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

Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report To : TransUnion Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 

I recently reviewed my credit report and noticed an account that was not reporting accurately. Specifically, I had 1 late payments on an account ( XXXXXXXX XXXX XXXX XXXXXXXX ) that, in fact, were paid on time. Credit reporting agencies are required to report all information with complete accuracy. This account has never been late on payments. 

I have attached a copy of my report highlighting the disputed payments on the following dates : ( XX/XX/2023 ). I kindly request that you investigate this account and update the payments to " paid on time '' immediately. Thank you for your understanding and prompt action. 

Additionally, I request that you provide a description of the procedure used to investigate and verify this account. If you can not update the payment status to reflect " on time, '' please provide the required documentation and explanation. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 

I have identified discrepancies in the reporting, and it appears that there may be a violation of the Fair Credit Reporting Act ( FCRA ). The reported late payments on the aforementioned account are inconsistent with my payment history. To the best of my knowledge and records, I have consistently paid this account on time and in accordance with the agreed-upon terms. 

Per 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely related to transactions or experiences between the consumer ( me ) and the entity ( you ) making the report. Payment history, including the reported late payments, negatively impacts my consumer report and is considered part of my transactions and experiences with your company.

Furthermore, I am requesting that you provide me with a written explanation of the reasonable procedures [ according to 15 U.S.C. 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Please also include all the information required by section 1637 ( b ) of Title 15.
Product: Credit reporting or other personal consumer reports

Delete hard Inquiries XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX Used XX/XX/XXXX Experian XXXX XXXX XXXX Bank XXXX  Cards XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian 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. 
The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 tem of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C 1681s-2 ( A ) ( a ) 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. 
Delete the accounts below.
Product: Debt collection

XXXX was deleted from my XXXX credit file. The collection account ncb management is the collection company who now owns the collection account for XXXX. If the original account was not valid neither is the collections account. Trying to collect on a non valid account violates my rights as a consumer. Please stop all attempts to collect on a non valid debt. This not only includes phone calls, letters, and emails, but also must be removed from all three credit files, XXXX, XXXX, and XXXX. This non valid debit has caused me to not be considered for jobs, I would like all three credit companies to please send update credit histories to every company that has requested my credit file for consideration of hire in the last 2 years, once these faulty items have been removed from my credit file.
Product: Checking or savings account

Regarding COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX XXXX " The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at XXXX XXXX XXXX XXXX XXXX about its response to this complaint. '' No response from the company- The company has not addressed any of my issues as no response was provided. The company has NOT responded in writing either to me or to the CFPB. The telephone provided to get a verbal response goes to a general, unidentified voice mail. This is unacceptable. To reiterate : NO RESPONSE, NO WAY TO CONTACT THEM. 

" The CFPB has closed your complaint. " CFPB did not receive/post company 's response and did not follow up and verify that a response was given. In both instances CFPB is not doing its job just padding " closed cases '' statistics. UNACCEPTABLE. Please open a complaint, ensure the company responds and verify that this is a valid response. 

YOUR COMPLAINT Deposited a {$2100.00} check on XX/XX/XXXX to my savings and checking accounts. The bank put a hold on it claiming the initiating financial institution will not make funds available until XX/XX/XXXX ( call to bank at XXXX XXXX  AZ time ). I checked with the issuing bank who representative stated thtat that is not true as they make funds avaiable immediately. Transfered to BOA Deposits Mgr XXXX who stated it's a Reg CC hold, funds not available until XX/XX/XXXX and told me info on overdraft fees. Why such a long hold? Reg CC says non local financial institutions must be available on 5th day. Is this another BOA scheme to use funds without crediting depositors timely?
Product: Debt collection

This card wasnt mine I didnt open any XXXX  XXXX with this amount and I see they report me on XXXX XXXX XXXX collector LVNV FUNDING LLC Reported XXXX XX/XX/year> And I try to dispute more than 10 times they not responding right back
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX XXXX last reported XX/XX/year> {$3200.00} 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

I am trying to get PMI removed. I have emailed ( 3 times ) and written the loan servicer as is required. I have yet to receive a response. It has been 2 months.
Product: Bank account or service

XXXX bank bounced out check to XXXX in XXXX 2016. XXXX uses TRS Recovery Services Inc to collect on all check issues.TRS has processed now twice a Pre Authorized Paymemt tbru our checking account now twice after sending us by mail a Letter for demand of the insufficient funds fee to be paid via credit card money order etc. 
TRS trying to collect the fee by numerous different ways seems like fraud to me along with this created document that the bank accepts as a preauthorized payment that we did not authorize. 
Furthermore the preauthorized document according to XXXX bank has numerous issues with it. Besides not being our check, having no signature or authorization on it, it is made payable to XXXX and TRS is not XXXX along with the coding number of this being a recurring charge for a membership. 
Lastly it was my understanding that by law no company can not collect more than the face value of a check via your checking account but this company seems to be legally doing that.
Product: Debt collection

