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

FCRA requires consumer files accurate and complete. Want account to list on credit report entire payment history & updated status ; date account was opened and closed ; credit limit ; high credit limit ; balance, high balance ; list in payment history section year and month payments were 30,60,90,120,150, 180 days late and charged off date. 

XXXX XXXX XXXX informed me that account is owed by them effective XXXX. And XXXX does not own account, however account is 100 % inaccurate. 

Attached is document from XXXX XXXX XXXX stating their ownership. 


Congress was clear that credit reporting companies and furnishers have responsibilities with respect to accuracy with no exceptions for legal issues. 

the CFPB, together with the Federal Trade Commission ( FTC ), filed an amicus brief in Sessa v. XXXX XXXX XXXX LLC, a case in which a consumer sued XXXX, one of three nationwide credit reporting companies, for violating the FCRA. There is no dispute about the facts : XXXX reported on a consumers credit report that she owed nearly {$20000.00} on a car lease that she actually didnt owe under the plain terms of her lease. 

The consumer sued XXXX, arguing that it had violated the FCRA by failing to have reasonable procedures to assure the information on her report was accurate. XXXX argued that it couldnt be responsible for failing to do its duty because the error was legal rather than factual. XXXX also argued that the incorrect information couldnt be inaccurate because it was provided to XXXX by the company that financed the lease. 

The brief filed by the CFPB and FTC points out that the FCRA does not contain an exception for legal inaccuracies. Rather, the law commands credit reporting companies to follow reasonable procedures to assure maximum possible accuracy. While XXXX argues that the inaccuracy on the consumers credit report was based on a legal dispute, the error was simple and straightforward : XXXX reported that the consumer owed money that she clearly did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : 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: Credit reporting or other personal consumer reports

I have sent many prior requests to your company to reinvestigate these inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : I have tried to contact every one of the company listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I paid off my loan to XXXX around XXXX. They have reported that info to XXXX and they have updated my credit report. Equifax and XXXX have yet to update my credit report, even though I have submitted at least XXXX disputes, providing the info to them that the account is paid in full. At one point they removed it from my credit stating it was paid in full, but then put it back on my credit report a few days later. I decided to reach out to XXXX to see if they could reach out to the credit reporting agencies and they say my account doesn't exist since it's been paid in full. I have submitted proof to the reporting agencies showing that my loan is paid in full. I got the loan pay off letter in my email from XXXX when I paid off my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX and Experian to request items on my credit report be deleted. The accounts were two XXXX accounts. I was told the deletions will take place within 24-72 hours. The deletions did not occur and the accounts were " updated ''.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX, I am writing to formally request that you correct the reporting of late payments on my account, in accordance with the arbitration release and settlement agreement between myself and XXXX. As part of the settlement, XXXX explicitly agreed to remove all late payment entries related to my account from my credit reports. 

However, despite this agreement, late payments are still being reported by TransUnion on my credit file. This continued inaccurate reporting is negatively impacting my credit score and is in direct violation of the terms agreed upon in the settlement. 

I request that XXXX immediately take the following actions : Ensure that all late payment entries related to this account are removed from my credit report with TransUnion and any other credit reporting agencies. 
Provide me with written confirmation that these corrections have been made. 
Please correct this issue within 30 days of receiving this letter, in order to comply with the terms of the settlement agreement. If the matter is not resolved promptly, I will be forced to pursue further action.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent ( account 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 written instructions
Product: Mortgage

I applied for a refinance XXXX fixed loan through eratesmortgage. Their broker XXXX XXXX XXXX has worked with me and we locked the rates at 2.75 % with lender credit {$2200.00}. After that, a man named " XXXX XXXX '' from the Finance of America Mortgage LLC started to process my files and coordinated all the process. 

During the process, I submitted all their required materials in a very short turn around time ( submitted in the same day or next day ). And I kept checking with XXXX and XXXX to make sure my process was going well. However, due to their low efficiency, they told me on XXXX/XXXX/2016 that my rates lock period has been expired. If I want to continue the process, I have to sign a contract that they will change my lender credits to {$1700.00}. 

