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

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX, XXXX. I submitted my written request for a payment histroy from XXXX. I never received this document. I received several invoices that did not include any record of payment. 

This is complaint is filed as an addendum to complaint XXXX filed XXXX. 
I have attached Upgrade 's letter discussing their own policy regarding their credit bureau reporting during their hardship payment plan. 
I have also attached a copy of the company 's credit bureau reporting following that policy ( XXXX ). This document shows that someone in Upgrade 's credit bureau reporting department has intentionally retroactivley changed a positive reporting to a negative XX/XX/60 late reporting history which inaacurate This is malicious reporting to the credit bureaus by Upgrade done so AFTER I filed my first complaint againt this company. 
My request is that Upgrade be mandated to send my payment history and to remove any negative reporting by them from my credit bureau report
Product: Credit reporting, credit repair services, 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 : # XXXXXXXX XXXX XXXX XXXX XXXX card 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 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: Credit reporting, credit repair services, or other personal consumer reports

Reporting of liens that are not accurate and should be removed based on the most recent settlement involving the three credit bureaus and the New York State Attorney under the National Consumer Protection Act. Based on the new NCPA these items were to be removed by XX/XX/2017. Transunion continues to report two tax liens on my credit file.
Product: Checking or savings account

On XX/XX/XXXX, I opened a checking account with XXXX and on XX/XX/XXXX, I placed an order for a checkbook associated with my checking account and received it from XXXX. Also, XXXX has charged me {$22.00} for this service. All good till now. 

Subsequently, on XX/XX/XXXX, I issued a check ( for amount less than available balance ) from my checking account ending in XXXX. The check was initially paid on XX/XX/XXXX ( attach : bank transaction and check copy ). However, the payment was later reversed on XX/XX/XXXX. 

The reason provided by XXXX for the reversal was that they do not possess my identifiable information necessary to clear the check. I was directed to provide copies of my Driver 's License, Address Proofs, Signature, and other documents. 

My concern arises from the fact that XXXX, as a bank operating in the United States, has facilitated the transfer of substantial amounts ( > {$25000.00} ) of money ( USD ) to a foreign country without requesting the aforementioned details. However, for the clearance of a domestic check, XXXX has deemed these identification documents necessary. 

This oversight by XXXX has had a detrimental impact on my life, causing significant pain, stress, physical and mental anguish, and monetary loss. Unfortunately, this mistake has disrupted my plans to purchase a car, which involved considerable personal effort and financial arrangements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Experian credit report is displaying a closed collection account that I dont recognize. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately :
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from XXXX XXXXXXXX XXXX. Within a few dates of having the car it was brought in for service related issues on multiple occasions. On XX/XX/XXXX I canceled my gap insurance and extended warranty and returned the car back to XXXX XXXX. I contacted the lender T.D. Auto Finance to inform them that I was no longer in possession of the car and this account needs to be closed. T.D. Auto Finance is continuing to report this on my credit report, when I am know longer in possession of this car. I have filed a dispute with all three credit reporting agencies, indicating the inaccuracy of this open account. 
T.D. Auto Finance has refused to contact XXXX XXXX as to where the car is located and the current status.
Product: Mortgage

Financial Institution : PNC Mortgage, a Division of PNC Bank, NA My spouse and I refinanced our residence on XXXX/XXXX/XXXX with a mortgage from XXXX XXXX XXXX ( XXXX XXXX XXXX ). The loan note ( Attachment XXXX ) specified that payments would be made every 14 days. The loan note also specified that the manner of payment would be automatic deduction from an account maintained with XXXX XXXX XXXX ( in this case our checking account ). 

The note was for 15 years, maturing on XXXX/XXXX/XXXX, but making biweekly payments would cause the loan to be paid off on XXXX/XXXX/XXXX. In XXXX XXXX XXXX XXXX was acquired by PNC Bank. 

Several months ago we realized the payoff date was approaching, but when we checked our mortgage statement, it became obvious that the outstanding principal would not be paid off by XXXX/XXXX/XXXX. We first contacted our local PNC Bank, then later corresponded directly with PNC Mortgage ( PNCM ) customer service. PNCM is a division of PNC Bank. Neither had an explanation for the discrepancy, but PNCM did provide an amortization ( part of Attachment XXXX ) that ran from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. The final payment would be on XXXX/XXXX/XXXX. The payoff date computed by PNCM is after the expiration of the 15-year loan period. 

