23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Eastern Account System contacted me stating I had a bill with them in collection. I 'd never heard of them. They did not tell me who they were collecting for ( I have since found out ). I wrote to them, informing them I disputed ANY bill with them. I never heard from them again. About 2 months later, I received an email from a credit-monitoring service, stating I had 2 accounts in collection. They are refusing to remove these from my credit report, even though they clearly violated the FCRA/FDCPA.
Product: Checking or savings account

I was contacted by someone on XXXX on the XXXX of XXXX telling me I won something from current and XXXX XXXX I contacted my bank and sent them screen shots and the lady that I spoke to her name was XXXX assured me that I was ok and nothing would happen. I got paid that day around XXXX and by XXXX someone had taken money out of my account. I woke up about XXXX and looked at my account because I had been worried about it all day and there it was someone took XXXX $ out of my account. I am skeptical because this just happened to my XXXX account. So again I contacted the bank people and they said it would take up to 90 days to get finished not even 24 hours later I get a notification of them saying they fixed the problem I go in my account and the only gave me what was left in his account which was {$500.00}. I am now short {$490.00}. it is the banks fault there security failed. I told them immediately when I thought I had done something wrong and they didn't even care they just brushed me off and now I'm losing over half my check. They have proof that my money was stolen but refuse to give me bck my full amount they are FDIC insured this is illegal that I did not get back all my money because the bank fail to protect my account. 
The Bank : Current Banking ( Issued By XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a message from credit report my credit was down due to note posted by XXXX Credit card. 

I called the credit card spoke already with 3 people - XXXX, XXXX and XXXX. 

I received the information I made an application in XXXX, company sent me a card, charged me an annual fee that I did not pay.

I replied that : - I may have applied as we received several offers BUT- I never received a card from XXXX bank - They confirmed that XXXX Credit card neither received a notice confirming the card from me nor the card was activated - I never received any call from the card company to be careful before damaging my credit report - I want this debt and the account to be canceled and the notation in the credit bearoux to be removed. 

I am still waiting for some response form the card company. It been waiting for an hour on the phone. 

Thank you
Product: Checking or savings account

I am writing to fill a complaint against XXXX XXXX XXXX XXXX regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

After submitting a complaint through the cfpb I had I got a response saying the credit report was updated but when I check there has been no update or any changes I called the company to see what was updated and was told nothing has been changed by the agent at Equifax so I am submitting this again please make sure they do something about this issue I provided images with proof that the information reported is inconsistent and in accurate. 

( my original complaint ) - I checked my consumer report recently and noticed that it shows late payments on an account I have always paid on time. It is a consumer report agencies job to report accurate information and its important that my report is correct. This has a great impact on my life I have never missed a payment on the following account : XXXX XXXX, account number-XXXX. Please investigate this mistake and provide proof, such as statements, showing that I was late on any payments. If you dont have proof, please fix my report to show that all payments were made on time as that would be the accurate reflection of my payments that I have made and upheld on time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX. I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of the account with the original creditor which show 2 completely different balances. Furthermore, the original creditor stated that the account was sold to the XXXX XXXX. This debt you are claiming on my credit report is not mine and I was given no evidence of my obligation to pay this debt to this collection agency named XXXX. The FCRA requires you to verify the validity of the item within 30 days in which you failed. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. I look forward to an uneventful resolution of this matter.
Product: Mortgage

Roundpoint has an obligation to refund monies for overpayment and escrow at the time of the loan payoff. On XX/XX/XXXX I received an email showing the loan was paid in full and that the overage would to be mailed within XXXX business days. On XX/XX/XXXX I spoke with XXXX who stated we were getting {$1100.00} for the overpayment and {$1200.00} for the escrow and that it would be mailed in XXXX business days which would be XX/XX/XXXX - XX/XX/XXXX. She provided the reference number XXXX. I was unsuccessful in getting the refund and filed a complaint on their site requesting a call. On XX/XX/XXXX they replied via email saying a customer advocate would be calling me. Im still waiting. I have now been attempting to get the funds that are rightfully mine for over 3 months.
Product: Credit card or prepaid card

