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

To Whom It May Concern., This letter is a formal complaint that you are reporting inaccurate and incomplete credit Information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Account : XXXX XXXX XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX - Account # XXXX  - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX - Account # XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX XXXX - Account # XXXX This account is being reported inaccurately, please remove this from my credit report immediately. 


XXXX XXXX - XXXX - This account is being reported inaccurately, please remove this from my credit report immediately.
Product: Debt collection

Spring 2017, i was attending XXXX  XXXX XXXX downtown and i had to get out of school fast my son took deadly sick and later on passed, so i wasnt able to think about handling nothing dealing with school at the moment, so i appeal my decision and they approve it meaning that everything that happened on my record is reversed so i been trying to talk to conserve about this and they have had some very mean people to answer the phone about this so this is my only option to have this removed from my credit
Product: Money transfer, virtual currency, or money service

XX/XX/22 at XXXX XXXX  for {$240.00} I had money in my cash app account that I wanted to transfer over to debit card. When I transferred it was to an old closed bank account. So I contacted cashapp they said they could cancel to wait for bank to send it back so I waited. Nothing was deposited back. So I went to the bank they gave me a sheet with the rejected amount I forwarded it to cashapp they denied it and closed my case and said the bank recieved the funds but bank said no that it was rejected. Ive been trying to get an answer from cash app saying I needed more evidence. Closed my case about 4 times. I still have not recieved my money.
Product: Mortgage

I purchased a new construction home. I alleged that there was fraud in the origination and breach of warranty. HUD told me that I must make a HUD complaint through my lender. The lender is actively refusing to initiate the HUD complaint. They acknowledged receipt of my complaint to them and state they aren't the responsible party for initiating the complaint. This is contrary to my instructions from the government after contacting HUD. This is a clear breach of their fiduciary duties. They must assist in resolving the fraud related to the loan they hold and service. HUD will NOT work with me directly. 

They identify themselves as the loan servicer. HUD requires that the loan services initiate the complaint. They are attempting to shirk their duties while still getting paid. I did not choose Pennymac as my lender. They purchased my loan and forced me into being their customer. 

This is the lender 's own statement on the matter : Dear XXXX XXXX, I show your request regarding your complaint was addressed on XX/XX/XXXX with Customer Service. During your conversation, your request was forward to the retail department. However, the servicing of the above referenced loan was transferred on XX/XX/XXXX from XXXX XXXX XXXX to Pennymac. We are the loan servicer and we recommend you contact the original lender to see if they are able to further assist with this issue. You may contact XXXX XXXX XXXX directly at XXXX. For your review, the loan Closing Disclosure has been made available online in the Statements and Documents section of your on-line account. Please ensure to click on the " Documents '' tab. Thank you, XXXX XXXX, The Pennymac Team
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear CFPB, Subject : Inaccurate Late Payment Reporting for Account with XXXX XXXX  I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Equifax for account # XXXX with XXXX XXXXXXXX. These reported late payments are erroneous and do not accurately reflect my payment history, as I have consistently made timely payments through autopay. 

Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report is incorrect. My account was fully paid on time, and I was enrolled in autopay for consistent, timely payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : This inaccurate reporting of late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness and payment history. 
Potential Violation of Fair Debt Collection 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 ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information.

The 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 in consumer files.

Additionally, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions allow for damages, including actual damages, attorneys fees, and possible punitive damages for failure to comply with the Act 's requirements. 

Summary of Errors on Account The XXXX XXXX account shows discrepancies across bureaus, including incorrect 30-day late payments in XXXX for XXXX, XXXX and Equifax, despite on-time payments. High balance varies, with {$300.00} reported by XXXX and XXXX, but {$500.00} by Equifax. Dates of " Last Activity '' and " Reported '' also differ, and Equifax lists the account as " closed by credit grantor, '' while others show it as " paid. '' These errors misrepresent the accounts history and status. 

Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payment notation from my credit report. All entries should be updated to reflect my accurate 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 consumer rights. 

Thank you for your immediate attention to this matter. 

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

In accordance with the Fair Credit reporting act. Convergent account # 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 an account without my written instruction. 
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 card or prepaid card

Unable to add authorized user. Added an authorized user and accidentally mispelled the last name. So I went ahead and removed them, to add them with the correct spelling. Capital one is refusing to let me add them. They say once somehow has been removed, they can not be re-added. This seems like a completely arbitrary and illegal rule that no other bank that I've ever encountered in the United States has. Second of all, I am not re-adding the same person technically as the last names are clearly different.
Product: Credit card or prepaid card

