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

this is a never ending issue that has been ongoing for months with this financial institution. Opened up two different personal credit lines withXXXX  I have one credit line that has a limit of {$11000.00}. I also have another personal credit loan with a limit of {$20000.00} Ever since the XX/XX/XXXX, The company has not been reporting the correct balances to the credit bureaus. I have attached copies of a current credit report showing incorrect balances. These balances have been showing that I have been over my credit limit amount and over the utilization amount of both of these accounts and this incorrect reporting has been reporting like this since the XX/XX/XXXX With these accounts showing the utilization over the crate line amount, it has drastically caused a big substantial decrease in my credit scoring. I have never been late or over the credit limit or the personal credit line amount on either two of the accounts. I have attempted to send a request to the XXXX XXXX XXXX advising of this on this company and I was contacted by someone by the name of XXXX that is in a resolution with XXXX. I have been in touch with her multiple times as she states that she is working on the situation. I have also attempted to contact the credit bureaus and let them know of the incorrect information. However, the incorrect information is still reporting on my file.. XXXX has advised me that she has attempted to escalate this to someone else, but this process is taking way too long and it is going months and months without being corrected. The lender of XXXX is XXXX XXXX XXXX. From doing research I have found that they have been in a civil lawsuit this year regarding incorrect fair lending, but it is definitely having an impact on my credit scoring and this also then turns around and has an impact with my other creditors, showing this high utilization and over the utilization, credit line amount to drastically, decrease my scoring models, which intern impacts my lending with other creditors. These incorrect reporting on these accounts has caused current creditors to change my interest rate as well as not providing me additional credit favorable interest rates due to this error not getting corrected and updated on my credit report. XXXX, in the office that is answering these complaints and that this report will also possibly go to as well has been telling me that she is getting the issue resolved and looked at, but it has been going on now for months with no resolution I only want what is fair and they are not reporting these accounts correctly and it is having a very serious impact on me. One account is showing that I am almost {$2000.00} over the limit another account almost shows the same thing that I am over the limit and it is causing drastic effects on my credit scoring.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account for {$1300.00} appeared on my XX/XX/XXXX and Experian credit reports in mid-2019. I attempted to resolve this issue with the agency that reported the collection, XXXX. The collection agency has failed to validate the debt, including the date of first delinquency. I filed a dispute with XX/XX/XXXX and Experian who both ruled the collection account was valid. I have received no information from XX/XX/XXXX Experian or XXXX as to the validity of the debt. According to my credit reports, the account appears to be from a hospital in Arizona. I have not lived or set foot in Arizona for over 14 years, so even if the debt was at one point valid, it has been illegally re-aged on my credit report.
Product: Debt collection

Debt of {$360.00} showing on my Equifax account for a water service that I do not have.
Product: Mortgage

Fay Services is supposed to escrow for both taxes and insurances for my account. They have been taking money out of my account for escrow and not paying my insurance or taxes. After a long battle with Fay Services they sent me a check for my homeowners insurance. At first they said my account has only been escrowed for taxes and that's why insurance is not being paid. Now they are saying my account is set up for insurance but not set up to escrow taxes. According to my closing documents and the people serviced my loan before them my account is supposed to be setup to escrow both INSURANCE AND TAXES. They are illegally not following the rules of the closing documents which states that escrow be collected for BOTH HOMEOWNERS INSRUANCE AND TAXES. This company has not followed the rules of the closing documents and are choosing to break the law. I've asked them to review the documents and update the account and do an escrow analysis a lot of times but they refuse to do that and instead make excuses and lie and say the account has not been setup for escrow. Instead of reviewing the closing documents that I signed and setting up the account correctly By law they are not allowed to setup the account the way that they choose to, they have to follow the documents that I signed. Now they have sent me an escrow surplus check of XXXX XXXXand cant tell me if its money that actually is owed to me or if its a mistake on their end and they should have kept it in escrow.
Product: Money transfer, virtual currency, or money service

My bank JP Morgan Chase refused to help me to get back the money Ive been scammed. Ive been scammed {$3200.00} if not more and when I spoke with them, my bank have said there is nothing they can do. I did not know they people getting the money were scammers, they have bought my trust completely and slowed me to believe they were legit and I believed. All I want is the money back, this wasnt even my money. This was my sisters money which I was holding onto in my bank account since I dont use this account.
Product: Credit reporting or other personal consumer reports

This is my XXXX attempt I am interested in processing disputes for inaccuracy on my credit report an inaccurate accounts thats not mines reporting to my credit report. These accounts do not follow the FCRA rules. I am a victim of identity theft I have no knowledge of invalid accounts listed. Please review an remove the accounts listed in the dispute to clear and correct my credit report asap
Product: Debt collection

This collection company called LVNV Funding that is located on C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX continues to harass me about debts that i do not owe or have any clue what they are. I have Personally never seen a contract from them between my self and them proving that i owe them anything. LVNV Funding is reporting an alleged debt on my consumer report XXXX, XXXX that i have never seen before. i have never seen a contract that shows i have done business with them or authorization that gives them the legal rights to collect from me. XXXX XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter to them via certified mail on XX/XX/2022 and they did not respond to me at all which is also a violation. This company has also been contacting me without my prior consent which is a violation of 15 usc 1692c. 

