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

Whom it my Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, Incomplete, or which can not be verified. 

It is also my understanding that Under the FCRA 15 U.S.C 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
I am now enacting my consumer and Civil Rights to compel you to annul with permanent Deletion of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. 

The following derogatory account accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be remove immediately. Do so TODAY, even right NOW! The obvious infractions are as follow : Alleging Creditor and Account as is reported on my credit report : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account- XXXX Comment : inaccurate, DATE OPEN, on TransUnion XXXX and XXXX, report NOT ACCURATE ACCORDING TO XXXX XXXX Guide Lines Thank you for your time and helping this matter. 

Sincerely XXXX XXXX XXXX
Product: Mortgage

NFCU Mortgage and XXXX Insurance Section sent XXXX threatening letters regarding Master Flood and Master Hazard insurance on the condominium we own. The letters inferred that we ( the XXXX ) did not have insurance and I / we ( the owners of unit XXXX ) did not provide proof, NFCU would buy the insurance at an additional cost to us ( the owners ). Upon investigating this allegation, we contacted the XXXX insurance company and quickly resolved the situation. The NFCU Mortgage and XXXX Insurance Section could have performed this task just as easily,,, but was either too lazy or incompetent to execute the task. The letters as written are not customer friendly, ,in fact they are downright insulting to any long term member ( 20 years ).
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : We are writing to inform you that we have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your company 's failure to remove debts included in our federal bankruptcy. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 1 ), and the automatic stay provisions under Section 362 ( a ) of the United States Bankruptcy Code, debts discharged in bankruptcy should no longer be reported as active debts. 

Furthermore, any attempts to report or collect these debts are prohibited immediately upon filing for bankruptcy. 

Despite our previous attempts to resolve this issue directly with Citibank, the incorrect reporting of these debts remains on our credit report. This debt is still being reported to all three credit reporting agencies, and most notably, XXXX has continued to show the balance, late payments, and the debt to date. We expect immediate action to rectify this situation in compliance with federal law. 

Please confirm receipt of this notice and provide an update on the status of the removal of the aforementioned debts from our credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX Date of Birth XXXX XXXX XXXX Date of Birth XXXX : XXXX Last four of social for XXXX : XXXX Last four of social for XXXX : XXXX
Product: Checking or savings account

I opened an M & T Bank account to get a bonus, which required me to transfer {$10000.00} into my account. When I attempted to do this, I learned that their bank to bank transfer option was under maintenance and there was no estimated date for when it would work again. Then I attempted to transfer funds via XXXX, but that system caps the maximum amounts far below what I needed. 

When I brought this to the attention of M & T 's customer service, I got the same response twice : If your account has been open less than 180 days, we will assess a {$50.00} account closing fee. 

M & T Bank is refusing to waive the {$50.00} fee even though their bank and transfer systems do not allow me to transfer money into my account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/12, I received email alert from one of the credit bureaus that there's a hard enquiry on my credit file. I checked all the 3 bureaus and found this hard enquiry on file : XXXX : EVERETT FINANCIAL IN XXXX XXXX XXXXXXXXEVERETT FINAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEVERETT FI I also received an email from Supreme Lending , the lender who did a pre-approval for me more than 13 months back, stating that they have to keep their records current and therefore ran a credit check!!!. I never authorized that lender to run my credit except for the purpose of pre-approval. I spoke to the company and they repeated the same thing that they have to keep their qualifying factors current. I insisted ( in email ) that I never authorized you or expressed my intent to get loan from you until the house is nearing completion. 

I want this credit enquiry to be removed from all credit bureaus. And I think the lender can do it.
Product: Credit card

Applied for Capital One Business Green Spark Card Online. Online Advertising for the Card suggests high credit limits to induce business owners to apply. Nothing in the application process suggests credit limits or informs you of prequalified limits and as a result processes application including credit check ( negative for/ on credit score ). Credit gets approved for {$5000.00} which is useless for a business my size ( we look to spend $ XXXX-XXXX using card ). Now, I have a useless card and negative with credit bureaus for applying.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX # XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX i Do not autorize these inquiries XX/XX/2023 XXXX I dont remember authorizing this inquiries
Product: Credit reporting

I found a collection record in my credit report for {$35.00} without any notices from XXXX XXXX XXXX in XXXX XXXX 2014. They said the only way to remove it from my report is to pay if off. I paid it off but it 's still show in my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have illegal late payments reporting on 2 accounts " XXXX '' & " XXXX '' that weren't late and it's illegal under " 15USC 1666 ( a ) and ( b ) '' for a late payment to be on my credit report. 
( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Furthermore " 15USC 1605 '' is also being violated by EXPERIAN AS WELL
Product: Mortgage

My loan with XXXX was transferred to Select Portfolio Servicing , Inc . However a new title was not recorded. I had an agreement with XXXX that some old payment were deferred to the end of the loan. SPS want me to make payments now. I sent documentation that they will not honor because they said that they are not authorized. It appears there is another company UXXXX. I requested a restructure based on the home affordability act. They said they were not authorized. I requested arbitration based on my original agreement with XXXX and they would not do that too. This has been going on since XXXX 2015.
Product: Checking or savings account

