23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law.These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted I was in class rated in XXXX XXXX XXXX. I called the number during daytime and talked to XXXX XXXX. He stated that I was evicted from an apartment XXXX. I told him that I was never evicted from no property and then if I was my grandmother took care of the bill but she is deceased now and I have no record that was the end of the conversation several years later, I got a notice in the mail, stating that theyre going to garnish, massive wages in XXXX wages whenever garnished nothing ever came about it XXXX XXXXWe got a letter from his work stating they are garnishing your wages and Ive been trying to fix it ever since. I contacted the sheriffs department and the court from the paper that was sent to me. They were both closed during pandemic. I figured that it was fraud. I talk to XXXX XXXX again. He has me to remember talking to him. I said yes I told him that I did not have an eviction from XXXX he did not, believe me, I sent them a letter asking for proof they sent me a renewal for judgment. I called them to ask them to have a settlement they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent your agency a dispute document requesting an investigation on inaccuracies appearing on my credit report I received your response and the following inaccuracies remain on my credit report. It is my right to have an accurate credit file and errors like this are detrimental to my financial well being. According to the fair credit reporting act section 607 I am entitled to a complete and accurate credit report the item listed below is not accurate nor correct therefore in violation of my rights under the fair credit reporting act therefore must be removed immediately. 
The Account XXXX XXXX XXXX is listed as charged Off as of XXXXAccording to Law 15 USC 1681 ( a ) a creditor asking you to pay a debt after charged off and they have filed a 1099-c is Tax Fraud and direct violation of Law and my rights. Please REMOVE immediately. 

The Account XXXX XXXX XXXX XXXX  is listed as charged Off as of XXXXAccording to Law 15 USC 1681 ( a ) a creditor asking you to pay a debt after charged off and they have filed a 1099-c is Tax Fraud and direct violation of Law and my rights. Please REMOVE immediately. 

Once again I am notifying you that this item is not reported correct. Section 607 states you must ensure maximum accuracy of the information contained in my report. 
Please respond and remove promptly. I prefer that we both avoid pursuit of my rights under 15 USC section 1681m and 1681o, which requires your compliance with the law. 
Please send updated copy of my report and score once completed!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX Collection/Charge Off XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX, Account # XXXX Charge off is considered a certificate of indebtedness, and is filed on 1099C form with IRS, there for is considered income. Income does not report on credit report, and it must be removed.
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 15.U.S.C 1681 section 602 A states I have the right to privacy.

15.U.S.C 1681 section 604 section2 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX ( XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MI XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MI XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX ( XXXX )
Product: Debt collection

Since on or around XX/XX/2017 I have received negative reporting on my credit from XXXX XXXX who has now sold to Diversified Consultants Collection agency which claims I owe a Debt in the amount of {$260.00} from Original Creditor XXXX XXXX XXXX They have refused to provide me with details, account information or why this debt is owed since I closed an account with them in 2017, paid a final bill and returned equipment. I have attempted to dispute this with the major credit bureaus but they have no resolution or answers to provide me with substantial evidence for this debt. Diversified continues to report derogatory remarks every three months and continues to put it as a NEW debt and New Collection. They are not communicating other than bad reporting on my credit and will not provide proof of my owing this debt. I would like resolution to this harassment and false reporting and action to be taken on them but I am forced with a hardship of having pay for a lawyer to cease the derogatory and false reporting. 

A collection account is considered a continuation of the original debt. It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. This agency persists in reporting old debts with updated activity dates. This has gone to multiple collection agencies and not one has provided a valid proof of debt or documentation.
Product: Credit reporting or other personal consumer reports

This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my XXXX score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high XXXX score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.
Product: Credit card or prepaid card

in XXXX i had a credit balance of XXXX, and according to THEIR statement no minimum payment was due. got my XXXX. statement and i had a balance of XXXX with a minimum payment due date of XXXX min payment XXXX they have been declining transactions and added a XXXX past due payment.
Product: Checking or savings account

I have US bank checking account and line of credit account for several years. The reason I keep the checking account is making payments to my line of credit. Last year I never used any balances from my line of credit so I didnt deposit any money into my checking account. Several days ago I got XXXX mails, and one mail showing I owe {$90.00} dollars annual fee and {$60.00} late fee on my line of credit account, and another mail showing the banker closed my checking account because it overdrawn the account to pay {$90.00} which I owed the annual fee on my line of credit, and I also had to pay extra {$65.00} and no reason showing on the mail. So initially I only owed {$90.00} but one the end I paid almost {$300.00}! The bank charged me {$90.00} on both the checking account and line of credit account. The bank also failed to sent me any notification before closing my account and charging me late fees. And I called the banker several times nobody gave me a correct answer. I called the customer service they said call mortgage and I called mortgage they said call checking account. I called checking account they said call customer service!!!
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed.Also this as well.thanks hard inquiries XXXX XXXX - XXXX  XXXX VIA DEALER XXXX XXXX - XXXX  FINANCIAL XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXE XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX FINANCIA XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX - XXXX  XXXX VIA DEALER XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX AUTO XXXX XXXX - XXXX  FINANCIAL XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XXXX  FINANCIAL XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>- XXXX XXXX XXXX XX/XX/year> - RESIDENT VERIFY
Product: Checking or savings account

On XX/XX/2022, I wrote check # XXXX in the amount of {$2500.00} from my checking account with Fifth Third Bank. I put it in the U.S. Mail from my law office. I check my account online daily, and I noted that this check cleared my account ( and the funds were deducted from my balance ) on or about XX/XX/2022. ( The bank records indicate that this check " posted '' to my account on XX/XX/2022. ) I therefore did not pay further attention to it. 

