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

Hello, These Accounts are STOPING me from ability of getting a new house for my family. 


Account name : XXXX # XXXX 15 U.S.C 1681 Section 602 A. States I have to right for privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Sections 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 crime 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: Debt collection

XXXXr under Account # XXXX This account is being illegally reported on my credit report due to inaccuracy. I requested method of verification on this account. How is this accurate if the term duration being reported inaccurate, date opened is inaccurate, high credit amount is inaccurate, credit limit is inaccurate, last reported date is inaccurate, & the date last active & last payment date is inaccurate, and most important my birthdate is wrong on my consumer report. Therefore, I am now formally requesting method of verification according to the Metro 2 Compliance standards. Any automated response, or XXXX verification is unacceptable. This listed item is entirely inaccurate and incomplete and must be deleted. Furthermore, if at any time during your investigation the above account is verified by XXXX. I requested 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. This account needs to be removed from all XXXX consumer reports due to inaccuracy and incomplete information. This account does not comply with Metro 2 compliance and legally can not be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a single mother raising XXXX XXXX. I have been targeted by lender and I feel this is based on my culture. I know that my counterparts many paid for school out of pocket. As a minority we are are the last hired at the lowest pay scales. I can accept that there is not much I can do about this type of discrimination. Now lender discrimination is a legal matter that should be addressed. I have on credit report 41 different accounts reporting of student loans. Each of these account have changed hands several time without any notice to me as the consumer. All accounts are showing negative payment history. Each lender has baited and switched these accounts for leveraging against me as single parent. I have received correspondence from the bureaus stating that they have removed an account or updated an account. When I look closer I see that they are still circumventing the rules. They are actually responding without even looking at the actual dispute because if I address 41 negative student loans account and the bureaus address one out of 41, they are still omitting the fact. As long as lenders are doing this XXXX XXXX and I have no future because we  can not pay in full student loan debt. I am trying to get better rate but these lenders have my family captured by using this process.
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

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  Balance : {$16000.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX  Balance : {$370.00} ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX  Balance : {$4300.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$20.00} XXXX XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$130.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

1. I need to access a very small amount of transaction information for a small business account with Suntrust for which I am listed as the beneficial owner.

2. I contacted Suntrust by phone today, XXXX XXXX, 2021. I spoke with XXXX XXXX. I provided : My name The name of the nonprofit The tax ID of the nonprofit The email address on the account. 

I made available : The business address The business phone number Basic information about the account, such as the date and location of the branch of the opening of the account. 

3. XXXX stated she could not access my account without the last four digits of the account number. 

4. Even though I provided my email address to Suntrust upon opening this account, and even though they sent me emails about my account, none contained the last four digits of the account number.

5. I asked for a supervisor. XXXX said I would have to wait 24-48 hours for a callback. I said I would wait on the line for a supervisor instead. XXXX put me and hold and apparently interacted with a supervisor or manager, demonstrating that one or more was in fact available. Then she hung up the phone on me indicating that she was disconnecting the call.

6. I currently can not access the bank statements because they are in another location hundreds of miles away. 

7. What if someone loses their bank statements and then needs to access the account? Then, they can not do it, except in person? 

8. There are no Suntrust branches near me in my current location of XXXX Illinois, except hundred of miles away. Closest branch seems to be XXXX, Tenneessee, a XXXX to four hour drive. I do n't drive. It will cost me hundreds of dollars to visit a branch and access this information.

9. I called back and spoke with XXXX XXXX. She said she would need the last four digits of the bank account number. I asked for supervisor, who did come on the line eventually.

10. Supervisor, XXXX XXXX, said the bank 's strict policy was : Without the full account number, they need the full tax ID number and the last four digits of the account number. She said she could not access the account.

11. Suntrust has been unreasonable, unhelpful, and created significant burdens with no meaningful relationship to account security. As a policy and practice matter, and as a regulatory matter, Suntrust and other banks should offer additional ways for customers to verify their account information by phone other than the account number ( which most people do not remember, especially for closed accounts ), especially when they do not offer branches nationwide.
Product: Debt collection

received a letter stating I owe a debt to this company this company is violating my rights to privacy. As I do not have a contract with this company, nor have I given this company permission to have or house any of my personal information. 

