23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Ac t ( FCRA ), section  623, subsection ( 8 ) ( D ) .   The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section  623, subsection ( 7  ) ( A ). To date, I have not received any documentation in compliance with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts  may  constitute the reporting of false information, causing damage to my reputation and future credit worthiness.   To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.   It is my understanding that the FCRA  623 ( 8 ) ( E ) ( iii ) e stablishes a time-frame for these issues, and that section  621 of th e FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as :  1.  XXXX   XXXX     XXXX    This account has never been verifed and I have never done business with this company. Error please delete.    2.   XXXX   XXXX   XXXX  This account is a duplicate of the same account above error please delete.
Product: Mortgage

We have been trying to short sale our home for XXXX months!!!! CitiBank has been continuously and purposely been delaying their review so they can auction our home off. We and our attorney have continuously submitted EVERYTHING they ask for in a timely manner. It takes Citi weeks to respond to our phone calls and emails and when they do finally respond, they say that what we sent has expired ( because they took too long to respond!!! ) The file is also in homepath because it is a FNMA loan. The file keeps getting closed out of homepath because of Citi 's lack of response. We have a sale date now on Wednesday even though Citi confirmed that they finally had everything they needed to issue an approval on this file after XXXX MONTHS of reviewing it. Citi promised us that this sale date would be cancelled but it is not. PLEASE HELP!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, and Equifax are reporting late payments for an account that they are claiming is now charged off while XXXX is reporting it as a charge off with no payment history. How is this even legal? I was never late on the following account XXXX XXXX XXXX XXXX XXXX first and foremost, and the information is inconsistent between the 3 credit bureaus. They were notified twice to validate this account that they are inaccurately reporting on my credit report, but they have failed to do. I will attach a copy of my credit report to show the inconsistencies between all 3 bureaus. How are you reporting different information when the data furnished should all be the same? I have tried to have this information corrected for over 6 months, that is why I am now reaching out to CFPB to help with this matter. I am under the impression that the credit bureaus are disregarding disputes because there is no reason that this wasn't handled in a reasonable amount of time. If I have to bring this to court and hire an attorney, I will be asking for {$2000.00} per violation. At this time, I am only asking for the late payments to be removed and/or the account to be deleted. If you can not show me your method of validation and how this meets FCRA requirements, then please remove the late payments. I will include the letter as well as the time stamp. Please conduct a proper investigation and update this account. My email is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage with Fifth Third Bank and was in good standing until I got a forebearance in XX/XX/XXXX after the pandemic began. I was given XXXX months of grace. In XXXX of XXXX, I applied for a loan modification as XXXX of my options for how to come out of the forebearance. They said the review process would generate a new loan agreement with a new monthly amount due. 
They started the paperwork and told me I would have a new mortgage payment deal set up in XXXX weeks. 
In XXXX, when I had not heard back, I called in and was told that they were backed up and that it would take another XXXX weeks. 
In XXXX, they told me my loan was still under review and that I would be receiving papers in the mail. 
In XXXX of XXXX, I called again, and again I was told my loan was under review, but this time, I was also directed to the XXXX XXXX XXXX where I could track my case. 
I saw no evidence of this on the site, but their representatives confirmed AGAIN in XXXX that they were reviewing my case. 
XX/XX/XXXX, I asked again for a response and was told that my case was still under review. 
Today ( XX/XX/XXXX ) I learned that I have been reported as being XXXX days late on my payments! 
I have screenshots of this exchange. I have asked over and over again if I ought to make any payments and was told that this would complicate the review process. I have constantly asked if this review process was going to negatively affect me and they ALL confirmed that my records clearly show that I am in process for a mortgage adjustment plan. Now, my credit score has dropped XXXX points and I have been marked for delinquent payments!
Product: Checking or savings account

They took over XXXX dollars from my account them close it and wouldnt tell me why they close it
Product: Credit reporting or other personal consumer reports

Spoke with manager : XXXX ( Employee ID : XXXX ) - required mailed in SSN card to update to correct number, which may result in my SSN being stolen and misused. Was explicitly told Equifax will not provide an electronic encrypted method of transmission to keep my PII and SSN safe. 
I find this unacceptable against XXXX XXXX XXXX controls framework for keeping customers account data safe, and a critical finding of extreme risk. This is especially relevant following their customer data breach in recent years.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against [ Credit Bureau Name ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ).

