23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I got a loan with BBVA Compass in XXXX and now it has been absorbed by PNC Bank. I do not have any active accounts with PNC Bank. The debt was purchased more than one time and now XXXX XXXX XXXX has filed a lawsuit against me. XXXX XXXX XXXX is a successor-in-interest and the lawsuit originated in Utah. It also states that the debt was acquired on XXXX XXXX. This account was not opened in XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

This is a repeat complaint regarding an account on my credit report that remains inaccurately reported. I have submitted multiple disputes, each time providing clear documentation that shows the information is incorrect, yet no corrections have been made, and the same inaccuracies persist. 

Your ongoing failure to address these errors is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates that credit reporting agencies ensure 100 % accuracy in reported information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX ARE REPORTING FRAUDULENT ACCOUNT INFORMATION ON MY CREDIT REPORT. SECOND TIME REPORTING THESE FRAUDULENT ACCOUNT.
Product: Mortgage

I did a refinance with Mutual of Omaha Mortgage. I worked with both XXXX XXXX and XXXX XXXX. This was a horrible experience and didn't go smooth at all. I closed on Saturday XX/XX/24 and was funded on XX/XX/24. I was supposed to receive {$66000.00} I received {$64000.00} a difference of {$2000.00}. I then let XXXX know, he said the attorney XXXX XXXX XXXX XXXX sent the wrong amount. Well that is not my problem this is lack of communication between this company and them. Then on XX/XX/24, I receive only {$850.00} which is way off and a difference of {$1200.00}. These were sent in two wires when it was supposed to be one I also want to be reimbursed for one of the wire fees of {$15.00} brining what is owed to me up to {$1200.00} XXXX stated the attorney XXXX XXXX XXXX XXXX sent a higher pay off then they were supposed to again not my problem. XXXX did not offer to fix this instead said I have to now wait for my old mortgage company XXXX Mortgage ( XXXX # XXXX ) to send me the rest. 1. Who knows if I will end up with the correct amount? 2. I now have to wait 20 days plus it being mailed to me so close to a month to get it? This is a breach on what I signed. The title company sends over an apology with a couple of gift cards that does not make up for getting ripped off on what I signed for. I should not have to be the one to deal with my old mortgage company to insure getting the right amount back, the new company should since it was a mistake on their part. I filed with the Better Business Bureau complaint ID : XXXX and they ignored the complaint. I had my attorney send over a letter asking for the payment and they also ignored my attorney 's letter. I will provide all the documentation. 

Parties involved! 

Mutual of Omaha Mortgage : XXXX XXXX XXXX XXXX XXXX, Office XXXX, XXXX, RI XXXX XXXX XXXX Disbursement Team : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Silk Title : XXXX XXXX XXXX, Summit South XXXX XXXX, XXXX, RI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX and Equifax for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 

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

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Checking or savings account

I opened a checking and savings account and was later denied due to something on a consumer credit report. I provided adverse action letter via certified mail and no response
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and found alleged items that I do not recognize and therefore must be deleted. Pursuant to FCRA 623, I am demanding their removal. I have listed the referred to items below. 

Accounts : XXXXXXXX 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 XXXXXXXX XXXX XXXX According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Reporting information with actual knowledge of errors. 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. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ].

Thank you.
Product: Credit reporting

The following closed accounts are negatively effecting my credi score. I am requesting to have the following removed from my credit report : XXXX, XXXX XXXX XXXX -- XXXX, XXXX -- XXXX, XXXX -- XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This complaint concerns Citizens Bank of Massachusetts Account Name : XXXX XXXX, XXXX. 

On XX/XX/XXXX, XXXX wrote check # XXXX in the amount of {$10000.00} to XXXX XXXX XXXX XXXX, a company we do business with. On XXXX XX/XX/XXXX, we were notified by XXXX XXXX that they had not received payment. We confirmed that the payment had cleared our bank and funds withdrawn from our account on XX/XX/XXXX. On further investigation, we confirmed that the check had been paid, to a company named XXXX XXXX XXXX XXXX We have no business with XXXX  XXXX XXXX do not know who they are, or why they obtained our check. 