This is a violation of FDCPA, and FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX 2017 I reuested a credit report to dispute a report. I only wanted a report. Since then Experian has billed my banking account a total of close to 75 dollars. They were billing my bank card for services I did not know or request. XXXX were also billing my card. I called on XX/XX/XXXX to have this cancelled and a full refund. I was told they could issue only one month and could tell I received emails but could tell I did not access the account. I was told to email customer support. I emailed customer support and on XX/XX/XXXX. I received an email saying they were not going to refund my account and to call customer support. I called customer support and the sup XXXX said they were not going to issue a refund for services they provided. I advised that they can not just charge me for access to all three bureaus because XXXX were already charging me as well for services that XXXX XXXX was doing for free.
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I made a payment to pay the entire balance of my credit card. 5 day later my account has not be credited by the payment has been taken out of my account. When I called to point this out, I was told there nothing they could do and just argued with me. I asked for my money back since I got nothing for my payment and was hung up on.
Product: Credit reporting or other personal consumer reports

To Whom it may Concern, This is this complaint is submitted Under OHIO XXXX XXXX XXXX of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill XXXX or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO XXXX XXXX XXXX Taking assignment of debts ( XXXX ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, XXXX, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, XXXX, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. Here are the accounts : 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
Product: Mortgage

XX/XX/2018 received bill from Wells Fargo stating XXXX home equity line payment would be charged an extra {$190.00} for accrued interest on outstanding balance of entire loan, {$54000.00} XX/XX/2018 recieved bill from Wells Fargo stating we owe an extra {$680.00} on accrued interest on the principal of {$220000.00} XX/XX/2018 talked to Wells Fargo rep and they said that is how it is down each month you are charged accrue interest on your outstanding balance. How can this be when you have a fixed mortagage with interest already in your payment? 

Thee is no escrow on the account as it was originally through XXXX XXXX. We pay our insurance and taxes ourselves. We were behind in our payments till XX/XX/2018 and paid off the delinquent amounts plus XXXX payments so the XXXX one should not reflect any back interest. The rep stated this would be the way our bills would like form now on having the above noted accused interest added on to our monthly payments. So we will b paying interest on the interest on our account. Until this date in XXXX no bill EVER showed accused interest.
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation of XXXX Inaccurate Reporting and Response Dear Consumer Financial Protection Bureau, I am writing to request your assistance in resolving a dispute regarding inaccurate information reported on my credit file by XXXX. Despite filing a formal dispute with the CFPB on XX/XX/XXXX, XXXX sent me a letter dated XX/XX/XXXX, stating that the account in question had been investigated, deemed correct, and would remain on my credit report. 

The account, which XXXX lists as a repossession in XX/XX/XXXX and a charge-off in XX/XX/XXXX, contains the following inaccuracies : Repossession and Charge-Off Reporting : It is unclear and inaccurate for the account to be reported as both repossessed and charged off within such a short time frame. 
Failure to Issue Form 1099-C : I have not received a Form 1099-C for this account, which raises serious doubts about whether the debt has been properly verified as canceled or discharged.

This situation raises concerns regarding XXXX  compliance with the Fair Credit Reporting Act ( FCRA ), specifically : 1. 15 U.S. Code 1681 ( e ) - Compliance Procedures : XXXX is obligated to ensure maximum possible accuracy of the information it reports. The discrepancies in how this account is reported, combined with the absence of a Form 1099-C, suggest that XXXX has failed to meet this standard. 
2. 15 U.S. Code 1681 ( i ) - Procedure in Case of Disputed Accuracy : XXXX is required to conduct a reasonable investigation when a consumer disputes an account. Their response dated XX/XX/XXXX, does not adequately address the issues I raised, nor does it provide sufficient verification of the accuracy of the account. 

Despite my attempts to resolve this matter, XXXX has failed to take appropriate action. The inaccurate reporting continues to harm my credit standing and financial well-being. 

I kindly request the CFPB to investigate XXXX  handling of this matter and require them to provide proper verification of this account or remove it from my credit report. Specifically, I request confirmation that the investigation was conducted in accordance with FCRA standards and that the accounts accuracy was properly substantiated. 

Enclosed, I have included : Copies of the XX/XX/XXXX, response from XXXX Evidence of my original CFPB dispute filed on XX/XX/XXXX A copy of my credit report showing the inaccuracies Any additional supporting documentation Thank you for your assistance. Please feel free to contact me if further information is required. I look forward to your help in resolving this matter. 

