23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Originally I responded to the cable company that this was not my account, that I did not order that service if it was provided to someone, but I did not order. 
Later a collection agency started collecting, I equally replay that it was not mine. 
That agency placed delinquency in the credit bureau and I disputed. 
This was their answer. Despite that, the collectors neither the cable company are able to prove that I ordered that service. 
the following shows it all : From the XXXX  XXXX XXXX XXXX INVESTIGATION RESULTS - VERIFIED AS ACCURATE AND UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Not Specified. Here is how this account appears on your credit report following our investigation. 

I C SYSTEMS COLLECTIONS XXXX XXXX XXXX XXXX  XXXX, MN XXXX Account Details Account Details Payment Status Account Number # XXXX Name I C SYSTEMS COLLECTIONS XXXX XXXX XXXX XXXX  XXXX , MN XXXX ( XXXX ) XXXX Date Opened XX/XX/2018 Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$640.00} Original Amount {$640.00} Original Creditor XXXX XXXX ( Cable/Cellular ) Past Due {$640.00} Something else : The house at XXXX XXXX  XXXX. in the XXXX is my property, but I am living for several years at XXXX XXXX XXXX XXXX . 
XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I applied for a mortgage loan with NATIONSTART '' s lender. 
the closing date was on XXXX/XXXX/2016. 
I spoke all the time with XXXX XXXX Purchase Mortgage Professional NMLS : XXXX Greenlight Loans, a division of Nationstar Mortgage LLC Corporate NMLS : XXXX Phone : ( XXXX ) XXXX. 
I summited all DOCS to them. 
they knew that after 30 days of the contract, I will loss the DEPOSIT AND THE HOME INSPECTION as it was stipulated on the contract of the house. 
On XXXX/XXXX/16, I called XXXX and I asked him that the closing was on the next day XXXX/XXXX/16, he got upset with me and told me that he will return me all my documents. I NEVER requested my documents. Anyway, he sent me an e - mail saying that I requested my documents then after I requested to finish the process. XXXX XXXX sent me a DENIAL LETTER. 
I could n't understand if they told me before that the loan process was OK and that the only thing they need was to verify one document.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to comply with several provisions of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy of the information on my credit report. 15 U.S.C. 1681s-2 : Obligation of furnishers to provide accurate information. 15 U.S.C. 1681i ( a ) ( 5 ) : Duty to investigate and remove inaccurate or incomplete information. 15 U.S.C. 1681c ( c ) : Restrictions on reinsertion of previously deleted information without proper notice. I have sent multiple dispute letters to Equifax requesting corrections to inaccurate items on my credit report. However, they have failed to conduct proper investigations and continue to report errors. Additionally, Equifax has not complied with the requirements to provide notice or documentation of their reinvestigations or actions taken regarding my disputes. Recently, I became aware of the CFPB 's lawsuit against XXXX for its failure to properly investigate and resolve consumer disputes. This lawsuit highlights systemic issues in their practices, including improper reinsertion of errors and inadequate dispute investigations, which directly align with my experience. Their actions, or lack thereof, threaten my ability to obtain credit, housing, and employment. I am requesting the CFPB to investigate Equifax 's handling of my disputes and take appropriate action to ensure compliance with federal law. My experience reflects not only non-compliance with the FCRA but also a disregard for consumer protection rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prosper Market was sent several documents including their copy of the 1099a for the total unpaid balance on or around XX/XX/21. Even after that payment I was sent an email confirming they received the tender of payment and documents and proceeded to try to induce me into a fraud by asking for a check. They went on to say that they would continue to take the payements out of my linked checking account until they received the payoff payment amount as promised. I responded to their email and I have yet to receive a response back. Under duress, I wrote Prosper Market a check, Paid to the Order of the United States Treasury. It wa n't until then that Prosper Market sent me an email stating that the balance was paid in full. Soon after my consumer report was updated with an ontime payment, and the following month the report stated that the balance was paid in full. I just recently checked my credit report and Prosper has furnished a negative remark on my consumer report in the form of a late payment without my consent. Additionally, no one from this company has reached out to me personally before accessing my personal consumer report which is identity theft. Prosper Market is committing fraud by trying to force me to pay off the loan in federal reserve notes when federal law states that federal reserve notes is simply a promise to pay. Therefore it is my right to tender commercial paper as payment, and credit their institution as well as it is my right to provide them with a receipt to show goods have been received. Both of which was done in XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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!
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and notice some hard inquiries that I do not recognize and are all over 90 days old Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Vehicle loan or lease

Dear Staff, I am hoping that you can assist me with XXXX XXXX who continues to bill me and does not accept my payment following the end of a vehicle lease in early XX/XX/2018. I tried to pay this bill twice and am submitting evidence of the billing and my attempts of payment. I also called the company twice to resolve the bill, and they advised me during those calls that my account is in collection and that they needed to transfer me to that section, which they said was open for calls, yet when they transferred me the recording claimed they are closed for business. 

