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

I discovered that some of the information on my credit report was incorrect when I reviewed it. 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 information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I had a payment sent to me on Venmo from someone that I know and apparently I had owed XXXX $ from 2021 from a failed bank transaction so I told them to take it from my balance and give me the rest and now they are making every excuse possible but give me my money. I was sent XXXX $ so they are trying to XXXX me out of XXXX $ for almost a week now and wont give me any help or resolution to get it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 1. XXXX - XXXX XXXX XXXX  ; 2. XXXX XXXX  XXXX XXXX 3. XXXX - XXXX  XXXX  4. XXXX - XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX  XXXX XXXX XXXX  8. XXXX XXXX XXXX - XX/XX/2022 9. XXXX  XXXX 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 consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I noticed unauthorized items on my credit report. I contacted all three credit reporting agencies who have not been able to assist in removing the negative items being reported without permissible purpose. ( 15 USC 1681b ) They are furnishing information which were not initiated by me, hence reporting false information ( 15 USC 1681b ( c ) ( 1 ) ( a ) ( b ) ( 1 ) ( 3 ) have not given any written instruction to anyone to put on my consumer report. My right to privacy is being ignored by Experian, XXXX, XXXX and creditors. These false consumer reports has affected me adversely and I feel as if my character is being defamed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you this statement to delete the following information on my report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission affidavit. Now that I have given the following information, please correct my report or I shall proceed with involving my attorney!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX 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. 



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 EXP 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: Mortgage

in XX/XX/XXXX I became delinquent on my mortgage. I was offered a HUD loan and accepted as it was my only option. I have since asked to be provided documentation in regards to that loan ( ie. an itemized list of all charges to be included in that loan, documentations that I signed. ) I have not received that. 

The mortgage became delinquent again and starting in XX/XX/XXXX I started paying additional on my mortgage each month this continued into XX/XX/XXXX. Although it was written as one check ; I fully expected that the additional would appropriated accordingly. Instead it was placed and held in a " suspense account '' to the tune of almost {$10000.00} over the years, of which I knew nothing about. 

Some was credited to my escrow account ; Which created large surpluses that WERE NOT REFUNDED back to me, but again placed into a suspense account. examples below : XX/XX/XXXX - {$1200.00} Surplus Placed into a suspense account XX/XX/XXXX - {$1700.00} Surplus Placed into a suspense account XX/XX/XXXX - {$960.00} Surplus Placed into a suspense account XX/XX/XXXX - {$900.00} Surplus Placed into a suspense account In addition to the above I paid roughly {$5000.00} more that was credited to the suspense account. 

The statements that I was given by PNC Mortgage after demanding an audit of my account show no disbursements from this mysterious " suspense account '' that I knew nothing about, and never received so much as a statement for. 

I have in-fact contacted PNC on numerous occasions. Most recently I was referred to their executive client relations team. In the 5 months since I was put into contact with t Executive Client Relations they have offered nothing but excuses, and outright misinformation at all levels of their firm as to a solution to the problem. When faced with specific instances of violating consumer protections the conversation turns cold, or they inject other misinformation to further muddy the waters. 

It is my understanding that PNC is in violation of the Prompt Crediting Under FRB Rule as well as Prompt Crediting under Dodd-Frank, TILA Amendments and CFPB Regulations. As well as numerous others. 

If accepted the partial payments ( ie. payments less that the periodic amount ) should have been placed into a unapplied funds account/suspense account. The " funds must be applied from the suspense account when the amount in suspense is equal to or greater than a periodic payment '' It is my hope that working together we can reach a solution, and prevent this from happening to consumers in the future, and help those that may have similar experiences.
Product: Checking or savings account

On XX/XX/2021 my account at Bank of America was closed because of suspected fraud activity someone tried to deposit a check into my account i denied the transaction because I knew nothing about so they closed the account and filed a consumer report on me with XXXX XXXX I never used this account they told me after I opened a investigation that the consumer report would be dropped but they never dropped the report now I have a business and cant open a business account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX, 2021XXXX still nothing from them. The negative items are still reported on my Credit Report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Charge Off XXXX XXXXXXXX {$24000.00} XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX  XXXX {$2400.00} Collection XXXX XXXXXXXX {$620.00} XXXX  XXXX {$490.00} XXXX XXXX {$610.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX {$370.00} ( Original Creditor : ) XXXX {$160.00}
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX  XXXX Balance : {$3400.00}
Product: Vehicle loan or lease

On XXXX XXXX XXXX, I contacted Capital One Auto Finance to inquire about receiving an extension on my auto loan. At that point it was due for the XXXX XXXX XXXX payment and I had a large medical bill that I had to cover that made making the payment difficult. I was approved for the extension ( attached ). I then made a payment on XXXX XXXX and have since made another payment on XXXX XXXX. <P/>I pulled my credit report and discovered that I was reported 30 days late for the XXXX XXXX payment ( which I received an extension on ). I called Capital One today, and even though they are reporting my account as current today, they argued that the 30 day CBR reporting ( submitted after my extension approval ) is valid. I requested to speak to a supervisor and when transferred to one, they argued with me as well. <P/>The whole purpose of getting an approved extension was to push off my 30 day reporting date. After all, I will be paying more interest on the extended payment. Its disingenuous of Capital One to approve an extension and charge additional interest but also report my payment as 30 days late anyway. Its also disingenuous for their representatives to argue with me about the validity of my CBR dispute, rather than simply provide me the address to submit a qualified written request.
Product: Checking or savings account

