23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Company is saying there is a balance, due this was not originated by me, and there is no original agreement confirming open line of credit or payments due. 

I asked for proof of the original contract and of delinquency in the payments that they are showing late, the company never gave me written notice of late payments or past due dates and this is in violation of my consumer credit privacy rights by reporting inaccurate information. 

I am disputing inaccuracies on my credit report and demanding the removal of incorrect entries related to this account. I'm citing the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, to request a re-investigation of these entries, and 15 U.S.C. 1681b, to assert that unauthorized inquiries were made on my credit report. Additionally, I am referencing 15 U.S. Code 1666b and 1637 ( b ) because the creditor failed to provide timely billing statements, and i did not open this account. I am demanding that these discrepancies be corrected within 30 days, and I will escalate this issue, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), if the issues are not resolved promptly. And with the FTC. 

Account name : XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$5.00}, 233 past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$5200.00} Balance updated XX/XX/XXXXXXXX  Recent payment - Monthly payment - Original balance {$5200.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am contacting you regarding an incorrect report on my credit profile concerning my mortgage account with XXXX XXXX XXXX XXXX. After a recent review of my [ XXXX, XXXX, or TransUnion ] credit report, I noticed late payments recorded that do not align with my payment history and the terms of our agreement. THE FTC TOLD ME YOU GUYS HAVE TO FIX IT AND This misinformation is connected to my name, XXXX XXXX XXXX, and the following account : Account Details : Creditor : XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX Balance : {$330000.00} Highest Balance : {$340000.00} Monthly Payment : {$2900.00} Account Opened : XX/XX/XXXX Term : 360 months Current Payment Status : Current Worst Payment Status : XXXX Days Late On-Time Payments : 71 % Times XX/XX/XXXX Days Late : XXXX Creditor Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CT XXXX XXXX : XXXX XXXX ) XXXX I have consistently maintained this account in good standing, yet there is an erroneous record of late payments, which severely impacts my credit profile and harms my future financial and professional opportunities. This error is damaging to my financial stability and creditworthiness and undermines my ability to secure favorable loan terms and employment.

Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681b ( a ) ( 2 ), consumer reporting agencies are permitted to disclose consumer information only with the written consent of the consumer. I have not authorized the inclusion of inaccurate late payment data on this report. Additionally, FCRA 1681 ( a ) ( 2 ) ( A ) ( i ) provides exclusions to certain disclosures, clearly delineating cases where information should not be part of a consumer report.

I demand that these late payment records be deleted or corrected on my report within four business days. Please notify me promptly upon completion of this correction. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

On-Site.com denied me from renting an apartment with XXXX . After reviewing their report the account for XXXX is inaccurate and I 've disputed this account with them to no avail. The account is n't showing on my credit report only my rental report. This is a fradulent account and needs to be removed. I request full validation of this alleged debt, as allowed by the Fair Debt Collection Practices Act. This company denied my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 U S DEPT OF EDXXXX is still reporting on my XXXX   account after I sent disputes after 45 days. Seems to be re added after being deleted from XXXX  and Transunion they also Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report Transunion - I Sent over my FTC report and called in they refuse to remove unauthorized inquires - I told them they were fraudulent they have not removed them. this is a VIOLATION of the FCRA section 604.
Product: Debt collection

On XX/XX/22, this collector called at XXXX for Service Finance. Her name was XXXX XXXX. I have received phone calls from this company previously after XXXX.
Product: Credit reporting or other personal consumer reports

Inaccurate accounts suddenly appeared on my credit report today, and I cant figure out why. I routinely monitor my report, and it has always been accurate until now. Hoping it was a temporary glitch, I refreshed my browser, but the errors persisted. Please, I need the documents Ive sent to be examined with care so I can finally stop worrying about this.
Product: Checking or savings account

Im making this complaint on behalf of myself ; the below contact information is accurate for me and matches the relevant accounts.

I am a probate attorney and professional fiduciary. In this role, I have accounts where I am signatory for an entity ( estate or trust taxable under an EIN ), and I also have conservatorship accounts ( I am sole signatory to another individuals account taxable to the individuals SSN ). I presently have two accounts of each type ; the complaint is in reference to the individual accounts.

One Account was created several months ago, about a month after the Sterling back-end system was adopted. It was incorrectly set up by one manager, per another. This account never appeared in my online banking profile as it should have. 

I spoke with online banking support and was told the issue needed to be reviewed in-branch. 

