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

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. 

Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX XXXX XXXX collections account was removed from my XXXX credit report. On XX/XX/year> XXXX XXXX XXXX collections account was removed from my XXXX credit report. 

XXXX & XXXX sent a deletion request to all three credit bureaus why is this still on my equifax report I have attached photos from my XXXX and XXXX showing the deletion
Product: Mortgage

Ive been trying to get a modification on my home. It started back in XX/XX/XXXX after going back and forth about the paperwork not being completed correctly I finally received a letter in XX/XX/XXXX that my modification was denied due to missing signatures for witnesses for the notary section of the application. I filed a complaint with XXXX Bank then however, the only resolution was for to complete a new application. I submitted a request for another modification XX/XX/XXXX. I received the package with the new modification agreement stating I had until XX/XX/XXXX to complete the package. Myself, The Co-borrower, and I had 2 witnesses that I brought in for the purpose of the notary walk into a TD Bank branch located at XXXX XXXX XXXX XXXX XXXX XXXX VA on XX/XX/XXXX to fill out the package. I did this purposely so that I wouldnt have any issues this go around. The TD Bank employee notarized all the documents. I then mailed the package back. 
I called at least once if not twice a week to check the status of modification. Around XX/XX/XXXX I was told that the notary notarized the section of the package. I went back to the TD bank while on the phone with a representative from the mortgage department. I was at the branch over an hour while the notary and representative went back in forth via about how to notarize the documents correctly. The representative told the notary to scan the corrected copy to so the could have on file while I mailed the wet copy of the corrected form. I have been calling again at least once a week since XXXX getting different answers or they will just tell me there has been no updates because underwriting is swapped. Finally I called XX/XX/XXXXXXXX  and was told my application was expired and I would have to apply again because they never received the full package. This company is not on one page at all. How does your employer mess up their own documents???? This is the second time that I feel Im getting not help from this company due to their own mistakes. I want a full investigation. I want all the notes and email correspondence read by the CEO so that he/she that Ive been treating unfairly. I have done what was asked of me not once but twice and the only response I get is that I have to apply for a modification a third time.BECAUSE ONCE AGAIN TD HAS DROP THE BALL!!!! And for TD to blame the customer because the bank employee doesnt know how to correctly notarized their own documents is absurd.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so bewildered about this situation. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm beyond annoyed. These accounts have NO NAME. It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. This matter has been creating an insane amount of emotional & physical distress. My attorney told me I should just sue for violations in FCRA laws, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I'd prefer to NOT get litigious. Please see this matter is handled. 
XXXX Date Opened XX/XX/2022 Balance : {$250.00}, XXXX Date Opened XX/XX/2022 Balance : {$150.00}, XXXX Date Opened XX/XX/2022 Balance : {$72.00}.
Product: Debt collection

Bill was paid cancellation of internet/cable service XXXX said they did not receive equipment but they did the company was switch to Eastern Account  which is not XXXX  cable service tried years to complete this dispute they will contact me back or answer my calls to settle
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment with the repeated failures to correct the late opening of my account. Despite multiple attempts to rectify this issue, it remains unresolved, causing significant inconvenience and frustration. 

After completing all necessary documentation and fulfilling all requirements as instructed by your team, I expected my account to be opened within a reasonable timeframe. 

However, despite assurances from your representatives, my account was not opened within the agreed-upon timeframe. This delay caused me considerable inconvenience and disruption to my financial affairs. 

Despite my initial complaint, I received no satisfactory resolution. Subsequent attempts to correct the issue were met with further delays and excuses. 

I made several follow-up inquiries to your customer service department, seeking information about the status of my account opening. Unfortunately, these inquiries yielded no concrete results. 

In light of the lack of progress, I filed a second complaint on [ Second Complaint Date ], reiterating the urgency of the matter and the need for immediate action. 

Despite my repeated attempts to resolve the issue, my account remains unopened, and I have not received any updates or communication regarding the status of my application. 

I urge you to take immediate and decisive action to rectify this situation. I expect a swift resolution, including the immediate opening of my account and access to all associated services within [ Revised Timeframe ]. Additionally, I request regular updates on the progress of this matter to ensure transparency and accountability. 

Failure to address this issue promptly and satisfactorily will leave me with no choice but to escalate this matter further, including seeking legal remedies to protect my rights as a customer. I trust that such actions can be avoided, and I hope for a prompt and amicable resolution. With this, I am asking for your assistance to correct these accounts in my credit file : XXXXXXXX XXXX XXXX Balance Owed : {$490.00}.
Product: Money transfer, virtual currency, or money service

Cash app withdrew money from my LOCKED account. I contacted them because the withdrawal was not displayed in my transactions and was told it was from a purchase paid XXXX months prior and to contact the merchant. When I reached out to the merchant, they told me that the transaction was successfully completed at the time of purchase and that there was no second charge processed on their behalf and that I needed to contact my institution. I reached back out to cash app and was told that there was a system error resulting in the money being withdrawn from my account and that there would not be a refund issued. Cash app then closed my account.
Product: Credit reporting or other personal consumer reports

MY COMPLAINTS ARE BEING DENIED AND CLOSED WHICH IS AGAINST THE LAW By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers / Credit Reporting agencies of the following accounts XXXX XXXX # XXXX XXXX XXXX  ( ORIGINAL XXXX XXXX XXXX  ) ACCT # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2023 Experian XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX FED XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that 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. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am in total disagreement with Experians investigation response. The incorrect items listed below still appear on my credit report, XXXX XXXX Acct number XXXX XXXX XXXX acct number XXXX even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. As theyre reporting a collection account with a past due balance, that I have no knowledge of nor am I in any contract with this company. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that they provide actual proof the information was verified, not a computer generated confirmation. 

