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

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX & TransUnion ) and update the account to positive.
Product: Credit reporting or other personal consumer reports

Transunion removed my XXXX XXXX Account from XXXX from my credit report in error which now has affected my credit score. THIS ACCOUNT WAS NOT IN DISPUTE XXXX XXXXXXXX Account # : XXXX Date Opened : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I am getting calls from an "unknown" number and when I answer they hang up and call one more time. It's always two calls in about 5 minute intervals.This has been happening for roughly 3 weeks now and recently when I answer the second call they tell me who they are calling for.
Product: Credit reporting, credit repair services, or other personal consumer reports

My applied to refinance the Home equity line of credit. They wanted my income for the loan calculation. At no point did I authorize them to pull my credit report. Nor did I sign any paperwork regarding this new loan. The following day I get an alert they had pulled my credit report.
Product: Money transfer, virtual currency, or money service

i have contacted cashapp multiple times to fix a problem with my cashapp. i have a sponsored account on my account and the sponsored account is frozen. i have asked cashapp multiple multiple times to help me and they say somebody will reach out or they will send an update to my email and ive yet to have any help.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, have identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and other relevant laws regarding the handling of my credit report and personal information. These violations include : Willful Noncompliance with Accuracy Requirements : My credit report contains inaccurate and unverified information, including late payments and collections, which were not properly validated as required under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1692g.

Unauthorized Hard Inquiry : My credit report includes a hard inquiry by XXXX XXXX on XX/XX/3 that I did not authorize, violating the permissible purposes clause under 15 U.S.C. 1681b ( a ) ( 2 ).

Failure to Disclose Opt-Out Rights : My rights to opt out of sharing my personal information were not disclosed, as required under FCRA Section 603 ( d ) ( 2 ) ( A ).

Furnishing Inaccurate Information : Multiple accounts, such as those under XXXX, XXXX, and others, have been reported inaccurately and without proper validation. This violates 15 U.S.C. 623 ( a ) ( 3 ) and the standards set for accurate reporting.

Unlawful Debt Collection Practices : Debt collectors contacted third parties and inaccurately disclosed alleged debts, violating the Fair Debt Collection Practices Act ( FDCPA ) and rules prohibiting the sharing of such information.

Misrepresentation of Late Payments : Late payments were reported without clearly defining what constitutes a late payment, which is misleading and violates my rights under FCRA Section 616.

Failure to Determine Finance Charges Accurately : The credit reporting agencies did not properly calculate finance charges, which is their responsibility.

Unauthorized Reporting of Personal Information : Personal details, such as addresses and other accounts, were added or retained on my report without my consent, further violating FCRA provisions.

These violations have caused undue distress, financial harm, and inconvenience. I have taken steps to demand corrections, validation of debts, and removal of inaccurate or unauthorized entries. However, the failure to address these violations in a timely and lawful manner may compel me to seek legal remedies under the FCRA and FDCPA, which allow for civil penalties of up to {$1000.00} per violation and further damages for willful noncompliance.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration concerning the ongoing issues I have been experiencing while trying to remove fraudulent items from my credit file with XXXX, XXXX and Transunion Credit Bureaus. These fraudulent items have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. I believe it is essential to provide an overview of the numerous attempts I have made : I first noticed the fraudulent items on my credit file and promptly contacted XXXX, XXXX and Transunion Credit Bureaus. I explained the situation and submitted the required documentation. I was assured that the issue would be corrected promptly. After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. The timeframe for resolution passed, and I had yet to receive any communication or see any progress in removing the fraudulent items from my credit file. I contacted XXXX, XXXX and Transunion Credit Bureaus again, only to be told that my case was still under investigation, with no further information provided. 
This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with XXXX and Transunion Credit Bureau 's requests. I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$3700.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

Today XX/XX/2023 I read the close complaint that stated we no longer need help with our mortgage. The complaint no. is XXXX. That is NOT TRUE. I call XX/XX/2023 for the status of the Loan. I didn't see no notes in the systems that stated XX/XX/2023 date Covid19- Forbearance would end associate said he could extend it by removing the XX/XX/2023. I said okay. This morning I look the account up and it was no notes in the system the only thing that was there was XX/XX/2023. It didn't say what XX/XX/2023 meant. I immediately tried to get in touch with a customer service an inform them to put the Loan back into Covid-19 Forbearance for XX/XX/2023. A previous customer service stated it was there. I went on line and did a history to pull it up, but I didn't see one. Nor, was a history stating I said close the account. I was on Carrington 's website and I didn't see any information telling Carrington to close the account. Since I didn't see anything and after this complaint was close. I am sure this is a miss understanding. I'm hoping once the error is corrected I will be able to go back to Carrington 's website so I will be able to physically see it in the timeline. follow the timeline. I see it didn't take the Resolution Specialist long to take advantage of the error by staying I said every thing was fix and closing out that complaint. 
I kept calling trying to get a customer services, but the recording stated the office was close. As of XX/XX/2023 I am asking Carrington Mortgage to put this Loan back into Covid -19 Forbearance until XX/XX/XXXX, XXXXWhere it was originally to started. Per Customer service.
Product: Credit reporting or other personal consumer reports