On [ Date of Credit Report ], I discovered discrepancies in the following account ( s ) : Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Under Section XXXX of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Debt collection

I have disputed this in the past and would like only the date of first delinquency so I can know the exact date that it comes off my credit report and so I can dispute it if it is incorrect. I have attached a previous response from XXXX but the information is not clear about the date of first delinquency and the date it will be off of my credit report. In the attached documents it appears that it first became delinquent in XXXX of XXXX and was charged off in XXXX of XXXX.
Product: Mortgage

My husband and I are in the process of divorcing. Our children and I remain in the home that he and I have a mortgage on through Nationstar Mortgage. Due to the debt to value ratio being severely upside down my husband 's lawyer advised him to file bankruptcy on the home. He refused to speak with the mortgage company. They called me and I informed them of our current situation. I asked them if there were any options available for me to be able to take over the payments and full ownership of the home. They provided me with a few options and informed me that because my husband had stopped paying the mortgage for the past 2 months that if I wanted to have any chance of saving the home I had to make up those payments as well as make the current payments. I let them know that as a stay at home mom who was just starting back into the work force I was n't positive that I would be able to do that. The representative told me it was the only way and that I would have to make XXXX {$750.00} payments for the next two months or the phone calls would n't stop. I told him I was n't comfortable making the commitment at that time on the phone but would think about it and get back to him. He continued to pressure me into setting up the payments before I got off the phone. I refused XXXX more times and his pressure continued and so to get off the phone with him I agreed with the intent to call back and cancel the payments. I called back before the first payment was due at the end of XXXX and said I could not afford the payments and asked for them to be cancelled. The XXXX payment was not processed. To my surprise on XXXX XXXX a payment for {$780.00} was processed in my checking account. I immediately called the mortgage company and informed them that the payment should not be occurring and that they needed to stop it because I had requested it to be cancelled and I did n't have the funds in my account. They said they could n't because it had already processed. I called the branch of my XXXX account and asked them to stop it and they said they could n't either. I 've spent a great deal of my time on the phone with the mortgage company requesting that the payment be returned. XXXX representative promised that it would be, another told me it would n't because I was behind on the payments and another disconnected my call when I asked to speak with their supervisor. The original agreed amount was to be for XXXX {$750.00} payments, XXXX the end of XXXX and the XXXX the end of XXXX. The payment the end of XXXX exceeded the agreed amount by {$30.00}. I am displeased with the dishonesty and manner in which this has been handled and I would simply like the money returned to me. The money that has been used to cover the payment now is the child support payments that are made and the account is still overdrawn by {$220.00}.
Product: Checking or savings account

Dear sir or madam, I opened a Huntington XXXX XXXX checking account ending in XXXX on XX/XX/year> and a Huntington XXXX XXXX XXXX checking account ending in XXXX on XX/XX/year>. 
At that time, Huntington bank has promotions for both business and personal checking account, I met both bank promotion conditions, which Huntington bank agreed. 
I did receive {$1000.00} bonus for opening business checking account. But Huntington bank refused to pay {$600.00} bonus for opening personal checking account. 
Per Huntington banks letter. Please note that in the enclosed Bonus Addendum, it states Bank reserves the right to limit each customer to one new account related gift incentive per rolling 12-month period. For this reason, Huntington has declined your request to honor the cash bonus to your Huntington XXXX XXXX checking account ending in XXXX. 
However, this is not true statement. 
A personal checking account and a business checking account are considered different products, allowing one to potentially qualify for a bonus on each if you meet the requirements.

This is Bonus Addendum for business checking account, Huntington reserves the right to limit an individual business owner with multiple businesses to one account-related gift incentive per rolling 12-month period across all deposit account relationships.

This is Bonus Addendum for personal checking account, Huntington reserves the right to limit an individual to one account-related gift incentive per rolling 12-month period across all deposit account relationships.

You can see that the terms are different for business and personal checking, per Huntingtons conditions : the bonus for the business checking is to limit individual business owner whereas the bonus for the personal checking is to limit an individual. From the statements Ive pulled from Huntingtons own conditions, it is clear that Huntington views these two as separate entities. 
Please review this response, and honor {$600.00} bonus to my personal account. 

Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Debt collection

I contacted Resurgent Capital Services.  XXXX  option  XXXX . Spoke to  XXXX  regarding a lien that is on my home. The debt was in  BK . I explained by BK was released in  XXXX    XXXX   and I should no longer have a lien on my home. She said she had to look into it and would go from there.  XXXX  I called back and spoke to  XXXX  and she stated they did find the BK was released and they would file the lien release. She would not give me a time frame as I asked if they could provide me with a copy.  XXXX  I called again she stated there were not updates and not copy yet.  XXXX  Called and still no updated per  XXXX .  XXXX   XXXX  stated still no updates.  XXXX  I spoke with  XXXX  said no updates. I asked to speak with a  manager  and she sent me to a voicemail. I told her I am trying to get my home refinanced because I am paying a high interest rate and this was the only thing holding us up. I asked her is there anybody I can speak to that could possibly rush this as this should have been done a year ago. That is when she said the  manager w as a lunch and sent me to voicemail. I did not get a return call.  XXXX  My husband called first she stated no updates he too asked for the  manager  and she said she was at lunch. She then state oh an update just showed up. Gave him a tracking number.  XXXX  I called again no updates and said the tracking was for when the lien was issued but she could n't give a time frame. I told her I 've been calling since  XXXX  and I have not been successful in getting any information. I told her they should have done this many months ago and asked why her  manager ha s not called me back. She said she did not know and that the process is a long process. I told her I would have to get a lawyer involved if they did not get this done as they are messing with the future of my home. She said get your lawyer as if she did n't care. I really feel as if I am getting the run around and I have been kind and patient about it. Never became irate I thanked her for her help and told her I understood none of this was her fault but that I was frustrated. I need some help. I do n't know what more to do. I am paying 9.75 % in interest on my home and my husbands bank is getting it down to  XXXX . I have kids and would like to get my mortgage down. I 've been overpaying for many years.
Product: Debt collection

I sent a letter requesting debt validation in XXXX. Instead of validating the debt, they sent a list of my medical records which I know is a direct violation of XXXX regulations. This agency failed to validate my debt and violated my privacy rights as a result. I understand that debt XXXX are required to use minimal information necessary to identify individuals with information such as name, date of birth, address, social security number, name/address of the facility, etc. I never signed a XXXX form authorizing this debt collector to have access to this personal medical information.
Product: Debt collection

I received a letter from XXXX XXXX for debt collection which looks fake. It states that I have outstanding debt with XXXX from XX/XX/2020. I have never had an account or used this service. When I try to get information from XXXX, they want personal information such as social debit security number. I just purchased a vehicle this summer and have the highest credit rating. This XXXX debt if valid would have shown on my credit report. It did not because it is fraudulent. I believe someone is trying to get personal data from me by trying to impersonate debt collection. 
I have never received any communication or letters attempting to collect any debt from XXXX or XXXX until today. The debt listed on this letter is from XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of XXXX and XXXX XXXX which is stated in class-action multi-state lawsuit ask the credit bureaus to delete the account off of my credit report based on the findings and the multi-state class action lawsuit which is stated on page 8 section 11 and they refuse to remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting inacurate information. Inclosed is an opt out form I would like to go ahead and proceed with removing the inacurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company use my information without letting me know
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I placed a security freeze through all 3 credit  reporting agencies. On XX/XX/XXXX, I attempted to permanently remove the security freeze, as I was attempting to apply for a mortgage. On XX/XX/XXXX, I requested my credit run by XXXX XXXX Bank ; however, they indicated that my credit was still frozen. I called back the credit agencies ( Transunion and XXXX ), and was informed that my credit was not frozen. I could not get in contact with anyone at XXXX ; however, received a digital confirmation that they received my request to have my credit unfrozen. On XX/XX/XXXX, I requested XXXX to re-run my credit ; however, was still informed it was frozen, despite assurances to the contrary from each agency. I called the XXXX agencies noted above, and again was told it was not frozen. I was unable to get any information from XXXX, as their website indicated that my credit was not frozen, and I could not request to unfreeze my credit. 

On XX/XX/XXXX, I requested that XXXX XXXX run my credit, and again was told that all 3 agencies indicated that my credit was still frozen. I will be writing a certified letter this evening, to be mailed tomorrow to each agency, again requesting it to be unfrozen.