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

I have been doing business with Navy Federal for multiple years. I fell behind two of my accounts and had to request a payment arrangement for 1 account. I made the arrangements prior to the account going 30 days past due. The personal finance department had me file a claim to show my financial status. I went through all the proper channels to prevent a late mark on my credit file. The representative on the phone assured me that it would not be reported late. I was told even if it was to call, and they would remove it. 

Since it has been reported and Ive been going back and forth with them for 8 months trying to fix this. Ive done everything that was asked of me. They told me to write statements, dispute with credit companies and that it would be removed. 8 months of phone calls l, 8 months of broken promises. Ive dealt with many customer service agent who asked me to do something to get this 1 mark removed and nothing has changed. Ive had 3 accounts with them and no other late marks. 

They are showing their true colors with the way I am being treated over this. False promises. As a veteran I went with this bank to handle finances thinking I could rely on them for fair treatment and great service. I am very disappointed in the service I have received.
Product: Mortgage

In XX/XX/year> I was illegally sold a house with a FHA loan. The house did not pass inspection and somehow the paperwork went through and I was granted the house. Since we have been here the septic has been overflowing into my home and in the back yard. It comes up through the bathroom sink and bath tub. When I bought the house it had a non functioning working drainage system as well as a non working septic system. I asked the mortgage company to fix it and they said I bought the house as it. No I did not. I paid for an inspection but never received it. I obtained one by the previous owner XXXX XXXX. In doing so, I noticed multiple issues with this seller. I am now broke due to the issues I face with this property. I put my life savings down of XXXX to get this new home for my family and I. It has been nothing but horror. Our dog died due to the on going draining of the septic contents running in the backyard. Also I tried to claim this problem on my insurance and they said they do not cover that. I have the paperwork where I HAVE THE COVERAGE! I quit paying everything due to financial struggles and the fact I was lied to. Please help!
Product: Debt collection

On XX/XX/2019 I received correspondence from Associated Credit Services , Inc. for a debt in the amount of {$150.00} that I have no knowledge of. I am requesting that this issue be resolved immediately.
Product: Debt collection

Continuance of complaint # XXXX. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL. 
NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 

On XXXX XXXX MRS BPO , LLC attempted to collect an unvalidated alleged debt. 
On XXXX XXXX MRS BPO , LLC attempted, for a second time, to collect an unvalidated alleged debt. 

On XXXX XXXXXXXX XXXX XXXX XXXXXXXX made a request for validation of the alleged debt, to which MRS BPO , LLC could not respond to adequately. 
On XXXX XXXX MRS BPO , LLC responded by saying they would no longer attempt to collect the debt, but did not respond with what was requested in the debt validation letter. 
On XX/XX/XXXX ( within the same response by MRS BPO , LLC ) - MRS BPO , LLC stated, " MRS denies any suggestion that it violated collection laws or any other laws described in this complaint ''.

MRS is now being given 2 options, Respond to the Debt validations, in full, or pay the attached violations in the pdf attached to this complaint. They have 30 days to respond. Proof of their violations have been recorded and submitted to the CFPB.
Product: Credit reporting

I requested a Security Freeze from Equifax twice because I was a victim of ID Theft. I am also a senior citizen. They have failed to place a security freeze and send me a pin. I sent in XXXX 2015 and XXXX 2015 and when I call they just try to sell me monitoring or try to make me pay for the security freeze.
Product: Credit reporting or other personal consumer reports

This evening, I was shocked to find inaccurate accounts on my credit report, and I have no idea how they got there. I routinely check my credit, and suddenly, there were unexpected discrepancies. I tried refreshing the page, thinking it was a glitch, but the errors remained. I really need the documents Ive submitted to be carefully reviewed, so I dont have to worry about this again.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX an retaliatory hard inquiry made due to cfpb complain XXXX. When calling citizens, they stated they didn't make the inquiry and they only make one inquiry per month which was on XX/XX/XXXX when they stated my personal information didn't match my credit report. Citizens is blaming XXXX for two inquiries two weeks apart. Didn't apply for any loans to justify the second inquiry on XX/XX/XXXX. Only logical source for the inquiry is citizens trying to " resolve '' the prior cfpb complaint XXXX and made an additional hard inquiry on my credit report. 

Since per citizens that I'm not who I say I am and that my social security number is invalid, they need to remove both hard inquiries from my XXXX report.
Product: Debt collection

Credit Management LP at XXXX XXXX XXXX XXXX XXXX TX XXXX has been mailing me collection letters via mail about a {$610.00} it is being reported as past I dont know this company this company does not have a contract with my signature because I have never done any business with this company