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

On XXXX XX/XX/XXXX, I submitted a complaint due to improper use of my credit report by XXXX, Experian, and XXXX. Today is XXXX XX/XX/XXXX and I have not received anything in regards to the fraudulent items being removed from my credit report. I have requested to receive validation made pursuant to the Fair Debt Collection Practices Act ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation. Please also be aware that the negative marks found on my credit reports ( including Experian, XXXX, and XXXX ). As a victim of identity theft, the credit bureaus have continued to defame my name, provide negligent enablement of Identity Fraud and violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. Tracking number from XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit bureaus stated my accounts were investigated but how is it possible when the open dates are inaccurate, the last active is inaccurate, the date last reported is incorrect. This is grounds for removal as well as my rights being violated under 15 USC 1681 section 602 A : I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : a consumer reporting agency can not furnish an account without my written instructions. As well as taking more than 30 days to respond from my initial request for validation. This identity theft has resulted in loss of funds and lending.
Product: Checking or savings account

Ive had a checking account with TD Bank since approximately XX/XX/XXXX. I regularly use the mobile deposit feature that is available on their app to deposit payroll checks. Yesterday I deposited 6 checks in the same manner as I always do. Typically my funds are available on the next business day. For some reason today they are not. When I checked my account this morning it shows a FM Deposit Hold- See SM entry next to each check that I deposited. I contacted the bank and was told that my money will not be available until XX/XX/XXXX, that is over a week away! I did not receive any alerts when depositing the checks that advised a hold would be placed. When I spoke to them this morning, I was advised that I could take the checks to the local branch and the teller could call the issuing bank to see if they could possibly clear a few of them. The checks that I deposited were from my employer, the same employer that I always deposit checks from so I dont understand the problem this time. They are holding my money hostage. This has got to be a violation of UDAAP.
Product: Checking or savings account

UMB Bank governs the operation of my Health Savings Account ( HSA ). 

When submitting requests online for UMB to mail checks to merchants, UMB is not including the complete Description/Comments information on the checks ( in the memo section of the checks and/or on the check stubs ).

Ive reached out to UMB 5 or so times to report the issue/follow up and spent hours and hours on the phone with them, answered and re answered their questions, however they refused to address and resolve the issue. Verbally, UMB said there was no issue as they were including the complete Description/Comments information on the checks, however the proof they sent me showed otherwise. One example is as follows : ( XXXX ) Attached is a copy of the original Description/Comments that were submitted online to be included on the check. 
( 2 ) Also attached is a copy of the check and check stub that UMB said was mailed to the merchant.

( 3 ) As you can see, the Services Provider information was cut off ( not complete ) and the Patient and Payer information was missing ( not included ). The Patient information verbiage included my name, however since the Patient information was missing, my name wasnt even included on the check/check stub. 

The Description/Comments information is important for many reasons, including the following : ( A ) UMB gives us the option to include the Description/Comments. 
( B ) So the merchants know whose accounts to credit and which bills were paid. ( In this case, the merchant/healthcare provider has over XXXX students/employees. ) ( C ) To record the documentation that ensures our accounts are being used properly, only approved expenses, according to the IRS rules regarding distributions from HSAs, qualified medical expenses, etc.
Product: Debt collection

I bought a car through XXXX/bridgecrest. During that time in XXXX the motor blew up and I did pay for the warranty. XXXX XXXX failed to act on said warranty and I turned in the car. Since XXXX to now, XXXX/bridgcrest has posted and keep changing my closed date on the loan. And keep changing it from voluntary to in repossession. Every other month. Thus bringing my score down each time. I have reached out with no results. Im at a loss of what to do.
Product: Debt or credit management

I requested proof of late payments. I requested the late payments be investigated and that TransUnion send me there method of verification. I asked that each late payment be validated and verified too 100 % accuracy. TransUnion has not sent proof of any late payments on these accounts. They refuse to send any proof and evidence of these late payments with XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, The reason for this complaint is to delete incorrect information on my credit reports. The incorrect information is an unauthorized inquiry from XXXX XXXX XXXX XXXXXXXX on the date XX/XX/XXXX. 
On XX/XX/XXXX XXXX XXXX agreed to have this inquiry removed, sent the removal request to all three credit bureaus but so far nothing has happened to my credit file. I attached a copy of their letter. Simply they requested that all three credit bureaus remove this unauthorized inquiry from my credit file but so far there has been no action from XXXX, Equifax and XXXX. I am devastated by their lack of action. 
Please make sure that this matter is taken care of promptly as existence of this incorrect information is unjustly causing harm to my credit file. 
Thank you in advance for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX and XXXX # XXXX are not complete and accurate. And XXXX more thing according to 15 USC 1681s-2 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. Check the attachments below.
Product: Credit reporting

I applied for my free credit report via annualcreditreport.com, as I do every year. I have been unable to get an online version from Equifax since XX/XX/XXXX. ( XXXX and XXXX have no problem with my online report. ) In XX/XX/XXXX, I sent in my written request and had to follow up two more times before I received it. 
In XX/XX/XXXX, I sent in my written request and had to follow up once again before I received it. 
In XX/XX/XXXX, Equifax would not even let me get to the identity-verification questions online, and I was told to send in a written request. ( I was about to travel for work and was not able to send it in. ) Now, in XX/XX/XXXX, Equifax again will not give me online access, and I again look forward to the hassle of requesting it through the mail. 