Every time when I checked with them about the process, I made it very clear in several emails that " please speed up your process and make sure I can close on time ''. Also, I stated in a handful of emails that " I will not accept any change of the rates and lenders credit I have locked ''. In addition, I have already paid them {$490.00} for the appraisal. My credit have got pulled by them as well. Not to mention the time and effort I have spent on this case. 

After they changed my rates ( lender credits ), I have asked them to fix it right. Because as a business, you can not let your customers pay for your faults. But things turned out to be very disappointing. First, XXXX never replied my emails. Second, XXXX told me it 's not his job to make my closing on time. XXXX also listed reasons like appraisal company, title company, and etc are not working for us. He sent me a timeline and told me that he thought he did everything on a timely manner, unfortunately my rates lock was still expired. 

All these unreasonable arguments make me very confused. I thought XXXX was suggesting that his company offered me a good rates and lender credits within a time window that the customer for sure could not be able to close the deal on time. Even though the rates they offered were very attractive, but they know it from the very beginning that I have no way to get it. Then they can let me to sign a contract with much higher rates! If I did not ask them, they will never tell me that my rates already changed from the documentations. 

I am very disappointed of there companies and I feel that I have been tricked. Besides pointing figures, they never offer any solutions to solve the problem. It 's the business ' responsibility to make the customer get what he quoted provided the customer finished his due diligence.In addition, XXXX is the one who coordinated all the process. And the process got delayed and as a customer I suffered financial losses, who should be responsible for it? 

I am also curious that is it planned at the very beginning for all their business? i.e. offer you a good rates to get your business ( then you will not do business with other companies ), but after 45 days they will let the rates lock expired and then ask you to sign for a higher rates??! 

I urge for justifications and clarity, especially for the compensations of my financial losses.
Product: Debt collection

Hi im writing to you regarding this company again for the 3rd time. the company name is Critical Resolution they continue to harass me regarding " debt owed '' they threaten to take you to jail, curse at you, over talk you, threaten to contact and come to you work, and have called 5 people in my family regarding this matter. i have asked them to stop calling and only contact through mail if this is a real deal situation. they threaten to sue me and arrest me. i can not continue to have to this happen. I know my rights as a consumer and tell them i know the laws and they just laugh at you. please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Us Dept of Vets is reporting on my credit in error. They made the mistake and it was fixed so it Should be deleted. They're incorrectly reporting on accounts : # XXXX, # XXXX, # XXXX
Product: Credit reporting or other personal consumer reports

The company reported to credit bureaus on XX/XX/23 and showing on all 3 agencies Letter was sent on XX/XX/XXXX regarding 15-U.S Code 6802 law
Product: Student loan

student loans that is under my record which I haven't had no student loans. I had call the company and they say they will erase it but they haven't. I need them to check whos identify thief of my information
Product: Debt collection

I have been receiving phone calls from Portfolio Recovery Associates for more than four months. As I have never had an unpaid debt, I figured these calls were some type of scam or fishing tactic. But as the calls were unrelenting, I spoke to one of their representatives who quickly determined that I was not the person they were trying to reach. They assured me that they would update their records and stop calling me. This was several weeks ago and I am still getting calls from them. I also received an unsolicited letter from an attorney that indicated a collection suit may have been filed against someone with my last name and MY personal address. I do not know the person being sued, but I am very enraged about having my personal phone number and physical address being associated with this collection attempt, simply because we share a last name. Obviously, there was no vetting involved before erroneously tying me to this collection effort.
Product: Credit reporting or other personal consumer reports

For false information appearing on my credit report, I filed disputes with XXXX, Equifax, and XXXX. I informed them of their violations to my consumer report and provided a list of the accounts. They have not responded in excess of 30 days. All of the letters that were sent are attached below. 

By failing to mark this disputed account as disputed, this company has violated FCRA 623 ( a ) b ).

