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

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States XXXX Law ( TILA XXXX XXXXXXXX XXXX  XXXX ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX, and XXXX ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section XXXXXXXX XXXX XXXX. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA XXXX XXXX - Civil Liability for Willful Noncompliance FCRA Section XXXX ( XXXX ) ( XXXX ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA XXXX XXXX ( a ) ( XXXX ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C XXXX ( g ) ( XXXX ) ( A ) XXXX XXXX I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED MULTIPLE COMPLAINTS OVER THE COURSE OF SEVERAL MONTHS! 

The CFPB has failed to make Equifax resolve my original complaint : XXXX. Not only has Equifax ignored me, but CFPB has ignored me -- for an entire month. I assume the CFPB staff is teleworking. If so, ignoring my complaint any longer is not acceptable. If this complaint is not resolved by COB on XX/XX/2020, I will contact CFPB management, as well as Equifax senior management. I have the email addresses. It is my right to access my credit information and it is especially important during these times. I expect this to get resolved and for Equifax to stop ignoring and delaying.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent TransUnion mail to delete the disputed comment on account XXXX XXXX, account number # XXXX. TransUnion has not removed the dispute comment from my credit report. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to UPDATE information that does not reflect the current status of a certain account. More specifically pertaining to a comments on this account. I am requesting that you remove the disputed comments on the account listed below with immediate effect. This account is no longer in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax are provides inaccurate information in my credit report where it is causing hardship in my credit score points and provides old credit report that should be removed. 

They are still reporting information that are over 7 years old in which need to be removed. 

XXXX and XXXX  have updated and removed all credit reports that are over 7 years old in my credit reports, with them.
Product: Mortgage

Valon Mortgage bought my loan at the end of XXXX. ( Loan # XXXX ) Without notice, they set up an escrow account and paid for liability insurance, which I had already paid. I never authorized an escrow account for this loan. I have been paying the mortgage on this loan for over thirty years without an escrow account. I have independently paid for my own insurance and taxes on the property throughout the time I have owned it. I was told today by Valon customer service that Valon paid for liability insurance on my property, and that it was a mistake. I was also told that Valon would carry a negative balance on my escrow account unless I help them get back the funds they sent to XXXX XXXX in error. Here 's my complaint : a ) I did not authorize an escrow account, but they opened one anyway ; b ) they made a mistake by paying for an insurance policy that I already carried ; c ) they will not fix their mistake, but require action from me to help them receive their funds back. I should also note that the insurance they purchased was from XXXX XXXX, the very insurance carrier I have used for decades to cover the property connected to this loan.
Product: Checking or savings account

On XX/XX/XXXX at XXXX, I went to the chase bank ATM and deposit {$700.00} when I put money in the ATM the system rebooted as shown in the pictures provided. The system did not give me a receipt or give me my cash back. I then called chase to file a claim and they credit my account the next business day. Today XX/XX/XXXX I see my account is negative {$700.00}. I then called chase and spoke to the supervisor all she could tell me was they counted the money and all the money is accounted for that is impossible because if they did look at the cameras they can see I deposit this money in the ATM. I am wanting to fight this because I do not have {$700.00} dollars to just throw away. If needed i can also provided phone logs of me calling chase bank.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX XXXX Balance XXXX {$130.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This happens to be an ongoing issue that has been happening since XXXX almost 1 year now of being scammed and my credit card charged over {$6000.00} that this guy XXXX who claims he was a XXXX representative who scammed me out of {$6000.00} plus money from my credit card in which I refuse and will not pay because XXXX is what he told me his name was scammed me. I have been going back and forth with Wellsfargo about this and how this has affected my credit which my credit was High XXXX 's, now it has dropped to XXXX 's. I spoke with the Executive Office of Wellsfargo ( XXXX ), he opened up another claim for me in which I gave him a little more information. Once again I am not paying this amount that was charged on my phone in which this XXXX person had me download this app in which he entered my phone and was able to navigate through my bank informing. His initial attempt was to help me get {$500.00} back from someone that I was scammed from XXXX  a month earlier, I was scammed 2 times within the same month {$500.00} and also this {$6000.00} plus which I am not paying that at all, I can not afford that why would I wire something somewhere I have no idea who these people are. I have texts from this person who did this to me telling him I hope you are not scamming me, all I want is my {$500.00} back ( Fake XXXX representative ). Who turned XXXX into over XXXX. Once again I will die oweing this money because I do not have XXXX to pay anyone
Product: Debt collection

