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

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Checking or savings account

XXXX : My XXXX  passed away several years ago and I sent his death certificate to Chase Bank in XXXX before. My XXXX  was a XXXX and was working in XXXX, XXXX. And I am also a XXXX working in XXXX, XXXX too. Recently, I tried to close my husbands account in Chase Bank in XXXX since that one only has his name and the amount is only about {$2500.00} USD. This account was set up because of direct deposit from XXXX employer. The bank XXXX asked to notarize for his death certificate which I did and I also went to Michigan XXXX Department and got the authentication. But the bank still asked to have several more document. Here is what they want : XXXX or XXXX XXXX Seal for Death Certificate Foreign Probate ( with cert translation if not in XXXX XXXX or XXXX XXXX Seal ) Transfer Certificate or Affidavit in Lieu of a Transfer Certificate I asked Michigan State Department and they said they have done authentication but they dont do the XXXX. I also called XXXX XXXX  in XXXX many times but never got people answered. I also sent message to Chase Bank and ask what I can do for those document since it related to both countries. But they didnt answer. 

I am wondering why the bank set so many difficult tusks to make people so miserable? 

Thank you so much. 

XXXX
Product: Bank account or service

Wells Fargo took my payment of {$1100.00} from my XXXX account which is more than the payoff amount for the principal for my mortgage. ( {$1000.00} ) which I received in the mail after the eft had already been completed on XX/XX/2017. The money is gone from the XXXX account, but Wells Fargo has the payment listed as 'unapplied '. 
Why did n't wells Fargo just pay off the principal with the escrow balance of {$1700.00} and send me a check for the balance they owe me, and the closed mortgage paperwork? This is being done BEFORE THE MATURITY DATE OF XX/XX/2017. 
WELLS FARGO NOW OWES ME THE ENTIRE ESCROW BALANCE PLUS THE DIFFERENCE BETWEEN THE AMOUNT THEY TOOK ( {$1100.00} ) MINUS THE PAYOFF ( {$1000.00} ) FOR A TOTAL OWED TO ME OF {$1800.00}.
Product: Credit reporting or other personal consumer reports

I opened a XXXX account on XX/XX/year>. At the time of opening based off of the attached terms, I had every reason to believe that the XXXX account was a deposit account that has a debit card. Shortly after opening account, I learned that the account secure credit card. On XX/XX/year>, I contacted XXXX support and explained that I was not aware that it was a secure card & requested that the account be immediately closed. My credit reports are now showing XXXX. At the time of opening, my reports were frozen. I never gave XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) permission to access my report and open a secure credit card. Their terms are very misleading.
Product: Credit card or prepaid card

On XXXX XXXX, 2023 I purchased a lottery ticket online from The Michigan XXXX for {$6.00}. When my statement arrived, I noticed I was charged an extra {$15.00} for this transaction. When I contacted the bank regarding this charge on XXXX.23, I was told that any purchase of lottery tickets incurred an extra {$15.00} charge because it was considered a cash advance or some type of nonsense. And even though I have been a XXXXFNBO Visa customer for years and years, my complaint was disrespectfully dismissed with no thought or consideration. 

There is no reason for this outrageous charge. First National Bank of Omaha has assets of {$17.00} billion and revenues of {$500.00} million. XXXX XXXX had profits of {$28.00} billion. Neither of these corporations need my {$15.00}. This charge is blatantly ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has willfully furnished multiple reports without the written consent of the consumer causing further extensions of my consumer credit and directly caused for strife in my family due to lack of extended credit. This willful negligence that caused strife has caused for separation from my daughters mother. Transunion has since deleted such inquiries as per XXXX XXXX due to the fact Transunion has not furnished me a new report. I have mailed my complaints and demands to transunion via certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is my problem, I was refused a Credit Card because what Transunion is Reporting to XXXX - that there is a Bankruptcy on Report? 

I tried calling and calling I got nowhere with their first line of phone reps - they keep repeating over the same canned answers, I called 2 or 3 times they all say the same thing, I asked to talk to a Supervisor and they put me on Permanent Hold after 30 minutes Ive hung up that is so rude! 

I went online to Transunion to check out my Report - there is nothing Negative, and No Bankruptcy ( I did have one 11 years ago - that was removed by the other Credit Agencies early last year, and I was told Transunion did also ) I tried to Dispute this Online there is No way to do this on your website I was going to Upload the Attachment. 

I called XXXX, they told me this is what was reported from Transunion and this is all they can go by, I also applied for a XXXX Credit Card last month and I was told the same thing that this would need to be corrected, no matter what I say they need it from Transunion in writing. 

Also, the Transunion rep said there was No Bankruptcy on my report, so obviously there is a Disconnect on what he can see and what they are Reporting to me and Creditors that Inquire?? 

I tried several months ago to talk to someone that would actually listen that there was a problem with my Transunion account - after the 10 year period of the Bankruptcy dropped off in early 2019 my Credit Score with both XXXX and XXXX shot up close to 100 points higher, it never had much of a rise with Transunion showing another Disconnect that is wrong, and I was trying to explain there must be a glitch in your system. ( I never got anywhere even once I got a hold of someone it was like talking to a wall, the response was there is no way Transuonions computers are wrong and would not look any further, way over frustrated I gave up. ) Transunion has Mailed me Reports and I've looked at them side by side the other Credit Bureaus, there really is no difference at least the ones that were mailed or I can view online, but the attached is proof that Transunion is giving False Information to my Creditors, effecting my Score, my Credit Rating and being able to apply and get Credit
Product: Debt collection

XXXX, a debt collection agency, is trying to get me to pay the {$160.00} I paid to XXXX through a different third party collector called XXXX. I called the debt collection agency advising I had already paid the {$160.00} and even sent the copy of my resolution with XXXX from my complaint with the CFPB. However XXXX has ignored this and my receipt from XXXX advising that I do not owe XXXX for the account XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected : 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

In Accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXXXXXX XXXX  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 an account without my written instructions.
Product: Checking or savings account

Deposited a Mobile deposit check, it was a Massachusetts Unemployment check. 3 months later they deducted the funds from my account and would not give an explanation, or do investigation. Bank claims that check was cashed after deposit. I destroyed the check myself so that couldn't be possible. Here is a copy of email I  was sent on Wed, XX/XX/2019, XXXX XXXX. 


Hi XXXX, Were sorry to inform you that your check deposit of {$340.00} initially accepted on XX/XX/2019 h

as been returned. Weve received notice from the Federal Reserve that the bank upon which the check was drawn is refusing to honor the check. The reason for their decision : PAID - Duplicate The deposit of {$340.00} will be reversed from your Spending Account as a result of this decision from the bank upon which the check was drawn. In addition to this notice, you will receive a letter in the mail in 7-10 business days regarding this return. If you have any questions, reach out to us by tapping the chat icon in your Chime app. Thank you, The Chime Team Thank you for you help.
Product: Mortgage

I obtained a mortgage from XXXX XXXX in XXXX of XXXX. My loan was sold to PHH Mortgage in XXXX of XXXX to begin servicing XX/XX/XXXX. I have always made my payments online every month with XXXX XXXX without being charged any " convenience fees '', however, PHH is charging me a {$7.00} " processing '' fee to make my payment online or over the phone. The only way to avoid this fee is to 1 ) mail them a check or 2 ) set up auto debit ( ACH ) from my bank account ( which is exactly the same thing as paying online because my bank routing and account numbers are used for both so it makes no sense ). Basically, they bullied me into setting up my payments on Auto Draft, which I am not comfortable doing because : 1 ) I am straight commission and like to budget and pay as commissions are paid 2 ) I am afraid the draft might not pull due to computer glitch and 3 ) I don't want to pay {$50.00} for an overdraft fee to the mortgage company or my bank if my commissions are paid a few days later than the auto draft. I should have the right to pay my mortgage payment the way I choose without being charged. I called PHH on XX/XX/XXXX to complain. I told them that it was not my choice for my loan to be sold to them and I should not have to " pay '' to " pay '' my mortgage payment on my due date. They told me that the payments go through " XXXX XXXX '', who charges them. I expressed to them that they chose to partner with XXXX  and they should absorb the costs because a mortgage servicer 's responsibility is for the day to day management of my mortgage, which includes the collecting and crediting of my monthly loan payments. That's how they make their money. They shouldn't contract with XXXX XXXX if it dips into their profits. Also, I am concerned because the terms and conditions of my loan should not change and they did with this fee. My old lender did not charge a convenience fee to pay and since it was never disclosed in my original loan papers, they should not be able to do it. Furthermore, in my opinion, these " convenience '' fees are the same as " finance charges '' which changes my Truth in Lending APR. I feel like this is a direct violation of my mortgage agreement. I didn't choose to have my loan sold to PHH so it's only fair that I should not incur any extra fees. Thank you.
Product: Credit reporting or other personal consumer reports

The following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX Card Services {$3600.00}, XXXX XXXX XXXX XXXX {$28000.00} I looked at my XXXX and Equifax report on XX/XX/year> and noticed some accounts and inquiries are incorrect and fraudulent. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report 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.
Product: Debt collection

