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

Upon reviewing my credit report, I noticed a series of inquiries that I do not recognize, for which I have already disputed with the credit bureaus. However, they have not provided me with the information that could validate them, which has led me to file this complaint for their removal, as they are incurring in violations of 15 USC : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.

The disputed inquiries are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit account at MACYs Department store in XXXX when I first moved here in XX/XX/2018. The only picture I.D . I had with me was an old drivers license from a previous address in XXXX, TN. I specifically told the clerk ( with my wife as a witness ) not to use that address and I verbally gave her my correct address in XXXX. I also provided on the credit application my telephone number and e-mail address. I had only the one charge on the account from that day and MACYs mailed the invoices to the wrong address and I never received them. I was never contacted by phone or e-mail regarding the unpaid invoice and I only realized the error in XX/XX/2018 when I checked my credit report. Upon identifying the error I called MACYs and immediately paid the balance by credit card over the telephone ( which had now ballooned to twice the original charge due to penalties ). All I asked is that they contact the credit reporting agencies and have it removed. I have written them several letters and provided all the necessary information to prove to them I had not resided at the TN address for over 4 years ( which is why the invoices were not forwarded to my correct address ). They have no legitimate reason for not contacting me by either phone or email. I sincerely appreciate any help your agency can provide me to rectify this situation and clear this blemish on my credit report. Thank you, XXXX XXXX
Product: Credit card or prepaid card

I opened the account in XX/XX/XXXX and they had a new card member special of spend {$500.00} within 90 days and get a {$100.00} statement credit. I spent {$740.00} on XX/XX/XXXX and have yet to receive my {$100.00} credit. I've called and emailed multiple times and still haven't gotten my credit, seems to be different stories of why it hasn't shown up but all reps I speak to say it should show up.
Product: Mortgage

Freedom Mortgage acquired our Mortgage ( # XXXX ) in XXXX of XXXX. Since then I have received almost monthly letters regarding the insurance for the Condo Unit. Until they acquired the mortgage, I had never had an issue with insurance for the Condo ( which we have owned since XXXX ). They are claiming that we did not have sufficient coverage for XX/XX/XXXX - XX/XX/XXXX and have charged XXXX {$700.00} for this time period. I have two issues with this charge. 

XXXX ) It was not clear what needed to be fixed until it was too late to get sufficient coverage and avoid them purchasing insurance for us. It was not until XX/XX/XXXX that I was informed by phone that I needed at least {$170000.00} of coverage, but only had {$160000.00}. In fact, I received a letter from them dated XX/XX/XXXX, that stated they had canceled the lender-provided insurance. 

XXXX ) The insurance they did provide is predatory. They not only insured for the total cost of the Unit ( {$400000.00} ), which is more than is required by Massachusetts law but also at inflated rates. Additionally, the condo for this time was insured by XXXX parties ( XXXX XXXXo Insurance, XXXX XXXX XXXX insurance for $ XXXX, and their XXXX insurance for $ XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

FILE A COMPLAINT REGARDING FAILURE TO MOV
Product: Credit reporting, credit repair services, or other personal consumer reports

his consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute a late payment reported on my credit file. The reported late payment associated with XXXX XXXX, account number XXXX, is inaccurate and requires immediate investigation under federal law. 

Pursuant to 15 U.S. Code 1681s-2 ( a ), furnishers of information are required to report only accurate information. Additionally, under 15 U.S. Code 1666b and 12 CFR 1026.13, consumers have the right to dispute billing errors, including incorrect late payment reporting. As this late payment was reported in error, I request its immediate removal from my credit report.

I demand that if unable to do so or lacking proof of these payments being late. Please update my payment history to PAANL ( Paid as agreed never late ) Please conduct an investigation into this matter and provide written confirmation of the correction. If you are unable to verify the accuracy of this late payment, I request its removal per the Fair Credit Reporting Act ( FCRA ).

Thank you for your prompt attention to this matter. Please provide a written response within 30 days, as required by law. If you need further information, feel free to contact me at the details above. 

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

I would like my fraud alerts removed
Product: Credit reporting or other personal consumer reports

In proper use of my information per Privacy act 5UCS XXXX XXXX Acct # ending in XXXX {$3800.00} Acct # ending in XXXX {$3400.00}
Product: Credit card or prepaid card

I received a promotional offer stating that if I used my credit card on any 5 purchases that total {$100.00} from XX/XX/XXXX-XX/XX/XXXX, I would receive a {$10.00} bonus as a statement credit ( within 90 days after the end of the promotion ). 

I made 5 purchases from XX/XX/XXXX-XX/XX/XXXX totaling {$110.00}. 

I waited until XX/XX/XXXX ... .when I should have seen the credit, as XX/XX/XXXX was 90 days. Then I waited for a statement or 2 more ... .no credit. 

On XX/XX/XXXX I called the bank issuing the credit card and spoke to XXXX, describing the situation to him. He reviewed my account and agreed I should have gotten the {$10.00} credit. He said someone would call me back within 3 days. 