I get repeated phone calls, about XXXX times a day. I tried to ask them to stop calling. They have not
Product: Debt collection

I recieved notification that I had collections for an electric bill in texas with XXXX XXXX Phone # XXXX ( XXXX ) XXXX The report came from Transworld Systems Inc Phone # XXXX The electric company is located in Texas. I live in Washington and have for several years The collections company sent my bill to my washington residence. Once I contacted them and pointed out the difference in states, they immediately told me to report as fraud and informed me that they would remove from my report. It has been several months and I have called multiple times with no resolutions. I've also called the electric company and they can confirm that it was fraud but nobody has taken the steps to remove me from the debt. Both companies today have told me to make a report with this website
Product: Mortgage

My Mortgage is paid to and serviced by Select Portfolio Servicing , Inc., ( SPS ). In XXXX, XXXX my credit score dropped XXXX basis points. I was shocked and concerned as nothing in my life had changed that would have resulted in this drop. I investigatedimmediately by obtaining a copy of my XXXX credit reports ( XXXX, XXXX, XXXX ) and immediately noticed that SPS was reporting that I had a 30 day late payment in XXXX XXXX. I proceeded to write SPS on XXXX XXXX, XXXX and provided irrefutable proof that the payment was in fact, NEVER late. The irrefutable proof was a copy of my XXXX XXXX bank statement that showed my XXXX payment cleared my account on XXXX XXXX, XXXX and my XXXX payment cleared my account on XXXX XXXX, XXXX. I asked them to immediately correct their records. I assumed within 30 days this would be behind me and that SPS would agree that they had made an error in reporting my account 30 days late for XXXX XXXX Boy, was I wrong. To my surprise I received a form letter dated XXXX XXXX, XXXX signed by XXXX XXXX, stating in part ; " Our review of the information confirms that the information we provided to the credit reporting agencies matches the status of your account. Based on this, we will not request a change to the information we provided to the CRAs ''. Since I provided irrefutable proof to SPS, I am shocked that SPS has taken an untenable position. I wrote a second letter ( certified mail ) to SPS on XXXX XXXX, XXXX giving them 5 days from receipt of the letter to change my payment history to reflect the truth, which is my XXXX XXXX payment was never late ). I also demanded any proof and evidence to the contrary that my position is incorrect. On further investigating SPS, I have found that there are literally XXXX complaints lodged against this company, which is owned by XXXX XXXX. This company has no business being granted a license to operate anywhere in the U.S. let alone being responsible enough to conduct financial operation 's here. SPS has ruined my credit, which I have diligently worked so hard to restore after the Great Recession.
Product: Money transfer, virtual currency, or money service

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

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate dress for these violations.
Product: Checking or savings account

When I made the complaint to you about what PNC had done to me they took revenge on me by freezing BOTH of my accounts ( my business and personal ) so I could not get access to any of my money causing me a great hardship. My mother was on my persoal account too which caused her financial problems also. 

I was not able to pay any bills and including the death of a pet because they withheld my money without any reason or explanation. Nobody could help me nor could anyone find out why they were doing this to us even though they apologized profusely, acted like they were trying to help, then stabbed me in the back anyway. 
The people they directed to so call investigate and resolve the matter lied to me at every turn. The whole ordeal was a farce. 
They destroyed me financially and emotionally. I was a loyal client for over 15 years until they turned on me this XXXX XXXX through XXXX XXXX. 

We feared for our lives every single time we went into one of their banking establishments praying they would not call the police and have us executed under the guise of them fearing for their lives that we were trying to rob their banks, etc. 

