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

This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/ ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested.

Below are the items that do not belong to me that you continue to report erroneously. 

1. ginnys 2. country door 3. 

Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information about how you arrived at your conclusion, or else remove these items immediately.
Product: Checking or savings account

After receiving letters from XXXX XXXX and XXXX XXXX that her " loan payments '' for her reverse mortgage ( there were none ) should now be made to XXXX XXXX, my XXXX-year-old mother started sending her {$310.00} HUD loan payment ( which was serviced by a third company ) to XXXX in XX/XX/2017. She made another payment in XXXX before the third party notified her that she was past due. 

When we discovered what she had done, we contacted XXXX XXXX via its XXXX  number on XXXX XXXX and explained the issue to XXXX. She confirmed the facts and promised a check would be sent. 

When no check was sent by XXXX, we called again and spoke to XXXX on XXXX XXXX. He again confirmed the facts and promised to make sure a check would be sent. 

Not having received a check yet, we sent a demand letter to the only address XXXX provided on XXXX XXXX. 

And when the funds were still not returned, we call on XXXX XXXX to again try to resolve the issue. This time XXXX told us that it had " been too long '' and XXXX would not issue a check. 

We responded that the responsibility for delay was entirely XXXX 's and that it did not absolve them from returning the money sent to them in error. XXXX said we'd have to open an " investigation '' into the matter. With XXXX, who had simply failed to remit the funds in the first place. 

We told XXXX we would prefer to pursue this unethical behavior through other means. And here we are.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 US Dept of ED, increased my debt by {$1.00}. This somehow diminished my credit score with both XXXX and Equifax. There should be no activity on any student loan due to the CARES ACT 2020, this act suspended all payments and set interest rates at 0 %. so how does {$1.00} get added to my account during a pandemic? Retaliation is exactly what this is and violation of a Federal Act. All three companiies/Corporations should be ashamed of themselves, its so oblivious what they did. My FICO score dropped dramatically due to the {$1.00} add on to a closed accounts.
Product: Credit card or prepaid card

I have a Best Buy rewards card that runs as a credit card thru Citibank. I noticed my balance wasnt decreasing as I was paying my card every single month. I knew something was wrong. When I gave them a call they had said that I was paying into a program called debt protection which I have never authorized or even heard about. It was charging me XXXX a month! Furious, I complained and cancelled the service with the promise that I would either receive a credit to my account or receive a letter stating the process on the issue. Its been about 6 months and still no word. I call at least once a month and still have not gotten any progress. I will NEVER use this card ever again. Im am greatly unhappy and disappointed in the services and bs that Citibank provides. Charging customers without consent is a criminal charge!!!!
Product: Debt collection

This was something that occurred back in XXXX that was already settled. I never had XXXX XXXX. It's been XXXX years ... why are they bringing this back up when it was all cleared up then. I just received a letter that effective XX/XX/XXXX. Pinnacle credit services LLC has placed my account with XXXX XXXX XXXX XXXX Reference # XXXX.
Product: Vehicle loan or lease

On XX/XX/XXXX  we received a letter of denial for car loan! They said they pulled my credit and the number came back as XXXX from XXXX XXXX. So, i called XXXX XXXX and they said we didn't send over a XXXX score! We called Navy Federal credit u back and asked them again where u getting that number when XXXX XXXX says something totally different? Navy federal credit union says they can't help me take it up with XXXX XXXX! So I sent a copy of my score and haven't heard back from them yet!
Product: Mortgage

Wells Fargo is the servicer of my mortgage, which is owned by XXXX XXXX. I want Wells Fargo to stop servicing my loan and return it to XXXX XXXX for the following reasons, which the CFPB should check into : - Not correctly removing a borrower from forbearance. They were supposed to take me out, but the representative messed up and did not process my acceptance of the modification. This took countless phone calls and time to get them to correct this last year. 

- After the nightmare of them not removing me properly from forbearance, they sent me a letter saying they could begin the foreclosure process anytime, when I was current. I called and no one could tell me why that letter came to me. Isn't it illegal to threaten to foreclose on a home that is current? 

