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

XXXX, Experian, and XXXX continue to report inaccurate information. The reporting agencies must maintain accuracy. The account listed XXXX XXXX Account # XXXX is not reporting accurately. 

XXXX is not reporting the account, Experian has 4 payments listed and XXXX has one. This means this account is not accurate and has not been properly validated under FCRA. This is causing damage to my consumer report and scores.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Prepaid card

On XX/XX/2014, I paid a bill over the phone for my daughter. The card company XXXX card issued by XXXX bank deducted funds from my account immediately. Apparently three days later when the gas company attempted to complete the trsnsaction nd collect the funds, it had been resended by the card company. I was told that it took too many days. My daughter had to pay by other means along with a late charge in XXXX. Since then I disputed the charge, provided proof it was payed another way nd the card company is still refusing to refund my funds.
Product: Credit reporting or other personal consumer reports

Per the Fare Dept Collection Act the lender must provide notice of past due before posting to your credit report. The loan was shown 30 days late for XXXX of 2023. Per XXXX at XXXX XXXX the only letter I was sent was on XX/XX/year> letting me know the account was going to be XXXX days late which I received. I even had XXXX XXXX XXXX  pull my phone records to prove I was not contacted. XXXX told me they didnt have to notify me, and even gave me a wrong email address. Per the law I can record a conversation I am part of. I was handling another complaint I filed that they posted the payment XXXX times to the wrong checking account. She refused to acknowledge what I told her, and when she found out I was recording the conversation for legal use she hung up on me.
Product: Mortgage

In XX/XX/2022 the servicer paid my insurance premium twice. At the end of XXXX, I contacted both the servicer, Nationstar Mortgage d/b/a Mr Cooper, and insurer to correct the problem. The insurer immediately issued and refund to the servicer. The servicer never posted the refund to my account. In XXXX I was notified of a significant shortage in my escrow account that would result in a significant increase in my mortgage payment. I immediately called the servicer. After over 45 minutes on the phone, I was assured that 1 ) the servicer would work to resolve the issue that caused the shortfall and 2 ) my mortgage payment would not increase until it was resolved. On XX/XX/XXXX the servicer deducted the higher mortgage payment from my checking account. I immediately called the servicer. After over an hour and a half on the phone, I ended up speaking with XXXX who was presented to me as an escalation specialist. XXXX asked me to participate in a 3-way conversation with the insurer. The insurer told us that they would stop payment on the previous check and issue a new one made payable to me. XXXX told me that I would need to deposit the check into my checking account and then submit a payment to my escrow account. At that time the servicer would reanalyze the escrow account and update the payment amount. She would then process the XXXX payment. XXXX told me that she would follow up with me on Tuesday, XX/XX/XXXX to see if I had received the check from the insurer. She did not call. I received the check on the XXXX of XXXX and posted it to Mr. Cooper on the XXXX. I attempted to reach XXXX to let her know. She did not answer the phone and her voicemail box is full. Today is the XXXX of XXXX : The servicer has not reanalyzed my escrow and has not processed my XXXX payment, and shows a XXXX payment in the higher mortgage amount scheduled to come out on the XXXX. XXXX 's voicemail box is still full.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to Equifax notifying them that I have NEVER lived XXXX XXXX XXXX XXXX XXXX MA XXXX. The address is a business address which would make it impossible for it to be my place of residency. I asked them to delete the address and any associated accounts that may be associated with this false information on my report. Equifax failed to delete the address. I also notified them of the inaccuracies on the XXXX XXXX  Account No. XXXX. They claimed the account was verified after I pointed out that they were reporting the wrong date the account was first reported. They show two different dates one says the first reported date of XX/XX/XXXX but the account history shows the date first reported was XX/XX/XXXX. Which one is accurate? How is this consistent? I also asked them to investigate XXXX XXXX Account No. XXXX as I do not recall being late XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. In accordance with 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) ( i ) ( ii ), if you are unable to verify the payments were late ; please update the account to show OK/never late/pays as agreed. Clearly, this information doesn't make sense and a proper investigation was not performed. Equifax has not responded.
Product: Debt collection

