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

Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : XXXX CB/EXPRESS XXXX Found out that these is/are incorrect information listed under my name and I was never late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( 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.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Checking or savings account

On XX/XX/2020 @, I attempted to withdraw {$120.00} USD from a Chase Bank ATM @ XXXX XXXX XXXX in XXXXXXXX NY XXXX. Due to a distraction on my phone, I did not retrieve the funds from the ATM in an expedient manner. The funds were pulled back into the ATM and my account was debited for the amount. 

The card I used at the ATM was my XXXX XXXX card issued by XXXX.I called the bank branch manager the following day. I was told I needed to dispute the charges with the card issuer as it was considered a problem on their end in terms of crediting my account back. I asked them to review the security footage to see that the ATM had taken the money back. They refused to honor that request. My benefits card agency instructed me to dispute the charge with the bank and the bank instructed me to dispute the charges with benefits card issuer. I have been given the run around and I desperately need those funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX placed a derogatory mark on my credit report on all four credit bureaus. See attached documents. Upon further research, this account is still being reported incorrectly. Even though, I dont believe that this account is mine, i paid it off to resolve the account as it was reporting on my credit reports. I have asked on numerous occasions that the credit line be updated to reflect the correct information in accordance with the FCRA law, but no change has yet to done. According to the FCRA, XXXX XXXX XXXX, has violated my rights as a consumer and Im requesting legal action to remove this account immediately from all four of my credit reporting bureaus. 

I had to search for the records, and i have been successful in locating the factual data to make this claim actionable and creditable on my part. The earlier, claim was ignored with their remarks but no factual proof, however. I have included the records this time, please assist me in this legal venture. As XXXX XXXX XXXX is engaging in illegal business practices, and they are doing it on purpose. 

I paid the collection even though I dont believe the account is mine on XX/XX/XXXX, yet when I review my credit bureau reports and the information is still not accurate and they are intentional giving me the brush off and reporting the account incorrectly on purpose. I have asked on numerous occasions that the credit line be corrected, as this is a direct opposition to the FCRA and I want it fix on all four of the credit bureau reports, the XXXX XXXX XXXX is reporting the credit line as if i just made the payment in XX/XX/XXXX which is not actual nor factual. As I believe they will continue on with this business unethical business practice unless a stand is made. 

The attached records will support my statement above and my previous statements against XXXX XXXX XXXX, as i had stated earlier in my first complaint. 

Thank you for your assistance in this matter, as it is greatly appreciated.
Product: Credit card or prepaid card

In XX/XX/XXXX ( I believe XX/XX/XXXX ) while paying my balance over the phone on my American Express card I was solicited for the American Express Premier Rewards card. I was told at the time that after meeting certain criteria I would get XXXX points worth, among other possibilities, a {$250.00} credit on my credit card account. I signed up. I later received the XX/XX/XXXX Membership Rewards Program Terms and Conditions. Nothing in the terms and conditions contradicted what I was originally told concerning the {$250.00} credit. After meeting the criteria and several calls to American Express, I was awarded the XXXX points. When I tried to apply the points to a credit I was told the credit would only be {$140.00}. That the ratio was XXXX points/dollar. I explained that the ratio of XXXX points/dollar was not what I was originally told and an investigation was opened, # XXXX. At the conclusion of the investigation I was basically told that the conversion rate was XXXX points/dollar. I explained again what I was originally told to no avail. I asked if they had pulled the recording from when I was first solicited the credit card and they said they had n't. I asked if I could get a copy of the recording and they said I have to get a subpoena. 
After signing up with American Express under a certain verbal contract, they then did not honor that contract. When I asked for an investigation, they did little. I would like American Express to honor what I was told when they were originally selling me their card and apply any credits to my account at the ration of XXXX points/dollar. This would include not only the initial XXXX points but also any additional points earned while using the card. The ration of XXXX points/dollar should apply to points earned through purchases because when I made purchases, part of my decision of which of my credit cards to use was based on the ration I was originally told by American Express. Had I known the ration was XXXX points/dollar I would not have used their card. Infact, I have stopped using it.
Product: Debt collection