- Currently, Wells Fargo has had my full payment since XX/XX/XXXX. Tomorrow will be a week since they received all the funds. They received the majority of the funds from the North Carolina Home Owners Assistance Fund back in XXXX but did not put it on the account for almost two weeks. I was waiting to make sure they put the funds on the account and then I made the remaining payment on XX/XX/XXXX. To date, I'm showing past due on their site, as I'm passed the " grace period '' for my payment. Which they have the entire payment ( since XX/XX/XXXX ). I spoke with Wells Fargo to discuss this matter on XX/XX/XXXX and XX/XX/XXXX. Both times, I was assured it would not go passed the grace period. These actions are absolutely unfair and deceptive acts and practices. How can a bank have your entire payment for a week, keep it sitting in " unapplied funds '' even after the customer has called numerous times?
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX account # 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 COSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCCIONS. In accordance with the fair credit reporting act account XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A COSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCCIONS. 
In accordance with the fair credit reporting act XXXX XXXX # XXXX In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX # XXXX In accordance with the fair credit reporting act XXXX XXXX # XXXX In accordance with the fair credit reporting act XXXX XXXX XXXX # 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 COSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCCIONS
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I am writing to dispute an error on my account with Affirm. I recently reviewed my account details and noticed that a late payment was marked for XX/XX/XXXX. I believe this designation is incorrect. 
Given this evidence, I respectfully request that you review my account and remove the erroneous late payment mark. Please confirm in writing once the correction has been made. If you require any further information or additional documentation
Product: Debt collection

I sent them a letter on XX/XX/2022 requesting verification and received no response. I believe they don't have the legal right to collect this debt or own the debt. They also did not show me any information from whom they are collection from or any documents with my signature on them. They threaten potential legal action without offering to provide all required document. I believe they are trying to collect on unsubstantiated debt and collecting on debt without providing required documentation and disclosures to me. I also believe Portfolio Recovery Associates failed to properly investigate and resolve my dispute. They also reported it on my credit report and I want it fixed and removed. 

I have included the letters I sent them.
Product: Mortgage

Please reference previous complaint XXXX from XXXX as the matter has NOT been resolved. As of today my homeowmers insurance is set to cancel and Truist continues give them the run around and managed to have the original complaint closed. Meanwhile my insurance has given me grace periods and Truist is earning interest on my money.
Product: Debt collection

This debit that is being reported to all three credit bureau 's is reporting inaccurate information as far as the amounts, and dates for the debit. It also looks like the original debit collator is showing different names as well.The date opened is XX/XX/XXXX how ever XXXX reports it is closed and account has been charged off {$6000.00} written off XXXX past. due as of XX/XX/XXXX, status updated as of XX/XX/XXXX last payment showing XX/XX/XXXX and balance updated XXXX XXXX. XXXX shows as Auto Credit, with a charge off status updated on XX/XX/XXXX in the amount of XXXX balance was last updated XXXX XXXX. XXXX shows as US Auto CR shows closed and charged off as bad debit with a status update on XX/XX/XXXX in the amount of XXXX with a balance update on XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was scammed into sending {$300.00} to XXXX XXXX XXXX for the purchase of a XXXX XXXX  ( aviation related item ) using XXXX. I realized directly after paying him when he blocked me on his social media and stopped responding to texts or messages that it was a scam. I reached out to Chase on XX/XX/XXXX to help rectify the situation and they took down all relevant info saying they would help me, then within 12hrs they sent a letter to me stating " As we discussed and agreed, no action will be taken '' and " This inquiry is not resolved ''. There had been no discussion as stated by Chase and I feel they put no effort into helping me recoup this money. They take large fee 's and when they are needed to assist their customers they left me hanging.
Product: Credit card or prepaid card

On XX/XX/2022, I purchased an XXXX XXXX I didn't like it called Best Buy on XX/XX/XXXX to say I was not happy and was returning tv, it was picked on XX/XX/XXXX by a person named XXXX did not give me a receipt he said I would get an email, which never arrived since then I made a dispute with Best Buy and Citi Bank, called almost weekly. Now it's affecting my credit.What a nightmare will not shop at XXXX again.
Product: Credit reporting or other personal consumer reports

Dear TD Bank, I am writing to formally lodge a complaint regarding a significant issue that has negatively impacted my credit report and caused a severe drop in my credit score. This situation stems from an instance where I was incorrectly reported as being 30 days late on payments for my TD Cash credit card ending in XXXX. 

