23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had contacted TRUIST a while back asking if I paid the deficit of my escrow I wanted my payments to stay the same on the mortgage. I have always been able to pay the deficit for escrow when taxes/insurance goes up and my payments stayed the same with other mortgage lenders. However, they said even if I paid the deficit my payments would never be the same. I asked why if I pay the deficit before it is due this should not affect my future payments. They said they can't do this. My question is why can they not keep my payments the same if I pay the difference before it is due and my payments remain the same?
Product: Debt collection

They have contacted me at XXXX XXXX few times and I have requested few times not to contact me at that time and still happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my police report and my FTC affidavit to the three credit bureaus Experian Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then Experian again and was accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. I went down to the police station and sent in a police report along with my FTC notarized Affidavit. Experian also accused me of not getting a police report from the police department that is not true and insulting. XXXX XXXX accused me of using a third party or a credit repair and again that is not true I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Defamation of character I appreciate your prompt attention to this matter, and await your reply.
Product: Debt collection

I called the number I found on my credit report and it just played music for  XXXX  minutes.  ( Collection to Deville Management  #  XXXX  {$1800.00}  XXXX  ) I have no record of this debt. I have no idea where it came from or what it 's for. I can not contact anyone to find out more information.     I have no documentation to send you, because I 've never received any.
Product: Checking or savings account

I had an active and open checking account. I received a deposit early XXXX and when following up, discovered the account was closed. The bank closed the account without notice yet still accepted the deposit. When asked why they accepted a deposit on a closed account they stated because it was temporarily opened. When asked how I could access my funds, they stated that I would receive a check after an unknown amount of time has passed. I have no access to my money and have not since XX/XX/XXXX.
Product: Debt collection

I got a Loan for {$500.00} from speedy cash in XXXX. It was not totally paid. In XXXX, XXXX put it in my credit report that it was opened in XXXX even though it clearly shows that the last pymt was in XXXX. They did this because the seven year reporting period was expiring. So now it shows as a new debt that is in collection and will negatively affect my credit for seven additional years.
Product: Checking or savings account

When I opened the account in XX/XX/2023 I was promised two different cash bonuses of {$300.00} each after three months. One was for having a direct deposit to the checking account and one was for keeping a certain amount in the associated savings account. Not it's XXXX and neither bonus has been applied to my accounts. I have made several attempts to contact Citizens Bank by phone to inquire about the status of the promised bonuses but each attempt has been unsuccessful. They often have ended my call abruptly. I have nowhere else to turn. Please help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete ASAP. I have not supplied proof under the doctrine of Estoppel by silence, XXXX XXXX XXXX XXXX ( MO } XXXX, I may presume that no proof of the alleged debt nor any such debt in fact exists.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically cash apps failure to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute and resolution process was unfair and deceptive, as they did not comply with the resolution requirements under the electric fund transfer act ( EFTA ) and regulations E. These actions have caused significant Inconveniences. And financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

you are not reporting the correct information to the consumer reporting agency i have giving you the correct information, but you fail to make the change.
Product: Mortgage

I received a notice on XXXX/XXXX/16 that my mortgage was being transferred from my current mortgage company to another one, effective XXXX/XXXX/16.
Product: Debt collection

I just found out by a XXXX XXXX XXXX XXXX XXXX  on XX/XX/2023. I owe more than one thousand in a school I never signed into as part of a contract. I never had auto payments deducted because I never signed on to auto pays and the collector known as Ability Recovery Services has been found as a fraudulent company who harasses and attempts to collect amounts with discrepancy and not accurate. I sent a formal letter to this collection company asking for information that goes to as how I owe anything to that school and they could not provide by Law any documents except an enrollment not signed by me papers. That is how this company is going by. That by Law is fraud. They have not rights at all in the state of Florida to attempt to collect any un accurate debt. The papers this collection agency has, does not show nor proof I owe debt to this school nor are the papers a contract signed by me.
Product: Bank account or service

On XXXX/XXXX/XXXX I received a BANCO 'S POPULAR check # XXXX dated XXXX/XXXX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$500.00} dollars. The next day I have deposited this check via mobile app to my XXXX XXXX XXXX Account. After a while I noticed that this moneys were never deposited so I contacted XXXX XXXX XXXX customer service to search for this deposit. After lengthy phone calls I received a letter from XXXX XXXX XXXX instructing me to bring the original check to the XXXX XXXX XXXX physical location ( branch ) to redeposit the original check as the mobile deposit could n't be researched. 
I re deposited this check on XXXX XXXX XXXX. 
On XXXX XXXX XXXX I received a letter from XXXX XXXX XXXX stating that XXXX XXXX XXXX debited my account for the {$500.00} dollars and said that this check was already deposited via mobile app and negotiated at XXXX on XXXX/XXXX/XXXX. 
PLEASE.. I never deposited this check to XXXX! I have NEVER owned an account there I never even heard of this bank. After XXXX XXXX XXXX accused me of trying to deposit the check twice I was left with only few options. I contacted the check issuer XXXX XXXX XXXX XXXX and asked them to call their Bank XXXX XXXX to search for that check so they e mailed me that the check was cashed and they cant help me anymore. XXXX XXXX stated that they cant research this check because I am not their customer. XXXX have searched their data by my name and social security number to see if someone opened an account there and found no accounts in my name. 
The bottom line is that I deposited this check on my mobile app to my personal account in XXXX XXXX XXXX the money never showed up and the check or the deposit cant be researched. 
I suspect a fraud or software issue because I only deposited this check to XXXX XXXX XXXX and they are claiming that I mobile deposited it in XXXX! 
Can someone contact banco popular and see who did they pay this check to?
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX # XXXX, I do not have a contract with XXXX XXXX XXXX XXXX XXXX and they did not provide with the original contract.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX  XXXX XX/XX/year>2023 XXXX  XXXX XX/XX/year>2023 XXXX XXXX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I was searching a bank for a home loan, I entered my information they asked for my social security and date of birth. I purposely entered my date of birth and social security incorrectly because I didnt want them running my credit. As soon as I released my application it said it was accepted and immediately I received a new inquiry message from XXXX and XXXX that this company pulled up my credit! This is illegal and against the law, they just violated the Fair Credit Act and they should be fined for this! I also want this inquiry removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Dear Checkr Compliance Team, Thank you for completing a reinvestigation of my background report. However, I still have serious concerns regarding the accuracy and completeness of the information included in the report, as well as its potential impact on my employment opportunities. 
1. Accuracy and Identity Verification : I request more detailed information on the procedures Checkr used to verify the accuracy of each record in my report, particularly any records that may have been incorrectly associated with my identity. The FCRA requires consumer reporting agencies to ensure maximum possible accuracy, and without a clear explanation of the verification process, I can not be confident that the reinvestigation fully addressed my concerns. 
2. Explanation of Adverse Action Rights : If the Consider status in my report could lead to an adverse action, such as a job denial, I request a clear explanation of my rights to dispute specific records under the Fair Credit Reporting Act ( FCRA ), including any next steps I can take to remove inaccurate information. 
3. Inclusion of Dated or Incomplete Information : In addition to concerns about accuracy, certain records may lack necessary details or seem outdated, potentially creating a misleading impression. While Checkr stated it is not required to remove accurate information, I request clarification on why records with incomplete dispositions or limited context have been included in my report. 

