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

I mailed a letter to XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, Barclays Bank, XXXX XXXX, who are reporting my balance, payment history, etc on my credit report and advised them that according to 15 USC 1681b section 2 ( A ) ( i ), that the term consumer report does not include report containing information solely on transactions, and that it was illegal to report transaction history. 

Neither of the companies replied to my letter, and neither one of them complied. 

I have attached the letter that I mailed each company on XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are reporting incorrectly a charge-of of {$10000.00} on the XXXX XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I had GAP insurance at the time of the auto accident and all expenses surrounding the accident, including the payment for the vehicle, was covered by insurance. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of the XXXX XXXX XXXX XXXX XXXXXXXX ) on my credit report. After a thorough review, I have identified several discrepancies that violate Metro 2 compliance guidelines and my rights under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ]. These inaccuracies must be addressed immediately to ensure full compliance and accuracy in my credit report.

Violations Identified : 1. Late Payment Reporting : o The account reflects 90-day late payments in XX/XX/XXXX across all three bureaus. However, the " Date Closed '' is listed as XXXX, making the late payment reporting contradictory and invalid. 
2. Inconsistent High Balance Reporting : o Metro 2 guidelines require uniform reporting of the high balance across all bureaus. The high balance is reported as {$3000.00} by XXXX and XXXX but differs in supporting information. These discrepancies fail Metro 2 accuracy standards.

3. Past Due Amount Mismatch : o The " Past Due '' amount fields reflect inconsistent amounts across the bureaus, with TransUnion showing {$570.00}, which contradicts XXXX and XXXX. This inconsistency violates FCRA 1681e ( b ), which mandates maximum possible accuracy.

4. Date of Last Payment/Activity Errors : o The " Date of Last Payment '' is inconsistent, with TransUnion showing XX/XX/XXXX, while other bureaus list different dates. Similarly, the " Last Activity Date '' is misaligned. These discrepancies interfere with accurate credit reporting and fail Metro 2 guidelines. 
5. Account Status Inconsistency : o The account is listed as " Closed '' across all three bureaus, but the comments field shows conflicting reasons for closure, including inactivity and cancellation by the grantor. Metro 2 requires clear and consistent reporting of account closure reasons.

6. Payment History Inaccuracies : o The payment history field for XX/XX/XXXX shows inconsistencies, with XXXX bureau marking payments as on time and another showing delinquencies. Accurate and consistent payment history is a critical component of compliance.
Product: Credit card or prepaid card

I received a letter in the mail that is clearly fraudulent. It looks like a scheme where it says I disputed something on my credit card as well as included what I ordered and they ask me to call and fax them more information to steal my identity and credit card information. The information provided in the letter is false and clearly a scam. I have included the letter, envelope and products that are said to be purchased by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act US BKPT CT CA XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

US Bank failed to pay the appropriate amount of Washington DC property tax from our escrow causing us to incur late penalties and interest. We feel that US Bank is responsible for these extra charges. 

XX/XX/XXXX - first informed US Bank by phone about the incorrect property tax payment, and balance due. We explained in detail how to find the current tax bill and advised them about timely payment to avoid further charges. They still failed to make complete payment of the taxes before incurring more late fees in XXXX. We were promised a response in 10 business days. This response was 5 business days late. 

XX/XX/XXXX - second call made to US Bank to get them to complete the payment of XXXX taxes. They did not even attempt to make a payment until XX/XX/XXXX. At this point, even more fees had accrued. We were promised a response in 10 business days, and received none. 

XX/XX/XXXX - we paid the remaining taxes ourselves, to avoid further penalties and interest. 

XX/XX/XXXX - an email with details of underpayment of taxes and penalties incurred sent to US Bank representative, XXXX XXXX. No response to multiple emails. 

XX/XX/XXXX - phone call to US Bank Tax dept rep XXXX XXXX XXXX Texas Tax Center. She informed us that US Bank makes no attempt to acquire reissued tax bills, updated bills, or even attempt to pay those bills on time. US Bank looks at the tax bill up several months ahead of time and makes no attempt to ensure they are paying the correct amount on the actual tax due date. We were again promised a follow-up from US Bank after this call with XXXX XXXX, and have yet to hear from them, as of XX/XX/XXXX. 

We would like US Bank to cover the late payment penalties and interest we accrued due to their inability to pay the correct tax amount from our escrow account. The total amount owed from US Bank back to our escrow account is {$640.00}. A calculation of this amount is in the attachment.
Product: Mortgage

In XX/XX/2020, we contacted PNC Bank to inquire about the Covid19 Relief Program. We specifically asked about the deferred payments and how they would be collected. We were assured that the deferred payments would be added to the back end of our mortgage and we could resume payments up to a year after entering the program. After about 8 months we started to received paperwork about entering into some sort refinancing program that was never discussed or disclosed when we contacted PNC to enter into the Covid19 Relief Program. When we called to inquire about this paperwork, we were informed that we needed to pay back the deferred payments, {$11000.00} plus, not at the end of the mortgage as previously discussed and assured by PNC or enter into this refinancing program. We spoke to the PNC employee, XXXX, assigned to our case and informed her of what was discussed and agreed upon. She kept referring us back to the refinancing program that we informed her was never discussed with us at the start. XXXX admitted that there were no guidelines to this program and she herself was unsure about the details of how the program works.
Product: Credit card