Disputed several accounts with Experian. Some accounts were removed others were removed then reinserted after removal with no proper notice. Late payments werent investigated at all ( seeing as though no proper investigation results were provided ). I am requesting all accounts mentioned be blocked and removed and all late payments be updated to Paid as Agreed Never Late.
Product: Checking or savings account

Hello, I opened a checking account with M & T bank on XX/XX/2022 based on a flyer that was sent in the mail to my home. It offerred a bank bonus of {$350.00} if I deposited {$10000.00} and left the funds for XXXX months. I deposited the {$10000.00} on XX/XX/2022. I have not received the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of Accounts on are Due to Fraud.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity.
Product: Checking or savings account

I used the atm at chase bank, I have an account with them, this is the second time my money has been taken from the atm I deposited roughly XXXX dollars tte first time. The second time I deposited XXXX dollars roughly and no one in the bank helped me, I have asked that this claim be escalated because I am depositing the money because I have bills to pay now I will be late on them and receive late charges all because the atm stole my money. I asked that the atm overages be checked and all they did was tell me to call the number, I asked to speak with a XXXX and they said there was none. The atm gave me a receipt with the sequence number on it and nothing to do with my deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX - This account is involved in litigation. This account is being disputed for the reason previously stated.
Product: Checking or savings account

I had used SunTrust for years, but when I moved to a new apartment they were unwilling to process the fund transfers needed to pay my rent. So I called in during XXXX and when I realized they wouldnt do it, I decided to switch the bulk of my banking to XXXX, who would. When I called in to cancel my other accounts ( credit card ), I asked the agent what was necessary to keep my checking account open without fees ( in case I needed to cash a check or deposit cash in person ). She told me I just needed to have {$100.00} deposited each month via direct deposit XXXX bucks ( {$50.00} keeps getting autocorrected ) biweekly into the account. Each month this would put {$50.00} into the account, and for two months each year it would be {$150.00}, thus meeting their requirements. Since then I have gotten two {$10.00} maintenance fees. During XXXX, everything played out as planned, but one XX/XX/XXXX I received a maintenance charge of {$10.00}. I called and had it reversed, assuming it was a mistake. My balance was actually higher in XXXX due to the {$50.00} deposits and other deposits from my HSA. The reversal was credited on the XXXX. I noticed that I received another XXXXdollar charge on XXXX XXXX ( sorry, {$10.00} keeps autocorrecting and deleting this ). Ive called and nobody at SunTrust can explain it or provide an answer on what would prevent this charge.
Product: Mortgage

In XXXX, Wells Fargo induced us into mortgage default with the promise of a loan modification. They told us we had to be 90 days late in order to qualify for the modification, then they initiated a foreclosure prior to us being 90 days late. The foreclosure case drug out for XXXX years... we fought for years without an attorney and eventually won on appeal. After the appeal, we hired an attorney for return circuit court due to being worn down after years of battling with Wells Fargo and their legal teams. Now all these years later, today XX/XX/XXXX, we received a check for {$200.00} ( which will NOT be cashed ) for our wrongful modification and wrongful foreclosure along with an apology for any inconvenience their behavior may have caused. During all the time from when we wrongfully lost our home in XXXX, until now, we have not been contacted by Wells Fargo ( nor anyone else ) to be notified we could be part of a class action lawsuit and entitled to a settlement. A quick internet search indicates all affected mortgage claimants should be receiving around {$24000.00}, so it appears Well Fargo is still up to their old tricks... deception, theft and abuse of the consumer at every possible chance! They should be closed down permanently!
Product: Credit reporting or other personal consumer reports

In the last couple days I have had two hard inquiries on my XXXX credit report for credit cards that I have not applied for. XXXX XXXX and capital one card are not my doings. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S ACTIONS AND MY CREDIT FILE HAVE BEEN LEFT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Product: Credit card

I've been trying to remove the fraudulent inquiries from Transunion with file XXXX XXXXXXXX and yet they have been circling me back to invalidating my FTC document even if i know myself that i made the report right. I want the following fraudulent inquiries be removed 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 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

I have a fraud alert placed on my credit report at all three credit bureaus. I called all three companies to have it removed, as " I did not initiate the alert ''. After two days of speaking with multipul representatives. I still am no closer to a reasonable resolution. XXXX directed me to their website to upload my drivers license and a utilities bill to verify my identity which is great as it is hard to get around. SURPRICE!!!!! the website does not work. XXXX claims they recieved the alert from Equifax, who claims XXXX initiated the fraud alert back on XX/XX/2019 When I inquired as to how these fraud alerts were initiated I was told only I personally could intiate the alert. SURPRICE!!!!!! 
" I did not intiate the alert! ", Hmmm?, I must be sleep walking. I keep my credit reports locked unless I am apply for something. this whole thing seems like a scheme to get you to buy one of their credit monitoring packages. whatever help you can offer is appriciated.
Product: Student loan

I made a simple request in mid  XXXX   XXXX  online -- using their link, a link specific to " change your payment date ''. I have made on time payments since  XXXX   XXXX  to American Education Service s ( AES ) , according to their website. These about {$160.00} payments were drawn on the  XXXX  of each month. I wanted to move the payments up in the month to better assess how much surplus my wife and I had each month to be able to make extra payments. I requested the  XXXX  of the month. I called a week later. They said nothing happens for 10 days. Then  XXXX   XXXX  I got a message that I failed to sign their form, which was not linked to the link described above. Ok, fine. Done, mailed it same day  XXXX   XXXX   XXXX . Sent an email last week  XXXX   XXXX   XXXX . Nothing. Pure delay tactic. To make it fair these servicing companies should be docked all the interest for their delay, otherwise what incentive do they have?
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of the security freeze currently placed on my credit report. Below are my details for your reference :
Product: Credit reporting, credit repair services, or other personal consumer reports

filed ftc on these co for violations thats on ftc web page XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATIONXXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not make any of these inquiries XXXX Inquiry date XX/XX/XXXX Business type Bank Credit Cards XXXX  Inquiry date XX/XX/XXXX Business type Department And Variety Stores- non specific XXXX  XXXX XXXX Inquiry date XX/XX/XXXX Business type Bank Credit Cards XXXX XXXX XXXX Inquiry date XX/XX/XXXX Business type Bank Credit Cards XXXX XXXX XXXX Inquiry date XX/XX/XXXX Business type Bank Credit Cards XXXX XXXX XXXX Inquiry date XX/XX/XXXX Bank Credit Cards XXXX Inquiry date XX/XX/XXXX Business type Tenant Screeners ( Reseller ) XXXX  Inquiry date XX/XX/XXXX Business type Tenant Screeners ( Reseller ) XXXX XXXX Inquiry date XX/XX/XXXX Business type Auto Financing Companies
Product: Mortgage

I closed my home in XX/XX/XXXX. On XX/XX/XXXX XXXX I received in the mail a delinquent property tax notice from XXXX County in the amount of {$1500.00} including {$31.00} in penalties. My daughter lives at the property. It was also stated on the notice that this amount must be paid by XX/XX/XXXX to avoid advertisement for lien on the property. 
I purchased the house with my daughter on XX/XX/XXXX and at that time an amount {$1600.00} for 13 months of payments at {$130.00} per month was accounted for and deducted from proceeds for payment of property taxes. Settlement statement Item : G line 3 under Other Costs. 
However, it appears the XXXX tax bill was never paid by Penny Mac from the escrow account ( in fact the money is still sitting there ) and has become delinquent.

My daughter called the mortgage company on XX/XX/XXXX and was told that the escrow company would be contacted and requested to take care of issuing the funds to XXXX County. 

My daughter called again yesterday to make sure the check was in process and spoke to XXXX but was told that the check has NOT been disbursed one week later it is still pending. The representative today also told my daughter that she would alert Escrow to get the funds dispersed ... AGAIN. 

As I do not have a record of the two phone calls, after my daughters phone call, I sent a letter as written notice of error yesterday to Penny Mac. 
I also stated that if any damages are incurred due to this error, a formal complaint will be filed with Federal and State Agencies and CFPB. 
As {$31.00} of the due amount is a penalty, I refuse to pay that part. Penny Mac should do so. 
I just checked my mortgage account online and funds have still not been disbursed.