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

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX 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 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

I PAID MY ESCROW SHORTAGE ON INSURANCE AND TAXES ON XX/XX/year>, AFTER MEETING PRE-ELIGIBILITY REQUIREMENTS FOR REMOVAL FOR AN ENTIRE YEAR BEFORE IT WAS ELIGIBLE TO BE REMOVED. ALSO, MY PAYMENT TURNED INTO A PRINCIPAL AND INTEREST-ONLY PAYMENT OF {$490.00} DUE TO THE ESCROW REMOVAL. 
ALTHOUGH I WAS PAYING MY INSURANCE INDEPENDENTLY. I WAS STILL BEING ESCROWED AT THE SAME TIME. SPS CONTINUED TO ESCROW MY ACCOUNT AFTER MY REMOVAL REQUEST, SUBMISSION, AND THE SATISFACTION OF MY ESCROW ACCOUNT ON XX/XX/year>. 
MY ESCROW WAS NOT REMOVED UNTIL XX/XX/year>.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I co-signed on a lease and the other party was unable to complete the lease term so the vehicle was voluntarily surrendered. Toyota Financial placed the account in collections and I subsequently reached a payment agreement with the collections law firm. I have started making payments and was told by the law firm that Toyota will update my payment status with the credit agencies. 
On XX/XX/20 I called Toyota to check when my account status will be updated from Collections/Charge Off to Pays as Agreed. I was advised by the customer service agent that it will not be updated to Pays as Agreed and will only be updated to Paid in Full when the account is fully paid. This status is affecting my ability to be approved for financial aid for my studies and I would like Toyota to update the status to reflect the fact that the account is being paid.
Product: Debt collection

I've moved out out of XXXX XXXX XXXX XXXX XXXX  6 months after begining of the lease agreement due to lost employment. They had a provision and a proper move out notice with the evidence of the lost job was given ( they required a printed notice to their office ). 

Their manager XXXX XXXX did a move out inspection with me the unit and said that I should wait for the security deposit check in mail. I've provided them my new address in different state. 

Instead of a security deposit, I've received a letter from collections agency in XX/XX/year>. It was a shock for me, because I never got an invoice or request for payment from XXXX XXXX. 

After contacting XXXX XXXX management. I've learned from XXXX ( XXXX XXXX XXXX ) that there were extra days of rent outstanding and that I'm not getting the security deposit back. Without arguing, I've agreed to settle hoping to resolve it quickly. I was told that I will get the invoice by mail, but didn't hear back for over a month. I've asked second time, after I learned that Collections agency hired on XX/XX/year> by XXXX XXXX that negatively impacted my credit score and declined my rental application and XXXX XXXX. I got the repo bill by email from XXXX on XX/XX/XXXX for {$610.00}, and I've sent the check to their office the same week as soon as I got the bill with instructions. Both XXXX and XXXX from XXXX XXXX office confirmed receiving the payment on XX/XX/XXXX. XXXX email with a confirmation about contacting the collection agency. 

I've called the collection agency in XXXX and provided all the evidence with emails to XXXX which she declined ( that I could have faked ) and asked for a confirmation that the check my XXXX was deposited. I can't provide such confirmation, but XXXX XXXX XXXX contacted them with the confirmation. The collection agency itself refused to help or contact XXXX XXXX XXXX XXXX XXXX. 
With a series of unprofessional calls continuing that feel like harassment without attempting to listen or resolve the matter. I've received another call yesterday from the collection agency, XX/XX/year> asking for XXXX XXXXXXXX payment. I've asked them to stop harassment and remove the collection record which I dispute because I've never received a bill/ invoice with the amount due until XX/XX/year>. Instead, they have hang up on me and I still have a collections record that causes me emotional and financial harm.
Product: Mortgage

We opened a construction loan with a float down to conventional mortgage in XX/XX/XXXX. The financial institution was Banner Bank in XXXX Washington. Due to frustrations and poor customer service, we paid off the loan and moved the balance to another institution on XX/XX/XXXX. 