On XXXX/XXXX/2023, I was notified by email that my XXXX credit file had a new Hard inquiry from JPMCB in reference to a new credit card application. I did not initiate any such application. I contacted XXXX first and disputed the item. They filed my dispute and directed me to contact this website as well as the Creditor, JPMCB. I called JPMCB, verified my identity and reported the fraudulent activity. They accepted my dispute and will take actions to remove the inquiry. I am reporting the fraudulent inquiry here to further document this criminal activity.
Product: Credit reporting or other personal consumer reports

FIRST DISPUTE : XX/XX/XXXX, I certified mailed ( article mail # XXXX XXXX XXXX XXXX XXXX ) a dispute to Experian to re-investigate inaccurate accounts and personal information on my credit report. I requested documentation/proof proving why Experian considers the accounts deliquent or derogatory. Experian replied back only that the accounts were UPDATED and VERIFIED. Nothing was modified. 

SECOND DISPUTE : XX/XX/XXXX, I submitted an online dispute with Experian regarding inaccuracies on my credit report. Experian replied back, stating the accounts are UPDATED and VERIFIED. 
Did not properly re-investigate accounts and act within proper timeline. 

I requested documentation/ proof proving why Experian considers the accounts to be deliquent or derogatory which is a violation of 15 U.S.C. 1681i ( 7 ) and 15 U.S.C. 1681i ( 5 ) Experian failed to comply with any documentation or proof violating : Federal Credit Reporting Act : 15 USC 1681i ( 7 ) and 15 USC 1681i ( 5 ) with the below accounts : XXXX XXXX XXXX ( ACCOUNT # XXXX ) Inaccuracies INCLUDE : Payment Amount {$0.00}, Date Reported showing XX/XX/XXXX, Account Type Installment, 2 Year Payment History XXXX, Date of Last Activity XX/XX/XXXX. 

XXXX XXXX XXXX ( ACCOUNT # XXXX ) Inaccuracies INCLUDE : Balance Owed {$1700.00}, High Balance {$0.00}, Payment Amount {$0.00}, Past Due Amount {$0.00}. 

XXXX XXXX XXXX ( ACCOUNT # XXXX ) Inaccuracies INCLUDE : Credit Limit {$0.00}, ACCOUNT SERIOUSLY PAST DUE DATE/ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, OR CREDIT GRANTORS INTERNAL COLLECTION DEPARTMENT , Account Type reporting Installment, Account Status Closed, Last Payment reporting XX/XX/XXXX, Date Opened XX/XX/XXXX. 

LAWS VIOLATED BY EXPERIAN. 
SOURCE : FAIR CREDT REPORTING ACT. 

XXXX. Procedure in case of disputed accuracy ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

15 USC 1681i ( 5 ) If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information. 

Experian refused to remove an unauthorized hard inquiry on my credit report. 

XXXX XXXX XXXX ( THIS INQUIRY IS UNAUTHORIZED AND SHOULD BE REMOVED. ) I followed Experian 's requirements including driver 's license and bank card statements. 

Experian refused to update my name and address with proof of my driver license and a credit card statement. My Experian credit report showed inaccurate addresses and different variations of my name that should be updated. The only address that should appear on my credit report is : XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX. The only name on my report should be : XXXX XXXX.
Product: Debt collection

After carefully reviewing my latest credit report, I found multiple accounts that appear to be inaccurate and were added without my consent.
Product: Debt collection

i recently obtain my 3 credit reports and noticed accounts i did not authorize midland continues to contact me about this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX or Transunion ) consumer report, and I noticed that it is reporting my experience with these companies. 

The line of credit reported with these companies is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

XXXX  XXXX XXXX acct # XXXX XXXX  XXXX  acct # XXXX XXXX XXXX  XXXX acct # XXXX XXXX  acct # XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX  acct # XXXX XXXX  XXXX  acct # XXXX XXXX/XXXX  acct # XXXX Your company is in clear violation of the law. 15 U.S. Code 1681 ( A ) ( I ) -EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( I ) a report containing information solely as to transactions or experiences between the consumer and the person making the report! 

THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( Put the creditor Name here ) making the report is NPT INCLUDED on my Consumer report! 

