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

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear Midland Credit Management, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records.

3. Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$48000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$7100.00} ; XXXX XXXX XXXX  ; XXXX XXXX XXXX
Product: Credit card

On or about XX/XX/2017, I signed up for autopay on my Citi double cash card. The payment did not go through, and I received a late payment charge, which was automatically credited back to my account without my requesting. I subsequently re-enrolled in autopay on or about XX/XX/2017 since the previous registration apparently did not work. 

When I called on XX/XX/2017 and spoke to an employee who would only identify herself as " XXXX, '' she told me that there were no finance charges applied to my account. However, my statement showed a charge of {$22.00} on XX/XX/2017, and when I pointed this out, " XXXX '' acknowledged her earlier false statement without explanation. " XXXX '' refused to reverse the finance charges.
Product: Credit reporting

I have an " adverse '' account on my credit report with XXXX Mortgage Company and a claim of delinquency starting XXXX/XXXX/2014. 

They report a delinquency on XXXX/XXXX/2014 for failure to pay a mortgage payment in the month of XXXX ; however, I provided XXXX fully executed settlement documents and the deed to my home on XXXX/XXXX/2014 ( less than 30 days from the payment due date ). Per the IRS Form XXXX they issued to me, the fair market value of the home was {$250000.00} while I only owed them {$210000.00}. 

Based on the fact the mortgage was fully satisfied on XXXX/XXXX/2014, the delinquency in XXXX should be removed from my credit report and the account status should be changed to a satisfactory account across all three credit bureaus. 

In addition, Transunion 's credit report states, " Any rating that is shaded indicates that it is considered adverse. '' The shading starts at " 30 days late '' ; therefore, Transunion should have never allowed this account to be coded as adverse.
Product: Debt collection

I am a physician, and as such I am very reliant on having a functional phone. XXXX sold me android phones which were constantly and consistently breaking down. They replaced the phones numerous times. The last time they replaced the phone with a new one it did n't even last a day before it stopped functioning properly. When their representative told me he was going to have another android replacement sent to me I said that that was not acceptable. I told him that I needed a different phone that was more reliable or I was going to switch to a different service provider. He said he could only order me another same type of phone. Therefore out of frustration I switched to a new carrier.
Product: Debt collection

Company is attempting to collect a debt of approximately $ 7K that I do not owe. They have reported this debt my all 3 credit bureaus and posted to my credit report erroneously. There is no contact for this debt ... .The website 's contact information forwards to an online pharmacy company. They have an F rating on the XXXX  for not providing proof of the collection. Please help me remove this from my credit reports. 



Midwest Recovery Systems, LLC. 
Collections Agencies This is a multi-location business. Find a location XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX http : //www.mrs-direct.com/ ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter.. The stuff on my report is inaccurate and unverifiable. date opened, last reported date date last active and date of last payment were totally different, I cant believe you guys are taking advantage of me IM REALLY UPSET!. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out.
Product: Mortgage

XX/XX/XXXX - new home insurance policy took effect with XXXX XXXX XX/XX/XXXX - i called PNC spoke with XXXX - notified them of the new carrier and to NOT pay XXXX This policy was not executed as it was only a quote we received from them. 
XXXX entered these notes and indicated that they had not received anything from XXXX. 
XX/XX/XXXX - received an escrow shortage statement with a home insurance payment in the amount that matched the XXXX quote - no indication of payment to XXXX. 
XX/XX/XXXX - spoke with XXXX XXXX at PNC - she indicated a payment was made to XXXX on XX/XX/XXXX and a payment was made to XXXX on XX/XX/XXXX. PNC paid 2 annual premiums in a span of 5 days even though I had already informed them of who to pay and who NOT to pay. I was given no explanation as to why my notification was not followed. Now my escrow account is over drawn and PNC wants additional funds. It is over drawn because they paid 2 different companies full annual premiums. I now apparently have to follow up with XXXX to get the incorrect payment back from them and then figure out how to get MY money back to my escrow account. 
PNC has totally failed in managing my escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get this incorrect status of late and repossession removed from my credit report. XXXX XXXX is reporting late and repossession on my credit report in 2017 and this is inaccurate. 

