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

I hope this letter finds you well. I recently obtained a copy of my credit report and noticed multiple discrepancies, including unauthorized inquiries and conflicting information on the same accounts across the credit bureaus. 

These discrepancies include differing account numbers, dates of last activity, last payment dates, balances, account statuses, and original balances. The listed accounts are as follows XXXX XXXX XXXX XXXX XXXX  Important dates Inquiry date XX/XX/year> XXXX XXXXXXXX XXXX Important dates Inquiry date XX/XX/year> XXXX XXXX Important dates Inquiry date XX/XX/year> XXXX XXXX XXXX Important dates Inquiry date XX/XX/year>XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/year> I request that you provide me with complete documentation related to these accounts. This should include the original contract bearing my wet signature, full transaction history from the date of account opening to the present or closure, and any other documentation used to verify the accuracy of the accounts. 

I want to remind you of your obligations under 15 U.S. Code 1681e ( b ), which necessitates following reasonable procedures to assure the maximum accuracy of the information relating to the individual on the report.

Furthermore, under 15 U.S. Code 1681i ( a ) ( 5 ), in the event of any disputed information being found inaccurate, incomplete, or unverifiable during any reinvestigation, the consumer reporting agency must promptly delete or modify that information and notify the furnisher about this alteration or deletion. 

As such, I expect a thorough investigation into this matter. If you're unable to provide verifiable proof within 15 business days after your investigation, the disputed accounts and/or the listed information must be removed. 

Enclosed you will find copies of my ID and a utility bill for identity and address verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 reportina agenc can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I paid my credit cards full balance of {$610.00}. I needed to pay this credit card off in order to close on the purchase of my home. 
XX/XX/2022 I received a letter from this credit card company stating I still owed this balance and stated I was late on payments and was charged late penalties. I went into the branch to ask for help and they advised me to call the number on the back of the card. 
When I did call they asked me to send them proof that the money was indeed taken from my account. I faxed them this information and I have yet to hear back from them. Every time I call they tell me I have to go into the branch to figure this out. They have me going back and forth and no one has helped. My credit is now being affected by this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and saw multiple billing errors, including late payments that arent consistent with my payment record. Please fix these issues and ensure my account is updated. Thanks!
Product: Checking or savings account

In XXXX, 2019, Simple Bank had a promotion that offered a {$250.00} bonus if {$10000.00} was deposited and kept in the account for 3 months. 

I followed all of the links that went with the offer. I signed up before the deadline, and made the {$10000.00} deposit on time. I kept the entire {$10000.00} in a zero-interest account for 3 months because I was led to believe that I would be getting the bonus. 

I was supposed to receive the bonus in XXXX. Since my account was not credited, I contacted the bank and was told that I had signed up for the wrong account. The representative I spoke with was extremely rude and did not attempt to listen to my side of the story. 

The wording of their promotion was misleading and deceptive and I can not imagine that I am the only person who was scammed by this fraudulent offer.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 at appx XXXX hours, I tried to make an ACH payment on my SOFI Loan ending in # XXXX with my XXXX XXXX checking account ending in XXXX. I gave the proper routing and check number and SOFI said the transaction went through. On XX/XX/2019, I received word that the transaction did not go through. The same day at appx. XXXX hours, I called and gave the same baking information from XXXX XXXX over again. The transaction was said to go through again. It went through on XX/XX/2019 but was from my XXXX XXXX account ending in XXXX. I never gave SOFI permission to take anything from that account. The action left me in the negative on my XXXX   account and it has caused me adverse financial harm. I called SOFI to find a way to rectify this action and talked with XXXX at appx. XXXX on XX/XX/2019. He said they would call be but I have not heard from SOFI since. They had no right to take any money from the account and that needs to be rectified because that is criminal to take from an account without permission. All they had to do was take from the XXXX account like they had permission to do.
Product: Mortgage

