23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I am buying a house in XXXX, NH. The transaction is being facilitated by the attorney XXXX XXXX, XXXX who has an escrow IOLTA account at Citizens Bank with a branch convenient to his office in XXXX, NH. Paper checks payable to the IOLTA account in the amounts of {$50000.00} and $ XXXX+ from a XXXX XXXX XXXX branch in XXXX , CA , were generated on-line and physically deposited by XXXX XXXX XXXX Citizens Bank at XXXX on Friday, XXXX XXXX, 2016, with the expectation that they would clear any hold within 3 business days ( e.g. by close of business yesterday, Wednesday, XXXX XXXX, 2016 ). 

When an on-line review on XXXX XXXX revealed that the checks had not cleared, XXXX XXXX made a call to the bank to inquire when the checks would clear and was told by bank staff ( XXXX, sp? ) that the checks would not clear until XXXX XXXX. XXXX XXXX called the XXXX XXXX XXXX, CA Branch Manager and was told that the funds had been released and were not being held by XXXX XXXX, although he would look into the situation that was already beyond his control. I then called Citizens Bank ( before close-of-business on Wednesday, XXXX XXXX, 2016 ) and told XXXX to convey to the powers-that-be that I would be taking legal action if a certified check were not issued this morning ( Thursday, XXXX XXXX, 2016 ) from my funds, in the amount of $ XXXX+ payable to the seller, so that I can close on the purchase of my home. 

At about XXXX ( XXXX XXXX ), I called Citizens Bank ( because no one had called XXXX XXXX, whom I designated should be called with their response to my complaint/demand ) and requested to speak with XXXX, but was connected to Branch Manager XXXX, who informed me that she could only speak with XXXX XXXX about the particular circumstances of his account, but when pressed with the evidence that no contact had been made after my call AND she told me that she HAD told XXXX XXXX what steps to take to have the funds released ( but he had told me he had no means to get the funds released before XXXX XXXX ), it became clear to me that a complaint is necessary.
Product: Credit reporting or other personal consumer reports

I recently review my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they're hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : XXXX  XXXX Account number : XXXX Balance : {$700.00} XXXX Account number : XXXX Balance : {$0.00} XXXX  XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX XXXX Account number : XXXX Balance : {$480.00} XXXX XXXX XXXX Account number : XXXX Balance : {$5600.00} XXXX Account number : XXXX Balance : {$1200.00} XXXX Account number : XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX ) Account number : XXXX Balance : {$2500.00} XXXX Account number : XXXX Balance : {$3100.00} XXXX  Account number : XXXX Balance : {$480.00} XXXX  Account number : XXXX Balance : {$520.00}
Product: Credit reporting or other personal consumer reports

There are 2 hard inquiries from the same dealership from the same day for the same vehicle. That should only be 1 hard inquiry. XXXX the fair credit reporting act. All done in 14 days should reflect one inquirie.
Product: Credit card or prepaid card

On XX/XX/2018 I received a letter from Sears XXXX  saying that they decided to not to renew my account. The letter stated the decision was based on me having unsatisfactory credit. This is untrue. I have very good credit. I always pay all of my cards on time and in full each month. XXXX XXXX credit score is currently XXXX. So I believe they unjustly closed my account. And I believe the reason why is I had accumulated enough Reward Points to redeem a {$500.00} gift card, and they did not want to give me what I earned. Not only did they close my account, but they also immediately stole of the points I had accumulated over the course of years. This is a card that requires a yearly fee of {$35.00}, which I was willing to pay because of the rewards program. I called the number on the back of my card and was repeatedly transferred from department to department with no one willing to reinstate my points or give me a reason why they said I have unsatisfactory credit. I was on the phone for 2 hours.
Product: Mortgage

I received a 30 day late negative credit marker due to Mr Copper system having a issue, my auto payment was started for the month of XX/XX/XXXX online. Unfortunately I fell ill and was in a XXXX  state due to my XXXX and was not able to address Mr. Cooper before the end of XX/XX/XXXXdue to being hospitalized for the month, once I got in a state to review my account I immediately made a payment and reset the autopay. I have never paid my mortgage late and this has affected my credit by 60 points and as I am already recovering from being out of work for over a month I have still managed to make two payments after being released from the hospital please favor a removal of this negative 30 day marker. I have provided my proof of hospitalization and XXXX info, my bank statements from XX/XX/XXXXand XX/XX/XXXXshowing ample funds for withdraw and proof that up until this auto pay issue my payment was never late.
Product: Credit reporting or other personal consumer reports

This is my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, or may rescind any block. Of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) The information was blocked in error or a block was requested by the consumer in error : ( B ) The information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block or, ( C ) The consumer obtained possession of goods, services, or money as result of the blocked transaction or transactions. 

