23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I received a low FICO credit score from XXXX credit card, and per its info provided, contacted TransUnion, who refused to give me my credit score. I asked them if my score was the same w/them and whether it is above or below XXXX. They stated they could not tell me because every company uses a different scale, and that I would have to pay for their numerical score. Why would I pay for a score that is not standardized? I asked them " if I were applying for a mortgage, which score would be preferred from the mortgage company, TransUnion or XXXX ''? For the record, XXXX just XXXX my credit limit, yet my score is low. She stated I would need to obtain a score from each company. That 's absurd! There has got to be a standard scale that every credit reporting agency, credit card provider, etc. uses across the board, and if there is n't, there should be. Otherwise, I should start a credit reporting company and create my own scale for those who are disenfranchised, who refuse to obtain credit cards to establish credit when cash should speak volumes rather than borrowed money.
Product: Checking or savings account

It has not just happened to me, the same thing happened to my wife. Unreasonable target to block the access of my account online. New computer that BMO did not recognize by the BMO system, so BMO blocked my password. I should be able to use a computer that is at my hands and not only one that they already illegally target. When I am trying to use the password option, BMO falsely claims that my SSN that I put in is wrong. I am an elderly customer and getting sick of changing my password every time I have to access my account. It also should not be up to BMO who I allow to help me access my account, especially to my wife. BMO disabled my signature at the bank and notarized it by BMO notary authorization form, after BMO declined my DPOA notarized outside of BMO. BMO declined to accept my DPOA. BMO is using its power to interfere with my preferences. At the time of opening the account BMO got my exact address and my CA ID with my address on it, but they are also trying to make small changes to my address, like deleting the Unit number and making changes to XXXX additional digits to zip code. The BMO acts like my money belongs to them and I have to ask them for permission to use my money and access my account under their specific permission. Before BMO blocked online access, they disabled XXXX XXXX. They disabled all connections that I set up with the other XXXX previous banks and I did not get a reasonable explanation for that. I need money to transfer to pay my rent and I do not have access to my account. The BMO chat isn't monitored by a live agent for help. Every time I have to call and speak with agent, which is not my preference, Here is a copy of chat that isn't helpful at all : XXXX minutes ago Welcome to BMO Assist. 

How can I help you today? New UsersForgot PasswordForgot User IDLogin IssueLocations & HoursRouting NumberGeneral QuestionsOpen an AccountSwift Code2 minutes ago BMO blocked my account from my access again. 2 minutes ago This chat is not monitored by live agents, to chat with a banker please log into BMO Digital Banking and select the Chat with a Banker option from the Chat menu. 
If you are experiencing login issues after attempting the Forgot Password and Forgot User ID options, please contact us atXXXXwithin the U.SXXXX andXXXX the XXXX XXXX minutes ago.Is there anything else I can help you with

? Press " yes '' to go back to the Main Menu.YesNo I did not forget my password. BMO blocked my account from my access.

This chat is not monitored by live agents, to chat with a banker please log into BMO Digital Banking and select the Chat with a Banker option from the Chat menu. 
If you are experiencing login issues after attempting the Forgot Password and Forgot User ID options, please contact us atXXXXwithin the U.S. andXXXX the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very frustrated with all 3 reporting companies. I pay good money every month to monitor my reports and what I find is that the information and credit score I get is not what a creditor gets when I apply for credit. Why since I pay my taxes and you are in business to stop this bad reporting am I still seeing this. It is your job to make sure there companies report to me the same thing they show potential creditors. Fair reporting should mean I see what they see but that is not happening at all. I know this to be true because I look at my report then apply for credit and with in a day I get a response from the creditor telling me my report does not say what they showed me it said. FAIR and CORRECT reporting should happen ALL THE TIME.
Product: Mortgage