I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this alleged debt off of my consumer report accordingly
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Immediate Attention Required : Addressing FCRA Violations in My Credit Report Dear Equifax, I hope this message finds you well. I am urgently reaching out regarding critical discrepancies that have come to light in my credit report, presenting clear violations of the Fair Credit Reporting Act ( FCRA ). Upon a thorough review, it has become evident that several errors persist within my credit profile, signaling a troubling oversight of FCRA regulations within your agency. 

To clarify : The Fair Credit Reporting Act stands as a cornerstone federal statute overseeing the collection and reporting of consumer credit information. Its mandates emphasize the accurate acquisition, retention, and transparent sharing of a consumer 's credit data. 

Instances of FCRA violations observed include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information by reporting agencies based on name or social security number similarities. 
Neglect of prescribed protocols for handling disputes by agencies. 
My rights under the Fair Credit Reporting Act entail : The right to verify the accuracy of my report, particularly for employment purposes. 
Notification if information within my file has been utilized against me in credit applications or other transactions. 
The ability to dispute and request the removal of incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information, typically after seven years ( ten in cases of bankruptcy ). 
I formally request the immediate removal of the listed items below. These items indisputably breach FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused considerable distress, notably evidenced in my recent denial for extended credit due to errors originating from your agency. 
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 


I am earnestly counting on swift action to rectify these violations within the timeframe mandated by the FCRA. Failure to comply may necessitate exploring legal measures to ensure my rights under the FCRA are respected. 

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

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

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 the general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the investigation is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( XXXX  ) promptly delete that information form the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit 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
Product: Credit card or prepaid card

An unauthorized charge of {$2300.00} dated XX/XX/2022, reference number XXXX, appeared on my online statement and I immediately contacted the bank to notify them about the fraudulent transaction and requested they immediately cancel my card and issue a new card with different account number. I did some research and the fraudulent charge was made to an online merchant. The bank provided me a temporary credit, but on XX/XX/2022 reversed the credit and has not provided me any details about the fraudulent transaction. I attempted contacting the bank 's security department to obtain more details and appeal their decision, but they do not return my calls nor have mailed me any further information. They expect me to pay the full amount by XX/XX/2022 and I am not going to pay it. Consumers have rights to a fair due process.
Product: Checking or savings account

On XX/XX/year> I was supposed to received my direct deposit of my payroll check from my employer. I did not received it. At XXXX on XX/XX/year> I received an email from Capitalone that they expect services to gradually begin to return to normal throughout the day and the majority of the issues will be resolved by Friday XXXX. Today is Friday XX/XX/year> XXXX ( cst ) and my payroll check has not been deposited into my account.
Product: Credit reporting or other personal consumer reports

I ADDS UP TO MY STRESS SEEING THESE FRAUDULENT INQUIRIES.
Product: Mortgage

My father-in-law passed away and left us ( wife and I ) the house and my wife ( his daughter ) is on the quit claim deed. We requested Loan Assumption paperwork and was sent it. We mailed it back on XX/XX/2024, overnight with signature requested. Received notice on XX/XX/2024 that the paperwork was never received. Called Mr. Cooper and they sent out new paperwork and we filled it out and emailed it back on XX/XX/2024. Today ( XX/XX/2024 ) received a latter in the mail saying that they didnt receive some paperwork so I called and they said that the paperwork needs to be signed by the seller ( which is my father-in-law ) who is deceased. Not sure how a dead man can sign paperwork. I have talked to the VA on multiple occasions and they informed me to file a complaint as Mr Cooper is not following the VA guidelines, which is what I am doing now.I have talked to multiple people at Mr Cooper and get different answers. Never get the same answers and can't talk to anyone in the assumptions department. I was told that they ( assumptions department ) don't talk to customers. I have proof that the paperwork has been sent in 4 times now.
Product: Checking or savings account

