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

According to XXXX and XXXX my rental application for XXXX XXXX was denied because of the following below : This decision was taken for the following reasons : Rental history Prior to this denial, XXXX  directly called my prior landlord at XXXX XXXX XXXX. 
XXXX came back to me, stating I owed a balance of {$3100.00}. XXXX XXXX XXXX provided them with false information and I told XXXX that. However, they still denied my rental application solely based on a verbal from my previous landlord, rather than a derogatory mark or collections on my credit report. As of today I have zero derogatory mark or collections on my credit report. 

I have Experian report under XXXX which I have no idea why this is there. XXXX gave me XXXX  name and address, but provided nothing for Experian in the denial email they sent to me. 

XXXX stated in the denial email verbatim that, " The consumer reporting agencies played no part in our decision and are unable to supply specific reasons why adverse action was taken. '' They can't give me a specific reason because it isn't on my credit report, and they took a verbal from a landlord.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute all inquires from XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I FID NOT GIVE AUTHORAZATION TO PULL MY CREDIT PLEASE INVESTIGATE AND REMOVE THOSE INQUIRES THX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX- XXXX XXXX - XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act consumer 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  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 an account without my written instructions. 15 U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Debt collection

On XXXX XXXX, XXXX, I received a phone call from XXXX XXXX OF the Frontline Collection Agency, stating that a previously held joint credit card from the time of my marriage was still in existence. XXXX XXXX insisted the outstanding balance was my responsibility as my name was on the acAcount during my marriage. He requested that I put the outstanding balance on a credit the day of the call. XXXX XXXX incorrectly reported the outstanding amount due as being {$7000.00}. 

I informed XXXX XXXX that this was not my debt and that I had no obligation to pay the debt. I requested the information be sent to me in writing, which XXXX XXXX did. The email I received further added that the debt must be paid by XXXX XXXX, XXXX, which had not previously been mentioned and legal action was threatened. 

I have no reason to believe there is any joint account subsequent to my divorce. A Property and Support Settlement Agreement was signed by my husband on XXXX XXXX of XXXX, and by me on XXXX XXXX of XXXX. Both signatures were duly witnessed by NOTARY PUBLICS. This document was ratified into a Final Decree of Divorce is filed in XXXX XXXX of XXXX XXXX, Virginia. 

The section titled OBLIGATIONS FOR PRIOR DEBTS reads as follows : The parties acknowledge and agree that all joint marital debt has been paid in full and there are no longer any open jointly titled credit cards, and in the event, that this is not correct, such joint accounts will be closed forthwith. The parties agree that any debt incurred by either party shall be the sole and separate responsibility of the party incurring such debt, and each shall hold the other harmless and indemnify the other in this regard. 

Additionally, I have never received by post, by email, or any other method, a bill, or any correspondence with information having to do with the account. If my husband left a joint account open, it was in violation of a court order. 

I want this account removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian report XXXX XX/XX/2019 the report does not show that I am on a payment plan.this is the result of a recent dispute, do not agree. XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX updated my credit reports in XXXX reflecting 30 days late in XXXX. While in XXXX, my account reflected current. In reaching out to them, the response I keep receiving is the system is generating the updates. Reviewing my credit report, they are updating at least 3 times a month. In XXXX, my file was updated on XXXX, XXXX & XXXX. My Experian file was reported late on but then revised to reflect current on XXXX. At that time, Transunion and XXXX reflected current. On XXXX, both Transunion and XXXX are reflecting late in XXXX while XXXX is still reflecting current.
Product: Checking or savings account

I have TCF checking account. The problem with it is twofold : ( A ) ATM Debit transactions are not posted on everyday bases. Instead, multiple transactions are grouped in clusters and posted every other day, or even, every third day. 

In such way, it is very inconvenient, almost impossible, for customers to balance account and monitor for potential fraudulent transactions. 

( B ) Multiple venders have exactly the same ATM / Debit Terminal / Authorization number. 

For example, XXXX store and XXXX XXXX store have exactly the same Terminal / Authorization number : XXXX. That is so regardless of the fact that both vendors are located approximately two miles apart from each other. 

