23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Real Time Resolutions LN XXXX XXXX XXXX XXXX XXXX XXXX , XXXX CA XXXX Real Time Resolutions has agreed to a settlement and even accepted funds for a payoff of this account yet will not record a reconveyance. Real Time Resolutions received the funds and required documents on XX/XX//20. The reconveyance was never completed. We have called Real Time Resolutions several times since then and they claim the issue has been escalated, but to date nothing has been done at all. No one in their escalations department has responded. Our multiple voicemails have gone unanswered. 


A reconveyance takes no more than 1 week to complete and record. Its been almost three months. I understand the impact COVID-19 has had, however, the reset of the real estate industry has figured out a way to move forward, as have the rest of the servicers. Real Time Resolutions received the funds and closing documents several weeks prior to the shutdown this should have been recorded well before the shutdown. -- -- -- At this point I can only believe that you intended to defraud your client from the beginning and had no intention of following the terms of your settlement. 

I have attached a copy of the settlement. I am requesting the reconveyance to be recorded without further delay.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Charge-Off Account Due to Inaccurate Activity Dates Dear National Credit Adjust Customer Service , I am writing to formally dispute the charge-off account associated with my name and the account number XXXX, which pertains to Check Into Cash. Upon reviewing my credit report, I noticed that the last activity date recorded as XX/XX/year>, is inaccurate. 

This incorrect reporting significantly impacts my credit profile. Therefore, I am requesting the immediate removal of this charge-off account from my credit report. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate information, and I believe this account does not accurately reflect my credit history. 

If the activity date can not be verified as accurate, I request that you remove this account from my records. 

Thank you for your prompt attention to this matter. I look forward to your response within 30 days. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I made a transfer of over {$120000.00} from my Marcus savings account to the federal student loan servicer. This transaction went through without issue. XXXX weeks later, I tried to transfer funds to my linked XXXX Bank account that has been linked to this account for several months with several prior transfers to and from each other. 

The transaction provided an error when attempting using the XXXX website and app. After calling and XXXX minutes of being transferred around, the lady said that the account was locked pending verification of the validity of the past transaction for my student loans. I never received a call, text, email, letter or any other form of communication that the account had been locked. I told them, along with all sorts of verification information, that this was a valid and approved transaction. They refused to unlock the account until I called again during M-F normal business hours, then they would do a XXXX call with the loan officer at the federal student loan office to verify simultaneously from each party that this was a valid transaction. 

I just spent over XXXX on the phone to make this happen. This is completely unacceptable and they held onto my funds for several weeks longer than I would have liked preventing access to my own money. I have since withdrawn the final {$27000.00} and closed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

A recent application for credit made me aware that my credit score was being effected by what all 3 credit agencies label as " proportion of balances to credit limit is to high on bank revolving or other revolving accounts '' or " amounts owed on accounts is too high ''. These statements do not accurately reflect the true status of my credit, as all accounts are paid fully each month. Upon investigation, I find that XXXX XXXX is providing what I consider to be false statements concerning my high balance. For my XXXX credit card balance, they stated to all 3 agencies " High balance of {$14000.00} from XX/XX/XXXX to XX/XX/XXXX ''. The balance stated for my XXXX limit card is also inaccurate for the stated period. The high balance they are seemingly reporting occurred in XXXX of XXXX, and was paid off that month. I have attached my complaints to XXXX XXXX, their reply, and a typical example of the credit report that XXXX XXXX is providing to all three credit agencies. 
From XXXX XXXX 's reply letter of XX/XX/XXXX, they state that the high balance they report is correct, and that it represents the highest credit balance since the account was opened. If this is a true statement that represents the credit reporting industry standards, I need to understand how your agency is interpreting the data they provide. Could your please provide answers to the following questions. 
1. Why my accounts were determined to be " high amounts owed on revolving accounts ''? What factors are integrated into your formulas. 
2. Does your credit score system recognize that the high balance being reported is from XX/XX/XXXX. 
3. Are monthly paid balances accounted for in any of your credit scoring procedures. 
4. XXXX  XXXX states they use the highest attained balance as their reported " high Balance ''. Do all similar credit reporting companies apply the same strategy, or do some use a 12, 24, or 36 month rolling high credit balance to more accurately reflect recent credit utilization patterns. ( Please provide detailed answers )
Product: Credit reporting

I try to challenge transunion reports and their website is constantly down. I am sure if i was a paying customer that site would be open. This is repeatedly going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against the three major credit reporting agencies, XXXX XXXX, XXXX XXXX, and Equifax Inc., for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies. 

I have identified multiple discrepancies and inaccuracies in the reporting of my personal information, including addresses, phone numbers, and employers, on my credit reports provided by these agencies. The only correct name and address that should be reporting are : Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX  XXXX, XXXX, IL XXXX However, the following information is inaccurate : Addresses : XXXX XXXX XXXX  XXXX , XXXX XXXX , IL  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Residential Employers : XXXX XXXX XXXX XXXX These inaccuracies are not only damaging my creditworthiness but also infringing upon my rights as a consumer seeking fair and accurate credit reporting. As per the FCRA, I have the right to dispute any information contained in my credit report that I believe to be inaccurate. 

