23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I own a duplex property with a mortgage on it from US Bank. There was a fire there in XXXX. XXXX XXXX paid out $ XXXX total to pay for the renovations from the fire. They paid out $ XXXX to start, which I had to take to US Bank for them to endorse the check and I was able to deposit it with no issues. Then when the work was completed, I received a final check from XXXX of $ XXXX. I took that check into a US Bank branch on XX/XX/XXXX, and the branch manager called into the US Bank insurance claims process and she had them on speaker and because the total is now over $ XXXX, it had to go though a special process where we send in paperwork. The person on the phone listed what we had to do/send. We gave that info to the branch manager and she mailed it in. I heard nothing for a week or two and then I got a call from US Bank saying there was information missing. They said we didn't sign the back of the check ( no one told us this check would be cashed by US Bank, we assumed they would endorse the back of it like last time and mail it back ), so they had to mail the check back to us, and then I paid {$28.00} to overnight it back to them because at this point, I had already paid out that money myself to the construction company, so I'd been floating $ XXXX ( and I still am to this day on XXXX XXXX ). I also asked them at that point to overnight the check back to me when the process was done, they said they'd put in a request to do that. On that same call, they told me the work on the house needs to be inspected, and that they'd have an inspector reach out to me ( not sure why they didn't do that initially, but they waited until my call with them to trigger that process ). The inspector reached out and scheduled to come, but then canceled day of. And then we heard nothing back after that from them, so I called again. This time they told me the inspection was done, everything was done, and they would trigger the new check to be cut and sent to me. Again, i waited, and nothing happened. So I called back and the person told me the inspection still needed to be done, so they triggered a new inspection that at this point happened almost XXXX weeks ago, and I still have not received my check in the mail. I am going to call back today, but this is completely ridiculous. What would I have done if I didn't have the money to float this? My credit would be impacted. I have called I think 5 times at this point and every single time I've called I've been given incorrect info and told to do something else. The last time I even demanded a supervisor and she told me that after the inspection it would take them XXXX business days to release the check, which she would put in the request to overnight. That was XXXX weeks ago. Their process has to change. They have literally been holding my $ XXXX for XXXX weeks at this point. Is that even legal?
Product: Credit reporting or other personal consumer reports

Hard inquiry on XX/XX/year> from factual data, I did not request or authorize this hard inquiry.
Product: Mortgage

XXXX sold my mortgage to Statebridge. I had a financial hardship and got behind, making payments by money order, and tried to work with XXXX over the phone to get caught up. When I called Statebridge on 3 occasions, the rep would not take my payment, citing either lack of information about previous verbal agreements I had made, or the need to talk to a supervisor and get back to me. Each time, I would wait two days and then call, and always I was told supervisor was reviewing. I said I was just going to make a payment over the phone, but was told it would not be applied to catch me up. I should have contacted a lawyer at this point. 
The last time I made a verbal agreement to catch up on payments, I asked for an email or written mailed account of the agreement, and did not receive it. But again when I called I was told no agreement was in place. I then received a foreclosure notice.
Product: Credit reporting or other personal consumer reports

On this day of XX/XX/24 I was reviewing my TransUnion consumer report and at that time I see I still have old and incorrect personal information along with addresses from 5 years or more. There is also different variations of my first and last name that is not correct this derogatory information is being reported without my permission or a court order. TransUnion policy doesn't supercede federal law.This is a violation of the FCRA the information being reported on my consumer report should be precise and accurate. I have attachments that will show the inconsistent information. There should only be correct precise information being reported on my consumer report.

1 ) address 1 ) name 1 ) Employment 1 ) D.O.B According to the FCRA when ever consumer reporting agency prepares a consumer report it " shall '' follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my credit report generated by Experian. Particularly, there are eight inquiries on my report that I DO NOT recognize nor did I provide authority to be made ( See attached copy of credit report ). To be clear, the inquires are as follows : XXXX XXXX XXXX, inquiry made on XX/XX/XXXX ; XXXX XXXX inquiry made on XX/XX/XXXX ; XXXX XXXX, inquiry made on XX/XX/XXXX ; XXXX XXXX, inquiry made on XX/XX/XXXX ; XXXX XXXX XXXX, inquiry made on XX/XX/XXXX ; XXXX XXXX XXXX, inquiry made on XX/XX/XXXX ; XXXX, inquiry made on XX/XX/XXXX ; and, XXXX XXXX XXXX, inquiry made on XX/XX/XXXX I have no business or open accounts with XXXX, XXXX XXXX, XXXX XXXX, XXXX, or XXXX XXXX. I do however have a checking account with XXXX XXXX XXXX and an active credit card with XXXX XXXX. Nevertheless on those specified dates, I did not have any interaction with any of these companies. When I called XXXX, XXXX XXXX, XXXX XXXX, XXXX, or XXXX XXXX, they said because they do not have any accounts with me, they could not have possible issued any inquiries for me or on my behalf. When I contacted XXXX XXXX XXXX and XXXX XXXX, they said they do not have a record of making any inquiries. 

