23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

The credit bureau has improperly verified items I disputed that remains on my credit report. A notice was sent las year from XXXX to delete an account. However, Tramsunion did not follow that and has kept this negative account on my report. Which stopped me from getting the neccessary credit and help I was entitled to. Also, I have XXXX other accounts that XXXX properly verified and has deleted. The same accounts Transunion stated was verified. Which is incorrect. I have attached a letter from XXXX and XXXX regards the accounts I disputed that was deleted by them and I would like Transunion to delete them as well for this is hurting my credit worthiness. I also have some credit inquiries that I did not authorize.
Product: Checking or savings account

i opened a XXXX checking account with capital one. and deposited XXXX into the account thru ACH transfer from my other personal account. Right after the fund was received by capital one. they put a hold on my fund and require me to go to their branch for ID verification. i think it is unnecessary and unreasonable. When i opened the account i already verified my identity. I also verified where the fund was coming from. I called the bank to ask for help to remove the hold but they refused to help me and kept telling me to go to their branch. I told them I wouldnt mind going to their branch if they could give me an explainable reason. but they couldnt provide me with the info then I requested them to close my account and refund my money. they told me theyre not going to close it. so to my understanding ive just got scammed by capitalone and theyre holding my money for the bank interest,
Product: Debt collection

I still see a debt owed to Coast Professional on my credit report in the amount of {$2600.00}. This account has been paid in full for over a year. When I contact Coast Professional, they will confirm that I do not owe them any money but they will not provide written confirmation of any sort. 

This has resulted in my being turned down for a mortgage and paying thousands of extra interest on my auto loan due to an unfavorable rate offered because I credit score was damaged by this erroneous item.
Product: Credit reporting

I have noticed that each month Trans Union is LOWERING my credit score that it is reporting to XXXX XXXX, and all businesses who inquire as to my credit. They have now, this month provided my creditors with a BELOW AVERAGE score, which is FALSE and slanderous. This is deliberate to thwart my attempts to further my business associations. I have XXXX late reporting and XXXX past due on ALL of my credit accounts and Above Average ratings with all of my creditors. There response is insufficient reporting time for each card. YET MY SCORE WAS ABOVE AVERAGE MONTHS AGO, SO HOW THEN IS THAT AN HONEST SCORE REASON, WHEN MANY MORE MONTHS HAVE GONE BY, ONLY STRENGTHENING THE TIMELINE FACTOR. The other negative explanation stated was too high of balance to credit line, yet I pay almost XXXX percent of my balance EACH MONTH ... .miles more than almost all credit consumers. I have been battling FOR YEARS with the credit reporting agencies committing criminal intrusion into my credit file, and it appears it is STILL CONTINUING. No law abiding, fair credit reporting agency would provide FALSE AND DEFAMATORY information on a credit file. I will continue to take legal action EVERY time there is an issue with my credit files an reporting as it appears, I have no choice, being that these types of misinformation have been going on for several years now in my credit file. I want the CORRECT ABOVE AVERAGE SCORE REINSTATED TO MY CREDIT FILE, OR I WILL TAKE THIS TO COURT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Current Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities. 

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Bank : First National Bank I had an account with {$650.00}. On XXXX, I withdrew the {$650.00} to another account to pay my mortgage. Upon withdrawal, the bank charged me a {$0.00} fee to transfer the funds. This resulted in a {$650.00} transaction, but I only had {$650.00} in my account. The bank charged me two fees due to a {$0.00} overdraft ( {$12.00} ( XXXX ), and {$37.00} ( XXXX ) ). How a {$650.00} transaction was able to go through when I only had {$650.00} is beyond my belief. I have tried to dispute the fees but the bank is not being cooperative. They said they would call me back, but I have not heard back yet.
Product: Credit card or prepaid card

I have had a dispute open with American Express since XXXX, they keep saying that it is in process and I have to wait for the company to respond, who also wont respond to me. At this point it has been over 5 months.
Product: Credit reporting or other personal consumer reports

After a fraud incident Citi Bank issued a conditional credit and reversed interest charges and fees associated with the disputed amount. Then Citi Bank reversed the conditional credit, which elevated the balance to above the credit line. No letter or notice was sent to notify me that this would happen so I could proactively address the error. After noticing the error a few days later, I called Citi Bank and they said they had made an error and would get a supervisor to call me back within 24-48 hours to solve the problem. The next day, Citi charged me a {$30.00} late payment fee. This increased our balance and skyrocketed the minimum payment due to including the fraud charge. Citi then reported the late payment to the credit while the incorrect payment due amount was still not corrected and the balance included the fraud charge. 