From the time of the acquisition until XXXX/XXXX/XXXX XXXX XXXX , XXXX serviced the loan for PNC Bank. PNCM handled the loan after that. 

In its letter of XXXX/XXXX/XXXX ( Attachment XXXX ) PNCM stated they did not have loan history prior to XXXX ; they asked us to forward any information we might have. We searched back through old XXXX XXXX XXXX checking account statements and found that after the first payment was properly taken on XXXX/XXXX/XXXX, subsequent automatic deductions were taken at a variety of different intervals. The vast majority of payments were taken at intervals greater than 14 days, the longest being 29 days. This explained why the outstanding balance was so high : principal was being paid off much slower and interest was accruing faster than would be the case if XXXX XXXX XXXX had made payment deductions as required by the loan note. We forwarded this information to PNC ( Attachment XXXX ). 

XXXX XXXX XXXX monthly checking account statements covered from the middle of one month to the middle of the next. We noted the mortgage payments as statements were received, but it did not occur to us to calculate the number of days since the previous payment. A reasonable person would assume a financial institution that makes loans could and would compute automatic payments properly. 

On XXXX/XXXX/XXXX PNCM replied that they were not able to help in this matter ( Attachment XXXX ). They suggested we contact XXXX XXXX XXXX for assistance. As mentioned above, PNC Bank had acquired XXXX XXXX XXXX in XXXX. There is no XXXX to contact. PNCM seems to feel that it has no responsibility for the legacy bank 's failure to carry out its requirements under the loan agreement. 

Attachments : 1 : XXXX/XXXX/XXXX Loan Note 2 : XXXX/XXXX/XXXX Letter from PNCM ( includes amortization ) 3 : XXXX/XXXX/XXXX Letter to PNCM 4 : XXXX/XXXX/XXXX Letter from PNCM
Product: Credit reporting or other personal consumer reports

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? 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX {$210.00} XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent FOUR LETTERS previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so.Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 
I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts XXXX XXXX - XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602.A States i have the rights 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. 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 antendates 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: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed two several credit inquiries that I find to be problematic. 
1.XXXX XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX 3.XXXX XXXX XXXX  4.XXXX  XXXX 5.XXXX XXXX   XXXX 6.XXXX  XXXX XXXX XXXX 7.XXXX XXXX XXXX 8.XXXX  XXXX 9.XXXX XXXX XXXX XXXX 10. XXXX XXXX 11.XXXX XXXX XXXX 12.XXXX   13.XXXX XXXX XXXX 14.XXXX I contacted these Companies and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.
Product: Bank account or service

In XXXX of last year, I opened a Citigold checking account that had a promotion offer. The promotion code is XXXX which outlines conditions to meet to get XXXX Aadvantage points. I met those requirements in XXXX 2016 and confirmed with Citi through Secure Message that I met the requirements. The secure message stated that my miles would be credited no later than XXXX/XXXX/16. That passed and I called up Citi to find out the status of my points. They started an internal investigation and came back saying that I qualified and would need to call into provide my Aadvantage account number ( this letter was dated XXXX/XXXX/16 ). I subsequently called in to provide my account number. They informed me that it would take 48 - 72 hours to process the transfer. For the last six weeks, I would secure message or call in to Citi 's customer service line to ask for a status update on my points. Each time, I was met with confusion as they did not know what happened and they would send an inquiry to their " back office '' with high importance. After six weeks, I am fed up with Citi 's unprofessional treatment and therefore am filing a complaint with the CFPB.
Product: Mortgage