I find that to be illogical from accounting point of view and thus confusing.
Product: Mortgage

This is about previous complaint # XXXX The Wells Fargo response was not about me trying to assume the loan into my name, which they denied. I sent them the assumption application in XXXX  not XXXX  like they sent me.That was a entirely diffrent loan with XXXX XXXX to get the mtg. payments lowered. I was forced to sell my home due to their denial. I had been paying the mortgage without my ex-husbands help, since XX/XX/XXXX. I sent all the email responses from wells fargo to do with the assumption also. I consider there so, called responses as unfair practice. Their so-called resolution dept. is a joke and their Mtg. team was of no help. They never returned my calls and never answered the phone.It 's been a total wast of my time..
Product: Credit reporting, credit repair services, or other personal consumer reports

Following information not being reported properly with credit reporting agencies ; high balance, closed date & credit limit. 

Also ; In accordance to Fair Credit Reporting act Company, rights have been violated my rights. 15 U.S.C 1681 sect 602 A ( right to privacy ) & 604 A- consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I disputed the reporting on my credit file. That dispute letter will be included as evidence. I requested Transunion to correct or delete information reporting in error on my credit file. I have disputed prior following all the steps and transunion refuses to remove the wrong information on the following accounts. XXXX is reporting last payment made XX/XX/XXXX and reporting on time payments XX/XX/XXXX and XX/XX/XXXX. This information is inaccurate. From XX/XX/XXXX through XX/XX/XXXX " no data '' is reported this information is incomplete. XXXX closed date XXXX XXXX while reporting 120 days past due in XXXX XXXX this is inaccurateXXXX XXXX  account is reporting last payment made was XX/XX/XXXX while reporting on time payments XX/XX/XXXX and XX/XX/XXXX. This is inaccurate reporting. XXXX XXXX XXXX is reporting last payment made XX/XX/XXXX while showing on time payment for XX/XX/XXXX. This is inaccurate reporting. XXXX XXXX is reporting open, the account is closed. Lease ended 38 months after purchase date XX/XX/XXXX, XXXX this is inaccurate. Last payment is reporting XX/XX/XXXX while reporting " no data '' for this month. From XX/XX/XXXX through XX/XX/XXXX no data is provided. This is an incomplete report.
Product: Credit reporting

In XXXX, without notice, XXXX XXXX XXXX force closed XXXX of my accounts without any notifications, reason, or consent. When I asked them for a reason, they said I would receive mail detailing the reason ( which I have not received ). They did not tell me I still had a {$25.00} balance on one of them. 

Fast forward today, I noticed a derogatory mark on my TransUnion report. I called into XXXX XXXX XXXX today asking why there was a derogatory mark on my credit report. They initially claimed it was because I failed to make payments for 60 days. When I pressed with information that it was closed in XXXX, they claimed it was closed without my consent for some " internal reasons. '' The account was set up to auto-pay {$25.00} each month until the balance reached XXXX. After running my second to last payment in XXXX, they closed the account with {$25.00} remaining and provided no way for me to see what account was closed, what balance remained, and any methods to pay off the remaining balance. 

XXXX XXXX XXXX offered to submit a form to expunge this record from my Transunion report, but stated that because it was in collections, I could not pay off the {$25.00} to XXXX but instead needed to go through Transunion to find the collection agency and pay off the balance there. I called Transunion to file a dispute of the record and find the collection agency responsible for the {$25.00} debt. Transunion claimed that the balance was not in collections. 

Lo and behold, XXXX XXXX XXXX also failed to notify me that they reported the " delinquency '' to XXXX as well. Now I am not sure if they reported it to XXXX or any other agencies. After spending an hour with XXXX to dispute the mark, I found it ridiculous that I had to clean up XXXX mess. This should be XXXX responsibility to clean up the mess they caused. They intentionally harmed my credit report and provided no means to settle the remaining balance, which I could happily do right now. 

