23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/23 I was denied my own extension of credit which is fraud. I signed the application which they securitized and made a security. I wrote them a letter stating I am writing to dispute the adverse action taken against me by your institution, which I believe to be in violation of 12 CFR Part 1002 Regulation B, Title 15 U.S. Code 1602 ( p ), Title 15 U.S. Code 1644 ( f ), and Title 15 U.S. Code 1611. The adverse action in question pertains to the denial of my recent application for [ Credit Card ]. 

On [ XX/XX/23 ], I received a written notice from your institution, indicating that my application for [ credit card ] has been denied. The specific reason ( s ) as to why I was denied is irrelevant because I have the right to credit and withholding my securities is securities fraud! Your institution is in clear violation of the Equal Credit Opportunity Act and Consumer Credit Protection Act! 

In light of the above violations, I kindly demand, Since I have been denied access to my own credit, that you please retract my application! 
Please acknowledge receipt of this dispute letter within 10 business days and inform me of the actions taken to address my concerns. Should you require any additional information from me to facilitate this process, please do not hesitate to contact me. 

UCC-1 filed by the federal reserve system tells me that I am entitled to my own extension of credit. See attachments.
Product: Credit card or prepaid card

My complaint is about a payment I made that was not recieved by credit card company XXXX XXXX  on XX/XX/2018 I made payment online that was comfirmed by XXXX XXXX XXXX web site, that the payment went through and would be process ,30 days later I discover to my surprise that I had been reported to the credit bureaus by XXXX XXXX for late or never received payment.My payment was never received by XXXX XXXX  although i made payment on their web site when i called XXXX XXXX they told me if i tried to make a payment on line using a cell phone that the payments or not received that way and that i must first download a certain app to pay from my cell phone, I had no information about this needing to download an app before hand, XXXX XXXX didnt inform me that i couldnt pay this way nor did their website explain anything about needing to download an app to pay when using a cell phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request. I don't understand how credit reporting agency can use stall tactics to hurt the consumer. / my credit is being ruined, im being denied and on the verge of homelessness
Product: Mortgage

After looking up our escrow analysis performed by Nationstar on XXXX XXXX, XXXX, we noticed a refund due to us in the amount of {$1700.00}. 
The escrow refund check is dated XXXX/XXXX/XXXX. 
XXXX/XXXX/XXXX Called Nationstar to request check. Spoke with XXXX, she sent request and we were told we would receive check by mail. XXXX confirmed mailing address. 

XXXX/XXXX/XXXX Called Nationstar to request check. Spoke with XXXX, she apologized that previous representative did not put in request for check. They will research if check has been cashed and send out a new one to us by mail. XXXX apologized that nothing had been taken care of and confirmed the mailing address. 

XXXX/XXXX/XXXX Called Nationstar, spoke with XXXX, she saw our calls logged in our account on the computer on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. She will research if the check was sent to us and assured us it would be taken care of. 

XXXX/XXXX/XXXX Called Nationstar, spoke with Sue in the XXXX escrow office, she noticed on the computer that the check was not entered back into our account. She updated the system and she assured us we would be receiving check in XXXX business days. 

XXXX/XXXX/XXXX Called Nationstar, spoke with XXXX, he looked for check in computer. He said he would put a research request out to see what happened to the check. We said, " NO, that 's not good enough, we need someone that can help us now, this is the 5th time someone has put in a 'research request ' ''! XXXX said, " Ok, hold on ''. 
Supervisor XXXX came to the line and offered to direct deposit our check. 
XXXX instructed us to include our loan # and send a voided personal check to : XXXXXXXXXXXX We let XXXX know that we have been dealing with Nationstar 's criminal activity for over 6 YEARS now and that he could look at our account and see all that has happened. 
XXXX apologized that we have a bad taste in our mouth with Nationstar. 
Emailed voided personal check including loan # to XXXX on XXXX/XXXX/XXXX. 

Due to a family emergency in XXXX, we were unable to follow up. 

We received a letter from Nationstar dated XXXX XXXX, XXXX that our insurance had expired. We called immediately and left voicemail that all of the information was the same as last year that they have on file. 

XXXX/XXXX/XXXX Called Nationstar, spoke with XXXX, she said that they called our insurance company and left a message requesting updated insurance information. 
We replied that this was not good enough, it is Nationstar 's job to pay the insurance bill from our escrow account. 
We asked XXXX to call our insurance company while we were on the line. 
XXXX spoke with XXXX at our insurance co. and XXXX said she would overnight our insurance payment. While I was on the line I confirmed all information the same and updated between Nationstar and home insurance. 

We confirmed insurance was paid by Nationstar from our escrow account. 