Michigan Unemployment deposited {$570.00} with XXXX XXXX XXXX  on a XXXX debit card account on XX/XX/XXXX, my final unemployment " check ''. On XX/XX/XXXX I used this debit card at my bank ATM, Huntington Bank. I tried to withdraw {$300.00} from the Huntington ATM located at XXXX XXXX, XXXX XXXX XXXX, MI. I could hear the ATM counting out the money, then all of a sudden the screen changed to a not authorized screen, then sounded like the ATM was counting money again and I never got a receipt or my {$300.00}. 
Did it give my money to next customer or what? ( I had a earlier problem with this ATM and Huntington Bank and my personal account where I withdrew {$400.00} and it debited my account {$800.00}. on this occasion, branch put the extra {$400.00} back in my account ). 
I drove directly to my local Huntington bank branch, located at XXXX XXXX  XXXX, XXXX XXXX XXXX, MI. The Huntington employee, ( a woman, no name ), took 15 minutes, and her making two phone calls, to convince her that Huntington even had a ATM at XXXX XXXX. XXXX XXXX XXXX  deducted the {$300.00} from my card balance. 
After telling her my story, she told me this has nothing to do with Huntington, and that I need to contact XXXX XXXX XXXX. I contacted XXXX XXXX XXXX  and they deposited {$300.00}, plus {$4.00} ATM fee tentatively, back into my account, until investigation completed. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. stating that, '' based on their investigation, we have concluded no error occurred '', and they want {$300.00} back. I now have a negative {$300.00} balance on this unemployment payment account. Claim # XXXX The letter goes on to say that a copy of the documents they used in their determination can be provided by calling number on my XXXX, XXXX XXXX XXXX. I called XXXX XXXX XXXX  at this number in XXXX, spoke with a gal that could not provide any details and was no help at all. I asked her to send me a copy of their documents, she agreed to, and I have not received anything at all. They just debited my account {$300.00} so I have a negative balance. 
Huntington bank has not been any help either. I did not get this money from the ATM and I am particularly outraged that XXXX XXXX XXXX  operates like this with people 's unemployment money. I just tried Huntington bank as part of promotional program to get {$150.00} for opening new account, then they turn around and XXXX me out of {$300.00}! 
Personally, I think the problem is with Huntington ATM as far as cash outlay or completing the transaction and XXXX XXXX XXXX  just logged the transaction and debited my account. The XXXX XXXX XXXX  gal made a comment about if the ATM comes up short or not at it's next re-filling might be how they check. We are even now, so I am not paying XXXX XXXX XXXX  the {$300.00} they claim I owe. I will also be filing a complaint with Michigan Unemployment to make them aware of XXXX XXXX XXXX  practices to card holders. I have since retired and have no further use for either of these financial institutions, or their XXXX XXXX school of business ethics! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information 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 response 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 I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amen the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several issues with my credit reporting One If my credit show XXXX debt why did the score drop 82 points with TransUnion and 6 points with XXXX  if the debt is XXXX the score should go up not down. Instead of showing the XXXX  mortgage paid in full it is showing a closed account which is wrong it should show it paid off. Number two XXXX is showing a late payment over XXXX or less and it was because they didn't change the phone numbers 18 months ago when asked to do so and they could not contact us to inform us of a payment due. We pay the entire credit balance each and every month. This is wrong as they could have contacted us if they did their job and changed the number the same with XXXX XXXX they didn't change the number either I spent hours this morning trying to do their numbers and get them right what is it today no one wants to do their jobs and it effects the customers in a negative way. If you look XXXX has a complaint with you about this by my husband
Product: Credit card or prepaid card

I have/had 2 credit card accounts with Bank of America since XXXX. I had been charged annual fees on both accounts until approximately XXXX. When I called and asked why I had been getting charged an annual fee ( on both accounts ) and what benefits I gained from having to pay these fees. I was informed there were no benefits and they didn't know why I was being charged. I asked for a refund of all the fees paid, but was denied. MAYBE the exception was the current year 's fee, but I don't remember for sure. I wrote a letter of complaint and was further denied. A representative did call me and we spoke about it, but was told I waited too long to request a refund. I was not happy, but had no choice but to accept it. One account has been paid in full since, but there still is an active account with them now.
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 correction 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
Product: Money transfer, virtual currency, or money service

This is about coinbase. I am trying to cash out my assets but they wont let me. WORST website ever and clearly a scam. They are telling me in writing the available assets i have to withdraw, but then when i try to do it, it says the amount is too large and that i don't have the assets to cover it. So i tried to withdraw only XXXX DOLLAR and it says the same thing. Total scam. I searched online and apparently they do this to a bunch of people over the last few years. 