On XXXX XXXX, XXXX my husband and I purchased a home together in XXXX XXXX PA. Our mortgage holder at that time was XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX The purchase amount of our home was {$220000.00}. On XXXX XXXX, XXXX, our mortgage was sold to M & T Bank. 
M & T Bank XXXX XXXX XXXX XXXX, MD XXXX XXXX When our home was sold, we were notified via postal mail. However, since then, we have had numerous financial difficulties, have been entered into a loan modification program, and just recently while getting together all necessary paperwork, I have noticed that when M & T Bank took over our loan, they have instituted our loan for the maximum amount of {$220000.00}. Upon our ending and closure with XXXX XXXX, we owed {$220000.00}. We made 7 payments to them in the amount of {$1700.00}. These payments were not applied to our transfer to M & T Bank and I feel that this is wrong and not legal. I have contacted a legal representative and they also stated that I should contact you and seek assistance. I am seeking reimbursement for the 7 payments that were not applied to my account with M & T Bank. Should you have any questions please contact me. Thank you.
Product: Credit reporting or other personal consumer reports

I received my credit report and noticed that, for the third time, a fraudulent account is appearing, I have tried before to get this deleted. It's not mine. 

I command you to delete the accounts listed below : Account Name : XXXX. 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law, 15 U.S. Code 1681iProcedure in case of disputed accuracy, if you can not verify the accuracy of the information within 30 days, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX - Balance : {$470.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my 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 XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union continues to report fraudulently a business debt opened on a different tax identification number to my personal credit report. Trans Union is committing fraud by putting a debt on a different person. The fraud continues after reporting and disputing. No proof has ever been sent to me that this is my contract or has anything to do with me. All disputes have been ignored, and never really investigated as to the origin of the dead from a failed business seven years ago with a similar name. I have filed a fraud report with the FTC report number XXXX. The FTC report also includes XXXX fraud by reporting the same business on personal credit report. And never showing any proof of debt or contract. XXXX is also reporting a XXXX XXXX condemned the bank that is also a bit of time not related to me and XXXX XXXX, which has never been proven to be mine or any contract provided or proof of real debt.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.CXXXX 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have reported inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter on datedXX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX Balance : {$XX/XX/XXXX} XX/XX/XXXX XX/XX/XXXXXXXX Balance : {$XX/XX/XXXX0} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I understand that FCRA 605B requires the removal of incorrect accounts from my credit report. Can you verify the documents? Several accounts have been inaccurately reported, with wrong amounts and dates.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed an account and the balance still showing on my credit for an amount of {$2300.00}. I would like this mistake to be fixed.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which always maintained timely payments .Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with the utmost accuracy. I have never missed a payment on the following account [ Usaa ], [ XXXX ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof. I demand that these payments be promptly updated to reflect their true status as on -time, as I have consistently upheld my payment obligations without delay.
Product: Credit reporting or other personal consumer reports

I requested inaccurate information to be deleted from my credit report. The account is closed but they are reporting it as open. Every time I call them they say they will delete it but it continues to show on my credit report. I requested for them to provide me with the original contract with my Wet signature/Creditor name -address-phone number of original Merchant/Payment history and Itemized Billing associated with my account/Proof of ownership providing that you are Autherized to collect this. 
XXXX FCRA states under 15USC.1681 section 602 states I have the right to privacy and 15USC.1684A section2 states you can not furnish my information with out my written permission. 15USC.1666B sates a creditor can not treat a payment on a open account as a late payment. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Please Provide me with the original contract with my Wet signature/Creditor name -address-phone number of original Merchant/Payment history and Itemized Billing associated with my account/Proof of ownership providing that you are Autherized to collect XXXX XXXX  XXXX
Product: Checking or savings account

I was robbed at XXXXXXXX XXXX for my phone and the following transactions were not authorized by me {$820.00} on XX/XX/year> {$150.00} on XX/XX/year> {$95.00} on XX/XX/year> The payments were sent to the suspects cash app this is their cash tag XXXX XXXXXXXX
Product: Debt collection