Credence Resource Management : I am writing to formally dispute inaccurate information reported on my credit report by Credence Resource Management. According to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an immediate investigation and correction of this collections account. If the information can not be verified, it must be deleted promptly. I am disputing the validity of this debt in its entirety, the collections account in question is reported by Credence Resource Management and appears on my credit report with the following details : reported on XX/XX/2024, with a balance of {$110.00}. The account status is listed as " Open, '' with a highest balance of {$110.00}, and is marked as an individual responsibility under the remarks " Placed for collection. '' The original creditor name is XXXX XXXX XXXX, and the account was opened on XX/XX/2024. I believe this information is inaccurate for several reasons. First, I have not received any documentation or validation of this debt from Credence Resource Management. According to the FCRA, all items on my credit report must be accurate and verifiable. Second, there is no record of any outstanding balance of {$110.00} from XXXX XXXX XXXX on my end. The presence of this incorrect collections account is negatively impacting my creditworthiness. Therefore, I am requesting that you review all recent statements and payment records associated with this collections account, including the most recent credit report. The balance, account status, highest balance, and remarks appear to be incorrect. If the information can not be substantiated, it must be removed from my credit report immediately. Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers of information are required to report accurate information. Please send me the results of your investigation at your earliest convenience. Additionally, if the investigation shows that the account is incorrect, please provide me with a revised copy of my credit report reflecting the corrected information. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account 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 my written instructions.
Product: Credit card or prepaid card

Social security benefits of XXXX and PNC is stilling and holding my money. I have spoken to PNC Bank about it and I'm closing the account PNC is to refuse my social security check and deposits this account is hear by closed
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/year> XXXX XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have received a copy of my Equifax credit report and I noticed some late payments posted on my credit reporXXXX XXXX XXXXXXXX XXXX  Loan Account number XXXX XXXX XXXX XXXX  Loan Account number XXXX Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer rights the law clearly states ( a ) In GENERAL Subject to subsection see any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer to whom it relates Did I give you written instructions to furnish this on my credit report?

Furthermore, the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( I ) exclusions from a consumer credit report clearly states ( 2 ) Exclusions-except as provided in paragraph three the term consumer report does not include ( A ) subject to section 1681 of this title Any report containing information solely as to transactions or experiences between the consumer and the person making the report Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily deletion of the above referenced account and sent out a free copy of my credit report after the changes have been made will result in legal actions being taken against your company for which I will also be seeking {$1000.00} per violation for 1. Defamation of character 2. Negligent embroiment of identity fraud 3. Fair debt collection practice ax 15 USC violations 4. Fair credit reporting act 15 USC 1681 violation for willing full noncompliance civil liability for willing for noncompliance 15 USC 1681
Product: Bank account or service

There was fraud on my account related to cyber security and other issues. My account illegally has a negative balance, because TD Bank did not update my file. Additionally, I must worry for the security of my account when making deposits. I reported the fraud and TD Bank has not properly credited or updated the account.
Product: Debt collection

I received a mail from Convergent Outsourcing dated XX/XX/2021. Stating that I owe XXXX XXXX {$650.00}. But if I agree with the settlement amount of {$320.00}, XXXX XXXX XXXX will recall my account and cease all collection activity. The letter said that if I agree, I have to call their office at XXXX. It was also stated in the letter that the letter is not an offer to accept 50 % of my debt as payment in full, but an offer for XXXX XXXX XXXX to remove my account from further collection efforts and they are not obligated to renew this offer.
Product: Checking or savings account

On Monday, XX/XX/2018, I applied for a Valley National Bank Premier Checking account which was offering a {$200.00} bonus for just opening the account with direct deposit.

I was approved and my {$100.00} initial deposit was successfully processed at the end of that week.

Few days later, after a {$100.00} ACH direct deposit from another bank posted, I got the {$200.00} advertised bonus.