On XX/XX/2022 I received a letter in the mail from a collection agency called Transworld Systems Inc. They are claiming that I owe a debt to a company called XXXX XXXX XXXX XXXX. I never heard of neither of these companies and I don't have contracts with neither of them either. They said I have 30 days to respond to them otherwise they will assume that the debt is valid. They said if I don't pay the debt XXXX XXXX XXXX XXXX XXXX continue to report it to credit reporting agencies as unpaid for as long as the law permits it. I responded to them immediately. 

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 and 15 USC 1692 XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681sXXXX ( A ) ( XXXX ) 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. Code 1692XXXX Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( XXXX ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( XXXX ) not state that such consumer owes any debt ; 15 U.S. Code 1692XXXX A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 
( XXXX ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

15 U.S. Code 1692XXXX ( a ) Communication with the consumer generallyWithout the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S. Code 1692XXXX Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( XXXX ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Product: Mortgage

I am writing to express my extreme dissatisfaction with the recent actions of NewRez and its contracted asset management company XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, Newrez Mortgage sent XXXX XXXX XXXX, without any prior notification or authorization, accessed our property. During this unauthorized entry, representatives of the company took photographs of our home, inspected the interior, and posted a threatening note on our door. This note falsely claimed that our property was vacant and abandoned and threatened to change our locks and drain our plumbing. 

Despite immediate contact with NewRez on XX/XX/XXXX and XXXX to dispute these false claims and express our concern over the unauthorized entry and threats, NewRez failed to provide a reasonable explanation and took no action to prevent further harassment. 

I asked NewRez to provide why they inspected the property. They would not provide details. I did receive details of the inspection. The inspection stated that the property was well kept in both the interior and exterior and was OCCUPIED. 

To our utter disbelief, XXXX XXXX XXXX returned to our property on XX/XX/XXXX, with the intention of changing our locks. This repeated intrusion, without any justification or prior notice, is a clear violation of our privacy and constitutes harassment. 

We have consistently met all our mortgage obligations and have not missed a single payment. There is absolutely no reason for this aggressive and disruptive behavior. 

As of XXXX XX/XX/XXXX Newrez/Shellpoint Mortgage still is unable to explain why they continue to send an asset management company out to our house. 

Could you imagine coming home to having your locks changed with absolutely NO justification? We demand that NewRez immediately cease all unauthorized access to our property and instruct XXXX XXXX XXXX to desist from any further actions. We reserve the right to pursue legal action if these intrusions continue. 

We expect a prompt and satisfactory resolution to this matter.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/year>, there were multiple unauthorized charges to my CashApp account in the amount of {$5.00} from XXXX XXXX that totaled approximately {$220.00}. 

On or about XX/XX/year>, there were multiple unauthorized charges to my CashApp account in the amount of {$.00} from XXXX XXXX, XXXX XXXX XXXX, and XXXX that totaled approximately {$250.00}. 

I contacted Card Support to report these unauthorized charges/purchases. When I finally reach a representative I was advised that an investigation would be started, however ; I was not given a time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # 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
Product: Credit reporting, credit repair services, 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 & block 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 block/remove these files. 


XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Paid XXXX XXXX XXXX XXXX XXXX They refused to update credit report saying there company policy is not to update information after collection is posted. Per 2 different representative I spoke with. Filled dispute with transunion.com and XXXX. To correct balance to XXXX XXXX XXXX corrected report. Transunion.com keeps finding balance of XXXX $ correct.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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, credit repair services, or other personal consumer reports

