23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted The President and CEO of Portfolio Recovery Associates LLC, via certified mail, twice in the past month. My mail is not being scanned as delivered and I have proof of sending it through USPS. I sent my complaint to the Attorney General of my state and PRALLC responded within 2 weeks. Now my letters are in limbo. I asked for debt validation and they sent me back invoices which isnt proof of indebtedness or obligation to repay a debt. Theyve also violated multiple FDCPA codes and Ive sent an Affidavit of Truth which still stands as fact as it was not challenged and even if it were, I have exhibits proving otherwise. I know my rights as a consumer and Im still waiting for verification/validation of the origins of this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2019 I APPIED FOR THE CHARITY CHARGE CARD BY COMMERCE BANK, THEY PULLED XXXX AND AS A RESULT DENIED ME BECAUSE I HAD NO SCORE SEE ATTACHED.
Product: Debt collection

First message was left on my mother 's phone. When she returned call they provided her information about debt. Next I was called by a private number posing as a process server and said could not disclose nature of information needed to contact collector. At XXXX to gain any further information informatipnusing ref # XXXX. This phone number belonged to XXXX who sent me a letter via email. This debt was said to be {$490.00} from checksmart XXXX XXXX. I believe the debt collector falsely posed as a process server
Product: Mortgage

My husband and I paid off a loan on the house we sold, and have still not received our escrow refund. Originally they sent a check in XXXX which went to a wrong address. The check expired and we requested they do a ACH wire transfer. This process started in XX/XX/XXXX. We called almost everyday for the next 5 weeks, and confirmed the account number, credit union name, etc. We spoke with several supervisors, each time telling us they escalated our refund and apologized for the delay. We were told countless times, it would be deposited the following day. We bounced multiple checks, as we were told the funds would be in the account, but to date still have not shown up. Yesterday, when I called they said they cant see why the ACH hasn't gone through, but to just keep waiting. I am desperate for the refund as I said we are bouncing things in our checking account because the money they keep saying will show up does not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. They are trying to charge me for 2 months of service that XXXX i did not require. XXXX XXXX  said he would XXXX our the balance. Just need confirmation.
Product: Mortgage

In XXXX of 2018 I was introduced to XXXX XXXX of Guaranteed Rate by my Then Real Estate Agent XXXX XXXX XXXX because his wife is a manager there. The lender asked me to put a XXXX charge on my charge card for an appraisal ... but pursuant to XXXX XXXX  '' The lender will request an appraisal straight from the VA website. VA will then select an approved appraiser.. Then on XXXX XX/XX/2018, XXXX XXXX my then real estate agent sent me an email saying for me to go to my email an electronically sign a closing document.Upon reading the form I noticed that the lender was charging me the funding fee.. Pursuant to XXXX  '' Veterans receiving VA Compensation for service connected XXXX do not have to pay funding fee. '' I HAVE A PERMANENT AND TOTALLY XXXX VETERAN..PLEASE NOTE THE CLOSING DOCUMENT STATED ... XXXX WAS DUE FROM THE BORROWER AT CLOSING.. BUT I WAS ONLY PRE-APPROVED FOR XXXX DOLLARS..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Debt collection

I have contacted credit management lp several times to send me contract and I disputed this account with transunion several times and no one will send me contract with my signature for any service of balance {$270.00}
Product: Mortgage

United Wholesale Mortgage offers a Budget Drafting Program. They have a list of requirements including filling out a form, adding ACH, and paying at least a month ahead of time in order to enroll. I have now filled out the same form several times over the last 7 months including paying the extra month in advance and have still yet to be enrolled into the program. Every time I call, the UWM representative agrees that I have done everything right in order to be in the program but they say there is nothing more they or I can do as it is another department who approves which I am not allowed to be in contact with. I have asked to speak to supervisors but am always told there a none available and that one will call me back. I have never, not once, received a call back. I am fed up with spending so much time for an advertised program as well as paying extra ahead of time to just be misled. Please help!
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion XXXX XXXX for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i. Despite my repeated efforts to dispute inaccurate information on my credit report, XXXX has neglected their legal obligation to investigate and correct these errors promptly, causing significant harm to my financial well-being. 

Complaint Summary Credit Reporting Agency : XXXX Report Number : XXXX Date of Dispute : Initial dispute sent on XX/XX/XXXX Details of Disputed Items Credit Card Account Dispute Creditor : XXXX XXXX XXXX Account Number : XXXX Amount : {$5800.00} Date Opened : XX/XX/XXXX Issue : Unauthorized charges were made on this account without my consent. Despite having notified XXXX, these fraudulent charges remain on my report. Attached are copies of correspondence and documentation supporting my claim. XXXX refusal to investigate this matter is a clear violation of FCRA 15 U.S.C. 1681i. 