Then, I withdrew all the money except {$100.00} to keep the account fee free. So, my balance of the end of XX/XX/2018 was {$100.00}.

On XX/XX/2018, Valley National Bank drained my Premier Checking account without any notification at all.

On Monday, XX/XX/2018, I noticed the Premier Checking account has no funds. The automated Valley National Bank withdrawal transaction description was REWARDS CREDITED IN ERROR. I went to the Valley National Bank XXXX  Branch that day and even though I showed screen shots with the web site offer wording, the bank officer told me a recurring qualifying monthly direct deposit of {$1000.00} or more within 90 days was required to receive the {$200.00} cash reward.

Due to the unexpected Valley National Bank reward credit reversal, the account balance was under the {$100.00} minimum required balance for several days and I would be hit with a $ XXXX  monthly maintenance fee if the account remained open by the next statement date Tuesday, XX/XX/2018.

Valley National Bank advertised offer wording was clearly misleading but the way they handled the reward credit reversal was even worse. So, I decided to close the account on Monday, XX/XX/2018.

On XX/XX/2018, I got an e-mail from Valley National Bank in which they recognized the original advertised offer was erroneous and a clear explanation of the {$200.00} bonus requirements was attached. Valley National Bank also offered me to reopen the account so I can get the {$200.00} bonus by meeting the new offer requirements.

Since I was not sure if Valley National Bank will report the cash bonus correctly to the IRS, I decided to wait until I receive their XX/XX/2018XXXX form.

On XX/XX/2019, my suspicion was confirmed when Valley National Bank sent an erroneous XX/XX/2018 XXXX form. They reported the full {$200.00} bonus to the IRS.
Product: Credit reporting or other personal consumer reports

My personal information was comprised in a Data Breach by Equifax and once I completed the form which I have attached in this complaint not only was my personal information was compromised but my credit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company is currently showing 30 days late for the month of XX/XX/2019, XX/XX/2019, and XX/XX/2019. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Debt collection

On XX/XX/XXXX of 2019 I received a letter from ERC collections saying that I own {$1200.00} to XXXX XXXX. 

I called XXXX XXXX to verify the account number on the collection letter, XXXX, but they would verify the debt as the SSN and Phone numbers ( mine ) Didn't match the account. 

I went to ERC 's site to enter the account number and 'last 4 ' of SSN to look at the 'account ' but they to do not have the correct SSN. Further there is not way to pay the bill on paper. I question if the whole situation is fraudulent. 
At this point I do not understand how : 1 ) XXXX  XXXX  allowed an account to be opened against my name without i-Matching SSN ii-Form of Payment iii-Validation of My name against address on file 2 ) The collection agency is linking my name to an account with a different SSN on file Police Report File with XXXX Police Department, XXXX Ohio : XXXX I already have a fraud alert in place as this has happened recently with another company, XXXX, where a fraudulent cable account was created in my name.
Product: Credit reporting or other personal consumer reports

I'm resubmitting my dispute letter due to lack of resolutions or actions. Again, the other Bureaus are not reporting this fraudulent information. I'm a victim of Identity theft and this information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  has me listed as making several payments over 30 days late.   All of the following months are listed as over 1 month late.    XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . I always make my auto loan payment online through  XXXX . I would then be transferred to  XXXX   XXXX  to process my online payment, for a fee. At first my payments would pos t within a day or two, but then so metimes it was well over a week before my payment would show as processed. I went through a difficult year, and did make a few payments after the due date, but I never allowed those payments to go after the 30 day mark. Somehow,  XXXX   XXXX  held my money and caused it to go over the 30 day mark. I have requested at least 5 times, several in  XXXX  and once in  XXXX  of  XXXX , that  XXXX   XXXX  correct my credit report, but they do not. I no longer have my email proof showing when I made the payments, so I am now suffering horrible damage to my credit report, because of  XXXX   XXXX  and  XXXX   XXXX  's horrible payment processing system. Also, please note that none of my payments ever reflected as late, until  XXXX  of  XXXX , when I came to the end of a loan modification. It was at that time, that I w as notified from my credit reporting company, that one of my payments had been listed as default of 30 or  more days. I find it extremely odd that they would wait until a year or more later to change my credit report, if my payments had truly been late. When I made my payment this month, I noted that  XXXX   XXXX  is no longer using  XXXX   XXXX  as their payment processing service. Please help me get this matter resolved, so that my credit report can be properly corrected
Product: Credit reporting or other personal consumer reports

