23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Back in XXXX, I began a construction loan with Associated bank. Before choosing them, I received a quote for X initial bank fees for the construction portion, and then {$300.00} to transition the loan from construction to 30 year fixed. The initial part went as agreed, when the time came to transition to a 30 year fixed, the loan officer said I could no longer transition the loan as we previously agreed and would have to do a full refinance, which would cost thousands more in bank fees. I highly suspect he gave me a low price to get my business, fully intending to try and gouge me for thousands more once I had a foot in the door ... as this salesperson was very commission-hungry. At this time, I had to quickly pivot and go with another bank as I no longer trust this bank. As part of this process, my bank sent 3 requests for a bank payoff statement. The first request dated XX/XX/19 was a cutoff statement and unusable. The second dated XX/XX/19 was for the wrong period, as we requested a payoff statement for XXXX, not XXXX. The third dated XX/XX/19 was finally accurate. I was charged 3 fees for {$25.00} each to fax these. I never agreed to any of these fees, the {$25.00} to fax a piece of paper is completely ridiculous, and 2 of them are errors on the part of the bank. Also, Associated is supposed to send me my escrow amount and any overpayment within 30 days according to your website. This has not happened. They have claimed they have a check number and mailed it in XXXX. This is a downright lie as I have not received the check ... yet I have received no less than 5 other pieces or correspondence from them in the last 2 months. They want me to stop in at a branch location, sign a bunch of paperwork, probably pay a bunch of fees, to get a new check. I shouldn't have to do that, and frankly based on their actions I just don't trust this bank anymore. I submit this complaint to the XXXX  already, the person I spoke with at the bank listened to what I had to say ... and submit a seriously flawed report to XXXX  where she completely mischaracterized and downright lied about what I said. The biggest lie being that I switched banks due to a lower interest rate ... which I never said and she completely fabricated out of thin air.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate late payment entry on my credit report. 
The account in question is with XXXX XXXX, account number XXXX, which is incorrectly reporting a 30-day late payment in XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a total of three letters each to Experian,  XXXX , and  XXXX  that I wanted verification of the " public records '' showing up on my credit report. I have letters from the court systems that they do not verify, which I have sent a copy of with each of my letters. They keep on coming back and saying they have " verified '' it. One even goes so far as to say they verified with  XXXX . According to law, they have to verify with the listed entity. I have tried to explain this to them, but they still refuse to remove it.  XXXX  removed the public records, but put them back on within a couple of days and did not send me a letter that they were " reinserting '' it on my report ( also a violation ). I would like help from the cfpb on this situation since I am obviously getting nowhere with the credit bureaus.
Product: Debt collection

I received a credit alert from XXXX stating I have a new collections added. After reviewing I saw the Resurgent Capital Service was added. After doing more research I notice it was from XXXX, which I already settle and paid with LVNV. Thinking this was going to be an easy resolution, I sent a certified letter along with proof of the settlement letter to Resurgent. What I receive back was a debt validation letter. I know that was supposed to be sent before anything is placed on your credit report. I once again sent a certified letter stating my issues and demand this be taken off my credit report. Resurgent sent another letter asking for proof, both times I sent in the settlement letter, stating payment was received for this collection. I also requested the help with the XXXX  with South Carolina and they still refused to remove the collections off my credit report. All I have is the letter stating this matter is resolved, I no longer have that checking account to provide it was debited out of my account. Resurgent did not follow correct procedures to verify this account!
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX Account XXXX Date of Charge Off : XX/XX/2024 Amount : {$5300.00} I have previously disputed the accuracy of this charge off account with XXXX and provided evidence that the information is inaccurate. However, XXXX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. On XX/XX/2020 I wrote a letter to Equifax to correct the wrong information on my report. They did not reply so I wrote them another letter on XX/XX/2020. It has been more than 60 days. They are in violation of 611 ( a ) of the fair credit reporting act.
Product: Mortgage

Hi my name is XXXX XXXX and my property was foreclosed on XXXX/XXXX/2016 by SPS " Select Portfolio Services '' located on XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, I was currently working with the lender to obtain a loan modification, I am confident I qualify for a government program that would have saved my home but the lender refused to work with me, I do believe i was the victim of a wrongful foreclosure as i feel this was a predatory loan.
Product: Vehicle loan or lease

I paid off a Wells Fargo Auto Loan, and never recieved my GAP Insurance Refund. Also, they added an interest decrease, an Unapplied decrease, and a late charge decrease to my Pay Off Amount.
Product: Student loan

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on Credut Bureaus response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ; NAVIENT XXXX Opened XX/XX/XXXX Balance {$0.00} ;
Product: Mortgage