XXXX XXXX, XXXX XXXX & XXXX XXXX
Product: Checking or savings account

On two occasions money that I have transferred from my savings account into my checking account with the same financial institution has been held for more than 5 days. Both times the bank stated they have a 1-2 business day hold for transfers and then said that the policy had been changed to 4-5 business days. I am very concerned about why my financial institution will not allow me to move money between my accounts.
Product: Credit reporting or other personal consumer reports

This account is 7 years old and is still reporting on my credit. I thought that according to federal law, negative items on credit reports were to be removed and deleted after 7 years. I have reached out to the creditor and the credit reporting agencies multiple times requesting the deletion of this account but they continue to be negligent. 

The details of this account can be seen below : XXXX XXXX XXXX XX/XX/2017 {$3900.00}
Product: Mortgage

I have been trying to get a re-modification for 3 yrs now. The mortgage company continue to ask for the same documents over and over again for the re-modification which has prolonged this process now for about 7 more months. During this re-modification process I had a house fire XXXX/XXXX/XXXX and now the mortgage company SPS XXXX Select Portfolio Servicing Inc ) has a hold on the funds provided by the insurance company to pay for the repairs. All moneys had been sent to me, I endorsed the checks and forward them to SPS for repairs now they wo n't let the contractor draw the funds to do the repairs. I have a deadline for my temporary housing paid for by the insurance company of XXXX/XXXX/XXXX. Loan # XXXX
Product: Student loan

I am on the SAVE plan and I received an email from Mohela on XXXX stating that interest is accruing during my forbearance which should be 0 % interest.
Product: Debt collection

XXXX continued to bill me erroneously for service after I physically visited them in XXXX on XX/XX/XXXX and cancelled my service and turned in my equipment. XXXX confirmed by phone finally in XX/XX/XXXX they had located paperwork indicating I had cancelled my service and should not have been billed. The paperwork was sold to collection agencies - this is # XXXX and is now being erroneously reported as a collection on my credit report. IC Systems is falsely reporting a collection for a debt I do not owe. My XXXX account was paid through XX/XX/XXXX and service was cancelled in person on XX/XX/XXXX. If anything, they owe me money. I have had over XXXX scores for over 10 years and now Equifax score is XXXX. This is simply not right and not fair. XXXX tells me this is too old to retrieve records since it 's over 2 years. The collection companies automatically think the consumer is guilty. My credit report says otherwise. I pay my bills and I pay them on time and often ahead - way ahead. I want this collection removed from my credit report and my credit score restored. I do not owe anyone anything! For XXXX years I 've had to put up with these collection agencies calling constantly and sending letters trying to collect a XXXX debt I do not owe.
Product: Debt collection

Letter was sent to collection agency and received XX/XX/2018 per their stamp on my letter. 
Letter asked for them to validate the debt information I pulled from my credit report. I never received notification of this debt from the collection agency. 
Their reply advised me, they searched their database and are unable to determine if I have an account in their office with the information I provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute all the accounts on my XXXX, equifax, and XXXX credit report. They have multiple addresses under my name and I only lived at 1. They also have multiple names on my account with a middle starting with an F and mine start with an I. They have accounts on my credit stating still being open when I know they were closed. Also I can see a lot of hard inquiries that I have no idea who the person or company is.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute of Inaccurate Information on Credit Report Dear XXXX, I am writing to formally dispute inaccurate information contained in my credit report, as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I recently obtained a copy of my credit report from your agency, and I have identified an error that needs to be corrected immediately. 



The item I am disputing is as follows : America Carmart This account is marked as a repossession when lot offered to close account out with no penalties due to electrical issue they couldn't fix, car dealership manager in the XXXX TN office processed the account closure on there behalf. 



This information is inaccurate because [ provide a brief explanation of why the information is incorrect, e.g., I have never opened this account, This account was paid off in full, etc. ]. Enclosed, I have provided the following documentation to support my claim Under the FCRA, you are required to investigate my dispute, notify the furnisher of the information, and respond to me within 30 days of receiving this letter. If your investigation confirms that the disputed information is inaccurate, I request that you promptly correct or delete the erroneous data and notify me in writing of the changes made to my credit report.

Additionally, I am requesting that you provide me with the name, address, and contact information of the entity that supplied the inaccurate information, as I may need to follow up with them directly. 



Please confirm receipt of this dispute and keep me informed of the progress of your investigation. I expect full compliance with your obligations under the FCRA, and I reserve the right to take legal action to protect my rights if this matter is not resolved promptly. 



Thank you for your attention to this matter. I look forward to your timely response. 



Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Emailed them regarding the information and information still showing on my report that affects my credit score.
Product: Credit reporting or other personal consumer reports

I have sent multiple letters to XXXX, TransUnion, and XXXX regarding the fraudulent addresses and outdated information on my credit report, but they have failed to take any action to remove these inaccuracies. The incorrect personal information they continue to report is causing significant harm as it portrays me living in multiple places simultaneously with different phone numbers and addresses. Despite providing my correct details and proof of identity, these credit bureaus have neglected to rectify the errors, which could adversely impact my creditworthiness and reputation.

I am deeply concerned about the potential consequences of this inaccurate information on my credit report, especially when it comes to future employment opportunities or financial transactions. The persistence of these false addresses and outdated data reflects a clear violation of consumer rights and the Fair Credit Reporting Act. It is imperative that XXXX, TransUnion, and XXXX comply with the law and promptly remove the incorrect information to prevent further harm.