Square UP located in XXXX XXXX XXXX, XXXX XXXX PLEASE KEEP IN MIND I DONT HAVE A MERCHANT ACCOUNT THROUGH SQUARE< THEY ADVERTISE AS A BANK FDIC XXXX AND PAYROLL SERVICES. IMAGINE STARTING A BUSINESS AND OPENING A CHECKING ACCOUNT AT XXXX XXXX XXXX  AND PAYROLL. THEN THEY NOTIFY YOU THE NEXT DAY WE DONT DO TRAVEL AGENCYS BUT WE ARE KEEPING YOUR MONEY FOR 90 DAYS. 

Square UP located in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX agressively advertises its new payroll and bank check services. I signed up for this service XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and seeded the banking account with approximately {$700.00} of our own money. They then contacted us said our account was suspended and they are keeping our funds for 90 Days. PLEASE KEEP IN MIND I DONT HAVE A MERCHANT ACCOUNT THROUGH SQUARE< THEY ADVERTISE AS A BANK FDIC INSURED AND PAYROLL SERVICES. IMAGINE STARTING A BUSINESS AND OPENING A BANK ACCOUNT AT XXXX XXXX XXXX. THEN THEY NOTIFY YOU THE NEXT DAY WE DONT DO TRAVEL AGENCYS BUT WE ARE KEEPING YOUR MONEY FOR 90 DAYS.
Product: Credit reporting or other personal consumer reports

This is my complaint to TRANSUNION for taking no action on correcting and removing the fraudulent accounts that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2020, I applied for an extension on my car loan with XXXX website, the web site finalized my application and informed that in 24 to 72 hours someone was to call me to explain my options, nobody called me instead they sent inadvertently emails which I am sure it went to spam. in XXXX I received a statement showing a a past due requiring a immediately payment, I contact the bank expecting an explanation like it was a mistake but in fact they informed that my extension was never approved. Well understanding the risk of have my credit damaged by this bank I rushed and squeezed all of my money to pay this past due and it was paid, last month they reported a 30 late payment on my credit it doesn't reflect the truth. 
Please accepting my complain and help me removing this negative information from my credit Best regards and always respectfull XXXX XXXX
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These funds were assessed despite having sufficient funds available at the time the transactions were authorized. However due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 

This issue appears consistent with recent findings by the CFPB which identified similar practices by NAVY FRDERAL CREDIT UNION, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Debt collection

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer.

In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ) XXXX ( XX/XX/XXXX ) .This CFPB complaint has. been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit report ( ing agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX with account number ( XXXX ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned account, collections, and hard inquires are the result of identify theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  Balance Owed : {$25000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$5100.00} ; 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

To whom it may concern : I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law. I'm writing to remind you that you need to make sure all your claims are accurate and reported in the correct format. This is required by law ( FCRA ) and reporting standards ( METRO 2 ) For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report.These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately.
Product: Debt collection

I called portfolios XXXX to pay half if the bill of XXXX which is XXXX, I was told they they could not accept it.this was on XX/XX/XXXX 4th
Product: Debt collection

I received a letter in the mail today, XXXX XXXX, XXXX, from a company called XXXX. They are saying I owe a company by the name of Washington Mutual Bank {$6300.00}. I looked up Washington Mutual and it say they went out of business in XXXX and I never heard of them. This is not my debt, and I don't know how they got my information... ..name and address and are attaching this debt to me. They are giving me 3 options to pay it back, however the debt is not mine. It arrived today and says I would have 45 days from XX/XX/XXXX to take advantage of their payment options. 

I am not contacting them or answering any of their questions on the phone because I know they will want my personal information which I am not providing to them.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on My Credit Report I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by { TransUnion Consumer Solutions }. I believe these late payments are erroneous and do not accurately reflect my payment history. 


Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements Account Number : XXXX XXXX XXXX The late payment in question is reported by TransUnion Consumer Solutions for the period of Late Payment Date XX/XX/year>. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history. 
Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i.
Product: Student loan

I refinanced my student loans with CommonBond in XX/XX/XXXX and there was an overpayment upon payoff. A refund was issued by the prior servicer ( XXXX, a XXXX  company ) on XX/XX/XXXX but XXXX ( CommonBonds servicer ) continually tells me it has not been received that refund and that I should contact the prior servicer. This has created a continuous loop where I ask the prior servicer if the payment was sent and they confirm it was sent then XXXX tells me it hasnt received the funds and to follow up with the prior servicer. Ive done this 3 times now. No one can provide any answers or steps that need to be taken to resolve where these outstanding funds are located and when they will be applied to my account.
Product: Credit reporting or other personal consumer reports

I am fling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts Im requesting to be removed : XXXX XXXX, XXXX XXXX, XXXX FXXXX XXXX XXXX  BANK