To ensure that my report is accurate, fair, and not misleading, I ask that Checkr provide a more thorough explanation and, if necessary, conduct an additional reinvestigation. If I do not receive a satisfactory response, I may consider further action to protect my rights under FCRA. 

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

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

I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. 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 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I sent out a letter To Verify The Accuracy On Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. I have the list of accounts thats inaccurate and its in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. I need financing for a car and this inaccurate report is hindering me. As the consumer.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of XXXX. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : Close late Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on. for 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 XXXX  XXXX {$6700.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX  XXXX Account # : XXXX Balance : {$6600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # : XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) Account # : XXXXBalance : {$2000.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) Account # : XXXX Balance : {$6100.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) Account # : XXXX Balance : {$200.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX  ) Balance : {$560.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) Balance : {$1600.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) Balance : {$1100.00} Date Opened : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. {$12000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$2200.00} Status Open. {$80.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX dispute Date opened XX/XX/XXXX XXXX {$2200.00} XXXX XXXX XXXX {$2200.00} past due as of XX/XX/XXXX. 
The Fair Credit Reporting Act ( FCRA ), section 605B states that the credit bureaus are required to block any and all information from appearing on your credit report that is a result of identity theft or fraud.
Product: Money transfer, virtual currency, or money service

I have been trying to use XXXX to link my pnc checking account in a mobile investing application called XXXX and have not been able to log into my pnc account because of an undisclosed bank discrepancy. Please work as a liaison between pnc & I to resolve the issue.
Product: Debt collection

On XX/XX/23 I received an alert from XXXX that a major derogatory mark had been made on my credit report with XXXX by Central Portfolio Control for an account I was not aware of. After checking the other two bureaus, I saw that the same mark had been made on my XXXX report as well. I have not received any contact by this debt collection agency by phone, email, or mail with regard to an outstanding debt. It is my understanding that before a debt collector can report a debt to a credit reporting company, the debt collector has to either speak with me in person or over the phone about the debt, mail me a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or send me an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. I have not received any such communication, and yet the debt has been reported to two major credit bureaus and negatively impacted my credit score. I was not provided any information about what the debt is, verification that it belongs to me and hasn't been paid off, or info on how to dispute it.
Product: Debt collection

Convergent Outsourcing, Inc has called repeatedly and sent a written letter claiming to collect a debt that I do not owe. I made contact to the Original Creditor and they confirmed it is a scam as they have no record of account reported by this debt collection company.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the multiple unsuccessful attempts I have made to correct late open account associated with my financial profile. The continued presence of these inaccuracies on my records is causing significant distress and affecting my financial well-being. 

I initially brought these issues to your institution 's attention, with the hope that the necessary corrections would be made promptly. However, despite my multiple efforts to rectify this situation, I have yet to see any meaningful resolution or progress. 

The late open account that are currently appearing on my financial records are having adverse consequences on my creditworthiness and financial stability. They are making it challenging for me to secure loans, credit, and favorable interest rates, thus impeding my ability to meet my financial obligations and achieve my financial goals. 

I first submitted a request to correct these late open account, providing all the required documentation and evidence to support their inaccuracy. Nevertheless, my request was denied without a clear explanation or thorough investigation. 

Determined to rectify this issue, I submitted a second request, reiterating the evidence that these late open account was erroneous. To my dismay, this request was also denied without any indication of progress or resolution. 

Following these unsuccessful attempts, I made a third and final effort to address this matter, with the expectation that my concerns would finally be addressed appropriately. However, I have received no communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. 

I urgently request that your institution takes immediate and effective action to correct this situation. I expect a comprehensive review of the late open account and, if found to be inaccurate, their prompt removal from my financial records. Furthermore, I request written documentation confirming the correction of this inaccuracies and their impact on my credit profile. 

I also urge your institution to improve its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to handle financial matters accurately and fairly. Please assist me to correct the following late open account from my credit file : XXXX XXXX XXXX XXXX Balance : {$0.00}.