No one ever called and I still have not gotten the credit.
Product: Debt collection

We have hired an attorney on XXXX XXXX to assist us in contacting Real Time Resolutions. As of XXXX/XXXX/XXXX Real Time Resolutions has not responded to any emails, phone calls or letters in regards to our closed account with them. 

The account was in relation to a mortgage loan associated with our XXXX home XXXX XXXX XXXX. 
Effective XXXX XXXX we no longer carried a mortgage on the home, as we voluntarily agreed to a forclosure. The original mortgage was an XXXX carried by XXXX XXXX XXXX XXXX. 
Not until after XXXX XXXX were we informed that we had a collections account active from Real Time Resolutions for the unsatisfied amount of the Home loan. 

Real Time Resolutions took the debt over after the sale of the forclosure to collect on the unsatisfied amount ( XXXX % ) which after the sale is considered an unsecured loan. 

Payment arrangement have never been made between us and real time resolutions at any time. We contacted them in XXXX XXXX and agreed on a settlement amount to close the collections account. It was then that we realized they have been reporting to the credit bureaus as late for every month up to XXXX XXXX as being XXXX days late. 
An earlier credit report shows a the correct labeling of the collection, but also reflects the incorrect late pay reportings. 
As of today in an attempt to be pre approved for a home loan we have been notified that the label of the account has recently changed to as a " mortgage account ''. 

We brought the matter to our current attorney, and he has informed us that the account has been mislabeled and should be labeled as an unsecured installment loan. We have been attempting to contact them since XXXX XXXX, XXXX at first for the incorrect reporting of late payments and now we are also facing an incorrect labeling of the account. 

Attached you will find the letter showing the settlement paid to Real Time Resolution, and County court docs supporting the sale of the home we no longer owned effective XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 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
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX for multiple violations of federal consumer protection laws. 

Specifically, XXXX XXXX has : Failed to Provide Validation Information : The agency has reported a closed collection account to a consumer reporting agency without providing the required validation information as outlined in 12 CFR 1005.34 ( b ) ( 5 ).

Disregarded Dispute Rights : Despite my attempts to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ), the agency has continued to report inaccurate information.

Engaged in Deceptive and Misleading Practices : The agency has used false, misleading, and deceptive means in its collection efforts, violating federal consumer protection laws.

Furnished Information Without Proper Authority : The agency has furnished information to consumer reporting agencies without complying with the disclosure requirements of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I have attached a screenshot of the credit reports to substantiate my claims. 
I request that the CFPB investigate these allegations and take appropriate action against XXXX to ensure compliance with federal consumer protection laws. 


Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I called because my card was declined when I was trying to pay the rent on the residential hotel where I was staying and was running late for work because of it. They kept me on hold for a long time after Itold them how urgent indexed help and we 're completely inflexible to helping me. They said ... my card was deactivated and did not offer me any solution. Even when I attempted to call order a replacement card they refused! They told me that they would not use the address of the residential hotel and we 're even going to proceed closing my account against my will. I tried providing the address of my employer and the address of a friend who agreed to let me receive mail there and they are refusing to replace my card. I 'm now 2 hours late for work and getting kicked out of the residential hotel where I was living. I 'm going to have to go stay with my friend who was previously just going to let me receive mail at his house. They say they are closing my account because I ca n't provide a residential address ( I have ). Now I have no access to MY money! I called BBVA Compass bank which owns Simple Bank. BBVA offered to help me but they were unable to access my account since it was with their subsidiary. They did contact Simple on my behalf but were still unable to help and transfered me back to Simple on the same call. I spoke with XXXX in customer service and he was unable to provide me with legal documentation stating the address requirements but refused to use the address I provided. He also refused to have my card mailed to a BBVA location which was a possible solution that the BBVA rep had offered when I was on the phone with them. I Lastly I asked him to provide me the contact information for their agent of service so I could file a lawsuit and he refused to provide me with that information.
Product: Bank account or service

In 2006 I had an account with Wells Fargo in XXXX, My husband and I decided to move to XXXX. I waited until we had moved to XXXX to close the account because I used the debit card going through XXXX. When I got to XXXX, I closed the account the XXXX of 2006. At the time, there was an amount of {$36.00} which I withdrew Nearly two years ago, I recieved a call from Wells Fargo telling me that I owed them {$300.00} for this account that had monthly fees that had built up. I told them that I had closed the account. The paperwork ( over 7 years ago ) had been lost due to moving and a fire in our storage shed. I did not hear amything until today when my daughter in XXXX had a process server show up at her house looking for me! I called the number they gave her and a representative Now they are telling me that I owe them over {$800.00}! They said that I have to make a physical appearance if I decide to go to court and if I lose they will charge me over {$3000.00} for the attorney fees. They said they tried to serve me but they did not have my physical address to do so and could not physically serve me at the mailbox I use. I do not owe them anything and this is ridiculous! I would n't do business with these people for any amount of money and at the time of the closing of the account, I was tired of their fees and policies and customer service. Now they tell me that I owe them some huge amount of money for an account that I closed?? I am on XXXX and they are threatening to take my vehicle and attach my check when it is deposited. They are going to serve me again but I can not afford to pay this and I do not owe it. They are scamming to get money. HELP!
Product: Credit reporting or other personal consumer reports

Dear XXXX I have submitted to the CPFB a complaint and have attached proof of All documents and requests. 