The company fails to reissue an escrow reimbursement check after 7 requests to do so. The company initially issued a reimbursement check. My spouse erroneously filed the check away. We discovered the check after it had expired and contacted the mortgage company to cancel the check and reissue it. They required us to return the original, uncashed check, which we did. Following up, they confirmed receipt of the uncashed check and promised to reissue the check. After 6 additional follow up calls over the subsequent 3 months, they still have not reissued the check.
Product: Checking or savings account

Optum Bank DBA Optum Financial is the XXXX of my Health Savings Account Case # XXXX I closed my Health Savings Account and requested my funds be deposited into my account. The account on file as closed, so the bank returned the deposit {$350.00}. For almost 2 months I have called and I have been told different things by different representatives. I was told that a check was mailed last month. I was told yesterday XX/XX/2022 that the XXXX would deposited into the account today XX/XX/2022. Nothing has happened. I still don't have my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed online about the validity of the collection account. Stated verified online. Now the dates changed and they won't let me dispute online. When I contacted Experian by phone today XX/XX/23, the cs rep said the collection company only has to say that the account is valid. Not that there is any documentation of proof. Thus being extremely lax on the FCRA. They put the burden on the consumer. They said to take it up with creditor for proof. Debt collector in this case is XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I would like to express my concern regarding Zelles handling of disputes, with the recent CFPB lawsuit highlighting bothersome issues within the platform. Despite using Zelle, many times and noticing discrepancies My financial institution and Zelle have not investigated my claims adequately.

I was told tracking these transactions was unfeasible and recovering lost funds was impossible. The CFPBs findings highlight that Zelle has neglected to protect their consumers which leave them vulnerable to scammere, and allowed repeat offenders to exploit the system which I find very bothersome.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT MAKE THESE HARD INQUIRIES. BY LAW YOU MUST REPORT CORRECTLY. EXPERIAN HAS DELETED THE FOLLOWING INFORMATION AND THIS SHOULD REFLECT ON TRANSUNION 'S REPORTING ALSO. 

XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Home Furnishing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX/XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX  Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

On XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX checks were deposited into my TD Bank account without my knowledge or authorization. The signatures on the back of the checks are a forgery of my signature. On XXXX XXXX, XXXX there were XXXX XXXX XXXX XXXX unauthorized ATM withdrawals from my account. On XXXX XXXX, XXXX there were three ( 3 XXXX unauthorized ATM withdrawals. There was also an unauthorized charge made at a XXXX store. TD Bank called me to report a possible illegal transaction. I confirmed with TD Bank by phone that the transactions were indeed fraudulent transactions. I had virtually no money in my account so therefore I should have had no activity. TD Bank can easily ascertain that the transactions were unusual for my account as they obviously presumed when TD Bank called me to report the unusual activity. I filed a Police report as soon as I received the telephone call from TD Bank alerting me to the fraud. TD Bank had carried a negative - {$2100.00} on my account for four ( 4 ) months. Then for several months I received bank statements and the negative- {$2100.00} did not appear. I recently settled a XXXX ' XXXX case. Once the settlement was deposited into my TD Bank account, TD Bank used " self help '' and debited my account for {$2100.00} ( XXXX offset ). This was the amount that was illegally obtained through their ATM machines. TD Bank, knew that I was a victim of fraud. TD Bank 's erroneous position that I am liable for the theft that TD Bank allowed to occur at their ATM machines is ridiculous. The XXXX detective informed me that the video at the ATM machines where the crimes were perpetrated clearly show that I am not the person at the ATM machine withdrawing the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with Santander Consumer USA , Inc. with a maturity date in XX/XX/2021. I made the last payment in XX/XX/2021 and checked the account several times later which was at XXXX balance. Someone from Santander Customer Service calls in XX/XX/2021 and tells me that I have a fee of {$140.00} to pay before I can receive the title of the vehicle which I pay while on the phone. While I was looking to refinancing my primary home mortgage and found out that Santander has reported me 30 days late to the credit bureaus for {$140.00}. Even that I was unaware of the {$140.00}, I paid them the same day they inform me about it. All I need from them is to correct the mistake and clear my name so I can procced with the refinance of my mortgage. 


