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

XXXX ; Experian and XXXX are reporting incorrectly a charge-off in the amount of {$6400.00} on the XXXX partial account number XXXX. ( Please see pages 37 and 38 of the attached credit report. ) I physically have possession of the vehicle and I make the monthly payments on time and I have never missed a payment. Please keep in mind that it would be impossible to have a charge-off on an account where there is no past due balance and I physically have possession of the vehicle. I have attached a copy of my registration card and my current insurance card showing the policy terms on my vehicle from XX/XX/2019 to XX/XX/2019. This  incorrect reporting of a charge-off is harming my credit score and this line item needs to be deleted from my credit report. I have contacted the ( 3 )  bureaus to fix this, however I have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, U S Dept of Education Account # 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.
Product: Credit reporting or other personal consumer reports

They took the information at face value and did not actually look into the complaint I made. Other Credit Bureaus have removed the erroneous information based on my complaint/request. 

This is NOT a bankruptcy. The action was never filed and no action was processed by the XXXX XXXX XXXX at all. The matter was withdrawn without action. However Experian is did no actual investigation into what actually took place. 

This record needs to be removed by Experian as other Credit Reporting peers have done. 

Report Number XXXX Date Generated XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX .... 

Status : Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.
Product: Credit card or prepaid card

I made a reservation for a stay at XXXX XXXXXXXX for XX/XX/2019. 
On XX/XX/XXXX i utilized the link in the XXXX confirmation email ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.in English now you can cancel until the moment of checkin ) .. i received a screen displayed message stating that the reservation had been cancelled. The reservation was removed from my list of active reservations and when i entered my confirmation number into the system i again viewed the message that the reservation no longer existed. 
The XXXX, citibank, and XXXX are indifferent to my appeal and have charged me {$310.00}. A simple XXXX search reveals that others have met the same injustice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

I own a small business and was looking for a credit card to consolidate some debt and transfer balance to from another credit card. I found the Capital One Spark 1.5 % Cash Select credit card which advertised : " XXXX $ annual fee and 0 % introductory APR for the first 12 months '' Underneath, it explains that the purchase rate is 0 % intro APR for 12 months, 18.99 % -26.99 % variable APR after that. 

I showed this online website to my business partner who agreed I should apply for this credit card as it allows for transfer up to XXXX with 0 % transfer fees and 0 % intro APR for the first 12 months ( so we both understood it to be based on description ). 

Lo and behold, upon the first statement after transferring XXXX from another credit card, there was a finance charge of {$72.00}. After calling customer service, I was informed that the 0 % APR for 12 months ONLY applied to purchases, not loan transfers. 

Me and my business partner both think this is misleading advertising as it does not mention that it only applied to purchases. After looking back now at the web page, I see that it says " Purchase Rate '' but I didn't understand what purchase rate meant, when referring to the 0 % APR for 12 months. I took it to mean what it costs to have a balance on the card, any kind of balance, whether it be by purchase or by transfer. 
It does not say that transfer balances are excluded from this 0 % APR offer. 

Capitol One went ahead and did a one time waiver of the finance charge but I still think it's misleading advertising and now I again have to look for a credit card that allows for transfer balances without exorbitant interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of XXXX I filed a dispute with the major credit bureaus Equifax and XXXX about the unverified info being reported from XXXX XXXX Account number XXXX. 
In these months, these inaccurate accounts are still showing In Dispute status and according to the FCRA laws these items should have been removed for 30 day non compliance of FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies in over 2 months as of today. Thank you
Product: Mortgage

PHH Mortgage services XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX Acct No. XXXX All for the XXXX XXXX XXXX  They are consistently take my mortgage payments of {$1400.00} and apply them to an escrow, making my mortgage behind, imposing late fees, and reporting to the credit bureau. I have to call the mortgage company, stay on the phone for hours and multiple days, and follow up with more calls. I have complained about this happening four times in the last 12 months. I have never been late or missed a payment. 

I received an email LAST WEEK saying things were correct, but I received a statement that showed I was two months behind. Before this time and the last time I called. It showed me four months behind. I died inside. 

I made a complaint to the XXXX, and they still do this. 
They have caused my credit score to drop by XXXX points due to the deceitful practices. 

I HAVE NEVER BEEN LATE OR MISSED A PAYMENT, AS REFLECTED BY MAKING STATEMENTS, AS MY MORTGAGE IS ON AUTO-PAY. 

They will not stop. My mortgage payment is {$1300.00}, and I pay {$1400.00}. The balance is to go to the principal. That is not the case each month. 

Their systems says I don't have homeowners insurance yet. They paid my insurance company, and my policy is active and has never changed. Again deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account Name XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C1681 section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

LexisNexis Risk Solutions 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 XXXXXX/XX/XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX XXXX in the file you maintain under my Social Security number. 

