23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I've consistently made timely payments on this account, ensuring they are never overdue. I'm uncertain why there are reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Product: Debt collection

This company violated the following Try to collect charges in addition to the debt Communicate with you about a debt by postcard This federal law also prohibits debt collectors from using false, deceptive, or misleading practices. 

This company violated the following : Misrepresentations about the debt, including the amount owed Falsely claiming that the person contacting you is an attorney Threats to have you arrested Threats to do things that can not legally be done, or threats to do things that the debt collector has no intention of doing. 
A debt collector is also not allowed to harass you. In addition, there are state and other federal laws that generally prohibit practices that might be considered unfair, deceptive, or abusive acts or practices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Subject : Violation of Consumer Rights Under FCRA and Request for Immediate Correction Dear TransUnion Holding Company , Inc I am writing to address a concerning issue regarding my student loan account. As a consumer, I am entitled to certain rights under the Fair Credit Reporting Act ( FCRA ), and I believe these rights have been violated in relation to my account. The following laws directly apply to the situation : 15 U.S.C. 1681, Section 602 A : This section grants me the right to privacy, ensuring that my personal information is handled responsibly and with my consent.

15 U.S.C. 1681, Section 604 A, Section 2 : A consumer reporting agency is prohibited from furnishing any account information without my written instructions. To date, I have not provided consent for the release of my account information to any consumer reporting agency.

15 U.S.C. 1681c ( a ) ( 5 ) : No consumer reporting agency may include any adverse information on my credit report that predates the report by more than seven years. If such information has been included, it would be in violation of this provision.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : It is unlawful for any person to furnish information to a consumer reporting agency if they know, or should know, that the information is inaccurate. I believe that the information provided to the credit reporting agencies related to my account may be inaccurate, and I request that it be reviewed and corrected.

Due to the potential violation of these rights, I am requesting that the following actions be taken : Immediate review and removal of any inaccurate information on my account that has been reported to any consumer reporting agency. 
A formal investigation into the unauthorized release of my account information without my written consent. 
Confirmation that my rights under the FCRA, as outlined above, have been fully adhered to, and that any further violations will be rectified. 
Please provide a response within 30 days of receiving this letter, as required under the FCRA. Should this issue not be resolved, I will consider pursuing further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and taking legal steps to protect my rights. 

Thank you for your immediate attention to this matter. I look forward to your prompt resolution of these concerns. 

I would like to get the following removed STUDENT LOANS DEPTEDXXXX  Reported : XXXX XXXX, XXXX + {$2100.00} Needs Attention DEPTEDXXXX  Reported : XXXX XXXX, XXXX + {$1600.00} Needs Attention DEPTEDXXXX  Reported : XXXX XXXX, XXXX + {$1000.00} Needs Attention DEPTEDXXXX  Reported : XXXX XXXX, XXXX + {$1800.00} Needs Attention DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$1800.00} Needs Attention DEPTEDXXXX  Reported : XXXX XXXX, XXXX + {$1100.00} Needs Attention DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$3700.00} Needs Attention DEPTEDXXXX Reported : XXXX XXXX, XXXX + {$2100.00} Needs Attention Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I purchased a home with XXXX  XXXX  service and I made my payments and they report as late. 

Payment was made on time. 
They destroy my credibility and credit worth. I need help please.
Product: Checking or savings account

My wife and I share a checking account. We both requested new debit cards in XX/XX/2022, as the previous ones had expired. Upon receiving them, we never used them. On XX/XX/2022, we were charged by : Merchant name : XXXX Merchant information : XXXX XXXX Amount : - {$19.00} Type : Debit Card We immediately locked both debit cards and contacted Bank of America letting them know this was a fraudulent transaction. They credited us back the amount charged and said they would investigate. Another fradulent transaction was attempted against the other debit card, but was blocked due to it being locked. We requested that they block all transactions from this merchant. They cancelled our debit cards, we destroyed them, and they sent us new debit cards, which we never used. 

On XX/XX/2022, we were charged by the same merchant : Merchant name : XXXX  Merchant information : XXXX XXXX Amount : - {$25.00} Type : Debit Card We again locked both debit cards and contacted Bank of America to let them know it was another fradulent charge. They said they will credit our account, block the merchant, and send us new debit cards. We asked to speak with the Bank of America security department, as it doesn't make sense how our cards, which were never used and are carried separately, were each fraudulently used on XXXX different days. We were told Bank of America does not have a security department. We're concerned that Bank of America, or whoever they use to supply their debit cards, has been hacked, as there is no other explanation how these transactions could have gone through, as no one should know our debit card numbers.
Product: Debt collection