The core issue is that I was unable to make payments for this account on time due to restricted online access. I was told by three in-person representatives and during 12 separate phone calls to the TD Credit Card Department that my online account access and login capabilities were restricted, preventing me from making payments through the usual channels. The restricted access was in place for an extended period, and, unfortunately, this happened until it was too late for me to take action and avoid a 30-day late payment on my account.

Once I discovered the issue, I immediately took steps to resolve it. After further follow-up, I was finally connected to a credit card manager who, after escalation, was able to reset my online access. However, by that time, the 30-day late payment had already been reported to the credit bureaus, causing a dramatic XXXX decrease in my credit score. 

I want to make it clear that this situation was not caused by negligence or disregard for my payment obligations. I was fully prepared to pay, but the inability to access my account online, through no fault of my own, severely hindered my ability to take the necessary action. I have communicated the issue multiple times, but the response from TD Bank representatives was insufficient until it was too late to avoid the reporting. 

This situation, as described, is not a case of me failing to make a payment ; rather, it is an issue that was entirely out of my control due to TD Banks systems restricting my ability to pay. As a result, I request the following : Immediate investigation into the incorrect reporting of the late payment to the credit bureaus.

Correction of the late payment on my credit report, as I was not at fault for the delay.

Assistance in mitigating the damage caused to my credit score due to the delayed resolution of this matter. 
I believe this situation was the result of an internal error on TD Bank 's part, and I am seeking a fair resolution. I trust that you will take swift action to correct this issue and assist in restoring my credit standing. 

Please confirm receipt of this complaint and inform me of the steps you are taking to resolve this matter as soon as possible. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

All I wanted was the documentation that was provided to the credit bureaus from the bankruptcy court giving them permission to place any public record in my credit report. The law states only the original creditor can report an account to a consumers credit report and not a 3rd party. These companies are also violating my consumer rights to privacy pursuant to 15 USC 1681b 2. These companies have no permission to report anything using my info pursuant to 15 USC 1681 4.The credit bureaus are admitting to using 3rd party information and that is considered fraudulent and against the law
Product: Debt collection

RECEIVABLE RECOVERY is reporting a debt that I do not owe them to all three credit reporting agencies. I have asked for verification that I owe them and they have failed to do so despite continuous requests and challenges. 
act # XXXX
Product: Credit card or prepaid card

I was collecting unemployment from Idaho, using a US Bank Reliacard. Between XX/XX/XXXX & XX/XX/2021 my account was hacked & several illegal withdraws were made via card to bank transfer. I have the account info showing the dates & name of person whom did this fraudulent unauthorized activity. 
I notified US Bank, via a phone call & fax, the day I found out my money was missing ( {$8300.00} ) which was XX/XX/2021. They said my account PIN was changed & the money removed via a transfer. I did not change my PIN, or ever use a direct bank transfer. I went back & forth with them several times on the customer service phone line. On several occasions I was on hold for over an hour when the phone mysteriously cut me off & returned to a dial tone. 
I have records of my account information, my faxes to them & their statement of resolution ( XX/XX/2021 ) which says US Bank is not responsible for this & no money will be returned to my account. 
I feel that US Bank is responsible for security of my Reliacard, and should not let PIN # 's be changed over the phone w/o a security check being done on the caller. 
Please let me know what you need me to do next. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's failure to produce any legal evidence or verification for the alleged debts, and is now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''. 