TruHome Solutions , LLC is my mortgage company. On XX/XX/XXXX XXXX XXXX did an Annual Escrow Account Statement Disclosure. TruHome Solutions did not receive my homeowner 's renewal policy nor did they let me know they did not receive until I brought it to their attention on my phone call to them on XX/XX/XXXX. Then I received a letter in the mail on XX/XX/XXXX dated XX/XX/XXXX stating that they did not receive my insurance renewal notice. On XX/XX/XXXX I brought to XXXX XXXX attention that they underestimated my insurance by {$1500.00}. That is when they stated that per Fl. Statue blah, blah, blah they had to run that disclosure when they did without the insurance renewal notice. I asked them to run another Annual Escrow Account Statement Disclosure after I emailed them my insurance renewal notice plus had my insurance company email it to them per the email address TruHome Solutions gave me. I called them numerous times up til today XX/XX/XXXX. I have recorded conversations with TruHome that I asked permission to record them which they said yes everytime. On XXXX I mailed out a check for {$900.00} which they did not apply to my escrow account until XX/XX/XXXX. I also called TruHome on XX/XX/XXXX and gave them a phone payment of {$1000.00} to my escrow account which they applied on XX/XX/XXXX. By the way they sent me a check for {$85.00} on XX/XX/XXXX saying I had too much in my escrow account which I did not. So now TruHome puts my mortgage payment down to {$860.00} for XXXX payment. Then for XX/XX/XXXX I get a Mortgage statement dated XX/XX/XXXX with the amount due {$1100.00}. Then I get another Mortgage Statement dated XX/XX/XXXX with the amount due {$2000.00}. So I called TruHome today and was very upset because I am on disabliity and only make half that amount. It would take both my income and my spouse 's income to make the mortgage payment let alone living period. Now on the phone TruHome said that they ran another Disclosure Statement and I should be receiving it in 10-15 days. Well, first they applied {$290.00} to my escrow account which I paid in XX/XX/XXXX ; then they took off the same amount saying it was a misapplication reversal. Also they did not apply my payment of {$860.00} total for XX/XX/XXXX which I paid. Can you, please, help me.
Product: Checking or savings account

My account began in XXXX to XX/XX/XXXX. I closed the account because no need for it. But decided to reopen shy of 12 months. XXXX XXXX  I started using the account again. When opening the freestyle checking the CS did not activate my account online services. Mobile and Web site kept showing XXXX transactions and possibly currently 24hrs of transaction. I could never seem to keep the account current. I continued getting false balances on the accounts. Cause me to overdraft my account. Once I noticed this information the branch said give it few days to reset and call CS. CS said to speak with tech support. Tech support said to speak with Branch. Who ever is going to fix the glitch on my account and refund me my fees of {$620.00}. How are you to keep your account positive if given wrong balance information. Seeking for someone to resolve my issues and Corp to know how they XXXX the little people.
Product: Student loan

I got a late fee charge of {$19.00} on XXXX because I assumed I was going to have a break due to the pandemic but it did not happen. 
I always pay over the suggested amount given by Navient. In the last months I was supposed to pay {$300.00} and I have been paying {$310.00} but in the last month due XX/XX/XXXX I did not distribute correctly the payment and I got a non-paid {$7.00}. I have received phone calls about this. I requested to fix it and they charge me a late fee. The last customer service agent started very supportive but in the last 5 minutes was very mean and rude.
Product: Debt collection

Collection agency, has not validated the debt and they still continue to report to the credit bureaus. 
Continue to attempt to communicate with myself using email even though Ive asked them not to.

Consumer protection afforded by the FDCPA FDCPA Section 809 ( b ) FTC Opinion letter Case from XXXX The failure to further and fully investigate the matter is absurd! A comprehensive investigation would reveal I did not apply for any credit would underscore your failure to conduct a thorough inquiry into the matter. 

A violation of 15 USC 1611 has occurred, indicating a breach under the Fair Debt Collection Practices Act ( FDCPA ) with criminal liability for willful and knowing violations.