They refused to give me any explanations as to why they were ruining me financially after 15 years of banking with them. 
Then they just closed my account down altogether and told me I only had a short window to get my money out. Even after that, they still would not let me in to retrieve those funds until the last moment.
Product: Credit reporting or other personal consumer reports

I am a victim of the Equifax data breach and have Included Proof. Please remove these unauthorized accounts from my credit report Immediately.
Product: Checking or savings account

I opened a checking account with them. Made an account online and accessed it without issues via the mobile app. Then I received my debit card in the mail. I went to activate it online and was asked for a 4-digit PIN which I did not recall having ever made. I tried multiple different combinations and was locked out of my account. CitiBank locked me out of everything including access to the mobile app. I called their phone number and the representative asked me for my account number which I did not have and then asked me for my mother 's maiden name which apparently was incorrect. He then said I needed to go to the local branch which I unfortunately do not have time to do as their hours are very limited and my job does not allow me to go during their hours. This is all before I have even started making use of the checking account.
Product: Credit reporting or other personal consumer reports

I recently noticed XXXX XXXX on my credit report. I have NEVER obtained ANY CREDIT from this company. I have reached out to this company and requested documentation with my signed wet signature but they have failed to send proof. The reason they could not provide proof is because I have never had credit with the company, they have listed themselves for a collection company but again I have not contract or credit with this company. When asked for validation they sent me documents saying my personal information is correct. This documentation does not prove any monetary obligation to this company. As I further research I also notice this company is collecting on behalf of XXXX XXXX. This account also has not been verified as accurate but instead documentation was sent to me stating my personal information is correct. This is not how accounts are verified or validated. THIS IS A VIOLATION OF MY FCRA RIGHTS. These 2 accounts are basically attempting to collect on the same unverified debt.
Product: Credit reporting or other personal consumer reports

So during the pandemic in 2021 I contacted Lexus Nexus and asked them to correct inaccuracies on my credit report and never heard anything back from them. And I tried again several times only to go unanswered and now I am unable to gain housing and miss employment opportunities do to their negligence.
Product: Vehicle loan or lease

Received email stating vehicle is up for repossession Immediately called to discuss payment options to bring account current Asked XXXX To discuss waiving late fees so Im able to pay toward principal. Offered to make XXXX payments XX/XX/year> but wanted options for waiver and bringing account current. Asked repeatedly to speak to XXXX and rep. Refused. Asked for reps. Identification in form of badge/employee number, she refused. 

At this point, vehicle will be wrongfully repossessed when Im able to bring acct Current. Attempted to outline issues with my bank account fraud case and associated freeze however, rep was uninterested in discussing.
Product: Mortgage

Mr. Cooper refuses to provide me with a mortgage payoff, my forbearance agreements, records of all claims filed for my XXXX  XXXX case on XXXX XXXX XXXX XXXX, the actual payment history, or the total amount due from cast to date to audit the account in defiance of state and federal law to hide these errors.
Product: Mortgage

On XXXX, XXXX XXXX, 2021, I closed on a refinance with a local XXXX union. My original mortgage was owned and serviced by Suntrust Bank ( or now known as Truist Bank ). I decided to move from Truist Bank to the local credit union due to the credit union having better rates and service. This credit union disbursed and paid out the rest of my loan balance with Truist Bank  on XXXX XXXX XXXX, 2021. 

Prior to the closing and refinance on XX/XX/XXXX, I called Suntrust to inquire about how an escrow balance refund was handled. My escrow contained roughly {$XXXX} at the time. The Suntrust officer reassured me ( via phone ) that the escrow balance would be refunded in full within XXXX days of the closing date- with the amount being mailed as a check to my home address on file. 

I called Suntrust  again on XX/XX/2021 to notify them that I had still not received my check in the mail, and to request a re-issuing of the check. The agent on the phone told me that the previous agent was incorrect with the supplied dates, and that I would need to wait until at least XX/XX/XXXX before the bank would attempt to re-issue a check. I also suggested to the agent that they could cancel the check that was supposedly sent, and instead, I could come into a branch with ID to physically pick up a check equal to my escrow account balance total. That was denied. I also asked if the check sent had any tracking information on it, so that I could at least know when to expect it ( or report it lost in transit, whenever necessary ), and that was also denied. 