Since this account 's last activity date is reporting, 605 ( c ) is operating if the period has also been broken. The last date on which a payment was made should be reflected.

The Federal Trade Commission believes that this company has consistently neglected to verify this collection account, thereby breaching FDCPA 809b.
Product: Student loan

I cosigned a loan which was later settled. After settlement, the originator ( Access Group ) improperly put the account into collection multiple times. Collectors contacted my family members regarding the account. The collection account was put on my credit report. 
XXXX other Access Group accounts associated with the same student, which I did not cosign, were also improperly put into collection in my name and put on my credit report. 
I have been able to get the accounts removed from my credit report after informing the collection agencies, but these accounts should never have been put in collection or on my credit report in the first place.
Product: Checking or savings account

My wife and I have a joint savings account with Marcus by Goldman Sachs. We did not know that XXXX can not perform wire transfers to external accounts. We were closing on a house so I transferred XXXX through the online feature and then requested to send the remaining amount over the phone. XXXX did not complete this transaction requiring my wife and I to borrow money from a relative. I was then unable to transfer money through the app and was told that my account was locked indefinitely. I am now unable to access over XXXX including the amount that I borrowed. In addition, I have automatic deposits and withdrawals from these accounts and we can not wait indefinitely for this issue to be resolved.
Product: Credit card or prepaid card

I applied for a Penfed Credit card and received the card, but never activated the card. When I received the first statement, I noticed a charge on the card that I had not made. I contacted Penfed and told them of the fraudulent charge. I was connected with the fraud department and was told the concern was handled. I received a second statement and realized the fraudulent charge had not been removed as stated by Penfed that it would. Also, the statement now showed an overdue balance with service charges. I contacted the company a second time and was on the call over an hour as I was shifted back and forth between customer service and the fraud department. I assumed the issue was resolved. A third statement arrived with additional service charges and past due amounts. On XX/XX/XXXX, I spoke with XXXX who reached out to another department for help. XXXX called me on XX/XX/XXXX to tell me she had not heard back from the department for help and she would contact me when she did hear back. No call back from XXXX. I received a letter stating my account was in arrears. I contacted the collection department and was told that to keep my card from being closed, I could pay {$30.00}. ( The original fraudulent charge was {$3.00} ). I paid the fee, since I did not want my credit rating to be affected by this. I then received a letter stating my account had been closed. I am now being told in order to rectify this concern, I will have to pay the original membership fee and all delinquent charges. I have tried in vain to bring this to closure, but the company will not work with me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion violated 15 USC 1692c ( b ). Under 15 USC 1692 - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

This law states that a debt collector isnt allowed to communicate with any person other than the consumer and his attorney without the prior consent of the consumer given directly to a debt collector, or the express permission of a court of competent jurisdiction and the court doesnt disclose information with the bureaus. Also, me or my attorney never gave Transunion any permission to communicate with anyone regarding my personal information. This is identity theft. Also, I am the original consumer so only I can give prior consent to a debt collector. How am I the original consumer? I was loaned my own money from my social security card. Want proof? The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction I am complaining about.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX {$220.00} XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I lived at XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX ( Contract Dates ). 
I actually left on XX/XX/XXXX XXXX XXXX days after ). I had notified the apartment few days prior to my move-out day that I had an emergency that would make me stay a few days after.. 
I cleaned the apartment thoroughly before I left. I took and still retain video record of the apartment just before I left. The room was in sparkling condition - No broken blinds, no scratched walls, and no ripped carpets. See attachment for breakdown of these fees as provided by the debt collection agency. Due to file size concerns, I have attached a compressed copy of the move-out video recording. I would happy to provide the original copy, if requested for evidence. 

Subsequently, the property management company XXXX XXXX XXXX Apartments ) wrongfully used my deposit to renovate ( remodel ) the unit. And further charged me XXXX months rents for leaving the property XXXX days late. This is wrong, unfair, and unjust. 