I contacted customer service and they were absolutely useless and told me that i didn't have money in the account. When i showed them the screenshots of my assets there, they then said it is because there is an open order on my account, but there is not. I went to the order page t ensure that there were no open ones and just to be safe, i cancelled every order that could have maybe been open. This still didn't work. They will not let me have my funds.
Product: Credit reporting or other personal consumer reports

Last car payment was for a different amount and the autopay would not accept the last payment. Credit report shows account deliquent
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to XXXX, XXXX, and TransUnion on XX/XX/2023 requesting that they all remove late payments and student loan accounts from my consumer credit report as this information is listed in violation of the following consumer credit protection laws : 15 USC 1681 Section 602 which states that I have the right to privacy 15 USC 1681 Section 604 A Section 2 which states a consumer reporting agency can not furnish an account without my written consent. *15 USC 1681a - Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1666B A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for purpose. In addition, I requested proof of how information regarding the listed items were furnished and have not received a response from any of the bureaus. The listed information is in direct violation of my consumer protection rights as I have never authorized them to list this information and contacted XXXX XXXX XXXX listed on my credit reports and was informed that this information was never supplied to any consumer reporting agencies.
Product: Debt collection

On XX/XX/year>, my wife contacted Chase after I discovered an unauthorized Chase credit card account on my credit report while purchasing a new vehicle. During that call, a Chase representative informed her that the Chase Security Team had flagged the account for fraud on XX/XX/year>, and planned to close it. We requested written confirmation of this decision so that we could provide it to the XXXX XXXX  credit bureaus for account removal. My wife was assured that the letter would be mailed to our forwarding address and received within 7-14 days. 

However, after waiting more than a month without receiving the letter, I followed up with Chase on XX/XX/year>. At that time, I was informed that the Chase XXXX XXXX had decided not to close the account, despite my fraud report. 

Chases failure to properly investigate and close this fraudulent account violates the Truth in Lending Act ( TILA ) and the Fair Credit Billing Act ( FCBA ). It is unacceptable that an account was opened in my name without proper identity verification, and I demand immediate corrective action.
Product: Debt collection

Company calls my number several times every day, always from a different number. They demand personal information such as home address, social security ( last 4 digits ), birth dates without identifying who they are or why they are calling. Even after repeated requests that they stop calling and harrassing, they continue. 

In addition, I set up a payment plan to pay the bill in question. Immediately after making the first payment, the phone calls intensified in frequency. When I tried to make the next bill payment, my online payment was rejected. When I called to find out why, they claimed that I had the wrong creditor and gave me a new creditor 's name, claiming that they name of the company I owed the money to was the name of a doctor. 

I requested documentation of the debt under the name of a new creditor, and the manager stated that he did not have to send that to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see in this account that this report lacks information. How did you prove that this account belongs to me if the information you provided is not complete?
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPANY : XXXX XXXX WHICH I HAVE NEVER HEARD OF THEM NOR THIS PROBLEM TILL IT SHOWED UP ON MY CREDIT REPORT I HAVE NEVER RECEIVED MAIL OR KNOW OF THE EVENT THAT TOOK PLACE IN THE SAME ( XXXX XXXX AND EQUIFAX ) HAS ALREADY TOOK IT OF MY CREDIT REPORT JUST SEEING IF YOU WILL DO THE SAME THANK YOU SO MUCH BECAUSE ITS BEEN A YEAR WITH THEM REPORTING AND REMOVING DEBT OFF MY FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute inaccuracies on my credit report that have had an adverse impact on my ability to obtain credit. The account in dispute is : XXXX XXXX In XXXX, I purchased property at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL. XXXXXXXX. While the above listed account was not the original mortgage lender, they subsequently took them over. For XXXX XXXX, I had made consistent and on-time monthly payments. However, in XXXX of XXXX, I was notified by the 1st lien holder, XXXX, that due to the Adjustable Rate Mortgage contract, my payment would be increasing to an amount that would be difficult for me to maintain. I attempted to refinance but due to the housing crisis, I lacked the equity. I then applied for a Loan Modification, which was also denied. In good faith, I put the property up for sale for what I owed on both mortgages and continued making on-time monthly payments through XX/XX/XXXX. 
In XX/XX/XXXX, I received a short-sale offer for {$100000.00}. I submitted a loss mitigation application to XXXX on XX/XX/XXXX. I received a response letter from XXXX on XX/XX/XXXX requesting more documentation. The full package was received by XXXX on XX/XX/XXXX and a settlement agreement was reached on XX/XX/XXXX. The closing for the short-sale occurred on XX/XX/XXXX. 
The inaccuracies are as follows : XXXX is reporting that the account was 2 months late AND in foreclosure/collections. I was paid through XX/XX/XXXX and we closed on XX/XX/XXXX. I attached my bank statements as proof. The XX/XX/XXXX payment was not made because a settlement agreement had been reached and we were waiting on the closing. We should have closed in XXXX but the XXXX lien holder caused the delay by demanding {$6000.00} in lieu of the {$3000.00} that was initially agreed upon. This account should only reflect SETTLED-LESS THAN FULL BALANCE ; CLOSED. No late payments and ABSOLUTELY NO FORECLOSURE. Please note, I have been denied credit by Rocket Mortgage due to this inaccurate reporting. I demand you produce a docket number for Foreclosure Proceedings in the State of Illinois or REMOVE THIS INACCURACY IMMEDIATELY.