Section 1692K of the FDCPA imposes civil liability for violations, emphasizing the importance of fair debt collection practices. Additionally, Section 1681 highlights the significance of accurate credit reporting in maintaining the efficiency of the banking system, while Section 812 prohibits the creation of false beliefs regarding debt collection involvement. For violations such as failure to validate a debt and continued reporting to credit bureaus, the Consumer Protection under the FDCPA affords potential fines as follows : * FDCPA Section 809 ( b ) and FTC opinion letter Case from XXXX : Fine of {$1000.00}. 


This is done good faith and without recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681C-2 a consumer reporting.agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, which I acquired fromExperian, I noticed an UNAUTHORIZED inquiry made by your company XXXX XXXX XXXX  on XX/XX/XXXX I did not authorize anyone employed by your company to make an inquiry and view my credit report on that date, I have Paid and closed XXXX credit cards in the past XX/XX/XXXX. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to inquire without my permission. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Product: Credit card or prepaid card

American Express took me to court saying that I owed them money. I was the defendant in this case and it was dismissed with prejudice at the plaintiffs costs. Dismissed with prejudice means the case can not be brought back up against you. On XX/XX/2020 I received an email from American Express saying I missed a payment. This is harassment and unfair credit reporting. Please see the images I have attached for proof of my complaint. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of buying a Home when I pull my credit report I found account that were not accurate. I have no account with XXXX XXXX XXXX there is some type of mix up or issue. The XXXX. XXXX XXXX XXXX XXXX XXXX ) is in good standing this account is listed wrong error please delete. XXXX XXXX ACCOUNT ( XXXX ) this account is duplicate error please delete account. These account have not been verified accurate please delete. These XXXX accounts are in dispute with the original creditor error please delete accounts. 
All of these accounts which you DECLINED. I sent info for Experian or agent of Experian, XXXX XXXX, XXXX a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. If you had investigated it completely, no XXXX system no thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine - though your company claims to have " verified '' this. XXXX XXXX, XXXX vs. XXXX XXXX Experian XXXX, and XXXX vs. XXXX, XXXX, et al, the courts ruled each and every time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint without the assistance of any third party company. I am writing this complaint from my understanding of Federal Law that Experian is in violation of furnishing unauthorized information on my consumer credit report WITHOUT written instructions of the consumer to whom it relates ; XXXX XXXX XXXX. On XX/XX/2021 I mailed a notarized Affidavit of Truth highlighting several facts of violations that have occurred against me, the consumer. I have attached a copy of the affidavit of truth. The tracking for the certified affidavit ( tracking number : XXXX ) confirms the Affidavit of Truth was received by Experian on XXXX. Experian is in violation of reporting any information on my consumer report without written consent for me, the consumer. Additionally, Experian is reporting several inaccuracies on my consumer that I have disputed on XX/XX/2021 ( CFPB complaint # XXXX ) and XX/XX/2021 ( CFPB complaint # XXXX ) and both complaints have been ignored by Experian. If the consumer reports inaccurate information on said consumer report, the XXXX XXXX XXXX is required by law to remove the item from the consumer 's report until an investigation is completed. I have disputed this several times and never once has these been removed from my consumer report until the investigation is complete. It is the responsibility of the consumer reporting agency to only report true and accurate information. This is a violation of my consumer rights and I demand that Experian cease reporting any negative or harmful information on my consumer report as no written consent was ever given by me, the consumer. I received a response in the mail from Experian on XX/XX/2021 in response to my affidavit of truth which contained several violations and inaccuracies as the letter referenced an account that was never on my consumer report. Experian is failing to furnish accurate and true information on my consumer report. Based on my understanding of applicable laws ( 15 U.S Code 1681b, 15 U.S Code 1681s-2 and 15 U.S Code 1681e ( a ) ) which is federal law, these negative items should be removed from my consumer report. I am a victim of aggravated identity theft because again, there was never written consent given by me, the consumer to report this information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The response from the title company is not correct. The lender did NOT instruct them to hold my money for 3.5 years. Additionally, since they are responsible for paying the taxes, they should know after a reasonable amount of time ( 3-5 months ) that the check was not cashed ( show me proof of a check that was generated and mailed to the state treasurer. ) I attached the record and you can see no payment was received when due in XX/XX/XXXX until XXXX of XXXX ( when XXXX my lender made the payment to catch up back taxes ). this caused my escrow to go negative and my monthly payment to go up to replenish my escrow. 