Several weeks later, the payee asked if I had sent him this check. When he said he had not received it, and I re-examined my account, I clicked the hyperlink that showed me the image of the check. The back of the check was indorsed by TWO people, rather than the single payee on the front of the check. I promptly reported this to Fifth Third and physically went to a bank branch to submit a fraud report on XX/XX/2022. 

Since that time ( after many weeks ), I learned that XXXX XXXX XXXXXXXX had honored the check and was told that because XXXX had so many problems with fraud, it could take up to 180 BUSINESS days to resolve the issue and refund my money. 

I have been in regular communication with the banker that took my fraud report. She states that she has no other information and could not give me any other person to discuss this with. I subsequently talked to her supervisor -- months later and after 6 telephone calls -- and she continues to give me the same information. She told me that this had been escalated again and that HER supervisor would contact me. He has never attempted to do so. 

After six months of making this my problem, with no resolution in sight, I have been given no choice but to file this complaint. I previously informed all of the bankers that I spoke with that I would be doing so. No one has cared enough to return my call since then, much less resolve the problem. I have also informed the bank that I intend to file a Complaint in Small Claims Court, which I intend to do.
Product: Money transfer, virtual currency, or money service

Case # XXXX I created an account about a week ago. I provided multiple documents ( Drivers ID, Employment Card ) and a selfie to verify my ID. My account was then verified. Even after this process buys and deposits have been 'Disabled ' since the creation of my account. I went through the proper channels to fix these but was told that specialists would look at my case. I reported the problem a day or so after creating the account but haven't herd back. This happened to me before with a previous account that I ended up just closing after not getting a response for weeks. The date of this complaint is XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep DISAPPOINTMENT with your recent claims regarding my accounts. I AM REJECTING THESE CLAIMS ON THE BASIS THAT YOU LACK ANY MATERIAL FACTS OR EVIDENCE to support your assertions. As a result, I strongly urge you to initiate a thorough investigation into these matters without delay. Your claims have cast a shadow over my financial standing and have the potential to cause severe harm to my creditworthiness. It is imperative that we resolve this situation promptly and accurately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts immediately.
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX Part XXXX Family Education Rights and Privacy, the credit agencies XXXX, Equifax, and XXXX are listing my confidential information regarding student loans on my credit report without my written authorization. The XXXX of XXXX Regulations state that a third party must obtain " written authorization '' from a student to share confidential information from an educational institution. 

XXXX is currently being sued by the CFPB for failing to handle disputes properly ( XXXX XXXX. XXXX ). Please see that this complaint reaches them.
Product: Mortgage

Reason : Flood Insurance In early XXXX I received a letter from Round Point, stating " Due to flood map revision issued by FEMA '', my property was now required to carry flood insurance. This letter was dated XX/XX/year>. The letter also stated the following " If proper evidence of acceptable flood insurance is not received within 45 days OF THE DATE OF THIS NOTICE, we ( RP ) will purchase coverage at your expense effective XX/XX/year>. First issue, letter was dated and sent to me after I could fufill my obligation to RP/FEMA as the home owner, BUT the letter did read 45 days of the date of this letter. I was then notified by letter dated XX/XX/year> that RP had not received the insurance information perviously requested and they ( RP ) had purchased a flood policy for me. When I called I was bounced better XXXX departments ( XXXX people ), which ultimately spoke to a women by the name of XXXX ( supervisor ). I emailed her the fax confirmation and policy that I had purchased, which they said they never received, but she did verify the number on the fax submittal was correct ( second issue ). This policy was bound ( XX/XX/year> ) within 31 days of the 45 day window. She then explained I was responsible for LAPSED coverage from XX/XX/XXXX - XX/XX/XXXX based on a rate of a policy RP put in place for {$3600.00} annually. Average policy for my dwelling is $ XXXX {$600.00}. The estimate lapsed coverage was going to cost {$400.00}... This is price gouging and simply not living to their initial communication. This is unacceptable that I am being held accountable for a mishandled, miscommunicated issue by Roundpoint ( third issue )! I clearly fell within the guide lines of Roundpoints initial communication. Lastly, Roundpoint needs to provide FULL transparency and provide the FEMA communication to them! Please call or email for additional supporting documents.
Product: Credit card or prepaid card