I immediately notified Citizens Bank ( at XXXX EST on XX/XX/XXXX ) by telephone of a potential fraudulent activity and/or an error and asked that they return the funds to our account immediately. I was told by phone that they would investigate and reverse the charge if confirmed. I have a copy of the canceled check that shows the depositor name is not the payee name ; it is clear that this is a Citizens Bank error, but they refuse to acknowledge it. 

On XX/XX/XXXX having heard nothing about the issue, we visited our local branch manager and were advised that the claim was still being investigated. I was promised a call back within XXXX hours by the branch manager. On XX/XX/XXXX, I called him and was told the claim was still being investigated. 

Approximately, one week later, I called the manager and demanded the funds be returned to our account. I was given contact information for a more senior regional manager, XXXX XXXX ( tel XXXX ), Citizens ' " XXXX XXXX XXXX ''. 
I immediately called XXXX XXXX and was told the matter was still being investigated, but that I would hear back from him in XXXX hours. I have heard nothing back. I left him one voice mail that he didn't return. I have since tried to call him two other times, but his voice mail box is now full and I have no where else to go. I've left two messages for the local branch manager, and he has not returned either of them. I think they are just ignoring the issue and hoping I will go away. 

At this point, as far as I'm concerned, Citizens Bank as misappropriated our money. It has been more than 3 months since I first notified them, and I've got nothing to show for it. I have attached a copy of the paid check and a copy of our initial claim notifying Citizens of the issue. 

Any help you can provide would be greatly appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reach out to Transunion, XXXX, XXXX to investigate the public records each has listed on my credit reports. This items was not reported to the credit bureaus from the original creditors and therefore was not verified through any investigation. I submitted documentation to each of the credit bureaus from the courts stating they DO NOT report to any credit bureaus. 

I've submitted several claims. The last communication was received on XX/XX/21 and the letter I received from them was dated XX/XX/21. Verifying that they verified the claim with the original creditor. I reached out to them to ask whom they spoke with, the persons job title, and phone number they used to contact the Courts and was not provided any of the requested information. 

The credit bureau has been evasive on providing information in regards to their investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. Furthermore, I was never sent correspondence notifying me that this account was sold to Credit Systems which is another violation along with HIPAA violations. According to the FDCPA Im entitled to XXXX dollars per violation. I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXccount Number : XXXX Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of inquiries 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 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 or 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm having problems getting in touch with the credit bureaus to update and correct my personal information.
Product: Credit reporting 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. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 ( Original CreditorXXXX XXXX ) XXXX.However, they stated everything was complete and accurate XXXX But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly.

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

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. XXXX XXXX.
Product: Consumer Loan

I woke up Sunday morning ( XXXX XXXX ) to find that my vehicle was missing. I immediately called the police and was told that it had been repossessed. I 'm in total disbelief because I 've paid my car note faithfully around the XXXX of every month. I 've been doing so since XXXX. My driving forth to continue paying my note in the amount of {$350.00} is my maturity date of XXXX. My email address and mailing address has not changed and I was n't notified of any discrepancies of my method and frequency of payments. My rent and utilities are due at the beginning of the month, which is why I ca n't make my on the XXXX, the due date, which is also why I make the payment around the XXXX. I have been totally inconvenienced, I have a young school aged child and I work. My phone number changed last month but I was n't in a hurry to update my information because they constantly called on the XXXX ( the due date ) and throughout the month until the payment posts, also because I 've made the proper payment every month. We have n't had a conversation in regards to changing the payment due date if my paying on the XXXX was an issue, so I 'm not sure what 's going on here. I 'm not going to express the importance of having a vehicle because I 'm sure you know this. I need my car back in the same condition it was picked up in, with all my valuables.
Product: Credit reporting, credit repair services, or other personal consumer reports

Look at the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Product: Credit card

Opened a credit card XXXX XXXX XXXX XXXX  ) on the XXXX of XX/XX/year>. I was given the option to use credit card but denied the request and used my debit card that day of purchase. Ever since Ive been getting calls from comenity bank ( credit card company holder ) that I had to make a payment. I called an told them Ive never received the card in mail nor used the card of day of purchase. Now apparently theres nothing they can do with my issue as I told them Im not paying for something I didnt use nor received.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 Inquires on my Credit Report that I didn't authorize XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'd like to formally seek proper guidance and assistance to secure that the information reporting on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there is an item that is misleading and incomplete. Therefore, I request that you investigate this item. The payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the XXXX XXXX XXXX XXXX customer service representative XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Please see attached files For months/ years I have submitted complaints to XXXX regarding fraudulent items on my credit report and for months/years they have ignored my requests to remove/Delete these items. These are NOT transaction made by me as a consumer yet XXXX keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They havent been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed/ Delete within 4 days of receipt of this letter. I would like for the item " SANTANDER CONSUMER USA '' listed in the attached documents to be removed/Delete immediately. I look forward to your response.
Product: Vehicle loan or lease