US Bank charged an Analysis Service Charge in my business checking account with them without any reason. 
I called an spoke with a very rude Manager, her name is XXXX XXXX ( Customer Service Manager ) I asked information but she refused to provide information because she said that she can only have access to a personal checking account, not true because I called before to the same customer service and they assisted me with my business account issues. 
Next day in the morning I called and spoke with an agent in the business customer service depto, he said that fee was charged by error in my account and he would request for a refund. 
I waited 2 days with my account overdraft and the fee was not refunded, I am not able to call the business depto because they working hours matches with my working hours and when I finish my work they are close, so the day that I had to call them, I called off to my work losing profit because the issue that US Bank caused me. 
After waiting 2 days for the refund I called Us bank again and the same lady XXXX XXXX came to the line more rude than the first time and I just was looking for answers of why I was lied before about the fee refund. 
I lost money not working because this issue and still not resolved. So probablyI will have to call off tomorrow against just to call Us Bank to see what is going on with that Analysis Fee which is not included in the fees description at the time of my account was open.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX, XXXX XXXX and XXXX : XXXX XXXX XXXX, XXXX XXXX TX XXXX : XXXX XXXX XXXX, XXXX XXXX GA XXXX : XXXX XXXX XXXX, XXXX XXXX PA XXXX Subject : Dispute of Incorrect Student Loan Reporting Under FCRA & XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate information on my credit report regarding a student loan account that has been incorrectly reported as late/missed/placed in collections. According to my records, all my student loans were in good standing and were paused due to the federal student loan forbearance program implemented under the XXXX Administrations relief measures. 

Account Details : XXXX XXXX Name : XXXX of XXXX Account XXXX : XXXX Type of Loan : [ Federal Student Loan / Private Student Loan ] Date of Reported Late Payment : XX/XX/XXXX Legal Violations : Violation of the Higher Education Act ( HEA ) 20 U.S.C. 1087e ( f ) : This law states that federally paused student loans should not have been reported as late or delinquent during the forbearance period. 

If my loan was covered under this program, then any negative report is a clear violation of federal protections and must be removed immediately. 

Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) : Loan servicers and credit bureaus are required to report only accurate and verifiable information. 

Because my loan was paused under federal relief, any late payment reporting is factually incorrect and must be corrected or deleted. 

Failure to Conduct Proper Investigation 15 U.S.C. 1681i ( a ) ( 5 ) : If the information can not be verified, it must be removed from my credit report. 

Requested Resolution : Given the federal laws protecting my student loan from improper reporting, I demand the following actions : Immediate deletion of the incorrect late payment or derogatory account information from my credit report. 

Written confirmation that the disputed account has been corrected or removed. 

Reissuance of my corrected credit report showing the removal of the negative mark. 

Supporting Documents Enclosed : Copy of my credit report with the incorrect account highlighted Copy of any loan statements or correspondence proving my loan was in forbearance Copy of Biden Administrations loan pause policy for reference Please consider this letter as a formal dispute under the FCRA. I expect a response within 30 days, as required by law. Failure to correct this inaccurate reporting may result in me filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or legal action for damages caused by this erroneous report. 

Thank you for your prompt attention to this matter. Please provide a written response confirming the resolution. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have a debt for going to the emergency department after a fall down some bleachers. They add the account to my credit report not once but twice and I reported it once or twice and the debt isnt being resolved. They have been adding XXXX x2 for the same collection twice. The first time they added the debt it was correct but they added interest fees and reported it to my credit a second time. They are hurting my credit every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed and requested re-investigations on several inaccurate items. 

Transunion is refusing to provide information and contacts used to verify inaccurate info on my consumer report. IMost recently I was sent a notice that only address one of the multiple items I disputed and it did not include any of the requested information. It is my right as a federally protected consumer to have this information provided to me within 15 days of request or the disputed account removed. They are in violation of 15 USC 1681a ( 6 ) and 15 USC 1681a ( 7 ).
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  IA XXXX Subject : Complaint Against XXXX XXXX XXXX for Violations of the Fair Credit Reporting Act Dear Consumer, Financial Protection Bureau, I am writing to formally lodge a complaint against XXXX XXXX XXXX regarding multiple late payments reported on my account, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ). 

In accordance with 15 U.S.C. 1681 Section 602, I assert that my right to privacy has been compromised. Specifically, under 604 ( a ) ( 2 ), a consumer reporting agency is prohibited from furnishing information about me without my explicit written consent. However, I have not provided such consent for the reporting of these late payments. 

The details of my complaint are as follows : DATES : Any late payments reported since XX/XX/year>. 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX corrects the inaccuracies in their reporting. Additionally, I would like to receive confirmation of your receipt of this complaint and any updates regarding the status of your investigation. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint involves the XXXX credit reporting agency they are reporting old or outdated info which affects my credit score and gets me denied for most if not all loans that I apply for I have disputed these inaccuracies on their websites over the past several months but to no avail have anything changed.. 
The info they're reporting either list wrong addresses or reporting how long that the accounts have been opened once a new debt agency buys the debt they report it as a new account most of this debt is less than XXXX
Product: Credit reporting or other personal consumer reports

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

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

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX