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

I recently applied for a mortgage loan through XXXX XXXX XXXXXXXX in Maryland in XXXX. Following the registration of my loan and the retrieval of my credit report from Factual Data, I encountered a significant influx of unsolicited calls from various lenders. 

This unexpected volume of communication has left me deeply concerned about the security of my personal information. I fear that my details might have been shared without proper notification or authorization. As a result, I kindly request your assistance in promptly removing my information from any unsolicited contact lists or databases. 

Preserving the confidentiality and security of my data is of utmost importance to me. I appreciate your immediate attention to this matter and request confirmation once my information has been removed to prevent any further unsolicited outreach. 

Thank you for your prompt assistance in addressing this concern. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute a late payment that has been reported on my XXXX and XXXX reports by Toyota Motor Credit XXXX The account was opened on XX/XX/2022, and I believe this to be an error. 

I have never been late with any payment, and this is my first time experiencing such a problem. I am at a loss as to what to do, and I am seeking your assistance in rectifying this issue. I am confident that I have been timely in all my payments to Toyota Motor Credit, and I will do anything to prove it. I have been a responsible borrower, and I take my credit history seriously. 

I understand that a good credit score is essential for financial stability and security, and I am committed to maintaining an excellent credit rating. I am aware that the Fair Credit Reporting Act ( FCRA ) gives me the right to dispute any inaccuracies in my credit reports. I am exercising this right to dispute the late payment reported by Toyota Motor Credit. 

I am confident that I will be able to prove that this is a mistake, and I am requesting that the late payment be removed from my credit reports. In addition, I want to stress that I will need an advocate if this happens again. I will not allow my credit history to be affected by errors or inaccuracies, and I will fight for my rights under the law. 

I am committed to being a responsible borrower, and I will not tolerate any action that might damage my credit rating. In conclusion, I respectfully request that you investigate this matter and remove the late payment from my credit reports. I am willing to provide any evidence or documentation necessary to prove that I was on time with my payments. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX on behalf of XXXX XXXX ( ATTACHED ) On XX/XX/XXXX, I responded to that letter requesting signed credit application & statements ( ATTACHED ), on XX/XX/2017 I received another letter from XXXX XXXX XXXX, XXXX with a settlement offer ( ATTACHED ) clearly this is not what I requested, then on or around XX/XX/XXXX I received a letter from Resurgent Capital Services ( ATTACHED ) saying they have enclosed account summary ( ATTACHED ) as you can recall on XX/XX/2017 I requested signed credit application & statements from XXXX XXXX XXXX, XXXX, I only received account summary from Resurgent Capital Services. But they did not include a copy of the signed credit application. 3 collection agencies involved for one account and none can provide me a copy of the credit application.
Product: Checking or savings account

I was offered a {$1000.00} cash bonus if I signed up for an account and deposited at least {$70000.00} in the account within the first 20 days. At first, when I called to find out where I could find my account number ( because I set up the account online ), I was told by the representative that I would not know my account number until I received a welcome kit in the mail. I therefore could not deposit the money, as their online automated transfer system had errors every time I tried to use it. I called again after waiting almost 2 weeks and was told that there was no welcome kit being mailed and that I could view my account number online. I then had only a few days to process my transfer of $ XXXX from my old bank to Citibank. This was very stressful but I accomplished it in time. Now that it is over 60 days after the 21st day of setting up my account, I checked my checking account for the $ XXXX bonus. It was not there, and when I called their customer service, they told me there was no promotion attached to the account. This was very strange, as the representatives I had spoken to in my first 20 days at Citibank were all aware of the promotion, as I nearly didn't make the 20-day deadline and had asked for an extension.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the process of buying a home TransUnion issued a credit report. I questioned the credit score and comments by calling TransUnion in early XXXX XXXX and was given very poor support in response to my questions. I then requested a copy of the report. The reported dated XXXX/XXXX/XXXX arrived at my home address on XXXX XXXX, XXXX. This report contains inaccurate information with respect to my employment and contact details, with the inclusion of contact details for my wife and son, but also numerous other inaccurate or redundant details. This report also shows details of an XXXX XXXX account which is not mine. More erroneously prior credit card and home loans which are clearly shown as CLOSED are shown to have current balances and credit availability. The home loan accounts are inactive and were all paid in full, moreover, there was never any amounts on the credit cards with XXXX and XXXX that were not paid off in full by the monthly due date. In all these cases the 'Amount Paid ' is shown as zero each month. These errors led to a comment on the credit report to the effect that there were 'large amounts of revolving credit ', which is misleading and blatantly incorrect. I have tried the 'disputeonline ' link and despite gaining access to my TransUnion account it will not accept my dispute. I called their XXXX number and was told they were not available. TransUnion is largely inaccessible, inefficient and should not be allowed conduct such a critical business in this manner. CFPB should take urgent action to investigate the business practices of TransUnion and consider their ongoing ability to operate such an important function handling sensitive information.
Product: Credit reporting or other personal consumer reports

Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed with Arizona supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for full verification
Product: Credit reporting or other personal consumer reports

Capital one agreement was to delete the information I wrote XXXX and showed my evidence and they still didn't do a proper investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act this creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC section 604 section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on credit card account under an open consumer credit plan as late for any purpose. XXXX XXXX XXXX, Nordstrom/TD Bank XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XXXX - {$8700.00} XXXX - XXXX - XXXX - {$1400.00} XXXX - XXXX - XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XXXX - {$220.00} INQUIRIES : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX, both my Chase checkings and savings accounts were suddenly closed and they have not returned my money. My checking account had {$6100.00} and my savings account had {$7600.00}, totaling to {$13000.00}. 

When my accounts were closed, I was locked out of my accounts and unable to access any messages/communications via the online portal. The same day, I called Chase and they said the accounts were closed due to suspicious activity. Over the phone, they stated would return the remaining balance after they complete their investigation ( with no specific timeline ). A few days later, I received bank account statements and it seems like Chase removed all the funds from my account ( description : Debit XXXX  - Check Charge ). However, I never received a check for the ~ $ XXXX. 

Over the next few weeks, I continued to call and follow up on the progress of the investigation. The calls would last more than 2 hours with most of the time them putting me on hold. The calls led no where - the staff always hung up or transferred me and then later tell me there were no updates. 

I had enough and decided to go into the Chase branch to resolve this. On XX/XX/XXXX, I went in person and the banker basically did what I had done. They called Chase and relayed the same information I was already provided - funds are still locked and being investigated. This was more than a year after my accounts were closed... 

Time passed and I had slowly forgotten about this. Fast forward to recently - I attempted to go into the branch again and resolve this matter. On XX/XX/XXXX, I spoke with a banker and they said there was an archived letter on my account. However, my account was still locked and I was not able to access it. Till this day, I have not received a single letter, email, or phone call from Chase about my funds and closed accounts. The banker told me that they would try to retrieve the archived document. However, it has been more than one month now and there has been no updates at all. 

To sum this all up, Chase closed my accounts about 4.5 years ago and has not returned my total balance of {$13000.00}. Despite numerous attempts of calling and even going in the branch, they have not provided an update on their investigation on my account and have stalled for the last 4.5 years. Additionally, I have not received a single letter, call, or email.
Product: Debt collection

Received a letter from the company ( commonwealth financial systems ) on XX/XX/XXXX ( letter dated XX/XX/XXXX ). Sent company a letter requesting validation of original debt and got no reply. When checking my credit score, I noticed the company reported the debt so I called to ask why it was reported though I never received any followup information. Was told the letter was sent but it was most likely the same as original letter ( again never received any followup, letter or otherwise ). Now I am being told that an itemized list will be sent however the debt will still be on my credit score.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

I looked at my credit report on XXXXXXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

My problem is with flagstar bank. I have conventional loan and i had PMI. I have paid off 23 % of my original mortgage and they haven't dropped my PMI. When i called them they told me that i have to pay XXXX $ for an appraisal, i feel like they are stealing money from the people.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal profile account with the CRA shows in-accurate accounts posted to my profile which are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, Convergent 1 ) XXXX XXXX - Account # XXXX******** 2 ) XXXX XXXX XXXX  - Account Number XXXX XXXX ) XXXX XXXX  - Account Number-601101******** XXXX ) XXXX XXXX - Account Number- XXXX 5 ) XXXX  XXXX XXXX Account Number- XXXX 6 ) XXXX XXXX XXXX  XXXX - Account Number- XXXX 7 ) XXXX XXXX  -Account Number- XXXX 8 ) XXXX XXXX - Account Number - XXXX 9 ) XXXX XXXX, XXXX - Account Number - XXXX 10 ) XXXX XXXX - Account Number - XXXX 11 ) XXXX  XXXX - Account Number - XXXX 12 XXXX XXXX XXXX Account Number XXXX 13 ) XXXX  XXXX - Account Number XXXX 14 ) XXXX  - Account Number- XXXX has violated my rights. 

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

15 U.S.C.1861 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

4 Subject : Complaint Regarding Violation of FCRA by USBANK Dear CFPB, I am writing to file a formal complaint against [ Bank Name ] regarding a violation of the Fair Credit Reporting Act ( FCRA ). The nature of this complaint is rooted in the bank 's failure to adhere to its commitment to pay and delete a debt from my credit report, despite my fulfillment of the payment terms. 

Account Information : Creditor Name : US BANK Account Number : XXXX Chronology of Events : 1. I entered into an agreement with US BANK to settle a debt with the understanding that upon receipt of payment, the bank would promptly initiate the process of deleting the associated negative entry from my credit report.

2. I fulfilled my end of the agreement by making the payment to US BANK, in accordance with the terms specified in our agreement.

3. Subsequent to the payment, I have diligently monitored my credit report and noted that the promised deletion has not occurred, thereby violating the terms explicitly agreed upon. 

This incident constitutes a clear breach of the FCRA, which mandates that information reported to credit bureaus must be accurate and must reflect the actual status of an account. Additionally, the FCRA grants consumers the right to dispute inaccurate information and ensures that credit reporting agencies conduct reasonable investigations in response to such disputes. 

I kindly request the CFPB 's intervention to investigate this matter thoroughly and compel US BANK to fulfill its commitment by promptly deleting the inaccurate entry from my credit report. 

Your prompt attention to this issue is appreciated, as it directly affects my creditworthiness and financial standing. 

Thank you for your assistance.
Product: Debt collection

I havent used the company the debt claim is owed. A resolution this debt owed is not mine needs to be fixed
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus ( XX/XX/2024 ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$300.00} XXXX XXXX Balance : {$33.00} XXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$750.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Inaccurate reporting on my credit report Date of Last Activity : Inaccurate High Balance : Inaccurate Creditor Type : Inaccurate Payment history : Inaccurate XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Inaccurate reporting on my credit report Last Verified : Inaccurate Date of Last Activity : Inaccurate Closed Date : Inaccurate Payment Status : Inaccurate Creditor Type : Inaccurate Payment history : Inaccurate XXXX. Account Name : XXXX XXXX XXXXXXXX. 
Account Number : XXXX Reason : Inaccurate reporting on my credit report Date of Last Activity : Inaccurate Date Reported : Inaccurate Closed Date : Inaccurate Creditor Type : Inaccurate Payment Status : Inaccurate These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. 

I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.
Product: Debt collection

I was set up with a payment plan to resolve my debt. I made all the payments to the creditor on time and should have ended my debt in XXXX of XXXX. 

Creditor says they did not cash a check in XXXX of XXXX. I have proof they did. 

In XX/XX/XXXX I received a notice that the creditor was going to garnish my wedges. 

I have tried to contact the creditor to resolve this issue. 

Creditor took money from my paycheck on XX/XX/XXXX.
Product: Vehicle loan or lease

Over charged me for a loan on a used car. Didn't disclosed all the fees either. Car broke down and was repossessed. On top of reporting inaccuarte numbers on my credit.
Product: Credit reporting or other personal consumer reports

I am writing to express my significant concern about inaccurate items reporting on my credit file. I have raised several complaints about this issue, despite my efforts the erroneous items continue to severely damage my credit file. It has caused every credit application for the past 2 years to be denied. According to XXXX XXXX Section XXXX ( a ) ( XXXX ) ( A ) there should not be any damages on my credit report this is defamation to my character and I want to emphasize the severe financial and emotional distress that this negative rating has caused me for the past 2 years and will continue to cause until it is resolved.The information on my credit report was obtained without my consent. Pursuant to the Privacy Act of XXXX ( XXXX XXXX Code XXXX ) and the Fair Credit Reporting Act ( XXXX XXXX XXXX section XXXX ), I did not authorize the release of my personal information or credit history to XXXX, XXXX or XXXX. Additionally, I would like to bring to your attention that under the XXXX XXXX Transfer Act ( XXXX XXXX XXXX ), any financial institution is required to obtain written consent before sharing any sensitive information about an individual 's financial history. 
It has been well over a year since XXXX completed its investigation and removed these erroneous accounts in XXXX of XXXX XXXX has completed its investigation, including contacting the furnisher of the information. The results of the investigation were provided to XXXX and XXXX in several complaints yet they both completely failed to conduct a proper investigation or comply with FCRA STANDARDS, entirely refusing to fix these issues, and continue to report inaccurate information to my credit file with actual knowledge of errors. This is a clear violation of my consumer rights, specifically Responsibilities of furnishers of information to consumer reporting agencies ( XXXX XXXX Code XXXX ), Civil liability for willful noncompliance ( XXXX XXXX Code XXXX ), and Civil liability for negligent noncompliance ( XXXX XXXX Code XXXX ) I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance. I ask that you remove this erroneous account from my credit report immediately. Account XXXX : XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX  didnt send me any notifications on disputing this information or given me an itemized list of purchases or payments and Im being told I owe more then the amount of credit given
Product: Debt collection

This company is harassing me and my family. They are continually robo calling my mobile phone, parents, siblings, and employer. I am losing work because of their tactics. They claim to represent the IRS, Banks, and will arrest me. These people need to be stopped.
Product: Credit card or prepaid card

I applied for and received a new credit card that stated that there was an introductory rate of 0 % APR on balance transfers for 18 months and received paperwork to that effect. I initiated a balance transfer from a high interest credit card on XX/XX/22. Today I received a letter stating that interest would accrue starting the date of transfer. I called the company to question this and the contact person would not discuss the introductory rate. I attempted to cancel my card and cancel the balance transfer, but was told to contact my financial institution. I don't understand this as my bank has nothing to do with this. I did call the credit card company where the transfer was coming from and they said that they couldn't stop the transfer. Frankly, I not sure that the person I was speaking to understood completely what I wanted. I feel that I was mislead by the new credit card company.
Product: Mortgage

Was denied by Nationstar for a HAMP ( XXXX loan ) because " No divorce, XXXX or divorce. '' My income has been reduced and continues to be reduced due to elimination of overtime. I included my husbands income ( non-borrower ) but his overtime also has been eliminated. I am going to " Appeal '' the decision and hope Nationstar will reconsider that there is in fact HARDSHIP.