Complaint # 1 - Failure of Select Portfolio Services , Inc. ( SPS ) to comply with NY Real Prop Actions L 1304 ( 2016 ) with regards to required proper notice as it specifically relates to a Subprime Home Loan. " Notwithstanding any other provision of law, with regard to a high-cost home loan, as such term is defined in section six-l of the banking law, a subprime home loan or a non-traditional home loan, at least ninety days before a lender or a mortgage loan servicer commences legal action against the borrower, including mortgage foreclosure, the lender or mortgage loan servicer shall give notice to the borrower ( s ) at the property address and any other address of record in at least fourteen-point type which shall include the following ... .. '' The 30 year interest rate for a mortgage in XX/XX/XXXX ; the year the loan was originated was 6.32 %. The interest rate charged at the time of origination exceeded 9 %. Complaint # 2 - Failure of Select Portfolio Services , Inc. ( SPS ) to fully respond to legitimate requests for information - XXXX XXXX XXXX. Specifically, SPS did not respond to the inquiries to the following : 1-Whether there is a pending or planned foreclosure proceeding ; 2-Sufficient proof of debt as requested on XX/XX/XXXX ; 3-If the account is registered with XXXX, state its MIN number ; 4-Copies of ALL endorsements, recording, allonges or other indicia of all transfers since note was signed. Specifically, with regards to XXXX XXXX XXXX, per notification on XX/XX/XXXX and XXXX XXXX XXXX XX/XX/XXXX by XXXX XXXX XXXX XXXX, XXXX, per notification on XX/XX/XXXX. 5-The date your firm began servicing the loan and any previous servicer ( s ) of this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX XXXX XXXX ) i disputed this account requesting THE VALIDATION to this account and all document that credit report have to send me to validated this account. i never received any document from the credit report. they just VERIFIED without sending any VALIDATION letter to prove me this account is mine. 

i'm requesting to remove unverified account from my credit report immediately under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Rocket Mortgage XXXX XXXX XXXX XXXX XXXX XXXX  PROOF OF LATE PAYMENTS Dear Rocket Mortgage, I am writing to address the reporting of late payments on my account XXXX with your company. According to your records, there have been late payments on my account, but I am requesting proof of mailed statements for the dates you are reporting as late. 

As stated in 15 USC 1666 B Timing of Payments, a creditor must be able to prove that a late payment exists. The law states that 21 days before the payment due date, the creditor must send out a notice containing information from section 15 USC 1637 B Statement Required with Each Billing Cycle. This notice must be mailed or delivered within 21 days of the payment due date. It is imperative that you provide evidence that a statement was sent within the required timeframe in order to treat a payment as late.

Failure to comply with the procedures outlined in the FCRA ( Fair Credit Reporting Act ) has resulted in several violations of my consumer rights. I am in the process of concluding my paper trail before taking legal action. I urge you to update the credit reporting to reflect that the debt is PAID/NEVER LATE. 
I would appreciate your prompt response to this matter and ask that you cease reporting this debt as late until you can provide the requested documentation. Thank you for your attention to this issue. 

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

Dear XXXX XXXX XXXX, and Equifax, I have asked for a validation of this debt numerous of times. You have not, or refused to provide it to me yet. This account does not meet the requirement of the FCRA to be reported on my consumer report. I need for this account to be deleted immediately.
Product: Checking or savings account

Item purchased : XXXX XXXX XXXX XXXX Camera + 18-135mm USM + 70-300 USM + 50mm 1.8 II- SAVE BIG Date : XX/XX/2017 On the above date, I placed a {$1600.00} purchase for the items above and upon its arrival, I realized that the order was missing the camera but however beared most to all of the accessories. Thus, I contacted XXXX immediately with hope that they would have been able to resolve the issue at hand and was asked to file a police a report. I filed the police report and received confirmation that they had received the report. After weeks of waiting for a resolution, I decided to dispute the charge with Chase. I was issued a temporary credit and was educated that they would investigate and make a final decision on the temporary credit at a later date. XXXX,2017, the temporary credit was reversed because per chase the merchant provided proof of delivery and that I did not provide the requested police report to the merchant when asked. Two things have confuses me throughout the entire so called chase investigation of the chargeback ; I was never asked to provide any proof that I did file and send the police report, and the fact that they made their decision solely after the seller provided to them proof of delivery when the original claim was not about the item being delivered or not because the item was indeed delivered but instead of all the ordered being in the box only partial of the order was fulfilled.
Product: Credit reporting or other personal consumer reports

I've noticed unauthorized inquiries on my credit report by various companies, which has caused me significant stress. I'm concerned about the potential misuse of my personal information and the impact on my financial standing.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


OPEN : Account Name : XXXX XXXX XXXXXXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.