXXX  account that have led to a false negative balance and considerable confusion regarding my actual available funds. Furthermore, my recent phone interaction with the bank was unsatisfactory and involved misleading explanations. 

Chronology of Events : XX/XX/year> : I made a {$300.00} transaction, which was immediately deducted from my account and correctly reflected in my available balance. 
XX/XX/year> ( Thursday ) : I observed an unexpected increase in my account, which created the impression that additional funds were available. Based on this appearance, I proceeded to use the seemingly extra funds. 
XX/XX/year> ( XXXXXXXX XXXX  EST ) : At the end of the day, my account showed a balance of approximately {$76.00}. I believed this figure accurately indicated my remaining funds. 
XX/XX/year> : Upon reviewing my account this morning, I discovered that my balance had shifted to a negative amount of approximately - {$280.00}. I later realized that the original {$300.00} transaction from XX/XX/XXXX was removed on XXXX XXXXartificially inflating my available balanceand then reposted on XX/XX/XXXX, which resulted in the negative balance. 

Phone Call Detail : On XX/XX/XXXX at XXXXXXXX XXXX EST, I contacted Bank of America to dispute the issue. During the conversation, the representative attempted to attribute the discrepancy to an alleged overdraft from a separate XXXX transactiona claim that was not only inaccurate but also felt like an effort to deflect responsibility from the clear error in transaction posting. 

Additional Actions : To prevent further complications and avoid any overdraft fees, I have taken additional steps today to remedy the negative balance, despite the fact that this situation was caused by the banks own transaction reordering. 

What I Am Requesting : In light of these events, I respectfully request that Bank of America : Correct my account by restoring the {$300.00} transaction to its original posting date of XX/XX/year>. 
Credit the {$300.00} back to my account ( pending a full investigation ) to restore funds I mistakenly spent based on the inaccurate balance. 
Adjust my transaction history and available balance to accurately reflect the true sequence of events. 
Provide a formal written explanation detailing why the {$300.00} charge was removed on XX/XX/XXXX and subsequently reposted on XX/XX/XXXX, and why I received misleading information during my phone call. 

The handling of these transactions has disrupted my financial management and eroded my trust in Bank of Americas practices. I expect a prompt, thorough review and resolution of this matter. 

Thank you for your immediate attention to this issue.
Product: Credit card or prepaid card

I received a credit hard inquiry on my credit report from SYNCB/JC PENNEY to open a credit account. I did not request a Credit card or open line of credit from JC PENNEY. I have contacted XXXX and filed a dispute with them on my credit report. A rep at XXXX told me to file a report with the FTC/CFPB since I may be a victim of identity fraud.
Product: Debt collection

My husband was issued a threat of a judgement being placed against him from Mountain Land Collections LLC in XXXX and we spoke with XXXX in their office, resulting in an agreed upon monthly payment plan of $ XXXX beginning XX/XX/2023. I requested confirmation of this agreement ( 8 times ) and never received it. Then, within days of our verbal agreement, our joint bank account was debited in random amounts for hundreds of dollars, repeatedly. These charges were NOT approved, and after speaking to XXXX XXXX in their office, she confirmed OUR bank account was attached to OTHER files they had and we were paying other peoples debt! She assured us on XXXX this was corrected and again the next day XXXX, another fraudulent charge appears! They are not responding and still have not confirmed our agreement and are still withdrawing from our account, illegally.
Product: Checking or savings account

In XX/XX/year>, I received the attached promotion from First Horizon Bank, advertising a {$450.00} bonus if I opened a XXXX  checking account by XX/XX/year>, maintained a {$5000.00} bonus, and executed at least XXXX debit transactions per month thereafter. See statements attached dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I complied with all of these conditions and XXXX XXXX failed and refused to honor the promise to pay me the {$450.00} -- -the only reason I agreed to open and maintain a {$5000.00} bonus for almost 6 months, interest free. I believe XXXX XXXX never intended to comply with their promotion based on comments I received from their local branch. The attached paper statements ( which XXXX XXXX fraudulently charged me {$2.00} per month to receiver ) show clearly that I satisified the conditions of the promotion. When I called and texted Customer Service on XX/XX/XXXX, they continued to stall, stating they were applying for an " exception '' from " marketing '', but after a month, they still would not honor their promotion.
Product: Mortgage

I applied for assistance with my servi cer Nationstar to save my home. Nationstar made an error and mis valued my home by  an enormous amount. They valued my home at {$400000.00} and the actual value is closer to {$260000.00}. This caused me to get denied. I had hired an attorney to assist me with the paperwork and they appealed the denial for me within the timeline to appeal on   XX/XX/16    .  Nationstar ignored this appeal advising there was a mistake in their review. Per their reply  since I did not actually do the work they were su pposed to do ( Giv e them an actual appraisal ), they say there is nothing they can do and the program that I qualify for no longer exists. I think this is terrible and maybe illegal. How can a servicer ignore something that is so drastically wrong. Not only is Nationstar negligent in denying my modification request with a false grossly inaccurate valuation, but they are also doing their investor ( owner of the loan ) a great dis service.I am willing to pay my entire loan. The owner of the loan is about to take a massive loss based on their false valuation. My attorney be lieves Nationstar is d oing this to evade actually reviewing me ( with the correct information ) for assistance because they simply want to foreclose.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : XXXX XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Credit reporting or other personal consumer reports

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency.