I have not changed addresses, I have not changed my name, and I login from home. There is no reason for me to have such additional hassle to get Equifax to comply with my request. It seems they want to make it as difficult as possible, in hopes of discouraging users from getting their files, and I suspect they are attempting to avoid their legal requirement to send consumers their reports. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, I tried to reach the credit Bureaus by letter and they have not answer me, there is incorrect information on my credit report and they do not update the incorrect information and did not provided any kind of information back to me. I'm starting to feel very frustrated at this point. I hope you can help me and find a resolution.
Product: Credit reporting or other personal consumer reports

As outlined in FCRA Section 605B ( a ), credit reporting agencies must expeditiously remove any information labeled by the consumer as originating from an alleged case of erroneous activities, no later than four business days from the receipt of this notification. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX FUNDING XX/XX/XXXX FACTUAL DATA XX/XX/XXXX FACTUAL DATA XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX i deposited 3rd party checks in my account and forgot to have the payee endorses the check. On XX/XX/XXXX chase froze the account including funds from my paycheck and refused to allow me to witro any money from the account.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

There are a lot of missing information to sustain this claim. Also the remarks are all OK and it does not show a single CO from any of the reporting bureaus. Delete this incorrect report.
Product: Debt collection

I recently checked my credit report and discovered that this company is reporting that I owe them a debt. To the best of my knowledge this company has never provided a service to me and I have never agreed to pay them for said services
Product: Mortgage

Regarding PNC Mortgage. We all know PNC Bank has been having problems remaining financially stable & are penalizing consumers. This is my XXXX complaint filed relative to unethical practices at PNC Mortgage. For the past 14 years, XXXX to date, I 've rented the home located at XXXX XXXX XXXX, XXXX, XXXX, WV XXXX and the mortgage has run from {$470.00} - current $ XXXX. The highest mortgage rate was a short period of time from XXXX XXXX into XXXX at {$610.00}. Each time, PNC Mortgage has completed a new Escrow Analysis to determine upcoming payments. By letter dated XXXX/XXXX/XXXX, PNC voluntarily notified me that " Under the XXXX of XXXX '' I was eligible for removal of PMI. XXXX deleted PMI on another rental property of mine years ago. In a letter dated XXXX/XXXX/XXXX, PNC recanted that the property is eligble for PMI removal. In XXXX XXXX, I contacted PNC as follow-up to their XXXX/XXXX/XXXX letter. In response, by letter dated XXXX/XXXX/XXXX, PNC stated " The HOPA of XXXX does not allow automatic termination of PMI for a second home or an investment property. ' 'Therefore, we are required to follow the deletion requirements of the loan vestor. '' In the letter PNC Mortgage is also requesting an appraisal at my expense. I also received separate correspondence of the same date, XXXX/XXXX/XXXX, with another Escrow Account Disclosure Statement. In this ( adjustment ) statement, PNC Mortgage indicates an escrow shortage of {$760.00} and an increase in monthly mortgage payment from {$560.00} to {$680.00} XXXX XXXX ). I have NEVER made any money on this property while renting ; have always had to supplement the monthly payment. It is my opinion that PNC Mortgage is being quite absurd about their inconsistent business practices. In the past, they have also overcharged for Flood Insurance on the property ( as has XXXX XXXX ) and also placed flood insurance on the property at the same time XXXX XXXX had provided coverage. * I am not able to scan to upload my supporting documentation, will need permission to fax or mailing instructions. My request is that PNC Mortgage be required to reimburse me for the duplicate and excessive flood premiums charged and also they further explain why their Escrow Analysis have been inconsistent over the past 14 years.
Product: Debt collection

XX/XX/21 XXXX Called & mailed Equifax with a disputed it
Product: Debt collection

This company repeatedly harasses me via text, email, phone calls. 

They demand me for bank statements, income proof, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts do not belong to me. I have never opened the account and have had my paychecks garnished and be harassed by phone call for over 3 yrs.. I never opened this account and I will file complaints with XXXX  and other agencies and will file for damages up to {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  XXXX ACCT # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

The particular accounts position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sue to present facts that this is being reported efficiently as per the Fair credit Reporting Act regulations. I have done many attempts to reach out the XXXX XXXX XXXX but the failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you. XXXX XXXX ; INQUIRIES : XXXX XXXX XXXX  Inquiry Date XX/XX/2022, XXXX XXXX XXXX Inquiry Date XX/XX/202XXXX XXXX XXXX Inquiry Date XX/XX/2XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022 .
Product: Credit card or prepaid card