Convergent outsourcing has failed several times to validate my debt. They illegally report to a credit bureau without any proof. I have sent multiple validation letters and received nothing back. I have proof of every letter sent with nothing being returned. When I file a complaint they say the debt was with another company that they are representing. I have not seen any proof. Show me a legal validated response. Show me my signature saying I owe. Show me how I came to the number I originally owed. Show me a contract I signed. You can sit here and give your false statements all you want but you have no proof. I want to see proof. FCRA has laws in which you need to abide. Show me a contact with my signature on it and if you cant then it needs to be deleted.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Experian Information Solutions , Inc. for repeated and intentional violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, 15 U.S.C. 1666b, and related provisions. As highlighted in the CFPBs XX/XX/XXXX report, Experian has displayed systemic failures in handling credit reporting disputes, and my case exemplifies these issues. 
Experian has failed to properly investigate my disputes and continues to report inaccurate information on my credit file, specifically regarding accounts with XXXX XXXX XXXX  and XXXX XXXX XXXX Despite submitting detailed disputes, registered correspondence, and supporting documentation, Experian has neglected its duty to ensure the accuracy of the reported information or provide verifiable proof of claim, resulting in significant harm to my creditworthiness and financial standing. 

Summary of Issues : XXXX XXXX XXXX  Account ( Originating XX/XX/XXXX ) : Experian inaccurately reported a late payment during an active billing dispute, violating 15 U.S.C. 1666b and 12 CFR 1026.13, which prohibit reporting late payments while disputes are unresolved. 
Experian failed to verify the accuracy of this information under 15 U.S.C. 1681i, continuing to report an inaccurate paid charge-off status that misrepresents my financial behavior. 

XXXX XXXX Account : Experian continues to report inaccurate payment history, despite multiple disputes with supporting documentation. 
Experian has not conducted a meaningful reinvestigation or adhered to its obligations under 15 U.S.C. 1681s-2 ( b ), leaving inaccuracies unresolved and harming my credit profile. 

Legal Violations : Failure to Conduct Proper Investigations : Experian failed to meet its obligations under 15 U.S.C. 1681i to reinvestigate and verify disputed information, neglecting to provide any supporting documentation for its reporting. 
Intentional Misreporting During Disputes : By reporting late payment data during active disputes and failing to correct inaccuracies, Experian violated 15 U.S.C. 1666b and 12 CFR 1026.13.

Non-Compliance with CFPB-Documented Standards : As outlined in the CFPBs XX/XX/XXXX report, Experians systemic disregard for FCRA requirements reflects broader patterns of negligence that harm consumers like me. 

Impact on Me : Experians actions have caused significant harm, including : Reputational Damage : The inaccurate information misrepresents my financial behavior, harming my credibility. 
Financial Loss : Denied credit opportunities and higher interest rates due to Experians reporting failures. 
Emotional Distress : The unresolved inaccuracies have caused stress and frustration as I have sought to protect my financial reputation. 
Attached are copies of my dispute letters, Experians inadequate responses, and supporting documentation highlighting the inaccuracies. These documents further demonstrate Experians failure to investigate my claims and comply with FCRA requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 my written instructions.

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
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. 

Account Name : XXXX account # XXXX Account Name : XXXX account # XXXX Account Name : XXXX XXXX XXXX account # XXXX XXXX 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, 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX INQUIRIES : XXXX XXXXXX/XX/year>
Product: Mortgage

I have met the following requirements on my mortgage : " PMI will automatically terminate on the earlier of the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property. '' I have made all payments on time. I have included extra amounts with almost every payment. There is absolutely no reason why my PMI is not automatically canceled as it states it should be on the government website. 

XXXX XXXX now tells me that I need to pay for an overpriced appraisal. I have a small house, valued at {$70000.00}, but they demand that I pay {$630.00} ( the same amount someone with a {$900000.00} loan has to pay and 50 % higher than if I could use a local appraiser ) in order to remove PMI. 

So is the government website not accurate? The lady who answered when I called XXXX XXXX said it was only a suggestion ... So much for protecting the American Consumer. She also told me that I could find the " correct '' rules on the XXXX XXXX website. I asked specifically where, but she couldn't answer, and I couldn't find it on their website. 

I have done everything required of me and I should not have to pay a ransom ( a year 's worth of paying PMI ) in order to get the PMI canceled. 

I've met my obligations. I'm basically being penalized because I made extra payments and have been a good customer.
Product: Credit card or prepaid card

Gyms Closed In XX/XX/2020 and charged me after they closed i could not call gym and told direct express this and filed claim claim number XXXX for credit and I called them and no response when I followed up on claim, was given the run around