Bankruptcy Entry Dispute Creditor : US Bankruptcy Court GA XXXX File Number : XXXX Amount : {$0.00} Date Filed : XX/XX/XXXX Issue : This bankruptcy entry is completely false. I have never filed for bankruptcy, and the court has confirmed that they do not report to credit bureaus. Documentation verifying this is attached. Despite my clear evidence, XXXX has failed to remove this inaccurate entry, which is a direct breach of their obligations under federal law. 
TransUnion and XXXX  Violation of FCRA TransUnion and XXXX failure to correct these inaccuracies demonstrates a blatant disregard for the consumer protection laws outlined under the FCRA. By refusing to adequately investigate or remove these fraudulent and incorrect entries, XXXX is causing undue harm and damaging my creditworthiness. This negligence is not only financially burdensome but also constitutes a violation of my rights. 

Action Requested I am requesting that the CFPB : Conduct an immediate investigation into XXXX XXXXailure to comply with their obligations under the FCRA. 

Compel XXXX to correct or remove the disputed items from my credit report immediately. 

Impose appropriate penalties on XXXX for their ongoing failure to maintain accurate credit reports as required by law. 
Provide me with a full report of the findings and any actions taken against XXXX. 
I have attached all relevant documentation, including copies of my dispute letters, correspondence with TransUnion and XXXX, and evidence supporting my claims. 

Conclusion TransUnion and XXXX refusal to adhere to federal laws protecting consumers from inaccurate credit reporting is unacceptable. I seek your assistance in holding XXXX accountable and ensuring that my credit report reflects only accurate and truthful information. 

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

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

I am starting the process of buying a car as my current vehicle has started leaking oil and I am trying to get a safe and reliable vehicle for myself and child. I decided to pay XXXX for a subscription so that I can start to shop and get the best rate possible. I noticed several inaccuracies, and accounts that I do not recognize including inquiries. 

I have requested several times for proof. These bureaus have failed to provide me with a copy of any viable evidence, bearing my signature, showing these accounts are mine and being reported accurately. I am referencing to Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... .promptly DELETE all information which can not be verified. 

I receive a response back that the information is accurate and the bureau will then update my report still reflecting inaccuracies without ever supplying me with any proof. Who verified the inaccuracies? I have a right to this information so that I can follow up with them directly referencing Section 611 ( a ) ( 7 ) They are in violation of Federal Law by allowing these unverified accounts and items to remaining my credit report. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that the information is not only mine but is also accurate. 

How is this fair? I have tried several times through written mail, phone calls and using their online systems. I honestly do not believe that a person is even looking at my requests let alone investigating my disputes thoroughly. 

Finally, In accordance with the fair credit reporting act 15 USC 1681, my rights have been violated and these accounts continue to negatively affect me. I am starting to feel despair because I feel like I am being bullied by the CRAs and that they are counting on the fact that a single individual may not have the time or resources to resolve these issues.

I am not typically a confrontational nor litigious person. For months I have let this go as I had given up and just accepted the fact that I will have to deal with this. However, I realized that laws are made for a reason and are there to safe guard and keep in line for fairness and equality. 

The law is very clear as to the civil liability and the remedy available to me ( section 616 & 617 ) if these companies continue to disregard and fail to comply with Federal Law, I fully intend on pursing litigation in this matter to enforce my rights under the FCRA
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 : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a account XXXX XXXX XXXX for a account that was a XXXX account that was paid in full this account was compromised by the XXXX  breach is was to be removed by the Credit reporting companies this account was removed by XXXX and by XXXX  back between XX/XX/XXXX and XXXX but is was not removed by Experian This needs to be removed today
Product: Credit card

Fraudulent charges on card occurring XX/XX/XXXX for {$200.00}, XX/XX/XXXX for {$130.00}, {$110.00}, {$25.00}, {$10.00} and {$18.00}, XX/XX/XXXX for {$41.00} and {$2.00}, and one for {$130.00} on XX/XX/XXXX. Disputes were filed on XX/XX/XXXX and XXXX but claim was denied and was never told why.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX  account # 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that was n't done and that violates my rights as a consumer. I have reached out to the credit bureau on more th an one oc casion to advise of my credit being pulled without my permission.     These are the accounts that are unauthorized inquiries :  1.   XXXX   XXXX   XXXX / XXXX / XXXX   2.   XXXX   XXXX   XXXX / XXXX / XXXX   3.   XXXX   XXXX / XXXX / XXXX  4.  XXXX    XXXX    XXXX   XXXX / XXXX / XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter addressed to the 3 Credit Bureau requesting to conduct an investigation and correct the information being reported. The credit bureau must validate these accounts in line with FCRA 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 investigate and correct from erroneous reporting. 
XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXccount Number : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

Midland Credit Managment has opened a debt on my credit burea report on XX/XX/2018 claiming I owe {$2400.00}. I have not received notice of this via phone nor mail. I have also reported this to the credit bureau, as well asl to Midland Funding for verification of this debt. I do not owe debt to Midland Funding and have not received notice and verification of this debt, please have this removed from all 3 of my credit reports.
Product: Checking or savings account

Capital one has not made funds available that were supposed to be made available by XXXX. There has been no explanation other than a technical issue which is very vague and there now no XXXX on when the funds will be available.
Product: Credit reporting or other personal consumer reports

hello dear credit bureus, i have check my report and i have XXXX late payments on this account : XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment account INSTALLMENT Installment Account Type - Detail : Installment account Auto Loan Installment Bureau Code : Individual account Individual Individual Account Account Status : Open Open Open Monthly Payment : {$1500.00} {$1500.00} {$1500.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$55000.00} {$55000.00} {$55000.00} No. of Months ( terms ) : Monthly XXXX XXXX Monthly ( due every month ) High Credit : {$89000.00} {$89000.00} {$89000.00} Credit Limit : {$0.00} - - Past Due : {$0.00} - - Payment Status : Paid or paying as agreed Current, was past due XXXX days Pays account as agreed Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - - Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX payment history Month 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 TransUnion 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 it should be late it should be current. thanks
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from Equifax and XXXX. 

Please delete the following account : XXXX  XXXX XXXX Account number : XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Milestone credit card, owned by XXXX XXXX XXXX XXXX, charged me an annual fee which was not disclosed to me. I only used this credit card when trying to rebuild my credit and CLOSED the account in XXXX. Obviously they never closed the account, charged me the annual fee then reported a 30 day late payment on my credit report which dropped my credit score by XXXX points! 

To try to work this out I even wen to their website and make the payment and it is not even operational! You can not charge someone illegally, not even give them an option to pay THEN report them deliquent on their credit report! 

This is unacceptable and ILLEGAL!!!
Product: Debt collection

Requesting contract with my authentic signature that started this alleged debt from Midland Credit Management. I am within my rights by requesting this document.
Product: Credit card or prepaid card

My Capital One credit card was frozen. My payment was due XXXX XXXX, 2020. I made a payment today, XXXX XXXX. The lateness of my payment is my fault. However, when I called the automated service to make that payment, the automated voice said nothing about my account having been suspended. In fact, the automated voice told me I had {$6400.00} available for purchases. Okay, I thought. I made my payment. It was confirmed, and I hung up. However, when I later tried to make a purchase that same day, the card was declined. I called the company 's automated service again. I got the same info : account balance, amount available for purchases. Nothing about a suspension. 

A customer service rep subsequently told me the account had been frozen because the account was three days late, and that it wouldn't be unfrozen until XXXX XXXX. eastern time the next day when the payment I had made with an automated check from my local bank checking account posted. When I asked why the automated service says I had {$6400.00} available for purchases when in fact I did not, the rep had no explanation. 

Capital One needs to upgrade their automated service. Getting declined by a vendor is embarrassing, especially when the credit card company 's automated service says I have credit available for purchases and says nothing about the account being frozen. How am I supposed to know? The automated service is lying to its customers and misleading them, in my case, into thinking it's okay to use the card. This is deception. Furthermore, when you make an automated payment, it's not instant. It won't post until midnight, and then it's another eight hours until the account is updated and the freeze is lifted. This long time delay is unacceptable. No matter how hard I tried, Capital One kept giving me the runaround.
Product: Credit reporting or other personal consumer reports

EXPERIAN has failed to comply with my request to present some proof that I am the person liable for the items being disputed below. I have informed them, multiple times, through letters and calls, that I am a victim of Identity theft. However, I have never received any documentation to prove that their investigation is correct. FTC complaint is being attached to prove that I had made some necessary actions considering my rights. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

My complaint is about unfair and unsound banking practices that will result in a foreclosure sale scheduled for  XX/XX/XXXX  of my deceased mothers home that I inherited. After my mother died in  XX/XX/XXXX  and inherited her home I made several attempts to have my name added to the loan to continue the monthly loan payments without any success. On  XX/XX/XXXX  the bank performed a lockout before it had legal ownership of the property. My mothers property was compromised and the bank offered no relief. On  XX/XX/XXXX  I made application with the bank to have my name added to the loan. On  XX/XX/XXXX  I was informed by the bank that I did n't qualify to have my name added to the loan because I was not residing in the home at the time I made application. How can I prepare the home to reside in or sell when the bank had locked me out before it had legal ownership of the house? I recently gained entry into the house and found that the house was in need of repairs before I could move into the home or sell the home to pay off the note and save my equity that I inherited. I have also reapplied for loan assistance with the bank loss mitigation department in an attempt to qualify to reside in the home and at the same time listed the home for sale sell to payoff the loan. I have an offer on the home to sell that is being negotiated at this time. I have also included an approved Florida Supreme Court form that gives reasons why the foreclosure sale should be canceled for  XX/XX/XXXX . Because of the difficulties I have had with the bank in assisting me with the home I inherited after my mothers death I believe that the bank has engaged in unfair and unsound banking practices that are offensive and contrary to Florida public policy. I request that the foreclosure sale for  XX/XX/XXXX  be canceled and given a fair opportunity to reside or at the same time negotiate a sale of the house that I inherited to save my inherited equity.