23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$390.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account, XXXX XXXX XXXX as being past 7 years old. As the original creditor, XXXX XXXX is almost a decade old. Experian then told me the time starts when it is first reported by collections, not when the account first defaults with the " original '' creditor. The have disputed this twice.
Product: Credit reporting or other personal consumer reports

unauthorized and potentially fraudulent credit inquiries that lack proof of permissible purpose, as mandated by the Fair Credit Reporting Act ( FCRA ). These inquiries allegedly originated from the following Original Creditors : Alleged Creditor # Summary of Inquiries being challenged in list form 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I asked the company to clarify the Pennsylvania hiring laws with XXXX because XXXX has suspended my hire indefinitely until they can decide what is going on with Pennsylvania charges which is illegal while my charges are in pending status I asked that checkr stopped reporting to XXXX to consider all my pending charges I asked that they only report conviction which I have no misdemeanors or felony convictions so their would be nothing to report I also showed XXXX directly from their site they also follow city to city and state to state hiring laws because they said it vary on their website and Checkr website also say they follow Pennsylvania hiring laws so Im asking they do not report anything on me that will keep me not working until the status has reached a verdict in court. I also attached XXXX and checkr laws directly from their site since they both operate publicly and privately in the state of Pennsylvania
Product: Checking or savings account

re : Marcus CD This CD matured on XX/XX/XXXX -- earning 2.75 apy. On XX/XX/XXXX I did an on-line inquiry of the renewal rate -- reading the actual interest rate would be per the actual renewal date. So I decided not to do anything until maturity. Today, within 10 days of maturity date, I went on line and saw the CD had been renewed for 6 months at 0.6 %. Furthermore I was told I was beyond grace period from XX/XX/XXXX. 10-day grace period starts from the maturity date -- the online inquiry starting the clocking is not legitimate. 
I was on the phone today for over 1 hour, speaking to 2 supervisor, appealing the arbitrary company policy, to no avail. I asked to speak to a higher level person -- was told only to wait for 24-48 hours, i.e., I would be further penalized for the cost ( not of my fault ) of the lower interest rate, plus more penalty ( over 700 as of today XX/XX/XXXX ) if I have to close the CD and run with my money.

Back when the law was enacted for a 10-day grace period, there was no online banking, so there couldn't have been a distinction between an online pre-maturity renewal vs. a renewal of a CD after maturity. So the company line is heads it wins and tail I still lose.
Product: Checking or savings account

On XXXX XXXX I made a deposit to my checking account from XXXXXXXX XXXX which is one of my incomes as a XXXX XXXX  in Texas that amount was {$28.00}, then my Father sent me {$700.00} to be exact via XXXX through the Bank of America app and the purpose of him sending me that money was for school because I had a deadline for a specific course then I deposit another {$16.00} that was sent from my brother on XXXX. The VERY next few hours not even one day later {$660.00} was withdrawn from my account with no authorization from me the only account holder to my checking account and there was no message indicating my account was going to be charged I did not owe any money as I called the company 10 times today and they confirmed I didnt owe anything but now I got to wait until Monday to speak to the representative from that specific branch which was XXXX XXXX . There never should have been a withdrawal from my account because this was money sent over from a family and my income combined. I was going to wait until the next day to take my money and use it for my education but now Bank of America has made things very difficult for me to even access my money that they took with no authority
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XXXX XXXX THE FOLOWING ACCOUNTS HAVE SEVERAL ERRORS AND ARENOT IN METRO2 COMPLIANCE UNDER BSCF13 TERMS DUARTION THERE ISMISSING INFORMATION. BSCF20 COMPLIANCE CONDITION IS QUESTIONABLE.PLEASE DELETE THE FOLLOWING INACCURATE 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 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: Debt collection

See complaint number XXXX for reference. After stating that I would no longer be contacted for a debt owed by someone ( XXXX XXXX ) who had my phone number over 3 years ago, I have once again been contacted by someone claiming to be XXXX XXXX with XXXX XXXX XXXX. Call was this morning ( X/X/2018 ) at XXXX ( PST ). 