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) put creditor name here ) that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 

YOU HAVE VIOLATED THE FCRA 15USC 1681A 2Ai by reporting the transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 

You have XXXX calendar days to update my utilization to 5 % or below and delete all Utilization from the below account. 
( List accounts with high utilization here ) Failure to respond satisfactorily with deletion of the above Utilization will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance- 616. Civil Liability for willful noncompliance [ 15 U.S.C 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that 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 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX
Product: Mortgage

The bank that originated my mortgage XXXX XXXX was bought by South State Bank and now the loan statement/payment invoice is mailed much later than before. It is not mailed until the XX/XX/XXXX of the month but the payment is due on the XX/XX/XXXX of the month same as before. If the statement arrives on XX/XX/XXXX or later, there isn't much time to mail a payment check to be processed by the due date. Considering there may be holidays or interruptions in mail delivery due to weather, etc. or if I am away from home when the bill arrives, it would seem that this arrangement is a deliberate attempt to force consumers to miss the due date which could have adverse repercussions. Before the buyout, I would generally have the payment notice in hand much earlier each month. Also, South State does NOT provide for online payments for mortgage only customers. I've been told that I must open a checking account with South State in order to make electronic payments and this would still require a two step process to transfer money into the checking account and subsequently make a loan payment from that account. This too seems like an attempt to generate additional fees for servicing the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Information MONTEREY COLL SVC XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The above company has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently.
Product: Credit reporting or other personal consumer reports

Earlier this year I was involved in an accident. My vehicle was deemed a total loss but for about XXXX months after my lien holder kept reporting late payments on a car that was neither in my possession or operable. I have proof I did not have my car and it was deemed a total loss before it even began to be reported as " late ''. This has affected my credit score tremendously.
Product: Credit reporting or other personal consumer reports

Seventh Avenue claims I purchase items from their company XXXX and XXXX. I did not purchase anything from them. I have complained to www.identitytheft.gov. I have not heard back from Seventh Avenue in regards to this issue. 

Seventh Avenue needs to prove I purchased anything from them. Send a copy of a cancel check or money order, or a bank account number. What state was I living in when the purchase was made? Where were the items delivered? What was the address? 

They have not answered these questions. So here is my complaint again to them. I will continue to complain and send complains until this is resolved. 

Thank you XXXX
Product: Credit reporting or other personal consumer reports

Re : Reinsertion Of previously deleted Inaccurate/invalidated items Check report Report Date : XX/XX/year> Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items were deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or I will seek litigation. 
( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business nameandaddress of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 
under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the item from my file immediately. 
NameofAccount : Reported balance Account Number : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Compliant # 4 : Same issue ( not posting payments when received and not posting payments in a timely manner ). 

Response to Ditech statement dated XX/XX/2019 -- XX/XX/2019 listed unpaid payments for XXXX, XXXX, XXXX, XXXX, and XX/XX/2019 in the amount of {$5000.00}. 

False Info : XXXX payment ( Check # XXXX ), XXXX payment ( Check # XXXX ), and APR payment ( Check # XXXX ) were processed and cleared through the financial institution. 

The delinquency that exist presently was created when Ditech returned the XX/XX/2019 payment ( Check # XXXX ) and XX/XX/2019 payment ( Check # XXXX XXXX. The payments were received by Ditech via USPS Tracking # XXXX XXXX XXXX. 

Copy of attached letter post marked and mailed XXXX XXXX to Ditech and XXXX XXXX XXXX XXXX, XXXX.
Product: Vehicle loan or lease

In XXXX I had an XXXX  that occurred in the workplace. The company I worked for terminated my workers comp, which caused me to default on my loan. I could no longer afford to pay for the car through Ally Financial. I tried to fight the decision and went through a long legal battle for nearly 2 years. The appeal was going to a higher court set for XX/XX/XXXX. 

An independent medical evaluation was utilized by my company to determine what they thought how I felt. Their terminated my XXXX based on this XXXX in XXXX of XXXX. We planned to fight this ruling ( citing unjust ), but due to Covid, we never got our turn in court. The court system did a quick review of the case and cancelled our XX/XX/XXXX date. We were unable to fight. 

I am asking for a goodwill removal of this account from my report as I did not want to turn the vehicle in, A worldwide pandemic did not allow me my day in court which caused me to not to be able to afford the vehicle. The negative reporting of this account is having a negative affect on my credit health as well as my financial health.