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

TransUnion has lied to me numerous of times stating they did not receive any of my documents, when I have been submitting the documents through the Cfpb, this is my last attempt to resolve these matters about the unauthorized inquiries on my consumer file, TransUnion has been negligent to comply with the fair credit reporting act and does not have permissible purpose to furnish such information including the XXXX inquiries. ( Please see ALL supporting documentation to resolve these matters ) I have spoken with a specialist from transunion name XXXX who stated transunion did NOT receive my complaint submitted XX/XX/XXXX regarding the inquiries on my consumer file, when they actually responded to the complaint. Transunion has not been telling the truth and I shall seek punitive and statutory damages regarding the failure to comply with the fair credit reporting act and failure to resolve these matters ( SEE ALL ATTACHMENTS )
Product: Credit reporting or other personal consumer reports

Incorrect Personal Information : NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

In XXXX we found we were unable to make transactions in or out or our checking and savings accounts. 
We attempted to visit local Citibank branches in XXXX but found they were closed first due to the covid virus and then due to the protests and demonstrations that began across the country. 
We called Citibank XXXX and spoke with XXXX on XX/XX/XXXX. 
We were told the bank was in the process of closing our accounts and they were therefore blocked. 
We were not given a reason why. 
We were given case number XXXX  
We were told Citibank is unable to give a specific date when our funds will be released but that it is never more than 30 days from when they are initially blocked. 
We are now close to the 30 day time period and when we contacted Citibank again they still do not give us a specific date as to release of funds. 


We would like to be given a specific date as to when these funds will be available. 
We need these funds for essentials like housing payment, health insurance, groceries, prescription refills, etc. 
We would like to know by what method we will receive these funds.
Product: Credit reporting or other personal consumer reports

am writing to dispute the accuracy of a charge-off listed on my credit report under the account. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading. 
I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank for your prompt attention to this matter. I look forward to your response.
Product: Debt collection

I was contacted by AmriFinancial Solutions LLC, regarding a medical debt in collections. 

Please be advise I requested a validation of the debt from the collection agency, and I received a response that clearly violates my HIPAA rights, as they did NOT provide me a HIPAA release that releases my daughter 's ( a minor ) medical information to them. By providing such information, they are in VIOLATION of my and my daughter 's HIPAA rights.
Product: Mortgage

My mortgage servicer, M & T Bank, has been waiting to apply my mortgage payments to my account, charging me erroneous late fees, harassing me with late payment phone calls when my mortgage was paid, and marking me late on my credit report for the last XXXX years. 

I have tried on several occasions to resolve this on my own with M & T but XXXX received any help of any kind. I have called on several occasions, written a letter, and even sent in proof of the receipts to show when my mortgage payments were made. 
Every single mortgage payment in this time period has been made the exact same way. I cash my check at the XXXX M & T branch closest to my home, then give the teller the cash to pay my mortgage payment. Every single payment I have made has been made prior to being XXXX days late on my mortgage payment, and I have the receipts to prove it. However, my credit report shows otherwise. I believe that I have not had a late payment since prior to XXXX of 2020. In XXXX of 2020, I caught up on my mortgage. I believe I was XXXX months late. This was due to my XXXX being XXXX  and XXXX in my home. 

Having these late payments on my credit report is hindering me from being able to sell this house and purchase a new house, which I need to do to be able to bring my XXXX XXXX here to live with me. I have been told by more than XXXX mortgage company that I need to have a cleaner payment history in the most recent 12 months to meet mortgage underwriting guidelines. Additionally, this has destroyed my XXXX XXXX, preventing me access and/or reasonable terms to multiple different forms of credit. 

I will attach the following documents to show proof : - A written timeline/ outline that shows the date the payment was made, the amount the payment was made for, what months mortgage payment, if I should have accrued a late fee for paying after the XXXX of the month, when I did pay late fees, and the late payments that appear on the credit report broken down by year - Copies of all receipts from M & T Bank XXXX specify the date the mortgage was paid and for how much - A copy of my most recent credit report - A copy of my most recent letter from M & T showing I have tried to resolve this on my own. I have additional letters, but Id have to look for those letters. The letter shows that my cash mortgage payment is not being applied when it is received. 
- A copy of my most recent monthly mortgage statement
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

Bank of America Date : XX/XX/2019 Loan Application Number : XXXX I was told that BOA will cover that point fee to get interest rate 3.875 % because I have been with BOA for 15 more years. That's the main reason I was waiting for loan approval from BOA. But at the end they just told me that their manager didn't approve it. 

The underwriter intentionally delayed the process by requesting documents one by one every 3-5 days. That caused the the point fee for 3.875 % increased from {$4200.00} to {$6100.00} because of the 2 months delay caused by the underwriter. 

I contacted their management and requested refund of {$6100.00} but they rejected. 

Here are the lender contacts, XXXX XXXX Consumer Lending Client Experience XXXX Mail Code : XXXX NMLS # XXXX Email : XXXX XXXX XXXX Primary Originator NMLS ID : XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX bankofamerica.com
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that XXXX XXXX would verify the debt. So I took it upon myself to ask XXXX XXXX for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting, credit repair services, or other personal consumer reports

After noticing that my deferred payments, during the multiple times that I was diagnosed with XXXX were being reported as past due, I contacted XXXX XXXX XXXXXXXX XXXX in order to have the incorrect information corrected. I contacted their customer service in XXXXXXXX XXXX, XX/XX/2022 and XX/XX/2022, and I explained that I was granted deferrals during the times listed as being late. They indicated that they are reporting everything properly on their end and that I would have to submit a dispute to the credit bureaus in order to update the reporting on all 3 credit bureaus. The customer service rep further explained that no matter what I do, she rarely sees any success when disputing credit reporting information but also confirmed that she saw my deferrals in the system. I submitted MULTIPLE disputes via XXXX, Equifax and XXXX without any success. It is imperative that this information is corrected due to the fact that I am applying for a commercial real estate loan and these payments will hinder my ability to qualify for the business loan.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX/2015, 60 days XXXX/2015, 90 days XXXX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting

hello, there are XXXX things on my report that I have verified with XXXX XXXX XXXX that are incorrect on my Experian Report, and XXXX stated they have contacted Experian to remove this verbage and incorrect statements. " Paid in Settlement {$220.00} written off '' is a false statement, and inaccurate information.I was told by a XXXX representative, it should read Account Paid Account Closed. It also shows a CHARGE OFF in 2015. There was nothing charged off in 2015!!, and I want that corrected as well. There was no activity on my Honda Accord in 2015. Please help me. Thank you so very much!
Product: Credit reporting or other personal consumer reports

Subject : Request to Remove Inaccurate or Unverifiable Information from Credit Report Dear Consumer Financial Protection Bureau, Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am writing to dispute certain inaccurate or unverifiable information on my credit report. Per 15 U.S.C. 1681i, consumer reporting agencies are required to investigate and promptly correct or remove any inaccurate, incomplete, or unverifiable information.

The following items on my credit report are incorrect and should be removed immediately Experience/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

Today I spoke with an agent XXXX at Experian. I had let him know that according to the FCRA law old addresses and phones numbers.
Product: Debt collection

This collection is affecting my credit report, this collection has a amount of $ XXXXand this was opened around XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious accounts. 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 # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$4000.00}
Product: Debt collection

This complaint is against ProCollect. I received a settlement offer in the mail dated XXXX XXXX for the amount of {$320.00}. The settlement was to be paid before XX/XX/2022 and the debt would be deleted from my credit. I made 2 payment online as agreed {$200.00} XX/XX/2022 and {$120.00} XX/XX/2022. Ive called the company to check on the status of the debt being removed from my credit several times, but unable to speak to the only person XXXX XXXX who could access my account. The representative informed me that it would take at least 30 days from the last payment of XX/XX/2022. Ive sent emails to XXXX XXXX, but have not received a response as of yet. Ive disputed this debt several times, but it remains on my credit report. ProCollect has not kept their agreement to delete this account from my credit, if the agreed settlement amount was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023 to update the suspicious information. I think you have not validated these accounts This was already included in my prior COMPLAINT, and I'm including it again. 