By way of certified mail, on XX/XX/XXXX, I wrote Experian and disputed the foregoing inquiries. ( See attached copy of dispute letter with proof of service ) Having NOT received any notice or response from them regarding the inquiries, on or about XX/XX/XXXX, I called to check the status of the inquiry and spoke to a representative who cursed at me, not before hanging up the call. I called back and lodged a complaint against that representative, and of course, didn't hear anything back from them. To date, I have yet to receive any written correspondence from them regarding these disputed inquiries.
Product: Credit reporting or other personal consumer reports

Attempted to have inaccurate late payments removed.
Product: Credit reporting or other personal consumer reports

I have filed dispute over inaccurate personal information listed on my credit report. I have waited over 30 days and tried to give Transunion, XXXX and XXXX a chance to resolve this issue pursuant to 15 USC 1681s-2-b ( ii ). I filed a re-investigation, and still no lawful response Transunion, XXXX and XXXX has chosen to violate and ignore the statues of the Fair Credit Reporting Act.
Product: Vehicle loan or lease

My car is with us auto sales. And the company close down for good. And they planning on taking my car even if I'm making payments
Product: Checking or savings account

On XX/XX/2023, I logged into my USAA checking account. I discovered that {$30000.00} was missing from my checking account. I called USAA and they stated that I had requested a transfer to another members checking account at XXXX am. They summarized it as a transfer from my account ending in XXXX to an account ending in XXXX in the name of XXXX XXXX. I informed them that I had not made this request. They also told me that the account ending in XXXX was missing from USAA at XXXX am that same day. 
On XX/XX/2023, I received an email from USAA telling me that they no longer wanted to maintain a banking relationship with me. They closed my account and cancelled my credit card. I had other funds in that checking account that I no longer have access to. I also had automatically deposited my military pension check, my wifes retirement check and social security checks. I was unable to get these deposits rerouted without warning. USAA has kept all these funds. I have not had a cent to live on. They are reportedly freezing all my accounts for 60 days during their investigation. I have tried calling to get this corrected but just keep getting routed to phone support in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not gotten any help with this matter. 
I was told that they had experienced a data breech in XXXX of 2023, my account was XXXX affected. I had to borrow money from a neighbor to visit my wife in hospice. With my funds frozen I am unable to continue to pay for her XXXX care. USAA does not seem to care. XXXX a XXXX XXXX veteran that is unable to buy groceries. I tried visiting the bank office to see if I could speak to a bank XXXX, but they could not accommodate this request. 
My wifes care is {$4000.00} monthly and they will be charging me 10 % for late fees since I was unable to pay on time with my funds frozen. What can I do? Is USAA being reasonable.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Accounts on Consumer Report I am writing to formally dispute the accuracy of XXXX accounts listed on my consumer report. I believe these accounts are incorrect and request their removal. The details of the accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX  # : XXXX / XXXX - Amount : {$520.00} XXXX. XXXX XXXX - XXXX # : XXXX / XXXX - Amount : {$140.00} I have reviewed my records and can confirm that I do not owe these amounts. 

In accordance with the Fair Credit Reporting Act, I request that you conduct a thorough investigation into these accounts. I would appreciate your prompt attention to this matter and a written confirmation of the results of your investigation. 

Thank you for your assistance in resolving this issue.
Product: Credit card or prepaid card

This account was opened as a result of fraud. I am a victim of identity theft. 15usc1681b no permission to place on my consumer report. I am not a XXXX member so please shut this card down. I am not in the military either.
Product: Debt collection

I called to contest the validity of the debt. The collection agent, XXXX XXXX, Operator ID XXXX, indicated that she would not indicate that I was contesting the validity of a debt unless I " proved that I did not owe it '' and that " the company will document that you owe the debt and it will just go back to collections. '' I felt this was misleading, coercive and abusive and in violation of my right to contest an invalid claim of debt against me. I am being charged by XXXX for a month of service when they never connected me, and I cancelled. This operator, instead of marking my account as dispute, attempted to strong arm me into paying even though I had just explained that I would not pay for services I never received. She talked over me, interrupted me, and misrepresented my statements rather than file the dispute as she is supposed to. I spoke then with her supervisor, XXXX XXXX XXXX, who also misrepresented the sequence of events and indicated that I had simply flatly refused to pay rather than validly disputing the debt. He later relented, but only after he raised his voice, talked over me, interrupted me repeatedly, and took a very condescending, offensive and abusive tone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need someone that can help me, I am deeply upset about all these erroneous items that are reporting incorrectly on my credit report. These accounts are unverifiable, invalidated, inaccurate, & FCRA violations, I demand to see verifiable proof ( an original consumer contract with signature on it ) If everything is not reporting 100 % accurately it must be removed. These inaccurate items on my report are causing me distress, I can not get a vehicle or apartment for me and my kids. It is my understanding that you will do an investigation immediately & you will send me a new credit report that reflects the updated changes. According to law, unverifiable inaccurate accounts must be removed and if you are unable to provide me a copy of the verifiable proof in 15 days after your investigation you must remove the account.
Product: Mortgage