I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

LIST OF ACCOUNTS BEING CHALLENGED 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 or other personal consumer reports

This CFPB has been filed to request pursuant to FCRA subsection 605B ( 15U.S.C.subsection 1681c-2 ) that you, the XXXX, XXXX and the Trans Union credit reporting agencies , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts and collections. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. Ive attached a copy of your consumer credit report showing the inaccuracies. The aforementioned accounts and collections maintained you were not opened, made or initiated by me. I have attached a copy of FTC Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

I had a personal loan with Discover that was used to consolidate debt. I 'thought " I paid off the loan in XXXX when I made a large payment of around {$17000.00} dollars. I paid through their website ; however, they applied that amount as monlthy payments. I had not heard from them until XXXX of XXXX. They said I still owed in excess of {$500.00}. Their management failed to recognize their blame and I had to pay that amount today as of XX/XX/XXXX. They loan should have been paid in full when they received the large amount all at once rather than applying a large sum monthly and utilizing the large payment of $ XXXX interest free for the length of the loan. 

I believe discover should return my payoff amount I paid today of ~ {$540.00}. I think this is a predatory action and they should be made to return my money!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax violated U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. Ive sent numerous certified letters over the last 18 months! Nothing has been done!
Product: Debt collection

Midland Credit Management company has sent me a lawsuit and shows the total amount they are collecting, but has not provided an itemized break down of what the debt is for.
Product: Credit card or prepaid card

I requested a replacement XXXX Card from the company XXXX around mid XXXX and paid approximately {$XXXX} for the replacement. I got notified it was shipped approximately XXXX  days ago, but I havent gotten the card yet. Upon checking with XXXX  support theyve informed me they deactivated my XXXX  card that I am yet to get in the mail, and said that I will no longer be eligible for a XXXX  card. 

Ive escalated the matter to management and made several requests to get the {$XXXX} I paid for the XXXX  card refunded.
Product: Mortgage

I had an outstanding late balance with Bayview of {$1800.00}. ( Actually from ocwen ) On XX/XX/20 I paid late charge balance of {$1800.00}. I have the canceled check as proof. On XX/XX/20 Bayview issued a  statement ( attached ) ) and indicated it was not paid. I called customer service and asked if they could update the account on. XX/XX/20. The representative apologized and said there was nothing he could do. I also asked him for a copy of my escrow statement and he was also unable to send the document. I looked for the document online and there was no copy. Im requesting a review of the escrow account as well as update the payment of {$1800.00} Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Completed online dispute with the credit reporting agencies on XXXX XXXX, 2017. Currently still showing the disputes are in progress to-date. Below are the accounts that are in dispute : AMCOL SYSTEMS INC XXXX XXXX XXXX XXXX, SC XXXX {$1600.00} EXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX {$620.00} AMCOL SYSTEMS INC XXXX XXXX XXXX XXXX, SC XXXX {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$460.00} & {$120.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Debt collection

I have paid all final charges from XXXX. I paid all fees and charges before canceling service.
Product: Checking or savings account

Opened an account with Fifth Third Bank about 1 month ago. The banker misspelled my last name when typing it into the system. When he handed me paperwork to sign to open the account I noticed the misspelling and asked that it be corrected before signing anything. He corrected it and everything I signed had the correct spelling of my last name. I waited for the debit card to come and when it did it had that same misspelling that I had corrected before signing anything. I have tried twice to get the card reissued with the correct spelling of my last name and both times Fifth Third Bank has sent debit card replacements with the same misspelling despite the customer service agent verbally verifying the correct spelling of my name over the phone.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the debt you are attempting to collect from me, as I have reason to believe your company is not properly licensed to operate as a debt collection agency in the state of Louisiana. 

I was recently notified that your company had placed a collection account on my credit reports for an alleged debt of {$390.00}, and upon investigation, I have been unable to find any record of your company being licensed to collect debts within my state. 

Therefore, I consider this debt collection attempt to be in violation of Louisiana State Law RS 9:3534.1 ( B ), and I demand that you immediately cease all collection attempts on my XXXX, XXXX, and XXXX credit reports regarding this alleged debt. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2016, I was involved in a car accident, which totaled out the vehicle. That same week, I contacted West-lake Financial, and submitted a claim to them to let them know what happened. My Insurance was handling the claim to pay out the value of the vehicle, and because I was paying for Gap Coverage, they would handle the rest. West-Lake financial picked up the Vehicle before my Insurance Company could send them the payment for the value of the car. This was also labeled as an Repo on my credit report, which in fact it was not.

I have been on the phone with West lake several times, with no cooperation what so ever. My insurance company claimed that, because they picked up the car, they were supposed to contact them for payment of the value of the vehicle, and they did not.This is severely impacting my credit report, and i just need for this to be resolved.
Product: Debt collection

Once a month I receive a phone call from XXXX XXXX XXXX, which claim they are a mediation company, the individual on the phone states they are attempting to collect a debt. After I verify that I am the the person they are trying reach with the last 4 digits of that social security number the operator tells me they are trying to collect on a Chase acct. I inform them that I never had a Chase acct, have not had the name they show on the acct for the last 6 years and I want the threatening calls to stop. After that they either put me on an indefinite hold or hang up on me. 

If I let the call go through to voice mail, it is a recorded message stating they are going to serve me at my home or office but the operators they can not verify either address.
Product: Checking or savings account

XXXX XXXX2022 {$950.00} Zelle XXXX XXXX2022 {$1000.00} Zelle Supposed to be security and first month rent now he blocked me and wont send me my money back.