I have in the past leased twice from XXXX and made a third vehicle purchase, but I now understand that if a customer is not leasing or purchasing a vehicle, simply returning a lease, they use under-handed methods of incurring finance charges as a way of gaining money from the customer. I've worked very hard to have good credit, and their practices are now requiring me to seek your help and invest time in repairing my credit. I resent that they believe they can treat customers this way. Please assist me and let me know what further information you may need in addition to the documentation I'm attaching to this complaint. I greatly appreciate your assistance!
Product: Checking or savings account

I opened a Wells Fargo Teen Checking account at XXXX with my mother listed as co-owner ( link to account description via XXXX machine https : XXXX : XXXX  ). Wells Fargo then transitioned my account to a XXXX XXXX XXXX  account on XX/XX/XXXX. Recently, I noticed that they have been charging me a $ XXXX maintenance fee ( for the last XXXX months ), when if I was the primary, as they should have initially set up the account in XXXX, I would've been eligible for the fee waiver and not have to pay a monthly maintenance fee ( XXXX XXXX XXXX XXXX.
Product: Credit card

Chase closed my credit card account in XXXX. I went on line in XXXX and paid the final bill and I thought I was done with this card. I never received another statement and didn't go on-online to check too check this account further since it was closed and I paid in full. Then in XXXX I receive a notice from Chase that my account was past due. I went online and saw that even though my account was closed, they allowed a charge from the XXXX XXXX  ( I had canceled this subscription in XXXX and should not have been charged ) in the amount of {$65.00} to post to my account and then charged a late fee and interest since I didn't pay it. I called Chase. They said they were going to put the {$65.00} in dispute status and reverse the late charge. Today I received a notice from my credit monitoring app that my credit score had gone down 80 points because of a late payment to Chase. I go online and see that they never processed the dispute and they charged me a new late fee in XXXX. I just hung up with Chase and they are again saying they will start the dispute process and reverse the charge.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Telfono : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX Incorrect Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX  XXXXXXXX XXXX XXXXXXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Current Employer : I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements.

I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above.

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law.

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

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I noticed an account being reported that was not authorized on all three bureaus. I contacted the three main reporting agencies and requested this account be removed or verifiable proof used to validate the debt and and the data reporting. XXXX removed the account but never provided the inaccurate information to the other bureaus as required under the FCRA. I submitted the investigation results to XXXX  and Experian that XXXX  showed removed from my credit file. Unfortunately they have yet to remove or provide any debt validation or method of verification used to verify the account in question.
Product: Checking or savings account

I'm unsure whether my problem matches this category, but Chase still withholds my money. I am writing to express my concern and dissatisfaction regarding my banking experience with Chase Bank, specifically concerning repeated issues related to my tax documentation. I opened both checking account ( ending in XXXX ) and savings account XXXX XXXX XXXX XXXX XXXX  at Chase on XX/XX/year>XXXX XXXX XXXX XXXX XXXX branch with the assistance of a banker named XXXX XXXX. 

Since opening my accounts, I have repeatedly received mailed requests from Chase asking for XXXX and " Reason for U.S. Address '' XXXX XXXX  ) forms. I completed and mailed these forms together with the copies of my IDs back to Chase in XX/XX/year>. Additionally, I have personally visited the local branch three separate times during this summer to update and verify my tax documentation, including completing the Affidavit of Unchanged Status. Each time, I thoroughly checked the documents, had them reviewed by a friend who is a tax advisor, and ensured that the banker, XXXX XXXX, also confirmed their accuracy. From our understanding, there was nothing wrong with the documentation. 

However, I continue to receive vague notices from Chase claiming that my forms are incorrect, without any clear indication of which sections or fields or blanks or lines are in error. Despite requesting that XXXX send an inquiry for clarification, I have not received any specific feedback or resolution. The notices I receive only provide general statements, leaving me without any actionable information to correct the alleged issue. 

This situation has been ongoing for over six months, and during this time, my tax withhold status has not been corrected. This has resulted in withholding from my accounts, which I believe should be refunded according to the regulations governing such issues. I am seeking your assistance in resolving this matter. Specifically, I request that Chase be directed to : 1 ) Provide clear and specific feedback regarding any alleged errors in my tax documentation. Tell me which sections or fields or blanks or lines are in error.

2 ) If my mailed documents are correct, please remove the incorrect tax withhold status from my accounts and refund any money that has been withheld during the 2024 calendar year.
Product: Checking or savings account

On XX/XX/XXXX I was notified by SunTrust that my Debit card had been 'Compromised ' and that they were going to cancel my existing card and issue a new card. After I had been notified someone attempted to access my account by doing a balance inquiry. SunTrust debited my account a 'Non SunTrust ATM Fee ATM Balance Inquiry Fee '. This balance inquiry was not done by me. As soon as I noticed the fee charged to my debit card I contacted SunTrust by phone. This was on XX/XX/XXXX at XXXX XXXX. I was on the phone with the SunTrust Fraud department for 29 minutes and 36 seconds. I was told repeatedly that it was against SunTrust Policy to reverse charges for fees even when they were not incurred by the account holder. For a bank to charge a fee to a customer that they know was not incurred by the customer is beyond ridiculous. I would like to have the CFPB advice SunTrust that their actions are petty and not in the interest of their customers.
Product: Debt collection