Here are the accounts that need verification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I did not authorize this inquiries : XXXX 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: Checking or savings account

Thursday I went to branch on XXXX XXXX XXXX to deposit a check from my family 's trust fund. The check was distributed by XXXX XXXX  however I had just opened my account days prior with Wells Fargo. I knew it could possibly be a complex issue with my out of state drivers license, it being a new account and the amount I understood what the process would be. When I went to teller I explained to her the situation and the amount of the check. I explained to her that I wanted to DEPOSIT it in my account. I told her I knew the process of holding the check to verify it and I am okay with that, whatever the time limit would be is fine. She ran my check thru the machine and stated they needed to call to verify it. I told her that was totally fine. The manager comes out to look at the check. Im explaining to her the same thing and she barely engaged with me, she wasnt welcoming at all. I had the feeling of discrimination. However I went against my gut. I waited for over 15 mins just to be told no one is picking up and they can not deposit my check. Im thinking the time of day maybe the verification team is on lunch. I came the next day right when they opened thinking its early and someone will answer when they call to verify it. Again the same teller that helped me the day prior said they would have to call to verify it Im like thats fine. She goes in the back 10 mins later she tells me no one is picking up. Im like really. I tried two other branches the XXXX XXXX XXXX by the XXXX XXXX and the one off XXXX XXXX in XXXX. I was treated the same I feel the manager at the XXXX XXXX branch flagged my account about the check I was trying to deposit. Yes I understand its a new account with no activity as well as the DL and the amount. However my account is open I have a legit DL and the check is legit. So why did yall make it so impossible to DEPOSIT a check that was written out to ME with my account in my name and hold the check until its verified?? Its fine though I got it handled. XXXX XXXX  on XXXX XXXX help me open an account and had absolutely no problem depositing my check. Ive closed my account this is the worst service ever. There are other reviews about discrimination from this particular branch. Legal action
Product: Mortgage

Ocwen Loan Servicing LLC is reporting two mortgage late payments on XX/XX/XXXX & XX/XX/2011. I made those payments on time via XXXX, XXXX XXXX XXXX on line payment system did n't work so the payments were posted late. XXXX XXXX XXXX, corrected the problem and deliver the funds to Ocwen, but they were posted as late payments, even thought it was not my fault at all. They can check my record and I have a perfect record payment thru today. I am applying for a Mortgage and this issue is affecting my credit. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX we purchased a XXXX XXXX. On XX/XX/XXXX the XXXX was totaled in a car accident. Our insurance, XXXX XXXX, paid XXXX XXXX XXXX via check. We were under the impression that the GAP insurance we received from XXXX would cover the additional amount - because that is what GAP does. XX/XX/XXXX, we were notified that we were given inadequate GAP insurance and still owed to XXXX. This means that it had been over 60 days since our last payment which was made in XX/XX/XXXX - I must also add that we paid in XXXX because we were told it would count against us but that we would not have to pay after while GAP was being sorted. We begin our payments - always over the phone via debit - because they shut our online account down. We had paid on time leading up to the accident, always online. We never received communication from XXXX XXXX XXXX in regards to what was owed until the payment was late by months - we were always unaware of what was left owed and would make payments when we were called. If I must add we were also in poverty at this time. 

From XX/XX/XXXX-XX/XX/XXXX we were consistently listed as current and on time with XXXX XXXX XXXX. In XX/XX/XXXX I realized that they were still on our credit although we had fully paid them off. I disputed this. Unbeknownst to me, XXXX then maliciously put us in " Charge Off '' status from XX/XX/XXXX-XX/XX/XXXX. This obliterated my credit score and ruined my chance of getting a mortgage. A company that has always put us as " on-time '' has ruined our credit after being paid. 

To top it off, in XX/XX/XXXX XXXX also approved us for a car loan at {$32000.00} price. We ended up going with another car, but for someone in " charge off '' status - a {$32000.00} loan seems odd.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So, if thats the case ; how did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 

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

According to : 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 According to : 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

I made a payment in full on XX/XX/22 to Credit Collection Services reference # XXXX XXXX XXXX in the amount of {$1100.00}. The rep took my payment and stated they will remove collection from my credit report once paid. My conversation was recorded on XX/XX/22 with the rep when I asked once paid will it be removed & she said yes. I requested a letter via mail requesting proof of payment and of XX/XX/22 no document sent to my home. I made the payment based on the verbal agreement of the collection being removed from all three credit bureau 's. I called recently to ask them why it still reported as a collection on my report when they agreed to delete it upon receiving payment in full and they said by law they have to report it Ive asked which law states they have to report it and they couldnt tell me. 15 usc 1681b ( 2 ) statesany consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave credit collection services any written instructions to furnish anything on my report and demand the delete it immediately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply error resolution requirements under the Electronic Transfer Funds Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.