Upon ordering a copy of my credit report, I see an entry from this court listing with Reference # XXXX filed on XX/XX/XXXX. 

The entry with Reference # XXXX filed on XX/XX/XXXX with this court appears to be inaccurate. 

Apparently, not on was the case never discharged.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding a hard credit inquiry conducted by XXXX XXXX XXXX XXXX on my credit report. The information provided on the XXXX report was invalid, specifically the *phone number listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX When I called this number, a lady answered and claimed it was her personal cell phone and that she had no affiliation with this or any other bank. She sounded genuinely concerned. 

After hours of failed attempts, I finally received a call from the bank ( XXXX XXXX, ID # XXXX ) from XXXX. I was informed that as a normal procedure, they conduct a hard credit inquiry on every HELOC once a year. I explained that this was incorrect and that all hard credit inquiries require my explicit authorization. The representative stated that they have the right to do this whenever they want. After requesting to speak with a manager, the same teller returned and informed me that this was a known issue, and my HELOC was closed. They assured me that the hard credit inquiry would be deleted, stating they are only deleting it because my HELOC is closed ( which it is not ), raising another concerning issue. 

This bank is providing misinformation and affecting my credit report, as well as reporting an incorrect phone number on their XXXX hard credit inquiry. I am extremely concerned not only for my credit but for other members as well. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Feel free to adjust any details as needed! If theres anything else you need, just let me know.
Product: Debt collection

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by Huntington Bank.

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities,  residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is illegally reporting three charged-off student loans to the three credit bureaus past the 7.5-year period. In XXXX 2021, I sent a letter to XXXX  disputing three charged-off student loans and requesting they be purged from the three credit bureaus in accordance with FCRA regulations ; however, XXXX responded stating the information they reported was accurate and refused to request removal of the information from the three credit bureaus, XXXX XXXX and TransUnion.
Product: Mortgage

I received a Sewer and Trash bill in XX/XX/2021. I contacted my mortgage company known as XXXX in XX/XX/2021. I advised them of the bill and faxed the bill and other paperwork to them on XX/XX/2021. The bill at that time was {$580.00}. I was advised the bill would be forwarded to the Tax Dept. I received a letter from the Court in XX/XX/2021 that a Lien was placed on my house due to non-payment of sewer and trash fees. Since XXXX of XXXX  I have been calling my mortgage company and have gotten nowhere. I've been advised by my mortgage company that a {$850.00} check was sent on XX/XX/XXXX to settle the bill. As of today 's date, my mortgage company has been unable to confirm the check was cashed. I have also received nothing in the mail that the Lien was removed. I would like this resolved since I am tired of calling the mortgage company and getting nowhere,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have come to the realization that even though I am a tax-paying consumer in the United States of America, my rights under the FCRA and the Constitution are constantly being pushed aside for profit. I have submitted disputes to the 3 major credit bureaus ( Experian, XXXX, XXXX  ), as well as the secondary companies XXXX and others. I know that under the FCRA, they are to properly and THOROUGHLY investigate any and all disputes. This does not include that these companies use XXXX, or defer to XXXX or PACER as a primary means of verification. But time after time, I am given the same answers, and it is not accurate. XXXX actually posted inaccurate information on this very site! I am disupting a bankruptcy in California, yet they say they are investigating in XXXX XXXX, Florida!! I am demanding that these companies PROVIDE ME WITH TANGIBLE EVIDENCE of their verification, not just saying they verified with XXXX or XXXX.
Product: Debt collection

I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX BANK. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and  collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit card

I am disputing the collection account with XXXX XXXX account number XXXX dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that AFFIRM INC provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Mortgage

Bank of America stated repeatedly in their opposition to complaint in bankruptcy on XX/XX/XXXX by attorney XXXX and later that my loan is a federally backed mortgage and that it was securitized by XXXX. 
It is settled ( relevant to federally backed mortgages ) that the applicable law is federal. In a decision that has become a leading case on the question, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, arising under the National Housing Act, Title II, 12 U.S.C. 1707 ff. we held : But we do find it to be clear that the source of the law governing the relations between the United States and the parties to the mortgage here involved is federal. ( Citations omitted ) * * * It is therefore equally clear that if the law of the State of Washington is to have any application in the foreclosure proceeding it is not because it applies of its own force, but because either the Congress, the FHA, or the Federal Court adopts the local rule to further federal policy. 268 F.2d at 382.