I received a hard inquiry on my credit report on XX/XX/ 2024, for Kohl's/CapOne. I have never applied for a credit card from them. I contacted KKohl 's and Capital One. Both parties said they don't have any application or account open under my social security. Today, XX/XX/ 2024, I received Kohl 's credit card. I talked to customer service, and she said she would report it, but no further action was needed. I can not believe how they got my information since I never applied for a credit card. There is a security breach or illegal data sharing without my consent.
Product: Debt collection

XXXX  placed Credence Resource Management collection account on my credit report without first giving me the opportunity to challenge this debt. XXXX could not provide documents that insured that this account is accurate. There is no purchase agreement, signature or consent from myself to allowing Credence Resource Management to contact me. Having this account on my credit report without validating it, is illegal and that is a fair credit reporting act violation. Please help me get this off my credit report.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX around XXXX, I received a call from a chime number and a man that identified himself as a chime employee, he knew all my information, I didnt question it, the number read chime financial, so I thought oh boy something is happening with my money, I had received my income tax return. Anyway he said someone was trying to make a purchase with XXXX XXXX for XXXX $ and ask if I would approve or confirm the payment or deny it so I said I did not approve it, he told me he got that one canceled, but he said this person is trying to transfer money from my checking account through the pay anyone app, because my card was locked Im guessing, in the amount of XXXX XXXX which coincidentally was the total amount in my saving, checking, and chime builder accounts, so I told him again that I didnt not approve it and that I did not want money taken out of my account, so he said he got it canceled and said that now she was doing it again for XXXX, and it was going through, and that in order to stop the transaction I had to do and type what he told me to do, he told me to type my name refund for new account and the amount, so I did and then I told him that it said it was going to this person, he said he knew but thats what we have to do to cancel it, so not questioning I did it. Now my money is gone, this person doesnt exist, and I dont know what to do, I have filed complaints, Ive sent them pictures of the number that the call came from, I have sent my statement, made a police report, I have the womens name, they dont have record of them calling me. Am I just out XXXX? Is there anything I can do, denial after denial after denial, and rude one person asked me and told me that I never should of filed a dispute because I the initiated the transfer and then another one asked me what I really did with the money, unbelievable, I realize now it was a fraud, I really need my money back and I dont know what to do next, can someone help me?
Product: Checking or savings account

On XX/XX/2021 I made an online purchase for {$2400.00}. This transaction was for merchandise that was supposed to be delivered to me with a signature confirmation and I have not received any merchandise from the merchant. Not even a tracking number. I've attempted to contact the merchant and the merchant will not respond by phone nor email. They've not given me any information regarding the status of the order, will not return my calls or emails and intend to run off with my money. I filed an initial dispute with Citi Bank and received a denial letter dated XX/XX/2021 stating that Citi did not receive the necessary information from me concerning this dispute. Ive called Citi Bank and confirmed that my letter regarding this dispute was received on XX/XX/2021 and it satisfied every condition that was required of me, yet I was still denied for reasons unknown. The customer service agents that I spoke to couldn't tell me why I was denied and agreed that I did in fact complete every requirement asked of me. Ive attempted to file an appeal but I was told that it's not possible to speak to their investigations team. You can only speak to the dispute department that'll recommend you send a fax or email that'll be received by the investigations team and then that letter will be posted to your account in seven business days. I cant seem to receive a proper response or help from Citi. No updates on the dispute in the app, no phone calls. Just a letter of denial after satisfying all of their requirements. My dispute was ignored and never investigated by Citi. I've never had difficulty with any other bank handling a dispute or unauthorized transaction before.
Product: Mortgage

We applied for a home refinance on XX/XX/2020 with Cardinal Financial. We submitted all paperwork and additional requests for information in a timely manner. We locked in a good rate and were expecting to complete the process and close the loan in XXXX. This should have been a straightforward refinance as we have high credit scores, good loan to value, and secure jobs/income/ratios. However, Cardinal delayed in starting the appraisal and did not follow up to ensure appraisal was scheduled/completed in a timely manner. Then, the Coronavirus scenario started. Even so, appraisers were still working but Cardinal did not pursue getting our appraisal completed. Finally, we identified that there were appraisers working and asked Cardinal to find another company. Eventually, the appraisal was scheduled and completed. At the same time, Cardinal stated they were completing all other items such as title so that we could still close on time. This was not true because after the appraisal was completed, they told us about a title lien item that they had know about for a while. Once we were alerted on the details of the item, we were able to address and clear immediately. Throughout the entire time, Cardinal continued to extend our application and rate lock at no cost to us because none of this was our fault. Finally, on XX/XX/XXXX, all conditions were complete and ready for final underwriting. On XX/XX/XXXX, Cardinal declined to continue the loan process due to a policy change. After months of them dragging this out, we are now being told they will not complete the loan. We have wasted a lot of time and this is costing us thousands of dollars. We are now put in the posistion to start all over again with another lender. We are extremely dissatisfied with their lack of service to process this loan in a timely manner. If they had, we would not be in this position. We want them to honor their loan offer and rate since all of the delays are due to their company.
Product: Credit card or prepaid card