Several attempts were made to dispute invoice XXXX. 
The last written dispute was XX/XX/2023 with the agency representing your firm. I provided a formal written dispute of the matter between XXXX XXXXXXXX XXXX XXXX vs XXXX XXXX requesting verification of the charges in the form of any SIGNED contract work orders, quotes, or statements of work expressly detailing work to be or was performed with a signature approving said work. It is my position that I did not request, sign off, or approve the services XXXX XXXXXXXX XXXX XXXXXXXX has claimed to have performed and never agreed to the charges. To date, No signed agreement acknowledging the work or fees was ever furnished. Yet, the debt was reported to the collection reporting agencies.
Product: Credit card or prepaid card

On XX/XX/2022 I charged {$2700.00} to my Chase Sapphire XXXX XXXX credit card for an upcoming cruise, knowing that Chase offers the " My Chase Plan '' option to split up large purchases into a more manageable payment plan without charging interest on the purchase, but instead charging a fixed monthly fee. I have used this service previously on a separate transaction on my Chase Freedom credit card. When the charge posted on my card I tried to select the option to create a My Chase Plan but the option was not available to me. I went to the Chase.com website to find out why my purchase was not eligible. According to the Chase website, " An eligible purchase transaction for My Chase Plan is a purchase of at least {$100.00}, but may not include certain transactions, such as ( a ) cash-like transactions, ( b ) any fees owed to us, including Annual Membership Fees, and ( c ) purchases made under a separate promotion or special finance program. '' My charge did not fall into any of the aforementioned categories. I contacted Chase customer service on XX/XX/2022 and spoke to a girl who told me that some purchases just aren't eligible. I asked her why and her reply was that they " just aren't ''. I told her I wanted to know specifically why, and she said she would not be able to help me. I asked her if there was someone else I could speak to who could explain why my purchase was not eligible. She said I could speak with a supervisor, and I told her I would like to do so. She placed me on hold and I waited 45 minutes until the supervisor picked up the call. The supervisor told me that the purchase was not eligible and I asked him why, and he told me that he didn't know. I read through the description on the Chase website of all the reasons a purchase would not be eligible and asked him to confirm if my purchase met any of those criteria. He said that it did not. I asked him why my purchase was not eligible if it didn't meet any of the exclusion criteria and he said he couldn't tell me. I asked him what the next step would be for me ; what else I could do to find out why I was not able to create a My Chase Plan. He said he could " escalate '' my inquiry and that someone would review my account in more detail and that I would receive a letter in the mail with the resolution in 10-14 business days. I told him to move forward with that process. It has been more than 14 business days and there has been no resolution. This situation is frustrating because it seems like a " bait-and-switch '' technique to entice consumers to make large purchases under the assumption that they will be able to defer interest on the purchase and create a payment plan. Then the payment plan option is not available for no discernible reason, but you won't find that out until after you have already made the purchase. It seems like a scam to entice consumers to spend more so Chase can charge more interest on those purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in receipt of my most recent consumer report and I am showing that you are reporting to my consumer report without permissible purpose. this is a violation of my rights. i have never provided you any consent to communicate with me in regards to this alleged debt and due to your negative reporting i am unable to benefit from my credit. this is causing mental anguish as im going through a financial crisis. please follow reasonable procedures immediately.
Product: Mortgage

I XXXX XXXX submitted a request to modify my mortgage in XX/XX/XXXX. I have been going through a serious medical issue where I lost my ability to XXXX XXXX XXXX. However, US Bank sent a nice letter responding to the CFPB complaint on XX/XX/XXXX, whereas I was sent by email a modification package. That modification package was submitted within 10-weeks, which is well within the timeline mandated by the revised Fair Debt Collection Practices Act amended version of XX/XX/XXXX. Suddenly, I was served with a foreclosure notice, even though US Bank was well aware of my condition, and they were finally given a full modification package on XX/XX/XXXX. I am still gainfully employed and working through my XXXX  XXXX. I can not afford to hire an attorney to defend this foreclosure. In my opinion this is a RESPA as well as a FDCPA violation that I will take to the Federal Deposit Insurance Corporation if necessary. I need an immediate notice from the offices of US Bank as well as the foreclosing lawyers that this action has ceased immediately. The attached documentation speaks for itself, proving that I have followed the proper procedures on my modification processing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below do not belong to me. Pursuant The FCRA credit agencies must verify accounts reported on a consumer credit report. I did not give any company nor agency consent to benefit from or utilize my authorized credit. 

Account Name Account Number XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Original creditor XXXX Original creditor XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. 
I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( Experian ) has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Bank account or service