In XX/XX/XXXX I began the process of refinancing my home with Fifth Third Bank. All along I have checked in on the status because of the length of time and was assured that everyone was very busy but there were no problems and the refi was moving along. In XXXX, nearly 6 months later I was informed because of the lady bird deed on my house, the refi could not be done unless it was on file with the county that my home had been deeded out of my trust ( not just signing paperwork but on file with the county which takes another 10 weeks XXXX, then I would need to begin the 6 month refi process again. 
They had the title for 5 months and no one reviewed this while I was told when I checked on status there were no problems. On XX/XX/XXXX when i was informed of the above problem with my deed, I began the process of refinancing with another bank. I was able to lock in at XXXX instead of XXXX interest rate and it finalized on XX/XX/XXXX, a total of approximately 3 weeks. While I can accept that banks have different guidelines, it is unreasonable for Fifth Third to notify me after having my deed for nearly 5 months that they could not complete my refinance without me filing my ladybird with the county and starting the refinance process all over again and waiting 6 more months! 
I tried to stay loyal to the bank that had my existing mortgage and unfortunately it cost me not only 1 % interest rate but the {$390.00} appraisal fee that they refuse to refund. I did not think a refund of the {$390.00} appraisal fee paid on XX/XX/XXXX via my debit card was unreasonable for services that could not be performed. Below is an outline of the attempts I have made to resolve this matter. I also have saved my email correspondence should you need it. 
XXXX XXXX-Began refinance with Fifth Third Bank XXXX-informed title would need to be changed, filed with county and after approved refi begin again. 
XXXX XXXX was to forward my request for appraisal refund to management. No one from bank contacted me. 
XXXXSent email to several members of Fifth Third Bank what happened above and the manager XXXX XXXX replied she would forward to mortgage dept. No one from bank contacted me. 
XXXXStopped in bank and saw XXXX XXXX. She was apologetic and sent another email to the mortgage department regarding the refund. No one from the bank contacted me. 
XXXXI sent another email to XXXX XXXX asking for update. I heard back from a XXXX XXXX or XXXX XXXX in the mortgage department that said I was not approved for the {$390.00} appraisal fee refund. When further discussed he said it was simply his job to deliver the news. He did not have to agree with it but there was nothing he could do. I can not believe a large bank would do this to a customer that tried to give them their business. They were not able to complete the refinance after 6 months and I do not think their decision to keep my appraisal fee for a refinance that could not be completed by them is fair.
Product: Credit reporting or other personal consumer reports

I am reaching out regarding an item on my credit report that is not in compliance with FCRA guidelines and does not meet the standard of maximum accuracy required by law.
Product: Debt collection

Repeated calls 3 to 4 times Daily includin Weekends, for the past 3 years! 
PORTFOLIO RECOVERY continues to ignore my requests to stop calling me!!
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Experian : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for XXXX and XX/XX/XXXX are inaccurate. My payment history reflects consistent on-time payments, and I have been enrolled in autopay for this account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Summary of Errors and Discrepancies : The account reflects late payments in XXXX and XX/XX/XXXX, which are inaccurate. 
Payment history should reflect 100 % on-time payments. 
The discrepancies misrepresent my creditworthiness and violate consumer protection laws. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have tried to contact this company regarding this debt. They have not contacted me by phone, email, or any other means. I want to have an official invoice so I know that this is the correct company to which I owe the money. I want it removed from my credit report since I have received no communication from them and have not been given a fair opportunity to settle this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a formal complaint against Equifax for violating my FCRA rights and my rights to privacy. Equifax has refused to do a proper investigation on the accounts in the attached dispute letter. They have either not responded to me or sent me letters stating they don't think it's me disputing my own accounts. I am asking for your assistance to help me get these accounts removed or corrected on my reports. Thank you for your timely and aggressive assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX who is under a loan servicer called XXXX XXXX have incorrectly reported incorrect information on all three credit reporting agencies. They reported that I was 120 days past due with my loans, which I am current. I have been paying my student loan payment of {$76.00} every month, which I have proof that it has been taken out every month for about 4 to 5 years. Two weeks ago, they reported incorrect information on my credit report that I was 120 days past due, which I was not and I am on the phone with them now and they do not know why that happened. They caused my credit score to decrease to almost 200 points from an XXXX. I am HIGHLY upset because the company had a system error or something. I want this correct immediately.
Product: Debt collection

The failed under the FDCPA and FCRA to notify me about my right as required by the law, so I can dispute and ask for validation. Also the debt it not mine. In XX/XX/XXXX I was contacted by XXXX collection agency about the same debt, I asked for validation they was not able to proof that, so the sale the debt to diversified consultants. The debt it for XXXX but diversified consultants stated in my credit report that its 2 month old debt, this is misrepresenting of information which is violation also.o send them a letter asking them to delete the account from credit bureau, but they failed to respond. I have no idea about this debt it not mine. I need your help to investigate on my behalf to them and credit bureau. It a XXXX debt
Product: Checking or savings account

I use XXXX XXXX to help budget but PNC does not like to release my recent transaction reports to allow me to actually use XXXX XXXX.