The first question is whether the Congress adopted state law in its definition of mortgage and first mortgage. California argues that it did. The language relied upon appears in 12 U.S.C. 1736 ( a ), and reads : The term mortgage means a first mortgage on real estate, in fee simple. We rejected Californias argument in View Crest, supra, where identical language in 12 U.S.C. 1707 was relied upon. We said : The argument is that in adopting the state definition of first mortgage, Congress intended to adopt all the incidents of the mortgage relation under state law including remedies on default and the appointment of receivers. That this is not the case is clear from reading section 1713 of the same Act which defines certain acts as being in default ( part g ) and sets out certain remedies that the FHA can pursue such as institution of foreclosure ( part k ) proceedings without reference to whether or not there is such a remedy for the default described in the State where the property is located. Moreover, there is no apparent reason for assuming that Congress in incorporating by reference certain duties under state law also meant to restrict the United States to the state remedies for breach of those duties * * 268 F.2d at 382.

Therefore, Bank Of America can not foreclose nonjudicially under Alaska law when the mortgage is federally back mortgage.

Bank Of America recorded on XX/XX/XXXX a 6th noncompliant notice of default and sale for XX/XX/XXXX in blatant disregard to Congress and the federal courts that clearly determined that federally backed mortgages are under federal and not under state law unless Congress specifically adopted Alaska nonjudicial law, which Congress never did. 
All while knowing that this default is time-barred since XXXX as determined in the bankruptcy court denial of Bank Of America motion to dismiss my complaint on the sole ground that Bank of America was already time-barred in order dated XX/XX/XXXX.
Product: Debt collection

I was first contacted by XXXX XXXX who called me from several different phone numbers, that were disconnected upon callback. I told XXXX that the debt they were attempting to collect was incorrect. He proceeded to tell me that he didnt care if I thought the amount was wrong, and if I didnt pay in full they would hurt my credit. I attempted to write this creditor and contact several times. After multiple failed attempts to receive documentation from the collector, they placed the item on my credit causing a triple digit decrease in credit score.
Product: Credit card

On XXXX XXXX, 2015 I received a letter from citi credit management deparment,, to notice about decreased credit limit, because my credit report shows delinquent credit obligation, either paid or unpaid with another creditor, the decision was based from the information obtained from XXXX, I went to credit repair consultants to see what happened, and we saw a big mistake, SEARS/CBNA, reported to XXXX a credit car # XXXX account owner, authorized, high credit {$4300.00}, credit limit {$4000.00}, date reported XXXX/XXXX/2015. this credit card is not mine. i called to this number XXXX customer service, i expleined everithing, they told me they need the credit card last XXXX number, i said i dont have it, they told me go to consumer financial protection, they are reporting this credit card to XXXX and they dont have the last card XXXX numbers??
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a victim of Identity theft, I tried contacting and disputing my credit report with the Consumer Credit Agency, yet I received no response or assistance over the last 90 days. The fraudulent items are listed in the attached law enforcement statement.
Product: Debt collection

i have sent numerous debt validation letters to Schrier Tolin & Wagman and their client and they keep responding with incorrect responses first they responded with the incorrect information which had absolutely nothing to do with the money claimed i owe i sent a second request they responded with an application no signature ( document attached ) looks manufactured to me this does not constitute debt validation ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof,
Product: Checking or savings account

Dear Sir/Madam, I am writing to express my deep concern and dissatisfaction regarding an issue I am experiencing with Chase Bank . On XX/XX/2024, I deposited a check into my Chase checking account from XXXX XXXX  XXXX, issued by my client. The check was for {$61000.00}. 

However, to my dismay, Chase Bank has placed a hold on the check, despite the fact that XXXX XXXX XXXX, the issuer 's bank, has already verified the check with the issuer and released it from their end. Chase Bank has requested a phone number associated with the account that they have on record. Unfortunately, the phone number that the check issuer is not currently using same phone number. So they updated their contact number on their XXXX XXXX XXXXXXXX system. However, Chase is telling me the number they have is not XXXX XXXX XXXX has. And they are not willing to contact XXXX XXXX XXXX or bringing the check issuer to the chase branch to verify herself. By the way, this check was 3rd time I recieved from same check issuer with same XXXX XXXXXXXX XXXX with same account number and routing number and Chase is holding only the last check I recieved which is check amount {$61000.00}. 

I have made numerous attempts to resolve this issue by providing alternative methods of verification, including providing identification and other account details, but Chase Bank has refused to accept any other form of verification and continues to hold the funds without providing a clear explanation. 

I find it highly concerning and frustrating that Chase Bank is withholding my funds despite verification from the issuer 's bank and their refusal to explore other methods of verification. This has caused undue financial strain and inconvenience for me. Not only holding the check now Chase restricted my entire business account so I can not do any activities with my account including spending and receiving. 

I kindly request that Chase Bank promptly release the hold on my funds and process the deposit in a timely manner. I also request a formal investigation into this matter to prevent similar issues from occurring in the future. 

I expect a prompt and satisfactory resolution to this matter. If necessary, I am prepared to escalate this complaint to higher authorities and regulatory bodies. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely,