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

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

RESOLUTION : I am not demanding verification nor validation of any of these accounts. These accounts listed SHALL be removed.

I am demanding that the credit reporting agency do what is fair and equitable. I will move for a complaint for small claims for default judgment due to your violations. Per 15 U.S. Code 1681c-2, the credit reporting agency SHALL remove any account I identify as alleged identity theft, and the accounts that SHALL be removed.
Product: Mortgage

Citimortgage has falsely reported XXXX late payments on our XXXX mortgage for the months of XXXX 2014 through XXXX 2014, 6 late payments total. This happened during a modification of this loan when Citi instructed us to stop paying our mortgage to our loans regular payment address and to instead pay them directly to the modification department for a " trial '' period before the modification would be approved. I warned at this time from Citi that late payments could " temporarily '' show up on our credit reports but would fall off after the completion of the loan modification since my wife and I have never missed or been late on a single payment with them ever! This still holds true today, we have never been late on a single payment with them. 

A Citi supervisor instructed me to send them a copy of a report page showing the late payments so they could have them removed. I followed his instruction to the letter and Citi is now absolutely refusing to do the right thing, touting they must report the history as their system shows it. I have relentlessly tried working with them to get this FALSE information removed from mine and my wife 's credit reports to no avail, they refuse to do anything about it. 

My wife and I have worked extremely hard to keep our credit reports in good standing and as such have never been late on any payments to any of our creditors so this is as upsetting to us as it gets. We have been VERY long time customers of Citi so even more frustrating to be wronged to such extent by them! 

I have heard so many horrible stories of Citimortgage pulling stuff like this with other people, but still in shock they would do something like this to their customers. 

I would definitely like to file a complaint about Citimortgage as I ca n't see this even being legal what they have done! If possible I would like to request assistance in getting Citimortgage to do the right thing and have these false late payment remarks removed from both mine and my wife 's credit reports!
Product: Checking or savings account

on XX/XX/XXXX at XXXX XXXX I was at XXXX XXXX XXXX XXXX  where I attempted to withdraw {$100.00} out of their ATM machine ( XXXX ) with a total charge of {$110.00} but did not receive any money. I immediately waved over one of the casino employees who then called who I think was security or something. his employee number was XXXX and his name is XXXX XXXX. He is the fellow in the photo standing at ATM machine, speaking to the ATM people and documenting the transaction, photo attached. He Checked the ATM machine and contacted them as well. He opened the machine up and was reading a log, and then showed me where the transaction was reversed and said I should receive my money back in my account within a couple of days, I never did. I took some photos of the machine. I do have the machine number, etc. photos that employee at XXXX name and photo and also contact it cash app, which was what I had used to withdraw the money and put a dispute in since the money did not show back up in my account. I also gave them all of the information photos, etc. that was requested it has been, almost a week and I still have not received any money and was told that they are contacting XXXX XXXX  nothing more. as this is not the first time I have had an issue with Cash App transactions with a debit card or with an ATM machine as it had taken me over XXXX months to get my money back the last time along with a threat of filing a police report up to that time everyone ignored my dispute and never got back in touch with me I do not want to get to that point as I dont have a lot of money as it is and I dont understand why the money was never immediately put back into my account anyway
Product: Debt collection

Repeated phone calls looking for someone by another name. I have had this phone number for over three years. Most recent harassment is from D & A Services, LLC., but they will sell the information to then next set of thugs to continue the harassment. When confronted with the wrong number, they claim " we do n't have this number in the system. '' This is a fraudulent claim, since they had called less than XXXX seconds before and hung up before I could get requisite information to formalize a complaint with their organization. 

If this were an incidental wrong number, this would not be an issue, but this is a concerted effort to harass by so-called debt collectors who keep selling this bad number and refusing to remove it from the database.
Product: Mortgage

I am in a modification and currently making trial payments, however the bank is selling my house out from under me. I received a notification of a assignment of right to bid this week from the bank 's attorney that was filed in the XXXX XXXX courts system on XXXX. I just paid my XXXX payment and the bank is still pursuing a foreclosure sale. further research in the court system shows a pending sale with a closed bid on my property. this is dual tracking and illegal. I have proven that I can pay my mortgage and the bank has given me a payment plan that I am abiding by and they are accepting my payment.
Product: Mortgage

Hi I filed for bankruptcy XX/XX/XXXX due to my mother passing, me losing a baby, and then I ultimately lost my job on XX/XX/XXXX. With me losing my job, my bankruptcy case was dismissed because I had trouble catching up with the payments. My case was dismissed XX/XX/XXXX and Wells Fargo had already given me a sale date. I was not given enough time to go through probate and assume the loan. Could you please help?
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously had a Capital One credit card. Unfortunately due to circumstances out of my control I was unable to continue paying on the credit card. The account was charged off XX/XX/XXXX. Recently on XX/XX/XXXX Capital One reported the account as charged off but open with a balance over the limit ( {$4600.00} ) causing my credit score to drop XXXX points. I have disputed this more than once with XXXX. Although they say there was an update to my credit report no updates were made and the information still remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unverified accounts without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$530.00}, XXXX XXXX XXXXXXXX Balance : {$260.00}, XXXX XXXX  XXXX XXXX : {$560.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting that I have paid my XX/XX/2018 lease payment 30 days late. They are showing the last payment dated XX/XX/2018. I made a payment for my XX/XX/2018 bill on XX/XX/2018. I have disputed this claim with them through XXXX XXXX and what they did was change the XX/XX/2018 status on my credit report to unknown which isn't even the month in dispute nor was that payment late or not paid. This is a false report since each months bill is and HAS been paid in full for the length of the lease.
Product: Credit reporting, credit repair services, or other personal consumer reports

WHILE I WAS IN XXXX XXXX, MORTGAGE PAYMENTS THAT WERE MISSED WERE NOT REPORTED TO ME UNTIL THE CHAPTER XXXX XXXX IN XXXX XXXX. NATIONSTAR NOTIFIED ME IN XXXX XXXX THAT I WAS BEHIND WHILE BOA HAD MY LOAN. WITHIN 3 MONTHS THE PAYMENTS WERE MADE CURRENT AND HAVE BEEN CURRENT SINCE THAT TIME. I AM ASKING NATIONSTAR TO PLEASE REMOVE NEGATIVE INFORMATION FROM MY CREDIT REPORT TO HELP MY XXXX XXXX. I AM CURRENTLY INTERESTED IN REFI OR DOWNSIZING MY HOME. IT WOULD REALLY HELP IF THE NEGATIVE INFORMATION WAS REMOVED TO ALLOW MY XXXX XXXX TO IMPROVE FOR BETTER INTEREST RATES.
Product: Checking or savings account

I received a wire today {$22000.00} from a business partner. I was able to use my debit card to access the funds all day until I went into the Truist branch and requested a cashiers check for {$4300.00} and a withdrawal of {$10000.00} because those are my funds. The teller XXXX profiled me immediately and requested a block on my account due to so called fraud activity. She stated that she could not give me the funds, because the wire was pending which made no sense as I was able to use my card all day. I said ok. I left and went to target and my card declined and I called they said there was a block on my account due to fraudulent activity. That is a lie she did that due to me being XXXX. I want my money back now and I will not be doing business with this bank again. I'am actually seeking legal assistance about this incident as the person I spoke to said that was the reason for the block me going to the teller asking for my hard earned money. Now no one can tell me when I will get access to my money. I do not want a check. I want to go in that bank and take all my money out.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally file a complaint regarding unauthorized inquiries listed on my TransUnion credit report. Upon reviewing my credit report, I noticed the following inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX, XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX I did not provide consent or authorization for these inquiries, and their presence on my credit report is concerning. These unauthorized inquiries are negatively impacting my credit score and financial standing.

I have already attempted to resolve this matter by contacting TransUnion and disputing these inquiries, but I have not received a satisfactory resolution. I have attempted multiple times dating over 120 days. 

I request that the CFPB investigate this issue and ensure that the unauthorized inquiries are removed from my credit report promptly. I also request that measures be taken to prevent future unauthorized access to my credit information. 

I have been denied credit that would significantly help my families financial standing due to these errors. Loosing over {$10000.00} in loan funds due to " too many inquiries on credit file '' Thank you for your time and assistance in resolving this matter. I look forward to your response and the resolution of this issue. 

Sincerely, XXXX XXXX
Product: Mortgage

My mortgage was transferred from XXXX to PHH Mortgage effective XX/XX/XXXX. The taxes and home owners insurance were due in XXXX of 2021 and were not paid from our escrow account. In XXXX of 2021 I received notification of delinquent taxes and that my insurance had not been paid. I contacted PHH Customer Service on XX/XX/XXXX to inform them of the issues. PHH mortgage gave me a fax number to send the notices to and I faxed them the following week. In XXXX I received additional notices that the taxes and insurance payments were still delinquent and that my insurance would be cancelled at the beginning of XXXX. I called PHH Customer Service again, they said that the taxes would be paid but they needed me to send the insurance binder. I sent the insurance binder to PHH on XX/XX/XXXX. As of XX/XX/XXXX the insurance was still not paid so we paid it to avoid cancellation. The city sent us a third delinquent notice on our taxes so we are about to pay that as well. PHH has demonstrated an inability to manage the routine administrative aspects of keeping our mortgage and our property in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am one of those involved in the Equifax hack. My SSN and personal information is now comprised. I am worried that my information will now be used to open future lines of credit in my name without my knowledge which could potentially devastate my life as well as my family 's. 

I checked to see if I was involved on XXXX XXXX 2017 and was informed on Equifax 's website that I was affected. I signed up for an enrollment notification for 1 year credit monitoring. I have not signed up as of this complaint. 

I also contacted one of the credit bureaus and had a 90 day fraud alert put onto my credit. This was done on separate advice, not from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Agencies is inaccurately reporting that the Dept of Education/XXXX account was late. I have been in XXXX  payment status for several years on my IDRP with the Dept of Education. Please assist me in removing the late payments in from my credit file. There are 7 Department of Education/XXXX accounts inaccurately reporting that I was 90 days late in XXXX and in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting my information to credit bureau without my knowledge also reporting false information about a public record verification.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The Listed information in letters and FTC violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 inructions 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

The debt was charged off in XXXX  debt collector reporting as new
Product: Credit reporting or other personal consumer reports

On Monday XX/XX/XXXX, I received an email from XXXX and XXXX that the credit card company submitted a late payment notice for a delinquent account from TD retail card. And according to Section 15 USC 1681 Section 2 this company has violated my legal rights. 

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my firt letter XX/XX/1922 to investigate the following : XXXX XXXX XXXX XXXX XXXX  # XXXX Please verify this 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 
Also a removal of in accurate address XXXX XXXX XXXX XXXX XXXX IL, XXXX I have not received anything and they have not completed any investigation. 

I also sent another letter XX/XX/XXXX demand to comply letter.
Product: Checking or savings account

Capital One closed my 360 checking account stating according to their terms and conditions they can close my account whenever they want for whatever reason. However the timing seems interesting in that I have a {$400.00} sign up bonus for their PLUS400 checking account promotion due in the next few weeks and they close my account right before payout. An absolute bait and switch here. They also closed my money market and credit cards which I have with them for many years. For {$400.00} that seemed like a desperate move. 

I filed a CFPB complaint on XX/XX/XXXX for the same issue in which the response was they never received the direct deposits required for the {$400.00} sign up bonus. However, I had direct deposits from XXXX XXXX posted shortly after account opening. The online website wo n't show my checking account history now which is super shady. I attempted to call the contact person XXXX XXXX many times but she never picked up my phone call. I do not know what has become of Capital One but I am hoping CFPB can provide justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has being not honoring my fraud request. This company refuses to remove the accounts I have submitted a police report, ftc report and affidavit. They give me the same response saying they refuse to block the information. I have already provided relevant information, due to theft and its been an ongoing dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX and Experian credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

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

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report.I recieved a 1099-C ( cancellation of Debt ) for the following charged off accounts listed below.After checking my most current report the updated information stated this account was still being reported.This account can not be reported as charge off on my credit report.Please cease reporting and delete this account. 
XXXX XXXXAcct # XXXXXXXX XXXX XXXX XXXX-Acct XXXX XXXX XXXX XXXXAcct # XXXX
Product: Mortgage

We requested an appraisal to be completed in order to rem ove the Private Mortgage Insurance on our loan. The appraisal was ordered and when the appraiser came to do the appraiser he made comments such as " expect my appraisal to be significantly lower than what you expect '' among other inappropriate comments. Once the appraisal was received the amount was significantly lower than expected. Upon review of the appraisal it was realized the   appraiser made significant errors during the appraisal. This included inputting the incorrect number of bedrooms and the incorrect square footage of the house. These errors had a direct impact of our house not appraising for the appropriate amount. I contacted US Bank to dispute the appraisal. I followed their protocol for the dispute and they had me send in documentation to show why the value was incorrect. I sent in nearly 30 pages of documents including proof the bedrooms and square footage were incorrect as well as other comparable homes in the area that were more appropriate to use for comparison value. US Bank then rejected my dispute and simply reiterated that the appraisal was correct and the value stands. They said that I sent in too much documentation for them to review. I then called them and showed them in the appraisal where the appraiser had incorrect data. They agreed the information was wrong in the appraisal, however they said that once one dispute was done there was n't anything else they could do and the value stands even though there were errors in the appraisal. I attempted to escalate this and was told the only thing they could do was send this to the " independent third party '' company who handles their appraisal process and see if they would override the value. I did research into this company and they are wholly owned by US Bank. I was told I would receive communication about this process and never did. When I reach out now I am told the case is closed due to only one dispute being allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's an inquiry on my TransUnion consumer report from a company I do not recognize. I don't have an account with them, please remove these accounts and inquires. 

TransUnion Credit Report Company : XXXX XXXX Inquiry Date : XX/XX/XXXX Company : XXXX XXXX Inquiry Date : XX/XX/XXXX Company : XXXX Date Account Opened : XX/XX/XXXXXXXX XXXX