I deposited a check for {$500.00} into my account on a Friday afternoon into my US Bank checking account. US Bank made {$200.00} of that deposit available to me immediately. I purchased something from XXXX XXXX for {$9.00}. Then later in the day US Bank decided they did not want to give me {$200.00} advance on deposit and took it back, in so doing my {$9.00} purchase caused my account to be overdrawn by {$4.00}. Seeing this I attempted to deposit cash into the ATM, the ATM would not let me. I e-mailed US Bank since it was the weekend and bank branch was closed. THey said to make a deposit I need to go into a branch to remove a hold that was put on card. Well I work for a living like most Americans and ca n't go in when banks are opened. During the week, so I deposited a check via their mobile deposit, to which I was charged {$0.00} to do so. Which I am fine with. 
On the XXXX, even though I do n't have overdraft protection and an e-mail ( from US Bank ) states I would n't be charged any fees for overdrawing my account using my debit card, I was charged a fee ( {$36.00} ). I purchased something when my account had a positive balance, enough to cover XXXX purchases of the size I made, then it was taken back to draw my account over. 
I have made multiple requests to remove the fee of {$36.00} and each rep declined. I put a stop payment on the deposit I made to US Bank because of the way they were acting and wanting to charge me fees. To which US Bank charged a {$19.00} returned item fee. That I had no problem paying. I am simply asking for the {$36.00} fee returned. 
Additional Note : I attempted to get this resolved, but after XXXX emails with US Bank, they refused to do so.
Product: Debt collection

XXXX XXXX Bank after anount was fully paid they still sold my information to Resurgent XXXX  to collect an already paid amount. When i cintacted XXXX XXXX they reinstated the cresit card and charged new balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXX
Product: Credit reporting or other personal consumer reports

Ive tried contacting the company several times through mail and CFPB and nothing gets rectified. They say theyve done a full investigation and some numbers and put it on my credit report.
Product: Credit reporting or other personal consumer reports

Dear CFPB, In accordance with the Fair Credit Reporting Act, everything on my credit report must be 100 % accurate. I am writing to lodge a complaint against Experian for failing to uphold this requirement. 

Despite stating that my account was properly investigated, Experian continues to report inaccuracies, such as the incorrect open date, date last active, and date last reported. This is grounds for removal, and they have violated my rights under : 15 U.S.C. 1681 Section 602 A : This section states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : This section states a consumer reporting agency can not furnish an account without my written instructions or consent.
15 U.S.C. 1692c : This section states a debt collector may not communicate with a consumer about any debt without the consumer 's direct consent or a court 's permission.

15 USC 1681 ( e ) b : This section requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information. 
For XXXX XXXX XXXX XXXX # XXXX, ** Experian reports the account status as " Open, '' a high credit of {$9900.00}, and a last reported date of XX/XX/XXXX. However, XXXX reports different information. Additionally, Experian 's two-year payment history shows late payments, whereas XXXX reports on-time payments. 

For XXXX XXXX XXXX ** the date opened is reported as XX/XX/XXXX, and the high credit is shown as {$0.00}. These discrepancies are inconsistent with other bureau reports. 

For XXXX XXXXXXXX, ** Experian reports a date opened as XX/XX/XXXX, a term of 15 months, and a last reported date of XX/XX/XXXX. However, XXXX shows different information, creating discrepancies that are unacceptable. 

I have challenged these inaccuracies multiple times, yet Experian continues to provide inconsistent and incorrect information. I have enclosed a copy of my credit reports for your review. If these inaccuracies are not corrected within 15 days, I will pursue legal action.
Product: Credit card or prepaid card

I have been charged {$120.00} in late fees year to date. I am requesting to have all of the late fees refunded to my account. Most of the time, I've been paying on this account. XXXX XXXX failed to deliver the furniture to my home. It wasn't until XX/XX/2021 that XXXX XXXX delivered the right furniture to my house. This ordeal caused unnecessary fees because I was paying for an item I did not have. However, Synchrony Bank was adamant that I continue to pay despite being documented that American SIgnature failed to deliver the article because it was on backorder. Then once delivered, it was the wrong color.
Product: Checking or savings account

On XX/XX/XXXX, Somehow someone got into my account and did a bill pay for {$3600.00} from my business account which I never authorized. The card number that was used for the payment is from XXXX XXXX. ( XXXX ) which was giving to me by bank of America fraud department. the same day they attempted to do another transaction of {$4500.00} which was cancelled by bank of America representative. I call bank of America multiple time to help solve to the issue. they give me a lot turn around. and also provided me a case number ( XXXX ) I went to filled a police report and I call and provided it to them and nothing solve. all the kept telling me that I did the transaction and they don't give me any proof. the ip address that was giving to me is totally different than i have on my devices. they gave me a lot of false information. there was no real investigation going on from my understanding.
Product: Debt collection

United Collection Bureau has been calling my husband. He told there they need to speak to me his wife. He gave me the phone number which it is on my phone. I took a picture of it. The day I call was XXXX at XXXX pm the phone number is XXXX. When the man answer I could nit understand him. I kept asking the name of the company. I could not under stand him. I told him my husband gave me this phone number to call. He told me he doesn't have a file. I told him I need someone to speak XXXX. The man hung up on me. I thought may be my husband gave me the wrong phone number. It was one there web site. 
My talk XXXX and she there no record of me calling in. But I took of picture and saved to my phone. 
They call my XXXX  on XXXX and he told me to call ask for XXXX at XXXX. I talk to XXXX she said what is my phone I told you. She said she would call me back in XXXX minutes. She never call me back. The account number is XXXX. My husbands name is XXXX XXXX and my name is XXXX XXXX. Please let me know. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

CoreLogic Credco, has violated my rights as per 12 CFR Part 1022 ( Regulation V ) 1022.22 Scope and duration of opt-out.