I met with the manager of the XXXX XXXX branch to resolve this issues. That issue was summarized to me as follows : The new system offers three separate online banking interfaces individual, business, and treasury accounts I was incorrectly instructed to create a profile in the individual system, when I should be in the more fully-featured business customer system Websters issued an internal policy last year that customers can only have one login and only use one system. Additionally, customers enrolled in the incorrect system ( between individual and business ) would not be transferred to the correct system. 
The individual system was struggling with accounts of this type. 

I was told that he would work on getting the account type corrected, or worst-case open a new account the right way ( which I stated I was fine with ) so that it would correctly show up in the system. 

That meeting was six weeks ago. Not only is the issue not resolved, but a second conservatorship account that predated the system upgrade and was properly showing up in my online banking portal was removed from the portal. That is more concerning, as that account had online statement delivery and set up certain recurring payments, and these still exist in the system but I can not view and edit them. I continue to get emails that my online delivery statements are available rather than getting paper statements, so I have no access to statements. 

I have left two messages with the manager who helped me over the past three weeks ; those calls have not been returned.

I recognize that there may be no inherent entitlement to use online banking. But when a bank has issued online banking and allows that platform to be relied on for statement delivery and online bill payment, it seems a serious infraction to eliminate access to edit those arrangements after allowing them to be made. From what I understand, simply placing my customer account into the correct online banking system will resolve this issue, but for the fact that the architecture requires retail banking staff to do this and policy instructs them not to expend the effort doing so. Your assistance in encouraging them to make the necessary correction would be much appreciated.
Product: Credit card

I paid for a service XX/XX/23 ( {$500.00} ) and did not receive service. Did my own investigation and found out the individual a paid service to is a scammer/doing fraudulent activity. I dispute it with credit card company Marcus Goldman sacs and the are telling me that the investigation will take 90 days. I have sent them proof of this individual with a news segment on how she been doing fraudulent activity with people credit and social security numbers. Her name is XXXX XXXX. ( XXXX XXXX XXXX XXXX ) Is the link to news segment. I was scammed and it shouldnt take 90 days to investigate and reimburse my money. They are not even working on my dispute. I have called numerous times to get this resolved.
Product: Debt collection

Midland  funding is reporting inaccurate information to my credit report.I have never had an account with this company.A dispute was sent by the credit bureau and came back verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, a derogatory mark was added on my credit report per XXXX XXXX from CMRE Finance for an amount of {$1300.00} and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account. 

Additionally, I am allowed under the Health Insurance Portability Accountability Act ( XXXX ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPPA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofold-validation of debt and HIPPA authorization.
Product: Credit reporting or other personal consumer reports

It appears that XXXX XXXX has sold an account to Transworld systems the account number is not listed but shows in the amount of {$200.00} I have never had a account with XXXX XXXX I am XXXX XXXX XXXX and have lived in my home for over 40 years and have never had an account with XXXX XXXX or Transworld systems, they are reporting this inaccurate information on my credit report which is tanking my score.
Product: Debt collection

On XXXX/XXXX/2015 I noticed an unauthorized inquiry on my credit file. When I noticed the inquiry on my credit file I notified Pressler & Pressler of this discrepancy. They ignored my request. It has been over XXXX days and they still refuse to remove this inquiry from my credit file. I have no open accounts with Pressler & Pressler. My attorney will be reporting Pressler & Pressler to NJ Attorney General XXXX XXXX if they do not remove this inquiry immediately.
Product: Credit reporting or other personal consumer reports

I had recently been lucky enough to have a friend put me as an authorized user on his XXXX XXXX, this XXXX XXXX has a {$18000.00} limit with a XXXX balance and was opened in XXXX, my credit score at the time was starting to go up it was about 678 and I was placed as a authorized user about a week after that. Once it went through and the credit bureaus picked it up and accounted for it, I believe they unfairly and for no reason that they could explain or anybody else for that matter, dropped my score 145 points instead of increased it. This card was triple my current credit limit, it was 10 times my credit age and it should have increase my score quite a bit but there's absolutely no other indication that anything else happened, no closed accounts or anything strange in a long time, and most definitely not on the day they factored in this severe drop, so I called the credit Bureau in question ( x2 ) and I asked them what's going on. The gentleman could not explain it, he could not find any reason for it and he even mentioned that it's probably just a malfunction within the system. My credit utilization has been at 3 % and I have been paying all of my bills and trying my darndest to save my family 's legacy with a auto repair shop that is struggling severely that was opened in XXXX by my grandfather. I have done everything I can to appease the bureaus but no matter what I do it seems to go back the other way and most of the time they can't explain it, what I'm asking for is to please look into my credit score as a whole because I feel like I have been unjustly prejudiced against from past grievances, As if a higher credit Limit and XXXX times the credit age is somehow a negative. I used the bureau 's simulator to see what I would have to do to get a score drop that's severe of XXXX points and I would have had to have claimed bankruptcy for it to even to get close and it still wouldn't be XXXX points. I believe it was supposed to go up XXXX points from getting that card not down XXXX. There's nothing else that happened that day nothing came in that was new as far as a closed account or any type of derogatory, I had multiple professionals check my report and I went over it with a fine tooth comb XXXX times myself to see what was going on and why this drop when it should have been going up, but it was only that card that was added which was supposed to be a huge positive for me, I was going to be able to apply for a XXXX loan and save my father 's company, Instead we're about to lose everything if this doesn't get fixed soon and I start getting treated fairly by these credit bureaus.
Product: Mortgage