I did not consent to authorize nor benefit from account ( s ). Block and Remove
Product: Credit reporting, credit repair services, or other personal consumer reports

upon checking my credit for accuracy and found accounts in my credit profile that I did not authorize, I think they are fraudulent, a list of these account are contained in this report.
Product: Credit reporting or other personal consumer reports

Approximately 2 weeks ago I contacted XXXX XXXX  to notify them that I am opting out of sharing my consumer nonpublic information, pursuant to 15U.S. Code1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809 and16 CFR 313.7 ( f ), with all nonaffiliated third-parties, including, though not limited to the following : Equifax, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX. I have yet to receive any response from XXXX XXXX, and they continue to share my consumer nonpublic information nonaffiliated third-parties, including, though not limited to the following : Equifax, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX. Additionally, I did notify XXXX XXXX  of my revocation of my grant to it to retain my security interests and ability to transfer my security interests to anyone other than me, otherwise they are involved in securities fraud and this is reportable to the SEC for further investigation, however, I have not received any notice from them of my correspondence for their intent to follow my instructions.
Product: Credit reporting or other personal consumer reports

Upon reviewing my XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Product: Credit reporting or other personal consumer reports

There was a breach of my personal information and report at Experian XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

Wouldn't send me a debt validation. For over 8 months
Product: Debt collection

I never went into any type of contract or even know this company. Never gave them my information or authorize any kind of transaction or communication with this company at all They claim to be a debt collector.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I received an alert for a new collection from XXXX XXXX XXXX stating that I owe XXXX from the XXXX I have written all 3 credit bureaus disputing this item requesting proof of debt. I did not receive a validation letter nor does the address matches any of my addresses on file with the bureaus. My contact with them states this is for an apartment. I am a homeowner and have not rented in years. I am requesting that this account be removed from all 3 bureaus immediately and a copy of all contracts etc. so I can file a police report, at this time I have an inaccuracy on my credit reports and I'm not getting and resolutions.
Product: Credit reporting or other personal consumer reports

There is a collection account from first credit services for a membership I did not sign up for from a company called XXXX  XXXX. I requested for a contract from the company & they were unable to provide it Please remove all fraudulent collection accounts from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus continue to display information which is not pertinent including a XXXX  loan for a profit University more than 25 years ago and three collection agencies that are the result of identity theft and proven to be so more than nine times through FTC and cfpb reports. It is impossible to relieve and recall the ID stuff warnings I have on my credit since they don't make it easy to do busy making money defunct invalid XXXX loans. The credit history should be there without going to the negative and it shouldn't even be displayed since it's for a for-profit university been forgiven by the president of the United States and also invalid because of the time. My understanding that this long night have been battling for nearly 10 years don't come off during the most crucial time. Lastly I can not get any of the credit bureaus to pay attention to the questions that are up there as I was part of equifax 's data breach and my name drags through the mud with several police reports FTC reports and XXXX reports for the past 5 years. I lost an automobile because XXXX stuffed the rights to gain it back and just about every year being farthest thing from peace you could imagine. It's the hardest thing I've ever gone through in my life and continue to cost me hundreds of thousands of dollars. The only thing equifqx made up for was the joke of a XXXX dollar check on the mail. XXXX
Product: Credit reporting

I SENT LETTER TO XXXX ON XX/XX/2015 AND NO RESPONSE.
Product: Mortgage

I reached out to Ditech Financials on my sister 's behalf in the latter part of XXXX to see about applying for the HARP program, I was misinformed my a representative that the Government had discontinued the HARPS program. Upon learning that the information given to me was false, I contacted Ditech once more whom then informed me they would not be able to offer the HARP program to my sister who resides in NY due to the fact that they do not have a license to fully service her loan, being they are in AZ. We then attempted to apply for a home modification. Within days of receiving the application, two representative of Ditech informed me that they had made internal changes to their policy to not consider applicants whom had filed for bankruptcy. My sister had indicated on her application she filed for bankruptcy in XXXX of this year. She is a single working mother who is not behind on her payments but is struggling somewhat due to recent internal changes with her employer of 22yrs. She has ties to the community with family, friends, church and such and is fully committed to retaining her home. All she is in need of is some assistance in stabilizing herself and family as she goes through this financial hardship. What she is getting from Ditech is a bias resistance to assist her accomplish this. To add to that, the denial notice she received this week from Ditech says she can take her concerns up with the New York Dept of Financial Services ; however, the number provided in that notice from Ditech is for an XXXX XXXXXXXX XXXX. I find the handling of my sister 's case to be disturbingly inappropriate. She was not the one to select Ditech. Her account was transferred to them from her prior mortgage lender. That practice alone is unfair as they were not equipped to fully service her account. To add to it the misleading information on the HARP program and the policy changes made after receiving her application is unfair business practices. the XXXX XXXX only adds insult.