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that these credit bureaus adhere to the regulations set forth in the Fair Credit Reporting Act. My repeated attempts to address these issues directly with the credit reporting agencies have been futile, necessitating the intervention of a regulatory body to safeguard my rights as a consumer.
Product: Debt collection

A collection agency, Pro Collect, is trying to collect a debt that should not exist. 

In XXXX of 2012, I discontinued payment on a storage unit due to financial difficulties. Within a couple of weeks of non-payment, I received a notice from the storage facility that the locks would be cut and my items would be sold at auction. I received a prelien notice on XXXX, a lock cut notice on XXXX and a notice that my items were to be sold at auction on XXXX/XXXX/2012. With rent at the storage costing $ XXXX/mo, the items sold at auction should have well covered the month of rent that was due. 

It has been 3 years since I have heard anything about the storage unit. Now, 3 years later, Pro Collect, a collection agency, is trying to collect {$6800.00} in back rent on the storage unit. This is outrageous and a complete scam!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : I have sent in several disputes about XXXX XXXX XXXX, and their illegal repossession of the vehicle in question. XXXX has yet to response to me and this has been going on since XXXX 2017. I cant see how this credit bureau has been updating this account when XXXX has seen this is an illegal repossession and removed it from my credit report ( attached ) .This account is being illegally reported on my credit report. I formally disputed it. 
Furthermore, if at any time during your investigation the above account is verified by XXXX I am requesting your method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question.
Product: Credit reporting or other personal consumer reports

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Equifax is reporting inaccurate information to my consumer report which is a violation of the Fair Credit Reporting Act. I only have one address and any other would be inaccurate. Any account that is being shown on my credit report that is not associated with my actual address should be deleted from my consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out Dispute Letters to Experian, XXXX, And XXXX  for inaccurate information on my Credit Report on XX/XX/XXXX. I did not receive a reply back from Experian and XXXX. I then sent out a second round of Dispute Letters to On XX/XX/XXXX to again dispute the inaccurate information still being reported on my report and still have not received an response from Experian or XXXX. This has been well over the allotted time for an investigation. Please Advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive received a email from XXXX  stating a new inquiry was made from vervent/XXXX on XX/XX/XXXX. I DID NOT apply for credit. After seeing this inquiry, ive noticed this same company inquiry on XX/XX/XXXX. This is fraud activity. I do not have accounts with this company. Ive never applied for credit.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

online account access has been changed, Esxperian allowed someone to change my email address this is the 2nd time this has happened and I can not access my account I had a freeze on my account and this still was allowed to happen I could not access my account because the email address had changed I finally got through to a real person on the phone after 2 hours of trying and going through the automated system and getting disconnected when I finally got through to a person and went throught security questions i requested verification that email was in fact corrected, she said she couldnt send me an email I asked to talk to a supervisor and again had to wait on hold for 20 minutes the " supervisor '' who after explaining my situation hung up on me this is MY information they have access to and seem to not care what happens with it I work hard to keep my credit in good standing but it is a constant battle with Experian it seems that I have to constantly check with them again my information is being compromised and they do not seem to care keeps happening and I shoiuld not have to constantly check with them to make sure MY information is safe they have sloppy security practices
Product: Credit card or prepaid card

I have been holding Bank of America credit card for years and found it inconvenient in term of making monthly payment. I pay all my credit card balances in full to avoid interest as I don't need to take on expensive credit debt. I prefer to have an auto payment in full as I do for my other credit card. When I found out that I can set up auto pay a coupel months ago, I immediately do that. 

In the setup page, there are several options for payment amount, including the following : - amount due - minimum amount due - account balance among others. As I want to pay the full statement balance, it seems pretty obvious that my choice is amount due. in the page, they do have small blue words, when you click on it, a pop-up window will tell you exactly what these options mean. But at that time when I was setting up the auto pay, i did not notice it was there. Without any doubt that I have properly setting up the auto payment, I let the system made the payment for me. two months later, I notice I am getting interest charges in my XXXX and XX/XX/2020 statements. What happen is that the amount payment option only pay the minimum amount due each month. the coming statement will also have the interest charge. So a total of three month of interest changes sum to the amount of about {$200.00} has been imposed on my account. 

I think the web site is misleading. I call the customer service explaining what have happened and complained that the web site is misleading. I asked for a refund of the interest charge but the person told me there is nothing they can do and they can not give me the refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been XXXX days since I've sent in a letter to each credit bureau requesting that that they tell me how they verified some inaccuracies on my credit report. They sent me a vague response with no explanation and now I feel like I am being taken advantage of. My credit is a serious matter to me and I feel like they are not taking the issue at hand as important as they suppose to. I am prepared to file for litigation if necessary. I need assistance with this issue.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/XXXX. Since then the date of last activity has been inconsistently updated. On TransUnion the date last active is ( XX/XX/XXXX ) and on XXXX its ( XX/XX/XXXX ). If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account XXXX XXXX XXXX ; Account Number XXXX.