I demand some resolution for damages. There is no excuse to keep my funds that long I would like accounting from the title company that was obviously caught in an audit. There are monthly and annual audits this should have been addressed years ago!
Product: Payday loan, title loan, or personal loan

Hello, I've had this loan for several years at a fixed monthly payment rate. Now approaching the final two payments, discover has decided to take it upon themselves to submit an " unauthorized '' balance payoff. This has caused other consequences with my credit union account in which the funds were withdrawn. I am appalled! My credit union suggested I contact discover and have them provide a statement declaring this was done in error in order for me not to be responsible for overdraft fees. In the meant-time a monthly payment was scheduled and authorized by me days prior. They were trying to double dip. I tried to resolve this with Discover but they refuse to be compliant. I've never experienced this in the past with discover nor my credit union. I strategically schedule payments in a timely manner at least 95 % of the time. I don't claim perfection, but when I approach the due date I sometimes pay directly on the discover website. This is how discover had access to my account information to retrieve those unauthorized funds from my account. I would appreciate if an investigation can be done. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first time filing for bankruptcy and I was told per my attorney that, a credit company that is listed as a creditor can not in any shape of form request, change or collect any monetary payments. XXXX is plastering late payments and adding extra fees the account. Instead of reporting close and removal of late fees, XXXX   is steadily adding late fees and late payments to the credit report. I have 6 late fees reporting and they need to be removed from all credit reporting agencies. 

The photos listed is how all of the accounts are reporting. There is 6 on time payments so why not remove the negative? Why not let the past go and move on to the future?
Product: Mortgage

credit report pulled for initial process for mortgage loan. Loan was approved for the amount {$300000.00}.

1. XX/XX/XXXX : received E-Document with two separate disclosures. The first disclosure was listed as the " initial '' disclosure with the second disclosure noting the rate locked at 4.6 % with closing date set forXX/XX/XXXX.

With closing date set forXX/XX/XXXX and move in date of XX/XX/XXXX, we were then able to schedule a date for vacating rental property, moving company, transfer of utilities, postal service, etc.

2. As credit report would have been expiring before closing, a new credit report had to be pulled. I received word via email on XX/XX/XXXX that the rate had increased to 5.1 % which would note a {$74.00} increase in monthly payment. I agreed to the increased rate that same day. No disclosure was received that day.

3. On XX/XX/XXXX, I received email from Suntrust stating that my file was cleared to close with a closing date of XX/XX/XXXX.

4. It was not until XX/XX/XXXX @ XXXX that a second disclosure was received indicating that the rate was increased and the date for closing remained XX/XX/XXXX.

5. It was not until 4 hours later that I learned that the closing date had been changed to XX/XX/XXXX. The notice for the change in closing date did not come from SunTrust but came from my realtor. I still have yet to receive any official change for closing from SunTrust.

I am a XXXX XXXX  and have to really manage schedule tightly and can not cancel patients at the last minute. My wife is a XXXX XXXX and can not take off from work without at least 2 weeks notice. We work late hours and can not accommodate standard business hours. The previously scheduled closing date was done far enough in advance to adjust our schedules to accommodate others. Now, we have unnecessary fees and expenses as we now have to reschedule all of the previously scheduled transfers, movers, etc. I now have to urgently cancel patients from my schedule on XX/XX/XXXX in an effort to be moved out of the rental property by XX/XX/XXXX Additionally, the lack of organization and negligence in which SunTrust has handled this mortgage has added unnecessary stress.

Not only has SunTrust 's negligence added financial and emotional stress, this amount of stress exacerbates my spouse 's underlying medical condition which could possibly result in loss of employment and unnecessary medical expenses due to physical decompensation.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I have tried to dispute the incorrect information with Transunion, but their website keeps giving me errors and they do not provide a phone number to call to dispute the information. I tried to reaccess the report online and Transunions website tells me I have to pay for it.