XXXX/XXXX/XXXX We have still not received refund from escrow account due to us.
Product: Debt collection

XXXX XXXX, collecting for XXXX XXXX, never sent me a Dunning Letter for this debt. Further, this debt is not mine. No contract exists and any dental care was not provided to me or with my authorization. My certified mail request for debt validation/verification, upon discovering this erroneous information on my credit report, was returned deliverable to the address provided by this company. Because this notice was not properly served, this is a clear violation of the law governing debt collection. Further, I have not had a chance to request verification/dispute this debt, where I attempted to formerly request a contract with my signature, information on the services provided, and clear demonstration of my financial liability for this debt ( which does not exist ). I also walked into XXXX XXXX and gave them the correct contact information for the individual who owes this debt prior to this assignment of this debt to this debt collector. If this erroneous debt collection is not discontinued immediately, I will file in small claims court for violation of FCRA. Further, I have reason to believe that due to such a blatant error, this dental office does not maintain appropriate HIPPA privacy practices and I will file formal complaint against them as well.
Product: Credit reporting

The following names below are spelled incorrectly or are wrong : 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 The following addresses below are listed incorrectly or are n't mine : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( missing lot # ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( not mine ) XXXX XXXX XXXX XXXX XXXX FL XXXX ( not mine )
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding a credit reporting issue involving inaccurate and unverifiable information on my credit reports maintained by XXXX, Experian, and XXXX. Despite my repeated attempts to dispute the validity of the account, the reporting entities have failed to provide proof of a contract or agreement that allegedly binds me to this debt.

1. Lack of Proof of Contract : I have sent multiple written notices of debt dispute to both the creditor/collection agency and the credit bureaus requesting proof of the original contract or signed agreement. However, neither the creditor nor the credit bureaus have provided any verifiable documentation to substantiate this accounts legitimacy. This failure to provide the requested information constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported be accurate, complete, and verifiable.

2. Inconsistencies Across Credit Bureaus : In addition to the lack of verification, the information reported by XXXX, Experian, and XXXX is inconsistent. The account details, including balances, dates, and statuses, vary significantly between the three bureaus. This inconsistency further indicates that the information is inherently inaccurate, violating the FCRAs accuracy and completeness requirements.

3. Inadequate Investigation by Credit Bureaus : When I initially disputed this account, the credit bureaus responded by stating that the information was " verified as accurate. '' However, they failed to provide any documentation or specific explanation to substantiate their findings. This inadequate investigation does not satisfy the FCRAs standards for resolving consumer disputes. 

See Also previous Disputes : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had a TD checking account that had a {$2500.00} minimum balance to avoid monthly fees. I am a XXXX in college and studying in the XXXX. Before I left for college in XXXX 2017, I converted my account to a basic account so I could take my money with me to college. I left a small balance ( {$25.00} ) in the account to keep it open. When I returned to NY in XXXX I learned that my account had been charged {$15.00} per month for four months and then the negative balance of {$35.00} written off and the account closed. When I went into a branch, the representative told me I should have changed the account to a student account which has no minimums rather than a convenience account that has {$100.00} minimum. I was not told of this option when I converted my account in XXXX. I would like to have these four {$15.00} fees waived and my account reinstated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX  Account number : XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account number : 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 Delete the accounts
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I'm writing to bring to your attention a matter of utmost urgency and frustration. I've been dealing with Experian for over a month now, trying to get a fraud alert removed from my credit report. I've reached out to them over a dozen times through various channelsmail, email, and their online upload form. Despite my repeated and explicit requests to remove the fraud alert, they've managed to do the exact opposite : they keep adding new fraud alerts to my account. 

This isn't just a minor inconvenience ; it's causing real financial harm. I've been trying to get approved for a line of credit, and these additional fraud alerts are making it impossible. Every time a lender checks my credit report, they see these alerts and back away. It's like being stuck in a financial XXXX XXXX, and it's entirely due to Experian 's incompetence. 

I've followed all the procedures, filled out all the forms, and yet here I am, still stuck with a credit report that's doing me more harm than good. It's beyond frustratingit 's negligent. I've lost opportunities and time, and I'm at my wit 's end. I'm asking for your immediate intervention to resolve this issue and hold Experian accountable for their actions. 

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

These are the reports I have already filed with Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Yet the sheer incompetence and lack of a way to get in touch with anyone by phone, in comparison to the other credit agencies where you can easily get a human, is the reason I am filing this complaint.
Product: Checking or savings account

I opened a money market account in person with Truist ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) on XX/XX/2024. I funded this account with a cashiers check of {$5000.00} from my local credit union ( XXXX XXXX XXXX XXXX ) my identification was verified multiple times during the account opening process and the check went into my account as pending.

Fast forward to Tuesday the following week. I logged on to check the status of my account when it notified me I was blocked and needed to contact Truist. I contacted Truist only to be told several times that they were closing the account due to fraud but they couldnt provide any information as to what was fraudulent with my account. They told me to call back in 3-5 business days for an update and that a Truist fraud analyst would be reaching out to me for more information. I still have heard nothing from a Truist analyst and the fraud department still repeated the same call back in 3-5 business days for an update I have made contact with XXXX XXXX who XXXX my account for me. She told me she would make some phone calls and get back to me. I had to forcefully call her back several times for the update to which she replied there was basically nothing she could do and that they decided to close the account and send me a check in the mail for my deposit. She gave me a reference number for early warning signs but it was basically useless as they told me to contact Truist again to find out why it was closed. She also referred me to call the Truist fraud department to get a time frame on when my return check would be mailed to which they still replied call again in 3-5 business days I called XXXX again this morning to tell her none of her answers gave me any solutions. XXXX told me she would again make some calls and call me back with answers. XXXX has since failed to reach out with more information and seems to be ignoring my calls to her direct extension. 