I'm writing about a concerning issue with my credit file. I've discovered a collection entry from your agency that I was never informed about. I have serious doubts about the accuracy of this claimed debt. Under the Fair Debt Collection Practices Act, I'm entitled to request debt validation. I'm exercising this right and ask that you provide the necessary validation and address this matter.
Product: Checking or savings account

On XX/XX/2022, at XXXX XXXX  XXXX I received a text alert from Chime Bank that a withdrawal in the amount of {$220.00} was taken from my account from an ATM 5 miles away. Needless to say, I was quite surprised as my ATM card was in my wallet on my person at work, 5 miles away from the ATM. I immediately called Chime to alert them of the unauthorized withdrawal. I also filed a police report with the XXXX police department, and emailed a copy of that to Chime. 

It is now XX/XX/XXXX, and Chime has yet to resolve this issue.
Product: Credit card or prepaid card

Since XX/XX/XXXX, purchases made showed as pending transaction. The vendors received full payment and Comenity Bank refuses to remove the pending status even though they also show posted. I have tried on numerous occasions to address this situation with Comenity customer service. Their response is they see the pending and posted charges but they can not remove the pending status. The pending status will remain until XX/XX/XXXX and some until XX/XX/XXXX. They have no answer for the incorrect posting and refuse to allow me to contact any person or entity beyond customer service.
Product: Credit reporting or other personal consumer reports

Remove the following account because the payment history reflects continued reporting a charge off after this account was closed. This represent an improper use of my credit report and this is detrimental for me and my family. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting

For the past few years/months I have been in dispute with Experian and XXXX regarding inaccurate info reporting in my credit file. Experian stated there is nothing they can do, basically they have to honor what fingerhut is reporting even if I provide documentation from XXXX showing that the reporting is incorrect. I have been in contact with fingerhut to no avail. Over 30-50 calls but no correction. This account was paid XXXX XXXX and yet they report it charged off in XXXX XXXX. Just this weekend they up dated this same account after I called and complained again. This time they Reaged the debt stating that it charged off in XXXX XXXX. XXXX is well aware this is not factual as the account was paid in full in XXXX. They even gave documentation to me saying this and have also verbalized this. I am seeking help as I feel that I am being penalized for just asking for XXXX to do the right thing and report factual info. The credit bureau is not helping and basically advised me they are the middle person and since XXXX is governed by law to provide factual info, they have to believe their reporting over mine even if their reporting is erroneous. 

Thank you for your time
Product: Credit reporting, credit repair services, 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 # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : 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 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, credit repair services, or other personal consumer reports

You have violated various laws under the FCRA, and I am looking into seeking litigation as you are not taking my disputes seriously. 
FCRA 15 U.S.C. 1681a, you are required to report accurate and fair credit files.

FCRA 15 U.S.C. 1681e : you are reporting false and misleading information FCRA 15 U.S.C. 1666b, Timing of payments FCRA 15 U.S.C. 1605, Determination of finance charge Dept/XXXX  Acct # XXXX Dispute reason : Inaccurate payment history, Date of last payment XXXX different years, Balance update Instruction : Please update payment history current/never late or deleted the account The list of inaccurate information : TransUnion mail dispute results XXXX XX/XX/XXXX. The investigation results verified as accurate JXXXX XXXX 90 days late XXXX XXXX 90 days late XXXX XXXX  120 days late XXXX XXXX 120 days late XXXX XXXX 120 days late Transunion Date of last activity XX/XX/XXXX Transunion Balance updated XX/XX/XXXX XXXX email results on XX/XX/XXXX, the investigation results verified as accurate. They added a late payment XXXX XXXX 90 days late XXXX XXXX  120 days late XXXX XXXX 150 days late XXXX XXXX  180 days late XXXX Date of last activity XX/XX/XXXX XXXX Balance update XX/XX/XXXX PLEASE SEE ALL ATTACHED DOCUMENTS!!!!
Product: Mortgage

Attempting to make a payment after rocket mortgage conducted my second escrow analysis in two months. After the first analysis they told me I'd have an overage, which I told them to keep. The second analysis resulted in a shortage. 

Anyways I noticed that my monthly payment had changed, so I went to adjust my already scheduled payment for XX/XX/XXXX, which was to be withdrawn on XX/XX/XXXX. For the past hour I've been trying to submit a payment or contact customer service. When calling the office they give no indication that customer service will ever be available or like their hours of operation or anything. It seems like their customer service is indefinitely closed. The online payment system isn't accepting payments currently from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying XXXXm using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Product: Mortgage

My property foreclosed, the was sold, the HELOC holder, SLS is still Asking me for money. When the house foreclosed, the loans was extinguished. SLS has placed it on my credit report, it is ruining my credit. SLS was offered to communicate with the primary lender at the time of foreclosure, but they refused.