My bank account was hacked back in 2018. My bank suspected the fraud and but a freeze on my account. They later mailed me a copy of a fraudulent check that hackers used on my account after getting into my online banking username and password. That account was closed but I had an investigation on it because I had money in my account when this happened. I went back and forth for over a year trying to get information on this and got nowhere over the phone and in person at my local branch. This account and debt from fraudulent activity is now on my XXXX XXXX report. I disputed it with XXXX XXXX. XXXX XXXX never mailed me anything but when I called them to follow up XXXX XXXX is saying the Bank of America verified the account. Just a few months ago Bank of America mailed me 2 checks saying there was an error made by them but this account is still in my XXXX XXXX debt and report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX refuses to send permissible permission to access my credit report and continually claims my requests and complaints as duplicate. This involves account # XXXX. I have made more than 50 requests over the last two months and XXXX XXXX XXXX XXXX continually plays games and call request and complaints as duplicate.
Product: Debt collection

I keep receiving a bill for XXXX from North Americian Credit which I do not owe. I also found out they are not allowed to do business in the State of Georgia. I have talked to them and to no prevail.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX : {$310.00} XXXX XX/XX/XXXX Inquiry : XXXX XXXX, XXXX XXXX XX/XX/XXXX Inquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXXVERIFY Inquired on XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the public record below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To someone in a position of authority that can help me resolve this issue, On XX/XX/2020, I wrote to you requesting an investigation into items that I believed were innaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. Section 611 ( a ) states that the failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It is currently 57 days, at this point these items need to be removed immediately. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply immediately with your investigation results. Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. I was also affected by the Equifax data breach, and this problem could be the result of someone using my information fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was patient when it comes to disputing my Credit Report as long as I see progress, but this patience grew shorter over time due to the Credit Bureaus negligence and indifference with their work! I have been trying to correct my Credit file through written appeals requesting the update and correction of the disputed accounts form my Credit File. The last letter I sent to the Credit Bureaus was XX/XX/2022 and up until now I am waiting for the Credit Bureaus to respond. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian have all put collection accounts onto my credit report. They have reported information to third parties like safe rent and core logics prohibiting me from being able to rent properly with no evictions, judgments or criminal background. I have disputed with all three companies more than a few times. They have put unauthorized charges and inaccurate items onto my credit report and by law it is illegal to put those items onto my credit report without my consent. FRCA Section 605 B.
Product: Mortgage

The terms and conditions changed regarding removal of PMI. It was XXXX and now XXXX to remove the PMI. Bank of America can see this in the letters we received for the same request to remove the PMI. XXXX letter stated XXXX in XXXX. The new letter stars XXXX to remove the PMI even though the market say the property value is XXXX more than the appraisal.
Product: Mortgage

Our home was owned by my mother XXXX and XXXX we purchase our home in XX/XX/XXXX we refi a couple of times then my mother who had been retired since the purchase was convince to get a Reverse Mortgage and we were told that it would not effect us and that after she passed that I could keep the home no questions. My mother passed XX/XX/XXXX and now Financial Freedom does not to accept that the home was owed by both. When she took out the HECM loan the home was in my name alone I was told then not to worry and it was acceptable with HUD I was also told that I would be placed back on title which the lender not escrow did as I have found out now. Now I 'm being force to sell the home since now I have retired and there is n't enough equity to get a new loan, I requested Financial Freedom the time to go to Hud and plead my case I was turned down and am in foreclosure and may lose my home that we owned. 
A XXXX who I was told would not grant me because we where to late in the 90 day posting, we did what they asked from us they asked to place the home in our name I contacted an attorney and was told it takes some time and cost and before I do this that the lender would allow us the time THEY DID N'T they just closed the door on us I have filed a complaint with HUD and now with you I do n't want to lose our home please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  directly, as well as, XXXX, XXXX, and XXXX  since XX/XX/2019 disputing the error that is being reported in the amount of $XXXX. This is heavily affecting my quality of life.  Neither the creditor or the credit bureaus have provided me with a contract or other legal proof supporting their claim.  Both of them just send form letters that avoid the request to show proof.  I need their ridiculous paper shuffle to stop.  By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.