NOTICE OF INTENT TO FILE FORMAL FTC COMPLAINT RE : Dispute Letter ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) ( contacted fraud dept XX/XX/XXXX XXXX as well as XX/XX/XXXX - XX/XX/XXXX, daily with no resolution. You still have not provided any proof of documents and where and from whom you obtained those documents. 
I have sent 3 letters asking for a correction to my credit report and have received no response.

This letter is formal notice of my intent to file a complaint with the Federal Trade Commission. 

The mailing receipts indicate that you received my letters. Copies of the original letters are included with this letter showing the items that need correction. Under the Fair Credit Reporting Act, you have to address disputes within 30 days, and you have not done so. 

I expect action to be taken to address my dispute. After the correction ( s ) are made, please remove these items from my report. Please provide me with an updated credit report, and also send the report to any creditors who have requested my credit report in the last six months. I would also like the names, addresses and telephone numbers of the creditors who received my reports within the past six months. 

If you determine that no adjustments are to be made to my credit report, please provide the information you used to make that determination.

If I do not receive a response in the next 24 -48 hours, I will file a formal FTC complaint. 

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

I have been monitoring my report and I noticed that my credit score went down to XXXX inquiries that I did nit authorize and it took my score down very low and It has impacted my life with added stress with the XXXX. I am really in the red zone right now and I do not agree with the actions taken
Product: Checking or savings account

1 I opened a Savings Account with BMO Harris Bank on XX/XX/XXXX. A initial deposit by check of {$5000.00} was sent to them on XX/XX/XXXX. The check was paid by my Bank on XX/XX/XXXX. Now BMO Harris has put a hold on the funds until XX/XX/XXXX which is 12 days AFTER my Bank disbursed the {$5000.00}. In the meantime the money is idle and not earning interest. This hold of 12 days is excessive and abusive. 
2. The interest is not posting as of the end of the month as it is customary with all Banks. BMO Harris says it will show the interest posted at the end of the monthly cycler. 
3. To talk to a human at BMO Harris takes usually 30 minutes or more on hold. UNACCEPTABLE! 
4. Communications by email go unanswered. 
5. When you ask to talk to a responsible Manager you are not allowed and given a runaround. 

In my opinion, this Bank is a SCAM and should be investigated by Federal Banking Authorities. I have now made a 2nd deposit of {$5000.00} via on-line transfer and they don't even acknowledge that 2nd deposit. I am very concerned that my {$10000.00} will be lost! 

Please investigate and let me know! 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are six of them for each date of inquire on my credit report from OneMain Financial. They refused to remove it during XXXX of the month. 

Action activity : XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22.
Product: Money transfer, virtual currency, or money service

After making a single sale on XXXX, PayPal froze my account and created an error described as " Your account access is temporarily limited ''. I was not notified that my account was frozen by any means ( call, text, email ), and only until I attempted to make another sale was I notified of the account freeze. 

I use paypal for multiple reasons including payment to friends, business transactions, and selling goods on websites such as XXXX and XXXX, where paypal is the only verified account that can be used to sell goods on these sites. 

Since XX/XX/XXXX, I've been attempting on a daily basis to have my account reopened. On XX/XX/XXXX, I submitted my driver 's license and a copy of a receipt for the good I sold on XXXX. I was told within 48 hours it would be reviewed and resolved. 

On Thursday, XX/XX/XXXX, I noticed my account was still locked. I called paypal ( since they have no chat option ) and the estimated wait time was between 1 hour to 1.5 hours. I received a call back and was told a ticket was put in to escalate my issue and that within 24 hours it should be resolved. 

On Friday, XX/XX/XXXX, I called back as my account was still locked and was told " the ticket had been closed '', but given no reason why. The call center rep informed me that the issue would be resolved and that I would have immediate access to my account. Both times I was speaking with call center agents in XXXX XXXX. 

As of today, XX/XX/XXXX, I still do not have access to my account and am attempting to call back again. This delay has hampered me in selling goods on websites that require PayPal, and I still don't understand why my account was " limited ''.
Product: Debt collection

Accounts Receivable XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Florida XXXX Contacted me about a debt owed. I sent a Debt Validation letter to them within proper time limit requesting information and stated to treat this debt as being in dispute and under discussion between us. They sent back part of information requested, but failed to provide all requested information including proper Licensing Information and/or a Certificate of Authority from my state of XXXX and their state of Florida. I sent XXXX XXXX letters requesting this XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They failed to comply and I haven't heard back from them til MayXX/XX/XXXX. I considered this matter closed, but XXXX XXXX called me from Accounts XXXX and was very rude, very loud, yelling, not cooperative and he hung up on me. I called back to talk to a superior, and she also was very rude, talked over me, did not recognize my valid debt Validation request where I specified that 28 days have lasped all 3 times. She also did not listen to my complaint about her employee yelling at me on the phone. I had considered this matter closed per my last letter and any further inquiries will be sent to the Attorney XXXX office of Florida. I filed a complain today with the Attorney General against Accounts XXXX for harassment.