Please provide : The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. The days you contacted the furnishers of this information and the method of communication used. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. Also in accordance to the fair credit reporting act 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 egency can not fmish a account without my writen instructions.
Product: Debt collection

I was in an auto accident and not insured. The other party 's insurance attorney Thomas George Associates mailed me a collection letter for the cost they are holding me responsible for totaling XXXX. The company then reported a different amount owed to the XXXX XXXX XXXX totaling XXXX without ever sending me any explanation or proof of this balance. I emailed Thomas George Associates representative XXXX XXXX to send the proof of how the balance due jumped from XXXX to XXXX. His response was that it was for paying rental car expenses to the other party and that the balance was now actually at XXXX. Again, no proof or documentation was ever provided for the XXXX  charges that have again spiked without explanation. This repair was completed in less than XXXX  days.The math is not mathing. I have email correspondence of my request for proof and of XXXX acknowledging my request yet never following through with sending what I requested. 
XXXX XXXX claim # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper reporting of medical debt. Medical debt can not be reported before it is one year past due. 
Medical debt is legally defined as debt that arose from the receipt of medical services products or devices. 
Medical debt can not be reported until it is at least one year past due. 
Medical debt has nothing to do with the holder of the loan it has to do with whether the debt arose from the receipt of medical services. 
Due to a life-threatening illness I was forced to have medical services. Thus my alleged debt arose from the receipt of medical services. 
The allege debt can not legally be reported before the one year mark however XXXX XXXX has denied numerous request to remove the credit entry. They even failed to respond to the XXXX XXXX XXXX complaint. 
I am demanding that the medical debt be removed from my credit file. 
For it to remain on my credit report XXXX XXXX  must prove that its not medical debt and that it did not arise from the receipt of medical services and that its not one year past due.
Product: Checking or savings account

On XX/XX/XXXX XXXX XXXX deposited a settlement check in the amount of {$12000.00}. On XX/XX/XXXX my account was locked and put under review for the deposit. No information was given by customer service besides the fraud department will correspond by mail. I went into a branch on XX/XX/XXXX with the check and documents they wouldnt even look at them let alone provide any assistance. Also on XX/XX/XXXX I received a letter by mail stating my account and funds will be available on XX/XX/XXXX however it is still not available. On XX/XX/XXXX I contacted the bank speaking with customer service, supervisors, and the fraud department to atleast grant access to my account while keeping the funds on hold they wont honor my request or provide any assistance with my account or the funds on hold. Due to the time of month I can not pay bills or buy food or items due to not having access to any funds, even those not connected to my initial deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed an investigation request letter to Experian certified on XX/XX/XXXX and Experian received the letter on XX/XX/XXXX. In the letter, I asked Experian to investigate multiple issues regarding the XXXX account, account number XXXX, on my credit report regarding, but not limited to, violating many reporting regulations and reporting inaccuracies. A copy of the letter is attached. 

Experian emailed me a notice on XX/XX/XXXX acknowledging receipt of the letter but stated they will not investigative because it appeared the letter was not sent or authorized by me. I called Experian the same day and informed a representative that the letter was sent by me, and I asked them to process the letter and to conduct the investigation. The representative said that they will. 

On XX/XX/XXXX, I received an email from Experian stating that the results of my dispute were ready. After logging into my account, it became apparent that Experian did not provide any information requested in the letter. The only thing my account showed was that the status on the dispute was updated but after reviewing the before and after sections of the account in question, everything was the same as before! This is evident of Experian not investigating and their response alone is also not accurate. 

Additionally, the information for the XXXX account on the credit report can not be accurate because Experian is showing a late payment in XX/XX/XXXX while XXXX is showing an on-time payment for that same date for the XXXX account. A copy of the XXXX data is attached which could be located on pag

e 6 and 7 of the consolidated CR attachment. This violates my rights under 15 U.S.C. 1681s-2 ( A ) ( 1 ) which states 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. Also, according to 15 U.S.C. Sec. 1681i ( a ), every piece of information reporting for accounts must be 100 % accurate and proof must be provided to show that it is. If not, then the account must be removed from the credit report. Lastly, 15 U.S.C 1681n ( a ) ( 1 ) states anyone who fails to comply with any requirements with respect to the consumer is liable to the consumer no more than {$1000.00} per violation for as a result of the failure to comply or for any damages sustained to the consumer as a result of the failure.
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 : XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : 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: Vehicle loan or lease

I have a monthly car note with XXXX XXXX XXXX of {$500.00} with a past due balance of {$980.00}. I would like full validation of the loan to prove I owe anything. And If it can not be proven to be paid in full.
Product: Credit card or prepaid card

The credit card was opened without my acknowledgement, it was fraud, I have been trying to let Navy Federal know that I did not open that credit card or have possession of that card, they just keep telling me there is no sufficient proof of fraud. I just don't know what else to do, they said I need to provide written or verbal saying I did not open that card which I have done what they have asked and it still getting denied and are asking me to pay for charges I have no acknowledgement of.
Product: Prepaid card

I received an {$100.00} Amex gift card and tried to use it to purchase a XXXX gift card and it constantly gets declined even though there is funds on the account. I tried again with various other amounts and it would still get declined.