We prepaid inspection fees totally {$1200.00} and only {$600.00} of that was recorded against the escrow. As of XX/XX/XXXX we haven't received the {$610.00} refund or any explanation where the funds are. We've asked repeatedly, via phone calls and emails for a reconciliation and receive no response from the department responsible for the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : 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 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

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX Bank XXXX Bank XXXX XXXX XXXX lending services XXXX XXXX XXXX list the names of the accounts you're disputing ( just the names. 
XXXX XXXX Bank XXXX Bank XXXX XXXX XXXX lending services Rent Recovery
Product: Debt collection

According to the Fair Debt Collection Practices Act : Account : XXXX XXXX  Account number : XXXX I received a copy of my credit report from Transunion and XXXX. They are reporting inaccurate information about this account. This charge-off account is reporting I have a past-due balance of {$2600.00}. Also, I disputed this account XXXX XX/XX/year> Report number : XXXX and Transunion XX/XX/year> XXXX XXXX number XXXX. As attached below I received an email from XXXX stating I paid {$11.00} on XX/XX/year> to XXXX XXXX, this is misreported. According to the FCRA, I have the right to an accurate credit report. Please remove this from my credit report and provide me with a new report reflecting this account removed upon completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2020 I was notified from XXXX  XXXX  that my XXXX credit card is showing an increase balance of {$9.00} this is incorrect the balance is XXXX. My score went down 12 points due to this card showing a balance. Ive tried to dispute this with the credit reporting agencys but unsuccessful. Ive never been late on this card and the balance is paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that there is negative information reported by Comenitycapitalb in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing This is not my account on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

Back in XXXX of XXXX an unauthorized purchase of {$940.00} was charged to my Affirm acct. I immediately opened a fraud claim for this purchase in XXXX and Affirm did nothing to investigate for 4mo. After repeated demands on my part they denied claim and stated I needed to fill out an Identity theft affidavit and submit to them in XXXX of XXXX, which I did and still nothing has been done since then to rectify this claim. Since then they have disrupted my entire financial existence by reporting inaccurate late claims to XXXX causing my score to drop over XXXX. despite the fact they have NOT completed my fraud claim. I have disputed with XXXX and Affirm to no Avail and NEVER missed a payment relating to my personal acct that I WAS responsible for with Affirm. I have since then found that my daughter was responsible for the charge and both her and I have provided this info to Affirm, still no changes have been made to my acct to reflect I did not authorize this charge. Legal letters from Attorney has also been submitted to Affirm and XXXX on my behalf by certified mail, Which they received on XXXX and XXXX. 
I do not understand how a company can get away with such things without basis, and have processes they do NOT follow. I recently lost my XXXX XXXX in XXXX and have had Affirm harassing me ( despite I should NOT be receiving demands during open dispute claim ) during a time I am barely holding on mentally. I am trying to refinance my home but this credit reporting is hindering from doing so because of my credit score. I am pleading with your company to help to resolve. I have exhausted all known measures to me!
Product: Checking or savings account

I received a promotion in the mail from KeyBank. It states if I open an account by XXXX and make a single direct deposit of XXXX dollars or more in the next 60 days they would give me XXXX dollars. I opened an account online XX/XX/XXXX with XXXX dollars using an on, line transfer from another bank account at XXXX. Today, XX/XX/XXXX I went in and deposited a check to this account for XXXX dollars. I asked the teller if this would qualify for this promotion. He was not sure since it might have said a direct deposit. I asked would this be considered a direct deposit. He was not sure. Concerned, I called Key Bank when I came home about XXXX XX/XX/XXXX. I was informed the check deposit was not considered a direct deposit. Reviewing the promotion, it does say direct deposit. The Keybank representative, XXXX, stated that direct deposit means to Keybank that it is from payroll type of institution such as Social Security, a pension, salary from a job, etc. Nowhere on the promotion does it enumerate the direct deposti means from such an institution and a check deposit by me would not count. I told XXXX, I considered this fraud since I am not in the banking industry and my idea of direct deposit is my going to the bank and directly making a deposit. Furthermore, these terms are impossible to comply with. I logged into my Social Security account and the soonest I effect a change to my direct deposit is my XXXX payment. I usually receive my Social Security payment on the XXXX of the month. To comply with the promotion terms I would have to receive a Social Security Payment by XX/XX/XXXX or XXXX. Clearly this is further fraud. I could not change my Social Security direct deposit institution without first having an open account at Keybank. Social Security will not change a direct deposit institution in less than 60 days. I have changed my Social Security direct deposit 4 business days after opening the Keybank account. Keybank full well knows these time frames of Social Security and have committed fraud by intentionally misleading me and probably many thousands of others. The float the gain will be a large windfall. I suspect they have targeted likely Social Security recipients by simply usiing a mailing list filtered on the age. Please fine Key Bank to the fullest possible extent and consider criminal prosecution of their executives. I have a copy of the promotion. I have screen shot of the Social Security screen. Please contact me if you need any further documents. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX How can your complaint be satisfactorily addressed? 
An investigation a large fine against Keybank and criminal fraud charges brought against this company.
Product: Money transfer, virtual currency, or money service