I do n't know XXXX XXXX, STOP CALLING ME.
Product: Credit reporting or other personal consumer reports

The school will not provide any transactional history to any third party companies due to the family and educational privacy act of 1974. The debt was forgiven and whatever was forgiven was to come back to me in the form of a check. Company has 14 days to remove inaccurate information and provide remedy and compensation for violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this acima account because it is not me the address they have does not match mines. I also disputed XXXX XXXX XXXX and merchant credit guide. It is in violation of the 15 U.S.C 1681G Law this is not verified.
Product: Credit card or prepaid card

On XX/XX/XXXX I mistakenly transferred {$10000.00} from my non Wells Fargo checking account to my Wells Fargo credit card account. I began calling asking for the funds to be transferred back into my checking account. Each call resulted in a different outcome. I have been told on several different occasions the money would be transferred and given a date when it would happen. To date the money still sits as a positive balance in the credit card account. The last call made ended up getting handed off to someone in a different area of the company and was told it would take 30 days for the money to be returned. They take 30 seconds to accept the money,. 30 days to return it.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 


3. there is some inaccurate information reporting ONLINE IN XXXX  Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Debt collection

On XX/XX/year> I received an email from a company called, Mercantile Adjustment Bureau , LLC. They are stating I have a balance owed of {$1300.00} with XXXX. The creditor they are collecting for is XXXX XXXX XXXX which is a creditor I have previously had try to collect funds from me that were not owed. Mercantile Reference XXXX is XXXX. I have not been with XXXX in over 10 years and when I left their company, I did not owe them anything. This is a company trying to get funds that are not owed to them. Phone # for XXXX is XXXX. Address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Mortgage

Adverse Action Notification Loan # XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX To XXXX I spoke with one of your representatives last Thursday, XX/XX/XXXX. ( No I do not know her name ) .She told me that she would further research the conversation we had and call me back. She never did. 

I called because I was denied credit for a loan that I NEVER ASKED FOR! The " turndown '' was received in a letter of " Adverse Action Notification '' which in part said, " that you ( Loan Depot '' were unable to offer me a loan because of information contained in a consumer report ''. Key factors cited in the turndown denying us credit were : XXXX ) XXXX -- Time since most recent account opening is too short XXXX ) XXXX -- Amount owed on revolving accounts is too high XXXX ) XXXX -- Proportion of balances to credit limits is too high on bank revolving or other revolving accounts XXXX ) XXXX -- Too many accounts with balances It's interesting that your documentation states that " The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. '' and yet you cited the specific reasons " that adversely affected your credit score '' Once again, since I never asked for a loan, why was I being turned down?. In addition, my wife and I have excellent credit and we've never been turned down for a loan, In addition, I CURRENTLY HAVE A MORTGAGE WITH LOAN DEPOT! Evidently my credit was good enough for a mortgage but not good enough for a loan that I never asked for! 

Finally, I am extremely concerned with the latitude that Loan Depot has to share my information, including this information, shown under " What does Loan Depot .com LLC do with your personal information '' I believe if the information found in " The Adverse Action Notification '' was shared with anyone that my credit worthiness would be severly damaged.. 

I do expect that Loan Depot resolve the above issues immediately! 