I have attempted several times to get this debt validated by this company and they still have not done it. My first attempt was XX/XX/2021 by certified letter. My second attempt was 30 days later. Per FCRA rules, if the debt isn't validated within 30 days, the company is supposed to delete the debt from my credit profile with all credit bureaus. The FCRA rules are NOT being followed, which is why I have filed complaints with the CFPB, FTC, and XXXX and at this point I am also well within my rights to contact an attorney. The company stated in my last complaint that they sent the info that I requested for validation ( full name, original contract, original signature, full date of birth, full social security number ) but I have NOT received that info. I do believe that was a tactic by the company in order to close out the complaint.
Product: Mortgage

When my mortgage company did my escrow analysis on XX/XX/20 my escrow payment increased to XXXX $ monthly substantially increasing my mortgage payment. My husband and I had anticipated some increase due the fact that the previous owner had numerous homestead exemptions on the house and since we had moved into the house in XXXX we did not qualify for any home stead exemption, so we knew going in, that there would be a discrepancy due to the tax bill. XXXX $ was deposited at closing and XXXX was going monthly into the escrow account, by XXXX {$2900.00} should have been deposited into the account. Our home owners insurance was paid in the amount of XXXX ( XXXX ) monthly pmi was paid at a rate of XXXX ( 9 months ) and our tax bill was paid in the amount of XXXX ( XXXX ), total amount out XXXX, which results in a discrepancy of around XXXX. When I called to discuss the escrow account with my mortgage company I was told that to catch up from last years shortage I would have to pay out XXXX. They calculated this number claiming to have paid out XXXX on my behalf and that on the date since i did not have a balance of XXXX in the account I now owe that too. I was unaware there was a penalty for not keeping a minimum balance in the account and according to what was actually paid from the account last year as shown by my escrow statement they did not pay out XXXX last year on my behalf. My husband and I will gladly pay out what we owe for last years shortage, but we will not pay out a grossly inflated inaccurate amount that includes a fee that was never disclosed to us. Also, pmi payment was projected to increase from XXXX to XXXX monthly over this year. I asked for an explanation as to why, and the agent told me that she couldn't explain pmi to me and tried to reach out to the pmi department unsuccessfully. According to my amortization schedule, the pmi should be decreasing with my payments not increasing since the amount of my loan has not changed.
Product: Credit reporting or other personal consumer reports

Perfect credit for all my life. On XXXX XXXX 2024 XXXX hours XXXX XXXX ATM stole my debit card. IU immediately reported it to XXXX ( supervisor ) No explanation given and waited 7 days to receive a replacement. This is the only anomaly that seems directly related to a notification from XXXX XXXX and XXXX that my credit score dropped XXXX points. The score drop notification from XXXX XXXX was on XXXX XXXX XXXX to XXXX, AZ branch manager to get an explanation why my score dropped and what negative conduct is affecting me? I explained that I need to know exactly what caused such an exponential drop in my score when I have never been late on payments, nor over drafting. Ordered XXXX credit reports from XXXX - Experian - XXXX XXXX negative indicated. XXXX and XXXX scores were close to my average but Experian was XXXX! 
XXXX and XXXX are XXXX. Contacted FICO and they couldn't understand what is negatively affecting my score, advised me to file a dispute which I did to Experian with nothing negative on my report. They refuse to advise me what is negatively affecting my score or my most recent transactions. ( behavior ) I need to know what act was committed so I don't jeopardize my credit score in the future. XXXX XXXX didn't even conduct an investigation and open and closed it same day with zero explanations. 
XXXX coincidentally conducted the investigation. Please advise me of what is negatively affecting my credit score.
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.

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

We were set to close on a condo on XX/XX/XXXX. I unknowingly transferred our closing funds to a 3rd party account due to an elaborate email scam. I thought I was wiring the funds to our closing attorney. My money was wired from my Bank of America checking account. The receiving bank is XXXX Bank. The woman who's account my money is sitting was also the victim of a scam, seemingly an online dating scam. I know my money is frozen at XXXX Bank, but neither bank will cooperate in returning my money. XXXX is holding my money hostage and Bank of America continues to lie to me every time I call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent a letter to the company multiple times regarding the dept. The last response I got from them they sent me back a copy of the XXXXl treatment I got that day. I read that it was illegal and that they are in violation for sending information about the treatment I got. WHEN I sent them a letter saying that they were in violation. They never responded.
Product: Mortgage

I 'm making a complaint about the company PennyMac. I did one modification and when l sold my property, I found out that they put out a second loan to XXXX XXXX XXXX without my authorization.
Product: Checking or savings account