Equifax & its actors willful behavior of discharging its duties to correct itself and the record after prior attempts were properly made.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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

Upon reviewing my credit report, I discovered unauthorized hard inquires that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing
Product: Credit reporting or other personal consumer reports

I'm in the process of buying a housed I realize I had damages on my credit report. According to the 15 USC 1681 law there should not any damages on my credit report it is defamation to my character.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Mortgage

TRIED TO PURCHASE A DITECH FINANCIAL FORECLOSED HOME FOR CASH. WE OFFERED {$24000.00} AND THEIR AGENT, XXXX XXXX SAID THEY WOULD TAKE IT BECAUSE THE HOME WAS STRIPPED AND BEEN ON THE MARKET FOR 4 1/2 YEARS. HE SAID THEY WOULD TAKE ALMOST ANY OFFER. THIS WENT ON FOR TWO MONTHS, BUT WE NEVER GOT AN ANSWER. TWO DAYS BEFORE CLOSING, XXXX SAID DITECH WOULD HAVE TO HAVE {$35000.00} OR WE COULDN'T CLOSE. THIS WAS AFTER TWO MONTHS OF XXXX TELLING US DITECH WOULD TAKE THE OFFER.HE NEVER IN TWO MONTHS WAVERED ON THE {$24000.00}, BUT HE ALSO NEVER SUBMITTED OUR OFFER TO HIS BOSSES. 
HIS BOSS SAID THEY NEEDED {$45000.00}, BUT CALLED TWO DAYS LATER WITH THE {$35000.00} PRICE. THIS WAS ALL AFTER WE WERE SUPPOSE TO CLOSE A WEEK EARLIER AT {$24000.00}. TREATED US LIKE WE WERE THE ENEMY. VERY RUDE ON PHONE. THEY FINALLY ARRIVED AT {$35000.00}, WHICH DIDN'T LEAVE US ENOUGH TO FINISH THE HOME. 
MY WIFE AND I GOT PHYSICALLY SICK OVER THIS WHOLE ORDEAL. WE DON'T WANT ANYTHING EXCEPT OUR {$11000.00} DIFFERENCE. DITECH FINANCIAL IS  FRAUDULENT AND VERY DISHONEST. SEVERAL LAWSUITS HAVE BEEN WON AGAINST THEM. THE FEDERAL TRADE COMMISSION HAS FINED THEM MILLIONS OF DOLLARS FOR UNLAWFUL AND UNFAIR PRACTICES. THERE ARE 63 LAWSUITS PENDING AT THIS TIME. SOMEONE NEEDS TO HOLD THEM ACCOUNTABLE. TRYING TO DECIDE WHETHER TO FILE A LAWSUIT OR NOT. DON'T HAVE ANY MONEY TO HIRE AN ATTORNEY.
Product: Bank account or service

On XXXX XXXX, 2016 my employer notified me that a reimbursement of {$310.00} would be deposited into my checking account ending in XXXX. I contacted them to tell them to cancel the transaction because I no longer had the account. They did n't receive the message in time and deposited the funds into a closed account. The bank accepted the funds and never notified me that the funds were accepted nor did they return any additional funds to me or my employer. They stated that I had a balance of {$200.00} in overdraft and extended fees but could n't give me a brake down of how they arrived to that amount. They claimed that they mailed out a check of {$110.00} that I never received. The representative said that I had an initial overdraft fee of {$35.00} and additional days of extended fees of {$6.00} for weeks. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a 100 % 22 years XXXX military and my student loans have been paid in full and they have me with 18 plus late payments and inaccurate information when I never was late because the military always paid my stuff and now Im out the military I can not get my proof I need. I last contacted them on XX/XX/2019 2019
Product: Credit reporting or other personal consumer reports

1026.13 - Billing Error Resolution 1. Creditor 's failure to comply with billing error provisions. Failure to comply with the error resolution procedures may result in the forfeiture of disputed amounts as prescribed in section 161 ( e ) of the Act. ( Any failure to comply may also be a violation subject to the liability provisions of section 130 of the Act. ) 2. Charges for error resolution. If a billing error occurred, whether as alleged or in a different amount or manner, the creditor may not impose a charge related to any aspect of the error resolution process ( including charges for documentation or investigation ) and must credit the consumer 's account if such a charge was assessed pending resolution. Since the Act grants the consumer error resolution rights, the creditor should avoid any chilling effect on the good faith assertion of errors that might result if charges are assessed when no billing error has occurred. 

billing error on my credit report the payment for the car went to the treasury of that account XXXX XXXX XXXXXXXX is not the trustee it is XXXX XXXX XXXX payment was sent to the treasury and therefore this is a billing error that continues to show up on my credit report