Also XXXX is incorrectly reporting an XXXX XXXX XXXX that does not belong to me. 

Please remove unauthorized inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance XXXX {$210.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$56.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$210.00} ; XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$6.00} ; XXXX XXXX Balance Owed : {$15.00} ; XXXX XXXXXXXX Balance Owed : {$5600.00} ; XXXX XXXX XXXX Balance Owed : {$29000.00}.
Product: Credit reporting 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1981 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 card or prepaid card

XXXX US BankXXXX is excessively holding funds that were on pre-authorization from a hotel stay I had at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. The property has been willing to work with the card company but the card company 's representatives consistently give erroneous information. I was first told that upon submission for card XXXX XXXX XXXX XXXX that as long as there was a CARD ID provided that the amount given on the merchant release letter did not have to match what the card company has. This is significant because the card company charges an additional 20 % of incidental charges for any service industry charge yet the property can not see that. Each time the merchant sent a release form it takes four hours to process for each mistake is costing me four hours of waiting time. The property doesn't normally submit a form on a charge that they can't see buy again, to assist they did so. I conferenced in the property with the bank and agent XXXX XXXX is on recorded line stating with confidence that it the hotel would re-submit the form with the amount " {$80.00} '' that, that amount would be released as of yesterday XX/XX/18 that she would be able to release once the fax was processed. So Again I waited another four hours, a total of eight. I had no where to stay and that amount was to be released so I could get room and board. Approximately XXXX XX/XX/18. I called for the release and was now told that information given be XXXX XXXX was erroneous this makes two conservative call like this. To compound the issues subsequent agents were rude and unwilling to assist and they were address with an appropriate response. I then got Ms XXXX XXXX back on the line in which she completely contradicted herself bringing her integrity into question. I then spoke to someone claiming to be her supervisor who continued to reiterate lies. All the while I, the customer have no place to go until my money is released days from now. This is also hours after the property who originally submitted the charge had placed in writing that they were releasing that amount and would not purchase any additional amount for payment. My bank, the institution that's supposed to protect now punishes me with bad information and lies and in effort to cover it up they continue and instead of helping their own customers and this pattern has caused me to seek damages. Please assist
Product: Checking or savings account

This is in reference to the " Expedited Funds Availability Act ''. On Friday, XX/XX/2018, I deposited a check at a Bank of America Branch. The check was in the amount of {$83000.00} and was drawn on my Retirement Bank `` XXXX XXXX XXXX XXXX XXXX ''. " XXXX XXXX XXXX  XXXX XXXX '' cleared on their end the check on XX/XX/2018. I called Bank of America this Morning and asked why the check is not showing yet and was told I won't get anything until 6 days from now XX/XX/XXXX because they have to process on their end. I then asked can I have {$5000.00} in reference to the " Expedited Funds Availability Act '' and that it is cleared from XXXX XXXX. I was told that there is no such Act. I then called back later to speak to another Customer Service Representative and she said Bank of America doesn't participate in that and I said : Why? No one is above the Law.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

Name : XXXX XXXX XXXX
Product: Checking or savings account

My XXXX XXXX XXXX daughters high school checking account had fraud on it. Someone hacked her device logged into the bank, performed a fraudulent deposit and then XXXX money out. The check did not clear because it was fraud, but the bank charged the account anyway. Now my daughter is out of {$500.00}. She did not have the money in her account to begin with and the fraudulent deposit allowed that to happen. They said the case is closed and did not return the money.
Product: Credit card

In accordance with the Fair Credit Reporting act PayPal mastercard account # XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights 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 consent. 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open consumer credit plan as late for any reason. I have not been conspicuously informed of my right to opt-out of such disclosures, contrary to 12 CFR 1016.7
Product: Credit reporting or other personal consumer reports

Upstart/Finwise violating 15usc1681eb $ XXXX {$5000.00} theyre reporting inaccurate high credit, inaccurate last date active, inaccurate last reported dates. They illegally charged it off without sending me a 1099c I requested 1099c and they denied me one.i would like to request one now. 

XXXX XXXX XXXX XXXX XXXX violating 15usc1681eb. Theyre reporting inaccurate date opened, inaccurate high credit {$11000.00}, inaccurate last reported dates, inaccurate last date active. 