I have requested these credit reporting agencies to investigate these inaccuracies and delete these entries from my credit reports in accordance with Section 1681s2 ( a ) ( 1 ) ( E ) of the FCRA. However, these inaccuracies continue to be included in my credit reports, damaging my creditworthiness and infringing upon my rights as a consumer. 

I kindly request the CFPB to intervene in this matter and ensure that these credit reporting agencies comply with the FCRA. I also request that these agencies provide written confirmation of the removal of these inaccuracies within 30 days, as per Section 1681s2 ( a ) ( 3 ) of the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt action in rectifying these violations and upholding the standards set forth by the Fair Credit Reporting Act. 

Sincerely,
Product: Credit reporting or other personal consumer reports

My identity was stolen some years back in XXXX I use my married name now because of this reason. 

XXXX XXXX XXXX. Open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Open XX/XX/XXXX
Product: Checking or savings account

So just about XXXX minutes ago about XXXX XXXX XXXX on XX/XX/year> I was attempting an account opening activity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and as part of the process I was asked to link an existing account which I did attempt to do. As part account linking activity XXXX XXXX XXXX XXXX XXXX XXXX uses the plaid service to provide instant linking via the verification process of XXXX XXXX XXXX  process begins it immediately pops up a PNC Bank account which is associated with my identity. This is fraud. It is identity theft. And it is bank and wire fraud. This is occurring out of the state of XXXX I stopped the verification process and sent a communication directly to Attorney General XXXX XXXX via the XXXX website demanding a criminal investigation and prosecution into PNC Bank and each and every person involved with this either directly or indirectly. PNC Bank is a corrupt far left WOKE bank which routinely discriminates against anyone who isn't far left and this is the type of criminal activity in which PNC bank engages. PNC XXXX XXXX XXXX is headquartered in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX must be investigated as to its role in this matter as XXXX XXXX XXXX XXXX is likely, also, directly involved and facilitated the fraud via a relationship I had with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX company. An extensive criminal investigation is immediately warranted, along with arrests and very step financial penalties. See attached photos taken just this morning. Also, note the short video attached which is only about XXXX seconds long but shows a lot of detail in that short period of time. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 - I sent a communication through the XXXX XXXX, which was received by your company on XX/XX/XXXX indicating the incorrect information being reported by your company. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( XXXX ) such amount of punitive damages as the court may allow ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

A charge-off is a canceled debt - and according to the IRS Publication XXXX a write-off is Gross income to me, and there's no way for you to allow income on my credit report. 

I was denied as result a {$31000.00} Auto extension of credit for my household use, and this has resulted in great harm to my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft and fraudulent accounts, i was out of the country from XXXX to XXXX i never lived in the address the accounts were opened under, see police report i also have my US passport as they stamped it the day i left and came back. 

CREDIT CARDS OEPNED UNDER FRUAD : XXXX XXXX opened XXXX XXXX and closed XXXX XXXX. 
XXXX XXXXXXXX XXXX opened XXXX XXXX and closed XXXX XXXX. 
XXXX XXXX opened XXXX XXXX and closed as a charge off in XXXX. CHECKING/SAVINGS ACCOUNTS OPENED UNDER FRAUD. 
XXXXXXXX XXXX opened XXXXXXXX XXXX XXXX opened XXXX twice XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2024, I was walking in the parking lot to go to the gym and was stopped by XXXX strangers who were XXXX men between the ages of XXXX in their car ( XXXXXXXX XXXX ) asking for directions. They explained to me a XXXX story of why they needed {$500.00} for a hotel and were going to XXXX me money so I could XXXX XXXX it to them and then they could get a hotel. 
After giving them my phone to them to enter their information and send me money, they showed me they " accidentally sent me {$5000.00}. '' Then they used my phone to send themselves {$4900.00} on XXXX XXXX ( their username : $ XXXX ) and let me keep {$100.00} for helping them. After they left, I realized the money that I thought they sent me via XXXX was actually a loan they applied for on my account without my consent. 

On the same day, I reported a fraud claim with Navy Federal which was later denied. I am currently waiting on the approval of a police report before I appeal the claim.
Product: Credit reporting or other personal consumer reports

My personal information was exposed in a data breach. As a result my credit report shows several accounts that doesn't belong to me and would like to have all of these accounts removed from my report. 

According to 15 USC 1681 I'm entitled to these rights Accounts : XXXX XXXX XXXX XXXX {$6000.00} ( Reached out to this community to resolve and they wasn't able to furnish any information nor resolve the account ) National credit Systems {$1800.00} ( Reached out to this community to resolve and they wasn't able to furnish any information nor resolve the account ) XXXX XXXX XXXX  {$840.00} ( Reached out to this community to resolve and they wasn't able to furnish any information nor resolve the account ) XXXX  ( Reached out to this community to resolve and they wasn't able to furnish any information nor resolve the account )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 a Hard Inquiry on a fraudulent application was submitted to CNBA On XX/XX/2017 a Hard Inquiry on a fraudulent application was submitted to Citibank N A On the day of each inquiry, I was notified by XXXX and both XXXX and myself called Citibank to notify them that was not me the application was fraudulent. 