Barclays Bank of DE sent me a letter on XX/XX/XXXX, informing me that they have reduced my credit limit. There reasoning was high utilization rate on revolving credit. <P/>There decision is in beach of our contractual agreement and they have acted in " bad faith. '' First - anyone in the industry of financial services ( and I am ) knows that Barclays is in financial trouble and its regulator is bearing down on them. <P/>Second - I have a XXXX FICO and my household income is in excess of {$250000.00} a year. I certainly can service my total debt amount. <P/>Third - as a result of Barclays action my FICO has been negatively impacted. <P/>Barclays is the one in financial trouble - not me. The company should not make their problem mine. <P/>I seek a reinstatement of my credit limit of {$11000.00}, else I will seek other legal and financial remedies. <P/>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Received a collection notice from ACI regarding a debt for XXXX. I contacted ACI around XX/XX/2019 regarding the debt. Then followed up with a letter on XX/XX/2019 certified with no response. I also sent a certified letter to XXXX with no response.
Product: Mortgage

On XX/XX/2022, I contacted my Loan servicing company ( PennyMac ) and submitted an application for a cashout refinance program, to remove my MIP and escrow from our current FHA loan. I submitted all the necessary documents timely for review and consideration. We worked hard for months to pay off all of our credit cards, loan amounts, and any outstanding issues that could be problematic in preparation for the new loan. We were led to believe, due to the amount of equity available, ( greater than 60 % ) we would entertain the maximum cashout we would qualify for. We received the ( LE ) Loan Estimate with a preliminary rate of 4 %. Additional documents were required to qualify for the maximum loan amount to maintain our DTI under 49 %. We specifically advised the loan officer although we are interested in the maximum loan for cash out, we would consider a lower loan we would qualify for, excluding escrow. Our total income submitted for the loan is over {$160000.00}, with no credit card and auto payments, with a middle credit score of XXXX. We believe the loan was denied because we insisted to proceed without escrow. We were never offered a lower loan amount, which we told the loan officer we would accept if our DTI ratio would not qualify for the maximum cash-out. I would like for your office to fully investigate my complaint for closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get this resolved with transunion countless times in regards to the inquiries on my report. Customer service was of no help. I was a victim of the inquiry issue they had and they put the inquiries back on my credit file without notifying me by law. I want them removed. 

XXXX XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX TOTAL 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 of XXXX XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act convergence numbers have violated my rights. 
15 U S C 1681 602h, I have the right to privacy 15 U S C 1681 604a section 2, Consumer can not furnace a account with out my written instructions. 
XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX
Product: Checking or savings account

This is a complaint to follow up with my previous complaint number XXXX I am adding to that complaint to further explain my frustration with USBank. When you pick a bank out of all the banks you have the expectation that they will respect your privacy and rights as a customer. The Electronic Funds Transfer Act ensures that if the fund transfer is " unauthorized '' the bank has to correct any errors within one day from confirming the error, this includes refunding the money taken without authorization. It was confirmed to be via phone that the charge is confirmed fraud. Such a large charge should have NEVER been allowed to be removed from my account. The bank recognized it as suspicious activity by immediately locking my account, but never stopping the transfer. USBank should be responsible for always monitoring transactions especially ones they recognized as fraud. Banks show that they care about their customers by not allowing transfers that are considered unusual or suspicious to be authorized. A person committing fraud is not the customer 's fault. The Bank to solve these issues must 1. Promptly investigate the reported errors AND report its findings withing three business days of completing the investigation. I still as I'm writing this complaint have no idea why the bank has both denied my request, while also admitting the transfer was fraudulent. Even if the bank believed the money transferred was authorized by me it is their burden to prove that. I am writing this complaint to further my investigation of this. The bank claims that its out of their hands, but what's actually happening is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion regarding a XX/XX/XXXX bankruptcy chp XXXX. I informed them that this was not my information. I had a chp XXXX that was removed in XX/XX/XXXX the chp XXXX is now reporting as verified. I contacted the court house and they did not provide this documentation. They did find a chp XXXX in the I formation. I have challenged this information 4 times this year. Information is fraudulent and must be removed. Also Transunion reps refuse to remove information they have not researched.
Product: Checking or savings account

Truist has hidden the FACT that my account was hacked at least {$5000.00} around XX/XX/2023. My car payment was not processed due to insufficient funds although there were sufficient funds per my records and on theirs via phone conversations and past bank statements. On XXXX XXXX XXXX, they alerted me of fraud. Over the phone they admitted my account was hacked/compromised and refused all along even with XXXX forms of photo IDs at several branches in XXXX XXXX to provide me online banking access. The bank closed the account, credited me overdraft fees that should have never been assessed, and only printed INCOMPLETE bank statements for XXXX and XXXX, omitting the dates when the account was depleted of funds by a hacker. Even while at my visit to XXXX of the branches I heard XXXX of the bankers say how much did they take meaning someone else pulled out the funds, and that my phone had a virus and that THEY could see everything!! I did noticed that and from a XXXX man I had met called XXXX, a known criminal as a later found out, and the one that was first in question the first time I went to the branch to unlock my online access. They claimed my XXXX transaction was done somewhere else than where it actually occurred!! Preposterous! Now they claim recently that they can not provide me with any bank statements because they closed the account WITHOUT MY APPROVAL and they actually had REFUSED to let me close the account while I still had funds! This has caused me insurmountable pain and anguish, losing my business, my car, and now Im homeless because of their utter lack of transparency and occult practices!