XXXXXXXX XXXX is violating 15usc1681eb they are reporting inaccurate last date active, inaccurate high credit {$1400.00}, inaccurate last reported dates, they charged it off without sending me an XXXX. 

XXXX XXXX XXXX violated 15usc681eb they also credited this as a charge off and never sent me a 1099c, theyre reporting inaccurate last reported dates, inaccurate high credit balances, inaccurate balances, inaccurate dates opened
Product: Debt collection

Contract Callers Inc used fake verification after I asked them to validate the dept this collection is not mine and I want them remove from my credit report on the bill statement they sent XXXX has the total due date XX/XX/2018 but on my credit report it says that this account with contract callers was open a year ago. The dates do not match up and also has the wrong address on it
Product: Mortgage

Hello, as you all know the process of buying a property can be difficult. 
There are many forms to be signed, and information can seem a lot at times. 

At my signing I noticed there would be any extra mortgage payment that I would have to make. No sure I asked to notary, and she indicated it was a second mortgage. Further along I called the lender and left a message in this regard. 
The notary came back into the office with copies, and told me the under writer stated the second mortgage was for down payment assistant. I had to show through bank records that I had down payment monies. 
I was also told that there were down payment programs that would assist me as well, if needed. 

I was never told there was 2 mortgages that I would have to pay, that was never explained to at any time. 
Yes I did sign paperwork, at that time I was the end of the transaction, and I felt I had no choice or option to do anything else but sign. 
This second mortgage should have been clearly explained to me. 
Instead of now I'm stuck with an entire second mortgage, and I can refinance my first mortgage, until this second is paid in full.
Product: Credit card

I received an email from Wells Fargo this morning that a replacement card with my credit card number was being sent out within XXXX days. This address was not my address ( which I have on file with Wells Fargo ). Wells Fargo response was to send a new card, with a different number, expiration date and security code. My complaint is why did Wells Fargo send out a card with my information to an address I do not have on file with them? A simple phone call, text or email to ask me if this was legitimate would have prevented the problem. The internal control error on their part needs to be rectified.
Product: Debt collection

Jcpenney have me on collection for nothn owed in XXXX never had a card from them. XXXX also has a collection from XX/XX/XXXX that I have never applied for or owe anything It is a couple other debts that are from XX/XX/XXXX that are pass the 7 year s
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I am an attorney representing a personal representative of an estate. The estate owns the property located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Regions Mortgage holds the loan on this property with a principal loan balance of {$37000.00}. A foreclosure is not pending. 

On XX/XX/XXXX XXXX XXXX XXXX XXXX Regions Mortgage XXXX XXXX XXXXXXXX XXXX unlawfully took possession of the property, changed the locks, put up a sign on the interior from XXXX and put a lockbox on the front door without notice, authorization or any basis for doing so. I have sent the attached letter to Regions Mortgage counsel, XXXX XXXX XXXX.
Product: Debt collection

First I closed my checking and savings account with Citibank in XX/XX/2021 due to Citibank false promise to me. When i closed, both accounts had positive balance. Citi issued me a check for the balance. Then a couple of weeks later, Citi decided to reverse all the disputes in the past and created a negative balance on my account. Each week, they added {$300.00} in negative balance. After a month, I suddenly owe Citi more than {$1000.00} in debt. They called every morning including weekend at XXXX asking me to pay or they would report my account to credit monitoring agencies. They should have not let me close the account if they thought I still owed them money. Otherwise, if they issued me a refund on my account, why suddenly changed their mind and reverse past dispute transactions that occurred 6 months ago. This is a tactic to try to rip off customers ' money when Citi knew they could not maintain a banking relationship due to their false promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has a hard inquiry on my report from : XXXX XXXX XXXX XXXX XX/XX/XXXX - I did not request or authorize this. I went to transunion to freeze from credit due to receiving two letters dated XX/XX/XXXX from XXXX XXXX  - stating I was denied credit to open a XXXX XXXX  account ( which I did not do ) and XXXX  XXXX  as well. I will upload those two letters - but assume i need to report each one separately?