Citibank took the appropriate actions and notified XXXX, XXXX XXXX and XXXX. 

XXXX and XXXX XXXX both removed the hard inquiry within a couple weeks. 

PROBLEM - XXXX will not remove without a police report. ( Police will not make a report since nothing was stolen ) I have tried for months - Two Hard Inquiries remain only on their report PROBLEM - Citibank helped during the initial dispute but now has no idea what to do. I asked them to notify XXXX that these two inquires are fraudulant and must be removed.
Product: Money transfer, virtual currency, or money service

Hello, I'm XXXX XXXX XXXX representing domestic XXXX XXXX XXXX. 
The XXXX has plans to develop and publish apps on Google Play so in behalf of it I opened the Google Play Console account and confirmed the corporation address. 
The Google Play sent me email ( Your identity has been XXXX ). 
Then I received notification that my Google Pay account is suspended with a link to the interactive form to upload documents. The XXXX has XXXX number and verified address was confirmed from XXXX. 
So I have uploaded my passport photo, XXXX XXXX XXXX XXXX stating this address ( that can also be found on Wyoming State business registry by typing the company name ). Also I tried to upload XXXX telephone bills with corporate address on it ( paperless meanwhile containing logo, transaction number etc. ) for XXXX and corporate bank statement for XXXX too. Also even when I said that account is corporate they asked for my personal address confirmation which I also sent to them my personal address confirmation from the XXXX XXXX XXXXXXXX statement. 
Every time after sending them documents I receive emails like this : " Thank you for taking the time to submit your information for verification. Unfortunately, what you submitted cant be used to verify your account details and you will need to re-submit the document using the secure form here. Specifically, we require that you submit a Proof of Address ( such as Bank Statement/ Water/ Electricity/ Gas/ Telephone Bills ) document that is dated within the past 90 days. 

Your data safety and privacy is very important to us. Google stores your information on secure servers and never shares it, except in the limited circumstances specified in our Privacy Policy. 

We make great efforts to review your documentation and reply to you within 24 hours. 

Thank you for your cooperation. ''
Product: Credit reporting or other personal consumer reports

and your account. 
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint against XXXX  and TransUnion regarding my credit report. Both companies have failed to provide any proof that I gave these lenders promission to pull my credit. I never gave these companies any consent to inquiry my credit report. There was a hard pull from XXXX XXXX XXXX on XX/XX/2017 and another hard pull from XXXX XXXX on XX/XX/2017. I need a signed application stating that I authorized these inquiries. If the credit companies can't provide these signed documents, please have these two hard pulls removed from my credit report. 
TransUnion file # XXXX and XXXX file # XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Dear transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pictures of proof included XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was change too XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XXXX XXXX XXXX  REMARKS : NOT SHOWING NOTICE OF DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX out of date & 90 DAYS NO LATES IN PAYMENT HISTORY. 

LAST PAYMENT CHANGED : FROM XXXX XXXX XXXX THATS A VIOLATION AS OF XX/XX/XXXX UPDATED TO XXXX  this account is incorrect LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. 

Remarks : THERES NO NOTICE OF DISPUTE PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. 

Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

FILE NUMBERS FROM PAST DISPUTES : XXXX XXXX FOR TRANSUNION
Product: Debt collection

Transworld Systems XXXX Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Debt Validation Account Number : XXXX Dear Transworld Systems, I am writing to request validation of the debt associated with the account number XXXX, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the following : A copy of the original assignment contract that evidences your right to collect on this debt. 
Documentation that verifies the amount owed and details of the original creditor. 
I request that you provide this information within 30 days of receiving this letter. If you are unable to provide the requested validation, I expect that you will delete this account from all credit bureaus and cease all collection activities against me.

Please consider this formal request to validate the debt before any further collection actions are taken. Failure to comply with my request as outlined may lead to a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and state regulatory agencies. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Debt collection

I started school six years ago and found out we were XXXX two weeks in and told them I could not continue and they told me that it was only two weeks if I dropped out within a month the student loan does not get processed. I signed the paper saying I dropped out and that was the last I heard from them. Now six years later I am trying to buy a home with my husband and they pulled my credit and on XX/XX/2017 Asset Recovery Solution said they bought a debt from the school and I now owe them {$6400.00} that I never heard about from six years ago.
Product: Debt collection

Lanier falselyreported on my credit report of a worker compensation bill, despite being notified. I understand that I havelegal protections under both state and federal laws. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies maintain accurate information and provides consumers the right to dispute inaccuracies therefore, I'm seeking removal of this entry. 

Date Reported : XX/XX/year> Collection Agency LANIER Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/year> Original Amount Owed {$1800.00} Amount {$1800.00} Status Date XX/XX/year> Status UNPAID Balance Date XX/XX/year> Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification XXXX