My business debit card attached to our business checking account, was illegally used, hacked!!! On the morning of XX/XX/XXXX I woke for work approx XXXX to find 2 emails from Wells Fargo. The first was an email at XX/XX/XXXX at XXXX ( the night before ) *Wells Fargo Fraud Detection XXXX unusual activity, the transaction was declined. The 2nd email at XXXX subject line Your Business Account has reached XXXX dollars. I immediately looked at my account and saw that someone had hacked my debit card and wiped out our business account. I immediately called to report the fraud and ask why they didnt decline all of the back to back charges, not just one. The lady filed the claim inquiry, canceled the debit card, issued a new one and said they would clear it up. All funds were reimbursed except for the largest at {$3200.00} to XXXX XXXX I received an email on XX/XX/XXXX that my order shipped from XXXX. I immediately responded that I had reported fraud on that card and to cancel that order ( emails attached ) XXXX responded, acknowledged the email statingwe are doing an investigation, our bank is going to start working on this ASAP. You are going to receive a resolution as well through your bank, usually around 7-10 business days. meanwhile, we received provisional credit to continue to run our business and make payroll. After searching my emails, I found several other emails in my all mail, spam folder from XXXX. One from XX/XX/XXXX at XXXX stating XXXX XXXX did you forget something? left something in your shopping cart to another at XXXXXXXX XXXX  Order Confirmation # XXXX As I had already reported this fraud to Wells Fargo and XXXX XXXX I fully expected that it would be handled. Have never received any product, never heard back from Wells Fargo or XXXX until yesterday XX/XX/XXXX when I received a letter in the mail from Wells Fargo ( attached ) stating we found the charges were made by you or someone who had your permission. The {$3200.00} temporarily credited to your account ending in XXXX will be reversed 10 business days from the date of this letter on XX/XX/XXXX. Please consider your claim closed. We are beyond stressed by this whole mess and are trying to run a small XXXX  business that WOULD NOT and DID NOT purchase these XXXX  items and NEVER RECEIVED anything from this company. It must be resolved!!!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payments but in fact was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payment I've attached a copy of the report to this complaint on the following dates XX/XX/2023. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to be paid on time immediately. Thank you for understanding and prompt action
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX I sent XXXX XXXX, and Transunion 2 letters asking them to update my personal information and they still haven't updated my address and name nor replied back to me. I no longer live at any of the addresses or I have never lived at them so I am unable to receive my mail. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I demand a deletion of all personal identifiable information from my consumer report with the exception of : my name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX. This is my only name and my only address. I have uploaded my Identity theft Report to this complaint today as well.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted supporting documentation to have items from when I was XXXX off my credit report with experian. Experian refuses to remove the items although I submitted all documentation that was requested per their site in regards to the act XXXX XXXX passed.
Product: Student loan

When applying for my mortgage I was advised that my Navient student loan was showing delinquent for earlier this year. I was confused as this account has been in deferment. I quickly contacted Navient and they advised me that it was indeed an error and would be correcting the deferment ASAP. They will not provide me a letter stating the correction was made other than the account is now back on deferment. They stated that the credit history would be corrected on the next reporting. The problem is, Navient only reports once every quarter which is too long because my home will be ready in less than 30 days. They advised me to place a dispute with the bureaus, which is ridiculous as the error lies with them not the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/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 and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX , XXXX XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Mortgage

I'm a new homeowner since XX/XX/XXXX and have been making on time payments every month-for 14 months, I was finally feeling financially confident to raise the minimum monthly payment so went online to do that- turns out I assigned a second one-time payment for the XX/XX/XXXX mortgage ON TOP of the automatic payment I thought was adjusted. So within the same week I had a deduction of {$600.00} on XX/XX/XXXX and another deduction of {$560.00} on XX/XX/XXXX. On XX/XX/XXXX I realized the second payment was coming out of my account- so I called AmeriHome mortgage and even talked to a supervisor about this mistake. They tell me because I made the error I won't be getting a refund and it's too late to stop the payment ( you can only stop it 3 days prior to the deduction date ) I'm furious that a simple mistake on their complicated website created this issue and now I'm unable to pay my other bills- which will decrease my credit score and basically make me regret this extra error way more than is necessary. I'm looking for another company to refianance because no way will I allow Amerihome to do this to me again! they've lost a 30 year contract because of their inability to see commonsense
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX  Account Number : XXXX Date of Charge-Off listed as : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has sold this account with my name attached, to XXXX debt collectors in the last XXXX years. These debt collectors have each reported this debt to the credit reporting agencies and I have had them research and delete the account from my report. But in the mean time it is hindering my ability to purchase anything on credit, as it hit my credit score for a negative XXXX points. 
I have paid off this card and closed this account on XX/XX/2020. Attached is the payment history and last payment of the balance as of XX/XX/2020. The payment history shows no late payments. The amount paid is the amount that was agreed upon in the contract, at signing.