At this point, it has been over a XXXX since my refinancing and closing date with another institution. I no longer have an account with Suntrust / Truist Bank, and can no longer use my previous accounts with Truist, as they remove access once the loan amount is paid off. I don't have access to the money that was in my escrow account at Truist, I am denied any requests to re-issuing a check, and whenever I call the Truist help-line, none of the agents are able to tell me where the money is or how I can get it. They just tell me that I need to wait until an ever-changing amount of time has passed before they restart the process over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted multiple times to address this error with XXXX XXXX XXXX XXXX ( XXXX ). They are now in multiple violations of the Fair Credit Reporting Act ( FCRA ). XXXX needs to delete this innacurate information from all 3 of my credit reports immediately. 

I have a settlement agreement with XXXX entered on XXXX XX/XX/2018. I have attached a letter to prove this. This letter summarizes that I have made timely payments in accordance with our agreement. I have made three payments thus far. Initial balance with them was only {$19000.00}. They continue to report inaccurate information such as the following on my 3 credit reports : " charge off '', " no payments '', " late payments '', " balance due of {$26000.00} '', " placed as bad debt '', " placed for collection '', " collections '', collections and skip '', " charge off '', and more, on all 3 of my credit reports. I have a sample attached from my XXXX report for verification. I have made 3 timely payments of {$320.00} a month, and my balance owed is now only {$18000.00}.

FCRA Violations : # 1 : " Reporting a debt as charged off when it was settled '' # 2 : Section 623 ( a ) ( 3 ) of the FCRA states that if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Therefore, a furnisher can still provide a consumers credit information that is in dispute, but it must clearly state to the credit reporting agency that the information provided is being disputed. 

Lastly, each time I have tried to dispute this matter and have it updated, these accounts have been negatively " re-aged '' .... 

# 3 : Re-aging a debt, credit card or other past due accounts resets the collection limitations clock and may give collectors and creditors a fresh start. Creditors DO NOT have to re-age past due accounts, but when they do without your permission or payment, their actions is in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, if the re-aging constitutes false information furnished or transmitted to a credit reporting agency. Re-aged debts restarts a statute of limitations on collections and is not legal. 

Please assist me and remove this immediately from all 3 of my credit reports. It has now harmed me financially by not being able to qualify for a Veterans Affairs Mortgage, even though I am a XXXX XXXX XXXXXXXX Veteran. The additional amount of money in rent I will now have to pay over the amount of VA loan mortgage will total over {$180000.00}. 

During the lifetime of a 30 year loan, even though I have attemtpted to do the right thing in fairly resolving this debt with XXXX, this is devastating news.
Product: Credit reporting or other personal consumer reports

I sent NOTICE to Transunion on XX/XX/XXXX Tracking XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXXXXXX, Transunion received NOTICE for tracking # ending in XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX, PA, and NOTICE for tracking # ending in XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX, PA ( View details on XXXX ). The LEGAL NOTICE advised from recent amendments as to the ( FACT Act ) XXXX that Credit reports for US BANKRUPTCY, judgments, fines and liens may no longer be permitted. This means that reports for collection purposes are only allowed when collecting on an obligation arising from a credit transaction. Transunion response did not remove the information as required by the FACT Act and sent a reply stating that Transunion verified the account to be valid. I at no time gave Transunion any permission to report this transaction and have sent several documents supporting the removal. I have also included a copy of ****Important Notice**** sent to another credit reporting agency which was posted on the XXXX from the FTC notifying of same requirements of Federal Law. See attached documents
Product: Credit card or prepaid card

Capital One advertises the fact that cards are instantly available upon approval. Seeing this, and given the fact that I had been an existing Capital One customer, I applied for a new XXXX credit card. However, the card was not instantly available. I had relied on this advertisement because I needed a card to pay rent. Capital One advised that it would take two weeks for the new card to arrive in the mail. As a result of Capital One 's failure to honour its advertisement of instant card availability, I have now incurred significant late fees in paying my rent.