I am beyond frustrated that my money has just been stripped away from me like this. Everyone I speak to at Truist are like robots repeating the same script theyve been told to say. I was told my money would be safe and secure with this account and now I feel the complete opposite. This account was made to house my emergency fund and now that fund in gone until they determine when theyll send me a check for it. Ive heard horror stories of this same issue and it taking years to receive the deposit back. I can not wait that long. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  XXXX is repeatedly violation of FCRA 623 ( a ) ( 5 ) ( A ) They are re-again the accounts, I have documentation that proves that XXXX shows that these accounts have been settled in full as of XX/XX/XXXX and the company is reporting that I am late XX/XX/XXXX and XX/XX/XXXX. This is a major violation of the FCRA. 

Transunion also is not complying with the FCRA to remove these accounts.
Product: Mortgage

My mortgage was immediately sold to Caliber home loans. Since then they have not once correctly calculated my escrow accounts or had accurate payments. 
Now they can not handle that my county has me on once a year payments and I have been fighting with them for months to update this info and re-run my analysis before my payments jump in XXXX and I just keep getting run around in circles while they perform incorrect calculations ( which they admit ) But say they can do nothing about until " research '' finishes but can't give me a timeline on that as well, even after a fairly useless escalation process. 
I have been working on this with them since XXXX with nothing done other than them continually running " analysis '' that has been incorrect per not only my math and the county website, but their own reps on recorded lines.
Product: Credit reporting or other personal consumer reports

I recently pulled my TransUnion credit report on XX/XX/XXXX. I've also noticed account # XXXX XXXX XXXX XXXX XXXX XXXX. Is reporting 30 to 59 days late and reporting in the pay status column as ( Was 30 day past due for XX/XX/XXXX. TransUnion is knowingly reporting inaccurate 30 day past due payment delinquency XX/XX/XXXX in the payment staus column. TransUnion has also exceed the 30 day investigation ( From XX/XX/XXXX to XX/XX/XXXX, they never produced the original contract, nor did they prove any delinquency in the payment History. That I ever had a delinquency for XX/XX/XXXX. This account was paid in full XX/XX/XXXX. According to 15 U S C 1681 s-2 Reporting information with actual knowledge of errors. A person shall not furnish 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. TransUnion did not perform any investigation into this knowing error reporting on my credit profile. ( See Attached Documentations ). According to the reported information in my TransUnion credit report. It clearly shows that I've made 100 % of 19 payments. It also reports that there were know known missed/late payments in the payment History column. It then reports that there were know worst payment status- Current. It also reports know known times XX/XX/XXXX days late - XXXX. So how is it that in the Current Payment Status - It reports XXXX days late. Now According to 15 U S C 1681 e b - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. I ask that XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX be deleted from my TransUnion credit profile.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and XXXX 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit scorXXXX. Additionally, the stress and XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Debt collection

I had interaction with this company on XXXX the XXXX at XXXX I spoke with a representative there that advised me that this payment would be sent over to XXXX  XXXX XXXX XXXX XXXX on the XXXX payment report. I waited until mid XXXX as advised by the representative and contacted XXXX XXXX to see if the report had been provided to them yet they advised that it has not. We contacted the company together and XXXX XXXX was advised that payment has been made in full with no issues and the payment wouldnt be made to XXXX XXXX until the end of XXXX when they submit another report this is unacceptable and they have had ample amount of time to get this resolved! Then yesterday I was notified by my credit report alerts that this account was updated as still negative which I disputed with documentation of payment!
Product: Credit reporting

The state of Kansas filed a State tax Lien on XXXX/XXXX/XXXX, for tax XX/XX/XXXX-XX/XX/XXXX.The last time I owe a home was in XX/XX/XXXX.file CHAPTER XXXX BANKRUPTCY DISMISSED/KANSAS DOCKET # XXXX. I move out of this house in XX/XX/XXXX.On XXXX/XXXX/XXXX order of sale for this house. On XXXX/XXXX/XXXX ORDER OF CONFIRMATION OF SALE. THIS ACCOUNT HAS BEEN RE-AGED BY THE STATE.A COPY OF XXXX CASE # XXXX SHOW TAX PERIODS DUE FOR XX/XX/XXXX-XX/XX/XXXX.THE DATE OF FIRST DELINQUENCY UNKNOW. THIS ACCOUNT INACCURATE AND OUTSIDE THE STATUE LIMITATION. ON THE TRANSUNION CREDIT REPORT SHOW ME LIVING AT XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. AND BEFORE THAT AT XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX. THE STATE SAYIN I OWE TAX FOR XX/XX/XXXX.COPY INSIDE. THIS WAS RELEASED AND TERMINATED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an hard inquiry I don't recognize from Comenitycapital/Biglots credit. 
XXXX XXXX.