Thanks XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently trying to refinance my home and the mortgage company is unable to pull my Equifax credit score. I had this issue a few months ago when another lender tried to pull my score for a loan and said there was a freeze or lock on my account. I had contacted Equifax numerous times and explained the situation and was told there was no lock or freeze on the account and that there should be no issues. The lender tried to pull the score again and had the same outcome. I contacted Equifax again and they advised me to fax in a cover letter, social security card, etc. and explain the situation. Again, I was told there was no issue. My lender has to pull from all three bureaus and this is holding up the process. This has also kept me from obtaining other loans in the past. I really need this issue resolved as soon as possible as I am under time constraints from the bank.
Product: Consumer Loan

Rise Loans, I borrowed from this company before and have paid in full all of my loans with them early if not on time.The last loan I took was XX/XX/2015, FOR XXXX, and lost my job XXXX with no income what so ever .They were unwilling to work with me in any way other than to satisfy my debt with them .as early as yesterday the loan was sent to a third party to collect., XXXX. out of Kansas I do n't know if there is any help for me as I got caught up in this whirlwind world of Payday and Instalment Loans! I amm really trying to build myself back up but do n't know how too
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I observed Home Depot Credit Card has not reported this credit card on my daughters credit report to XXXX or XXXX. This card is only showing to her XXXX report. Its showing on all three of my credit reports with XXXX, XXXX and XXXX. I am requesting for this credit card by Home Depot, to be reported on all 3 of her credit reports as wells. Attached are documents showing it is only being reported to one credit bureau and thats XXXX.
Product: Credit reporting or other personal consumer reports

Dear Dispute of Inaccurate Late Payment Reporting - Account Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subiet : Request for inacurete late payments base on FCRA sp ecifically 15 USC 1681. 
I Am Writing To Dispute The Inaccurate Reporting Of Late Payments On My Credit Report, Specifically Concerning The Accounts Referenced With XXXX XXXX XXXX XXXX XXXXXXXX Upon Thorough Review, I Have Identified Discrepancies In The Reporting, And It Appeary That There May Be A Violation Of The Fair Credit Reporting Act ( Ecra ) As Ouflined In 15 US.C. {$1600.00}. The Reported Late Payments On The Aforementioned Accounts Are Inconsistent With My Payment History. To The Best Of My Knowledge And Records, I Have Consistently Paid These Accounts On Time, In Accordance With The Agreed-Upon Terms Reference To PAANL ( Paid As Agreed, Never Late ) : The Termy Of Our Agreement Have Always Been Adhered To, And The Accounts In Question Should Reflect A Status Of " Paid As Agreed, Never
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXXXXXX XXXX on XX/XX/XXXX, 2 collection accounts XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, and XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

last week I checked my credit report and noticed that my TransUnion  FICO sco re was significantly lower than my other  XXXX  credit scores and as I scrolled through the accounts I saw no issues with any of my accounts but then I noticed the " Public Record '' section of my report was displaying a Bankruptcy and this is erroneous. I have never filed bankruptcy before and I also have never held any joint accounts with anyone before to have filed a joint bankruptcy. My concerns are that I am heavily reliant on my credit to get the best rates and such and this has surprised me and I had never realized until now that this was the reason why I was being denied certain credit cards and business loans. I do not know how or why this has shown up on my Transunion credit report but I demand it be removed immediately so that all  XXXX  of my credit reports match and say the same thing about my credibility. It is dissapointing that this can just appear on my report and even though I understand that errors may happen I am very frustrated that I have to take these steps to fight for something that should not be affecting me financially or legally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX  : XXXX Experian : XXXX XXXX : XXXX.
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. 

XXXX XXXX XXXXXXXX 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, 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

Late payment on my account is inaccurate made all my payments on time
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt exists.
Product: Credit reporting or other personal consumer reports

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent You replied that the alleged transaction you furnished as late was { accurate/ verified } but my previous dispute did not ask you for accuracy or validation. 
You furnished to { XXXX, XXXX, and XXXX ' } put the CRA that is reporting the late payment } an alleged transaction as Late.

15 U.S. Code 1666b - Timing of payments ( a ) TIME TO MAKE PAYMENTS Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date. 
I requested the information that must have or possess by law in order for you to furnish a payment as late. 
This is being request pursuant rule 1002.

In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true, and in doing this the conditions required by 15 USC 1666b must be met.

You failed to provide the required requested information, you failed to proceed in accordance with the requires for a creditor to treat a payment as late. 
It has been over 30 days and you have not properly verify the information. 

Id. at XXXX ; see also XXXX XXXX XXXX ( 11th ed. 2019 ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). 
Importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified. 
XXXX, XXXX XXXX at XXXX. So, for example, if a furnisher is unable to verify that a consumer missed a payment, then it may be appropriate for the furnisher to delete any mentions of the missed payment while continuing to report other information about the account. 
Delete the information you are furnishing to the Consumer Reporting Agencies as late from account. 
Your Name XXXX  XXXX Without Recourse UCC 1-308