I am in the process of purchasing a house and XXXX XXXX XXXX is costing me both opportunity costs and higher interest rates as a result of their mistake. Please CFPB, set XXXX XXXX XXXX straight.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information or 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 accurate.
Product: Credit reporting or other personal consumer reports

Here 's a text you can use for your dispute with the Consumer Financial Protection Bureau ( CFPB ) : -- - **Subject : Urgent Dispute : Inconsistent Reporting of Closed Account by XXXX XXXX XXXX Whom It May Concern, My name is XXXX XXXX XXXX and I am writing to formally dispute the inaccurate reporting of a closed account with XXXX XXXX XXXX This account is being reported inconsistently across the XXXX major credit bureaus, as follows : - **XXXX** : Account # XXXX - **XXXX** : Account # XXXX - **Equifax** : Account # XXXX Despite my repeated complaints, these credit bureaus continue to claim that the account is " verified, '' yet they are clearly not reporting the same account number, which is a blatant violation of the Fair Credit Reporting Act ( FCRA ). Specifically : 1. **FCRA Section 609** mandates that credit reporting agencies provide the consumer with all information in their credit file, including account numbers. The discrepancies in the reported account numbers violate this provision.

2. **FCRA Section 611** requires credit reporting agencies to conduct a reasonable investigation into disputed information. Given the clear inconsistencies, the continued reporting of this account without accurate information shows a failure to conduct a reasonable investigation. 

3. **FCRA Section 623** requires furnishers of information, such as XXXX XXXX XXXX to report accurate information. The discrepancies across the credit bureaus suggest that XXXX XXXX has failed to fulfill this obligation. 

Furthermore, this situation aligns with the case law established in *XXXX XXXX XXXX XXXX XXXX XXXX XXXX where it was determined that credit reporting inaccuracies that are not rectified after notice are a violation of the FCRA. There is only one data Furnisher of this account, if the information is not 100 % consistent across all three credit bureaus than it is INACCURATE AND MUST BE DELETED! 

Given the ongoing violations and the severe impact this incorrect reporting has on my credit, I intend to escalate this matter. If this issue is not resolved promptly, with the removal of this erroneous account from all three credit bureaus, I will file a claim with the Attorney Generals office and pursue legal action against all parties involved for non-compliance with federal law. 

I demand a written response from a real person, not a computer-generated reply, outlining the steps that will be taken to resolve this issue. Please be advised that I expect your response within 15 days from the receipt of this letter. 

Thank you for your immediate attention to this matter.
Product: Checking or savings account

Chase bank closed my account due to the payee name not matching my name ( account holder ). I went into the bank to verify that the payee authorized the funds to be received by me by them bringing in XXXX forms of ID and proof of business association. They never scanned the IDs or anything to be sent to the fraud department they simply said they couldnt help me. After I was told that, I submitted a complaint requesting a release of my funds. They then replied saying that they dont have the necessary information to release them as I need to verify the payee by phone number or walk into a branch with their XXXX forms of ID and that I also need to verify maker issuance which if Im wrong correct me only applies to checks ( these are all ACH deposits ). I then let the fraud department know where the ACH deposits came from ( shopify ) and they did their research and couldnt find a phone number that can be verified because XXXX has moved all of there contact methods to digital meaning only live support chat and email. So there was no way to call and verify makers issuance as XXXX doesnt have a phone number to call. So the fraud department said there is no way to verify my funds and that my money will be sent to the state after a certain time frame. Which is ludicrous as this is legal money coming from a legit source just the payee names were mismatched. There has to be another way to verify my funds as that is not fair to victims who have legit transactions but just because the Maker doesnt have a phone number the transactions cant get verified. This needs to be handled as that is my hard earned money that I have no access to simply because of a payee mismatch and because the maker has no phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

At XXXX XXXX XXXX, Phone Support. it is Completely waist of Time. Most of the Time, Un-resolve Issues. ON my Credit Report XXXX XXXX Account XXXX XXXX it's Not My Account. Also it Show XXXX Late Payment. That is Also Wrong. I do have XXXX Credit Line Account XXXX Never been LATE. 
I have tried, BANK as well EXPIRAN to Fix this Problem. And Un-fortunately BANK, and EXPIRANCE refuse to Fix it. 
And, I am on there Mercy. At the Moment I have applied for New HOME LOAN With the HELP of Current Admiration. Financially Helping American 's Families Back to TRACK. 
I like to Request. CFPB Please Expedite my CASE So I don't Lose opportunity getting Batter. FINANCING
Product: Mortgage

Monday, XX/XX/2022 : I received a notice of insurance cancelation from my property insurance company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This cancelation notice and the accompanying Billing Notice are enclosed. Because I did not check my mail until XXXX, I was not able to call my local agent. 

Tuesday, XX/XX/2022 : I called my XXXX XXXX agent, XXXX XXXX, and confirmed that my policy had been canceled due to nonpayment by the mortgagee effective XX/XX/2022. 
XXXX EST : I called PHH Mortgage and informed them of cancelation. My agents name and policy number was taken and the agent said that she would resolve the issue and call me back. 

I called my agent again and advised him that PHH was going to reach out and that if my account status had not changed by XXXX, to please call me so that I could escalate. 

XXXX EST : After XXXX XXXX called and let me know that my insurance still had not had a payment applied, I called back ad escalated it again. At this time, I was told that PHH would overnight a payment to reinstate my insurance. I asked for clarification of that and was told that a check would be cut on the NEXT business day and then would be sent to XXXX XXXX via XXXX overnight. I asked to speak to a supervisor to understand what had happened to allow my insurance to lapse and was told I would be called back by one. As of the date of this letter, I have received no further communication from PHH Mortgage. 

Because I was without homeowners insurance from XX/XX/XXXX through that date and was told that I would remain without insurance until XX/XX/XXXX, I made the decision to call XXXX XXXX directly to make a payment of one months premium to reinstate my coverage. 

I have a pool and live in XXXX XXXX where we have entered hurricane season- we have had a tropical storm during the window of time that I was without insurance. PHH Mortgage is contractually obligated to pay my property insurance and to keep it in good standing, per the mortgage agreement and the monthly charges for escrowed funds to do so. Had an accident occurred at my property during the three weeks I was without coverage, the property or our financial wellbeing could have been put in jeopardy. Both XXXX XXXX and PHH Mortgage had the correct information for my mortgage company and for my property insurance on file at the time this event occurred. 

I would like to file this complaint against PHH Mortgage so that their processes and systems be evaluated and events like this are avoided in the future.
Product: Student loan

When i graduated XXXX XXXX with an XXXX which was around XXXX, I reached out to XXXX XXXX to start making payments on my private loans. I remember being in forbearance for a year or two but then decided to start paying my loans because I wanted to build my credit and get rid of those loans as soon as possible. I had multiple discussions and arguments with Salliemae because they were never willing to work with me on a payment plan. During XXXX, someone I spoke to quoted me a $ XXXX/monthly dollar payment which was absurd giving my salary and expenses ( which I provided to salliemae ). Weeks later, sallie mae sent all my accounts to collections and that impacted my credit score negatively. My credit score literally went from the 700 hundreds to the 500 hundreds. Weeks later, I was having a conversation with another individual at Sallie mae and she noticed that whoever worked on my financial statement missed some expenses and made a mistake on my income which explains why I was quoted a {$2000.00} monthly payment. Now, in order for me to not have a deliquent status and my step dad who is the cosigner on the loan and has retired, i decided to agreed on the monthly payment of {$850.00} a month. Multiple times I have called sallie mae to try to reduced my payment because right now giving the financial situations everyone is going thru, I can not afford to spend almost {$1000.00} in students loans. I do want to pay my loans but they are not working with me to lower my payments. I still live with my parents and I'm honestly having family issues which would require me to move. My options are going to be to either pick up a mortgage or throw money out the window paying rent and forget about paying my students loans for now but I do not want to do that which is why I decided to reach out to you guys. 

I hope you guys can help me out with this! 

Looking forward to hear from you. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about a delinquency that started in XX/XX/XXXX through XX/XX/XXXX. There were 29 straight months of the account being reported as delinquent. Seven years from the date of the account initially going delinquent would be XX/XX/XXXX. Because it was a SERIES of delinquency, every delinquent month in that series should have been removed as of XX/XX/XXXX. Right now as of the filing of this complaint they are still reporting delinquencies from that period. The Fair Credit Reporting Act 605 ( c ) is the statute that addresses this situation i.e. " date of COMMENCEMENT of the delinquency ''. I have explained this to the credit bureau and they do not seem to understand. XXXX XXXX XXXX refuses to correct the mistake, so here I stand.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

A XXXX XXXX calls from an unknown company at least once a week stating, " I 'm calling you regarding a previous call. You still have n't called us back to let us know what your current intentions are. You need to call if you want any input on this matter. Call XXXX in regards to identification number : XXXX, '' He calls from this number : XXXX. Everything is vague and sounds extremely shady.