On XXXX, I received an email from XXXX XXXX informing me of a significant hit to my credit score. I called my new lender to inquire as to the payments due. Upon investigation, I discovered that a loan I had applied for on XX/XX/XXXXXXXX  had not been finalized due to misunderstandings - we had thought it was completed and were waiting for our first loan payment through our new lender. 

I reached out to Chase JP Morgan to inquire and was informed that I was 3 months behind on payments. 

The overdue amount, including late fees, were paid promptly ( Tuesday, XX/XX/XXXXXXXX  ). However, our credit scores decreased by over XXXX points, each ( my spouse and I ). 

As both borrower and co-borrower ( spouse ), neither of us received any mail, e-mails, or phone calls informing us of late, or missed, payments until receiving a letter today ( XX/XX/XXXXXXXX  ), dated Monday XX/XX/XXXX. 

Had we been informed, by Chase, that we had missed the first payment, we would have immediately paid it.
Product: Credit card or prepaid card

On XX/XX/2023, I received a text message from Capital One thanking me for giving them my phone number to get info about my account. I didn't have an account with Capital One, but I thought it was just spam. Then I received a notice from my credit card company that my credit had been checked when I hadn't applied for anything. I looked at my credit reports and it was Capital One. I called them immediately to report that this card was fraudulent. It took many calls and long hold times to get this established. Since it was the first day the card had been issued, there were no charges on it so it was easily disputed and they cancelled the card. Subsequently, I've spent many hours getting this inquiry removed from the three credit reporting agencies and freezing my credit. 

My complaint is that I have tried to get information on the application for this card. I wanted to be able to figure out if my identity was stolen and whether I should worry about other fraudulent activities. Capital One has been very uncooperative in sharing any information about the application. First they told me it was confidential information. They spent a lot of time trying to reassure me that the card had been cancelled and I wouldn't be held responsible for anything. Essentially, they told me I should be satisfied and let it go. When I found out that they have to share that information by law but by mail, I asked them where I should send the request. Then they said I could get the information from the credit reporting agencies who said I had to get it from Capital One. 

A few days or so after I cancelled the card, I received a card in the mail from Capital One. I called again to verify that, in fact, this card was cancelled. They said yes and so I tried to activate it to make sure, and I could not activate it so I'm satisfied that it's cancelled. However, I couldn't understand if someone had fraudulently applied for this card, why would they use MY phone number and address so that everything came to me? I suspect Capital One issued this card without my request and that is why they won't share the application information. If that's the case, they should be held accountable.
Product: Debt collection

Company trying to collect wrong amount and keep updating information as if this debt just happened, I've already took care of this year 's ago with original company years ago and I don't owe the amount in question I wish they take this off my report and all other debts that are paid still sitting on my report. And the company won't furnish me with the original copy of my signature or papers that this what I owe or mine
Product: Credit card or prepaid card

I checked my balance to confirm my payment and saw the minimum was much higher due to a late fee. Upon checking I saw my normal electronic payment went through a day late, and I am not sure why. Either way, I called as having great credit history and the card for over a year, I requested they reverse the fee. They refused. I asked why, they said the statement was already generated. I told them their interest rates were already among the highest in the market to show some courtesy to a good customer, they said " no ''. I am stuck with a higher payment, my balance has barely gone done in over a year even paying more than the minimum and I can't this albatross out of my life.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

I placed an order from XXXX on XX/XX/year> for {$84.00} and XX/XX/year> for {$110.00}. I never received any of the items that I order from either of those orders. XXXX claims that they have issued me a refund, and CashApp is saying they have not received one. It has been over the standard timeframe that CashApp says it can take for my refund to be received and they will not provide me with a refund, even though XXXX says they have returned the funds.