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

I recently disputed the account XXXX XXXX XXXX with Transunion. I have not received any dispute results. It has been over 30 days. Transunion has violated my consumer rights. Transunion has violated 1681i ( a ) ( 1 ) ( A ) of the FCRA.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX put a collection on my Experian credit report for {$5900.00} with a date opened of XX/XX/XXXX. This is incorrect, as the debt they are representing was acquired over XXXX years ago and was XXXX on XX/XX/XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX under my maiden name of XXXX XXXX XXXX The debt was acquired under my maiden name of XXXX XXXX. My name changed on XX/XX/XXXX to XXXX XXXX upon my marriage, proving that this debt was obtained over XXXX years ago. 

I filed a dispute with Experian and they concluded that the information from XXXX XXXX XXXX was correct, when it is not and they illegally placed this on my credit. I also spoke with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to let them know that the debit is too old to collect and was included in a XXXX XXXX. 

This is my last effort before contacting my XXXX  attorney to file a complaint agains Experian and XXXX XXXX XXXX to compel the removal and for damages, so any support to get this removed is appreciated. 

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

I asked the Equifax agency to update my credit report for a closed account that is reported as open, in XXXX and was reported for the second time in XXXX.
Product: Debt collection

This account had originally been around {$4000.00} (? ). My husband had been helping with this payment for while at an agreed upon {$150.00} every month. He then stopped helping me and we do not share an account so I do not have access to any money other than what I receive from XXXX ; which is n't enough to pay my bills. I have not been able to work since XXXX 2011 due to multiple debilitating health issues including XXXX. I tried to explain this situation to the hospital via phone and in writing. I continued to make payments albeit not every month, but I told them I could pay a much smaller amount then the {$150.00}. I expressed that I was concerned about the situation and that I wanted to pay it off so they could receive what was owed and I could protect my credit. After my last note to them I never heard anything for months. I was n't sure what was going on and I suppose I optimistically and foolishly hoped that perhaps they wrote the account off since at least XXXX had been paid and also due to the difficulty of my situation. I had testing done the other day at the hospital and while scheduling this over the phone this was mentioned. I attempted to explain the situation again and was told I could set up plans to make a new payment plan. Instead, I found out through XXXX XXXX that I had been turned over to collections. I do n't really fair this was fair as I was trying to work with them, but could n't afford to pay what they wanted to my financial, marital, and health situation. I did not see any notice indicating I was being turned over to collections. and this was going on my report.
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question.

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, OH, XXXX Incorrect XXXX : - XXXX  Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Mortgage

When the XXXX XXXX XXXX XXXX banned XXXX XXXX XXXX from doing business for a few years and fined them for, basically, stealing, they transferred my mortgage ( which they'd had since 1997 ) to Rushmore Loan Management Services LLC. I've never been late on a payment, so I asked Rushmore why all their correspondence, statements, etc. state they're from a debt collector ( the mandated usual notices ) and was advised that it was " just a legal requirement '' which doesn't really answer my question : how can I be turned over to a " debt collector '' for servicing when I was never in default nor asked for loan modification? XXXX XXXX XXXX should probably be the one answering this question, not Rushmore. Thank you!
Product: Checking or savings account

Im am bring over charged on my account for overdraft fee for money thats in my account
Product: Credit card or prepaid card

For the past 3 weeks I have been sending Capital One identification and social security cards for authorized users on my accounts to have my Capital One accounts un restricted. I've called capital one multiple times regarding the system not accepting some documents. Also, I told the customer service rep XXXX ID XXXX, that according to the Privacy Act of 1974 some of my authorized users won't be submitting documents. XXXX was no help. A manager by the name of XXXX was also no help and I spoke to her two weeks ago. I am continuously submitting documents on behalf of authorized users and nothing is being done. Capital One is costing me time, stress and also due to the pandemic I am tight on funds and Capital One locked my accounts. The representatives are horrible with customer service and assistance and no supervisor/manager is un restricting my accounts and I have submitted the documents more than once. I will be reaching out to the CEO via private mail as well to resolve this issue. I've been a customer for 3 years now and Capital One is committing deceptive practices assuming I'm some " Fraudster '', when in reality the people behind Cap One are Fraudsters. I will also be taking action if this isn't resolved immediately. 

Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 50 days. Furthermore, under 15 U.S.C. {$16000.00} ( a ) ( 5 ), any intormation tound to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputing ].

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If XXXX fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 
Sincerely, [ XXXX XXXX [ XXXX ]
Product: Checking or savings account

PNC has my account noted so that any refund request made will be denied. This is unfair practices and discrimination. Each request should be researched and approved or denied based on each individual transaction or situation. I spoke with XXXX on XX/XX/22 and a request for a {$36.00} fee to be returned to my account was denied. PNC has low cash mode linked to my account which allows more time to deposit before being charged. My paycheck was deposited within this time frame which was the reason for my request. PNC has determined my account is no longer eligible for refunds no matter the situation and this is discrimination.
Product: Mortgage

My investment property value has increased to more than double the original loan amount, so I requested a cancellation of my PMI insurance from my previous loan servicer. They agreed to the cancellation effective XX/XX/XXXX. My current servicer bought my loan in XX/XX/XXXX. 

The new servicer has twice refused to allow the PMI cancellation until the loan has " seasoned '' by having no late payments for XXXX more years. I have owned the home since XX/XX/XXXX with no late payments. 

My online searches concerning Dood/Frank legislation reveal that an increase in value is a valid reason to cancel PMI insurance. My loan has already " seasoned '' for 6 years with no late payments. 

I contend that they do not have the right to deny PMI cancellation because they bought servicing rights to my loan and chose to reset the " seasoning '' clock.
Product: Debt collection

World finance company was paid in bankruptcy back in XXXX, they are still harassing me trying to collect from something that was wrote off in bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, I sent a letter to XXXX, after already disputing the account, stating a settlement offer on an account. Upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/2020, the XXXX XXXX XXXX XXXX, # XXXX was cashed. As of XX/XX/XXXX, I have not received any notice and the account is still showing on my credit reports. I disputed the entry still being on my credit report with Equifax and they came back as verified account but did not removed and said it would remain. I request all references to be removed from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX ( Bank ) : XX/XX/XXXX : XXXX XXXX XXXX  ( Bank ) : XX/XX/XXXX : XXXX ( Bank ) : XX/XX/XXXX : XXXX XXXX ( Finance ) : XX/XX/XXXX : XXXX XXXX XXXX ( Bank ) : XX/XX/XXXX : XXXX XXXX  ( Bank ) : XX/XX/XXXX : XXXX  XXXX ( Bank ) : XX/XX/XXXX : XXXX ( XXXX ) : XX/XX/XXXX : XXXX XXXX XXXX ( Finance ) XXXX XX/XX/XXXX : XXXX XXXX ( Bank ) : XX/XX/XXXX : XXXX XXXX XXXX  ( Finance ) : XX/XX/XXXX : XXXX XXXX XXXX ( Bank ) : XX/XX/XXXX : XXXX XXXX ( Bank ) : XX/XX/XXXX : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have had a personal loan through XXXX for almost two years. We have NEVER been late. We set this account up for automated payments through their website for the month of XXXX since we knew we would be out of state and unable to access the internet, banking or email. Upon arriving home on XX/XX/XXXX, we received notification that the XX/XX/XXXX payment was not received by them and they had reported us 30 days late to the credit reporting agencies. Due to our impeccable record, the mix up on the automated payment system and the fact that we made the payment as soon as we were aware ( XX/XX/XXXX ) we requested a ONE time credit suppression from XXXX. We feel that our request is reasonable but XXXX is acting unreasonable and will not provide us with a satisfactory or courtesy resolution.
Product: Credit reporting or other personal consumer reports

When I called the company on XX/XX/year> at XXXX I spoke with a representative in regards to receiving my 1099C form for tax purposes for the charge off account reporting to my credit. I was informed from the higher ups according to the representative that the company did not in fact have a 1099C for the account on record and that my account was still open even though its reporting on my credit as in collections/charge off. I was then informed by the representative that the company meant write off and not charge off resulting in my account actually still being opened and not closed. Thats falsely reporting information on my credit report which is against the law. This is not ok!
Product: Money transfer, virtual currency, or money service

No monies were ever returned nothing was resolved. With block, inc.
Product: Debt collection

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from, my credit reports. List all those negative accounts from your Equifax credit reports. Account names and account numbers and file Your complaint with the CFPB
Product: Debt collection

I am disputing the following account as creditor is unable to verify debt in its full truthfulness. As his debt collector is not entitled to collect on a debt in the state of Florida.
Product: Credit reporting or other personal consumer reports

I need your aid in resolving the incorrect account reflected on my credit report. The issue has hurt my reputation, and Im reaching out for your help. The mishandling of my report has left me devastated, so I insist that this inaccurate information be removed.
Product: Credit card or prepaid card

Today,XX/XX/XXXX I received and opened my latest credit card bill for the store, XXXX XXXX XXXX. As I just paid my bill on XX/XX/XXXX, for the amount of XXXX dollars, I was expecting my balance to be around 95 dollars. It was XXXX dollars last month. I was very upset and surprised to see that the balance was XXXX dollars. When I called the customer service number on back of the card, I was told by the service girl that she could not remove the late fee because I had been given a removal last year in XX/XX/XXXX I said I paid the bill on time by the due date and they did not have a right to charge me and she tells me it was suppose to be by XXXX, and I paid it at XXXX XXXX I told her the bill does not state time just the date. Later that afternoon, I called back and was given the same run-around. This robotic style woman tells me the due times are on the back not the front of statement, ( how convenient ). I checked the times just now and they say XXXX eastern time, or XXXX at the store, so therefore I am positive they are lying to me because she said XXXX. The supervisor was like a robot who could n't put her robot script away to help me, so I told her I would be contacting the consumer finance complaint department to help me out. I would like the late charge to be removed so I can pay off the entire balance by the next week or two before the deadline that they out of the blue are imposing. I also think they can do better or lose me as a customer.
Product: Credit reporting or other personal consumer reports

" I'm stressed about my collection account because it feels like it's weighing on my financial stability and causing a lot of XXXX Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else Im dealing with right now
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I wrote an inquiry dispute letter to XXXX XXXX XXXX regarding an unauthorized inquiry on my credit report. CarMax responded on XX/XX/XXXX advising a photo identification was requested on order to autheticate the applicants identity before the inquiry was made. Hence, I never provided any such info to CarMax nor has CarMax supplied me with a copy of my own PHOTO identification stating I made the inquiry. The inquiry was made without my consent or knowledge.
Product: Debt collection

Jefferson Capital System s aid i owe  XXXX   XXXX  After reviewing my recent credit report i contacted the company letting them know this not my debt and do not have or ever had a account with them asking them to remove this account through letters the company did not respond more then a month and a half  XXXX   XXXX  Bank said i owe them  XXXX   XXXX  i contacted them through letters stating this debt is not mine asking them to remove it but 2 month have gone by with no reply   XXXX    XXXX  has inquiries on my credit file  XXXX ,  XXXX  and  XXXX  that should not be there. i have a credit card account with them in good standing These are soft inquires so why do they show up on my credit fil e  XXXX  rep ort a inquiry  XXXX  i never applied for credit  with  XXXX  i sent letters requesting them to remove the inquiry with no reply
Product: Mortgage

Stearns Lending, through a loan processor, provided a pre-approval letter for {$330000.00} prior to reviewing bank statements, which showed a new debt. As a XXXX time homebuyer, we thought it would show up automatically on our credit report. We believe that it was the role of the loan processor and underwriter to review requested documents prior to providing a pre-approval letter, which should have been factored in. After receiving the pre-approval letter, we began to search for homes. We found a home and went into escrow, which we had to pay {$300.00} for an inspection. Once the inspection was completed, the loan processor requested payment for the appraisal, which was deducted from my husband 's credit card for the amount of {$520.00}. A day after this request, the loan processor contacts me to alert me of the new debt that was not detected a month prior to escrow, which caused our loan not to be approved. Also, in the meantime, we did not receive the overview of the appraisal that was paid in full. Because of the incompetence of the lender, loan officer, and underwriter, we decided to cancel escrow. The loan officer sent us an email stating he will accommodate us for the upfront fees paid. During this process, the lender states that we are responsible for the appraisal and the only way we can receive a credit for the appraisal is if we continue with another transaction to where we were pre-approved on a revised amount for {$240000.00}. We declined, but the lender reiterated this is the only way we will receive our appraisal funds paid. But mind you, we never received the appraisal information because of this situation of the new debt found. We do have supporting documents through email, the pre-approval letter, and the receipt of what was charged for the appraisal from my husband 's credit card. We believe if the new debt was caught in the beginning prior to the pre-approval letter, we would not have paid the upfront fees to move forward with a home purchase that we did not qualify. Overall, they did not take accountability for their actions, and we lost {$820.00} which we would like refunded for the misleading information. We can also forward you the emails to prove they are authentic.
Product: Bank account or service

I was overcharged throughout XX/XX/XXXX and XX/XX/XXXX, and am possibly still being overcharged by Regions Bank on overdraft protection. I 've taken out " overdraft protection '', which is a loan that kicks in when I do write a check or checks that exceed my balance. However, I was still hit with overdraft fees, as if I was n't repaying the said overdrafts with a loan I 'm responsible for repaying. This has gone on through most of XX/XX/XXXX. I have n't over drafted this year, so I ca n't comment on where things are right now.
Product: Money transfer, virtual currency, or money service

paypal doesn't allow me to talk to customer service i need to be logged in, the problem is that the account was compromised and the account password changed. been trying to fix this for months. i can not get anyone on the phone and i can not log in.