XXXX XXXX.
Product: Credit card or prepaid card

I am a long time Citibank cardholder and my credit history can confirm that I pay on-time and in full every month. Twice I have experienced what I consider unethical practices when enrolling in or making changes to auto-pay. The company has resolved my problem but I am concerned that they are taking unfair advantage of other customers and I think they need to amend their practice. What happens in that you enroll in auto pay and you get a letter confirming that you are enrolled but when the next due date rolls around, no deduction is made and Citi charges you a late fee and interest. When this initially happened they said " didn't the representative tell you? '' but the answer was no. They refunded the charges but it took a second call the next month. Then on XX/XX/XXXX I called to change banks. Warily I asked the representative if the charges due on XX/XX/XXXX would be withdrawn or skipped and she assured me that I had placed the request in plenty of time. She also agreed to push back the payment date to the XXXX  of the month. I called a second time on XX/XX/XXXX and the representative told me that the listed bank was the new one. So on XX/XX/XXXX with no deduction from my bank account I called and discovered that the withdrawals and date change wouldn't start until XX/XX/XXXX. The rep was very nice and apologized and reversed the late charge and interest, but I was furious with Citi that I had been duped twice. I see no reason that the autopay can not take effect within 15 days and if it can't be, then every representative must be obligated to state that fact very clearly and a letter should be sent to that effect.
Product: Credit card or prepaid card

On XXXX XX/XX/XXXX I received a letter from Synchrony Bank dated XXXX XX/XX/XXXX in the letter they stated their reason ( s ) for our decision " Activity on account ( s ) with Synchrony Bank indicative of high of failure to pay. '' My concern is this account was always paid on due date! For Synchrony originally to make the assumption based on my credit score or information on my credit reports decisions made to close my account can be premature? Especially when I have submitted disputes to include utilizing the Consumer Financial Protection Bureau. Taking these measures has removed negative information from my reports and is still ongoing. Additionally, my concern is that Synchrony XXXX XXXX since XXXX! has been reviewing my wife 's medical hardship debt management program settlement with her individual accounts that are exclusively her accounts but were settled by her attorney 's just recently. May be a coincidence? I have been a good customer on all of my accounts and feel to close my accounts based on credit reports that have numerous inaccuracies to include disputes should not be the only criteria to close accounts for example I have 40 years of XXXX XXXX an excellent employment history and 40 years of great credit history. There has been Life Events with my wife 's medical XXXX that has created some credit issues but are constantly under review and challenged through the credit bureaus dispute process which becomes a lengthy process to delete negative information from the reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX : {$920.00}
Product: Debt collection

I sent a debt validation letter to this company on XXXX/XXXX/2015 and they ignored my request of validation.
Product: Vehicle loan or lease

Bad vehicle car died XXXX months into owning the car. Was over charged for loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX  XXXX {$36.00} XXXX XXXX XXXX  XXXX {$35.00} XXXX {$110.00} XXXX XXXX {$330.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my Experian credit report, as it has come to my attention that Experian has failed to address these concerns after my initial contact. I expect Experian to adhere to federal laws and regulations, specifically the Fair Credit Reporting Act ( FCRA ), and promptly verify the accuracy of the disputed accounts. I kindly request that Experian provide me with a written response detailing the actions taken to resolve this matter. 
On XX/XX/XXXX, I contacted Experian to report the following inaccuracies on my credit report : Account : XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$28000.00} ) The information reported states that this account was late, which is incorrect. I have never missed a payment on this account. Please correct/update this inaccurate information on my credit report. 


Account : XXXX XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$7900.00} ) Similar to the previous account, the information states that this account was late, which is not accurate. I have always maintained timely payments on this account. Please correct/update this inaccurate information on my credit report. 


Account : XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} ) The information for this account is also inaccurate. I acknowledge the original creditor as XXXX XXXXXXXX  XXXX, but I do not recognize the company listed as XXXX, as I do not have any contractual agreement with them. Additionally, the reported balance of {$1700.00} is not accurate ; I recall the balance being lower. Due to these inaccuracies, I dispute the entire account and request verification of the following dates : Date Opened and Date of First Delinquency. 


Account : XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$2200.00} ) This account displays inaccurate information. I am familiar with the original creditor, XXXX XXXXXXXX XXXX XXXXXXXX, but I do not have any agreement with the collection agency that Experian has reported. The balance of {$2200.00} reported by Experian is incorrect, as I believe it should be a lower amount. Furthermore, the reported balance exceeds the High Balance on the same account, which indicates an error in your reporting. Due to these discrepancies, I dispute the entire account and request verification of the following dates : Date Opened and Date of First Delinquency.