I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to have Experian fined for knowingly and willfully placing back fraudulent information that was deleted. They are violating the Fair Credit Reporting Act and my  Consumer Rights.      Also I read, if an account is going to be re inserted on to a consumer 's credit report. The credit reporting agency is supposed write the consumer and give a 5 day notice. I did n't receive any of this. These were fraudulent accounts removed in  XXXX   XXXX , but Experian put them back on my credit report  XXXX   XXXX ,  XXXX .     Account  XXXX   XXXX   XXXX  Account  Number   XXXX . This fraudulent account was removed  XXXX   XXXX , by  XXXX   XXXX . They contacted all  XXXX  bureaus to remove this account. But Experian knowingly violates the law and puts it back on my credit report  XXXX   XXXX ,  XXXX . Then on the comment section on my credit report. Experian puts I disputed the Account in  XXXX   XXXX . That makes no sense, the fraudulent account was removed from my credit report in  XXXX   XXXX ,  XXXX . So how would I be disputing a non existing account in  XXXX   XXXX ?     Account  XXXX   XXXX   XXXX  Account  XXXX   XXXX  .... This fraudulent account was removed  XXXX   XXXX ,  XXXX . But Experian knowingly violates the law and puts it back on my credit report  XXXX   XXXX ,  XXXX . Then on the comment section on my credit report. Experian puts I disputed the Account in  XXXX   XXXX . That makes no sense, the fraudulent account was removed from my credit report in  XXXX   XXXX ,  XXXX . So how would I be disputing a non existing account in  XXXX   XXXX ?     Experian seems to have a personal vendetta against me. I want these accounts deleted again from my credit report, as they should not be listed. Experian needs to be fined for their blatant disregard for the Fair Credit Reporting Act and my  Consumer Rights.      Also please view the proof in the attachments
Product: Credit reporting or other personal consumer reports

I received and email this morning from XXXX XXXX that I had a late payment that was reported to them from Mountain America CU. It was for a missing payment for a credit card or account that was opened in XXXX of 2023. It said I had missed a payment and I was late anywhere from XXXX days. The balance on XXXX XXXX  says {$750.00} with a credit limit of {$9000.00}. I immediately called the credit union and spoke to their fraud department who verified my information and that this appeared to be a fraudulent account. They then gave me instructions on where to go from here, filing a report and reaching out to the credit bureaus to freeze my accounts for reporting until this suspected identity theft is resolved. I was instructed by the company to email them my information and this case number so they can proceed with resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
6. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXXF XXXX XXXX 9. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX AZ XXXX 12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
14. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
15. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
16. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
17. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
18. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
19. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
20. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
21. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Product: Mortgage

Midland Mortgage is one of several Mortgage companies that have held this loan. First it was XXXX XXXX XXXX. It's something when Mortgage companies are so sure that they will not even look or review yhe material provided. So that they can discover. That actually your wrong! This makes 17 replied back to responses. Some even say they will fix it. Yet it never gets corrected. So here I am providing the same information. With a hope someone will do there job this time. Multiple times lender placed hazard insurance withdrawals where stole from my escrow account. Without an cause! See attachment for display of miscalculations so specific a XXXX XXXX XXXX could see yet Midland Mortgage seams to be unable! But to no big suprise XXXX XXXX XXXX could see the mistakes yet never fixed it XXXX  you will see from attached documentation.
Product: Credit card or prepaid card

I have a case file in XXXX with the number : XXXX, and citi case : XXXX. Basically, we rented car from XX/XX/XXXX at XXXX for total amount of XXXX XXXX XXXX, but XXXX charged me with XXXX USD on XX/XX/2019, after disputed, refund me with XXXX USD on XX/XX/2019. BUT THIS IS STILL NOT RIGHT. 

please be reminded, this was happened in XXXX, I was supposed to be charged with XXXX XXXX, please see my original rental agreement nad final receipt I attached.
Product: Mortgage

My mortgage is supposed to be on a bi-weekly payment program. My payments should be credited to my monthly principal balance on a bi-weekly basis as payments are received. Cardinal Fianacial is holding my bi-weekly payments in suspense and crediting my account on a monthly basis. This is NOT a bi-weekly payment program. They are charging me interest on my old principal balance and adjusting my principal balance on a monthly basis instead of a bi-weekly basis. This is theft! I have had bi-weekly mortgages with other financial institutions, and they all credit my principal balance on a bi- weekly basis and charged me interest on my adjusted balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is updating an account on my credit profile every month on an amount that is not owed to them. They are saying that I have a balance of $ 7000+ when I do not owe this company anything. I never received a notice of deficiency from the sale of a car that was repossessed. No notices was sent to me regarding this information. I have request proof of these notices and this company will not comply. This balance should not be reported to the credit bureaus. They also go into the account and report it every month to the credit bureaus so that it appears as a new account. They have very unfair practices.
Product: Debt collection

Repeat calls asking for XXXX XXXX. I am XXXX XXXX and the number they are calling is my cell phone number XXXX. They have called 4 or more times in an attemp to resolve debt. I do not have an account with them. My phone has identified them as Capital Management, but I have received other calls unidentified. I have asked them to stop calling but they continue. 
I received a call on XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XX/XX/year>