I lost my wallet in XX/XX/2022, someone used it, I reported it. All of the companies investigated and put the money back on my card, except for XXXX Per XXXX, I used my card. I was assigned a fraud person named XXXX. I have left him messages and emails to contact me. 
No reply at all. Its obvious they did not investigate adequately. 
XXXX number XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion reporting inaccurate information on my credit file. 1 ) TransUnion credit report is reporting a bankruptcy case XXXX, from the U. S. Bankruptcy Court XXXX TN XXXX This is inaccurate and violated 15 USC 1681b Permissible purposes of consumer reports. ( B ) intends to use the information for employment purposes ; I have a letter from the U. S. Bankruptcy Court Clerk stating they did not provide TransUnion with any information regarding myself. 2 ) TransUnion is reporting XXXX XXXX XXXX XXXX account XXXX, Balance {$19000.00} Inaccurate information, inaccurate account information. I have 1099-C form, XXXX XXXX XXXX XXXX XXXX loan forgiveness of entire balance. IRS has account balance reported as loss uncollectible. I will attach 1099-C. The account is not a debt, it is included as my income for my XXXX taxes. TransUnion have violated the following : fcra rules, 15 USC 1681B, 15 USC 1681 a ( 4 ), 15 USC 16812 ( a ) ( ii ). Please provide me with original documents, showing my signature for bankruptcy and XXXX XXXX XXXX XXXX account, account ras charged off in XX/XX/XXXX. TransUnion is reporting charge-off account XX/XX/XXXX. Inaccurate.Also, provide legal documents from XXXX XXXX XXXX XXXX and the IRS regarding loan still showing as a debt. Provide me with a name, job title, phone and email address, along with documentation proving there reporting of this inaccurate information. If not provided to me during this complaint. You must remove from my credit report immediately and correct my credit score ASAP. TransUnion credit file File Number : XXXX Date Created : XX/XX/XXXX XXXX XXXX XXXX XXXX + Court Name XXXX XXXX XXXX TENNESSEE XXXX Address XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone XXXX Type XXXX XXXX BANKRUPTCY DISMISSED/CLOSED Date Filed XX/XX/XXXX Court Type US Bankruptcy Court Date Updated XX/XX/XXXX Date Paid XX/XX/XXXX Estimated month and year that this item will be removed XX/XX/XXXX Plaintiff Attorney PRO SE Responsibility Individual Debt Accounts More Info + Accounts with Adverse Information More Info + Account Name XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX  XXXX XXXX, VA XXXX Phone Phone number not available Monthly Payment {$0.00} Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type AUTOMOBILE Balance {$19000.00} Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms {$0.00} per month, paid Monthly for 60 months Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$17000.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Payment History Payment/Remarks Key Date : Balance : Past Due : Amount Paid : Scheduled Payment : Remarks : Rating : Date Match XXXX Payment History Payment/Remarks Key Date : Balance : Past Due : Amount Paid : Scheduled Payment : Remarks : Rating : Remarks< Rating120Account 120 days late Date XX/XX/XXXX Balance - - -No Data Past Due - - -No Data Remarks DRC/> Rating C/O Charged off by account provider
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a certified letter on XX/XX/2021 requesting that entries for XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX be deleted from my Experian report because they didn't provide proper verification and validation that the accounts were mine. I enclosed the return receipts from the post office showing that 2 receipts had been signed for ( XXXX XXXX & XXXX XXXX ) and the other receipt had not been signed for. I sent ALL certified letters to the address that was listed on my Experian report. 
Experian signed for my letter on XXXX but I have heard nothing from them verifying these accounts. 

Note : I sent a copy of the letter I sent to XXXX  XXXX  ... the letters were the same for XXXX  XXXX  and XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN : Attorney General Complaint sent XX/XX/XXXX In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681 & Fair Debt Collection Practices Act 15 U.S.C. 1692, EXPERIAN, has violated my rights.

Under the civil liability and the remedy available to me ( Section 616 & 617 ), EXPERIAN, failed to comply with Federal Law and because according to the FCRA consumer law which I should be compensated {$1000.00} per violation in accordance to FCRA as follows : 15 U.S.C 1681 section 602 A. States I have the right to privacy which was violated.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which was violated. I havent given these accounts written permission to furnish these accounts on my credit report as well!

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate which was violated.

Additionally, in EXPERIAN initial investigation which I stated to EXPERIAN, they did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore, EXPERIAN have failed to provide the method of verification as required under Section 611 ( a ( 7 ), which they were advised that under Section 611 5 ) ( A ) of the FCRA, they are required to promptly DELETE all information which can not be verified, if not, compensation will be {$1000.00} to me per violation in accordance to FCRA as the violations cited previously.