Subject : Request for Correction of Misleading Information on Credit Report Dear Capital One Customer Service, I am writing to formally request the removal of incorrect and misleading information that has been reported by Capital One to my credit report. It has come to my attention that certain details provided in the report are not accurate, and this has adversely impacted my creditworthiness. 
Under the Fair Credit Reporting Act, I have the right to dispute inaccurate or misleading information appearing on my credit report. I urge you to investigate the inaccuracies and make the necessary corrections to my file. It is essential that my credit report reflects only truthful and accurate information. 
Thank you for your prompt attention to this matter. I look forward to your swift action and confirmation of the corrections made to my credit report. 

Sincerely, XXXX XXXX
Product: Debt collection

Chronology : Regarding Mortgage Loan XXXX As of XX/XX/2024 I was XXXX months past due to PHH Mortage in the amount of {$5600.00}. 
XXXX. Received XXXX XXXX Assistance XXXX XXXX XXXX in the amount of {$3500.00}. 
On XX/XX/XXXX, PHH Mortage acknowledged they received a check in the amount of {$3500.00} and instructed me to send the balance via XXXX XXXX to PHH Mortage in the amount of {$2100.00}. I sent the funds on that day and sent PHH Mortage an email to confirm the conversation with the representative. 
On XX/XX/XXXX, I asked that the the XXXX department investigate if the check for {$3500.00} was cashed by PHH Mortgage. 
On XXXX XXXX. I was notified that the check was returned to XXXX XXXX XXXX because it was a partial payment. 
This is unfair and discriminatory. I can not pay the past XXXX months of {$5600.00} on my own. PHH Mortgage Never notified me that they would not accept the either the {$3500.00} payment nor the {$2100.00} payment. No one wants to accept responsibility for this. 
This is unacceptable since I followed their instructions regarding the loan repayment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Website was not allowing me to freeze my credit report. 
Demanding security freeze on accounts held in my name. 
Violation of 15 USC 1602 ( p ) and 15 USC 1681i.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm writing this because I have inaccurate information reporting on my Experian, XXXX and XXXX from XXXX  XXXX XXXX and XXXX, I have tried to dispute this information with them but they said that everything in correct. The amounts of each account are correct but the reporting of the late payments are incorrect in each of the credit bureaus, Experian states that I only have one late from each of the 3 student loans, XXXX states I have 5 late payments from each of the 3 student loans, and XXXX states I have 2 late payments from each of the 3 student loans. Also all my student loans should be under XXXX XXXX but on XXXX it still says XXXX  XXXX XXXX. 
Also these I should not have the late payments because it should have been in deferred due to being in school in XXXX  XXXX, and the late payments being in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
All of this information will be attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this capitalone XXXX card on XX/XX/2022, XX/XX/2022 in EXPERIAN has refused dispute or delete this account. I asked for XXXX and EXPERIAN to send a signed contract and I have not received anything!
Product: Mortgage

In XXXX of 2015 we received a HAMP modification for the XXXX XXXX damage to our property. This lowered the mortgage interest rate down to 2 %. The stress from the disaster eroded our marriage and we filed for divorce in early 2015 which caused us to miss payments. Our loan was transferred to Fay Servicing from XXXX XXXX who is a predatory lender. They said sign the loan modification docs or they will foreclose, they raised the interest rate from 2 % to 5.75 % in an attempt to make us abandon the property and sell it themselves. We are currently making trial payments at the higher interest rate but can not sustain them for much longer, please help.