The next day, Citi charged me another fee of {$41.00}. Citi acknowledged the mistake with the disputed amount and re-issued the credit for the disputed fraud charge and removed all fees and interest. The representative agreed to remove the late payment on the credit as the pre-mature reversal of the credit was an error of Citi Bank, and the disputed amount is a permanent credit following the closeout of their investigation. 

Citi failed to issue a Deletion Letter and remove the inaccurate reporting. Citi has acknowledged the error and agreed to remove it from our credit due to the mistake.but is claiming to need 30 days, which is now impacting my ability to close on a home I am under contract on.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

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

My repeated attempts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These erroneous entries continue to severely impact my life, causing considerable stress and XXXX  I must emphasize that I never authorized or consented to the association of this information with my identity, as I am a victim of identity theft.
Product: Debt collection

Spoke to XXXX XXXX (? Inaudible gave me XXXX XXXX at end of call ) XX/XX/2021. Asked for paper copy of debt owed. XXXX stated they could only send it out within the state of Washington. Siggested we mail to third party in Washington and have it forwarded. It is my belief that a discharge amount of {$210.00} ( amount originally owed ) has had interest applied to it until it's amount of {$610.00} owed today. I have a fiduciary and this amount can not be paid unless appropriate paperwork is given to her or me. The original bill was paid by the XXXX XXXX people.
Product: Debt collection

debt was started with HSBC in form of credit card approximately year XXXX. After financial difficulties I was no longer able to pay debt. I owed XXXX dollars or so as balance. After communication with XXXX XXXX in XXXX, I stated debt was old and uncollectable however XXXX agent stated that the clock to recovery was reset due to my communicating with agent. Phone calls are daily on home phone and cell phone. I recently checked my credit and XXXX  is not listed but I still get harassing phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an ITEMS passed on that should be taken out. Per FCRA segment 605 CREDIT BUREAU is expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for my letter sent to Bureau previously and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider Credit Bureau 's responsibility. Please delete these items on my report that damages my score. THE XXXX XXXX Date Updated 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
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds withing 24 hours stating the account is inaccurate, 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, XXXX '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 ( File No. XXXX ) against them for similar violations. I request CFPB take action to ensure XXXX complies with federal laws and provide consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate, XXXX. Account 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
Product: Debt collection

I was hospitalized with XXXX ( XXXX XXXX XXXX ). While at the hospital, doctors ordered a XXXX  with XXXX. The XXXX XXXX billed me for the charges. I contacted them as well as my Health Insurance company, XXXX. XXXX rep told me that these additional charges are not valid and they have responded to the provider. The provider instead sent it for collection.
Product: Checking or savings account

XXXX XX/XX/2021 XXXX transferred Simple account holders to their online banking. I have been locked out of my account since then. The bank has locked my account and any attempts to reach customer service have failed. They specifically opened up customer services lines today XX/XX/2021 to deal with this issue, however, as soon as you get through to a rep and tell them your issue they hang up the phone on you. The bank has not done their due diligence to keep new customers informed about issues. Instead of emails letting us know what is going on they are posting it to twitter. This is highly unprofessional and disappointing.
Product: Student loan

I was behind on my student loan and was being threatened to be sued. I would try to pay them when I had money but if it was not what they wanted they would not except my payment and they would harass me calling every day 5-6 times a day. Then they called me to work out a deal I had to pay them XXXX $ up front then a XXXX $ a month with an interest rate of .3 percent. They send me a bill by mail telling me there taking out the money every month but there was no information about the loan on the paperwork besides how much I owe them. I went online to look at my account almost 2 years later because I felt like the total should have been a lot lower at that point and realized they never dropped my interest rate and the whole time I was paying 8 % I fault with them for months about giving me back my money or taking it off my loan called hundreds of times they would n't call back then finally they said they fixed it but they did n't they owed me almost XXXX $ and when they sent me my total in the mail it was not XXXX $ less. They kept stateing I was figuring out the numbers wrong but at one point one of the members from there team even stated that they owe me almost XXXX $ dollars but they said they were wrong! I still have not seen it fixed and they refuse to fix it!
Product: Credit reporting

Incorrect information was listed on my report, resulting in the rejection of lease application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint against XXXX where they are reporting that XXXX XXXX says I owe them {$1000.00}. XXXX came back saying that it meets the " Fair Credit Reporting Act ''. I have not done business with XXXX XXXX Bank. They came back and now show this as a debt to " Midland Funding '' who is listed as a " debt buyer '' with original creditor as XXXX XXXX XXXX. XXXX XXXX XXXX is fraudulently reporting that I have done business with them, when I have not.
Product: Debt collection

To Whom it May Concern : In the past I had XXXX XXXX but chose to cancel their service. I immediately returned the equipment to avoid any further charges. Since I did not hear from their from phone, text, or email I assumed the matter to be closed. 

However, in XX/XX/2024 I checked my credit report and saw a collection from Transword. I contacted them and the ONLY reason I paid it was to have it removed from my credit report. To date this has not happened. 

Because XXXX chose to forward this erroneous debt to Transworld, it was added to my credit reports and has done significant harm to my credit scores.
Product: Credit reporting or other personal consumer reports

SYNOVUS/XXXX XXXXXXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 

XXXX XXXXXXXX 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 reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( account number : # XXXX ) was removed from my report and now my credit is inaccurately reporting. It was taken off in XX/XX/2022, and has yet to be inserted. I've contacted XXXX, to which they have stated that they've got everything upto date for reinsertion, however, each bureau has told me that they've yet to see any updates from the creditor.
Product: Mortgage

I have a VA loan originated with USAA. Initially, no problems however approximately 2 years ago USAA begun using a Sub-Contract company to service the mortgage, " XXXX XXXX XXXX ''. Since that time my payment due date continues to shift. I pay my mortgage AT LEAST one month ahead of time. With the shifting due dates USAA and XXXX XXXX XXXXXXXX are leading me to believe that the mortgage payment will be due sooner than it should be. I have continuously contacted both companies and each blame the other for the issue. 

This is textbook deceptive business practice. It is purposely going on in order to confuse the consumer and lead them to believe that their mortgage may be late in order to garnish money well before it is due. I have been trying to fix this issue MONTHLY directly with both companies for over two years to no avail.
Product: Mortgage

I have been working with Shellpoint for OVER a year now to process a " court-ordered '' short sale on my property. They have made this very difficult with 4-5 different points of contact during this time. As a result, I have to start the process all over again. Each time, the service agent says they ca n't find my file papers ( such as my XXXX XXXX ; my XXXX XXXX page, etc. ). Then, three months later all of the paperwork is out-dated and I have to refurbish new documents all over again. 

Furthermore, their communication process is horrible. They say they have called and requested documents from ME, but they have not ... not one of their numbers has been listed on my cell phone caller ID. I just found out today, XXXX/XXXX/XXXX, that they were missing one page of a document back from XXXX XXXX, XXXX ... it 's been almost two months! Ridiculous! 

I have a buyer for this property and I 'm paying extra each month to keep squatters out. I wish someone would hold this mortgage company accountable for expediting workflow. It seems as though they really want me to file a foreclosure, which is what I am trying my best to avoid. 

I NEED HELP WITH THIS HORRIBLE SHELLPOINT MORTGAGE COMPANY!!!
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally submit a complaint against Equifax in light of their recent conduct regarding investigations of credit reporting errors, as highlighted in your own announcement regarding their {$15.00} XXXX settlement for improper practices. 

As an individual who has had an ongoing issue with my credit report, I am deeply concerned about the integrity and reliability of the credit reporting process. My experience with Equifax has revealed significant flaws in their handling of disputes related to inaccuracies in my credit report. 

I submitted a dispute regarding inaccuracies on my credit report,. I expected Equifax to conduct a thorough and fair investigation into my claims, as required by law. However, my experience has demonstrated that their investigation was anything but adequate. 

Details of My Experience : XXXX. Inadequate Investigation : Equifax 's response to my dispute was cursory at best. They failed to perform a meaningful review of the evidence I provided, which included [ describe any documents or evidence you submitted supporting your dispute ].

2. Lack of Communication : The process lacked transparency. I did not receive clear explanations regarding the outcomes of my disputes, nor did I have adequate opportunities to follow up or ask questions.

3. Repeated Errors : Despite my efforts to rectify the inaccuracies, they continued to reappear on my credit report, negatively impacting my credit score and ability to secure loans or favorable interest rates.

4. Failure to Adhere to the Law : It has become evident that Equifax did not comply with their obligations under the Fair Credit Reporting Act ( FCRA ). Their actions have caused me not only financial harm but also considerable emotional distress.

Request for Action : I believe it is crucial for the CFPB to take note of the systemic issues regarding Equifax 's investigation process, particularly in light of their settlement for similar practices. I urge the CFPB to further investigate Equifaxs compliance with credit reporting regulations and ensure they implement necessary changes to protect consumers from such lapses in the future.

As a consumer, I expect fair treatment and accountability from credit reporting agencies. I appreciate your attention to this matter and look forward to your response regarding any actions that can be taken on my behalf or in the interest of consumer protection.