XXXX XXXX Apartment XXXX XXXX XXXX Company ) is now going through the National Credit Systems , Inc. ( Debt Collector ) to recoup the rest of the frivolous charges from me.
Product: Mortgage

UPDATE TO COMPLAINTS ALL OF WHICH THE DEFENDANT HAS FAILED TO COOPERATE & ANSWER WELLS FARGO CONTINUES FALSE NARRATIVE FOR THE SOLE PURPOSE OF INFLATING FALSE INCOME THERE IS NOT 1 ENTITY THAT SUPPORT THE CLAIMS THAT WELLS FARGO CONTINUES TO EVADE IN THE ATTEMPT TO INFLATE MONTHLY MORTGAGE BY NEARLY {$200.00} A MONTH FACTS : 1 ) WELLS FARGO IS BILLING DOUBLE INSURANCE OF STRUCTURE- AS THE MONTHLY HOA DUES COVERS THE STRUCTURE AS WELL- THAT " A DOUBLE WHAMMY! 
2 ) XXXX COUNTY HAS INDICATED THAT THE TAX AMOUNTS IS RELEASED ONCE A YEAR. WELLS FARGO HAS CLAIM TO HAVE TO INCREASE ESCROW BECAUSE OF INCREASE IN TAXES- TWICE A YEAR 3 ) THE TAXABLE VALUE USED BY WELLS FARGO IS EXCESSIVE & AGAIN NOT AGREED TO BY ANY OTHER ENTITY. 

WELLS FARGO MUST REFUND A N EXTREMELY LARGE REFUND FOR THE EXCESSIVE INSURANCE, HIGHER THEN REALISTIC TAX & PROPERTY VALUE IMMEDIATE THIS MUST BE INCOOPERATED & SUBMITTED MONTHLY TO THE PROPERTY ADDRESS AND NO LONGER PAID BY AUTOMATIC BANK WITHDRAWN THAT WAS AGREED UPON WITH XXXX XXXX, ETC.- NOT WELLS FARGO WELLS FARGO HAS NEVER REIMBURSED FOR THE EXCESSIVE COSTS INVOLVED IN 2 MORTGAGE PROGRAMS IN WHICH WELLS FARGO WILLFULLY SOUGHT TO HARM THE APPLICANT. 

THESE PROGRAMS HAVE BEEN FULLY DESCRIBED IN PRIORCOMPLAINTS TO INCLUDE THE LOSS OF {$1500.00} IN EARNEST MONEY WHEN WELLS FARGO FAILED TO CLOSE ON TIME. WELLS FARGO AGRESSIOUSLY HARM THE APPLICANT WITH FALSE NARRATIVE THAT TO DATE HAS COSTS THE APPLICANT OVER {$70000.00} IN REAL ESTATE TRANSACTIONS THAT MILLIIONS OF AMERICANS HAVE PROSPER FROM.
Product: Student loan

Navient said I owed money when my son was still enrolled in school.
Product: Credit reporting or other personal consumer reports

These two addresses are over 20 years old and need to be removed XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Checking or savings account

I had a checking account in PNC. The bank unilaterally decided to close my account with {$3200.00}, without properly notifying me. When I inquired the bank about my funds, they stated that a check was sent to an address in XXXX, instead of my address here in the XXXX. 
When I requested a copy of the check, the check was deposited by XXXX XXXX ( not me XXXX XXXX ) in Bank XXXX XXXX. 
I have submitted multiple complains to PNC Bank and they have not been able to solve the issue in over XXXX year. 
Based on my interactions with PNC Bank employees, I believe that XXXX or multiple employees from this bank must be involved on the issue and XXXX sure XXXX not the only person that has been affected.
Product: Vehicle loan or lease

I authorized Wells Fargo Auto Loans ( WFDS ) to pull my credit on XX/XX/2020. They pulled it. 

I did not authorize them to pull it again, but on XX/XX/2020, they did so anyway. This is negatively affecting my credit score.