RE : B of A cards XXXX XXXX XXXX XXXX & XXXX Both of these cards are being used for XXXX XXXX transfers. I paid fees on b oth to avoid interest charges. That worked on XXXX ; not so on XXXX. B of A has taken fees and continues to take interest. Calls to the bank result in being hung up on 3 or 4 times.This bank is stealing from me and brazenly, will not even discuss the situation. They just stonewall,
Product: Debt collection

XXXX XXXX just reported a {$120.00} collection account on my credit report. Prior to the appearance of this account on my file, I did not receive a notice of my right to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Stevens Business Services was sent a Validation of debt letter mailed on XX/XX/22 which was delivered on XX/XX/22. The company responded and sent a letter back to me on XX/XX/22. Unfortunately the information is unresponsive to my demand for a Validation of debt from Stevens Business Services, I demanded proof ( NOT A ITEMIZED BILL ) that I owed Stevens Business Services money and that they Validate that information. The documents that they sent back does not show that I owe Stevens Business Services any money, proper validation performed, nor is their name listed on any of the documents that were sent showing that I owe any money to Stevens Business Services Please see attached 1. Validation of debt letter sent to company 2. Document of Itemized bill sent, Not a Validation of Debt which was demanded
Product: Checking or savings account

On XX/XX/XXXX I received a check in the amount of ) XXXX. XXXX from Citibank. The letter that they attached to my last complaint said that I had money owed in accounts that were overdrawn. I filed bankruptcy on XX/XX/XXXX XXXX2020 from which I included all accounts and Citibank was notified. Citibank was also included in the bankruptcy meeting in which they failed to come. Now they want to claim I owe them money. I will attach my bankruptcy petition and discharge. My bankruptcy was discharged on XXXX/XXXX/2020. Citibank never said that I owed them any money. I have emails from them stating those accounts were at a XXXX balance. Please return my funds because this is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint is directed to the Credit Agency Equifax. <P/>I received a notice of collection from the collection agency XXXX for State of XXXX taxes in order to pay for unpaid taxes to the State of  XXXX for the tax period of XX/XX/XXXX. I was at the time, and still currently, serving in the Military in XXXX which would make me exempt for state taxes as I was a resident from XXXX. The date that is reported as a public record on my credit report is for XX/XX/XXXX. I provided the Comptroller of XXXX verification of my Military status and received a letter from the State of XXXX, Comptroller of XXXX a " RELEASE OF XXXX TAX LIEN '' with a " Notice of Lien of Judgement for Unpaid Tax dated XX/XX/XXXX in the amount of {$1700.00} as " SATISFIED. '' '' I provided this letter 3 separate occasions to the credit agency Equifax in order to properly dispute and remove this public record from my credit report and the results of this have been, according to Equifax, " verified that this public record item is reporting correctly. '' Additionally, I did not receive the procedure used to determine the accuracy and completeness of the information that would have validated and verified the accurateness of this public record item being reported.
Product: Credit reporting or other personal consumer reports

I have been contacting XXXX and Experian on multiple occasions all year about these inquiries, and negative accounts thats on my account that was included in my XXXX  XXXX bankruptcy. I have sent in my police report, dispute letters, my drivers license, social security card, etc they have yet to remove anything. XXXX told me they dont think its me sending in the documents and for that they wont remove anything. This is violating my consumer rights. I have also made a complaint with FRC.GOV the report number is XXXX. I would like for XXXX and Experian to grant my request and remove all inquiries and negative accounts from my credit report. I told XXXX  XXXX bankruptcy I shouldnt have any negative accounts on my reports. Or inquiries, as I state these inquiries were not made by me. If anyone think otherwise please provide me a copy of my written signature.
Product: Credit reporting or other personal consumer reports

I urge you to promptly assist in removing the fraudulent information from my credit file. This data should have been removed already, as it is a result of fraud, yet it remains. Under FCRA Section 605, you are obligated to delete any incorrect records. I have already submitted the required supporting documentation, which I am providing once more. My attorney has been informed and is ready to take legal action if this issue is not resolved without further delay. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They have called Me five to six times a day. They have called my Father, Sister and Brother in Law five to six times a day. asking to speak to me or my attorney. They call me and my family during work hours.
Product: Credit reporting or other personal consumer reports

This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX  XXXX Balance : {$350.00} Date Opened : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following account : XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX {$24000.00} XXXX   XXXX {$3400.00} XXXX XXXX {$390.00} XXXX XXXX {$0.00} DPTEDXXXX XXXXXXXX {$5500.00} XXXX {$10000.00}