23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

AMEX claimed to have completed a reasonable investigation with the furnisher of information and verified these accounts as reporting 100 % accurately. However, the account is still inaccurate and AMEX is still continuing to report errors on my credit file, violating my rights and damaging my credit score at the same time. Recently, I received notice from XXXX that they had deleted this account that AMEX reported for inaccuracy. I am now requesting that AMEX do the same and delete the account. Delete the account AMEX XXXX for inaccuracy because the date last reported is XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX XXXX The Date last active reported is XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. The date of the last payment reported is XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. The account status is reported as paid on XXXX and derogatory on XXXX. Each XXXX has a different historical payment date. Delete this account for inaccuracy because XXXX bureaus report different information. AMEX has violated my rights numerous times. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) states 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.

15 U.S.C. 1692 Section 806 Section ( 5 ) Causing a telephone to ring or engaging any person in a telephone conversation.

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 states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section which 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 1666 ( B ) states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S.C 6802 ( a ) states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice.

15 USC 1692 ( c ) ( a ) states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692 ( b ) ( 2 ) states Any debt collector communicating with any person other than the consumer shall not state that such consumer owes any debt.

15 U.S.C 6802 ( a ) ( b ) states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice.
Product: Debt collection

Company calls after I sent a written Cease & Desist notification. Also, robo-calls using an ATDS to my mother 's mobile. I have previously provided both the Company and its client documentation regarding my father 's death and that I am the executor for his estate and POA for my mother.
Product: Credit reporting or other personal consumer reports

I have received a XXXX XXXX from a monitoring site. XXXX to an address that was linked to my credit report that I have no recognition or any knowledge about this address. 

Alert Date : XX/XX/2024 Source : Trans Union A new address has been reported in connection with your credit file. If you have not recently shared this information with a creditor, contact customer service to investigate. 
Address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like this investigated and removed from my credit profile and account. I am not nor have I ever been associated with the above address.
Product: Mortgage

I am a HUD Housing Counselor working with a client whom has aXXXX XXXX loan, serviced by Caliber Home Loans. I have been activelypursuing a loan modification since XXXX 2015. For the last XXXX months theunder writing department has been requesting " additional " documentsweekly, which extends the time frame and out dates recent pay checks, bank statements, etc. This in turn creates in the servicers eyes an " incomplete '' request.
Product: Mortgage

In XXXX of 2021 my escrow was re-analyzed by Mr. Cooper and my mortgage payment went down starting in XXXX. Because Mr. Cooper was late sending out this notice, my autopayment sent a mortgage for the old amount of {$1500.00} and not the new amount of {$1300.00}. I reached out and asked the extra to be applied to my principal. 

Immediately I started seeing unusual charges on my account like " Maintenance '' and " Lender Paid Expense ''. I started inquiring about these fees and was told they were related to " property registration that was filed in 2021 due to a delinquent account ''. I've never missed a payment so I started inquiring about why that happened and specifically who they paid the fee to. I tried via long phone calls and also via emails to XXXX, XXXX, XXXX and XXXX. I also spoke to the PA Dept of Revenue and the boro where the property is and nobody knows anything about delinquent accounts. 

Because the Mr. Cooper message portal marks every message as " resolved '' and disables replying, my only options are to sit on hold for hours to be connected with someone who says " they're looking into it '' or email people who then reply with paper mail saying " they're looking into it ''. 

I just received another statement with another " maintenance '' fee. I honestly think Mr. Cooper stole the money and is just avoiding me because they can't provide a receipt or recipient of where this money went or why. 

Any statements included show unexplained fees.
Product: Debt collection

I received a alert from XXXX XXXX that a new account has been added to my report and affected my score. I checked and it was from EOS CCA collection company in the amount of {$1200.00} from XXXX. I called the number provided by credit karma and called EOS. I gave them my S.S # 3 times and they could not find any account. Finally when I gave my phone # that 's how they located my account. Now I canceled my service with XXXX in XX/XX/XXXX after being a customer for over 7 years. I was not aware or told that I will be charged for cancelation of a contract with XXXX. I even called back in XX/XX/XXXX because I was charge a payment in XX/XX/XXXX and still was not told about the contract fee. I asked the collection company why I never received a collection letter or phone call. they said one letter was mailed to the address I moved from and they called me 35 times but it 's their policy not to leave any message. How am I suppose to know that I have a bill. I also called XXXX and was told it is stated in my contract that if I cancel my service a % 70 fee will be charge. A contract that I signed 7 years ago and no longer have to review. When I asked the collection rep why they did n't try to contact me instead of sending it off to collection they told me its my responsibility and they do not leave message either in regards to any collection. Now how am I suppose to know of a fee if I was not aware of it or even try to make payments on it had I know about this. I have a very good credit score, I work hard to keep all my recent credit accounts paid to date for something that I was not aware of or given the right to dispute or make payments on it. this collection has affected my credit score now. Mind you I did ask the collection company if I can make {$30.00}. payments since I 'm a stay at home mom. My husband is XXXX in the military and he pays all bills. I was told NO unfortunate they will only accept XXXX a month for 12 months for full payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX ACCT # XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX BANK ACCT # 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and S financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : Summary of Accounts being Challenged in list form : 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, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on 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 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: Checking or savings account

I have a checking, savings, mortgage and two credit card acts with Chase Bank. On XX/XX/XXXX I made an {$8000.00}. dep. to my Chase checking acct. the check was written by a business on XXXX XXXX XXXX. On Tues. XX/XX/XXXX, I checked my acct and the XXXX funds were available. I transferred XXXX to an external acct. XXXX XXXX Bank checking ). Later that afternoon I received a low balance alert from Chase. I checked my acct immediately and saw that Chase had put a hold on XXXX of the XXXX. I deposited. I called the bank and spoke with numerous people in different departments, two hours later, I was finally able to reverse the transfer and not be overdrawn in my Chase accounts. However, Chase put a hold on the XXXX dep. until XX/XX/XXXX. I checked with the company that issued the check and they provided me with proof that the check drawn on XXXX XXXX XXXX cleared on XX/XX/XXXX. I still dont have access the funds. This is totally unacceptable. As an aside, I have deposited checks before from this same firm to Chase and none have ever been returned. I have never deposited a check to Chase that has been returned, nor have I written any checks that were returned for NSF. 
Do I have any recourse? I cant believe they can hold my funds for 6 business days after the check cleared the bank?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting North state acceptance 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 2 : 604 A section also states a consumer reporting agency can not furnish a account without my instructions.
Product: Bank account or service

I opened an account online, but never received my XXXX XXXX account opening disclosures. Unless I 'm mistaken, they never mailed, emailed or stored them electronically on online banking. I called the call center ( maybe XXXX? ) to find out where I could get them. She told me I 'd receive them by mail in XXXX10 business days. Well, I opened my account on XXXX and I still do n't have the disclosures. How am I supposed to know how to avoid a fee if I do n't have the disclosures?
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX U.S.C. 1692c ( b ). that law clearly states In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from thedebt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving suchcommunication.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of theconsumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of anydebt, with any person other than theconsumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of thecreditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumerwishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that thedebt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that thedebt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector orcreditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
Product: Checking or savings account

I went to deposit via XXXX a paycheck I had received from a previous employer, while doing so I noticed a check cashed transaction I was unfamiliar with, taking money out of my account. I called capital one to report this fraudulent activity and they closed my checking account and then requested I open a new checking account, they said there was no way they could put a stop payment on this transaction and this was the course I was required to take. Upon trying to open an account, I was denied being able to open account even though I have banked with capital one for over a decade. Now I have no use of my account, my account is negative, they can not open a new account manually for a week, I have kids and a significant other to support, now I can't, now I can not use my debit card, I have to re-arrange all my direct deposits from residual income I have that comes in, and I have no new account number to be able to do this. The check I deposited won't be available until the XXXX because the new account won't be available until the XXXX and today is the XXXX. This also puts me behind on my auto payment which is also with capital one. I asked to speak with a supervisor and they couldn't do anything to help fix this. Now I have no access to my money, They were unwilling to put a stop pay on a fraudulent transaction I discovered on my account and my debit card doesn't work and can not be linked to a new account. It kind of seems to me that they just wanted to close my account so they can have a new account opening instead of servicing my account and putting a stop pay on that transaction for a check I did not write and a business I have no business with. This is completely frustrating. Capital one, once again, forcing customers to do things they did not want to do, and then to have an account open for over a decade, have it closed without my request, and then deny me opening a new account, per their instruction, absolutely no okay and not called for.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband went to XXXX XXXXXXXX to view a car. I was not present. 
XXXX  XXXX ran my credit report without my authorization and had 4 companies pull inquiries on my credit. I was not in attendance nor was anything signed. None of this was authorized. Later, I did purchase the car and paid cash. No credit was involved. 

All happened on XX/XX/XXXX. 
SANTANDER CONSUMER USA Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my EIGHTH written request for Method of Verification. Your company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB, XXXX, Attorney General, and Secretary of state. These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be Deleted Immediately. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX Mail tracking in case needed to pursue further legal action. I demand the following accounts be removed immediately. 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 This is my final warning. I am currently working with a law firm to sue the three reporting agencies and especially the consumer finance protection bureau for all your negligence in this matter! I Demand these accounts are deleted immediately or you will be hearing from my lawyers!
Product: Credit reporting or other personal consumer reports

I have sent multiple dispute letters to XXXX regarding inaccurate information on my credit report. Despite providing evidence, XXXX has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically : 15 USC 1681e ( b ) : XXXX has not ensured the maximum possible accuracy of the information in my credit file. 
15 USC 1681s-2 : XXXX has continued to report inaccurate information after I provided notice of disputes. 15 USC 1681 ( 5 ) : XXXX has reinvestigated and reinserted disputed items without notifying me, as required by law. 15 USC 1681c ( c ) : XXXX has reported obsolete information that should have been excluded from my credit report. Recently, I became aware of the lawsuit filed by the CFPB against XXXX on XXXX XXXX XXXX  titled " CFPB Sues XXXX for Sham Investigations of Credit Report Errors. '' According to the CFPB, XXXX has failed to conduct proper investigations and has even reinserted errors on credit reports, which aligns with the issues I've been facing. 
XXXX 's failure to comply with these laws has caused harm to my creditworthiness, limiting my access to credit, employment, and housing opportunities.