EXPERIAN have violated my rights even more. In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. EXPERIAN, stated my account was properly investigated ; but, how is that possible if the date open, high credit, date of last active, date of last payment, account number, last reported, and payment histories, show inaccurate information from report dated XX/XX/XXXX and XX/XX/XXXX and " still '' showing same inaccurate information reported ( see credit report screenshots ). 
This is grounds for REMOVAL!
Product: Credit card

My bank, Union Bank was supposed to have paid a check in the amount of {$710.00} in XXXX to First Bankcard, my credit card company which will be taken over by Union Bank in about a month. I had to open a new checking account because I was burglarized and my checking information may have been compromised. Union Bank did not honor the check. I made a second payment via phone to First Bankcard in the amount of {$720.00} on XXXX XXXX, that included a {$10.00} service fee. I received a letter from Union Bank on XXXX XXXX stating that my check did not go through again. I paid {$890.00} on XXXX XXXX ( {$710.00} plus {$160.00} for the second month 's bill and another {$10.00} service fee ). 
My Union Bank statement shows that on XXXX XXXX, {$720.00} was taken out and on XXXX XXXX, {$890.00} was taken out. In essence I paid twice for the {$710.00} bill from First Bankcard. When ever I call First Bankcard, I am told that they show a credit on their end but can not tell me why I do n't see one on my statement. The assistant manager at Union Bank who was supposedly working on resolving this issue is not responding to my email or phone calls. She was the one who made the mistake of not honoring my check when I requested it twice, in person at the bank branch and later that day, in an e-mail on XXXX XXXX. 
First Bankcard states that I may or may not see a credit in 5-7 days. I spent over 2 hours on the phone with both supervisors from First Bankcard and Union Bank and no one has resolved my issue. I would like to be credited the overpayment from First Bankcard.
Product: Money transfer, virtual currency, or money service

I have been experiencing an ongoing issue with Airtm, a financial service provider specializing in money transfers and virtual currency. Despite my attempts to resolve this issue through their customer support, my communications have been disregarded. Specifically, my messages were moved to a new ticket and previous unanswered communications were deleted. I have documented the conversations anyway. 

Furthermore, under the pretext of 'Know Your Customer ' ( KYC ) verification, my account was unexpectedly locked, hindering my access to my funds. Not only has this been inconvenient, but it also raises serious concerns about the security and reliability of Airtm 's services. 

In addition to my personal experiences, I have found numerous similar complaints on XXXX, indicating that other Airtm customers are also experiencing issues. The primary concern is Airtm 's tendency to hold customers ' funds for extended periods without providing clear reasons or adequate customer service. 

This pattern suggests potential fraudulent practices on Airtm 's part and a failure to uphold standards of professionalism and customer service. Despite giving Airtm ample opportunities to address my concerns, the issue remains unresolved. Given the gravity of the situation and potential legal implications, I am seeking an immediate resolution and assurance that such unprofessional conduct will not be repeated. 

Should the issue not be resolved to satisfaction, I am prepared to take further legal action if necessary. As a legal professional, I am fully aware of my rights and am prepared to defend them to ensure that my case, as well as those of others who may be in a similar situation, are appropriately addressed.
Product: Mortgage

The subject mortgage was in default, we eneterd into the mortgage company to settle the default by obtaining a settelment amouint of {$480000.00}. The settlement amount considered all factors. Prior to the settelement, the escrow account had a balance north of {$30000.00}, this amount was funded by the mortgage company. The agreements we entered into never stated that the maount of escrow will aslo be applied to the pay off balance. According the agreement the pay off balance was {$480000.00}. Sfter we closed I spoke to PHH Mortgage and requested the balance, I was told that I needed to wait 20 days to settle the escow, PHH Mortgage has not paid the balance to us.
Product: Debt collection

I have never received any information from a company called MCA Management Company. They are on my credit report and have been pinging my credit reports monthly dropping my credit score 10-20 points every month but have never contacted me about owing money to anyone. I am a current patient of XXXX XXXX. XXXX XXXX and have always made payments to them when I owed them money. I have no idea why I would be in collections when I made payments and to my knowledge I was paid in full as I always payed my bills when I receive them from XXXX. 

I have no idea who MCA Management is and their never having contacted me in anycshape or form and I have just recently noticed they have been on my credit report since XX/XX/2018 and every month they are reapplying what ever it is they do to my credit report but have yet to contact me in written letter or by phone but have no problems harassing and ruining my credit monthly with their deceptive practices.
Product: Credit reporting

Why does it seem like getting Equifax to actual perform an investigation is like an act of god? 

I do n't understand. This is the 4th time I 'm sending them a letter requesting them to investigate. It 's almost like they are n't even reading my certified letters. 

They have not provided me with an updated Credit Report as well and again, refuse to investigate. Why? 

I need someone to please take an interest. I do not wish to file a lawsuit. 

Please see attached.
Product: Debt collection

ACCOUNT No XXXX XXXXXXXX Dear I C SYSTEM INC, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.