I have a checking account with Navy federal Credit Union. I sent my daughter {$150.00} through XXXX on XXXX. I called, XXXX and they told me to contact Navy Federal. I did and was told my money would not come back to me. My daughter account is closed, and it is supposed to come back to me. I was told 24 to 48 hours and now is XXXX. I still didn't receive the funds. I am looking for someone to help me with this matter. 
Thank you
Product: Mortgage

We submitted this file for a short sale had completed all of the process except we were missing XXXX judgment for less than {$2500.00} from a third party hospital. It took a while to track down because we needed to locate the collection agency on the matter. After months of processing, the file was closed on the XXXX for the XXXX missing document and on the XXXX the document was sent to the lender with an updated HUD reflecting that the {$2500.00} would be paid at closing. No one looked at the file for 1 month and they have scheduled the home for sale
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identity theft showing on my credit report again and i was told by equifax i had to report to you all about the fraudulent accounts on my file. As follows the are fraudulent accounts that should be removed from my file immediately. XXXX. ( XXXX XXXX amount XXXX ) opened XX/XX/2022 next account XXXX  amount XXXX next account ( XXXX XXXX XXXX ) next XXXX XXXX XXXX next ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) next ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX  XXXX )
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 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

It seems that my credit file has been compromised once again. While reviewing my records, I discovered numerous items that do not belong to me. As a diligent researcher, I found that Section 605b of the FCRA legally obligates you to remove and block any items identified as resulting from identity theft. The disputed items are not mine. I have attached the necessary FTC Report, which I learned through further research is required by both parties. Please block and remove these files. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$370.00} XXXX  XXXX XXXX Balance Owed : {$750.00} XXXX  XXXX Balance Owed : {$9800.00} XXXX  XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX, TX XXXX
Product: Checking or savings account

I am on a small fixed income and have direct deposit. For the  last two  years my bank has charged me an overdraft fee of {$35.00} if there is not {$12.00} in my account to cover my monthly service fee. Every single month I go through this. Unfortunately all the money I get from  SSDI goes for my rent, my utility bills and food and sometimes I 've only got {$10.00} left in my account but still charged {$35.00} for being {$2.00} short for my service fee. I have repeatedly ask my bank to waive the fee but they refuse. Even though the money is guaranteed to be there on the 3rd of eac h month they still charge me {$35.00} if there is n't {$12.00} in my account to cover the service fee. Even if I have {$11.00} I 'm charged {$35.00}. I know I need to change banks but now it 's the principal of all this. I feel like I 'm being robbed by this bank. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; EQUIFAX MORTGAGE SOLUT XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2022 I stopped by the XXXX Bank located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX to open a checking account. 

I believe I was discriminated against by Regions Bank because I am an XXXX American XXXX. 

I was interviewed by a female bank representative. During the interview she gave me the impression that I was approved for a checking account. I listened to all of the prospects and opportunities I would have as a Regions Bank customer. 

I previously had a good relationship and banking history with Regions Bank. I did experience some financial hardships while my account was opened but I resolved all balances with the bank. 

I was denied the opportunity to open a checking account. Regions Bank moved to deny me the opportunity to bank with them again. I believe this was done because of erroneous information in the XXXX XXXX reporting system. I also believe that Regions Bank - just like other banks have discretion to take XXXX XXXX and XXXX XXXX information at face value - banks also understand that the United States is still recovering from an international pandemic and not every person has a pristine banking history. Based on my previous history with Regions Bank - I believe the bank should have considered this information as well. 

I know banks have discretion because I was able to open a checking account at XXXX XXXX XXXXXXXX XXXX on XX/XX/2022. XXXX XXXX XXXXXXXX XXXX also received a notice from XXXX XXXX but based their decision to open the checking account on my previous banking relationship. They offered me a second chance checking account that actually exceeds my needs. Perhaps Regions Bank should consider other product offerings including but not limited to second chance checking.