Tuesday, XXXX/XXXX/XXXX In XXXX XXXX I bought a home in Georgia ; this is my primary and only home. The mortgage is with 360 Mortgage XXXX ( XXXX, TX ). I have several concerns, one being my escrow account has started with a deficit every year since I purchased the home, despite the decrease in property taxes and hazard insurance by about {$95.00}, and the increase in mortgage payments last year to cover the XXXX shortage. Also, in XXXX XXXX I notified the mortgage company that effective this year, I am eligible to take advantage of the Georgia school tax exemption. 

On XXXX XXXX, I called the mortgage company to ask for an explanation about the yearly deficits in my escrow account despite the decrease in taxes. I was told an early insurance payment ( paid in XXXX instead of XXXX ) caused the shortage. Here are my questions : 1. The increase in my mortgage payment last year was to cover XXXX taxes and insurance for that year regardless of when the insurance was paid. If the XXXX analysis of the escrow account was accurate, why did the early insurance payment cause a XXXX shortage? 

2. An analysis of my account was performed XXXX/XXXX/XXXX, but I am not convinced that the decrease in my taxes and insurance was taken into consideration. How can I be assured that it was? 

3. What other factors could drive my escrow balance to be short every year? 

4. In addition to the lesser taxes, will the school tax exemption help lower my monthly payments? 

5. Based on my conversation with the mortgage company, it sounds like the difference between the higher XXXX and lesser XXXX taxes were not applied to escrow. Is there a time frame the mortgage company has to issue me a check for the difference? 

Another concern is regarding the XXXX Form. As of year-XX/XX/XXXX, my mortgage balance was about {$2000.00} less than the amount the mortgage company submitted to IRS. They explained two XXXX forms are submitted to IRS and the second one will have the correct mortgage balance. Is this normal practice and if so, why? 

I look forward to a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Inquired on XXXX XXXX, XXXX  These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Hello, my name is XXXX XXXX I have a bank account with Citizens Bank. 
On XX/XX/2023 I deposited a check in the amount of XXXX and it's been well over 90 days and the bank placed my check on hold and has not released my funds. I spoke to my attorney because the check was from a civil suit and was awarded to me for a accident I was in some years ago and he provided me with the canceled checks letting me know Citizens Bank cashed the check and took the funds out of the account from XXXX XXXX XXXXXXXX. 
I visited a 2 different branches and all I've been told was call the XXXX number on the back of my debit card which I did and to no resolve. I need some help with this matter because the check is still on hold months later.
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. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 an 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 : ** Pre-Arbitration Complaint Against TransUnion for Violations of FCRA and Privacy Act of 1974 Dear CFPB, I am writing to formally file a pre-arbitration complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( ii ), and the Privacy Act of 1974. TransUnion has improperly included transaction histories, late payments, and credit utilization data in my credit report, which should be excluded under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( ii ). This section, as outlined in 12 CFR 1022.3 ( c ), excludes transaction or experience information between the consumer and the reporting party from being included in a consumer report. 

Moreover, TransUnion has shared my transaction history with affiliated companies, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in violation of both the FCRA and the Privacy Act of 1974. & 16 CFR Part 313 - PRIVACY OF CONSUMER FINANCIAL INFORMATION Additionally, I have identified multiple unauthorized inquiries on my credit report from the following institutions : - 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 I request that TransUnion update my credit report to reflect all transaction histories as XXXX and ensure that all accounts are reported as current. TransUnion has 30 days from the date of this letter to make these corrections. If these updates are not made within this timeframe, I will have no choice but to initiate electronic arbitration proceedings. 

These actions by TransUnion represent a clear violation of the FCRA and the Privacy Act of 1974, negatively impacting my creditworthiness. I urge the CFPB to take immediate action to investigate these violations and ensure compliance with the legal standards set forth in these regulations. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Opened XXXX {$130.00}, XXXX XXXX Opened XXXX {$620.00} 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

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX